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master's thesis
Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d.
2022. urn:nbn:hr:227:365383
Budimir, Nina
University of Split
University Department for Forensic Sciences

Cite this document

Budimir, N. (2022). Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d. (Master's thesis). Split: University of Split, University Department for Forensic Sciences. Retrieved from https://urn.nsk.hr/urn:nbn:hr:227:365383

Budimir, Nina. "Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d.." Master's thesis, University of Split, University Department for Forensic Sciences, 2022. https://urn.nsk.hr/urn:nbn:hr:227:365383

Budimir, Nina. "Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d.." Master's thesis, University of Split, University Department for Forensic Sciences, 2022. https://urn.nsk.hr/urn:nbn:hr:227:365383

Budimir, N. (2022). 'Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d.', Master's thesis, University of Split, University Department for Forensic Sciences, accessed 20 September 2023, https://urn.nsk.hr/urn:nbn:hr:227:365383

Budimir N. Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d. [Master's thesis]. Split: University of Split, University Department for Forensic Sciences; 2022 [cited 2023 September 20] Available at: https://urn.nsk.hr/urn:nbn:hr:227:365383

N. Budimir, "Utjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d.", Master's thesis, University of Split, University Department for Forensic Sciences, Split, 2022. Available at: https://urn.nsk.hr/urn:nbn:hr:227:365383

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Metadata
TitleUtjecaj COVID-19 pandemije na kvalitetu portfelja banke i njezine operativne rizike - primjer OTP Banke d. d.
Title (english)The impact of the COVID-19 pandemic on the quality of the bank's portfolio and it's operational risks - the example of OTP BANK
AuthorNina Budimir
MentorDamir Piplica (mentor)
Committee memberIvica Filipović (predsjednik povjerenstva)
Committee memberMarijana Bartulović (član povjerenstva)
Committee memberDamir Piplica (član povjerenstva)
GranterUniversity of Split
University Department for Forensic Sciences
Split
Defense date and country2022-09-07, Croatia
Scientific / art field,
discipline and subdiscipline		INTERDISCIPLINARY AREAS OF KNOWLEDGE
Cognitive Science (Natural, Technical, Biomedical and Healthcare, Social and Humanistic Sciences)
Abstract
Pandemija i mjere socijalne distance proizvele su snažni šok za gospodarstvo i društvo u cjelini početkom 2020. godine što je dovelo do neizbježnog povećanja volumena neprihodujućih i restrukturiranih izloženosti banaka uzrokovanih padom ekonomske aktivnosti. Pandemija Covid-19 je utjecala i na znatno povećanje rizika financijskog sustava te su kreditne institucije ušle u krizu s visokim zalihama kapitala i likvidnosti. Analizom financijskih izvještaja utvrđen je utjecaj Covid-19 pandemije na određene stavke financijskih izvještaja OTP banke d.d. te kao i na njihovo kretanje od 2018. do 2021. godine. Provedenom analizom financijskih pokazatelja u istom promatranom razdoblju vidljiv je utjecaj pandemije na odnose u bilanci OTP banke, odnose u računu dobiti i gubitka, pokazatelje profitabilnosti i pokazatelje investiranja. Udio neprihodujućih kredita u ukupnim kreditima je imao značajan porast dolaskom pandemije, a isto tako smanjen je broj nekvalitetnih kredita koji su pokriveni rezerviranjima. OTP banka je redovito pratila i izvještavala o utjecaju pandemije na operativne rizike, ali je u pojedinim segmentima tijekom pandemije došlo do povećane razine tolerancije na rizik, što je uvjetovano promjenom režima rada. Kao reakcija na pandemiju, banka je integrirala poseban slijed poslovanja i aktivirala krizni stožer banke kako bi učinkovito odgovorila na krizu.
Abstract (english)
The pandemic and social distancing measures produced a strong shock to the economy and society as a whole at the beginning of 2020, which led to an inevitable increase in the volume of non-performing and restructured bank exposures caused by the decline in economic activity. The Covid-19 pandemic also had an impact on a significant increase in the risk of the financial system and credit institutions entered the crisis with high capital and liquidity reserves. The analysis of the financial statements determined the impact of the Covid-19 pandemic on certain items of the financial statements of OTP bank d.d. as well as their movement from 2018 to 2021. The analysis of financial indicators in the same observed period shows the impact of the pandemic on OTP bank's balance sheet, profit and loss account, profitability indicators and investment indicators. The share of non-performing loans in total loans had a significant increase with the arrival of the pandemic and the number of non-performing loans covered by provisions also decreased. OTP bank regularly monitored and reported on the impact of the pandemic on operational risk, but in certain segments, during the pandemic, there was an increased level of risk tolerance, which was conditioned by the change in the work regime. In response to the pandemic, the bank implemented a special business continuity plan and activated the bank's crisis headquarters in order to effectively respond to the crisis.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:227:365383
Study programmeTitle: Forensic Sciences
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra forenzike (magistar/magistra forenzike)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2022-10-04 14:21:03