Abstract:
Investigating risk in the banking industry is not only vital for maintaining the financial health of banks but also helps in creating trust in financial markets and protecting customer interests. Therefore, the aim of the present research is to identify the factors affecting liquidity risk, credit risk, operational risk, and market risk in the banking industry. To achieve this goal, a sample including 25 banking experts was selected during the month of Mehr in the year 1403 using the snowball method, and the required data were collected through semi-structured interviews; then, the experts' opinions were analyzed through thematic analysis using MAXQDA software. The results of the research showed that various dimensions, including macro characteristics, environmental features, and financial characteristics, have been considered regarding risk in the banking industry, some of which are specific to the Iranian environment and have not been examined in global rankings. Given that domestic rating agencies have not yet announced the credit ratings of banks, the results of this research can be considered for determining the influential indicators in determining the credit rating of banks.
Machine summary:
Additionally, global market fluctuations (such as the price of oil, gold, and currency) can affect the value of assets and [increase] market risk 16 Main Theme First-level Sub-theme Second-level Sub-theme Use of modern technology - system for establishing communication between the bank and the customer Training, sense of organizational belonging, compensation system, options, hierarchy, career advancement Personality characteristics of personnel Encouragement, mandatory certification, other income sources, staff risk appetite, succession planning, internal system for customer ranking, past credit behavior of customers, increasing the responsiveness level of banks, type of bank mission, delay in providing information, lack of ranking Integrated and connected banking network (locking the individual in case of default) Absence of a credit policy document, experience and education level of board members Collateral valuation, credit capacity assessment models, lengthy judicial procedures Linking bonuses and performance evaluation to risk management indicators or other matters Entrepreneurship, negative competition Lack of independence of auditing institutions Conflict of interest, agility, legal problems, relations, branch ranking Inefficient use of human resources Bank activity history growth rate, geographical diversity Continued credit assessment after granting facilities Inadequacy of documents, existence of special auditing, management risk, risk management team 15 Based on the thematic analysis technique, the factors affecting risk in the banking industry have been classified into three general groups including macro characteristics, environmental characteristics, and financial characteristics.
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