La gestion du risque bancaire

Mémoire Comptabilité & finances Finance

Date de publication :

03/05/2009

Langue :

Anglais

Format :

.doc

Nombre de pages :

36 pages

Niveau :

grand public

Consulté :

2 fois

Avis client :

non évalué

Validé par :

le comité Oboulo.com

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Sommaire :

Sommaire

Management of the credit risk and the control of its impact on the profitability of the financial institutions
1. The credit risk, a major risk of exploitation in the financial institutions
2. The credit risk, and its impact on banking profitability
Risk management within the group
1. Presentation of the Banque Populaire
2. The Balle II stakes for the Moroccan banks
Risk management, how has the popular bank got with it?

Résumé :

The risk diversification is a basic precept of banking activity. A big part of the large banking failures was due, in a way or another, to a concentration of the credit risk.
The banking controlling authorities have, at all times, strongly encouraged the banks placed under their jurisdiction to avoid the concentration of risks. This concentration can take several forms. Apart from the credit risk, it can comprise, for example, an over-exposure to the market risks or an excessive financing risk when a bank calls too exclusively upon a given compartment of the market to get resources. Certain forms of risk concentration do not lend themselves easily to an objective measurement, in spite of their considerable importance for the monitoring of such or such bank. Moreover, the fact that the banks are often specialized in a particular field can mean that the profitability of this type of activity is above the average, although the risk which they incur is also higher than the average if the external factors seem less favourable. Experience shows, in other respects, that the risk concentrations can result in considerable losses, without necessarily comprising a proportional increase in the profit prospects. The Committee of Basle thinks that it matters that the persons in charge of banking control plan the application of intended to limit the exposure of the banks to concentrated forms of credit risk in general and to big borrowers in particular.

Should the monitoring of the great risks be carried out on a consolidated basis or not? Sometimes one commands that the consolidation is hardly possible, considering there exists a certain number of banking centres where, because of the requirements of bank secrecy, the subsidiary companies find it hard to communicate the data necessary for the monitoring of the great risks on a consolidated basis.