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Considerations regarding ageing impact on banking system – challenges, strategies


  • Claudia Gabriela BAICU

    () (Spiru Haret University, Faculty of Economic Sciences, 46 G Fabricii Str., District 6, Bucharest, Romania)

  • Luise MLADEN

    () (Spiru Haret University, Faculty of Economic Sciences, 46 G Fabricii Str., District 6, Bucharest, Romania, Labour and Social Protection, 6-8 Povernei Street, Bucharest, Romania, Tel. +40213124069,)

  • Diana CRÄ‚CIUNAȘ

    () (Spiru Haret University, Faculty of Economic Sciences, 46 G Fabricii Str., District 6, Bucharest, Romania)


The global tendency of ageing population has consequences on different areas, such as: economic growth, financial markets, financial intermediaries, monetary policy, public finance, financial regulation. This tendency has several consequences on banking system that has to adapt to the needs and special requirements for bank products and services of older customers. The specialty literature mentions among the challenges the banking systems may face in the context of ageing population: reconsidering portfolio of banking products and services, adapting to the special needs of older customers, pressure on banking profitability. In the context of an ageing population, the studies in field consider that credit activity of banks is likely to decrease and provision of some services targeting older customers to increase. At the same time, technological advances raise several issues to older customers.

Suggested Citation

  • Claudia Gabriela BAICU & Luise MLADEN & Diana CRÄ‚CIUNAȘ, 2017. "Considerations regarding ageing impact on banking system – challenges, strategies," International Conference on Economic Sciences and Business Administration, Spiru Haret University, vol. 4(1), pages 42-48, October.
  • Handle: RePEc:icb:wpaper:v:4:y:2017:i:1:42-48

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    References listed on IDEAS

    1. Michael Berlemann & Marco Oestmann & Marcel Thum, 2014. "Demographic change and bank profitability: empirical evidence from German savings banks," Applied Economics, Taylor & Francis Journals, vol. 46(1), pages 79-94, January.
    2. Stefan W. Schmitz, 2007. "Demographic Change, Bank Strategy and Financial Stability," Financial Stability Report, Oesterreichische Nationalbank (Austrian Central Bank), issue 13, pages 98-114.
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    More about this item


    banking system; ageing; banking business model;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • J10 - Labor and Demographic Economics - - Demographic Economics - - - General


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