Credit Risk Management in Allianz Bank Bulgaria AD
Credit Risk Management in Allianz Bank Bulgaria AD
Author(s): Yoanna Peneva
Subject(s): Politics / Political Sciences, Politics, Economy, Business Economy / Management, Micro-Economics, Economic policy, Financial Markets
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: credit; risk; management; NPLs; exposure
Summary/Abstract: This study investigates “Allianz Bank Bulgaria” AD's credit risk management, focusing on methods for risk identification, assessment, and mitigation to sustain financial stability. The Bank utilizes a structured approach aligned with IFRS 9 standards, a dedicated Credit Council, and strict loan classification protocols. By maintaining low levels of nonperforming loans (2.5% as of December 2023) and a high coverage ratio (95.9%), “Allianz Bank Bulgaria” AD effectively manages its credit exposure, ensuring compliance and reducing default risks.
- Page Range: 1111-1118
- Page Count: 8
- Publication Year: 2025
- Language: English
- Content File-PDF
