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

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  • Munteanu Irena

    („Ovidius” University of Constanta)

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.

Suggested Citation

  • Munteanu Irena, 2015. "Risk and Banking Performance: the Correlation between Credit Risk Ratio and ROA in the Romanian Banking System," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(1), pages 836-841, May.
  • Handle: RePEc:ovi:oviste:v:xv:y:2015:i:1:p:836-841
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    More about this item

    Keywords

    banking risk; ROA; credit risk ratio; financial stability;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • C20 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - General

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