Operational Risks in the Banking Industry

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  • Lidija Grdošić Faculty of Economics and Business Zagreb, Republic of Croatia

Klíčová slova:

banks, economy, operational risks, risk management, quality

Abstrakt

The goal of this paper is to point out the current situation in the banking sector related to its risks (credit risk, market risk, liquidity risk, concentration risk) with a special emphasis on today’s one of the major types of banking risk, the operational risk. This phrase contains the risks of losses which could happen due to the inadequacy of internal processes, human errors, poor implementation of information systems or possible risky external events, so legal risks are also often included in the definition of operational risks. In this paper the tools to identify and evaluate those risks, capital requirements for operational risk and finally the role of supervisors in managing these types of risks will be given.

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Reference

Basel Committee for Banking Supervision (2003) “Best practices for operational risk management and control of it (Dobre prakse za upravljanje operativnim rizikom i nadzor nad njim)”. Available at: http://www.hnb.hr/supervizija/papiri-bazelske-komisije/h-dobre-prakse-za-upravljanjem-operativnim-rizikom.pdf (29/12/2015)

Bosilj-Vukšić, V., Kovačić, A. (2004) “Business Process Management (Upravljanje poslovnim procesima)”, Sinergija – nakladništvo d.o.o., Zagreb, p.9

Credit Institution Act. Article 8. Available at: http://narodne-novine.nn.hr/clanci/sluzbeni/2013_12_159_3328.html (22/3/2016)

Credit Institution Act. Article 56. Available at: http://narodne-novine.nn.hr/clanci/sluzbeni/2013_12_159_3328.html (22/3/2016)

Javor, Lj., Kalčić, R., Kolobarić, M., Marinković Drača, D. (2010) “Manual for Banks (Priručnik za banke)”, TEB – Poslovno savjetovanje d.o.o., Zagreb, p. 97-99, 152-156, 166

Vukičević, M., Odobašić, S. (2012) “Risk Management (Upravljanje rizicima)”, Visoka škola za poslovanje i upravljanje s pravom javnosti “Baltazar Adam Krčelić”, Zaprešić, p. 11, 148-149, 184

Šarlija, N. (2008) “Bank Risks – lectures for class “Credit Analysis” (Rizici u bankama – predavanje za kolegij „Kreditna analiza”)“. Available at: http://www.efos.unios.hr/kreditna-analiza/wp-content/uploads/sites/252/2013/04/4_rizici-u-bankama.doc.pdf (25/1/2016)

The Business Dictionary. Definition of risk. Available at: http://www.businessdictionary.com/definition/risk.html(11/4/2016)

The Free Dictionary. Legal Dictionary. Definition of a credit institution. Available at: http://legal-dictionary.thefreedictionary.com/Credit+institution (11/04/2016)

Stahování

Publikováno

2016-10-31

Jak citovat

Grdošić, L. (2016). Operational Risks in the Banking Industry. ENTRENOVA - ENTerprise REsearch InNOVAtion, 2(1), 147–154. Získáno z https://hrcak.srce.hr/ojs/index.php/entrenova/article/view/14206

Číslo

Sekce

Financial Economics