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Interest rates on deposits in banks in Croatia

Banks are the most important financial institutions in Croatia. They issue loans based on receive deposits from citizens and companies. On the other side, depositors are interested for the interest rates on the deposits in banks. Interest rates on bank deposits in Croatia differ regarding the bank size. Taking this into account small banks usually deal with higher risks and savings interest rates than large banks. All Croatian banks are participating in the deposit insurance system and pay the same premiums in fund of deposit insurance scheme, although the premiums differ according to the bank risk levels. Because the deposit insurance and security protection is fixed at the amount of 100, 000 euro, the deposits are safe no matter in which bank they are deposited. To make small banks in Croatia more attractive to depositors, they give higher interest rates on savings. In this article we aim to analyze deposits interest rates between different banks based on their size.

banks, Croatia, deposit, interest rate

Poglavlje u monografiji za doktorski studij, Fakultet ekonomije i turizma "dr. Mijo Mirković", Pula, Sveučilište Jurja Dobrila u Puli. Ovo istraživanje je sufinanciralo Sveučilište u Rijeci u okviru projekta 13.02.1.2.02 (voditelj prof.dr.sc. H. Blažić)