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master's thesis
Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj
osvrt na Erste Bank d.d.
Rijeka: University of Rijeka, Faculty of Economics and Business, 2022. urn:nbn:hr:192:809086
Tonković, Sanda
University of Rijeka
Faculty of Economics and Business

Institutional repository: Repository of the University of Rijeka, Faculty of Economics and Business

Cite this document

Tonković, S. (2022). Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d. (Master's thesis). Rijeka: University of Rijeka, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:192:809086

Tonković, Sanda. "Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d.." Master's thesis, University of Rijeka, Faculty of Economics and Business, 2022. https://urn.nsk.hr/urn:nbn:hr:192:809086

Tonković, Sanda. "Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d.." Master's thesis, University of Rijeka, Faculty of Economics and Business, 2022. https://urn.nsk.hr/urn:nbn:hr:192:809086

Tonković, S. (2022). 'Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d.', Master's thesis, University of Rijeka, Faculty of Economics and Business, accessed 27 December 2024, https://urn.nsk.hr/urn:nbn:hr:192:809086

Tonković S. Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d. [Master's thesis]. Rijeka: University of Rijeka, Faculty of Economics and Business; 2022 [cited 2024 December 27] Available at: https://urn.nsk.hr/urn:nbn:hr:192:809086

S. Tonković, "Analiza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d.", Master's thesis, University of Rijeka, Faculty of Economics and Business, Rijeka, 2022. Available at: https://urn.nsk.hr/urn:nbn:hr:192:809086

Metadata
TitleAnaliza utjecaja pandemije COVID-19 na poslovanje banaka u Republici Hrvatskoj : osvrt na Erste Bank d.d.
Title (english)Analysis of the impact of the pandemic COVID-19 on the operations of banks in the Republic of Croatia : review of Erste Bank d.d.
AuthorSanda Tonković
MentorDunja Škalamera-Alilović (mentor)
MentorNikolina Dukić Samaržija (komentor)
Committee memberDunja Škalamera-Alilović (predsjednik povjerenstva)
Committee memberMirjana Grčić Fabić (član povjerenstva)
Committee memberNikolina Dukić Samaržija (član povjerenstva)
GranterUniversity of Rijeka
Faculty of Economics and Business
Rijeka
Defense date and country2022-09-28, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Poslovno okruženje karakterizira visoka dinamika, informacijska nesigurnost i nepredvidivost događaja i rezultata njihovog djelovanja. Hrvatske su banke u 2020. godini imale neto gubitak od 2,7 milijardi HRK, što je pad od 53,1 posto u odnosu na dobit u 2019. godini. Stoga se može zaključiti kako je pandemija COVID-19 negativno utjecala na bankarski sektor u Hrvatskoj. Pandemija je uzrokovala značajno povećanje rizika od nevraćanja kredita pa su kreditne institucije povećale rezerve za očekivane gubitke zbog pandemije. Ključni pokazatelji profitabilnosti su bili u padu tijekom krize, pri čemu se povrat na imovinu smanjio s 1,4% na 0,6%, a povrat na kapital s 9,8% na 4,4%. Kriza nije zaobišla ni Erste&Steiermärkische banku. Tijekom pandemijskog razdoblja banka je uspjela održati stabilnost poslovanja i pružiti odgovarajuću podršku klijentima tijekom izazovnog vremena pandemije. Prepoznajući objektivno stanje, menadžment banke je dao velik doprinos kako bi klijenti, građani i tvrtke što manje bili pogođeni trenutnom situacijom, te kako bi se održao kontinuitet njihovog poslovanja.
Abstract (english)
The business environment is characterized by high dynamics, information uncertainty and unpredictability of events and the results of their actions. In 2020, Croatian banks had a net loss of HRK 2.7 billion, which is a 53.1 percent drop compared to the profit in 2019 Therefore, it can be concluded that COVID-19 pandemics has had a negative impact on the banking sector in Croatia. COVID-19 caused a significant increase in the risk of loan non-payment. Credit institutions have increased reserves for expected losses due to the pandemic. Key profitability indicators were in decline during the crisis, with return on assets decreasing from 1.4% to 0.6% and return on equity from 9.8% to 4.4%. The crisis did not bypass Erste&Steiermärkische Bank either. During the pandemic period, the bank managed to maintain business stability and provide adequate support to clients during the challenging time of the pandemic. Recognizing the objective situation, the bank's management made a great contribution so that clients, citizens and companies were as little affected by the current situation as possible, and to maintain the continuity of their business.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:192:809086
Study programmeTitle: Business economics; specializations in: Finance, Entrepreneurship, Management, Finance and Accounting, Marketing, International Business, IT Business
Course: Entrepreneurship
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
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Created on2022-11-15 14:08:58