Abstract
Q e study's propose is a theoretical and pragmatic approach of the CAMELS rating as of nancial stability analysis tool of commercial banks listed on BSE. Q e analysis made on the nancial statements of the four commercial banks listed on Bu- charest Stock Exchange during three nancial years showed that the credit risk is their point of vulnerability, having a negative in^ uence on the indicators, that are taken into account in the CAMELS model proposed. Q e calculation and the analysis of Basel III Agreement indicators are proposed in order to have an attentive monitor of the bank activity revealed that the four credit institutions listed on BSE are not yet fully prepared to implement the requirements of the agreement.
Highlights
ScientiƤc PapersBalteş Nicolae, Rodean (Cozma) Maria-Daciana “Study regarding the nancial stability of commercial banks listed on Bucharest Stock Exchange of CAMELS rating outlook”, Journal of International Studies, Vol 7, No 3, 2014, pp. 133-143
E turmoil on the nancial markets during 2007-2008, have invalidated a number of paradigms, due to the fact that many large credit institutions with international activities, they were assigned by rating agencies with lower levels of risk categories faced bankruptcy or last-minute intervention of the state so that they can continue their activity. us arose some controversy about the e ectiveness of nancial ratings as surveillance tools and on the level of trust that was given to this instrument for monitoring and evaluation of the stability of commercial banks in order to avoid an excessive level risk due to asymmetry information
It is evident from the acronym bank rating system and early warning used by National Bank of Romania, in the model using a number of indicators that are intended to re ect the stability of banks and to reduce systemic risk so they can ensure the main objective of NBR is the nancial stability. e six indicators introduced into the CAMELS model are closely monitorized by the supervisory body:
Summary
Balteş Nicolae, Rodean (Cozma) Maria-Daciana “Study regarding the nancial stability of commercial banks listed on Bucharest Stock Exchange of CAMELS rating outlook”, Journal of International Studies, Vol 7, No 3, 2014, pp. 133-143.
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