engleski

Managing Credit Risk in Croatian Banking Sector

Credit risk is one of the most important risk banks have to deal with. Due to that fact it is important for banks to be aware of the need to identify measure, monitor and manage credit risk. Basel 2 - International Convergence of Capital Measurement and Capital Standards, as a set of internationally acceptable rules of behavior in banking sector, give recommendations and basic principles for risk management as well as rules for minimum capital requirements calculation. In this paper it is discussed how banks in Croatia manage credit risk in terms of methods and tools they use and activities they take in order to comply with Basel 2 standards. A survey research has been conducted with aim to examine the usage of business intelligence tools in the Croatian banking system. Further it is discussed which problems and expectations banks are facing related to credit risk management and Basel 2 as well as what are the major challenges, motivation and preliminary activities for Basel 2 implementation in Croatia.

managing risk; banking sector; business intelligence

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