Risk management in the process in the process of performing operations of merger, acquisition and absorption of banks
Journal Title: Формування ринкових відносин в Україні. Збірник наукових праць - Year 2018, Vol 5, Issue 5
Abstract
In the process of conducting operations in the corporate control market, the level of riskiness of a bank's activity the potential investors is no less interest than profitability, because after the completion of M & A operations, the risks of the acquisition are becoming their own risks. For potential investors, the most important are identifying and assessing the overall risk level of an acquisition object. For owners of the bank, which intend to sell it, the most important is the application of such management methods, which allow a significant reduction in risks in a relatively short period of time and thus increase the cost of the bank. The most suitable method is asset securitization. Securitization of bank loans is an operation in which the bank sells fully or partially issued credit, writing off it from its balance sheet before the maturity date, and transfers the right to receive the principal debt and income for it to a new creditor, and not necessarily a bank . Securitization of the Bank's assets is the most efficient and most radical method of risk management, and its evolution is recognized as an example of overcoming of credit risks, reinvestment risks, liquidity risks and legal risks. The classification of external and internal risks is considered. The basic methods for assessing the level of riskiness of banking institutions, in particular: expert, rating, financial coefficients, statistical, are determined. The advantages and disadvantages of these methods are presented.
Authors and Affiliations
M. KOVACH
Keywords
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- EP ID EP364320
- DOI 10.5281/zenodo.1304164
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