Abstract:

Credits are indispensable financial resources for ensuring economic developments of countries. Risks in credits, offers an inseparable situation. In today’s banking system, the credit risk is undoubtedly the most important source of risk. Therefore, credit risk management has become the most important risk management activity. The first step in the process of credit risk management is to identify and measure the risks banks may face at any moment and using new techniques to protect themselves from risks. The goal of credit is management processes is to create an effective loan portfolio management, implement accurate pricing and optimize the risk-return balance. In this study, it is aimed to investigate the application risk of HSBC Bank, to examine risk management policies of operating out activities internationally of HSBC Bank. And assessment of risk disclosures within the scope of the of activity reports Turkey 2014 year. According to the findings of the study, the bank constantly monitors especially credit risks. HSBC Bank activity result realized in values close to the sector average. 

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