ANALIZA USPJEŠNOSTI POSLOVANJA BANAKA

master's thesis

• Title (english): BANK PERFORMACE ANALYSIS
• Author: Mirela Babaić
• Mentor: Anita Pavković (mentor); MBZ: 227513
• Committee member: Ena Pecina (predsjednik povjerenstva)
• Committee member: Andrija Sabol (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Managerial Economics); Zagreb
• Defense date and country: 2021-09-09, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Economics of Entrepreneurship

Abstract

Banka je kreditna institucija koja ima ulogu financijskog posredovanja. Glavni cilj banke jest prikupljanje depozita od onih s viškom sredstava te plasman, odnosno alokacija istih na subjekte s nedostatkom novčanih sredstava. Prilikom obavljanja spomenutih poslova banka zarađuje na razlici između aktivne i pasivne kamatne stope. Gledano iz ekonomske perspektive, uloga bankarstva je jako bitna, a stanje gospodarstva se jasno odražava u poslovanju banaka. Banke nikada nisu bile brže, dinamičnije i podložnije promjenama nego danas, a glavni uzrok leži u modernizaciji, informatizaciji i globalizaciji suvremenog društva. Osnovni cilj svake poslovne banke je maksimizacija dioničarskog bogatstva i ostvarivanje zadovoljavajuće razine profitabilnosti za sve interesne skupine. U ovom radu će biti prikazana sveobuhvatna analiza banke i bankarskog sustava pomoću internih i eksternih pokazatelja uspješnosti poslovanja banke. Pomoću različitih metodologija financijskih pokazatelja bit će prikazana analizu uspješnosti poslovanja poslovne banke. Rad će nastojati olakšati uočavanje čimbenika koji dovode do povećanja vrijednosti banke kao i bankarskog sustava u cijelosti. Da bi banka poslovala uspješno, potrebno je uspješno upravljati svim bankovnim kategorijama, kako inputima tako i outputima. Korisnicima banke je omogućeno jednostavnije poslovno odlučivanje i upravljanje vrijednošću na temelju informacija o tržišnim vrijednostima i pozicioniranju banke. Analitički dio ovog rada odnosi se na primjenu spomenutih eksternih teorija i internih pokazatelja na Zagrebačku banku. Internom i eksternom analizom je detaljno prikazana uspješnost poslovanja Zagrebačke banke u određenom vremenskom razdoblju.

Abstract (english)

Bank is a credit institution that has the role of financial intermediation. The main goal of the bank is to collect deposits from those with surplus funds and place or allocate them to entities with a lack of funds. When performing the mentioned operations, the bank profits from the difference between the active and passive interest rate. Seen from an economic perspective, the role of banking is inevitable, and the state of the economy is clearly reflected in the operations of banks. Banks have never been faster, more dynamic and more susceptible to change than they are today, and the main cause lies in the modernization, informatization and globalization of modern society. The main goal of every commercial bank is to maximize shareholder wealth and achieve a satisfactory level of profitability for all stakeholders. This paper will present a comprehensive analysis of the bank and the banking system using internal and external business performance indicators. An analysis of the commercial bank's business performance will be presented using various methodologies of financial indicators. The paper will seek to facilitate the identification of factors that should lead to an increase in value of the specific bank as well as the banking system. In order for a bank to operate successfully, it is necessary to successfully manage all banking categories, both inputs and outputs. The bank's users are enabled to make simpler business decisions and value management based on information on market values and the bank's positioning. The analytical part of this paper refers to the application of the mentioned external theories and internal indicators to Zagrebačka banka. Internal and external analysis shows in detail the success of Zagrebačka banka's operations in a certain period of time.

• Keywords: analiza; banka; pokazatelji; uspješnost
• Keywords (english): analysis; bank indicators; business performance
• Language: croatian
• URN:NBN: urn:nbn:hr:148:692463
• Study programme: Title: 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: Open access
• Created on: 2021-10-07 13:09:59