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undergraduate thesis
ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA
Završni rad
2020. urn:nbn:hr:145:722859
Todorović, Vanesa
Josip Juraj Strossmayer University of Osijek
Faculty of Economics in Osijek
Chair of Finance and Accounting

Cite this document

Todorović, V. (2020). ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad (Undergraduate thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:722859

Todorović, Vanesa. "ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:145:722859

Todorović, Vanesa. "ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad." Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:145:722859

Todorović, V. (2020). 'ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad', Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, accessed 24 September 2023, https://urn.nsk.hr/urn:nbn:hr:145:722859

Todorović V. ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad [Undergraduate thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek; 2020 [cited 2023 September 24] Available at: https://urn.nsk.hr/urn:nbn:hr:145:722859

V. Todorović, "ANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad", Undergraduate thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, Osijek, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:145:722859

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Metadata
TitleANALIZA PONUDE GOTOVINSKIH KREDITA U HRVATSKIM BANKAMA : Završni rad
Title (english)ANALYSIS OF THE OFFER OF CASH LOANS IN CROATIAN BANKS : Final paper
AuthorVanesa Todorović
MentorBranko Matić (mentor)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2020-09-17, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U ovom završnom radu analizira se ponuda gotovinskih kredita u tri hrvatske banke: Erste & Steiermaerksiche bank d.d., Raiffeisen Austria d.d. i Addiko Bank d.d. Rad se sastoji od teorijskog i empirijskog dijela. Teorijski dio započinje općim informacijama o bankarstvu, a zatim slijedi podjela bankarskih poslova prema bilančno - analitičkom kriteriju kako bi se utvrdilo kojoj skupini bankarskih poslova pripada kreditiranje. Kako bi se došlo do empirijskog dijela u kojem se analizira ponuda gotovinskih kredita navedenih banaka, prvo je potrebno objasniti mnoge pojmove kako bi analiza bila jasna i razumljiva. Pod te pojmove podrazumijeva se pojam kredita, kamate, kreditne sposobnosti, aktivne i pasivne kamatne stope. U empirijskom dijelu, komparativnom analizom ponude gotovinskih kredita uspoređuje se visina kredita, naknada za obradu kredita, rok otplate kredita, visina nominalne i efektivne kamatne stope te elementi osiguranja. U radu se analiziraju i uspoređuju ponude gotovinskih kredita u navedenim bankama, a zatim se utvrđuju razlike u ponudi.
Abstract (english)
In this final paper you will find an analysis of cash loan offers in three selected Croatian banks: Erste & Steiermaerksiche bank d.d., Raiffeisen Austria d.d. i Addiko Bank d.d. The final work consist of a theoretical and an empirical part. The theoretical part begins with general information about banking and continues with the division of banking operations according to the balance-analytical criterium. That determines which group of banking operations the lending belongs to. This is followed by an empirical part in which comes the analysis of cash loan offers by the previous mentioned banks. Firstly, some terms need to be explained in order for the analysis to be clear and understandable. By some terms we mean the concept of loan, interest, creditworthiness and lending and deposit interest rates. A comparative analyses of cash loan offers will show loan amount, loan processing fees, loan repayment period, the amount of the normal and effective interest rate and insurance elements of each bank offer. Each offer is different, so when choosing one we should look at which bank offers the most favorable terms.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:722859
Study programmeTitle: Financial Management
Study programme type: university
Study level: undergraduate
Academic / professional title: sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
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Created on2020-12-08 10:29:20