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Author

Lana Frkovic

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Aug 2026

Do ESG Ratings Predict Credit Risk? Evidence From Croatian Firms and A Machine Learning Perspective

A weak and unstable relationship between ESG measures and HGK credit ratings is found, and ESG ratings in this context appear to reflect firm size, sector, and reporting capacity more than a strong standalone signal of credit risk.

Vlatka Bilas, Tomislav Radoš, Lana Frkovic · 0 citations