Analysis of Bank Capital Adequancy in the Republic of Croatia

Bankovni kapital ima značajnu ulogu u sprječavanju propasti banke te djeluje kao zaštitni sloj protiv mogućih gubitaka. Adekvatnost kapitala pokazuje količinu kapitala koju banka mora sačuvati da bi uspješno poslovala, primijenila mogućnosti rasta, apsorbirala gubitke i sačuvala povjerenje klijenata. S ciljem povećanja financijske stabilnosti diljem svijeta, Baselski odbor donio je tri kapitalna sporazuma: Basel I, Basel II i Basel III. Kako bi se osiguralo da banke posluju sigurno i pouzdano te da ujedno poštuju pravila i propise, nužno je provođenje nadzora banaka koji u Republici Hrvatskoj provodi Europska Središnja Banka u suradnji s Hrvatskom narodnom bankom temeljem raznih europskih i nacionalnih propisa i administrativnih akata. Analiza kapitaliziranosti europskih i hrvatskih banaka pruža uvid u stvarno stanje i kretanje kapitala u bankama pri čemu se potvrđuje kako bi hrvatske banke znatno bolje mogle podnijeti ekonomske posljedice Covid-19 krize.Bank capital plays a significant role in preventing the bank from collapsing and acts as a protective layer against possible losses. Capital adequacy shows the amount of capital that a bank must maintain in order to operate successfully, apply growth opportunities, absorb losses and preserve customer confidence. Aiming to increase financial stability worldwide, the Basel Committee has adopted three capital agreements: Basel I, Basel II and Basel III. In order to ensure that banks operate safely and reliably and at the same time comply with rules and regulations, it is necessary to conduct banking supervision in the Republic of Croatia by the European Central Bank in cooperation with the Croatian National Bank on the basis of various European and national regulations and administrative acts. The analysis of the capitalization of European and Croatian banks provides an insight into the real situation and movement of capital in banks, which confirms that Croatian banks could better withstand the economic consequences of the Covid-19 crisis