20.500.12556/DKUM-19229 PRIMERJAVA FUNKCIJE ZAKLADNIŠTVA V DOMAČI IN TUJI POSLOVNI BANKI COMPARISON OF TREASURER'S FUNCTION IN HOME AND FOREIGN COMMERCIAL BANK Funkcija in potreba zakladništva v poslovni banki se razlikuje od banke do banke, odvisno od njene velikosti, vrste poslov, ki jih opravlja, in organiziranosti banke. V nekaterih bankah zakladništvo le opravlja transakcije po naročilu drugih operativnih enot, v drugih pa njegove pristojnosti zajemajo skrb za likvidnost banke, upravljanje bilance banke, upravljanje specifičnih tveganj, vzdrževanje odnosov z drugimi bankami, trgovanje v imenu in za račun banke, razvoj novih finančnih instrumentov, upravljanje uradnih cen (obrestnih mer, tarif , ter tečajev) in podobno. Vrsto aktivnosti sektorju zakladništva večini primerov določi uprava banke, ki tudi opredeli v kolikšnem obsegu se bodo te aktivnosti izvajale. V splošnem pogledu, se funkcije zakladništva med izbranimi tujimi in domačimi bankami v tem delu razlikujejo predvsem zaradi različnih trgov in še posebej specifičnosti (teh) posameznih trgov. Manjši trg ne potrebuje večjih ali po drugi strani zelo ozko usmerjenih sektorjev znotraj banke, saj zaradi same majhnosti trga ali tržnega deleža stroški za takšno organizacijo niso upravičeni. Iz tega izhaja posebnost večjega trga, ki že zaradi same zapletenosti in raznolikosti potrebuje ožja ali specializirana področja ali sektorje, ki jim omogoča ustrezno obravnavanje posamezne aktivnosti. V zadnjem času pa se predvsem v (izbranih) tujih bankah opaža trend specializacije tudi v sektorju zakladništva, ki se čedalje bolj posveča trgovanju, razvoju in prodaji zakladniških produktov in tudi svetovanju svojim komitentom. V skladu s tem, so tako sektorji zakladništva naravnani predvsem kot centri dodane vrednosti, saj z naravo svojih poslov, vplivajo na bilanco banke predvsem pozitivno. V nalogi smo tako predstavili splošno (teoretično) opredelitev zakladništva v poslovnih bankah na podlagi domačih in tujih avtorjev. V sklopu izbranih tujih in domačih poslovnih bank, smo nato opredelili in opisali posamezne aktivnosti iz bančne prakse, ter jih med sabo tudi primerjali. Function and need of a treasurer in commercial bank varies from bank to bank. Mostly this is because of differences in size, type of business orientation and organizational structure of a chosen bank. In some commercial banks treasury department is responsible only for transactions ordered form other departments, in some other, its functions are numerous and include managing bank's liquidity, asset and liability management, managing specific risks, maintaining good relations with other banks, trading, developing and selling new products, managing interest rate, fees and exchange rate. The lines of activities for treasury department are issued from bank's senior management, which also determine in what range these activities will be implemented. In general, activities of treasury department in home and foreign commercial banks are different mostly because of an incomparable (banking) market and especially of different specifics in each one. Smaller market does not need vast and really narrow focused departments inside banks, because the costs for such departments and for whole institution are not justified. From that point of view, we could sum up, that for larger markets, because of their complexity and variety, larger and specialized departments or even divisions are basics for appropriate managing of various activities inside a bank. More recently, especially in (chosen) foreign commercial banks, treasury department is more or less specializing in few categories or activities. This so called trend mostly contains trading, developing and selling new products and also advising services for their clients. In addition to that, the majority of all treasury departments inside commercial banks are organized as value added centers, which are gaining assets for banks. In this paper, we have described theoretical definition of a treasury department in commercial banks, based on foreign and home literature descriptions. We have also described each specific activity for each actual bank, from our selection of a (chosen) foreign and home bank, and based on obtained information, we have also done a comparison between them. Ključne besede: zakladništvo poslovna banka zakladnik likvidnost upravljanje bilance banke tveganja trgovanje center dodane vrednosti novi produkti trend. treasury commercial bank treasurer liability and asset management trading new products value added center trend. true true false [M. Logar] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2011-06-28 18:18:58 2011-11-18 09:36:18 2022-04-13 15:12:13 2023-12-25 03:09:50 2011 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 10835740 URN:SI:UM:DK:2GSA2PJG UNI_Logar_Matej_2011.pdf UNI_Logar_Matej_2011.pdf 1 E8A9AEB6D2E282A89115A3F58F0A80F7 8c5a04d940033aa0169dd77b79ee4d091aafc8fa249e671748cf6c271445072d 53352da0-7c05-11eb-bb7a-00155d0001ca 20.500.12556/dkum/74cc835f-89c7-4b41-8954-dd8a03647df3 https://dk.um.si/Dokument.php?lang=slv&id=23170 Ekonomsko-poslovna fakulteta 0 0 0