0000000000174314

AUTHOR

Ioana Raluca Sbârcea

showing 3 related works from this author

Credit Risk Versus Performance in the Romanian Banking System

2017

Abstract The Romanian banking sector, predominantly governed by the capital of foreign banks, is, as well as other international banking sectors, under the sign of the necessary balance that should exist between risk and performance. This is a result of banks trying to take risks that they can control, given that they need to generate financial results that are satisfactory for all categories of bank creditors, namely shareholders, depositors and other lenders. In this paper, I wanted to analyze the risk situation assumed by the main banks in the system versus the performance gained in recent years. This article is part of a wider research, so I will refer only to the main risk assumed by a…

Entrepreneurship050208 financeHF5001-6182Social Psychologycredit riskCreditorFinancial risk05 social sciencesEconomics Econometrics and Finance (miscellaneous)Control (management)Financial systemBalance (accounting)ShareholderCapital (economics)0502 economics and businessBusiness Management and Accounting (miscellaneous)Business050211 marketingroeBusinessperformanceroaCredit riskStudies in Business and Economics
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The Importance of the Sustainability of the Romanian Convergence Process to the Euro Zone

2018

Abstract Since 2007, Romania has been under the under the glance of experts in the European Union, but also under the strict monitoring of the NBR and also under the pressure of citizens and investors' expectations about the moment of euro adoption. My research concerns have also been channeled to this point of maximum interest, impact and timeliness, which is why I have proposed through this paper to highlight a synthetic situation regarding the fulfillment of the convergence criteria from the moment of accession to the European Union, to the present. The objective of this paper is to reflect, in dynamics and correlation, the degree of fulfillment of the nominal and real convergence criter…

HF5001-6182Social PsychologyEconomics Econometrics and Finance (miscellaneous)Discount pointsAccessionPolitics0502 economics and businessEconomicsmedia_common.cataloged_instanceBusinessEuropean unionmedia_commonconvergence050208 financeRomanian05 social sciencesLegislaturesustainabilitylanguage.human_languageSustainabilityeurolanguageBusiness Management and Accounting (miscellaneous)050211 marketingConvergence (relationship)Economic systemStudies in Business and Economics
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Risk of Interest Rates at the Level of Commercial Banks in Romania

2017

AbstractThe banking system in Romania is a banking system under development, subject to fluctuations that exist on the market more than on more developed banking systems, fluctuations that can generate losses for banks if they are not properly managed. The losses that may be generated by these fluctuations, known as market risk, refer to the significant fluctuations in three indicators, namely the interest rate, the exchange rate and the asset price. In this article, I will analyse the interest rate risk from a conceptual point of view and the indicators that mitigate this risk. The analysis also contains a study of this risk among commercial banks in the system to highlight the level of ri…

sensitivity indexMilitary ScienceUmedia_common.quotation_subjectEconomicsgapFinancial systemmarket riskbanking systeminterest rateInterest ratemedia_commonLand Forces Academy Review
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