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master's thesis
Kapital banaka kao zaštita od rizika
2021. urn:nbn:hr:137:457405
Grgić, Katarina
University of Pula
Faculty of economics and tourism "Dr. Mijo Mirković"

Cite this document

Grgić, K. (2021). Kapital banaka kao zaštita od rizika (Master's thesis). Pula: University of Pula. Retrieved from https://urn.nsk.hr/urn:nbn:hr:137:457405

Grgić, Katarina. "Kapital banaka kao zaštita od rizika." Master's thesis, University of Pula, 2021. https://urn.nsk.hr/urn:nbn:hr:137:457405

Grgić, Katarina. "Kapital banaka kao zaštita od rizika." Master's thesis, University of Pula, 2021. https://urn.nsk.hr/urn:nbn:hr:137:457405

Grgić, K. (2021). 'Kapital banaka kao zaštita od rizika', Master's thesis, University of Pula, accessed 03 April 2025, https://urn.nsk.hr/urn:nbn:hr:137:457405

Grgić K. Kapital banaka kao zaštita od rizika [Master's thesis]. Pula: University of Pula; 2021 [cited 2025 April 03] Available at: https://urn.nsk.hr/urn:nbn:hr:137:457405

K. Grgić, "Kapital banaka kao zaštita od rizika", Master's thesis, University of Pula, Pula, 2021. Available at: https://urn.nsk.hr/urn:nbn:hr:137:457405

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Metadata
TitleKapital banaka kao zaštita od rizika
Title (english)Bank capital as a risk protection
AuthorKatarina Grgić
MentorManuel Benazić (mentor)
Committee memberDean Učkar (predsjednik povjerenstva)
Committee memberMarta Božina Beroš (član povjerenstva)
GranterUniversity of Pula
(Faculty of economics and tourism "Dr. Mijo Mirković")
Pula
Defense date and country2021-09-23, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
U današnje vrijeme značaj banaka postaje sve veći. Razlog tomu je sve veći okvir poslova koje obavljaju za svoje klijente. Rizici s kojima se banke susreću su mnogobrojni i sveprisutni. Kvalitetno i precizno upravljanje rizicima bitna je kvaliteta za banku jer se time izbjegavaju neželjeni i neočekivani gubitci koji proizlaze iz nesigurnosti posla. Kapital kao jedan od najbitnijih oblika zaštite od rizika, banci pruža sigurnost apsorpcijom nastalih gubitaka. Kako bi banke mogle slobodno i... More sigurno poslovati, kapital mora biti očuvan na određenoj razini. Kapitalni zahtjevi postavljeni su Baselskim sporazumima. Oni određuju minimalnu stopu adekvatnosti kapitala koja iznosi 8% rizikom ponderirane aktive. Osim Baselskih sporazuma, kapitalne zahtjeve određuje Uredba o kapitalnim zahtjevima (CRR) te Direktiva o kapitalnim zahtjevima (CRD). Direktiva propisuje i dodatne odnosno zaštitne slojeve kapitala koje banke moraju čuvati: zaštitni sloj za očuvanje kapitala, protuciklički kapital, zaštitni sloj za sistemske rizike te zaštitni sloj za globalne odnosno ostale sistemski važne institucije. Hrvatske banke su visoko kapitalizirane i imaju visoku razinu likvidnosne pokrivenosti te umjerenu izloženost sistemskom riziku. Kako bi se osigurali zahtjevi za kapitalom iznad minimalne razine, nadzor nad institucijama provodi Hrvatska narodna banka koja može odrediti sankcije u slučaju nepridržavanja zahtjeva. Less
Abstract (english)
Nowadays, the importance of banks is growing. The reason for this is the growing framework of jobs they perform for their clients. The risks that banks face are numerous and ubiquitous. Quality and precise risk management is an essential quality for a bank because it avoids unwanted and unexpected losses arising from job insecurity. Capital, as one of the most important forms of risk protection, provides security to the bank by absorbing the incurred losses. In order for banks to operate... More freely and safely, capital must be preserved at a certain level. Capital requirements are set by the Basel Accords. They set a minimum capital adequacy ratio of 8% of risk-weighted assets. In addition to the Basel Accords, capital requirements are determined by the Capital Requirements Regulation (CRR) and the Capital Requirements Directive (CRD). The Directive also prescribes additional or protective layers of capital that banks must keep: a protective layer for the preservation of capital, countercyclical capital, a protective layer for systemic risks and a protective layer for global or other systemically important institutions. Croatian banks are highly capitalized and have a high level of liquidity coverage and moderate exposure to systemic risk. In order to ensure capital requirements above the minimum level, supervision of institutions is carried out by the Croatian National Bank, which may impose sanctions in the event of non-compliance. Less
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:137:457405
Study programmeTitle: Business Economics; Financial Management, Marketing Management, Management and Entrepreneurship,Tourism, Business Informatics; specializations in: Financial Management, Marketing Management, Management and Entrepreneurship, Tourism and Development, Business Informatics, Informatics Management
Course: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra poslovne ekonomije (magistar/magistra poslovne ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2021-09-25 12:44:59
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