Event Title

Risks as credit factors

Session

Management, Business and Economics

Description

Credit is one of the main functions in the banking sectors, because it includes 80% of the bank assets. The main purpose of the banks it’s to achieve profitability and to discover it, the controlling and managing of the risks that appear during work. The banks encounter with various types of risks like internal risks that have to do more with the bank and can be controlled by the bank, also there are the external risks which are uncontrolled from the bank in which they depend. We understand the risk as uncertainty of the cash flow.

This is one of the main parts that will be analyzed on our paper, because it has to do with the concrete banking risk, the risk assessment system, managing with the risk. We will analyze the credit risk as one of the biggest problem that the bank could face.

The credit risk is analyzed based on the risk assessment system, that has to do with that type of risk that depends on the credit repayment, also the managing of the risk from the bank during the credit application, the bank among its critera accepts or rejects the credit application.

We will take four cases in which the credit was accepted or rejected with a purpose to discover the factors which affect on the credit of the bank. Also in this paper will be analyzed the bad credits and their variation over the years.

Keywords:

banking risk, credit, factors, cash flow

Session Chair

Edmond Hajrizi

Session Co-Chair

Naim Preniqi

Proceedings Editor

Edmond Hajrizi

ISBN

978-9951-437-54-7

Location

Durres, Albania

Start Date

27-10-2017 1:00 PM

End Date

27-10-2017 2:30 PM

DOI

10.33107/ubt-ic.2017.268

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Oct 27th, 1:00 PM Oct 27th, 2:30 PM

Risks as credit factors

Durres, Albania

Credit is one of the main functions in the banking sectors, because it includes 80% of the bank assets. The main purpose of the banks it’s to achieve profitability and to discover it, the controlling and managing of the risks that appear during work. The banks encounter with various types of risks like internal risks that have to do more with the bank and can be controlled by the bank, also there are the external risks which are uncontrolled from the bank in which they depend. We understand the risk as uncertainty of the cash flow.

This is one of the main parts that will be analyzed on our paper, because it has to do with the concrete banking risk, the risk assessment system, managing with the risk. We will analyze the credit risk as one of the biggest problem that the bank could face.

The credit risk is analyzed based on the risk assessment system, that has to do with that type of risk that depends on the credit repayment, also the managing of the risk from the bank during the credit application, the bank among its critera accepts or rejects the credit application.

We will take four cases in which the credit was accepted or rejected with a purpose to discover the factors which affect on the credit of the bank. Also in this paper will be analyzed the bad credits and their variation over the years.