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2007, vol. 12, iss. 1-2, pp. 18-23
Risk determinants of business banks
University of Novi Sad, Faculty of Economy, Subotica
Keywords: a risk; credit; liquidity; market; a bank; assets and liabilities
Abstract
Risks represent dominant characteristic of bank business. They are unpredictable and they grow along with incensement of bank business dimension and incensement of gain rate on invested capital. There are different partitions of risks characteristic for banking business, and most common are: 1) credit risks, 2) interest risks, 3) market risks, 4) currency risks, 5) liquidity risks, 6) operational risks, 7) country (state) risks, 8) law risks. It is a fact that all of these risks have their own characteristics, specific attributes and ways of their minimization. Therefore the daily task of bank management is to: 1) identify, 2) estimate, 3) control and 4) manage risks. With appliance of ALM concept ( managing assets and liabilities).top. management constantly modifies and improves bank’s risks managing system, and all in purpose to achieve continuous liquidity and efficient bank profitability.
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article language: Serbian
document type: unclassified
published in SCIndeks: 28/02/2008

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