BUSINESS ANALYSIS OF IMEX BANKA PLC.

Pojava bankarstva usko je vezana uz pojavu novca, odnosno može se reći da bankarstvo ne postoji bez pojave moneta. Banke su sve one financijske institucije koje nude najširi raspon financijskih usluga kao što su kreditiranje, štednja i usluge platnog prometa. Hrvatska narodna banka središnja je banka Republike Hrvatske i sastavni je dio Europskog sustava središnjih banaka. Danas postoje brojne funkcije banke, a neke od njih su mjenjačka, depozitna, kreditna, funkcija plaćanja, funkcija upravljanja gotovinom. Također postoje i različite vrste banaka poput univerzalne banke, specijalizirane, depozitno-kreditne, središnje banke i štedionica. Poslovi koje banka obavlja dijele se po različitim kriterijima: funkcionalnosti, ročnosti i bilančno-analitičkom kriteriju. Za ovaj rad odabrana je Imex banka d.d. jer je to financijska institucija u potpunom hrvatskom vlasništvu koja posluje s najvećim privrednim subjektima u zemlji, ali i s manjim tvrtkama, obrtima i građanima kojima nudi sve financijske proizvode i usluge. Analiza poslovanja Imex banke d.d. prikazana je kroz nekoliko čimbenika kao što su: aktiva banke, udio aktive banke u ukupnoj bankarskoj aktivi, dobitak/gubitak prije oporezivanja, stopa adekvatnosti kapitala te jamstveni kapital banke.The origin of banking is closely related to the emergence of money as banking could not exist without it. The term “bank” refers to every financial institution that offers the widest range of financial services such as credit loans, savings, and payment services. The Croatian National Bank is the central bank of Croatia and it is an integral part of the European Central Bank System. A bank has numerous functions, some of which include currency exchange, deposit, credit, payment, and cash management. There are also different types of banks, such as universal banks, specialized banks, deposit-credit banks, central banks, and savings banks. The operations performed by the bank are divided according to different criteria: functionality, time limit, and balance-analytical criterion. For this work was selected Imex banka plc because it is an entirely Croatian financial institution that deals with the largest business entities in the country as well as with smaller companies, trades, and citizens to whom they offer all financial products and services. The business analysis of the Imex banka is presented through the analysis of several factors which include: bank’s assets, the share of the bank’s assets in total banking assets, pre-tax profit and loss, capital adequacy ratio and bank's equity capital