Credit activity during the COVID-19 pandemic on the example of Erste bank

Krediti su dužničko-vjerovnički odnosi prilikom kojih vjerovnik ustupa dužniku određeni novčani iznos na korištenje tijekom ugovorenog vremena te uz ugovorene uvjete povrata tog novca. Podjele i vrste kredita govore u prilog toga koliko su krediti složena pojava i koliko im pažnje i opreza treba posvetiti. Krediti se najčešće dijele prema roku dospijeća i ekonomskoj funkciji na: kratkoročne, srednjoročne i dugoročne kredite. Važno je poznavati pojam kreditne sposobnosti te načine njezina izračuna. Također, potrebno je poznavati proceduru ugovaranja kredita te sve uvjete i posljedice do kojih može doći. Banka zbog svoje sigurnosti propisuje različite instrumente osiguranja kredita koji služe za naplatu kredita ukoliko dužnik ne bude mogao otplatiti ugovoreni kredit. Praktični dio rada donosi podatke o utjecaju pandemije COVID-19 na kreditnu aktivnost građana Republike Hrvatske u Erste banci. Samim time, u radu se ističu karakteristike bankarskog poslovanja, bankarskih kredita te kreditne sposobnosti te se navode obilježja poslovanja Erste banke kao i utjecaj pandemije COVID-19 na banke, potražnju za kreditima i politiku kreditiranja banke.Credits are debtor-creditor relations in which the creditor assigns the debtor a certain amount of money for use during the agreed time and with the agreed terms of repayment of that money. The divisions and types of credits speak in favor of how complex credits are and how much attention and caution should be paid to them. Credits are usually divided according to due date and economic function into: shortterm, medium-term and long-term credits. It is important to know the concept of credit ability and ways to calculate it. In addition, it is needed to know the procedure for contracting a credit and all the conditions and consequences that may occur. Due to its security, the bank prescribes various credit insurance instruments, which they use to collect the money if the borrower is unable to repay the contracted credit. The practical part of the paper provides data on the impact of the COVID-19 pandemic on the credit activity of the citizens of the Republic of Croatia in Erste Bank. There are described the business of Erste Bank, the impact of COVID-19 on banks, the demand for credits and the bank's lending policy