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master's thesis
USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI
Diplomski rad
2022. urn:nbn:hr:145:673426
Birovljević, Matea
Josip Juraj Strossmayer University of Osijek
Faculty of Economics in Osijek
Chair of Finance and Accounting

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Birovljević, M. (2022). USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad (Master's thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:673426

Birovljević, Matea. "USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2022. https://urn.nsk.hr/urn:nbn:hr:145:673426

Birovljević, Matea. "USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2022. https://urn.nsk.hr/urn:nbn:hr:145:673426

Birovljević, M. (2022). 'USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, accessed 01 June 2023, https://urn.nsk.hr/urn:nbn:hr:145:673426

Birovljević M. USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek; 2022 [cited 2023 June 01] Available at: https://urn.nsk.hr/urn:nbn:hr:145:673426

M. Birovljević, "USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, Osijek, 2022. Available at: https://urn.nsk.hr/urn:nbn:hr:145:673426

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TitleUSPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad
Title (english)COMPARATIVE ANALYSIS OF CREDIT LOANS IN REPUBLIC OF CROATIA AND EUROPEAN UNION : Graduate paper
AuthorMatea Birovljević
MentorDubravka Pekanov (mentor)
MentorAna Zrnić (komentor)
Committee memberIvana Bestvina Bukvić (predsjednik povjerenstva)
Committee memberIvana Fosić (član povjerenstva)
Committee memberDubravka Pekanov (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2022-09-08, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U ovome diplomskom radu u teorijskom dijelu objasnila se važnost koju banke imaju kao financijske institucije na tržištu, njihovu djelatnost i poslove koje obavljaju. U ovome radu detaljno su se objasnili pojmovi koji su vezani za kredite poput kreditnog rizika, valutne klauzule, vrste kamatnih stopa na kredite, analize kreditiranja, uvjeti kreditiranja itd.. U radu se u sklopu teorijskoga dijela govorilo i o bankarskom sustavu u Republici Hrvatskoj odnosno koje su značajke bankarskog sustava te koju ulogu Hrvatska narodna banka ima. U istraživačkom dijelu rada grafički je prikazano kretanje kamatnih stopa u razdoblje od 2012. do 2022. godine u RH i Eurozoni na primjeru tri vrste kredita. Glavni dio rada obuhvaća analizu ponude i uvjeta kreditiranja u bankama koje posluju u RH, a to su Privredna banka Zagreb, Zagrebačka banka te usporedbom iste ponude kredita u OTP banci Mađarska i Erste banka Austrija. Kada je riječ o analizi kredita u odabranim bankama zaključeno je kako banke u RH nude gotovo jednaku ponudu kredita te imaju gotovo iste uvjete kreditiranja, dok je ponuda kredita u Erste banci Austrija i OTP banci Mađarska veća u odnosu na banke u RH. Provedenom analizom utvrđeno je kako Privredna banka Zagreb, Zagrebačka banka i Erste banka nude povoljnije uvjete kreditiranja u odnosu na OTP banku Mađarska koja se pokazala kao banka koja ima nepovoljnije uvjete kreditiranja.
Abstract (english)
In this thesis in the theoretical part was explained the importance of banks as financial institutions in the market, their activities and the tasks they perform. This work explained in detail the terms related to loans such as credit risk, currency clause, types of interest rates on loans, lending analysis, lending conditions, etc. As part of the theoretical part, the banking system in the Republic of Croatia was discussed, what are the features of the banking system and what role the Croatian National Bank has. The research part of the paper graphically shows the movement of interest rates in the period 2012 to 2022 in the Republic of Croatia and the Eurozone on the example of three types of loans. The main part of the paper includes an analysis of the offer and conditions of lending in banks operating in the Republic of Croatia, namely Privredna banka Zagreb, Zagreb bank and a comparison of the same offer of loans in OTP bank Hungary and Erste bank Austria. When it comes to the analysis of loans in selected banks, it was concluded that banks in the Republic of Croatia offer almost the same loan offer and have almost the same lending conditions, while the loan offer in Erste Bank Austria and OTP Bank Hungary is bigger than in Croatian banks. The analysis showed that Privredna banka Zagreb, Zagrebačka banka and Erste bank offer more favorable lending conditions compared to OTP bank Hungary, which proved to be a bank with more unfavorable lending conditions.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:673426
Study programmeTitle: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: sveučilišni magistar/magistra ekonomije (sveučilišni magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2023-04-12 13:40:14