This work aims to make a practical application of an analysis with financial ratios and then draw several conclusions. Through these, we can highlight that the company obtains guidelines for its strategy in terms of implementation and control. The different ratios support different areas and should therefore be analyzed by type of ratio. This study is an academical example, and should be seen by this point of view

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The Basel III will have a significant impact on the European banking sector. In Depending on the requirement of Basel II for banks and their supervisors to assess the soundness and adequacy of internal risk measurement and credit management systems, the development of methodologies for the validation of internal and external evaluation systems is clearly an important issue . More specifically, there is a need to develop tools to validate the systems used to generate the parameters (such as PD, LGD, EAD and ratings of perceived risk) that serve as starting points for the IRB approach for credit risk. In this context, the work is composed of a number of approaches and tools used to evaluate the robustness of these elements IRB systems.

1. Noção de risco2. Apresentação de um caso2.1 Situação de independência2.2 Situação de total dependência2.3 Situação de alguma dependência2.4 Comparação de situações3. Extensão da fórmula de cálculo do desvio-padrão (risco) para n períodos4. Cálculo da probabilidade de ocorrência5. A utilização da simulação Monte Carlo