Operativne prakse vezano uz rizik u bankama

master's thesis

• Title (english): Operational practices regarding risk in banks
• Author: Nikolina Gadža
• Mentor: Jasna Prester (mentor); MBZ: 256870
• Committee member: Martina Solenički (predsjednik povjerenstva)
• Committee member: Mihovil Anđelinović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-06, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Kako financijska industrija postaje sve složenija i sofisticiranija, a komercijalne banke
se šire u smislu razmjera i geografije poslovanja, vrste incidenata kojima bi
komercijalne banke mogle biti izložene postaju sve raznolikije, što uzrokuje ne samo
ozbiljne ekonomske gubitke bankama, već i velik negativni društveni utjecaj. Osim
kreditnog rizika i tržišnog rizika, operativni rizik postao je treći najveći izvor rizika. Za
razliku od ostalih rizika, operativni rizik klasificira se kao čisti rizik ili samo prilika
gubitka, jer uvijek dovodi do financijskog gubitka za banku. Kreiranje okvira za
upravljanje operativnim rizicima svakako je jedan od najvećih izazova za banke danas,
a sve kako bi se omogućilo efikasno upravljanje ovim širokim spektrom rizika.
Upravljanje operativnim rizicima treba staviti u aktualni kontekst – kontekst pandemije
Covid-19 te nedavnog potresa u Zagrebu. Ti događaji predstavljaju operativni rizik za
banke te stavljaju naglasak na to koliko su bitne kvalitetne operativne prakse za
upravljanje rizičnim izloženostima. Na primjeru banke ova bi studija mogla pružiti
odgovor na neka pitanja važna za problematiku upravljanja operativnim rizicima, kao i
uvid u niz operativnih praksi ključnih za poslovanje banaka.

Abstract (english)

As the financial industry becomes more complex and sophisticated, and commercial
banks expand in terms of scale and geography of business, the types of incidents that
commercial banks could be exposed to are becoming more diverse, causing not only
serious economic losses for banks, but also a major negative social impact. In addition
to credit risk and market risk, operational risk has become the third largest source of
risk. Unlike other risks, operational risk is classified as pure risk or just an opportunity
of loss, as it always leads to financial loss for the bank. Creating an operational risk
management framework is certainly one of the biggest challenges for banks today in
order to enable efficient management of this wide range of risks. Operational risk
management should be placed in the current context – the context of the Covid-19
pandemic and the recent earthquake in Zagreb. These events pose an operational risk to
banks and focus on how important quality operational practices are for managing risk
exposures. In the bank's example, this study could provide an answer to some questions
relevant for operational risk management issues, as well as an insight into a range of
operational practices crucial for the bank’s operations.

• Keywords: operativni rizik; operativne prakse; banka; upravljanje
• Keywords (english): operational risk; operational practices; bank; management
• Language: croatian
• URN:NBN: urn:nbn:hr:148:482836
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2021-09-08 16:21:13