The impact of investment risks on the financial performance of banks according to Basel III | Вестник Томского государственного университета. Экономика. 2025. № 71. DOI: 10.17223/19988648/71/15

The impact of investment risks on the financial performance of banks according to Basel III

Риски банковских операций возросли с расширением деятельности банков и разнообразием их услуг. В статье были классифицированы риски по степени их значимости. При этом риски, которые ранее считались менее важными,были включены в категорию рисков с высокой степенью значимости после возникновения финансовых кризисов и последствий, которые последовали за ними. Идентификация рисков была проведена после кризиса субстандартного кредитования в США. Пять основных рисков угрожают банковским операциям, а именно, процентный риск, риск ликвидности, рыночный риск, риск капитала и операционный риск. Целью настоящего исследования является анализ и оценка влияния решений Базельского комитета по банковскому надзору, направленных на ограничение этих рисков и избежание банками финансовых и инвестиционных рисков, а также на предотвращение попадания в другие финансовые кризисы в будущем. В статье также проанализированы поправки к соглашениям Базель 1, 2 и 3 с учетом влияния пандемии коронавируса. В добавление к этому дана оценка влияния инвестиций на финансовые результата: банков в соответствии с решениями Базеля. Авторы заявляют об отсутствии конфликта интересов.

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Ключевые слова

финансовые риски, инвестиционные риски, управление рисками, достаточность капитала, базельский комитет, саудовские банки

Авторы

ФИО	Организация	Дополнительно	E-mail
Мадани Шахиназ	Национальный исследовательский Томский государственный университет	магистрант по направлению 5.2.4 Финансы	madanichahinaz@yandex.ru
Ткаченко Людмила	Национальный исследовательский Томский государственный университет	кандидат экономических наук, доцент кафедры финансов и учета Института экономики и менеджмента	ludmila.i.tkachenko@gmail.com

Всего: 2

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