Business analysis of consumer credit offers in Croatian banks

U današnjom svijetu kojeg karakterizira brzo rastuća ekonomija i sve veći broj stanovnika, potreba za novcem kao primarnim sredstvom financiranja rastućih potreba stanovništva, dovela je do ekspanzije banaka, što je za posljedicu imalo sve veću i širu ponudi kako kredita tako i zajmova. Utjecaj ekspanzije najviše se očitovao u sve većem broju zahtjeva za kreditima, posebice onima potrošačkog karaktera. Banke u svojim ponudama potrošačkih kredita nude potrošačke kredite temeljem kartice kao i potrošačke kredite za kupnju robe široke potrošnje. S obzirom na to da banke odobravaju potrošačke kredite s točno određenom namjenom, ova vrsta kredita poznata je i pod nazivom namjenski krediti. Tako se u ponudi banke mogu pronaći potrošački krediti isključivo za kupnju motornih vozila ili financiranje zdravstvenih usluga. S obzirom na značaj koji potrošački krediti imaju u današnjem svijetu, ovaj završni rad obrađuje tematiku potrošačkih kredita u hrvatskim bankama. U radu je prikazana usporedna analiza ponude potrošačkih kredita u trima bankama: Addiko banci d.d., Splitskoj banci d.d. i Privrednoj banci Zagreb d.d. U radu je naglašen odnos promatranih banaka u odnosu na ukupnu imovinu šest najvećih banaka u Republici Hrvatskoj. Temeljne karakteristike kredita kao što su namjena, moguća visina i valutu u kojoj se kredit odobrava, kao i visina nominalne i efektivne kamatne stope i instrumenti osiguranja povrata kredita prikazani su u istraživačkom dijelu rada.In today's world characterized by a rapidly growing economy and an increasing number of people, the need for money as the primary instrument of financing the growing needs of the population has led to the expansion of banks, resulting in ever greater and wider offer of loans. The impact of the expansion is most evident in the increasing number of loan applications, especially those of consumer character. Banks in their consumer credit offer offers consumer credit based on the card as well as consumer credits for the purchase of consumer goods. Since banks approve consumer loans with a specific purpose, this type of loan is also known as named loans. This is the reason why in banks consumer credit offer it can be found consumer loans solely for the purchase of motor vehicles or the financing of health services. Given the importance of consumer credit in today's world, this final paper deals with the offer of consumers credit through a comparative analysis of consumer credit supply in the three Croatian banks: Addiko banci d.d., Splitskoj banci d.d. and Privredna banka Zagreb d.d. The paper emphasizes the relationship between the observed banks and the total assets of the six largest banks in the Republic of Croatia. Fundamental characteristics of loans such as the purpose and the level of the loan in which the loan is granted, as well as the nominal and effective interest rate and the loan repayment instruments are shown in the research part of the paper