Evaluating the Romanian Banking System Based on the Main Prudential Indicators

Annals of the University of Petrosani, Economics, Vol. 7, pp. 123-128, 2007

6 Pages Posted: 19 Dec 2008

See all articles by Imola Driga

Imola Driga

University of Petrosani

Codruta Dura

University of Petrosani

Date Written: December, 19 2008

Abstract

The general term of internal audit was established in relation to the financial accounting activity; this notion was gradually replaced by a new approach which expands the sphere of the audit so that the preoccupation for the future is very important for any audit activity. If forming and consolidating a favorable image of the bank among service consumers represents a marketing problem, then solving it requires numerous instruments from the marketing policies; the most important role is attributed to the audit. The final goal of the marketing audit is drawing up a table regarding the performances and the efficiency of the bank, in relation to the risks involved by financial institutions and its operations. In this respect, specialists in banking management have come up with different models of calculations and rating systems in their trials to obtain the most accurate scan of the "state of health" of the banks, and moreover in their trials to identify the institutions which face financial and operational difficulties leading to bankruptcy.

Keywords: bank rating system, supervising activity, prudential indicators

JEL Classification: G21, G28

Suggested Citation

Driga, Imola and Dura, Codruta, Evaluating the Romanian Banking System Based on the Main Prudential Indicators (December, 19 2008). Annals of the University of Petrosani, Economics, Vol. 7, pp. 123-128, 2007, Available at SSRN: https://ssrn.com/abstract=1318044

Imola Driga (Contact Author)

University of Petrosani ( email )

20, Str. Universitatii
Petrosani 332006
Romania

Codruta Dura

University of Petrosani ( email )

20, Str. Universitatii
Petrosani 332006
Romania

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