Managementul performanței și riscului în bănci

Abstract

The globalization of financial markets, deregulation and the increasing sophistication of financial products, services and processes have increased the complexity and the diversity of financial risks. Changes in financial and banking markets from the latest years have resulted in significant changes in the risk profile of companies and financial institutions. The significant role of these in both economic growth and financial stability has made the financial risks management more important than ever and at the same time it represents the key function of modern financial and banking institutions with market-focused activities. Risk management in banking activity is an important subject especially after the financial crisis from 2008 which unfortunately led, in the majority of financial institution, to the materialization of the credit risk, liquidity risk, interest rate risk, exchange rate volatility risk and structural risk.