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master's thesis
Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD
Diplomski rad
2024. urn:nbn:hr:145:341586
Brekalo, Lorena
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek

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Brekalo, L. (2024). Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : 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:145:341586

Brekalo, Lorena. "Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2024. https://urn.nsk.hr/urn:nbn:hr:145:341586

Brekalo, Lorena. "Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2024. https://urn.nsk.hr/urn:nbn:hr:145:341586

Brekalo, L. (2024). 'Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 22 January 2025, https://urn.nsk.hr/urn:nbn:hr:145:341586

Brekalo L. Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2024 [cited 2025 January 22] Available at: https://urn.nsk.hr/urn:nbn:hr:145:341586

L. Brekalo, "Makroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2024. Available at: https://urn.nsk.hr/urn:nbn:hr:145:341586

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Metadata
TitleMakroekonomske determinante profitabilnosti banaka - usporedba i pregled EU i SAD : Diplomski rad
Title (english)Macroeconomic determinants of bank profitability - a comparison and overview of the EU and the USA : Graduate paper
AuthorLorena Brekalo
MentorIvo Mijoč (mentor)
MentorAna Zrnić (komentor)
Committee memberDubravka Pekanov (predsjednik povjerenstva)
Committee memberIvo Mijoč (član povjerenstva)
Committee memberDražen Ćućić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Osijek
Defense date and country2024-09-26, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Makroekonomske determinante kao ključni faktori utječu na ukupno gospodarstvo neke zemlje i na široki spektar ekonomskih aktivnosti. Za razliku od unutarnjih čimbenika na koje banke mogu utjecati, makroekonomske determinante podrazumijevaju vanjske čimbenike koji često nisu pod kontrolom banaka uključujući inflaciju, promjene u BDP-u, fluktuacije kamatnih stopa, zaposlenost i druge varijable. Cilj ovoga rada je istražiti kako promjene u ovim determinantama mogu utjecati na opći razvoj gospodarstva s posebnim fokusom na implikacije na profitabilnost banaka. Uočavanje veza između makroekonomskih faktora i bankarskih performansi ključno je za bolje razumijevanje dinamike financijskog sektora u različitim ekonomskim kontekstima. Sukladno tome, radom se uspređuje Europska unija (EU) i Sjedinjene Američke Države (SAD) analizom financijskih izvještaja deset banaka iz svake regije uspoređivanjem njihove dinamike i osjetljivosti na promjene u gospodarskim uvjetima. Kroz promatrano razdoblje od 2018. do 2022. godine, prikazani su podaci o kretanju stope inflacije, odabranih kamatnih stopa te realnog BDPa. Osim navedenih makroekonomskih determinanti, radom je analizirano kako Europska centralna banka i Federalni sustav rezervi provedbom monetarne politike djeluju na uspješnost poslovanja banaka. Radom je utvrđeno kako negativne promjene inflacije, kamatnih stopa i realnog BDP-a, uz učinkovitu provedbu monetarne politike, ne utječu u velikoj mjeri na profitabilnost banaka kod većine promatranih banaka.
Abstract (english)
Macroeconomic factors are key factors affecting the overall economy of a country and a wide range of economic activities. In contrast to the internal factors that banks can influence, macroeconomic determinants include external factors that are often beyond the control of banks, such as inflation, changes in GDP, interest rate fluctuations, employment and other variables. This paper will examine how changes in these determinants can affect the overall performance of the economy, with a particular focus on the impact on bank profitability. Observing the links between macroeconomic factors and bank performance is essential for a better understanding of the dynamics of the financial sector in different economic contexts. Accordingly, the paper compares the European Union (EU) and the United States of America (USA) by analysing the financial statements of ten banks from each region and comparing their dynamics and sensitivity to changes in economic conditions. Data on the development of the inflation rate, selected interest rates and real GDP are presented for the observed period from 2018 to 2022. In addition to the macroeconomic determinants mentioned above, the paper analysed how the European Central Bank and the Federal Reserve System influence bank performance through the implementation of monetary policy. The paper found that negative changes in inflation, interest rates and real GDP as well as the effective implementation of monetary policy do not affect bank profitability to a large extent for the majority of the banks observed.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:341586
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 on2025-01-16 16:13:30