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master's thesis
NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI
Diplomski rad
Split: University of Split, Faculty of economics Split, 2020. urn:nbn:hr:124:217421
Ujević, Luka
University of Split
Faculty of economics Split

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Ujević, L. (2020). NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad (Master's thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:217421

Ujević, Luka. "NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad." Master's thesis, University of Split, Faculty of economics Split, 2020. https://urn.nsk.hr/urn:nbn:hr:124:217421

Ujević, Luka. "NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad." Master's thesis, University of Split, Faculty of economics Split, 2020. https://urn.nsk.hr/urn:nbn:hr:124:217421

Ujević, L. (2020). 'NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad', Master's thesis, University of Split, Faculty of economics Split, accessed 19 April 2024, https://urn.nsk.hr/urn:nbn:hr:124:217421

Ujević L. NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad [Master's thesis]. Split: University of Split, Faculty of economics Split; 2020 [cited 2024 April 19] Available at: https://urn.nsk.hr/urn:nbn:hr:124:217421

L. Ujević, "NETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad", Master's thesis, University of Split, Faculty of economics Split, Split, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:124:217421

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TitleNETO KAMATNE MARŽE U BANKAMA: POKAZATELJI USPJEŠNOSTI, NATJECATELJSKE PREDNOSTI I PRIDRUŽENI RIZICI : Diplomski rad
AuthorLuka Ujević
MentorRoberto Ercegovac (mentor)
MBZ: 282031
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2020-09, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Cilj ovog rada je istražiti neto kamatnu maržu kao pokazatelj profitabilnosti banke te relaciju ostvarene neto kamatne marže i rizičnog profil banke. Napravljena je klaster analiza i regresijska analiza na temelju prikupljenih podataka o poslovnim rezultatima 22 europske banke u razdoblju od 2002 do 2019. Rezultati su pokazali da je neto kamatna marža pozitivno povezana s rizičnim profilom banke, odnosno s rizikom kreditnih aktiva. U radu se analizira i ponašanje banaka te kretanje neto kamatnog prihoda u okruženju negativnih kamatnih stopa te se zaključuje da prolongirana era negativnih kamatnih stopa nagriza profitabilnost kreditnih aktivnosti. Takođe, efekt daljnjeg snižavanja kmatnih stopa na kreditnu ekspanziju u uvijetima ekstremno niskih kamatnih stopa je sve manji.
Abstract (english)
Goal of this paper was to investigate net interest margin as an indicator of bank's profitability and its relation to bank's risk taking profile. Investigation was conducted by performing cluster analysis and linear regression analysis on data for 22 European banks in period from 2002 to 2019. The findings of this paper suggest there is a positive correlation between banks's net interest margin and credit asset risk. Paper also discusses banks behaviour and net interest income in low interest rates environment and suggests that long era of low or negative interest rates is eroding bank's profitability. As for impact on credit volumes, it seems that further lowering of interest rates takes less effect when intersest rates are already very low.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:217421
Study programmeTitle: Business Studies
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
RepositoryREFST
Created on2020-09-29 10:02:49