Analysis of the impact of the COVID-19 pandemic on bank operations

Cilj ovog rada je analizirati utjecaj COVID-19 pandemije na poslovanje banaka koristeći se ključnim pokazateljima poslovanja banaka, makroekonomskim pokazateljima odabranih zemalja te njihovim poslovanjem i stabilnošću. Izbijanje COVID-19 pandemije početkom 2020. godine donijelo je ogromne društvene i ekonomske poremećaje koji će imati neizbježan utjecaj na financijski sektor te poslovanje banaka. Rizici povezani sa procjenama vrijednosti kvalitete imovine, profitabilnosti, likvidnosti te solventnosti znatno su se povećali te je svrha ovog diplomskog rada analiza promjena ključnih pokazatelja. Rad je napisan tako da prikaže poslovanje banaka prema odabranim pokazateljima prije i tokom pandemije. Makroekonomski pokazatelji Hrvatske, Bugarske te Rumunjske uzeti su u obzir te njihov utjecaj na stabilnost samih bankovnih sustava. Novi rizici i izazovi u poslovanju javili su se dolaskom pandemije te postepeno dolazi do tektonskih promjena u bankarstvu. Budućnost poslovanja banaka i njihova prilagodba ključni su za financijski sustav. Na temelju analize donesen je zaključak da je pandemija značajno utjecala na poslovanje banaka i na njihovo buduće poslovanje zbog novih rizika i izazova u poslovanju. Europske su banke zbog visokih razina kapitaliziranosti uspjele u dobroj mjeri preživjeti šokove pandemije. Pandemija je značajno utjecala na zdravstvene sustave i gospodarstva diljem svijeta.The aim of this paper is to analyze the impact of the COVID-19 pandemic on banking operations using key indicators of bank operations, macroeconomic indicators of selected countries, and their performance and stability. The outbreak of the COVID-19 pandemic in early 2020 brought huge social and economic disruptions that will inevitably have an impact on the financial sector and the operations of banks. The risks associated with the assessment of the value of asset quality, profitability, liquidity and solvency have increased significantly and the purpose of this thesis is to analyze changes of the key indicators. The paper is written to show the performance of banks according to selected indicators before and during the pandemic. The macroeconomic indicators of Croatia, Bulgaria and Romania were also taken into account and their impact on the stability of the banking systems themselves. New risks and challenges in business have emerged with the arrival of the pandemic, and tectonic changes in banking are gradually taking place. The future of banks operations and their adjustment are crucial for the financial system. Based on the analysis, it was concluded that the pandemic significantly affected the operations of banks and their future operations due to new risks and challenges in operations. Due to high levels of capitalization, European banks have managed to survive the shocks of the pandemic. The pandemic has significantly affected health systems and economies around the world