Utjecaj krize na poslovanje banaka u Hrvatskoj

master's thesis

• Title (english): Influence of financial crisis on banks in Croatia
• Author: Monika Marić
• Mentor: Vlado Leko (mentor)
• Committee member: Alen Stojanović (predsjednik povjerenstva)
• Committee member: Anita Pavković (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-09-28, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Globalna financijska kriza započela je 2008. u SAD-u, a zbog povezanosti financijskih sustava proširila se i na ostatak svijeta. Budući da se najveći dio uzroka krize javio u bankovnom poslovanju, kriza je negativno utjecala na kreditnu aktivnost banaka. Cilj rada je dati uvid u utjecaj krize na sve aspekte poslovanja banaka u Hrvatskoj. Zaključci rada koji su dobiveni komparacijom povijesnih podataka o poslovanju banaka prije krize pa sve do kraja 2014. godine ukazuju na to da hrvatske banke još uvijek osjećaju posljedice krize. Kriza je usporila brzi rast imovine banaka koji je postojao do 2008., utjecala je na promjene u strukturi bilance banaka, umanjila je dobit banaka i pokazatelje profitabilnosti te je povećala rizike kojima su banke izložene. Banke su na povećane rizike odgovorile povećanjem stope adekvatnosti kapitala, a na volatilnost kamatnjaka na međubankovnom tržištu koja se javila zbog mjera za održavanje stabilnosti cijena odgovorile su gomilanjem zaliha likvidnosti. Zato su hrvatske banke danas sigurne i imaju kapacitete za rast kreditne aktivnosti, ali značajnijeg oporavka kreditne aktivnosti još uvijek nema.
Kriza na poslovanje banaka u Hrvatskoj nije utjecala direktno, nego preko pogoršanja makroekonomskih uvjeta, kao što su snažan rast i zadržavanje nezaposlenosti na visokim razinama, nemogućnost vraćanja kredita poduzeća, veliki pad cijena nekretnina te pad realnog BDP-a i rast duga države. Zato se oporavak poslovanja banaka neće dogoditi dok makroekonomsko okruženje u kojemu posluju hrvatske banke ne postane povoljno. Kriza nije značajnije utjecala na broj banaka, njihovu koncentraciju niti na strukturu vlasništva.

Abstract (english)

Global financial crisis started in 2008. in USA and because of the connection of financial systems it has spread across the world. Since most of the causes of the crisis occurred in the banking business, the crisis had a negative impact on credit activities of banks. The aim of this paper is to provide insight into the impact of the crisis on all aspects of the business banks in Croatia. Conclusions of the paper which were obtained by comparing historical data on bank operations before the crisis until the end of 2014 suggest that Croatian banks are still feeling the effects of the crisis. The crisis has slowed down the rapid growth of bank assets that existed until 2008, influenced the changes in the structure of balance sheets, reduced the profit of banks and profitability indicators and has increased risks to which banks are exposed. Banks have responded to the increased risks by increasing the capital adequacy ratio, and to the volatility of interest rates in the interbank market, which occurred because of measures to maintain price stability responded by stockpiling liquidity. That is why Croatian banks are now safe and have the capacity to increase credit activity, but significant recovery of credit activity is still missing.
Croatian banks were not affected by crisis directly, but through worsening macroeconomic conditions, such as strong growth and keeping unemployment at high levels, inability of companies to repay loans, a large drop in real estate prices, a fall in real GDP and the growth of the state debt. Therefore, the recovery of bank operations will not happen until the macroeconomic environment in which Croatian banks operate becomes convenient. The crisis has not significantly affected the number of banks, their concentration or the structure of ownership.

• Keywords: globalna financijska kriza; banke; profitabilnost; rizici; makroekonomski uvjeti
• Keywords (english): global financial crisis; banks; profitability; risks; macroeconomic conditions
• Language: croatian
• URN:NBN: urn:nbn:hr:148:258054
• 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: 2016-09-30 15:31:12