Resumen
The fact that the U.S., in the recent past, faced a financial collapse which led to the global economic crisis, and the fact that the euro zone felt the financial collapse of Greece about five years ago has caused the public sector in Serbia, as well as all European countries to be seriously shaken. The significant decrease of transactions in the money market has resulted in the increase of exchange rates, the decline in interest rates, inflation and a decrease in the GDP. This has all been reflected on the economy, which has drastically reduced the number of employees, which has had a direct impact on the living standards of the population With the decrease in living standards, people are in a weaker position to pay back loans, which in turn can lead to some global crisis. The vicious circle is hard to break, and the European and world public is directing its forces, on one hand, to the recovery of the economy and on the other to bailing out banks. In this situation, it is not easy for banks to decide how to optimize the risk they are exposed to, i.e., which industrial branch, for what term and which region is the most optimal for investments. The authors have conducted a study, the results of which illustrate the current situation in Serbia and the trends in Serbia's largest banks.