Analiza sigurnosti i uspješnosti poslovanja stambene štedionice u uvjetima rasta potražnje na tržištu nekretnina

undergraduate thesis

• Title (english): Analysis of financial position and performance of housing savings banks in conditions of demand growth in the real estate market
• Author: Pavla Turudić
• Mentor: Mateja Brozović (mentor); MBZ: 349195
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Accounting); Zagreb
• Defense date and country: 2021-08-31, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Accounting

Abstract

U posljednjih nekoliko godina zabilježen je veliki rast tržišta nekretnina u tranzicijskim zemljama. Rast tržišta nekretnina, uz prethodne promjene zakonodavne regulative, stvorio je snažan pritisak sustavu registracije nekretnina u Republici Hrvatskoj. Kreditne institucije u Republici Hrvatskoj čine banke, štedne banke i stambene štedionice. Stambene štedionice kao financijske institucije imaju za cilj rješavanje stambene potrebe štediša odobravanjem kredita uz financijsku potporu države putem državnih poticajnih sredstava (DPS). Uspješnost poslovanja stambenih štedionica velikog interesa svih zainteresiranih klijenata, ali i države. Financijski sustav Republike Hrvatske ima obilježja bankocentričnog sustava zbog velikog udjela banaka u broju kreditnih institucija, dok u Republici Hrvatskoj posluju samo tri stambene štedionice: PBZ stambena štedionica d.d., Raiffeisen stambena štedionica d.d. i Wüstenrot stambena štedionica d.d.. U radu je prikazano kako se analizom financijskog rezultata poslovanja odabrane stambene štedionice može doći do konkretnih zaključaka o uspješnosti njezinog poslovanja. Analiza je provedena pomoću horizontalne i vertikalne analize te pomoću financijskih pokazatelja. Temelj za provođenje takve analize bili su računovodstveni podaci i informacije o ostvarenim prihodima i rashodima te aktivi i pasivi u razdoblju od tri godine.

Abstract (english)

The real estate market has been thriving in transition countries for the last several years. The expansion of the real estate market and previous legislative changes have created intense pressure on the real estate registration system in the Republic of Croatia. Credit institutions in the Republic of Croatia consist of banks, savings banks, and building societies. A building society aims to resolve housing issues by granting loans with government financial incentives (DPS). Therefore, the successful business performance of building societies is of great interest to the clients and the state. Croatian financial system has the characteristics of a bank-centric system due to the large share of banks in credit institutions, and there are just three building societies in Croatia: PBZ, Raiffeisen, and Wüstenrot. The paper illustrates how the analysis of the financial results of the selected building society can lead to valid conclusions about the success of its business operation. The analysis has been carried out using financial indicators and horizontal and vertical analysis. The basis for the research was made with accounting data and the ratio of income and expenses and assets and liabilities over a period of three years.

• Keywords: tržište nekretnina; stambene štedionice; bankocentrični sustav; analiza; pokazatelji
• Keywords (english): real estate market; building societies; bank-centric system; analysis; indicators
• Language: croatian
• URN:NBN: urn:nbn:hr:148:537428
• Study programme: Title: Business Economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a prvostupnik/ prvostupnica ekonomije (stručni/a prvostupnik/ prvostupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2021-09-01 17:25:37