Upravljanje rizikom likvidnosti banke

Likvidnost bankovnog sektora proučava se kod banka koje posluju na području Bosne i Hercegovine u razdoblju od 2010. do 2014. godine. Temeljni cilj ovog rada jeste istražiti značaj likvidnosti u poslovanju bankovnog sektora te analizirati likvidnost banaka u Bosni i Hercegovinu, posebno Hypo-Alpe-Adria-Bank d.d. te traženje načina kvalitetnijeg upravljanja rizikom likvidnosti. Dok cjelokupni bankovni sektor u promatranom razdoblju bilježi rast ukupnih depozita, Hypo Alpe-Adira-Bank d.d. u promatranom razdoblju suočen je sa kontinuiranom padom depozita. U radu se identificiraju faktori koji su utjecali na smanjenje ukupnih depozita kod Hypo Alpe-Adria-Bank d.d. Mostar i ocjena poduzetih mjera u cilju saniranja poteškoća uzrokovanim kontinuiranim opadanjem štednje klijenata, odnosno primarnih depozita. Istraživanje je utemeljeno na godišnjim izvješćima komercijalnih banaka i javno dostupnim podatcima koje objavljuju Centralna banka Bosne i Hercegovine i entitetske agencije za bankarstvo. Rezultati istraživanja pokazuju da su poduzete mjere dale rezultate i da identificiranjem indikatora ranog upozorenja i primjenom instrumenata može se uspješno upravljati rizikom likvidnosti u Banci.Liquidity in the banking sector is analyzed at a banks operating in the territory of Bosnia and Herzegovina in the period from 2010 to 2014. The basic aim of this study is to determine the importance of liquidity in the operations of the banking sector and to analyze the liquidity of banks in Bosnia and Herzegovina, especially Hypo-Alpe-Adria-Bank d.d. and seeking ways to improve liquidity risk management. While the overall banking sector recorded growth in total deposits in the observed period, Hypo Alpe-Adira-Bank d.d. in the observed period recorded a continuous decline of total deposits. The paper identifies factors that have affected the reduction of total deposits at Hypo Alpe-Adria-Bank d.d. Mostar and the assessment of measures taken in order to remedy the difficulties caused by the continuous decline in client savings. The research is based on the annual reports of commercial banks and publicly available data published by the Central Bank of Bosnia and Herzegovina and entity banking agencies. The research results show that the measures taken have yielded results and that identifying the early warning indicators and applying the instruments can successfully manage the liquidity risk in the Bank

Upravljanje rizikom likvidnosti banke

Likvidnost bankovnog sektora proučava se kod banka koje posluju na području Bosne i Hercegovine u razdoblju od 2010. do 2014. godine. Temeljni cilj ovog rada jeste istražiti značaj likvidnosti u poslovanju bankovnog sektora te analizirati likvidnost banaka u Bosni i Hercegovinu, posebno Hypo-Alpe-Adria-Bank d.d. te traženje načina kvalitetnijeg upravljanja rizikom likvidnosti. Dok cjelokupni bankovni sektor u promatranom razdoblju bilježi rast ukupnih depozita, Hypo Alpe-Adira-Bank d.d. u promatranom razdoblju suočen je sa kontinuiranom padom depozita. U radu se identificiraju faktori koji su utjecali na smanjenje ukupnih depozita kod Hypo Alpe-Adria-Bank d.d. Mostar i ocjena poduzetih mjera u cilju saniranja poteškoća uzrokovanim kontinuiranim opadanjem štednje klijenata, odnosno primarnih depozita. Istraživanje je utemeljeno na godišnjim izvješćima komercijalnih banaka i javno dostupnim podatcima koje objavljuju Centralna banka Bosne i Hercegovine i entitetske agencije za bankarstvo. Rezultati istraživanja pokazuju da su poduzete mjere dale rezultate i da identificiranjem indikatora ranog upozorenja i primjenom instrumenata može se uspješno upravljati rizikom likvidnosti u Banci.Liquidity in the banking sector is analyzed at a banks operating in the territory of Bosnia and Herzegovina in the period from 2010 to 2014. The basic aim of this study is to determine the importance of liquidity in the operations of the banking sector and to analyze the liquidity of banks in Bosnia and Herzegovina, especially Hypo-Alpe-Adria-Bank d.d. and seeking ways to improve liquidity risk management. While the overall banking sector recorded growth in total deposits in the observed period, Hypo Alpe-Adira-Bank d.d. in the observed period recorded a continuous decline of total deposits. The paper identifies factors that have affected the reduction of total deposits at Hypo Alpe-Adria-Bank d.d. Mostar and the assessment of measures taken in order to remedy the difficulties caused by the continuous decline in client savings. The research is based on the annual reports of commercial banks and publicly available data published by the Central Bank of Bosnia and Herzegovina and entity banking agencies. The research results show that the measures taken have yielded results and that identifying the early warning indicators and applying the instruments can successfully manage the liquidity risk in the Bank

Upravljanje rizikom likvidnosti banke

Likvidnost bankovnog sektora proučava se kod banka koje posluju na području Bosne i Hercegovine u razdoblju od 2010. do 2014. godine. Temeljni cilj ovog rada jeste istražiti značaj likvidnosti u poslovanju bankovnog sektora te analizirati likvidnost banaka u Bosni i Hercegovinu, posebno Hypo-Alpe-Adria-Bank d.d. te traženje načina kvalitetnijeg upravljanja rizikom likvidnosti. Dok cjelokupni bankovni sektor u promatranom razdoblju bilježi rast ukupnih depozita, Hypo Alpe-Adira-Bank d.d. u promatranom razdoblju suočen je sa kontinuiranom padom depozita. U radu se identificiraju faktori koji su utjecali na smanjenje ukupnih depozita kod Hypo Alpe-Adria-Bank d.d. Mostar i ocjena poduzetih mjera u cilju saniranja poteškoća uzrokovanim kontinuiranim opadanjem štednje klijenata, odnosno primarnih depozita. Istraživanje je utemeljeno na godišnjim izvješćima komercijalnih banaka i javno dostupnim podatcima koje objavljuju Centralna banka Bosne i Hercegovine i entitetske agencije za bankarstvo. Rezultati istraživanja pokazuju da su poduzete mjere dale rezultate i da identificiranjem indikatora ranog upozorenja i primjenom instrumenata može se uspješno upravljati rizikom likvidnosti u Banci.Liquidity in the banking sector is analyzed at a banks operating in the territory of Bosnia and Herzegovina in the period from 2010 to 2014. The basic aim of this study is to determine the importance of liquidity in the operations of the banking sector and to analyze the liquidity of banks in Bosnia and Herzegovina, especially Hypo-Alpe-Adria-Bank d.d. and seeking ways to improve liquidity risk management. While the overall banking sector recorded growth in total deposits in the observed period, Hypo Alpe-Adira-Bank d.d. in the observed period recorded a continuous decline of total deposits. The paper identifies factors that have affected the reduction of total deposits at Hypo Alpe-Adria-Bank d.d. Mostar and the assessment of measures taken in order to remedy the difficulties caused by the continuous decline in client savings. The research is based on the annual reports of commercial banks and publicly available data published by the Central Bank of Bosnia and Herzegovina and entity banking agencies. The research results show that the measures taken have yielded results and that identifying the early warning indicators and applying the instruments can successfully manage the liquidity risk in the Bank

Sex or Surgery – Erectile Dysfunction after Radical Treatment of Localized Prostate Cancer

The maintenance of satisfactory quality of life is major concern in majority of patients who elect treatment for localized prostate cancer. We conducted a cross-sectional study to determine sexual function after radical prostatectomy (RP) and external beam radiotherapy (EBRT). Study population consisted of series of 57 patients with early-stage adenocarcinoma of the prostate, treated in our institution in the period from January 2003 till December 2003. Thirty three patients underwent radical retropubical prostatectomy and 24 patients were treated by primary radical radiotherapy. Patients have been given the full international index of erectile function (IIEF) questionnaire two to four and six months after the treatment. Post treatment sexual function in patients treated by EBRT is significantly better than in patients treated by RP (48,5% vs. 21.57%, p<0,0001). Subgroup analysis reveals that satisfaction with erectile function, maintaining of sexual intercourse and possibility of ejaculation is better in patients treated by EBRT than in patients treated by RP (44.67% vs. 11.57%, p <0,0001) as well as general satisfaction with quality of sexual life (48.5% in EBRT group vs. 21.57% in RP group, p <0,0001). On the other hand, sexual desire remains the same in both groups of patients (63.75% in EBRT group vs. 60.61% in RP group, p = 0.71). Six months after surgical or radiotherapy treatment erectile function is almost as twice as worse in patients treated by surgery than in patients treated by radiotherapy

Mjesto i važnost nekliničkih bolničkih centara u liječenju bolesnika sa zloćudnim bolestima u Republici Hrvatskoj

Onkologija predstavlja važan segment sveukupnoga hrvatskoga zdravstvenog sustava. Sama onkologija jedna je od trenutačno najpropulzivnijih medicinskih struka te smo svakodnevno svjedoci ekspanzivnog rasta novih modaliteta onkološkog liječenja. Ove činjenice nameću imperativ stvaranja onkološke mreže koja bi kao zadatak imala standardiziranje onkološkog liječenja i osiguravanje dostupnosti novih modaliteta liječenja za sve oboljele od zloćudnih bolesti, neovisno o njihovom mjestu boravka.¹ Hrvatska već ima prepoznate i definirane regionalne onkološke centre u sklopu kliničkih bolničkih centara u Zagrebu, Rijeci, Osijeku i Splitu. Nasreću, u Hrvatskoj postoji tradicija, stara nekoliko desetljeća, razvoja onkoloških centara u općim i županijskim bolnicama. Poimence, to su neklinički onkološki centri u Županijskoj bolnici Čakovec, Općoj bolnici Dubrovnik, Općoj bolnici Karlovac, Općoj bolnici Koprivnica, Općoj bolnici Pula, Općoj bolnici Slavonski Brod, Općoj bolnici Šibenik, Općoj bolnici Varaždin i Općoj bolnici Zadar. Svrha ovoga istraživanja, provedenog u svim nekliničkim onkološkim centrima Hrvatske te korištenjem podataka Državnog zavoda za statistiku i Hrvatskog zavoda za zdravstveno osiguranje, bila je uvidjeti kako je trenutno organizirana onkološka skrb u Republici Hrvatskoj i koja je uloga nekliničkih onkoloških centara u liječenju bolesnika sa zloćudnim bolestima u Republici Hrvatskoj

Clinical Recommendation for Diagnostics, Treatment and Monitoring of Patients with Prostate Cancer

Adenokarcinom prostate najčešća je zloćudna neoplazma u muškaraca u Republici Hrvatskoj. Klinički je često asimptomatski, a najčešće se otkriva na osnovi povišenih vrijednosti PSA u serumu. Odluka o liječenju donosi se na temelju TNM-klasifikacije, gradusne skupine i vrijednosti PSA. Klinički lokalizirana bolest vrlo se uspješno liječi radikalnom prostatektomijom ili radikalnom radioterapijom s hormonskom terapijom ili bez nje. Klinički lokalno uznapredovala bolest najčešće se liječi združenom primjenom radikalne radioterapije i hormonske terapije. Metastatska bolest godinama se može kontrolirati androgenom deprivacijom, a nakon razvoja kastracijski rezistentne bolesti opravdani su kemoterapija ili dodatni oblici hormonske terapije. U radu su prikazane kliničke upute radi ujednačenja postupaka i kriterija postavljanja dijagnoze, liječenja i praćenja bolesnika s rakom prostate u Republici Hrvatskoj.Prostate adenocarcinoma is the most common solid neoplasm in male population in Croatia. It is often asymptomatic. The finding of PSA rise is the most common reason for diagnostic workout. Treatment plan is based on TNM classification, grade group and PSA. Clinically localized disease is successfully treated by radical prostatectomy or radiotherapy with or without hormonal therapy. Locally advanced disease is treated with radiotherapy and hormonal therapy. Metastatic disease can be controlled for many years by androgen deprivation. For castration resistant metastatic disease appropriate treatment is chemotherapy or secondary hormonal therapy. The following paper presents the clinical guidelines to standardize procedures for the diagnosis, treatment and follow-up of patients with prostate cancer in the Republic of Croatia

Clinical guidelines for diagnostics, treatment and monitoring of patients with kidney cancer

Svjetlostanični karcinom bubrežnih stanica najčešći je oblik raka bubrega. Klinički je uglavnom asimptomatski, a samo se kod manjeg postotka bolesnika očituje hematurijom, tupom boli i palpabilnom masom u trbuhu. Najčešće se otkrije slučajno tijekom radioloških pregleda zbog nekoga drugog razloga. Dijagnoza raka bubrega potvrđuje se patohistološkim nalazom nakon provedene dijagnostičke obrade. Odluka o liječenju donosi se temeljem kliničke procjene stadija bolesti i drugih čimbenika rizika. Ovisno o tome, mogućnosti liječenja uključuju kirurški zahvat, sustavnu terapiju malim molekulama, imunoterapiju, kemoterapiju u odabranih bolesnika te palijativnu radioterapiju. U tekstu koji slijedi predstavljene su kliničke upute radi standardizacije postupaka i kriterija postavljanja dijagnoze, liječenja i praćenja bolesnika s rakom bubrega u Republici Hrvatskoj.Clear cell cancer is the most common form of kidney cancer. Clinically, it is mostly asymptomatic, and only a small proportion of patients present with hematuria, pain, and palpable abdominal mass. It is most commonly detected incidentally during radiological examinations for other causes. Diagnosis of kidney cancer is confirmed by pathohistological findings after the radiological imaging procedures. The decision on optimal treatment is based on a clinical assessment, stage of the disease and the presence of other risk factors. Depending on this, treatment options include surgical procedure, systemic treatment with small molecules, immunotherapy, chemotherapy in selected patients, and palliative radiotherapy. In the following text clinical guidelines have been presented to standardize procedures and criteria for diagnosing, treating and monitoring kidney cancer patients in the Republic of Croatia

Treatment of cancer-related anemia

Anemia with consequent tissue hypoxia is common problem in cancer patients. Developed via various patophysiological mechanisms, it has deleterious effect on quality of life and survival of patients with cancer. Recognition of symptoms and timely initiation of treatment improve patients' quality of life, as well as efficacy of oncological treatment. Red blood cells transfusions are well known and efficient way of anemia correction. They are "golden standard" in treatment of cancer-related anemia today, and are unavoidable in almost all patients with hemoglobin concentration below 80 g/L. Newest therapy guidelines in developed countries, supported by recent literature, encourage use of recombinant human erythropoietin (rHu-EPO), although detailed meta-analyses and prospective randomized clinical trials have shown that rHu-EPO decreases the need for transfusions in only 9-45% patients with cancer, only if they have mild anemia, rHu-EPO increases incidence of thromboembolic events, and suspicion arises that it supports tumor cells growth and multiplication. Therefore, it is necessary to define subgroups of patients which are best candidates for rHu-EPO therapy, to accomplish lower intensity of transfusion therapy

Sex or surgery - erectile dysfunction after radical treatment of localized prostate cancer [Seks ili kirurgija - erektilna disfunkcija nakon radikalnog liječenja lokaliziranog raka prostate]

The maintenance of satisfactory quality of life is major concern in majority of patients who elect treatment for localized prostate cancer. We conducted a cross-sectional study to determine sexual function after radical prostatectomy (RP) and external beam radiotherapy (EBRT). Study population consisted of series of 57 patients with early-stage adenocarcinoma of the prostate, treated in our institution in the period from January 2003 till December 2003. Thirty three patients underwent radical retropubical prostatectomy and 24 patients were treated by primary radical radiotherapy. Patients have been given the full international index of erectile function (IIEF) questionnaire two to four and six months after the treatment. Post treatment sexual function in patients treated by EBRT is significantly better than in patients treated by RP (48.5% vs. 21.57%, p < 0.0001). Subgroup analysis reveals that satisfaction with erectile function, maintaining of sexual intercourse and possibility of ejaculation is better in patients treated by EBRT than in patients treated by RP (44.67% vs. 11.57%, p < 0.0001) as well as general satisfaction with quality of sexual life (48.5% in EBRT group vs. 21.57% in RP group, p < 0.0001). On the other hand, sexual desire remains the same in both groups of patients (63.75% in EBRT group vs. 60.61% in RP group, p = 0.71). Six months after surgical or radiotherapy treatment erectile function is almost as twice as worse in patients treated by surgery than in patients treated by radiotherapy

Impact of the coronavirus disease pandemic on cancer care in Croatia: a multicentre cross-sectional study

Purpose: The coronavirus disease (COVID-19) pandemic has greatly affected the oncology community worldwide. Lockdowns, an epidemiological measure, have made it difficult for oncologists to provide care. In this study, we analysed the impact of the COVID-19 pandemic on Croatian cancer care. ----- Methods: This was a multicentre cross-sectional observational study of 422 patients who received systemic oncology therapy during the pandemic. The patients completed a survey to capture their views on the impact of the COVID-19 pandemic on their cancer care. Univariate descriptive and bivariate analyses were performed to analyse the relationship between the patients' perspective on the impact of the COVID-19 pandemic on cancer care and the quality of Croatian cancer care and their clinical and sociodemographic data. ----- Results: Discontinuation or change in cancer treatment during the COVID-19 pandemic was observed in 10.2% of cases. Most did not change their place of treatment owing to the lockdown (97.6%). 14.7% of the patients felt that the quality of cancer care received had changed during the pandemic. ----- Conclusions: In the first few months of the pandemic, Croatia had a favourable epidemiological situation. However, 25% of patients with cancer reported that the pandemic affected cancer treatment and the quality of cancer care