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master's thesis
USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI
Diplomski rad
2023. urn:nbn:hr:145:507879
Stanković, Ana
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Finance and Accounting

Cite this document

Stanković, A. (2023). USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad (Master's thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:507879

Stanković, Ana. "USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2023. https://urn.nsk.hr/urn:nbn:hr:145:507879

Stanković, Ana. "USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2023. https://urn.nsk.hr/urn:nbn:hr:145:507879

Stanković, A. (2023). 'USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 17 March 2025, https://urn.nsk.hr/urn:nbn:hr:145:507879

Stanković A. USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2023 [cited 2025 March 17] Available at: https://urn.nsk.hr/urn:nbn:hr:145:507879

A. Stanković, "USPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2023. Available at: https://urn.nsk.hr/urn:nbn:hr:145:507879

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Metadata
TitleUSPOREDNA ANALIZA KREDITIRANJA U REPUBLICI HRVATSKOJ I EUROPSKOJ UNIJI : Diplomski rad
Title (english)COMPARATIVE ANALYSIS OF LENDING IN THE REPUBLIC OF CROATIA AND THE EUROPEAN UNION : Graduate paper
AuthorAna Stanković
MentorDubravka Pekanov (mentor)
MentorAna Zrnić (komentor)
Committee memberIvo Mijoč (predsjednik povjerenstva)
Committee memberDubravka Pekanov (član povjerenstva)
Committee memberIvana Fosić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2023, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U radu su prikazane banke kao najznačajnije financijske institucije u financijskim sustavima većine zemalja. Središnja banka svake zemlje Europske unije ima nadzor nad poslovnim bankama u zemlji u kojoj djeluje, dok nad samom središnjom bankom nadzor ima krovna banka Europske unije. Kada se govori o poslovnim bankama, dio su svakodnevnog poslovanja gospodarskih subjekata u zemlji u kojoj posluju. Sukladno tome, svrha rada je prikazati teorijska i praktična znanja iz područja bankarskog... More sustava te kreditnih poslova na temelju stručne literature i analize sekundarnih podataka. U radu je u teorijskom dijelu opisan bankarski sustav te ključni pojmovi za razumijevanje istoga uz glavne značajke kredita i kreditiranja u Republici Hrvatskoj. Predstavljene su funkcije i vrste banaka te su definirani pojmovi kredita, vrsta kredita i uvjeta kreditiranja, kamatnih stopa te valutnih klauzula. U praktičnom dijelu rada usporedno su analizirani uvjeti stambenog i gotovinskog kreditiranja u odabranim grupacijama banaka u Republici Hrvatskoj i Republici Sloveniji, Intesa Sanpaolo i Addiko Grupa u obliku informativnih izračuna za određeni iznos kredita. Informativni izračuni su temeljeni na podacima preuzetima sa službenih mrežnih stranica promatranih banaka za svibanj 2023. godine. Provedena je i analiza kretanja kamatnih stopa na odabrane kredite za razdoblje od 2018. do 2022. godine te je dana projekcija kretanja kamata za razdoblje od 2023. do 2027. godine. Na temelju provedenih analiza donesen je zaključak kako je Republika Hrvatska u odnosu na Republiku Sloveniju i cijelokupno Euro područje povoljnija opcija za ugovaranje kredita u odabranim bankama. Less
Abstract (english)
The paper presents banks as the most important institutions in the financial systems of most countries. The central bank of each European Union country supervises commercial banks in the country in which it operates, while the central bank itself is supervised by the umbrella bank of the European Union. When talking about commercial banks, they are part of the daily operations of economic entities in the country where they operate. Accordingly, the purpose of the paper is to present... More theoretical and practical knowledge in the field of the banking system and credit operations based on professional literature and analysis of secondary data. In the paper, the theoretical part describes the banking system and the key terms for understanding it, along with the main features of credit and lending in the Republic of Croatia. The functions and types of banks are presented and the concepts of loans, types of loans and lending conditions, interest rates and currency clauses are defined. In the practical part of the work, the conditions of housing and cash lending in selected groups of banks in the Republic of Croatia and the Republic of Slovenia, Intesa Sanpaolo and Addiko Group were analyzed in the form of informative calculations for a certain amount of credit. Informative calculations are based on data taken from the official websites of the observed banks for May 2023. An analysis of the trend of interest rates on selected loans for the period from 2018 to 2022 was also carried out, and a projection of the trend of interest rates for the period from 2023 to 2027 was given. On the basis of the conducted analyses, it was concluded that the Republic of Croatia is a more favorable option for contracting loans in selected banks compared to the Republic of Slovenia and the entire Euro area. Less
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:507879
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 on2023-12-12 10:01:24
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