RESPONSIBLE ENTREPRENEURSHIP VISION DEVELOPMENT AND ETHICS

Matrix-based model for promoting the ethics principles in romanian banking industry 299
The behaviour rules that may occur in relation with other banking institutions, mainly concern
the exchance of information, the human resources policies, the loyal competition and
etics publicity.
In their relations with the clients, the banks must watch to the confidentiality of data concerning
the clients, the quality of the products and services, the clients’ complaints, the safety
of the operations and the protection against frauds.
In relations with the employees, the banks must offer equal chances for recruiting and promotion
for the employees, promote a proper and pleasant wotking environment, motivate the
work and performance, avoid personal earnings of the employees that may occur due to the
positions they occupy (receiving presents from the clients, facilitating some services for the
clients based on affinities, using some information for personal interest, etc.).
Relating to the autorities, the banks must manifest and offer the correct and complete information,
within the limits that are stipulated by the legislation and regulations in force and to
avoid the politics pressures, when these exist.
How to promote the principles of banking ethics by using
the information within the Matrix
We know that the traditional banking analysis is based on a range of quantitative supervisory
tools regarding the liquidity, the solvency, the loan portfolio quality, the large exposures
and the open foreign exchange positions (van Greuning & Bratanovic, 2009). In order
to respond to the public interest, worried about the viability of one or another bank in a certain
market, this paper tries to develop a Matrix, a complex system of technical methods for
making a financial diagnosis of the lending and savings institutions, also to ensure compliance
with the ethics regulations in force for the general activity of the banking system.
The Matrix calculation relies on the multiple criteria analysis model as elaborated by Altman
(1968), this being in fact a correlation function in which the value of the variable is determined
in relation with the value of 18 independent variables (quantitative and qualitative ratios)
and with the correlation with 5 measurement coefficients that are assigned to each criterion.
The Matrix that we are furtheron introducing is an analysis instrument that, once in the
hands of specialists within the prudential supervisory field, may be extremely valuable.
We called it Matrix because it is capable to evaluate the reliability for a new banking
investor on the Romanian market on one hand, but also, on the other hand, to provide a good
image about its capacity to be compliance with the ethics code and with the best practices
within the social responsibility field.
Therefore, taking into account the settled prerequisites, this paper proposes – within the
Tables no. 3 and 4 a management framework model for analyzing the complex banking risk
when a bank invests in Romanian market.
The Matrix gives us a realistic solution and could indicate that, the substandard indicators
can forecast future loss and distortions in terms of long-term competitiveness of the banking
market. Or, if a bank is accepted by the prudential supervisory authority to activate on
the Romanian market, the future performance of this bank will decisevly influence the economic
relations and will also affect all the stakeholders (positively or negatively).