Usporedba utjecaja globalne financijske krize iz 2008. godine i COVID-19 krize na uspješnost i sigurnost poslovanja odabranih malih banaka u Hrvatskoj

master's thesis

• Title (english): Comparsion of the impact of the global crisis from 2008 and the COVID-19 crisis on the success and safety of selected small banks in Croatia
• Author: Dora Rukavina
• Mentor: Mateja Brozović (mentor)
• Committee member: Martina Solenički (predsjednik povjerenstva)
• Committee member: August Cesarec (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2024-06-24, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Banke se svakako mogu izdvojiti kao subjekti od javnog interesa, čija je sigurnost i uspješnost poslovanja jedan od preduvjeta stabilnosti financijskog sustava. U ovom radu naglasak je stavljan na male banke u Hrvatskoj. Unatoč činjenici da su posljednjih godina smanjuje njihov broj, zbog prednosti koje nude svojim klijentima, male banke i dalje su značajni sudionici financijskog sustava. Posljednjih petnaest godina, Hrvatska se suočila s dvije velike krize, a to su globalna financijska kriza 2008. godine i COVID-19 kriza. Pomoću horizontalne i vertikalne analize financijskih izvještaja odabranih malih banaka, utvrđeno je kako je utjecaj financijske krize 2008. godine negativno pogodio male banke. S druge strane, COVID-19 za većinu odabranih malih banaka nije bio razoran, već su upravo ovu krizu prepoznali kao priliku. Naime, nakon COVID-19 krize, većina stavki u bilancama i računima dobiti i gubitaka se povećavala ili pak nije bila pod utjecajem COVID-19 krize. Svemu navedenom potvrđuju i izračuni financijskih pokazatelja, osim pokazatelja profitabilnosti koji ukazuje da ni u jednom razdoblju odabrane male banke nisu zadovoljile minimalne standarde. Potencijalno se nameće tema za buduće istraživanje, a to je usporedba utjecaja navedenih kriza na poslovanje odabranih velikih banaka.

Abstract (english)

Banks can certainly be singled out as entities of public interest, whose safety and performance in business is one of the prerequisites for the stability of the financial system. In this thesis, the emphasis is placed on small banks in Croatia. Despite the fact that their number has decreased in recent years, due to the advantages they offer to their clients, small banks are still significant participants in the financial system. In the last fifteen years, Croatia has faced two major crises, namely the global financial crisis of 2008 and the COVID-19 crisis. Using a horizontal and vertical analysis of the financial statements of selected small banks, it was determined that the impact of the financial crisis in 2008 negatively affected small banks. On the other hand, the impact of COVID-19 crisis was not destructive for the selected small banks, but they recognized this crisis as an opportunity. Namely, after the COVID-19 crisis, most of the items in the balance sheets and RDGs increased or were not affected by the COVID-19 crisis. All of the above is confirmed by the calculations of the financial indicators, except profitability indicators, which indicate that the selected small banks did not meet the minimum standards. A potential topic for future research is a comparison of the impact of the aforementioned crises of large banks.

• Keywords: male banke; financijska kriza 2008. godine; COVID-19 kriza
• Keywords (english): small banks; global financial crisis of 2008; COVID-19 crisis
• Language: croatian
• URN:NBN: urn:nbn:hr:148:787559
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2024-06-25 09:58:25