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Title:ZAVAROVANJE IN IZTERJAVA TERJATEV V NLB D.D. LJUBLJANA
Authors:Biščak Mlakar, Francka (Author)
Savin, Davor (Mentor) More about this mentor... New window
Files:.pdf VS_Biscak_Mlakar_Francka_2009.pdf (268,32 KB)
 
Language:Slovenian
Work type:Undergraduate thesis (m5)
Organization:EPF - Faculty of Business and Economics
Abstract:Banke pri svojem poslovanju večinoma razpolagajo z denarjem svojih komitentov, na drugi strani pa ta denar posojajo kreditojemalcem. Pri tem se banka sooča z različnimi tveganji, ki se med seboj prepletajo in so medsebojno povezana. Prav zato se pri svojem poslovanju ne odloča o tem ali bo tveganje sprejela ali ne, temveč o tem, v kolikšnem obsegu se mu bo izpostavila. Prav iz tega razloga banke aktivno prevzemajo in upravljajo s tveganji, saj jim to zagotavlja prihodek in obstoj. Spremljanje kreditnega tveganja in zagotavljanje kapitalske ustreznosti ne zadoščata več za učinkovito in varno poslovanje bank. Pri tem se moramo zavedati, da ima banka, ki aktivno upravlja s tveganji, precejšnjo konkurenčno prednost in s tem možnost ustvarjanja zahtevanih donosov. Tako je upravljanje s kreditnim tveganjem bistvenega pomena za uspešnost vsake finančne institucije, upravljanje s tveganji pa najpomembnejša bančna dejavnost, ki mora biti vgrajena v globalno politiko banke.
Keywords:ključne besede banka, tveganja, likvidnost, kreditno tveganje, obrestno tveganje, valutno tveganje, operativno tveganje, kreditna sposobnost, boniteta, vrsta zavarovanja, slabe naložbe, izterjava.
Year of publishing:2009
Source:Maribor
URN:URN:SI:UM:DK:WZE06XRO
COBISS_ID:9888028 Link is opened in a new window
Views:3264
Downloads:653
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Categories:EPF
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Secondary language

Language:English
Title:CLAIM SECURITY AND ENFORCEMENT IN NLB D.D. LJUBLJANA
Abstract:In their dealings banks usually possess the monetary means of their customers while on the other hand they lend this money to the borrowers. By doing so the bank usually faces various risks that intertwine with each other and also interconnected at the same time. For this particular reason the bank does not decide whether to accept the above-mentioned risks in their business transactions or not but to what extent she it will expose itself to such risks. That is why the banks are actively undertaking and managing risks since this provides their income and existence. Monitoring of credit risks and ensuring capital adequacy is not longer sufficient for effective and safe operation of banks. In this respect, we must take into account that the bank, actively managing risks, has substantial competitive advantage and by that a possibility of creating the required output. Hence, the management of credit risks is essential for the successful performance of every financial institution and management of risks the most important banking activity, which must be integrated into the global policy of banks.
Keywords:Key words Bank, risks, liquidity, credit risk, interest rate risk, foreign exchange risk, operational risk, creditworthiness, credit standing, type of insurance, poor investments, collection.


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