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The Ratio Evolution Analysis of the Non-Performing Loans Obtained by the Credit Institutions in Romania during the Period 2007-2015

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  • Mirela Catalina Turkes

Abstract

This article analyses the ratio evolution of the non-performing loans obtained by the privately, Romanian and foreign-owned credit institutions, in Romania, during the period December 2007 - June 2015, depending on the change of the legislation regarding the reporting methodology for the purpose of the institutions surveillance according to the prudential regulations of BNR (National Bank of Romania) and EU Regulation. The results of this analysis highlighted the fact that the non-performing loans ratio went through a spectacular increase during the period 2007-2013, reaching 21.87% following the promotion of a strategic plan based on the recovery of the debts by restructuring actions, rescheduling or enforcement. In 2014, the non-performing loans ratio decreases to 15.33% following the modification of the debt recovery strategic plan by taking them out from the balance sheet and by their integral provisioning.

Suggested Citation

  • Mirela Catalina Turkes, 2015. "The Ratio Evolution Analysis of the Non-Performing Loans Obtained by the Credit Institutions in Romania during the Period 2007-2015," Academic Journal of Economic Studies, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 1(2), pages 151-159, June.
  • Handle: RePEc:khe:scajes:v:1:y:2015:i:2:p:151-159
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    More about this item

    Keywords

    Total net assets; past due and doubtful loans in total loans; past due and doubtful claims in total assets; past due and doubtful claims; non-performing loans ratio;
    All these keywords.

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • M37 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Advertising

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