Znaczenie wymogów kapitałowych w sektorze bankowym
The paper attempts to present the significance of capital requirements in the Polish banking sector, through the analysis of literature, financial reports and financial data in relation to bank risk. Based on the literature review, we can conclude that the main purpose of capital requirements is to...
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| Format: | Article |
| Language: | English |
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University of Warsaw
2022-01-01
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| Series: | Studia i Materiały |
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| Online Access: | https://press.wz.uw.edu.pl/sim/vol2022/iss1/2/ |
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| author | Ilona Sobień |
| author_facet | Ilona Sobień |
| author_sort | Ilona Sobień |
| collection | DOAJ |
| description | The paper attempts to present the significance of capital requirements in the Polish banking sector, through the analysis of literature, financial reports and financial data in relation to bank risk. Based on the literature review, we can conclude that the main purpose of capital requirements is to improve the quality of banks’ loan portfolios and to prevent their failure, which reduces systemic risk. However, adequate recapitalization of banks is not the solution to the problem, attention should also be paid to the proper management of bank risk. Supervision of the banking sector, including monitoring of bank risk levels, is supported by the introduction of new macroprudential regulations to improve and maintain the stability of the financial system. However, it is worth noting that overly restrictive regulatory requirements may put too much of a cost burden on banks, so it is important to strike a balance in introducing new regulatory rules. Financial data in relation to capital requirements show how important credit risk is in banking activities, so it is important for banks to maintain the quality of their loan portfolios, which is reflected in the costs incurred in the future. |
| format | Article |
| id | doaj-art-adf2fb83166e4063afe6577338e734bc |
| institution | DOAJ |
| issn | 1733-9758 |
| language | English |
| publishDate | 2022-01-01 |
| publisher | University of Warsaw |
| record_format | Article |
| series | Studia i Materiały |
| spelling | doaj-art-adf2fb83166e4063afe6577338e734bc2025-08-20T02:59:11ZengUniversity of WarsawStudia i Materiały1733-97582022-01-0120221152810.7172/1733-9758.2022.36.2Znaczenie wymogów kapitałowych w sektorze bankowymIlona Sobień0https://orcid.org/0000-0001-8773-934XWydział Zarządzania, Uniwersytet Warszawski, PolskaThe paper attempts to present the significance of capital requirements in the Polish banking sector, through the analysis of literature, financial reports and financial data in relation to bank risk. Based on the literature review, we can conclude that the main purpose of capital requirements is to improve the quality of banks’ loan portfolios and to prevent their failure, which reduces systemic risk. However, adequate recapitalization of banks is not the solution to the problem, attention should also be paid to the proper management of bank risk. Supervision of the banking sector, including monitoring of bank risk levels, is supported by the introduction of new macroprudential regulations to improve and maintain the stability of the financial system. However, it is worth noting that overly restrictive regulatory requirements may put too much of a cost burden on banks, so it is important to strike a balance in introducing new regulatory rules. Financial data in relation to capital requirements show how important credit risk is in banking activities, so it is important for banks to maintain the quality of their loan portfolios, which is reflected in the costs incurred in the future.https://press.wz.uw.edu.pl/sim/vol2022/iss1/2/banking riskbank profitabilitycapital requirementsbasel iii |
| spellingShingle | Ilona Sobień Znaczenie wymogów kapitałowych w sektorze bankowym Studia i Materiały banking risk bank profitability capital requirements basel iii |
| title | Znaczenie wymogów kapitałowych w sektorze bankowym |
| title_full | Znaczenie wymogów kapitałowych w sektorze bankowym |
| title_fullStr | Znaczenie wymogów kapitałowych w sektorze bankowym |
| title_full_unstemmed | Znaczenie wymogów kapitałowych w sektorze bankowym |
| title_short | Znaczenie wymogów kapitałowych w sektorze bankowym |
| title_sort | znaczenie wymogow kapitalowych w sektorze bankowym |
| topic | banking risk bank profitability capital requirements basel iii |
| url | https://press.wz.uw.edu.pl/sim/vol2022/iss1/2/ |
| work_keys_str_mv | AT ilonasobien znaczeniewymogowkapitałowychwsektorzebankowym |