[ Essai d’application de Visual Prométhée pour le rangement des Banques Congolaises en fonction des risques ]
Volume 22, Issue 4, March 2018, Pages 267–274
Z. KASUKU WANDUMA1 and A.L. MALAIKA2
1 Faculté des Sciences, Unité de Sciences de L’Environnement, Université Libre de Bruxelles, Campus de la Plaine, CP 260, Boulevard du Triomphe, 1050 Bruxelles, Belgium
2 Faculté des Sciences Économiques et de Gestion, Université Catholique de Bukavu, BP 285, Bukavu, RD Congo
Original language: French
Copyright © 2018 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
The new financial environment reveals new risks that make the uncertain profitability of banks and the occurrence of systemic risk resulting from the bankruptcy of several banks. Share the data provided by the National Bank of the DRC, the supervisor can detect banks of fragility signs by comparing the ratios calculated for each of them to set prudential standards and classifying them, taking into account the risks. So it can expedite inspections and take corrective actions that impose and help redress the situation if not close unprofitable banks. This is the mission that we assign to our study and propose to the Congolese supervisor of banks. The question that arises is what is the consistent methodology select and recommend to the Central Bank of Congo to enable supervision to achieve its objective to detect weak banks. The selected Promethee Visual (because we are in the storage problem) in our study, using 10 banks supervised by the Congolese central bank and accepted for clearing (like shares) and the 5 criteria (capital, assets, management, earnings and liquidity) shows First Bank Corporation (FBC = B10), CITIBANK (B10), trade and development bank (BCD = B8) are managing their banking risks. Banks to watch are the Congolese Union of Banks (UCB = B2), the international credit bank, the International Bank for Africa in Congo (BIAC = B3), the Commercial Bank of Congo (BCDB = B1). Finally, the Congolese foreign trade bank (BCCE = B9), the Congolese FSB (B7), and finally the STANBIC (B6) are high-risk banks. Our study shows that the supervisor Multi-method provides a consistent procedure in assessing the performance and risk of Congolese Banks.
Author Keywords: Advanced Methods, Visual Promethee, Storage, Congolese Bank, risks.
Volume 22, Issue 4, March 2018, Pages 267–274
Z. KASUKU WANDUMA1 and A.L. MALAIKA2
1 Faculté des Sciences, Unité de Sciences de L’Environnement, Université Libre de Bruxelles, Campus de la Plaine, CP 260, Boulevard du Triomphe, 1050 Bruxelles, Belgium
2 Faculté des Sciences Économiques et de Gestion, Université Catholique de Bukavu, BP 285, Bukavu, RD Congo
Original language: French
Copyright © 2018 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
The new financial environment reveals new risks that make the uncertain profitability of banks and the occurrence of systemic risk resulting from the bankruptcy of several banks. Share the data provided by the National Bank of the DRC, the supervisor can detect banks of fragility signs by comparing the ratios calculated for each of them to set prudential standards and classifying them, taking into account the risks. So it can expedite inspections and take corrective actions that impose and help redress the situation if not close unprofitable banks. This is the mission that we assign to our study and propose to the Congolese supervisor of banks. The question that arises is what is the consistent methodology select and recommend to the Central Bank of Congo to enable supervision to achieve its objective to detect weak banks. The selected Promethee Visual (because we are in the storage problem) in our study, using 10 banks supervised by the Congolese central bank and accepted for clearing (like shares) and the 5 criteria (capital, assets, management, earnings and liquidity) shows First Bank Corporation (FBC = B10), CITIBANK (B10), trade and development bank (BCD = B8) are managing their banking risks. Banks to watch are the Congolese Union of Banks (UCB = B2), the international credit bank, the International Bank for Africa in Congo (BIAC = B3), the Commercial Bank of Congo (BCDB = B1). Finally, the Congolese foreign trade bank (BCCE = B9), the Congolese FSB (B7), and finally the STANBIC (B6) are high-risk banks. Our study shows that the supervisor Multi-method provides a consistent procedure in assessing the performance and risk of Congolese Banks.
Author Keywords: Advanced Methods, Visual Promethee, Storage, Congolese Bank, risks.
Abstract: (french)
Le nouveau environnement financier fait apparaître des nouveaux risques qui rendent la rentabilité des banques incertaine et à l’occurrence le risque systémique qui résulterait de la faillite de plusieurs banques. De part les données fournies par la Banque Nationale de la RDC, le superviseur pourra détecter des signes de fragilité des banques en comparant les ratios calculés pour chacune d’elles aux normes prudentielles définies et les classer en catégories en tenant compte des risques. Ainsi il peut diligenter des contrôles et prendre des actions correctives qui s’imposer et aider à redresser la situation si pas fermer les banques non rentables. Voilà la mission que nous assignons à notre étude et à proposer au superviseur congolais des banques. La question que l’on se pose est quelle est la méthodologie cohérent choisir et proposer à la banque centrale du Congo pour lui permettre d’atteindre son objectif de supervision afin de détecter les banques fragiles. Le Visual Prométhée choisi (car nous sommes dans la problématique de rangement) dans notre étude, en utilisant les 10 banques représentées par les lettres B1,B2,B3,B4,B5,B6,B7,B8,B9,B10 pour raison d’anonymat, supervisées par la banque centrale congolaise et admises à la chambre de compensation (comme actions) et par les 5 critères (capital, actifs, la gestion, les profits et la liquidité) montre que les banques B10, B8 gèrent bien leurs risques bancaires. Les banques à surveiller sont B2, B3, B1. Enfin, les banques B9, B7, B6 sont les banques à haut risque. Notre étude montre au superviseur que la méthode multicritère offre une procédure cohérente dans l’évaluation de la performance et de risque des banques congolaises.
Author Keywords: Méthodes multicritères, Visual Prométhée, Rangement, Banque congolaise, risques.
How to Cite this Article
Z. KASUKU WANDUMA and A.L. MALAIKA, “Application of Visual Promethee for storage of Congolese Banks in risk,” International Journal of Innovation and Applied Studies, vol. 22, no. 4, pp. 267–274, March 2018.
