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Risk in the European banking system
Abstract
The paper analyses the level of risk in the European banking system in the fourth quarter of 2022. The analysis covers: capital adequacy, profitability, credit risk and asset quality, market risk, operational risk and liquidity and funding risk. The overall position of EU banks is good - they have strong capital and liquidity positions. Credit risk is at the relatively low level (although macroeconomic risks may increase it in future periods). Market risk is low. Operational risk remains fairly high, mainly due to IT risk. Some challenges may lie in securing stable funding, influenced by the recent bank failures in the US and Credit Suisse, which significantly increased uncertainty in financial markets and raised the cost of funding for banks. Currently, external factors are mainly the key risk factors for European banks.
Keywords:
banks, banking sector, risk, profitability, capital adequacy, liquidityJEL Codes
G21, G32, L25Most read articles by the same author(s)
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