Izloženost prema sektoru poduzeća i upravljanje rizicima banke u Republici Hrvatskoj

master's thesis

• Title (english): Exposure to the corporate sector and bank risk management in the Republic of Croatia
• Author: Bruno Pejić
• Mentor: Branka Tuškan Sjauš (mentor)
• Committee member: Jakša Krišto (član povjerenstva)
• Committee member: Mladen Turuk (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2023-06-27, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Economics of Entrepreneurship

Abstract

U radu se prikazuje upravljanje rizicima banaka u RH s obzirom na izloženost rizicima prema sektoru poduzeća. Prikazani predmet istraživanja je odabran zbog važnosti ukazivanja na posljedice nesustavnog pristupa ocjeni kreditne sposobnosti potencijalnih zajmoprimaca u pogledu izloženosti banaka kreditnom riziku i riziku likvidnosti. Cilj rada je ukazati na kvalitetu kredita hrvatskih banaka te na udio rizičnih kredita prema ključnim sektorima poduzeća jer ti kvantitativni pokazatelji ukazuju na izloženost banaka rizicima. Rezultati istraživanja ukazuju na trend smanjivanja udjela rizičnih kredita u hrvatskom gospodarstvu nakon izlaska hrvatskog gospodarstva iz recesije, ali je nizak udio rizičnih kredita zabilježen i tijekom pandemijskih godina. Stroža regulativa i nadzor nad poslovanjem bankarskog poslovanja, ali i mogućnost prodaje nenaplativih kredita agencijama za naplatu potraživanja, smatraju se ključnim čimbenicima smanjenja udjela rizičnih kredita u hrvatskom bankarskom sektoru.

Abstract (english)

The paper presents the risk management of banks in the Republic of Croatia with regard to risk exposure to the corporate sector. The presented research subject was chosen due to the importance of pointing out the consequences of an unsystematic approach to assessing the creditworthiness of potential borrowers in terms of banks' exposure to credit risk and liquidity risk. The aim of the paper is to point out the quality of Croatian banks' loans and the share of risky loans according to the key sectors of the company, because these quantitative indicators indicate banks' exposure to risks. The results of the research indicate a decreasing trend in the share of risky loans in the Croatian economy after the Croatian economy emerged from recession, but a low share of risky loans was also recorded during the pandemic years. Stricter regulation and supervision of banking operations, as well as the possibility of selling bad loans to debt collection agencies, are considered key factors in reducing the share of risky loans in the Croatian banking sector.

• Keywords: banka; poslovanje; krediti; upravljanje rizicima; izloženost rizicima
• Keywords (english): bank; business; loans; risk management; exposure to risks
• Language: croatian
• URN:NBN: urn:nbn:hr:148:317781
• Study programme: Title: Economics of Entrepreneurship; Study programme type: professional; Study level: specialist graduate; Academic / professional title: stručni specijalist/specijalistica poduzetništva (stručni specijalist/specijalistica poduzetništva)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2023-06-28 23:19:05