TYPES OF RISK IN BANKING OPERATIONS – CATEGORIZATION AND DEFINITIONS

Apply

TYPES OF RISK IN BANKING OPERATIONS – CATEGORIZATION AND DEFINITIONS

Journal Title: Economic and Regional Studies/ Studia Ekonomiczne i Regionalne - Year 2018, Vol 11, Issue 4

Abstract

Subject and purpose of work The article deals with the issue of risk mainly in banking activity. Different definitions of risk were reviewed as tools for risk management in banks and for regulatory activities by institutions. Materials and methods The research material was taken from the subject literature and official documents of financial market institutions - international organizations, as well as foreign and domestic financial institutions. They were mainly legal acts, standards and guidelines/recommendations. Particular attention was paid to documents published by banking supervision authorities. Results As a result of the study, the multiplicity of concepts and approaches were found to define and identify banking risks as the categorizations presented by regulators seemed to be a standard to apply in risk management practices. Conclusions Among the risk categorization used by banks, the leading ones have been presented by supervisory authorities. Defining the types of risk in operations should be the first stage of the internal risk management process which is necessary for banks’ survival. Ensuring high quality of the implementation of the first stage determines the efficiency and effectiveness of the entire process. The decisive requirements set by European and national regulators with regard to banks’ application of risk categorization as part of the risk management system contributed to mitigating the phenomena related to the global financial crisis among banks in Europe.

Authors and Affiliations

Tomasz Adamowicz

Keywords

PHASES IN THE LIFECYCLE OF A COMPANY AND THE PROFITABILITY OF INDUSTRIAL COMPANIES

Subject and purpose of work The aim of this study is to analyse the profitability level of industrial companies in various phases of their lifecycle. Materials and methods The article uses data from individual annual fi...

WSPÓŁPRACA NA RZECZ ROZWOJU TURYSTYKI W REGIONIE NA PRZYKŁADZIE SAMORZĄDÓW GMIN PRZYRODNICZO CENNYCH WOJEWÓDZTWA LUBELSKIEGO

Przedmiot i cel pracy Przedmiotem pracy była współpraca wewnątrz- i międzysektorowa samorządów gminnych na rzecz rozwoju turystyki. Celem pracy była ocena aktywności samorządów gmin przyrodniczo cennych województwa lubel...

EKONOMICZNA TEORIA RELIGII W PERSPEKTYWIE POSTĘPUJĄCEJ SEKULARYZACJI

Przedmiot i cel pracy Praca przedstawia ekonomiczną teorię religii. Jej celem jest spojrzenie na jedną ze współczesnych koncepcji religii w perspektywie sekularyzacji. Materiały i metody W opisie istoty tej teorii posłu...

USE OF EU FUNDS IN PROMOTION OF PERIPHERAL AREAS

Subject and purpose of work: The aim of this paper is to assess the use of EU funds in promotion of peripheral areas on the example of five provinces of Eastern Poland. The detailed objectives are defined as follows: ide...

RECENZJA KSIĄŻKI SYLWII DOŁZBŁASZ PT. „SIECI WSPÓŁPRACY TRASNGRANICZNEJ NA POGRANICZACH POLSKI”, WYDAWNICTWO UNIWERSYTETU WROCŁAWSKIEGO, WROCŁAW 2017, S. 290

EP ID EP483631
DOI 10.2478/ers-2018-0034
Views 108
Downloads 0