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The Relation Between Profitability, Capital Requirements And The Structure Of Assets-Liabilities In Banks

Author

Listed:
  • Trenca Ioan

    (Faculty of Economics and Business Administration, Department of Finance, Babes-Bolyai University, Cluj-Napoca, Romania, Faculty of Economics and Business Administration, Department of Finance, Babes-Bolyai University, Cluj-Napoca, Romania)

  • Zapodeanu Daniela

    (Faculty of Economic Sciences, Department of Finance, University of Oradea, Oradea, Romania, Faculty of Economic Sciences, Department of Finance, University of Oradea, Oradea, Romania)

  • Cociuba Mihail Ioan

    (Faculty of Economic Sciences, Department of Finance, University of Oradea, Oradea, Romania, Faculty of Economic Sciences, Department of Finance, University of Oradea, Oradea, Romania)

Abstract

As a result of the direct connection between the banking system an economic growth and development it is important to have a clear picture regarding the evolution and stability of the banking sector. Economic shocks and economic cycles influence the stability and resilience of the financial sector, the mainly cyclical nature of the bank sector, raises serious problems for the supervisory institutions, which is one of the reasons why Basel III proposes new instruments in order to create additional capital buffer during the boom period. The level of risk has increased over the levels of 2011-2012 period, due to an increase in the market/liquidity risk and the emerging market risk. There is also an increase in the credit risk, especially in the developed markets the determining factors being a decline in stock prices of banks and a rising in the credit spreads (IMF, 2016).

Suggested Citation

  • Trenca Ioan & Zapodeanu Daniela & Cociuba Mihail Ioan, 2016. "The Relation Between Profitability, Capital Requirements And The Structure Of Assets-Liabilities In Banks," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(2), pages 383-392, December.
    • Handle: RePEc:ora:journl:v:1:y:2016:i:2:p:383-392
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    More about this item

    Keywords

    bank assets-liabilities; correlation; financial crises; balance sheet;
    All these keywords.

    JEL classification:

    • C31 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models; Quantile Regressions; Social Interaction Models
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G01 - Financial Economics - - General - - - Financial Crises

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