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André Couto, Gonçalves, R., Pereira, L., Lopes da Costa, R., Dias, Á. & Vinhas da Silva, Rui (2022). Operational Risk Mitigation in Credit Operations. International Journal of Technology and Globalisation. 9 (1), 1

A. Couto et al.,  "Operational Risk Mitigation in Credit Operations", in Int. Journal of Technology and Globalisation, vol. 9, no. 1, pp. 1, 2022

@article{couto2022_1732403517544,
	author = "André Couto and Gonçalves, R. and Pereira, L. and Lopes da Costa, R. and Dias, Á. and Vinhas da Silva, Rui",
	title = "Operational Risk Mitigation in Credit Operations",
	journal = "International Journal of Technology and Globalisation",
	year = "2022",
	volume = "9",
	number = "1",
	doi = "10.1504/IJTG.2022.10048418",
	pages = "1"
}

TY  - JOUR
TI  - Operational Risk Mitigation in Credit Operations
T2  - International Journal of Technology and Globalisation
VL  - 9
IS  - 1
AU  - André Couto
AU  - Gonçalves, R.
AU  - Pereira, L.
AU  - Lopes da Costa, R.
AU  - Dias, Á.
AU  - Vinhas da Silva, Rui
PY  - 2022
SP  - 1
SN  - 1476-5667
DO  - 10.1504/IJTG.2022.10048418
AB  - The process of loan concession requires a thorough knowledge of the credit institution standards and regulations. Complexity of the credit granting process can cause a considerable number of undecided corporate loan proposals due to incomplete information or decided only after several internal incidents have been reported and solved. The objective of this research is to study operational risk failures in the admission process of financing. With a sample of 5,900 corporate financing proposals during the second semester of 2019, the ratio of OR incidents of 24% detected in the sample hinders the activity of all those involved in the credit risk analysis and decision. The results reveal a measurable effect in profit margin, and on the operational incident recovery period within admission of credit risk. It also shows the growing importance of OR management and how different OR events can affect bank returns.
ER  -