Efficient use of resources of the bank is the key objective of each manager. Therefore, on the deteriorating macroeconomic environment background, managers attention has turned in recent years to reduce costs and maximize profits. In this context, this study examines how the two main Romanian...

The European integration is an event that impacts in every economy and in every financial field of European Union. The purpose of this study is to underline the main steps made in the integration process and to analyze the impact of an economic, monetary, financial union both on microeconomic...

Romania's integration into European Union caused serious implications for national economy and banking system, which came in a position to deal with the pressures of a competitive market and increasing requirements of customers seeking more complex products and banking services. It can be argued...

The integration of Romania in the European Union has determined serious implicationson economy and on the national banking system that had to cope with the pressure of a competitive market having higher and higher demands from customers who ask for much more complex products and banking...

Asset-liability management (ALM) is a term whose meaning has evolved. It is used in slightly different ways in different contexts. ALM was pioneered by financial institutions, but corporations now also apply ALM techniques. In banking, asset and liability management is the practice of managing...

This paper makes an overview of the literature regarding IFRS application, both globally and in our country, expressing some personal considerations on key financial and accounting domains, which present the biggest challenges in terms of impact on the banks financial situation.

The crisis that affected the Romanian economy from the last months of 2008 was not without consequences for the banking system of our country. One of its effects was the Romanian banks' lending policies. Changes in lending policy content of Romanian credit institutions can be seen by analyzing...

This paper intends to analyze and to characterize activities specific to financial – banking marketing. Banking marketing is the most important marketing tool, that allows the development of bank activity, improve the performance and achieve its strategic objectives. Increasing the importance...

Starting the year of 2007, global economies had to face a large financial crisis with direct effects on economic growth and welfare. The underestimating of risk caused large imbalances and at a later date a sovereigh debt crisis. The Romanian financial system and its component, the banking...