The aim of this paper is to give an overview of assets growth of Croatian Banks in period from year 2006 to 2016, as well as to explore influence of capital ratio and other determinants on assets growth. Analysis covered all Croatian banks that were active in 2016 excluding housing savings banks. Overview of assets growth trend show that there is continues decrease of assets of Croatian banks in the past five years, whereas capital ratio continues to grow throughout these years, so the author wanted to explore influence of capital ratio on assets growth analysing the sample of all Croatian banks. In order to explore determinants of assets growth, beside capital ratio, we tested several other independent variables including tier 1 capital ratio, size of the bank measured on the basis of total assets, ownership and leverage. Statistical analysis (regression) reveal that ownership of the bank has positive and the most significant influence on assets growth, while capital ratio has negative and statistically significant influence on assets growth. It is also revealed that size of the bank measured on the basis of total assets does not have statistically significant influence on assets growth in Croatian banks.
Key words: assets growth, capital ratio, Croatian banks, size, ownership
Music is described as one of the wonderful tools that touch the souls of human beings. It is capable of changing the mind-set and thus impacts the customers purchasing decision. The present research is aimed to study the influence of apparel retail store music on purchase intention. It is purely based on the primary data which were collected through a structured questionnaire/interview schedule. Convenience sampling technique is used to collect the required data from 168 customers in Coimbatore city. ANOVA and Pearson co-efficient of correlation have been used apart from descriptive statistics. The result of the study indicates that statistically, the different demographic characters do not influence the level of perception of apparel retail store music in the study area. Further, the study shows that there is a relationship between the levels of perception of retail apparel store music on purchase intention among the sample customers.
Keywords: Store Atmospherics, Music, Purchase intention, consumer behavior, Apparel Store.