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Analysis of Bank Performance and the Risks Assumed

Author

Listed:
  • Viorica IOAN

    (Dunarea de Jos University of Galati, Romania)

  • Ioana LAZARESCU

    (Dunarea de Jos University of Galati, Romania)

  • Costinela FORTEA

    (Dunarea de Jos University of Galati, Romania)

Abstract

One of the main objectives is to optimize profits of the banks, bank performance indicates its stability and depositor confidence so should be encouraged to obtain the greatest possible performance for a stable financial system. Bank management is profit-driven, that is a top banking performance. In banking practice, various instruments for measuring and reporting bank performance are known, but one of the most efficient is the system of indicators used for this purpose. Therefore, in this paper we analyzed key indicators for assessing the performance of banking insitutions namely return on assets (ROA), return on equity (ROE), leverage, net profit rate and asset utilization. These indicators of appreciation of bank performance are highly expressive, reflecting a multitude of aspects such as the degree of profit generation, operational and managerial efficiency.

Suggested Citation

  • Viorica IOAN & Ioana LAZARESCU & Costinela FORTEA, 2020. "Analysis of Bank Performance and the Risks Assumed," Economics and Applied Informatics, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, issue 1, pages 121-127.
    • Handle: RePEc:ddj:fseeai:y:2020:i:1:p:121-127
    DOI: https://doi.org/10.35219/eai1584040990
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    References listed on IDEAS

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    1. Ivan K Cohen, 2005. "Focus on Financial Management," World Scientific Books, World Scientific Publishing Co. Pte. Ltd., number p346, February.
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