Term €STR Credit Adjustment Spread

"The <b>Credit Adjustment Spread</b> is the term used for the adjustment between
LIBOR and Risk Free Rate to reduce or eliminate the economic value transfer between
the lender and the borrower when the index changes from LIBOR to the replacement
Risk Free Rate."
https://www.investec.com/content/dam/united-kingdom/downloads-and-documents/credit-
adjustment-spread.pdf

term spread = interest rate spread > raspon kamatne stope

"<b>Term spreads</b>, also known as <b> interest rate spreads</b>, represent the
difference between the long-term interest rates and short-term interest rates on
debt instruments such as bonds. In order to understand the significance of term
spreads, we must first understand bonds."
https://www.thoughtco.com/term-or-interest-rate-spreads-1147258

Evro kratkoročna kamatna stopa €STR

https://www.unicreditbank.rs/rs/article/korisni_saveti/
obavestenje_referentne_kamatne_stope.html

"(b) | the institution recognises a specific <b>credit adjustment</b> resulting

from a significant perceived decline in credit quality subsequent to the
institution taking on the exposure;
(b) | institucija priznaje specifične <b>ispravke vrijednosti za kreditni rizik</b>
zbog uočenoga značajnog pogoršanja kreditne kvalitete dužnika koje je uslijedilo
nakon nastanka te izloženosti;"
https://eur-lex.europa.eu/legal-content/EN-HR/TXT/?locale=fr&uri=CELEX%3A32013R0575

https://privreda.gov.rs/lat/usluge/javni-pozivi/javni-poziv-za-ucesce-poslovnih-
banaka-i-lizing-kompanija-u-realizaciji-1

"In that sense, <b>interest rate spread</b> can freely be kept at zero, as it does
not affect the ratio of policy and active interest rates."
"U tom smislu <b>kamatna margina</b> može slobodno da se drži na nuli, jer ona ne
utiče na odnos referentnih i aktivnih kamata.
https://www.casopisbankarstvo.rs/Portals/0/Casopis/2011/11_12/UBS-Bankarstvo-11-12-
2011-Labus.pdf

"Interest rate spread is the interest rate charged by banks on loans to private
sector customers minus the interest rate paid by commercial or similar banks for
demand, time, or savings deposits. The terms and conditions attached to these rates
differ by country, however, limiting their comparability."
https://databank.worldbank.org/metadataglossary/world-development-indicators/
series/FR.INR.LNDP

"Na nivou ekonomije, marža se ocenjuje kao razlika između prosečne kamatne stope na
kredite i kamatnih stopa na izvore, odnosno pozajmice ili depozite položene kod
banke."
https://www.nbs.rs/sr/scripts/showcontent/index.html?id=11492&konverzija=no

"Term spreads, also known as interest rate spreads, represent the difference
between the long-term interest rates and short-term interest rates on debt
instruments such as bonds. In order to understand the significance of term spreads,
we must first understand bonds."
https://www.thoughtco.com/term-or-interest-rate-spreads-1147258

"Ukoliko banka daje raspon kamatne stope, za bodovanje se uzima najviša."

https://privreda.gov.rs/lat/usluge/javni-pozivi/javni-poziv-za-ucesce-poslovnih-
banaka-i-lizing-kompanija-u-realizaciji-1

"Istovremeno, velike banke izdaju kredite većim kompanijama. To je jedan od razloga

da je njihov spred ili raspon kamatne stope (razlika između kreditne stope i
depozitne stope) i neto kamatna marža (tj. kamatni prihod minus izdatak (trošak)
podeljen sa aktivom koja nosi zaradu), obično uži od manjih regionalnih banaka,
koje su zaštićene od konkurencije na visokolokalizovanim tržištima, a uz to
kreditiraju manje, ne toliko sofisticirane klijente."
DEJAN_JEDNAK.pdf