MĂSURI DE PREVENIRE A RISCULUI DE CREDITARE PENTRU ÎMBUNĂTĂŢIREA PERFORMANŢELOR FINANCIARE. ANALIZA SITUAȚIEI RISCULUI DE CREDIT ÎN CADRUL BRD-GROUPE SOCIÉTÉ GÉNÉRALE S.A.
MEASURES TO PREVENT THE RISK OF LENDING TO IMPROVE THE FINANCIAL PERFORMANCE. ANALYSIS OF THE CREDIT RISK SITUATION WITHIN BRD - GROUPE SOCIÉTÉ GÉNÉRALE S.A.

Summary/Abstract: Risk management within BRD is based on an integrated concept that takes into account statutory and regulatory standards as defined and provided by the NBR and the European Supervisory Authorities, Société Générale risk management standards and generally accepted banking practices. The purpose of the research is to analyse the global exposure of the bank to credit risk, quantified by weighted and relative indicators, deepened by studying the risk at the segments of the clientele, by sectors of activity, by seniority groups of overdue loans, of not impaired loans and without arrears, as well as the coverage of credits with guarantees, and it is relevant to corroborate it with the indicators that express the financial performance of the credit institution.

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