engleski

Managing operational risk in banks: Croatian case

Banks are exposed to different risks such as credit risk, liquidity risk, interest rate risk, equity risk, foreign exchange risk and operational risk. Latter of those risks is in the focus of this paper. For long time operational risk wasn’t considered as important but now days there is a need for efficient management of operational risk which implies appropriate measurements. Annual reports of banks provide information of how much capital requirements is engaged for operational risk. Banks can use either standardized or advanced approach for calculating initial capital requirements. Operational risk management is important for maximization of yield rate in banks in order to reach better financial result in banking industry. In this paper data form Croatian national bank were used and according to that most banks in Croatia use standardized approach for calculation of capital requirements for operational risk. Data available on the banks’ websites was used for deriving conclusions about operational risk management in Croatian banks.

operational risk, bank, management, Croatia

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