ANALIZA POSLOVANJA MALIH BANAKA U HRVATSKOJ – SWOT ANALIZA U FOKUSU : završni rad

U ovom radu pozornost je posvećena malim bankama i njihovom poslovanju. U hrvatskom bankarskom sektoru danas posluje 20 banaka, od čega je 12 malih banaka. Trend smanjivanja broja banaka vidljiv je iz godine u godinu od čega se najviše smanjivao broj upravo malih banaka. Korištenjem analize pokazatelja praćena su određena kretanja u poslovanju malih banaka, kao što su pokazatelji ROA, ROE, neto kamatna marža, koeficijent likvidnosne pokrivenosti, rast kredita i depozita te postotna promjena aktive banaka. Korištenjem najčešće metode analize okoline, SWOT analize, otkriveni su brojni problemi u poslovanju malih banaka. Zasigurno imaju puno slabosti u svom poslovanju, međutim razvojem jedinstvene strategije poslovanja, male banke bi mogle osigurati opstanak i rast na financijskom tržištu.In this thesis attention is paid to small banks and their business performance. There are 20 banks operating in the Croatian banking sector today, out of which 12 are small banks. The trend of decreasing the number of banks is visible from year to year, of which the number of small banks decreased the most. By using the analysis of indicators, certain trends in the operations of small banks were monitored, such as indicators of ROA, ROE, net interest rate, liquidity coverage ratio, loan and deposit growth and percentage change in bank assets. By using the most common method of SWOT analysis, numerous problems in the operations of small banks were discovered. They certainly have a lot of weaknesses in their operations, however, by developing a unique business strategy, small banks could ensure survival and growth on the financial market