Custom approach to unlimited growth
Although a strong cyclical recovery of leading economies happened, and global financial system continued to increase its resilience, potential risks to financial stability still exist. Recent monetary policy was extremely expansive and that was supported further recovery of economic activities. This resulted in greatest ever level of free cash funds of banks while credit activity of banks toward companies ans general population continued to increase and short-term and long-term interest rates for government borrowing continued to drop. Despite positive trends in state borrowing and increase in credit activity in private sector that should continue, unfavorable mutual connection of the financial system and central government is still present. High concentration of bank exposure, high concentration of the sector itself but also its unfavorable trend, make for significant structural vulnerabilities of the banking sector.
HLB Inženjerski biro's experts for financial sector are aware that possible liquidity issues can result in drastic reduction in credit activity of banks due to lack of own liquidity and consequently affect the worsening economic situation in society. Therefore they identify risks you're exposed to offer help in finding the best solutions for realizing results and all with a goal of being more effective.