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master's thesis
Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke
Diplomski rad
2021. urn:nbn:hr:124:455069
Zečić, Teo
University of Split
Faculty of economics Split

Cite this document

Zečić, T. (2021). Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad (Master's thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:455069

Zečić, Teo. "Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad." Master's thesis, University of Split, Faculty of economics Split, 2021. https://urn.nsk.hr/urn:nbn:hr:124:455069

Zečić, Teo. "Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad." Master's thesis, University of Split, Faculty of economics Split, 2021. https://urn.nsk.hr/urn:nbn:hr:124:455069

Zečić, T. (2021). 'Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad', Master's thesis, University of Split, Faculty of economics Split, accessed 19 April 2024, https://urn.nsk.hr/urn:nbn:hr:124:455069

Zečić T. Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad [Master's thesis]. Split: University of Split, Faculty of economics Split; 2021 [cited 2024 April 19] Available at: https://urn.nsk.hr/urn:nbn:hr:124:455069

T. Zečić, "Procjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad", Master's thesis, University of Split, Faculty of economics Split, Split, 2021. Available at: https://urn.nsk.hr/urn:nbn:hr:124:455069

Metadata
TitleProcjena kreditne sposobnosti klijenta na primjeru Raiffeisen banke : Diplomski rad
AuthorTeo Zečić
MentorLjiljana Vidučić (mentor)
MBZ: 064714
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2021-09, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U diplomskom radu prikazan je postupak kojeg koristi Raiffaisen banka prilikom procjene kreditne sposobnosti klijenata. Na početku je definiran pojam kredita jer predstavlja jedan od najzastupljenijih proizvoda u poslovanju banke. Zatim su definirane različite vrste rizika u kreditnim aktivnostima, s najvećim naglaskom na kreditni rizik. Analizom kreditne sposobnosti dobio se uvid koje sve financijske i nefinancijske pokazatelje uzima u obzir banka prilikom akviziranja klijenta. Na kraju je prikazan cjelokupan proces, pravila i procedure kojima se koristi Raiffaisen banka prilikom odobravanja kredita. Kada se pogledaju odgovori na istraživačka pitanja postavljena u ovom diplomskom radu, dolazi se do zaključka da Raiffaisen banka ima napredan sustav procjene rizika, formalizirana pravila i procedure, izrazito naprednu tehnologiju te koordinaciju svih odjela prilikom sagledavanja klijenta i odobravanja kredita. U ovom diplomskom radu je potvrđeno putem istraživanja da su financijski pokazatelji koji se izračunavaju putem financijskih izvještaja (bilanca, RDG, bruto bilanca) temelj za donošenje odluke da li će kredit biti odobren ili ne. Također je utvrđeno da svi financijski pokazatelji nemaju istu važnost. EBITDA predstavlja jedan od najbitnijih pokazatelja koje banka uzima u obzir.
Abstract (english)
The graduate thesis presents the procedure used by Raiffaisen banka in assessing the creditwort-hiness of clients. At the beginning, the term credit was defined because it represents one of the most prevalent products in the bank's operations, and then various types of risks in credit activites were defined, with the highest emphasis on credit risk. The creditworthiness analysis provided an insight into which financial and nonfinancial indicators the bank takes into account when acquiring the client. In the end, the entire process, rules and procedures used by Raiffaisen Bank in issuing loans are presented. When we look at the answers to research questions raised in this graduate paper, we come to the conclusion that Raiffaisen banka has an advanced risk assessment system, formalized rules and procedures, highly advanced technology and coordination of all departments in customer view and loan approval. This graduate paper confir-ms through research that financial indicators calculated through financial statements (balance sheet, RDG, gross balance sheet) are the basis for deciding whether or not the loan will be approved. It was also found that all financial indicators do not have the same significance. The EBITDA is one of the most important indicators that the Bank takes into account.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:455069
Study programmeTitle: Business Studies
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2021-09-21 08:52:53