Banking. Bank ratings. Bank Management (BM) Assessment (most important)

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Banking. Bank ratings. Bank Management (BM) Assessment (most important)

Lecture notes, cheat sheets

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Topic 11. Bank ratings. Bank Management Assessment (BM)

BM is a system of control measures taken by organizational structures to ensure the movement of credit resources, the purpose of which is to achieve both micro and macroeconomic priorities (Banking management, Management lecture notes, Strategic management lecture notes). Management must be of high quality, effective and adequate, therefore, the question of management assessment arises. Management is reflected as a component of the assessment of banking activities in a number of rating systems (for example, "CAMEL", used in the USA). CAMEL (C - capital adequacy; A - quality of assets; M - quality of management; E - profitability, profitability, profitability; L - liquidity). Three rating methods:

1) number (quantitative indicators);

2) index method (a group of quantitative indicators, for example reliability);

3) point method (camel, expert survey).

The indicators by which BM is assessed are divided into categories:

1) Condition and performance indicators by which bank management is assessed:

a) capital adequacy, asset quality, profitability, liquidity;

b) speed of transactions; c) customer satisfaction, etc.

2) Personnel indicators, their compliance with regulatory requirements:

a) composition and competence;

b) maintaining discipline in domestic policy; c) compliance with all regulations and compliance with laws; d) the ability to anticipate changes in personnel market conditions.

3) Social indicators:

a) staff attitude towards work;

b) the degree to which social problems are solved.

When management is of poor quality, it is the cause of bank risks - this is the so-called mismanagement - a type of management that characterizes both unintentional errors and illegal actions of bank personnel, lack of control.

Mismanagement happens:

a) technical (when the bank is young; inexperienced management; the bank changes management);

b) cosmetic (the goal is to create the appearance that the bank is healthy); c) fraudulent or opportunistic.

Authors: Shevchuk D.A., Shevchuk V.A.

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