Abstract:
The risk can have a considerable impact on the value of the bank, an impact as such (usually under the form of losses directly supported), as well as an induced impact caused by the effects on the customers, staff, partners and even on bank authority. Bank risk can be defined as a phenomenon that can appear during bank operations development and that can provoke negative effects on respective activities, through deteriorating the businesses quality, through profit diminishing or even loss recording. A global management of risks must ensure to the banking company the possibility to identify and appraise, control the risks, diminish their influence and not lastly, to finance the risks. Global management of banking risks must be a component of banking management system and must be used in this respect.