engleski

Blunder in a Trend Interpretation: The Future of Small Banks in Croatia

Despite of the overall presence of highly concentrated banking industry, it would be superficial and inaccurate to conclude that small banks are counting down their last days. Although they participate in only 8 % of the banking sector’s assets in the Republic of Croatia, they are an inevitable part of regional development and financial support for small and medium-sized enterprises and other financially excluded clients. This research provides descriptive empirical analysis of small banks' position, their relative importance and future development overview in Croatia with recommendation on more active institutional support in building up their capacities in order to enhance market competition.

Small banks; banking system; Croatia; concentration; SWOT analysis.

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