Upravljanje imovinom kao izvor konkurentske prednosti velikih hrvatskih banaka

master's thesis

• Title (english): Asset management as a source of competitive advantage of big banks in Croatia
• Author: Alen Bajrić
• Mentor: Domagoj Hruška (mentor)
• Committee member: Alen Stojanović (predsjednik povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2019-09-26, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

U modernim gospodarstvima financijske institucije imaju jednu od najznačajnijih uloga. Razvojem modernih financijskih tržišta banke sve veću pozornost pridaju kontroli rizičnosti njihova poslovanja te zbog toga sve više u obzir uzimaju različite rizike. Upravljanje imovinom predstavlja najveći izazov za današnje banke, stoga kreditni rizik predstavlja jedno od glavnih mjesto u poslovnoj strategiji banaka. Banka koristi alate i znanje kako bi pravilno procjenila i kontrolirala rizik koji proizlazi iz odobravanja plasmana. Ukoliko banka nema kvalitetno upravljanje imovinom tada dolazi do velikih problema koji mogu dovesti i do propasti banke. S druge strane, kvalitetno upravljanje imovinom može poboljšati poziciju banke na tržištu, omogućiti joj da se pozicionira kao sigurna i kvalitetna banka što definitivno pridonosi boljem imidžu kod stanovništva i poduzeća. Hrvatske banke imaju posebne odbore i sektore za upravljanje imovinom i rizicima što znači da im daju velikih značaj u poslovnoj strategiji. Ključni alati upravljanja imovinom ogledaju se kroz kontrolu rizika poput kreditnog i likvidnosnog rizika, a to su rizici kojima je imovina najviše izložena. U radu će biti riječi o imovini hrvatskih banaka, koje alate banke koriste kako bi kontrolirale kvalitetu svoje imovine. Upravljanje imovinom prestavlja jednu bitnu ulogu sa kojom se menadžment banaka mora nositi. Izvor konkurentske prednosti banke u upravljanju imovinom ogleda se u sposobnosti na koji način može kontrolirati rizike sa kojima se susreće,te kako može poboljšati postojeće metode internih kontrola.

Abstract (english)

In modern economies, financial institutions play one of the most important roles. With the development of modern financial markets, banks are increasingly paying attention to controlling the riskiness of their business and are therefore increasingly taking into account various risks. Asset management is the biggest challenge for today's banks, so credit risk is one of the main places in banks' business strategy. The Bank uses tools and knowledge to properly assess and control the risk arising from the approval of placements. If the bank does not have good asset management then there are big problems that can lead to bank failure. On the other hand, quality asset management can improve a bank's position in the market, enable it to position itself as a safe and quality bank, which definitely contributes to a better image for the population and businesses. Croatian banks have special boards and sectors for asset and risk management, which means that they are of great importance in the business strategy. Key asset management tools are reflected in risk controls such as credit and liquidity risk, which are the most exposed assets. This thesis will discuss the assets of Croatian banks, which are used by the bank's tools to control the quality of their assets. Asset management is an essential role that bank management has to deal with. The source of a bank's competitive advantage in asset management is reflected in its ability to control the risks it faces, and how it can improve existing internal control methods

• Keywords: upravljanje imovinom; kreditni rizik; upravljanje rizicima; konkurentska prednost
• Keywords (english): asset management; credit risk; risk management; competitive advantage
• Language: croatian
• URN:NBN: urn:nbn:hr:148:010674
• 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: 2019-09-26 09:06:56