UPRAVLJANJE S KAPITALOM BANKE

Tratar, Riana

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Title:	UPRAVLJANJE S KAPITALOM BANKE
Authors:	ID Tratar, Riana (Author) ID Festić, Mejra (Mentor) More about this mentor... ID Romih, Dejan (Comentor)
Files:	UNI_Tratar_Riana_2010.pdf (1,42 MB) MD5: CD4B5A007D79BD4C0AE9EAA8EFA39FAB PID: 20.500.12556/dkum/dbcfbb30-388e-41e1-bcda-2a102b0617bb
Language:	Slovenian
Work type:	Undergraduate thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	V diplomskem delu smo predstavili upravljanje s kapitalom ter upravljanje s tveganji, s katerimi se banke največkrat srečujejo pri svojem poslovanju. Upravljanje kapitala banke zahteva zaradi mnogih funkcij, ki jih opravlja, veliko pozornost. Ker je poslovanje banke izpostavljeno raznim vrstam tveganj, je kapital poleg vira financiranja tudi vir za pokrivanje nepričakovanih izgub in je glavno sredstvo, ki banki zagotavlja zaščito proti raznim vrstam tveganj ter ji tako omogoča varno in stabilno poslovanje. Pri upravljanju kapitala je pomembna alokacija kapitala, to pa določa strategija, kot poslovna odločitev na najvišji ravni. Namen strategije pri upravljanju kapitala je, da mora upoštevati in določiti želeni donos lastnikov in izpostavljenost tveganjem. Strategija banke določa upravljanje kapitala s politikami upravljanja banke, z donosnostjo in potrebami po kapitalu, ki jih določa izpostavljenost tveganjem zaradi poslovanja. Pri tem smo na kratko predstavili tudi primer upravljanja s kapitalom v Probanki d.d. Upravljanje s tveganji je za banko nepogrešljiva bančna funkcija, saj se glede na poslovanje nenehno izpostavlja tveganjem. Banka ne sme nadomestiti slabega upravljanja s tveganji z večjim obsegom kapitala, ampak mora strmeti k izboljšanju procesov upravljanja s tveganji, kajti noben obseg kapitala ni zadosten, kadar ima banka slab proces upravljanja s tveganji. Pri tem smo ugotovili, da je pomembno, da ima banka vzpostavljen učinkovit proces upravljanja s tveganji, ker le to banki zagotavlja konkurenčno prednost.
Keywords:	kapital banke, kapitalska ustreznost, Basel II, upravljanje s kapitalom, alokacija kapitala, upravljanje s tveganji.
Place of publishing:	Mačkovci
Publisher:	[R. Tratar]
Year of publishing:	2009
PID:	20.500.12556/DKUM-12845
UDC:	336.71
COBISS.SI-ID:	10282780
NUK URN:	URN:SI:UM:DK:8HFBGBJL
Publication date in DKUM:	09.07.2010
Views:	3326
Downloads:	328
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	MANAGING BANK CAPITAL
Abstract:	In the diploma thesis we introduced capital management and risk management that banks have to deal with on a regular basis when doing business. Managing bank capital requires special attention because of the many functions it performs. Since bank’s business operations are exposed to different risks, the capital is, in addition to financial source, also a source for covering unexpected losses and is a main means that ensures bank's protection against different types of risks and allows a stable operation. With capital management the important thing is its allocation, which in turn is determined by a strategy as a business decision on the highest level. The purpose of a bank’s strategy with capital management is that it has to consider and determine desired owners’ yield and risk exposures. The strategy of the bank defines capital management with bank managing policies, profitability and needs for capital, which are determined by risk exposures due to business operations. In doing so, we briefly introduced the example of capital management in Probanka d.d. Risk management is an indispensable banking function for a bank, since it is, with regard to business, always exposed to risks.A bank cannot replace weak risk management with a wider scope of capital, but it needs to strive towards improving the processes of risk management, as no scope of capital can be sufficient enough when a bank has a weak risk management process.In doing so, we found out that it is important for a bank to have an established effective process of risk management, as only this ensures the bank‘s competitive advantage.
Keywords:	bank capital, capital adequacy, Basell II, capital management, capital allocation, risk management.

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