АНАЛИЗ И УПРАВЛЕНИЕ НА РИСКА В БАНКОВИЯ СЕКТОР В БЪЛГАРИЯ: РЕГУЛАТОРНИ ИЗИСКВАНИЯ, ФИНАНСОВИ ОТЧЕТИ И УСТОЙЧИВОСТ
ANALYSIS AND RISK MANAGEMENT IN THE BANKING SECTOR IN BULGARIA: REGULATORY REQUIREMENTS, FINANCIAL STATEMENTS AND SUSTAINABILITY

Summary/Abstract: The present research analyses risk management in the banking sector in Bulgaria within the context of a dynamic economic environment and heightened regulatory requirements. The primary focus is on identifying and assessing key risks faced by banks, including credit, market, liquidity, and operational risks. The study examines capital adequacy, asset quality, liquidity, and profitability as critical factors for sector stability. Additionally, the research highlights the role of financial statements as a tool for transparency and assessment of risk exposures, enabling banks to ensure trust among investors and regulators. It also explores the impact of digitalization and the increasing ESG reporting requirements on banking models, as well as the need for adaptation to new market realities.

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