The goal and contribution of this paper is to look at the importance of banks as the most important entities in the financial market and in the overall system of financing the economy. In the system of overall financing of the economy (and the state) banks get a basic role, whether it is direct crediting of enterprises, or indirectly through the financial market (securities). BiH is ranked third in the region by the number of banks, but it is the first if this parameter is viewed on the basis of size and market development, which is why bankers and economists believe that there are too many banks and that the banking sector needs to be consolidated. By reading this paper, we can see that with the rapid development of credit money, especially after the disappearance of the metal standard, and its active use from the modern capitalist state, through a highly developed mechanism of monetary regulation, there have been two opposite effects: first, there is an increase in the elasticity of the money supply, and secondly, there is a wider use of this mechanism in state-monopolistic capitalism, followed by a sharpening of crisis situations and disproportions in almost all modern economies. The dominance of banking capital in modern economies, constant concentration and centralization processes, the growing interest in financial and industrial capital, and the creation of a financial oligarchy, was followed by the simultaneous process of creating large international banks, the process of creating multinational societies, along with the simultaneous process of diversification of jobs by which modern banks increasingly deal in regular business. Financial instability is a greater danger to the economic system and central banks, which is why financial stability is expected to become a priority goal for these institutions. The global financial crisis and the wave of bankruptcy of banks and a large number of other institutions opened a new discussion aimed at redefining the objectives of the monetary policy. The research was carried out using the standard methodological procedure, using local and foreign professional literature (books, articles, journals, reports from relevant institutions) and publications related to this issue in the region. Methods of induction and deduction, systematization and methods of analysis and synthesis were applied to these data. Poor economic and credit activity in the country in the past two years, as well as a relatively high proportion of non-performing loans in total system-level loans, imposed a need to find a systematic solution to the issue of non-performing loans. Domestic institutions have begun to create a comprehensive framework for resolving the issue of non-performing loans and to ensure a better position for commissioners, better protection of the guarantors, faster collection of claims, as well as disruption of the borrower's business activities up to the moment of settlement of the commitments, thus creating better conditions for providing significant support of the banking sector...

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Soybean yield depends on the variety, soil, cultural practices, as well as the weather conditions in certain years. The aim of this research is to examine the impact of NPK fertilizer application in the autumn and spring period on the level of soybean yield. The highest soybean yields were achieved by applying NPK fertilizer in autumn, before the basic tillage with spring application of nitrogen fertilizer AN. Spring application of NPK fertilizers and AN increases the yield, but the effect of fertilizers is significantly less compared to autumn application. The application of nitrogen fertilizer AN increases the soybean yield, and in order for this fertilizer to show its full effect, it is necessary for the soil to be optimally provided with macroelements.

In this paper, the main sources of available drinking water and the spatial distribution of medicinal waters in the Tuzla Canton are analyzed. The focus of the paper is on the use of available drinking water and the exploitation of medicinal waters in this area. The paper describes the available quantities of drinking water, water needs and potential available quantities in the municipalities of Tuzla Canton. The conducted research indicates a lack of drinking water in this area. In order to improve the water supply of the population with drinking water in this area, it was pointed out that longterm systemic solution to the problem of drinking water shortage must be considered. Exploitation and use of medicinal water for tourist and medical purposes is done on a smaller scale. For the adequate application of medicinal waters in the work, it was also pointed out that it is necessary to improve the material basis, which primarily refers to the accommodation facilities and medical equipment in spas. The paper presents theoretical and practical research of spatial distribution of water resources and their use. The analysis of water resources presents their economic value and proposes guidelines for further use and protection.

With the internationalization of business and the fact that many organizations are expanding into multiple different countries, it is important that managers understand the impact of national culture on businesses. National culture determines the rules that determine how businesses operate in a social context. There are different cultures in the world today, so, from the point of view of international management it is very important to understand their influence on thinking, beliefs, behaviors, perceptions, managers' attitudes, their stereotypes, ideology, approach to strategy formulation, decision making, attitude towards risk, attitude towards cooperation and competition, orientation towards stability or innovation, and tendency towards change. The primary role of intercultural management is based on the creation of patterns that will follow the flow of national specificity in the field of international business. The aim of this scientific discipline is based on achieving better integration of different peoples and raising the level of tolerance in international business. The commonly used foreign trade analysis indicators in international business rely on import-export components and their volume. The purpose of this paper is to show, in addition to basic indicators of trade, the extent to which the multicultural effect has contributed to the development of trade relations of individual countries and to determine the possibility of creating conditions for optimal business in the globalization world. The methodology of work will be based on research of customer orientation and their preferences for individual products in accordance with primary indicators and indicators based on intercultural bases.