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undergraduate thesis
KREDITNA POLITIKA IMEX BANKE D.D.
2021. urn:nbn:hr:228:243314
KRPETIĆ, ANA
University of Split
University Department of Professional Studies

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KRPETIĆ, A. (2021). KREDITNA POLITIKA IMEX BANKE D.D. (Undergraduate thesis). Split: University of Split, University Department of Professional Studies. Retrieved from https://urn.nsk.hr/urn:nbn:hr:228:243314

KRPETIĆ, ANA. "KREDITNA POLITIKA IMEX BANKE D.D.." Undergraduate thesis, University of Split, University Department of Professional Studies, 2021. https://urn.nsk.hr/urn:nbn:hr:228:243314

KRPETIĆ, ANA. "KREDITNA POLITIKA IMEX BANKE D.D.." Undergraduate thesis, University of Split, University Department of Professional Studies, 2021. https://urn.nsk.hr/urn:nbn:hr:228:243314

KRPETIĆ, A. (2021). 'KREDITNA POLITIKA IMEX BANKE D.D.', Undergraduate thesis, University of Split, University Department of Professional Studies, accessed 28 November 2023, https://urn.nsk.hr/urn:nbn:hr:228:243314

KRPETIĆ A. KREDITNA POLITIKA IMEX BANKE D.D. [Undergraduate thesis]. Split: University of Split, University Department of Professional Studies; 2021 [cited 2023 November 28] Available at: https://urn.nsk.hr/urn:nbn:hr:228:243314

A. KRPETIĆ, "KREDITNA POLITIKA IMEX BANKE D.D.", Undergraduate thesis, University of Split, University Department of Professional Studies, Split, 2021. Available at: https://urn.nsk.hr/urn:nbn:hr:228:243314

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Metadata
TitleKREDITNA POLITIKA IMEX BANKE D.D.
Title (english)CREDIT POLICY OF IMEX BANKA D.D.
AuthorANA KRPETIĆ
MentorBRANKO SORIĆ (mentor)
Committee memberIVONA JUKIĆ (član povjerenstva)
Committee memberANITA KROLO CRVELIN (član povjerenstva)
GranterUniversity of Split
University Department of Professional Studies
Split
Defense date and country2021-07-15, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
U ovom radu analizirane su i obrazložene procedure koje banke koriste prilikom procjene kreditne sposobnosti klijenata. Iznesene su teorijske postavke o kreditnoj politici, kreditnom riziku, kao i načini procjene kreditne sposobnosti. Nadalje, prikazan je cjelokupan proces kreditne aktivnosti banke, od zaprimanja obrasca kreditnog zahtjeva i ostale dokumentacije, do postupaka analize financijskih izvještaja putem pokazatelja, te donošenja odluke o odobravanju ili odbijanju kreditnog zahtjeva. Doneseni su zaključci kako se banke koriste formaliziranim pravilima i procedurama koje smanjuju rizik odobravanja po banku loših kredita. Utvrđeno je da su financijski pokazatelji temelj za donošenje pozitivne ili negativne odluke te da dugoročno dobri odnosi banke i klijenta predstavljaju vrlo bitan faktor kod donošenja odluke o kreditiranju.
Abstract (english)
In this thesis, procedures used by banks upon the assessment of the creditworthiness of clients have been analysed and explained. Theoretical assumptions regarding credit policy and credit risk have been presented, as well as the multiple methods of the assessment of creditworthiness. Furthermore, the entire process of the bank lending has been shown, from the receiving of the loan application form and other documentation to the methods of analysis of financial statements by means of indicators, and the making of the decision on approving or rejecting the loan application. Conclusions were made about the bank using formalized rules and procedures which reduce the risk of granting loans which do not benefit the bank. It was found that the financial indicators form the basis for making a positive or negative decision and that good relations between a bank and a client represent a very important factor when making a decision on lending in the long term.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:228:243314
Study programmeTitle: Business Trade –– professional - professional
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2021-08-23 13:10:29