Implicatiile Basel II asupra bancilor din Europa Centrala si de Est

Nowadays, the whole world is trying to implement efficiently the Basel II, this moment being foreseen for 2006. In general, the banks consider that the frame established by Basel II, is having a positive effect over the increasing of the competitional capacity of the banks meeting the internal goals of the departments for risk’s management. The main problem central and east European banks face is the still quite long way until complete compatibility with the Basel II requires and the lack of funding and expertise. With all these troubles, some of the central and east European banks decided to invest and adopt directly the internal risk based model suggested by the Basel II. For central and East European banks applying the Basel Agreement will represent a test of their integration abilities into a large financial European market and then a global one. The important economic and political changes that happened lately in the central and eastern Europe (CEE) represent a unique base for Basel II implementation. The joint of G10 at the European Union in may 2004, and that of Romania and Bulgaria in 2007, as also the strong economic growth from the last period encouraged international banks to create networks in the area. Plus, the local market has an extraordinary potential :it is still under-banked and the request for financial products has risen spectacularly, especially in 2003, 2004. The retail bank divisions have had high rates of growth and prognosis show that this evolution will continue in the future. The potential of the area it is demonstrated by Romania where the credit consume increased with 300% in 2003 comparing to 2002. Banking infrastructure is also in full development by creating credit office. That is why, a great part of national banking assets are already owned by farreaching regional or international banks. The largest banks from the CEE countries are already owned by international banks and the process will continue with banks privatization from Albany, Bulgaria and Serbia. The UE committee finalized an adjustment proposal of the international banks capital rules to the European needs.