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Valeriia Grigoreva, 2017, master's thesis

Abstract: The topic of this Master’s Thesis is risk management support systems for banking industry. The research was focused on Russian Federation banking system. Risk management is an important part of bank management. The banking sector is one of the most sensitive ones for currency fluctuation, economical as well as political instability. And it is necessary to be able to forecast future risks and prepare the banks to meet them, as well as to create the most suitable way to treat these risks. Risk management in banks has changed substantially over the past ten years. In conditions of uncertainty and rapidly changing world banks have to introduce innovative approaches and mechanisms to risk management. Now banks use IT tools and automated systems for managing the risk. The case study was chosen for empirical part of research. As an example, the largest bank of Russian Federation banking industry – PJSC “Sberbank” was taken. The empirical analysis was conducted with two research hypotheses. The purpose of H1 was to define the stage of use of automated risk management systems in Russia. It was accepted; the Russian banking sector is on early stage of use IT tools. However, the Russian software market is developing rapidly and can be called catching up. The purpose of H2 was to analyze the risk management support systems in the selected bank. The hypothesis was confirmed; the most important functionality of automated risk management system in Sberbank is credit risk management. Credit risk gives the bank "work". Credit operations of commercial banks are one of the most important types of banking activity. In the financial market, lending retains the position of the most lucrative asset line of credit institutions, although the most risky. The loan portfolio of banks averages 50‒70% of assets. Consequently, the credit risk in the structure of banking risk has a decisive influence on the performance of banks. The effectiveness of credit risk management is very important in the management of banking risk.
Keywords: bank, risk, risk management, support system, IT-tools, automated systems, Russia.
Published: 10.07.2017; Views: 817; Downloads: 78
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