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master's thesis
Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark
Zagreb: University of Zagreb, Faculty of Economics and Business, 2020. urn:nbn:hr:148:468530
Bešlić, Domagoj
University of Zagreb
Faculty of Economics and Business
Department of Finance

Institutional repository: REPEFZG

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Bešlić, D. (2020). Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark (Master's thesis). Zagreb: University of Zagreb, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:148:468530

Bešlić, Domagoj. "Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2020. https://urn.nsk.hr/urn:nbn:hr:148:468530

Bešlić, Domagoj. "Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2020. https://urn.nsk.hr/urn:nbn:hr:148:468530

Bešlić, D. (2020). 'Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark', Master's thesis, University of Zagreb, Faculty of Economics and Business, accessed 29 August 2024, https://urn.nsk.hr/urn:nbn:hr:148:468530

Bešlić D. Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark [Master's thesis]. Zagreb: University of Zagreb, Faculty of Economics and Business; 2020 [cited 2024 August 29] Available at: https://urn.nsk.hr/urn:nbn:hr:148:468530

D. Bešlić, "Sustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark", Master's thesis, University of Zagreb, Faculty of Economics and Business, Zagreb, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:148:468530

Metadata
TitleSustav izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark
Title (english)The issuance system of mortgage covered bonds: Case study - Raiffeisen Landesbank Steiermark
AuthorDomagoj Bešlić
MentorBranka Tuškan Sjauš (mentor)
MBZ: 306803
Committee memberJakša Krišto (predsjednik povjerenstva)
Committee memberMaja Mihelja Žaja (član povjerenstva)
GranterUniversity of Zagreb
Faculty of Economics and Business
(Department of Finance)
Zagreb
Defense date and country2020-09-28, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Osigurane obveznice u europskom sustavu stambenog kreditiranja nakon depozita predstavljaju drugi najveći izvor financiranja. Zbog svojih svojstava zanimljive su i izdavateljima i ulagačima. Izdavateljima, jer na osnovu njih čak i u turbulentim vremenima mogu povoljno osigurati likvidna sredstva za potrebe daljnjeg financiranja, a ulagačima prvenstveno zbog svoje sigurnosti te zbog ostvarivanja većeg prinosa u odnosu na državne obveznice. Ubrzanom rastu pokrivenih hipotekarnih obveznica pridonjela je njihova dvostruka zaštita. U slučaju da izdvojeni kreditni skup pokrića, u kojem se nalaze visokokvalitetni hipotekarni krediti, nebude dostatan, banka odgovara imatelju cjelokupnom svojom imovinom. Cilj ovog rada je pobliže opisati proces izdavanja pokrivenih hipotekarnih obveznica na primjeru Raiffeisen Landesbank Steiermark te usporediti austrijsko tržište pokrivenih hipotekarnih obveznica sa tržištima drugih zemalja Europske unije. Također je cilj i istražiti važnost i utjecaj najznačajnijih izvora stambenog financiranja i uvjeta na financijskom tržištu na tržište pokrivenih hipotekarnih obveznica u Austriji.
Abstract (english)
Covered bonds in the European system of housing funding, after deposits, represent the second biggest source of funding. Because of their properties, they are interesting to emitents and also to investors. Based on them, banks can ensure liquidity with favorauble conditions for further funding even in turbulent times. They are interesting to investors primarly because of their safety and because they ensure higher yields than government bonds. Double protection contributed to accelerated growth of the mortgage covered bonds. In the case when cover pool assets, which includes high quality mortgage loans, is not sufficient, bank is liable to the bondholders with all their assets. The aim of this papier is to describe in detail the process of the issuing mortgage covered bonds on the example of Raiffeisen Landesbank Steiermark and to compare the Austrian market of mortgage covered bonds with the markets of other European union countries. It also aims to explore the importance and impact of the most significant sources of housing funding and financial market conditions on the mortgage covered bond market in Austria.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:148:468530
Study programmeTitle: Business Economics; specializations in: Finance, Accounting, Marketing, Organization and management, Trade, Tourism, Analysis and Business planning, Business informatics
Course: Finance
Study programme type: university
Study level: graduate
Academic / professional title: diplomirani/a ekonomist/ekonomistica (diplomirani/a ekonomist/ekonomistica)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence Attribution-NonCommercial-ShareAlike 3.0 Unported (CC BY-NC-SA 3.0) icon
Created on2020-09-29 11:54:39