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The Banking Sector - Influence Factors Of Banking Performance

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  • Mirela CIOCAN

    (Dunarea de Jos University of Galati, Romania)

Abstract

The paper examines how the banking system is organised in Romania. By comparing the organization of the banking system in Romania with banking systems of certain countries in the European Union, banks typology is highlighted at the international level. The aim of this paper is to highlight the factors influencing the Romanian banking system, the banking system role in the economy as well as the objectives of Romanian banking system. This paper examines indicators as: return on equity, return on assets, leverage effect, profit rate and the rate of assets utilization, in order to identify the methods of quantifying the performance of the Romanian banking system, by reference to two commercial banks, namely Transilvania Bank and Intesa Sanpaolo Bank. After the analysis and calculation of these indicators, we can notice a good situation of the banks concerned. In order to improve Romanian banking system are under consideration: reducing the costs of banking intermediation, raising the coverage levels at European level and reducing the compulsory reserves. After the analysis of organization the banking system in Romania and comparing banking systems at the level of some countries of the European Union we can conclude that national banking system has its own particularities, in terms of banks name, types of activities covered under this name as well as those at European Union level.

Suggested Citation

  • Mirela CIOCAN, 2014. "The Banking Sector - Influence Factors Of Banking Performance," Risk in Contemporary Economy, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, pages 457-464.
    • Handle: RePEc:ddj:fserec:y:2014:p:457-464
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    References listed on IDEAS

    as
    1. Friedman, Milton, 1982. "Monetary Policy: Theory and Practice," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 14(1), pages 98-118, February.
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