Credit Risk Versus Performance in the Romanian Banking System

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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.

Badea, L. (coord), Socol, A., Drăgoi, V., Drigă, I. (2010), Banking risk management, Ed. Economică, Bucharest, Romania.

BCE, (2010), Beyond ROE - How to measure bank performance, available at

Financial statements of BCR (2013-2016), available at,

Financial statements of BRD (2013-2016), available at

Financial statements of Transilvania Bank (2013-2016), available at

Iuga, I. (2016), Dimensions of credit analysis and credit risk analysis, available at

Regulation No. 5 of 20. Dec.2013, Monitorul Oficial, Part I 841 30 Dec 2013, Entry into force on January, 1st 2014, Regulation No. 5/2013 on prudential requirements for credit institutions

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