STUDY ON THE IMPACT OF CREDIT RISK ON THE QUALITY OF THE LOAN PORTFOLIO IN THE ROMANIAN BANKING SECTOR

Elena Violeta Drăgoi (), Larisa Elena Preda () and Ana-Mariana Dincu ()
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Elena Violeta Drăgoi: Faculty of Economics, “Valahia” University of Târgoviște
Larisa Elena Preda: Faculty of Economics, “Valahia” University of Târgoviște
Ana-Mariana Dincu: Faculty of Agricultural Science, University of Life Sciences” King Mihai I” from Timisoara

Global Economic Observer, 2024, vol. 12, issue 2, 110-120

Abstract: This study aims to explore and evaluate the composition and performance of the loan portfolio of commercial banks in Romania, identifying the main risk factors and development trends. Starting from a historical analysis and reaching the assessment of the impact of some macroeconomic and regulatory factors, the study aims to provide a comprehensive picture of the state of lending in the Romanian context. In this analysis, we will adopt a multidisciplinary methodology, combining statistical analysis, evaluation based on econometric models and qualitative data interpretation, with the aim of providing a comprehensive and detailed perspective. The work will also try to shed light on how lending policies and banking sector regulations have evolved over time and how they influence financial performance and credit risk.

Keywords: credit risk; banking system; the interest rate; loan; efficiency; macroeconomic determinants (search for similar items in EconPapers)
JEL-codes: E51 E52 E60 G21 G32 (search for similar items in EconPapers)
Date: 2024-12
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Persistent link: https://EconPapers.repec.org/RePEc:ntu:ntugeo:vol12-iss2-110-120

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