Promjene u bankovnom poslovanju i profitabilnost banaka

master's thesis

• Title (english): Changes in the banking sector and bank profitability
• Author: Samantha Radnić
• Mentor: Jakša Krišto (mentor)
• Committee member: Anita Pavković (predsjednik povjerenstva)
• Committee member: Branka Tuškan (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-09-21, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

U radu se analizira profitabilnost europskih i hrvatskih banaka u razdoblju nakon financijske krize s početkom 2007. godine, te utjecaj promjena na bankovno poslovanje. Prikazana je važnost i uloga banaka koja je kroz povijest evoluirala. Glavne promjene u bankovnom poslovanju odnose se na okrupnjavanje banaka i intenzivnije korištenje informacijske tehnologije kako bi se postigla veća profitabilnost i niži troškovi. Banke u Europskoj uniji teže su pogođene krizom nego hrvatske banke. Hrvatske banke su ostvarile značajno nižu profitabilnost nego u pred kriznim godinama, no ostale su relativno stabilne. Promjene u ponašanju potrošača i utjecaj globalizacije također utječu na poslovanje banaka od kojih se zahtjeva razvoj inovacija i superiornije zadovoljavanje potreba klijenata. Male banke ostvaruju nižu profitabilnost, te su suočene s većim izazovima kako bi opstale. Najizglednija opcija za male banke je okrupnjavanje.

Abstract (english)

The object of this paper is analyzing the profitability of European and Croatian banks after the 2007 financial crisis and theinfluence of changes in bankingsector. In this paper importance and role of banks that evolved through time is shown. Main changes in banking refer to consolidation anduse of information technology in order to achieve higher profit and lower cost. EU banks were more affected by crisis than Croatian banks. Croatian banks remained stabile despite achieving substantially lower profitability.Behavioural changes and globalizationaffect banking in many ways, especially by encouraging development of financialinnovation.Small banks performedworse than largerbanksand are faced with greater challenges to survive.Consolidation is most probable option for surviving.

• Keywords: profitabilnost; banke; promjene u bankarstvu; globalizacija; Hrvatska
• Keywords (english): profitability; banks; changes in banking; globalization; Croatia
• Language: croatian
• URN:NBN: urn:nbn:hr:148:416396
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2016-09-28 17:04:48