Comparison Of Operational Risk Measurement Methods By Depending On Basel Criterions: A Case Study

Banks, in order to maintain their presence in the economic system are exposed to various risks. One of these risks is operational risk. Operational risk; only the processes, systems and people, are not caused by, also with reasons not in control and as a result of not complying regulations, may occur. In order to prevent this risk, banks, by using one of the calculation methods specified in the legislation, are required to calculate own operational risk and allocate capital in proportion to this risk. Considered to the capital to be allocated, will be almost idle and can not be used effectively in the real sense, the purpose of the banks is; to minimize the amount of capital to be allocated for these risks within the framework of rules and get the advantage, so to use resources more efficiently. Banks have to increase resources and reduce its costs because of intense competition in financial markets. Reducing capital requirements for operational risk means to use capital as resources. Therefore, to achieve competitive advantage and want to ensure efficient use of resources, banks want to minimize operational risk capital requirements. In this study, banks’ operational risks and their calculation methods are mentioned, by making an example application it is tried to determine the method which will be more useful to choose for banks. We can perform the calculation of the three methods is most beneficial for the bank is understood that alternative approaches to Standard Methods.