إدارة المخاطر في البنوك التجارية -دراسة حالة بنك الخليج لولاية المدية

Abstract

The financial and banking sector has witnessed several developments as a result of globalization, the expansion of global markets, and the shift towards a market economy, alongside new financial innovations and modern information technologies. In light of these global developments, commercial banks have adopted new banking activities and functions that differ from their traditional ones. With the diversification of services, increased competition, and pressures, commercial banks strive to achieve the highest returns, which has resulted in increased exposure to risks. This has led to the development of banking supervision methods and risk management techniques. In response to these developments, the Basel Committee has issued several proposals for banking supervision and control, making it necessary to monitor the level of risks surrounding banking operations and to implement the best practices in risk management in commercial banks. Therefore, we supported our research with a field study at Gulf Bank, Medea branch, by discussing the various risks the bank faces and how they are managed.