Bankový dohľad na prelome tisícročí

Abstract

The existence of banking supervision is necessary for accurate functioning of banking sector. Banking supervision checks and controls if rules of prudential banking behaviour are kept. The organization of banking supervision is not the same in developed countries. The contribution is focused at necessity of existence of banking supervision at its establishment and activities. The central bank determine prudential banking behaviour, which banks must keep. The goal of rules of prudential banking behaviour is to minimize the risks of banking business. To the most important rules of the prudential banking behaviour belong for example estimating market risks and risks of clients and creating reserves to cover losses resulting from these risks, keeping the minimal capital adequacy, limiting the granting of especially risky credits, keeping to the rules of liquiditi. In the past each country determined its own rules of prudential banking behaviour. At present these rules come closer to each other. The end of this paper focused at the comprehensive evaluation of banks. It indicates also on the existence of the evaluating system CAMEL, which is the internationally spread universal standard.