Analiza indicatorilor financiari în cadrul procesului de supraveghere bancară

Abstract

The banking activity is continuously exposed to risks, due to the complexity of the intermediation function that the banks perform. An important challenge of the banking management is the early risk identification and assessment. The analysis of the banks’ financial stability can be performed by using the Financial Soundness Indicators (FSIs), that represent a very good measure of the strengths and vulnerabilities of the financial institutions. The article represents the results of the analysis of the Moldovan commercial banks activity based on FSIs and underlines the main fields of the banking risks: capital adequacy, asset quality, liquidity, earnings and profitability, in conclusion being proposed some recommendations for improvement of the domestic banking activity and risk avoidance. JEL: G28.