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master's thesis
Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19
Zagreb: University of Zagreb, Faculty of Economics and Business, 2021. urn:nbn:hr:148:281476
Krstanović, Karlo
University of Zagreb
Faculty of Economics and Business
Department of Finance

Institutional repository: REPEFZG

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Krstanović, K. (2021). Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19 (Master's thesis). Zagreb: University of Zagreb, Faculty of Economics and Business. Retrieved from https://urn.nsk.hr/urn:nbn:hr:148:281476

Krstanović, Karlo. "Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2021. https://urn.nsk.hr/urn:nbn:hr:148:281476

Krstanović, Karlo. "Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19." Master's thesis, University of Zagreb, Faculty of Economics and Business, 2021. https://urn.nsk.hr/urn:nbn:hr:148:281476

Krstanović, K. (2021). 'Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19', Master's thesis, University of Zagreb, Faculty of Economics and Business, accessed 26 December 2024, https://urn.nsk.hr/urn:nbn:hr:148:281476

Krstanović K. Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19 [Master's thesis]. Zagreb: University of Zagreb, Faculty of Economics and Business; 2021 [cited 2024 December 26] Available at: https://urn.nsk.hr/urn:nbn:hr:148:281476

K. Krstanović, "Poslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19", Master's thesis, University of Zagreb, Faculty of Economics and Business, Zagreb, 2021. Available at: https://urn.nsk.hr/urn:nbn:hr:148:281476

Metadata
TitlePoslovanje i regulacija banaka uslijed krize uzrokovane pandemijom bolesti COVID-19
Title (english)Banking business and regulation amid COVID-19 pandemic
AuthorKarlo Krstanović
MentorAlen Stojanović (mentor)
MBZ: 205171
Committee memberAlen Stojanović (predsjednik povjerenstva)
Committee memberJakša Krišto (član povjerenstva)
Committee memberBranka Tuškan Sjauš (član povjerenstva)
GranterUniversity of Zagreb
Faculty of Economics and Business
(Department of Finance)
Zagreb
Defense date and country2021-09-28, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Javno-zdravstvene mjere poduzete s ciljem zaustavljanja širenja novootkrivenog koronavirusa ostavljaju negativne posljedice na gospodarstva zemalja diljem svijeta. Pad dohotka i velika neizvjesnost utječu na poslovanje banaka. I dok su banke u prethodnoj krizi bile dijelom problema koji je uzrokovao samu recesiju, pojava bolesti COVID-19 predstavlja egzogeni šok koji pogađa sve gospodarske sektore. Cilj je stoga očuvati zdravlje banaka te uz njihovu pomoć, kreditiranjem, vratiti poslovni ciklus na uzlaznu putanju. Globalni regulatorni okvir za jačanje otpornosti banaka i bankovnog sustava, poznatiji kao Basel III, predstavlja referentni regulatorni okvir u kojem su banke dočekale COVID-19 krizu. On je učvrstio kapitalne pozicije banaka i njihovu otpornost na financijske ili gospodarske šokove, poboljšao upravljanje rizicima te pojačao transparentnost i standarde objave informacija u bankama. Dodatno, Međunarodni monetarni fond identificirao je preko 800 regulatornih i supervizijskih mjera u više od stotinu zemalja diljem svijeta uvedenih za vrijeme krize s ciljem nastavka kreditiranja gospodarstva i bržeg oporavka. Neke od njih tiču se implementacije i nadgledanja moratorija na kredite, tretmana operativnog rizika, objave informacija javnosti, raznih ograničenja isplate iz kapitala i korištenja zaštitnih slojeva kapitala. Podaci iz 2020. godine pokazuju kako su banke razvijenih zemalja doista nastavile s kreditiranjem gospodarstva. Zbog visokih rezervacija za gubitke po nenaplativim kreditima, većina zemalja bilježi pad neto dobiti, a posljedično i pokazatelja povrata na prosječnu imovinu (ROA) i prosječni kapital (ROE). Banke u zemljama s razvijenim tržištem kapitala uspjele su ostvariti visoke prinose od trgovanja financijskim instrumentima zbog velike volatilnosti tržišta u prvoj polovici 2020. godine. Utjecaj na poslovne rezultate banaka u narednom razdoblju ovisan je o obliku i daljnjem trajanju krize. Regulatorni okvir za poslovanje banaka kao odgovor na COVID-19 krizu u Republici Hrvatskoj slijedio je praksu razvijenih zemalja. Hrvatske su banke u dosadašnjem dijelu krize ostale snažno kapitalizirane, nastavljeno je kreditiranje gospodarstva, ali je dobit banaka ipak u 2020. godini prepolovljena.
Abstract (english)
Public-health measures, which have been introduced to curb the spread of newly discovered coronavirus, have negative impact on the economies around the globe. Lower income and big uncertainty affect banking business. While banks were part of the problem that caused the financial crisis in 2007, COVID-19 represents an exogenous shock which hits each economic sector. Thus, most of countries wanted to preserve the soundness of a banking sector at all costs and, by its help, bring a business cycle on the upwards course. A global regulatory framework for more resilient banks and banking systems, or Basel III, is a reference regulatory framework in which banks faced the COVID-19 crisis. It has strengthened banks’ capital positions and their resilience to a financial or economic shock, improved risk management and boosted transparency and standards for the disclosure of information. Additionally, IMF has identified over 800 regulatory and supervisory measures in more than hundred countries around the world that have been introduced during the crisis to continue banks’ credit activity and ensure fast recovery. Some of those measures are about the implementation and monitoring of COVID-19 moratoria, treatment of operating risk, public disclosure of information, restrictions of capital distribution and capital buffers release. 2020 data shows that banks held their credit activity on pre-crisis levels. However, lower net income, as well as return on assets and return on capital, have been affected by enormous loan loss provisions. Banks in the countries with developed capital market managed to generate high returns on their financial instruments due to high market volatility in the first half of 2020. Further impact on banks’ business performance depends on the shape and persistence of the crisis. Croatian regulatory framework, as part of the COVID-19 respond, has followed the best practice of developed countries. Banks in the Republic of Croatia have remained strongly capitalized and continued their credit activity, but with a net income halved in 2020.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:148:281476
Study programmeTitle: Business Economics
Study programme type: university
Study level: integrated undergraduate and graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Embargo expiration date: 2022-03-29
Terms of useLicence Attribution-NonCommercial-ShareAlike 3.0 Unported (CC BY-NC-SA 3.0) icon
Created on2021-09-28 18:58:25