BUSINESS ANALYSIS OF THE BANKING SECTOR IN THE REPUBLIC OF CROATIA

Ovaj rad pokušava objasniti funkcioniranje banaka i koje poslove obavljaju. Prije razrade poslovanja i organizacije bankarskog sektora, potrebno je definirati pojam banke. Banka je profitna organizacija kojoj je glavni zadatak nuđenje i pružanje financijskih usluga. Tijekom posljednjih petnaest godina u bankarstvu su se događale brojne promjene, stoga je prikazan njihov utjecaj na cjelokupni bankarski sektor te kako je postupno došlo do prelaska s tradicionalnog na moderno bankarstvo iz kojeg proizlaze nove poslovne filozofije banaka putem kojih banke ulaze u cjelokupno financijsko poslovanje. Definirani su ciljevi bankarstva koji se donose na izučavanje, obradu i objašnjenje banke, bankarskog sustava, poslovanja, različitih odnosa te operacija koje se javljaju između banaka i njihovih klijenata, kao i karakteristike koje opisuju poslovanje banaka. Bankarstvo ima zadatak da ispituje i prati opća ekonomska kretanja koja se iskazuju funkcioniranjem banaka u bankarskom sustavu. Glavni poslovi kojima se bankarski sustav bavi su čuvanje depozita, a najveći naglasak se stavlja na izdavanje kredita. Krediti uz svoju raspoloživost imaju najvažniju funkciju koju banke osiguravaju uz ostale usluge, kao što su obavljanje platnog prometa te primanje depozita. Na primjeru OTP banke su objašnjenje vrste kredita koje ona nudi građanima, odnosno fizičkim osobama, te koji su uvjeti korištenja istih.This paper attempts to explain the functioning of banks and what tasks they perform. Before elaborating the business and organization of the banking sector, it is necessary to define the term bank. The bank is a for-profit organization whose main task is to offer and provide financial services. Numerous changes have taken place in banking over the last fifteen years, showing their impact on the entire banking sector and the gradual transition from traditional to modern banking, which gives rise to new business philosophies of banks through which banks enter the entire financial business. The goals of banking are defined, which are brought to the study, processing and explanation of the bank, the banking system, operations, various relationships and operations that occur between banks and their clients, as well as the characteristics that describe the operations of banks. Banking has the task of examining and monitoring the general economic trends that are reflected in the functioning of banks in the banking system. The main activities of the banking system are custody of deposits, and the greatest emphasis is placed on issuing loans. Loans, in addition to their availability, have the most important function that banks provide in addition to other services, such as performing payment operations and receiving deposits. The example of OTP banka is an explanation of the type of loans it offers to citizens, ie natural persons, and what are the conditions for using them