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Loan Losses Provisioning Processes In Romanian Banks During January 2007 €“ February 2011

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  • Adela Socol

    (1 Decembrie 1918 University of Alba Iulia)

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    Abstract

    The paper presents the loan loss provisioning phenomenon at the level of Romanianbanks, based on a very detailed set of rules in the area. Using data collected by National Bank ofRomania, we find evidence of the significantly increase in the banking loan loss provisions in the lastanalyzed years. We investigate the dynamics of the loan losses provisioning processes and present thenational regulatory framework. The paper concludes that the actual situation in the field forceRomanian banks to react and improve their risk management.

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    File URL: http://oeconomica.uab.ro/upload/lucrari/1320111/11.pdf
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    Bibliographic Info

    Article provided by Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia in its journal Annales Universitatis Apulensis Series Oeconomica.

    Volume (Year): 1 (2011)
    Issue (Month): 13 ()
    Pages: 11

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    Handle: RePEc:alu:journl:v:1:y:2011:i:13:p:11

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    Related research

    Keywords: Loan Loss Provisions; Loan Classification in Romanian Banking System; Provision Coefficient;

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    Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    1. George J. Benston & Larry D. Wall, 2005. "How should banks account for loan losses?," Economic Review, Federal Reserve Bank of Atlanta, issue Q4, pages 19-38.
    2. Vincent Bouvatier & Laetitia Lepetit, 2006. "Banks'procyclicality behavior : does provisioning matter ?," Cahiers de la Maison des Sciences Economiques bla06035, Université Panthéon-Sorbonne (Paris 1).
    3. Kanagaretnam, Kiridaran & Lobo, Gerald J. & Yang, Dong-Hoon, 2005. "Determinants of signaling by banks through loan loss provisions," Journal of Business Research, Elsevier, vol. 58(3), pages 312-320, March.
    4. Ioan Nistor & Mirela Pintea & Maria Ulici, 2010. "The Implications Of The Global Crisis On The Financial Performances Of The Romanian Banking System," Analele Stiintifice ale Universitatii "Alexandru Ioan Cuza" din Iasi - Stiinte Economice, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 2010, pages 149-160, july.
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