ANALIZA UČINAKA PREUZIMANJA IZABRANE BANKE U REPUBLICI HRVATSKOJ

master's thesis

• Title (english): ANALYSIS OF THE ACQUISITION EFFECTS OF THE SELECTED BANK IN THE REPUBLIC OF CROATIA
• Author: Svea Gradinšćak
• Mentor: Martina Solenički (mentor)
• Committee member: Ana Ivanišević Hernaus (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2022-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Integracijski procesi predstavljaju srž strategije eksternog rasta poduzeća. Glavni oblici integracija su transakcije spajanja i preuzimanja, dok su strateški savezi i zajednička ulaganja alternativne metode povezivanja poduzeća. Za hrvatski bankovni sektor, ali i gospodarstvo u cjelini, preuzimanje Splitske banke od strane OTP banke jedan je od najznačajnijih događaja u novijoj povijesti.
Svrha diplomskog rada je istražiti kako su učinci integracije Splitske i OTP banke utjecali na poslovanje OTP banke, njihove klijente i djelatnike, kao i na klijente i djelatnike nekadašnje Splitske banke. Kroz financijske pokazatelje analizirano je poslovanje OTP banke prije i nakon transakcije preuzimanja te poslovanje Splitske banke prije preuzimanja. Iz analize proizlazi da su profitabilnost i ekonomičnost poslovanja OTP banke veće u razdoblju nakon integracije u odnosu na razdoblje prije integracije. Pokazatelji likvidnosti i zaduženosti u oba se promatrana razdoblja kreću na istim razinama. Relevantni zaključci o zadovoljstvu klijenata te stavovima djelatnika OTP banke doneseni su temeljem provedenog empirijskog istraživanja. Većina ispitanika koji su višegodišnji klijenti OTP banke navode kako nisu osjetili posljedice preuzimanja Splitske banke te su generalno jednako zadovoljni poslovanjem OTP banke. S druge strane, za većinu nekadašnjih klijenata Splitske banke posljedice preuzimanja su bile jače izražene – i pozitivne i negativne. Gotovo svi djelatnici OTP banke i nekadašnje Splitske banke slažu se da je razdoblje integracije Splitske i OTP banke bilo izazovnije u odnosu na druga razdoblja te da su nakon integracije uslijedile promjene koje su se odrazile na njih kao djelatnike.

Abstract (english)

Integration processes represent the core of the company's external growth strategy. Merger and acquisition transactions stand out as the main integration techniques, while strategic alliances and joint ventures are alternative methods of connecting companies. For the Croatian banking sector, as well as for the economy as a whole, the acquisition of Splitska banka by OTP banka is one of the most significant events in recent history.
The purpose of the thesis is to investigate how the integration of Splitska and OTP banka affected the operations of OTP banka, their clients and employees, as well as the clients and employees of the former Splitska banka. The operations of OTP banka before and after the acquisition transaction and the operations of Splitska banka before the acquisition were analyzed through financial indicators. The analysis showed that the profitability and economic efficiency of OTP banka's operations were higher in the period after integration compared to the period before integration. Liquidity and indebtedness indicators in both observed periods remained at the same levels. The relevant conclusions about OTP banka's client satisfaction and employee opinions were made on the basis of empirical research. The majority of respondents who are OTP banka's long-term clients state that they did not feel the consequences of the acquisition of Splitska banka and have been equally satisfied with the work of OTP banka in general. On the other hand, for most of Splitska banka's former clients, the consequences of acquisition were more pronounced - both positive and negative. The majority of employees of OTP banka and former Splitska banka agree that the integration period was more challenging compared to other periods of working in the bank. Also, employees state that there were changes that affected them directly after the integration.

• Keywords: Spajanja i preuzimanja; bankovni sektor; OTP banka; Splitska banka
• Keywords (english): Mergers and acquisitions; banking sector; OTP banka; Splitska banka
• Language: croatian
• URN:NBN: urn:nbn:hr:148:992363
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2022-09-29 17:02:30