By publishing monthly analyses, the Croatian Banking Association wishes to contribute to the dissemination of analytical information about financial and economic development in the times of globalisation, and encourage professional discussion of important issues relating to reforms of financial regulations to be carried out before Croatia accedes to the European Union.

The full versions of our analyses are currently available only in Croatian. However, brief summaries written in English, outlining the direction of each analyses 'can be found on the link below

In time, we hope to be able to offer the full versions in English, as well.

CBA Analysis no. 35, December 2011 - Regulation, costs and profit of banks: A reversal in sight?

CBA Anylisis no. 34, November 2011  - When countries go bankrupt: building a new financial stability architecture of the Eurozone

CBA Analysis no. 32-33, September 2011 - Bank activity and profitability - first signs of growth

CBA Analysis no. 31, July 2011 - Fiscal policy and interest rates: Budget in red

CBA Analysis no. 27, October 2010 -Towards new financial regulation: What this will mean for banks in Croatia

CBA Analysis no. 25-26, September 2010 - Profitability of banks and credit:How banks dampened the crisis 2008-2010

CBA Analysis no. 24, June 2010 - Sustainable Fiscal Policy And Public Debt: Never Again As It Used To Be

CBA Analysis no. 22, March 2010 - Small and Medium Size Enterprises Funding In Crisis: Between Wishes And Possibilities

CBA Analysis no. 20, October 2009 - Development of Banking in Croatia: Years of Maturing Through International Integration 1999-2009

CBA Analysis no. 19, September 2009 - Bank Profitability in Croatia: How to Estimate the Fall?

CBA Analysis no. 18, May 2009 - Interest Rates in The Time of Crisis: Where is Croatia Compared to Eurozone?

CBA Analysis no. 17, March 2009 - Monetary Transmission: It All Starts and Ends With Banks

CBA Analysis no. 16, February 2009 - Advisers were Right: Fiscal Adjustment May Mitigate the Crisis

CBA Analysis no. 15, December 2008 - Regulatory Cost (IRO) and Cost of Funds Index (COFI): What Does the Crisis Bring

CBA Analysis no. 14, October 2008 - "Big" and "Small" Permanent Effects of Problems in European Banks on Small European Periphery Countries

CBA Analysis no. 13, September 2008 - Banking Profitability in Croatia: The Fall Continues

CBA Analysis no. 12, July 2008 - "Subprime" Crisis and Financial Regulation Doubts: Where is The Difference Between Global and Local Effects?

CBA Analysis no. 11, June 2008 - Interest Rate Growth: Where is Croatia Compared to Europe in Times of Crisis?

CBA Analysis no. 10, March 2008 - Why Interest Rates Grow: What Does Costs of Funds Index (COFI) Show? 

CBA Analysis no. 9, February 2008 - Loans and Economic Growth: From Theory to Reality

CBA Analysis no. 8, December 2007 - Croatian Banking System stability: Where Does the Risk Hide?

CBA Analysis no. 7, November 2007 -External Debt: Where Caution Ends Fear Begins

CBA Analysis no. 6, October 2007 - Value Creation in Banking

CBA Analysis no. 5, September 2007 - Capital Inflows, Credit Growth and Restrictions: Regulatory Costs and Regulatory Distortions

CBA Analysis no. 4, August 2007 - Deposit Rates and Deposit Insurance: Who is Paying the Cost of Regulations?

CBA Analysis no. 3, July 2007 -Bank Profitability in Croatia: Between Myth and Reality

CBA Analysis no. 2, June 2007 -Concentration in Banking: On the Complexity of the Relationship between Concentration and Competition in Europe

CBA Analysis no. 1, May 2007 - Interest Rates Entering Europe: A Comparison of Lending Interest Rates in Croatia and the Eurozone