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Methods of Risk Management at the Banking Level

Author

Listed:
  • Violeta Elena Dragoi

    (Valahia University of Targoviste, România)

  • Adelina Nicoleta Nicolescu

    (Valahia University of Targoviste, România)

Abstract

The risk supposed by banks on the market, the most common and the most popular is the interest rate risk. For this reason, each banking institution tries to quantify it in order to be able to monitor it permanently and to take the necessary measures to reduce it. The interest rate risk is generated by the decreasing of commission incomes and of bank earned interests, at the same time with the increase of interest expenses paid over a reference period. The quantification involves the calculation of specific indicators, of which the most common is the spread or GAP.

Suggested Citation

  • Violeta Elena Dragoi & Adelina Nicoleta Nicolescu, 2019. "Methods of Risk Management at the Banking Level," Risk in Contemporary Economy, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, pages 352-360.
    • Handle: RePEc:ddj:fserec:y:2019:p:352-360
    DOI: 10.35219/rce2067053241
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    References listed on IDEAS

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    1. Constantin ANGHELACHE & Gyorgy BODO & Marian SFETCU & Maria MIREA, 2017. "Model for analyzing the sensitivity of the bank’s risk indicators to the interest rate variation," Romanian Statistical Review Supplement, Romanian Statistical Review, vol. 65(12), pages 64-75, December.
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