REGIONAL BEHAVIOR OF BANKS BEFORE AND ONE YEAR AFTER THE ONSET OF THE CRISIS

Andrada Busuioc and Cristian Birău
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Andrada Busuioc: Bucharest Academy of Economic Studies
Cristian Birău: Bucharest Academy of Economic Studies

Theoretical and Applied Economics, 2009, vol. 12(541)(supplement), issue 12(541)(supplement), 696-702

Abstract: The period of continuous economic growth that has characterized Romania in the 2000s, linked to the easing of monetary policy begun in 2005, determined the commercial banks to adopt extensive strategies. This paper aims to demonstrate that those strategies were based less on economic reasons, and more on the banks' optimistic calculations. Analyzing their territorial activity – from the extension of the branches to the volume of loans granted and deposits made by each county separately, before and one year after the onset of the crisis – low correlation is observed between the economic realities and banking strategies.

Keywords: commercial banks; development regions; savings; credit; bad loans. (search for similar items in EconPapers)
Date: 2009
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Persistent link: https://EconPapers.repec.org/RePEc:agr:journl:v:12(541)(supplement):y:2009:i:12(541)(supplement):p:696-702

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