Análise de risco de crédito nas instituições financeiras: o caso do Standard Bank, SARL

Abstract

The present work, with the theme “Analysis of Credit Risk in Financial Institutions: Case of Standard Bank, SARL”, intends to show how financial institutions (specific case of Banks) are concerned with credit risk in their customer portfolio. Credit has always been an extremely important instrument in doing business, providing resources for economic growth and development. It is an element present in practically all financial policies of companies, as a way to raise resources for investment or funding their activities. However, the granting of credit by banks is subject to a risk. In this context, risk management has recently come to occupy a prominent position in the financial management of banks, especially as a result of credit expansion, market growth and globalization. In Mozambique, risk management is motivated by the need to ensure and reinforce the stability of the financial system and the economy in general. The research was exploratory and descriptive, which took the form of a case study with Standard Bank. The collection of primary data was possible through a questionnaire and secondary data through bibliographic research. As a result, it was concluded that Standard Bank has a bad to relatively low credit ratio relative to other banks, which presupposes that it has good credit risk management policies