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SM ISO690:2012 ABABII, Victor. Model of banking activity and maximizing profit. In: Simpozion Ştiinţific Internaţional al Tinerilor Cercetători : Culegere de articole selective, Ed. Ediţia a XVII-a, 24-25 aprilie 2019, Chişinău. Chişinău Republica Moldova: Departamentul Editorial-Poligrafic al ASEM, 2019, Ediţia 17, pp. 168-172. ISBN 978-9975-75-962-5. |
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Simpozion Ştiinţific Internaţional al Tinerilor Cercetători Ediţia 17, 2019 |
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Conferința "Simpozion Ştiinţific Internaţional al Tinerilor Cercetători" Ediţia a XVII-a, Chişinău, Moldova, 24-25 aprilie 2019 | ||||||
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JEL: G20, G21 | ||||||
Pag. 168-172 | ||||||
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Rezumat | ||||||
Banking activity in the Republic of Moldova under the impact of community values and regulations is a very important topic in establishing the relations between the National Bank of Moldova and the activity of commercial banks. The purpose of the research arises from the need to analyze the shaping of a banking activity model that perfectly combines with the established performance management by the bank's management. The ultimate aim is to maximize profit under regulatory conditions at both micro-prudential and macro-prudential level. The Theoretical part aims to examin theories on the concept of banking planning. The applied direction is to determine the instruments for measuring and reproducing the banking performance as well as the analysis of the evolution of the banking performance indicators: profitability, operational and managerial efficiency. The elements of a banking business model are a three-table system that is in perfect correlation, these are the balance sheet, the forecast of the financial result and the forecast of the equity movement. The system of indicators used are those of banking performance, namely those that involve the diagnosis of profitability: return on equity and economic profitability. Over time, the economic system of the Republic of Moldova experienced both major ups and downs and recessions. From the analysis of performance indicators, we note that banks have perfectly adapted the banking model to maximize profit. Thus, the banking performance is first aimed at determining the bank's solidity, its degree of exposure to the various risk categories and then the level of its effectiveness. |
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Cuvinte-cheie Economy, banking system, business model, profit, regulations. |
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