Sažetak

Kroz ovaj rad čitaoci će biti u prilici da se upoznaju sa kreditnom politikom banaka, i bankarskim alatima koje banke koriste u svakodnevnoj praksi. Analizom je obuhvaćen bankarski sektor u Srbiji za period od 2003. do 2015. godine. Na bazi raspoloživih podataka Narodne banke Srbije prikazane su performanse 27 banaka koje su kontinuirano poslovale u srpskoj ekonomiji, i neke od detrminanti njihove profitabilnosti. Takođe, analizirana je profitabilnost pojedinih banaka unutar, i van granica Srbije. Stoga, osnovu rada čini analiza profitabilnosti bankarskog sektora. Poseban akcent stavljen je na analizu uticaja indeksacije kredita u Srbiji, i primenu valutne klauzule u kreditnim poslovima, kao i efekte njene primene na obe strane, banku i stanovništvo. Analizirana su dva rešenja problema valutne (devizne) klauzule, jedno primenjeno u praksi, u Mađarskoj, i drugo, teorijsko razmatranje pravednosti i pravičnosti valutne (devizne) klauzule.

Ključne reči: bankarski sektor, indeksacija, valutna klauzula JEL Klasifikacija: E42, E43, E51, E52, E58
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Summary

This paper follows the profitability of banks in the Serbian market, the countries in the region and the market of Russia. The emphasis is put on the economic and legal similarities and differences in the mentioned markets. The banking sector in Serbia is observed during the period from 2003 to 2015 years. On the basis of available data of the National bank of Serbia (NBS), the performances of 27 banks that have continuously operated in the economy of Serbia are presented, as well as some of the determinants of their profitability. Also, the profitability of some banks inside and outside the borders of Serbia was analysed. So, the basis of this study is the analysis of the profitability of the banking sector. A special emphasis was put on the analysis and the usage of currency clause in credit operations in Serbia and the countries covered by this analysis, as well as the effects of its usage on both the bank and the population. Two solutions for the problem of the currency clause were analysed; one applied in practice in Hungary and the other, theoretical consideration of righteousness and equity of currency clause.

Keywords: Banking Sector, Indexation, Currency Clause JEL Classification: E42, E43, E51, E52, E58
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