| Abstract | Tematika ovog rada jest Upravljanje likvidnošću u poslovnim bankama. Likvidnost jako bitna, kako za privatne tvrtke, tako i za poslovne banke. Svrha ovog rada je prije svega pokazati na praktičnom primjeru PBZ banke kako nose sa svim rizicima, te kako im uspijeva izvrsno upravljati likvidnošću, čak i u ovim izazovnim vremenima . Likvidnost, ukratko, podrazumijeva plaćanje svih dospjelih obaveza. Za vrijeme brojnih kriza, bilo financijske prirode, ili pak krize kao što je pandemija koronavirusa, brojne poslovne banke nastoje postići primjerenu likvidnost, odnosno nastoje na što bolji način upravljati likvidnošću. Banke je moguće definirati kao institucije koje prikupljaju sredstva, ali i osiguravaju razne financijske usluge. Što se tiče funkcija banaka, dijele se na depozitne, te kreditne. Banke na raspolaganje imaju dva izvora sredstava primarni, te sekundarni izvori. Pod primarnim izvorima se smatraju kapitali banaka, te sredstva bankarskih klijenata. Kapital banaka podrazumijevaju dionički kapital, zadržanu dobit, te bankarske rezerve. |
| Abstract (english) | The topic of this paper is Liquidity Management in Commercial Banks. Liquidity is very important for both private companies and commercial banks. The purpose of this paper is primarily to show on a practical example of PBZ bank how to deal with all risks, and how to excellently manage liquidity, even in these challenging times. In short, liquidity means the payment of all overdue liabilities. During numerous crises, whether of a financial nature or a crisis such as the coronavirus pandemic, many commercial banks strive to achieve adequate liquidity, ie they try to manage liquidity in the best possible way. Banks can be defined as institutions that raise funds, but also provide various financial services. As for the functions of banks, they are divided into deposit and credit. Banks have two sources of funds at their disposal, primary and secondary sources. The primary sources are considered to be the capital of banks and the funds of bank clients. Banks' capital includes share capital, retained earnings, and bank reserves. |
