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Financijske krize koje su pogaĊale svijet u 20. i poĉetkom 21. stoljeća uvelike su utjecale na kreiranje zakonskih okvira za financijski sektor, posebice banke. Upravljanje rizikom u bankarstvu vaţno je, ne samo radi oĉuvanja stabilnosti bankarskog sekotra, nego i radi oĉuvanja makroekonomske stabilnosti. S tim ciljem doneseni su Baselski sporazumi kojima su postavljeni temelji moderne regulacije bankarskog sektora. Cilj ovog rada je analizirati koji europski propisi o kapitalnim zahtjevima, koliko oni prate strukturu baselskih sporazuma, te na koje sve kapitalne zahtjeve propisuju. Svrha rada je i analizom uzorka banaka u Hrvatskoj utvrditi kolika je njihova otpornost na rizike općenito, kako one upravljaju odreĊenim vrstama rizika, te koji rizici najviše utjeĉu na njihvo poslovanje. The financial crises that have affected the world in the 20th and early 21st century greatly influenced the creation of legal frameworks for the financial sector,especially for banks. Risk management in banking is important not only to preserve the stability of the banking sector but also to preserve the overall macroeconomic stability. In order to achieve the stability, Basel agreement swere adopted, which laid the foundation for modern regulation of the banking sector. The aim of this paper is to analyze existing European Union regulationon capital requirements, how it follows the Basel agreement and what are types of capital requirements. Additionally, the purpose of the paper isto analyze (sample of) banks in Croatia to determine their overall risk resilience, how the certain types of risks are managed and what risks affect the banks the most. |
