1. Collection Management Model for Corporate Customers of Serbian Banks Lidija Barjaktarović PhD Dragan Ilić PhD Marko Marković MBA

2. Introduction Credit risk → Collection management Collection management models (CMM) of Banca Intesa Belgrade and Erste bank Novi Sad; in period of 2010 to 2013 CMM model consists of: Aims, Organization, Arhitecture, Instruments, Control and monitoring within the model. H0: Good collection management model provides satisfactory level of NPL and profitability of the bank.

3. Results and Discussion Year/ Indicato r 2007200820092010201120122013 Credits BI95718412165524335181075733245087290249337725259550499265535776 EB20836077300494933022043843808647459527725564815658211657 Corporate credits BI4738241169910679104528993152645637155679648159850548153874556 EB13266623178041521952317730376031396524453992364641293619 NPL (%) BIn.a. 3,134,035,016,67 EB14,5311,4313,6511,4913,9714,4617,67 Serbian banking sector 11,3 15,716,91918,621,4 ROE (%) BI11,7914,5913,4114,7613,2911,448,7 EB1,73,173,583,137,7612,310,42 Serbian banking sector 9,289,34,65,40,242,053,81 CAR (%) BI24,3118,7917,6718,6216,8619,7919,91 EB40,3926,5826,0617,6324,3721,3420,95 Serbian banking sector 27,921,921,4419,9119,1119,8720,9

4. Results and Discussion Year / Indicator 2007200820092010201120122013 Performing loans BI52,9379,967,2969,2670,6787,4850,46 EB36,4386,7578,2755,8632,4750,5144,87 Past due loans BI43,1919,8820,5116,4814,880,3428,7 EB59,6212,2621,2928,6144,1732,5734 Substandar d loans BI0006,844,344,480 EB0000,45,291,570 Restructure d loans BI3,880,2212,27,4210,110,743,15 EB3,950,990,444,639,44,294,89 Doubtful loans BI000006,9617,69 EB00010,58,6711,0616,24 Total100

5. Conclusion H0 is confirmed. Both CMM are good because, they provide satisfactory level of NPL and profitability of banks. BI and EB had better results in managing credit risk than Serbian banking sector in the period of 2010 to 2013.