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The authors discuss some specifics of the relationship to personal finances within population of Eastern Croatia. A survey was carried out in order to test personal attitudes of inhabitants regarding the accessibility and disposal of money required for satisfying their personal needs. By expressing these views the respondents have positioned the region's financial potential in comparison to Croatia as a whole. [ABSTRACT FROM AUTHOR]

The global economic crisis has threaten the stability of banking systems around the world, which has impact on the Croatian bank. Banks as financial intermediaries between money sufficient and money deficient subjects through their core business, credit lending, significantly affect the stability and economic development. This study examines the impact of the global financial crisis on the changes in the Croatian banking system which reflected on the amount and structure of bank lending. [ABSTRACT FROM AUTHOR]

In order to obtain constant and stable sources of finance, particularly in the changed circumstances on the banking market, i.e. the global financial crisis, credit institutions in Croatia have changed their business strategy by focusing partly on the non-interest income segment. By this procedure credit institutions are trying to impact their market position. In this paper the authors investigate the role and significance of non-interest income and its impact on business policies of credit institutions in the Republic of Croatia. [ABSTRACT FROM AUTHOR]

A combination of various sources of financing is a necessary prerequisite to finance any development as well as regional development. Sources of financing can be monitored and evaluated from the aspects of suitability (cost aspect), availability and abundance. Ultimate users of funds give advantage to financial sources whose availability and abundance is at the maximum level, and costs are at their minimum. For the most part, development bank funds meet the above mentioned requirements, since the main function of these banks is to finance certain activities under special (more favourable) conditions. The significance, justification and evaluation of this form of financial resources in the regional development segment are becoming more and more prominent. The subject of this paper is the amount and conditions of development bank loans in the area of Osijek-Baranja and Vukovar-Srijem Counties. [ABSTRACT FROM AUTHOR]