delo diplomskega seminarja
Filip Trombev (Author), Vita Jagrič (Mentor)

Abstract

Namen tega diplomskega projekta je podati jasen opis stanja, v katerem delujejo makedonske banke. Poudarek je na tveganjih, ob upoštevanju dejstva, da se glavni izzivi pri njihovem delu še vedno nanašajo na učinkovito izterjavo kreditne aktivnosti, pri čemer pa je podjetniški sektor še vedno občutljiv, istočasno pa ohranja svojo dobičkonosnost, likvidnost in kapitalsko stabilnost. Namen vsake banke, ki posluje v Republiki Makedoniji, je vzpostaviti podjetniško kulturo in tradicijo, v kombinaciji s sodobno informacijsko tehnologijo, s strokovnim kadrom in z uspešno strategijo trženja. Vsaka banka mora prepoznati in upoštevati delež družbene javnosti, ker je potrebno posebno pozornost posvetiti lastnim družbenim odgovornostim podjetja. Banke z različnimi tržnimi pobudami in naložbami v funkcionalnih sistemih pričakujejo rast baze strank in povečanje tržnega deleža v različnih segmentih, kar pozitivno vpliva na dobičkonosnost bank in na doseganje dolgoročne strategije rasti in razvoja trga v Republiki Makedoniji. Uporaba zelo konservativne politike za predvidevanje operativnih tveganj omogoča doseganje zadovoljive stopnje kapitalske ustreznosti, zaščito pred nepričakovanimi tveganji, grožnjami in morebitnim neuspehom načrtovane politike ter vzdrževanje učinkovitega sistema integriranega upravljanja s tveganji. Namen tega diplomskega projekta je odgovoriti na vprašanje: kako uspešno upravljati s tveganjem, hkrati pa oblikovati strategijo, ki jasno opredeljuje koncentracijo tveganja, ki je sprejemljiva za bančni subjekt. S tako strategijo bi vodstvo približalo svojo odločitev končnemu cilju finančnega poslovanja subjekta samega.

Keywords

bančno poslovanje;operativno tveganje;obrestno tveganje;kreditno tveganje;obvladovanje tveganj;Makedonija;

Data

Language: Slovenian
Year of publishing:
Typology: 2.11 - Undergraduate Thesis
Organization: UM EPF - Faculty of Economics and Business
Publisher: [F. Trombev]
UDC: 336.71(497.7)
COBISS: 12034076 Link will open in a new window
Views: 1237
Downloads: 65
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Other data

Secondary language: English
Secondary title: Analysis of bank risks in the Republic of Macedonia
Secondary abstract: The purpose of this diploma project is to provide a clear description of the situation in which the Macedonian banks are operating with an emphasis on the risks, taking into account the fact that there are still major challenges in their work relates to the effective recovery of credit activity, while the corporate sector is still sensitive at the same time conserving their profitability, liquidity and capital stability. The purpose of each bank, which operates in the Republic of Macedonia is to establish an entrepreneurial culture and tradition, combined with modern information technology, professional staff and a successful marketing strategy. Each bank must identify the share of social public as to the need for special attention to their corporate social responsibility. Banks with various marketing initiatives and investments in functional systems expect growth in the customer base and increase market share in different segments, which have a positive impact on the profitability of banks and achieve long-term growth strategy and market development in the Republic of Macedonia. Using a very conservative policy to anticipate operational risks, achievies a satisfactory level of capital adequacy, protection against unexpected risks, threats and potential failure of a planned policy, the maintenance of an effective system of integrated risk management. The purpose of this diploma project is to get closer to the answer of the question: how to successfully manage risk, while creating a strategy which clearly defines the concentration of risk acceptable to the banking entity, of whose leadership would bring its decision to the ultimate goal of financial performance of the subject.
Secondary keywords: operational risk;interest rate risk;credit risk;
URN: URN:SI:UM:
Type (COBISS): Final seminar paper
Thesis comment: Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages: 33 f.
ID: 8702747