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Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal

Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal

Year VIII, Nr.9/2009

Year VIII, Nr.9/2009 255Chart no. 1.Rata rentabilităţii Return on capitalului Equity propriu2015105Rata rentabilitaţii capitaluluipropriuReturn on Equity0-52003 2004 2005 2006 2007Source: own calculationsNext, we make assessments basedon credit risk calculated at SC BancpostS.A. From table. 2. and chart no. 2 weobserve that the indicators have anoscillating trend, high values recorded in2007 and 2008 based on theinternational financial crisis.The share of loans outstanding andthe rate of bad loans should be as smallto express the effective management ofcredit risk. The size of the risk is used bythe analyst to determine the necessaryreserves to cover losses of the loanportfolio.Table no. 2 (Thousands RON)2003 2004 2005 2006 2007 2008 septOverdue credits 4470 3514 26732 56961 140970 335097Total credits 1148982 2036822 2678010 4572661 8898067 10205423Overdue credits / 0.38 0.17 0.99 1.24 1.58 3.28Total credits %Dynamics % 44.34 578.59 124.79 127.18 207.25Overdue and23289 18778 106439 73323 157990 459665doubtful creditsTotal credits 1148982 2036822 2678010 4572661 8898067 10205423Overdue and2.02 0.92 3.97 1.60 1.77 4.50doubtful credits /Total credits %Dynamics % 45.48 431.11 40.34 110.72 253.67Reserves for credit 23602 37872 37872 38554 38554 38554lossesTotal credits 1148982 2036822 2678010 4572661 8898067 10205423Reserves for2.05 1.85 1.41 0.84 0.43 0.37credit losses /Total credits %Dynamics % 90.51 76.05 59.62 51.38 87.18Source: Annual Reports and own calculations

256 Finances - Challenges of the FutureThe evolution of the credit risk indicatorsChart no. 2.4.543.532.521.510.502003 2004 2005 2006 2007 2008Sept.Overdue credits /Total credits %Overdue and doubtful credits /Total credits %Reserves for credit losses /Total credits %Source: own calculationsRegarding interest rate risk, theindicator values calculated in table no.3and chart no.3 show that the degree ofsensitivity is always over the unit, exceptin 2003, which means a long position ofinterest. Therefore, interest rate risk isrelatively low at present.Table no. 3.Thousands RONIndicators 2003 2004 2005 2006 2007 2008septSensitive assets 2166961 3724418 5116591 7023860 12654950 10205423Sensitive 2332262 3622301 4754403 6783700 12252942 9447425liabilitiesDegree of 92.91 102.81 107.61 103.54 103.28 108.02sensitivity %Dynamics % 110.66 104.66 96.21 99.74 104.59Source: Annual Reports and own calculationsDegree of sensitivityChart no. 3.11010510095 Degree of sensitivity90852003 2004 2005 2006 2007 2008Sept.Source: own calculations

Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta activitatea ...
Principalele tipuri de riscuri operaţionale ce pot afecta ... - FEAA
Principalele tipuri de riscuri operaţionale ce pot afecta ... - FEAA
Principalele tipuri de riscuri operaţionale ce pot afecta ... - FEAA
Principalele tipuri de riscuri operaţionale ce pot afecta ... - FEAA
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
Principalele tipuri de riscuri operaţionale ce pot afecta ... - Journal
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