Risk Management in the Banking System

Banke su financijske institucije koje se osnivaju kao dionička društva čiji je osnovni predmet poslovanja prikupljanje i pribavljanje novčanih sredstava i njihovo usmjeravanje klijentima u obliku kreditnih i nekreditnih plasmana. Rizici su neminovnost i nezaobilazan detalj svakodnevnice, bilo osobne, bilo poslovne. Oni ugrožavaju i dovode u pitanje ciljeve i postignuća, stoga ne čudi što im se daje i mora davati veliki značaj. Kao dio odgovora na problematiku rizika, a u svrhu zaštite interesa, značajno se razvilo područje upravljanja rizikom. Osnovni je cilj upravljanja rizicima povećanje transparentnosti rizika kako bi se olakšali cjelokupni procesi upravljanja i odlučivanja te donošenje poslovnih odluka koje će maksimizirati uspješnost poslovanja. Smatra se kako je kreditni rizik jedan od najvažnijih čimbenika koji utječe na zarade banaka. Jednostavnije rečeno, svako zakašnjenje ili izostanak povrata ugovorene glavnice i kamata reducira stvarni dobitak banke te na taj način smanjuje njenu stvarnu vrijednost. Grupa Zagrebačke banke u kontinuitetu ostvaruje dobre poslovne rezultate zahvaljujući univerzalnom poslovnom modelu, dobroj reputaciji, odličnom pristupu primarnim izvorima financiranja i visokoj razini kapitala. Grupa Zagrebačke banke zadovoljava minimalne zahtjeve za održavanjem regulatornog kapitala sukladno zaključcima kolegija supervizora matične grupe kojim se utvrđuje adekvatna razina regulatornog kapitala na pojedinačnoj i konsolidiranoj osnovi.Banks are financial institutions that are formed as joint stock companies whose core business is collecting and obtaining cash and his directing to clients in the form of credit and non-credit placements. Risks are inevitability and unavoidable detail of everyday life, whether personal or business. They endanger and question the goals and achievements, so it is not surprising that they are given and must be given of great importance. As part of the response to the risk issue, and for the purpose of protecting interests, a significant risk management area has developed. The primary objective of risk management is to increase risk transparency in order to facilitate the overall management and decision making process and to make business decisions that will maximize business performance. Credit risk is considered to be one of the most important factors which is affecting bank earnings. Simply put, any delay or absence of repayment of contracted principal and interest reduces the actual profit of the bank and thus reduces its real value. The Zagreb Bank Group continuously achieves good business results thanks to a universal business model, good reputation, excellent access to primary sources of finance and high capital level. The Zagreb Bank Group meets the minimum requirements for maintaining regulatory capital in accordance with the conclusions of the core group supervisor course, which establishes an adequate level of regulatory capital on an individual and consolidated basis