{"id":2066,"date":"2025-12-16T07:51:41","date_gmt":"2025-12-16T07:51:41","guid":{"rendered":"https:\/\/ekoninfochecker.efri.uniri.hr\/?p=2066"},"modified":"2025-12-16T07:51:41","modified_gmt":"2025-12-16T07:51:41","slug":"hpb-biljezi-pad-dobiti-i-prihoda-prepolovljene-kamate-imale-su-najveci-utjecaj","status":"publish","type":"post","link":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/2025\/12\/16\/hpb-biljezi-pad-dobiti-i-prihoda-prepolovljene-kamate-imale-su-najveci-utjecaj\/","title":{"rendered":"HPB BILJE\u017dI PAD DOBITI I PRIHODA: PREPOLOVLJENE KAMATE IMALE SU NAJVE\u0106I UTJECAJ"},"content":{"rendered":"\n<p>Hrvatska po\u0161tanska banka (HPB) u prvih devet mjeseci 2025. godine ostvarila je neto dobit od 51,4 milijuna eura, \u0161to predstavlja pad od pribli\u017eno 17 % u odnosu na isto razdoblje prethodne godine. Najve\u0107i utjecaj na smanjenje dobiti imao je pad neto kamatnih prihoda, koji su se zbog ni\u017eih kamatnih stopa na likvidna sredstva kod sredi\u0161nje banke smanjili za oko 14,5 %. Ukupni operativni prihodi tako\u0111er su pali, dosegnuv\u0161i 149,6 milijuna eura, dok su operativni tro\u0161kovi porasli tek umjereno, zadr\u017eavaju\u0107i stabilnu tro\u0161kovnu strukturu. S druge strane, prihodi od naknada i provizija porasli su na 28,1 milijun eura, \u0161to ukazuje na ve\u0107u aktivnost korisnika bankarskih usluga. Uprava banke isti\u010de da se negativni efekti pada kamatnih stopa ubla\u017eavaju repozicioniranjem bilance te sna\u017enijim usmjeravanjem likvidnosti prema kreditiranju i vrijednosnim papirima. Prema njihovim navodima, takva strategija omogu\u0107ila je ostvarenje povrata na kapital od 12,5 %.<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/ekoninfochecker.efri.uniri.hr\/wp-content\/uploads\/2025\/12\/Lena-Okretic-12.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Lena Okreti\u010d 12.\"><\/object><a id=\"wp-block-file--media-87690980-1028-4b0f-b174-8939fca58cfd\" href=\"https:\/\/ekoninfochecker.efri.uniri.hr\/wp-content\/uploads\/2025\/12\/Lena-Okretic-12.pdf\">Lena Okreti\u010d 12<\/a><a href=\"https:\/\/ekoninfochecker.efri.uniri.hr\/wp-content\/uploads\/2025\/12\/Lena-Okretic-12.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-87690980-1028-4b0f-b174-8939fca58cfd\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hrvatska po\u0161tanska banka (HPB) u prvih devet mjeseci 2025. godine ostvarila je neto dobit od 51,4 milijuna eura, \u0161to predstavlja pad od pribli\u017eno 17 % u odnosu na isto razdoblje prethodne godine. Najve\u0107i utjecaj na smanjenje dobiti imao je pad neto kamatnih prihoda, koji su se zbog ni\u017eih kamatnih stopa na likvidna sredstva kod sredi\u0161nje [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2068,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93,100,106],"tags":[],"class_list":["post-2066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analize","category-provjera","category-provjera-clanaka"],"_links":{"self":[{"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/posts\/2066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/comments?post=2066"}],"version-history":[{"count":1,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/posts\/2066\/revisions"}],"predecessor-version":[{"id":2069,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/posts\/2066\/revisions\/2069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/media\/2068"}],"wp:attachment":[{"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/media?parent=2066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/categories?post=2066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekoninfochecker.efri.uniri.hr\/index.php\/wp-json\/wp\/v2\/tags?post=2066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}