Risk and Banking Performance: the Correlation between Credit Risk Ratio and ROA in the Romanian Banking System

Munteanu Irena ()
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Munteanu Irena: „Ovidius” University of Constanta

Ovidius University Annals, Economic Sciences Series, 2015, vol. XV, issue 1, 836-841

Abstract: The economic rentability ratio within a banking system is an index for both efficiency and financial stability. The economic growth in Romania in 2006-2008 and the relaxation of the access conditions to banking credit led to an unprecedented expansion of the non- governmental credit. At the end of 2008, when the international crisis made its presence felt in Romania as well, credit risk became once again a matter of interest for both banking management and regulatory authorities. I consider that a study of the correlation between credit risk ratio and ROA is a useful and current instrument for all participants in the banking market, but also for the public and specialized institutions.

Keywords: banking risk; ROA; credit risk ratio; financial stability (search for similar items in EconPapers)
JEL-codes: C20 G20 G21 (search for similar items in EconPapers)
Date: 2015
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