Corporate credit lines are drawn more heavily when funding markets are more stressed. This covariance elevates expected bank funding costs. We show that credit supply is dampened by the associated debtoverhang cost to bank shareholders. Until 2022, this impact was reduced by linking the interest...

This study has two objectives, first, to investigate if the lending behaviour of banks exhibits moral hazard in the Indian Banking Industry, and second, to investigate whether banks' moral hazard behaviour changes when the systemic importance of the banks is taken into consideration. We studied...

The paper presents a new banking product having as main goal in offering some attractive income packages to construction workers and specialists. The purpose is to maintain this workforce into the country’s borders. Our national economy isn’t yet in a position to offer salaries like those...

The extremely volatile economic environment, in which the world banking systems must operate that is determined by the unprecedented intensification of the globalization phenomenon, urgently imposed the reconsideration of the institutions’ business strategies. Besides the development of the...

The Basel II implementation supposes a series of important challenges both for the credit institutions – the adjusting of the risk management and of the data processing system, the training of the personnel, the obtaining of the data bases etc. – and also for the National Bank of Romania –...

Financial globalization doesn’t represent a new phenomenon, but the size and speed which phenomenon knows is without any precedent. The financial system becomes more efficient as a direct result of globalization and innovation, but not necessarly more capable to absorb the shocks. Concerning...

The problem of the environmental becomes pressing and they have already concerned the international, regional and national organizations. At the international level, there is a new strategy of the United Nations included in the „Millennium Development Goals“(MDG). Besides, the integrated...

Considering Romania’s integration in the European structures, as well as the new dimensions of the globalization phenomenon, we thought as adequate the presentation of the implications, in this context, on the Romanian banks. In the conditions of the economical globalization, the Romanian...

Starting from the necessity of the maximisation of the banking performances based upon the maintenance of a certain risk profile of the bank, we analysed the profitability of the foreign banks in comparison to the one of the autochthonous banks. At the same time, we evaluated based upon the data...

Since 1 January 2002, consumers have been paying with euro banknotes and coins everywhere in the euro area, irrespective of the country, but non – cash payments between two countries continued to be expensive and complicated. Because of this fact, further integration was needed. To push the...