As it is the case the global financial crisis has affected some countries more than others and it also affected some banks more than others as well. Accordingly global crisis was more destructive in some countries where many banks went bankcrupt or survived wth the support from their states. The global financial crisis that is started in the USA and later spreaded in Europe, alongside damaging the EU countries, hurted other countries those were economically and/or financially integrated with EU countries. Banks are becoming sensitive to crisis due to the risk they carry on their balance sheets. The effects of crisis are strengthened by two dimensions of risk namely volatility and sensitivity. Volatility is exegenous for banks. Thus banks get affected by crisis due to their sensitivity to risk which is under their control. In line with their risk apetite banks change the structures of their balance sheets that eventually determine their sensitivity to risk. In this work, the balance sheet structures of 213 banks (commercial, savings and cooperative) in 12 Balkan countries were examined and compared for the period of 2006-2012. Within this framework it has been aimed to analyse the trends in credit risk, liquidity risk, interest rate risk and operational risk. Banks were handled from different perspectives such as being EU mamber or not, their sizes, and their geographical regions
as it is the case the global financial alert has affected some countries more than others and it is also affected some banks more than others have been thoroughly tested global violence because more destructive in some countries where many banks have gone bankcrupt or conservatived wth the support from their state of global financial force that has started in the usa and later spreaded in europelaw the eu countries hurted other countries were among those who were economically and047or financially integrated with eu countries are becoming sensitive to due to the risk they made due to their financially integrated in financially integrated in the financially integrated in eu countries are becoming known sensitive to due due to the risk of financially due to financially resulting balance files in financially linked to financially accessible in financially distribution of financially linked to financially distribution of the financially distribution of financially linked to the financially distribution of tax failure to the financially distribution of tax failure to the financially in the financially distribution of financially distribution of tax failure to the financially significant value of tax failure to the financially in the financially in the financially in the financially resulting financially resulting financially resulting financially resulting financially linked to financially known as significant value of
Dergi Türü : Uluslararası
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