master's thesis
PROCJENA KREDITNE SPOSOBNOSTI KORPORATIVNIH KLIJENATA U SOCIETE GENERALE SPLITSKOJ BANCI D.D.

Ivan Petković (2016)
University of Split
Faculty of economics Split
Metadata
TitlePROCJENA KREDITNE SPOSOBNOSTI KORPORATIVNIH KLIJENATA U SOCIETE GENERALE SPLITSKOJ BANCI D.D. : Diplomski rad
AuthorIvan Petković
Mentor(s)Ana Kundid Novokmet (thesis advisor)
Abstract
U ovom radu analizirane su i obrazložene procedure koje koristi Splitska banka d.d. prilikom procjene kreditne sposobnosti korporativnih klijenata. Iznesene su teorijske postavke o kreditnom riziku, kao i tradicionalni te suvremeni načini procjene kreditne sposobnosti. Nadalje, prikazan je cjelokupan proces kreditne aktivnosti banke, od zaprimanja obrasca kreditnog zahtjeva i ostale dokumentacije, do postupaka analize financijskih izvještaja putem pokazatelja, te donošenja odluke o odobravanju ili odbijanju kreditnog zahtjeva. S obzirom na glavne pretpostavke rada, doneseni su zaključci kako se Societe Generale Splitska banka d.d. koristi formaliziranim pravilima i procedurama koje smanjuju rizik odobravanja po banku loših kredita. Utvrđeno je da su financijski pokazatelji temelj za donošenje pozitivne ili negativne odluke te da dugoročno dobri odnosi banke i klijenta predstavljaju vrlo bitan faktor kod donošenja odluke o kreditiranju.
KeywordsCredit risk creditworthiness analysis by means of indicators
GranterUniversity of Split
Faculty of economics Split
PlaceSplit
StateCroatia
Scientific field, discipline, subdisciplineSOCIAL SCIENCES
Economics
Finance
Study programme typeuniversity
Study levelgraduate
Study programmeBusiness Studies
Academic title abbreviationmag. oec.
Genremaster's thesis
Language Croatian
Defense date2016-09
Parallel abstract (English)
In this thesis, procedures used by Societe Generale Splitska Banka d.d. upon the assessment of the creditworthiness of corporate clients have been analysed and explained. Theoretical assumptions regarding the credit risk have been presented, as well as the traditional and contemporary ways of the assessment of creditworthiness. Furthermore, the entire process of the bank lending has been shown, from the receiving of the loan application form and other documentation to the methods of analysis of financial statements by means of indicators, and the making of the decision on approving or rejecting the loan application. In view of the main assumptions of the thesis, conclusions were made about the Societe Generale Splitska banka d.d. using formalized rules and procedures which reduce the risk of granting loans which do not benefit the bank. It was found that the financial indicators form the basis for making a positive or negative decision and that good relations between a bank and a client represent a very important factor when making a decision on lending in the long term.
Parallel keywords (Croatian)Kreditni rizik kreditna sposobnost analiza putem pokazatelja
Resource typetext
Access conditionOpen access
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
URN:NBNhttps://urn.nsk.hr/urn:nbn:hr:124:618303
CommitterIvana Gizdić