Bankarstvo Trece Predavanje (1)

7/25/2019 Bankarstvo Trece Predavanje (1)

1/27

3. MEHANIZMI REGULISANJA3. MEHANIZMI REGULISANJA

KOLIINE NOVCA U OPTICAJUKOLIINE NOVCA U OPTICAJU


2/27

3.1. OPERACIJE NA OTVORENOM3.1. OPERACIJE NA OTVORENOMTRITU I POLITIKA ESKONTNE STOPETRITU I POLITIKA ESKONTNE STOPE Politika operacija na otvorenom trituPolitika o

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Politika eskontne stopePolitika eskontne sto

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3/27

3.9. MEHANIZAM I IZ:VAJANJE3.9. MEHANIZAM I IZ:VAJANJEO;AVEZNE REZERVEO;AVEZNE REZERVE

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4/27

3.3. KRE:ITI CENTRALNE ;ANKE I3.3. KRE:ITI CENTRALNE ;ANKE IOGRANIENJA PLASMANA ;ANKEOGRANIENJA PLASMANA ;ANKE

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Centralna banka najee refnansira poslovnim bankamaCentralna banka najee refnansira poslovnim bankamasledee vrste kredita:sledee vrste kredita:

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5/27

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6/27

3.@. KUPOVINA I PRO:AJA :EVIZA I3.@. KUPOVINA I PRO:AJA :EVIZA I:EVIZNE REZERVE:EVIZNE REZERVE

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7/27

S!"*%e de#)*)+ reer#) !re" d" (d4(#"r" ()-'S!"*%e de#)*)+ reer#) !re" d" (d4(#"r" ()-'pr)-"r*e e-))%e *(#0" &(%) %e )#r/)$" 0e*!r"$*"pr)-"r*e e-))%e *(#0" &(%) %e )#r/)$" 0e*!r"$*""*&". Ce*!r"$*" "*&" )*!er#e*)/e *" de#)*(-"*&". Ce*!r"$*" "*&" )*!er#e*)/e *" de#)*(-

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8/27

@. MONETARNA I KRE:ITNA@. MONETARNA I KRE:ITNAMULTIPLIKACIJA NOVCAMULTIPLIKACIJA NOVCA

Z" -'$!)p$)&"0)%' %e &"r"&!er)!)2*( d" pre&( *%e Ce*!r"$*" "*&"Z" -'$!)p$)&"0)%' %e &"r"&!er)!)2*( d" pre&( *%e Ce*!r"$*" "*&"re4'$)/e e-))(*) &red)!*) (p!e*0)%"$ p($(#*)+ "*"&". Kred)!*"re4'$)/e e-))(*) &red)!*) (p!e*0)%"$ p($(#*)+ "*"&". Kred)!*"-(*e!"r*" -'$!)p$)&"0)%" pred!"#$%" p((*(! p($(#*)+ "*"&" d"-(*e!"r*" -'$!)p$)&"0)%" pred!"#$%" p((*(! p($(#*)+ "*"&" d"'-*("#"%' &($)2)*' *(#0" &(%' ' pr)-)$e (d 0e*!r"$*e "*&e. Kred)!*)'-*("#"%' &($)2)*' *(#0" &(%' ' pr)-)$e (d 0e*!r"$*e "*&e. Kred)!*)) -(*e!"r*) -'$!)p$)&"!(r) e -(4' )r"2'*"!) *" $ede7) *"2)*?) -(*e!"r*) -'$!)p$)&"!(r) e -(4' )r"2'*"!) *" $ede7) *"2)*?

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9/27

Kreditni multiplikatorKreditni multiplikator"#)) (d #)/e 5"&!(r"?"#)) (d #)/e 5"&!(r"? 1. !(pe ("#e*e reer#e61. !(pe ("#e*e reer#e6

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10/27

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11/27

Monetarna multiplikacijaMonetarna multiplikacijae -(e )r"2'*"!) de&(-p(*(#"*%e-e -(e )r"2'*"!) de&(-p(*(#"*%e-pr)-"r*(4 *(#0" *"?pr)-"r*(4 *(#0" *"?

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12/27

. INANSIJSKI I KRE:ITNI POTENCIJAL. INANSIJSKI I KRE:ITNI POTENCIJAL;ANKE;ANKE

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13/27

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14/27

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15/27

TREI :EOTREI :EOSTRATEGIJA ORGANIZACIONIHSTRATEGIJA ORGANIZACIONIH

PERORMANSI ;ANKEPERORMANSI ;ANKE


16/27

ZAKONSKA REGULATIVAZAKONSKA REGULATIVAOSNIVANJA POSLOVNE ;ANKEOSNIVANJA POSLOVNE ;ANKE


17/27

@. KONCEPT STRATEKOG PLANIRANJA@. KONCEPT STRATEKOG PLANIRANJAU ;ANCIU ;ANCI

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18/27

Cilj svako strateko planiranjaCilj svako strateko planiranja!re" d" e (d*() *" pr"#0e!re" d" e (d*() *" pr"#0e

pre!r'&!'r)r"*%" )$"**)+ p()0)%" ' "&!)#) ) p")#) "*&e.pre!r'&!'r)r"*%" )$"**)+ p()0)%" ' "&!)#) ) p")#) "*&e.Pr(-e*" p(!(%e7e &(*,4'r"0)%e )$"*" !"*%" "*&e !re" d"Pr(-e*" p(!(%e7e &(*,4'r"0)%e )$"*" !"*%" "*&e !re" d"'!)2e *" e$)-)*)"*%e &(*!"-)*)-r"*)+ de$(#" "&!)#e ) #)(&''!)2e *" e$)-)*)"*%e &(*!"-)*)-r"*)+ de$(#" "&!)#e ) #)(&'"#)*(! p")#e (d !'


19/27

Kreiranje vizije bankeKreiranje vizije banke6 (d*() e *" de,*)"*%e d"$%e4 r"#(%" "*&e. V))%'6 (d*() e *" de,*)"*%e d"$%e4 r"#(%" "*&e. V))%'r"#(%" "*&e -(4'7e %e pr"#)$*( &re)r"!)6 "-( "&( e )#r/) !"2*" "*"$)"r"#(%" "*&e -(4'7e %e pr"#)$*( &re)r"!)6 "-( "&( e )#r/) !"2*" "*"$)"!re*'!*e p()0)%e "*&e *" ,*"*)%&(- !r)/!'. P($(#*" "*&" e -(r"!re*'!*e p()0)%e "*&e *" ,*"*)%&(- !r)/!'. P($(#*" "*&" e -(r"'p(red)!) " &(*&'re*!&)- "*&"-" *" (dre6"*&"r&)+ pr()#(d">6

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20/27

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21/27

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"&0)(*"r&) &"p)!"$."&0)(*"r&) &"p)!"$.

S!r"!e/&" p(r'&" e -(e (d*()!)6 *" "$)!e!*( pr'"*%e '$'4"S!r"!e/&" p(r'&" e -(e (d*()!)6 *" "$)!e!*( pr'"*%e '$'4"p'!e- /)r(&e p"$e!e "*&"r&)+ pr()#(d" #)- &$)%e*!)-" )$) "-(p'!e- /)r(&e p"$e!e "*&"r&)+ pr()#(d" #)- &$)%e*!)-" )$) "-(0)$%*(% 4r'p) &$)%e*"!" "*&e. S!r"!e4)%" "*&e !re" d" e (d*() ) *"0)$%*(% 4r'p) &$)%e*"!" "*&e. S!r"!e4)%" "*&e !re" d" e (d*() ) *"d"$%' r"r"d' r"#(%*e #))%e "*&e6 ' 0)$%' *%e*e d($ed*e ) &(*&re!*ed"$%' r"r"d' r"#(%*e #))%e "*&e6 ' 0)$%' *%e*e d($ed*e ) &(*&re!*epr)-e*e.pr)-e*e.


22/27

Stretegija poslovne bankeStretegija poslovne banke-(e )!) '-ere*" *"?-(e )!) '-ere*" *"?

1. pe*"!r"0)%' !r)/!" =p($(#*" "*&" d')*&) r"#)%"1. pe*"!r"0)%' !r)/!" =p($(#*" "*&" d')*&) r"#)%"p(!(%e7e ,*"*)%&( !r)/!e6 &"( ) !r'&!'r' #(%)+ '$(4" *"p(!(%e7e ,*"*)%&( !r)/!e6 &"( ) !r'&!'r' #(%)+ '$(4" *"d(!)2*(- !r)/!'>6d(!)2*(- !r)/!'>6

9. pr(!(r*( 4e(4r"5&( (#"%"*%e *(#)+ !r)/!" ="*&" (!#"r"9. pr(!(r*( 4e(4r"5&( (#"%"*%e *(#)+ !r)/!" ="*&" (!#"r",$)%"$e6 p($(#*e %ed)*)0e e&p()!'re6 pr)d()%" *(#e &$)%e*!e,$)%"$e6 p($(#*e %ed)*)0e e&p()!'re6 pr)d()%" *(#e &$)%e*!e' *'6

3. p$")r"*%e *(#)+ "*&"r&)+ pr()#(d" *" p(!(%e7e- )3. p$")r"*%e *(#)+ "*&"r&)+ pr()#(d" *" p(!(%e7e- )*(#(- ,*"*)%&(- !r)/!'6 )$) "-( *" p(!(%e7e-6*(#(- ,*"*)%&(- !r)/!'6 )$) "-( *" p(!(%e7e-6(d*(*( "-( *" *(#(- ,*"*)%&(- !r)/!' =()2*( e(d*(*( "-( *" *(#(- ,*"*)%&(- !r)/!' =()2*( e"dr"#"%' p(!(%e7) pr()#(d) &(%) ' pr(#ere*) &(d /)re4"dr"#"%' p(!(%e7) pr()#(d) &(%) ' pr(#ere*) &(d /)re4&r'4" &$)%e*"!">6&r'4" &$)%e*"!">6

@. d)#er),&"0)%' =pr(/)re*%e> ,*"*)%&(4 !r)/!" '@. d)#er),&"0)%' =pr(/)re*%e> ,*"*)%&(4 !r)/!" 'd)#er),&"0)%' *(#)+ pr()#(d" ="*&" e pr(/)r'%e *" *(#ed)#er),&"0)%' *(#)+ pr()#(d" ="*&" e pr(/)r'%e *" *(#e

!r)/*e e4-e*!e ) )!(#re-e*( '#(d) *(#e "*&"r&e!r)/*e e4-e*!e ) )!(#re-e*( '#(d) *(#e "*&"r&epr()#(de ) '$'4e>6pr()#(de ) '$'4e>6. pe*e!r"0)%' p(!(%e7e4 !r)/!"6 ' d)#er),&"0)%' *(#)+. pe*e!r"0)%' p(!(%e7e4 !r)/!"6 ' d)#er),&"0)%' *(#)+

!r)/!" ) *(#)+ "*&"r&)+ pr()#(d" ="*&" &(-p$e&*(!r)/!" ) *(#)+ "*&"r&)+ pr()#(d" ="*&" &(-p$e&*('2#r/7'%e #(%' p()0)%' *" p(!(%e7e- !r)/!' ) (#"%" *(#"'2#r/7'%e #(%' p()0)%' *" p(!(%e7e- !r)/!' ) (#"%" *(#"!r)/!" " *(#)- "*&"r&)- pr()#(d)-">.!r)/!" " *(#)- "*&"r&)- pr()#(d)-">.


23/27

;"*&" !re" d" e ' #(%(% !r"!e4)%) (prede$) " %ed"* (d ($)&";"*&" !re" d" e ' #(%(% !r"!e4)%) (prede$) " %ed"* (d ($)&"re"$)"0)%e #(%e r"#(%*e ))%e. R"#(%*' #))%' !r"!e/&) !re"re"$)"0)%e #(%e r"#(%*e ))%e. R"#(%*' #))%' !r"!e/&) !re"p(!"#)!) *" #re-e*&) per)(d (d 3 d( 4(d)*". T(p -e*"d-e*!6p(!"#)!) *" #re-e*&) per)(d (d 3 d( 4(d)*". T(p -e*"d-e*!6pr) d(*(/e*%' (d$'&"6 *"%2e/7e pr"#) 4re/&' &"d" e (prede$%'%e? d"pr) d(*(/e*%' (d$'&"6 *"%2e/7e pr"#) 4re/&' &"d" e (prede$%'%e? d"(d #e4" p( -"$( '&$%'2) ' #(%' r"#(%*' #))%' !r"!e4)%&) p$"*. U(d #e4" p( -"$( '&$%'2) ' #(%' r"#(%*' #))%' !r"!e4)%&) p$"*. U!")- $'2"%e#)-"6 p($(#*" "*&" prep'/!" &(*&'re*0)%) d')*&(!")- $'2"%e#)-"6 p($(#*" "*&" prep'/!" &(*&'re*0)%) d')*&(e4-e*!)r"*%e p(!(%e7e4 ,*"*)%&(4 !r)/!"6 *e '#(d) #e -(4'7ee4-e*!)r"*%e p(!(%e7e4 ,*"*)%&(4 !r)/!"6 *e '#(d) #e -(4'7e"*&"r&e pr()#(de *" !r)/!e *" )!) "$)!e!"* *"2)*6 ' '#)/*("*&"r&e pr()#(de *" !r)/!e *" )!) "$)!e!"* *"2)*6 ' '#)/*(/)re*%e -ree ) #(%e p($(#*e "&!)#*(!). T"e p($(#*e "*&e *)'/)re*%e -ree ) #(%e p($(#*e "&!)#*(!). T"e p($(#*e "*&e *)'*) ' %ed*(- e4-e*!' &(*&'re*!*)%e (d #(%)+ *"%$))+*) ' %ed*(- e4-e*!' &(*&'re*!*)%e (d #(%)+ *"%$))+&(*&'re*!&)+ "*"&". R")p"*%e- ,*"*)%&(4 p(!e*0)%"$"6&(*&'re*!&)+ "*"&". R")p"*%e- ,*"*)%&(4 p(!e*0)%"$"6

r"p$)*%'%e e #))%" r"#(%" "*&e6 !e (*" (!"#$%" ' #(- )-)d'r"p$)*%'%e e #))%" r"#(%" "*&e6 !e (*" (!"#$%" ' #(- )-)d'$ed' ) *ed(re2e*' $)&' ( e)6 &(d /)re4 &r'4" &$)%e*"!".$ed' ) *ed(re2e*' $)&' ( e)6 &(d /)re4 &r'4" &$)%e*"!". S!r"!e4)%&) p$"* "*&e !re" d" !"#) ' 5(&' #(4 r"'-"!r"*%"6S!r"!e4)%&) p$"* "*&e !re" d" !"#) ' 5(&' #(4 r"'-"!r"*%"6

pred)p()0)%' "*&e " (!#"r)#"*%e *%e*e r"#(%*e #))%e. N"4$""&pred)p()0)%' "*&e " (!#"r)#"*%e *%e*e r"#(%*e #))%e. N"4$""&!re" !"#)!) *" (dre


24/27

Razrada akcionog programaRazrada akcionog programap($(#*e "*&e pred!"#$%" re"$)"0)%'p($(#*e "*&e pred!"#$%" re"$)"0)%'!r"!e4)%e r"#(%" "*&e. A&0)(*)- pr(4r"-(- "*&e !re" p(#e"!)!r"!e4)%e r"#(%" "*&e. A&0)(*)- pr(4r"-(- "*&e !re" p(#e"!)"d"/*%e ) 'd'7e =pr(%e&!(#"*e> p()0)%e "*&e. R"r"d' "&0)(*(4"d"/*%e ) 'd'7e =pr(%e&!(#"*e> p()0)%e "*&e. R"r"d' "&0)(*(4pr(4r"-" "*&e6 !re" d" pr(#(d) pr(%e&!*) !)- =p(*"#"(0) !r)/!" )pr(4r"-" "*&e6 !re" d" pr(#(d) pr(%e&!*) !)- =p(*"#"(0) !r)/!" )"*&"r&)+ pr()#(d">6 &(%) %e ' ("#e) d" pr(4r"- d(!"#) *" '#)d"*&"r&)+ pr()#(d">6 &(%) %e ' ("#e) d" pr(4r"- d(!"#) *" '#)d!(p -e*"d-e*!' "*&e. Pr)+#"!"*%e- "&0)(*(4 pr(4r"-" "*&e!(p -e*"d-e*!' "*&e. Pr)+#"!"*%e- "&0)(*(4 pr(4r"-" "*&e(d !r"*e !(p -e*"d-e*!" ) *"%#)/e4 'pr"#*(4 (r4"*" "*&e6 (*(d !r"*e !(p -e*"d-e*!" ) *"%#)/e4 'pr"#*(4 (r4"*" "*&e6 (*p(!"%e ("#e'%'7) " #e "p($e*e ' p($(#*(% "*0).p(!"%e ("#e'%'7) " #e "p($e*e ' p($(#*(% "*0).

*vaki akcioni proram poslovne banke% treba da prui podatke*vaki akcioni proram poslovne banke% treba da prui podatke#"+OP,K'$ o#"+OP,K'$ o? Tr(/&(#)-" "*&e6 O($%' =&"dr(#)-"> "*&e6? Tr(/&(#)-" "*&e6 O($%' =&"dr(#)-"> "*&e6Pr()#(d)-" "*&e6 I*5(r-"0)(*(- )!e-' "*&e ) K#"$)!e!' '$'4"Pr()#(d)-" "*&e6 I*5(r-"0)(*(- )!e-' "*&e ) K#"$)!e!' '$'4""*&e."*&e.

Tr(/&(#e "*&e !re" p(-"!r"!) " 'pr"#$%"2&(4 "pe&!" *%)+(#eTr(/&(#e "*&e !re" p(-"!r"!) " 'pr"#$%"2&(4 "pe&!" *%)+(#e&(*!r($e ) '"#"*%". A&0)(*)- pr(4r"-(- e de,*)/' re$"0)%e )-e


25/27

. STRATEGIJA UPRAVLJANJA. STRATEGIJA UPRAVLJANJAPORTELJOM ;ANKEPORTELJOM ;ANKE

S!r'&!'r" "*&"r&(4 p(r!5e$%" p(2)#" *" (p/!(% !e(r)%) !r"*%e 'S!r'&!'r" "*&"r&(4 p(r!5e$%" p(2)#" *" (p/!(% !e(r)%) !r"*%e '()r' "&!)#e )$"*" !"*%" p($(#*e "*&e. I*#e!)0)(*) p(r!5e$%()r' "&!)#e )$"*" !"*%" p($(#*e "*&e. I*#e!)0)(*) p(r!5e$%' "&!)#) p($(#*e "*&e -(e e "*"$))r"!) " "pe&!"? =1>' "&!)#) p($(#*e "*&e -(e e "*"$))r"!) " "pe&!"? =1>"$)!e!" p(r!5e$%"6 =9> 4r"*&e d)#er),&"0)%e p(r!5e$%"6 =3> r(2*e"$)!e!" p(r!5e$%"6 =9> 4r"*&e d)#er),&"0)%e p(r!5e$%"6 =3> r(2*e!r'&!'re p(r!5e$%" ) 4e(4r"5&e r"'. K#"$)!e!*)-+"r!)%"-" (d #red*(!) e -"!r"%' (*e +"r!)%e (d #red*(!) &(d+"r!)%"-" (d #red*(!) e -"!r"%' (*e +"r!)%e (d #red*(!) &(d&(%)+ e *e p(!"#$%" p)!"*%e )#r/e*%" '4(#(re*)+ ("#e" '&(%)+ e *e p(!"#$%" p)!"*%e )#r/e*%" '4(#(re*)+ ("#e" '

-(-e*!' *%)+(#(4 d(pe7". U p(r!5e$%' )$"*" p($(#*e "*&e-(-e*!' *%)+(#(4 d(pe7". U p(r!5e$%' )$"*" p($(#*e "*&e%e *'*( e$e&!)r"!)6%e *'*( e$e&!)r"!)6 kvalitetne (artije od vrednosti i nekvalitetne (artije od vrednosti i nekvalitetne (artije od vrednostikvalitetne (artije od vrednosti.. Kvalitetnim (artijama odKvalitetnim (artijama odvrednostivrednosti-"!r"%' e dr"#*e +"r!)%e (d #red*(!). O*e e-"!r"%' e dr"#*e +"r!)%e (d #red*(!). O*e epr(d"%' ' *)' &"-"!*' !(p'6 *(e " ((- -"*%' !(p'pr(d"%' ' *)' &"-"!*' !(p'6 *(e " ((- -"*%' !(p'pr)*(" ) )-"%' *)) !epe* r))&".pr)*(" ) )-"%' *)) !epe* r))&". -ekvalitetnim (artijama od-ekvalitetnim (artijama odvrednostivrednosti6 (d*(*( -"*%e "$)!e!*)-6 -"!r"%' e +"r!)%e (d6 (d*(*( -"*%e "$)!e!*)-6 -"!r"%' e +"r!)%e (d

#red*(!) &(%e ' e-)!(#"$e p($(#*e &(-p"*)%e. O*e " ((-#red*(!) &(%e ' e-)!(#"$e p($(#*e &(-p"*)%e. O*e " ((-*(e #e7) !epe* r))&"6 p(!e*0)%"$*) 4')!"& ) *'de e *" !r)/!'*(e #e7) !epe* r))&"6 p(!e*0)%"$*) 4')!"& ) *'de e *" !r)/!'p( *"dpr(e2*)- &"-"!*)- !(p"-". Me


26/27

Granskom diverzikacijomGranskom diverzikacijom+"r!)%" (d #red*(!) #r/) e red'&0)%"+"r!)%" (d #red*(!) #r/) e red'&0)%"p(!e*0)%"$*(4 r))&". U&($)&(6 ' p(r!5e$%' "*&e d(-)*)r"%' +"r!)%ep(!e*0)%"$*(4 r))&". U&($)&(6 ' p(r!5e$%' "*&e d(-)*)r"%' +"r!)%e(d #red*(!) "-( ) %ed*e pr)#red*e 4r"*e )$) de$"!*(!)6 !"d"(d #red*(!) "-( ) %ed*e pr)#red*e 4r"*e )$) de$"!*(!)6 !"d"p(!(%) p(!e*0)%"$*" (p"*(! (d r))&" &(%) -(e *"!"!) ' d(!)2*(%p(!(%) p(!e*0)%"$*" (p"*(! (d r))&" &(%) -(e *"!"!) ' d(!)2*(%4r"*) =&(*%'&!'r*e pr(-e*e> ) ' (dre


27/27

Me*"d-e*! "*&e e -(e (prede$)!) " p")#*' )$) ")!*'Me*"d-e*! "*&e e -(e (prede$)!) " p")#*' )$) ")!*'p($)!)&' &(-p$e&*(4 p(r!5e$%".p($)!)&' &(-p$e&*(4 p(r!5e$%".

Pasivna politika kompleksno port.eljaPasivna politika kompleksno port.elja' "*0)6 p(dr"'-e#"' "*0)6 p(dr"'-e#"&'p(#)*' ) dr"*%e p(r!5($)( !r'&!'re #e d( r(&" d(pe7" #)+&'p(#)*' ) dr"*%e p(r!5($)( !r'&!'re #e d( r(&" d(pe7" #)+!)p(#" ) ($)&" +"r!)%" (d #red*(!). O*" (prede$%'%e "*&' d" *e!)p(#" ) ($)&" +"r!)%" (d #red*(!). O*" (prede$%'%e "*&' d" *e(2e&'%e d()! ) !e&'7)+ !r"*"&0)%" *" ,*"*)%&(- !r)/!'6 *e4((2e&'%e d()! ) !e&'7)+ !r"*"&0)%" *" ,*"*)%&(- !r)/!'6 *e4((d4(#"r"%'7) pr)*( *"d pre'e!)- !epe*(- r))&" +"r!)%" (d(d4(#"r"%'7) pr)*( *"d pre'e!)- !epe*(- r))&" +"r!)%" (d#red*(!).#red*(!).

P(r!5($)( r))& )r""#" e &(e,0)%e*!(- e!" &(%) pred!"#$%"P(r!5($)( r))& )r""#" e &(e,0)%e*!(- e!" &(%) pred!"#$%"(d*( )-e

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