Text in Afrikkans / Summaries in English and Afrikaans / The capital-adequacy problem is essentially concerned with the amount of capital that a bank should
maintain in order to conduct its operations in a prudent manner. Because one of the primary
functions of bank capital is to act as a risk cushion for the protection of a bank's depositors, a bank's
capital funds are often regarded as comprising an insurance element. The capital-adequacy concept,
therefore, may be seen as part of the overall banking risk, or prudential management.
An attempt has been made to indicate that bank supervisors should use not only capital ratios when
analysing a bank's capital position. Other factors, such as asset quality and other financial risks,
should also be taken in consideration.
Financial ratio analysis, however, provides bank supervisors with useful information. When
combining ratio analysis with non-quantifiable factors, bank supervisors may indeed achieve their goal
of determining capital adequacy. / Die kapitaaltoereikendheidsprobleem is hoofsaaklik gebaseer op die hoeveelheid kapitaal waaroor 'n
bankinstelling moet beskik, ten einde die bankbesigheid op 'n verstandige wyse te bedryf. Een van
die primere funksies van kapitaal is om te dien as verliesabsorberingsbuffer ter beskerming van 'n
bankinstelling se deposante, en daarom word toereikende kapitaal dikwels geag om 'n soort
versekeringselement te bevat. Die konsep van kapitaaltoereikendheid kan dus beskou word as deel
van die totale risikobestuurskonsep.
Daar is tydens die studie gepoog om aan te dui dat banktoesighouers nie net kapitaalverhoudings
behoort te gebruik om 'n bankinstelling se kapitaalposisie te ontleed nie. Ander faktore, soos
batekwaliteit en antler finansiele risiko's, moet ook in ag geneem word.
Finansiele verhoudingsgetalontledings voorsien banktoesighouers van waardevolle inligting. Indien
verhoudingsgetalle egter met nie-gekwantifiseerde inligting gekombineer sou word, kan
banktoesighouers hul doel om kapitaaltoereikendheid te bepaal, bereik. / M.Com. (Business Management)
| Identifer | oai:union.ndltd.org:netd.ac.za/oai:union.ndltd.org:unisa/oai:uir.unisa.ac.za:10500/15980 |
| Date | 01 1900 |
| Creators | Brink, Arend |
| Contributors | Van Rooyen, J. H. (Jan H.) |
| Source Sets | South African National ETD Portal |
| Detected Language | Unknown |
| Format | 1 online resource (xvii, 253 leaves) |
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