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Measures To Prevent The Risk Of Lending To Improve The Financial Performance. Analysis Of The Credit Risk Situation Within Brd - Groupe Société Générale S.A

Author

Listed:
  • Violeta Elena DRAGOI

    (”Valahia” University of Targoviste, Targoviste, Romania)

  • Elena Larisa PREDA

    (”Valahia” University of Targoviste, Targoviste, Romania)

  • Adelina Nicoleta NICOLESCU

    (”Valahia” University of Targoviste, Targoviste, Romania)

Abstract

Risk management within BRD is based on an integrated concept that takes into account statutory and regulatory standards as defined and provided by the NBR and the European Supervisory Authorities, Société Générale risk management standards and generally accepted banking practices. The purpose of the research is to analyse the global exposure of the bank to credit risk, quantified by weighted and relative indicators, deepened by studying the risk at the segments of the clientele, by sectors of activity, by seniority groups of overdue loans, ofnot impaired loans and without arrears, as well as the coverage of credits with guarantees, and it is relevant to corroborate it with the indicators that express the financial performance of the credit institution.

Suggested Citation

  • Violeta Elena DRAGOI & Elena Larisa PREDA & Adelina Nicoleta NICOLESCU, 2019. "Measures To Prevent The Risk Of Lending To Improve The Financial Performance. Analysis Of The Credit Risk Situation Within Brd - Groupe Société Générale S.A," Contemporary Economy Journal, Constantin Brancoveanu University, vol. 4(2), pages 65-74.
    • Handle: RePEc:brc:brccej:v:4:y:2019:i:2:p:65-74
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    References listed on IDEAS

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    1. Iulia Iuga, 2006. "Dimensions of the credit risk analysis process and credit risk," Annales Universitatis Apulensis Series Oeconomica, Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia, vol. 3(8), pages 1-8.
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      Keywords

      risk; credit; bank; indicators;
      All these keywords.

      JEL classification:

      • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
      • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill

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