6533b7d2fe1ef96bd125e278
RESEARCH PRODUCT
Credit Risk Versus Performance in the Romanian Banking System
Ioana Raluca Sbârceasubject
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 riskdescription
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 bank, namely the credit risk, I will highlight the evolution of the indicators of this risk, so that I can finally analyze their degree of correlation with indicators for measuring bank performance. The situation of other financial risks in banking activity will be addressed in other works.
| year | journal | country | edition | language |
|---|---|---|---|---|
| 2017-12-20 | Studies in Business and Economics |