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Banking Management Regarding Operational Risks


  • Anca – Ioana BUMBENECI

    () (University of Craiova, Romania)


Banks are functioning in a complex economic environment, which becomes increasingly dynamic whenever the competition gets stronger. The risks implied by the banking activity have a multiple determination, starting from the specific features of their own operations, to the features of the internal and external environment. Under the Basel Agreement, the operational risk is approached depending on the category of events in which it is included. The Basel II Agreement uses three measuring methods: a fixed percentage (15%) of the average anual bank income (over the last three years), a variable percentage (between 12 and 18%) of the gross bank income (corresponding to the category in which the bank is included) and a combined methos based on the validity of the bank income. The operational risk management system involves 4 key-processes: identification, assessment, analysis and control – reduction of the risk. Each key process operates with relatively standardized measures.

Suggested Citation

  • Anca – Ioana BUMBENECI, 2011. "Banking Management Regarding Operational Risks," REVISTA DE MANAGEMENT COMPARAT INTERNATIONAL/REVIEW OF INTERNATIONAL COMPARATIVE MANAGEMENT, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 12(3), pages 533-540, July.
  • Handle: RePEc:rom:rmcimn:v:12:y:2011:i:3:p:533-540

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    References listed on IDEAS

    1. Con Keating & Hyun Song Shin & Charles Goodhart & Jon Danielsson, 2001. "An Academic Response to Basel II," FMG Special Papers sp130, Financial Markets Group.
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    More about this item


    Basel Agreement; operational risk; measuring method; operational risk management; relatively standardized measures.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • M10 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - General


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