ANÁLISIS DEL RIESGO FINANCIERO DE LA ENTIDAD “KUTXABANK” EN EL PERIODO 2014-2018
Fecha
2019-05
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Jaén: Universidad de Jaén
Resumen
[ES] La crisis financiera del año 2008 fue el punto de inflexión de un sistema financiero que puso en evidencia sus numerosas debilidades hasta el punto de casi llegar al abatimiento. Desde ahí, y a través de numerosas políticas y acuerdos de los organismos nacionales e internacionales, unido a la necesidad de subsistir de las entidades de crédito, ha hecho que once años más tarde dispongamos de un sistema que ha aprendido de la experiencia pasada para poner entre sus principales protecciones el disponer del conocimiento necesario para minimizar las posibles consecuencias que pudieran volver a aparecer en años venideros.
Además del análisis conceptual del riesgo patente en las entidades de crédito, y su evolución a lo largo de estos años, se analiza financieramente, a través del método CAMEL, la entidad Kutxabank durante el periodo comprendido entre 2014-2018 con el fin de conocer el nivel de vulnerabilidad que posee la misma.
[EN] The financial crisis of 2008 was the turning point of a financial system that showed its many weaknesses to the point of almost reaching depression. From there, and through numerous policies and agreements of national and international organizations, together with the need to survive of credit institutions, has made that eleven years later we have a system that has learned from past experience to put between its main protections have the necessary knowledge to minimize the possible consequences that may appear again in coming years. In addition to the conceptual analysis of the patent risk in credit institutions, and their evolution over these years, Kutxabank is financially analyzed, through the CAMEL method, during the period comprised between 2014-2018 in order to know the level of vulnerability that it has.
[EN] The financial crisis of 2008 was the turning point of a financial system that showed its many weaknesses to the point of almost reaching depression. From there, and through numerous policies and agreements of national and international organizations, together with the need to survive of credit institutions, has made that eleven years later we have a system that has learned from past experience to put between its main protections have the necessary knowledge to minimize the possible consequences that may appear again in coming years. In addition to the conceptual analysis of the patent risk in credit institutions, and their evolution over these years, Kutxabank is financially analyzed, through the CAMEL method, during the period comprised between 2014-2018 in order to know the level of vulnerability that it has.