The context of macroeconomic uncertainty existing on international markets leads to the amplification of a broad spectrum of risks in the current activity of a bank. This article delineates the recent modifications in the domain of credit risk management in banking and highlights the issues of...

Non-performing loans are a reality of Romanian economy. The period 2006-2009 was characterized by easy crediting conditions and a boom in terms of personal loans and mortgages, which were followed by the economic crisis that struck Romania and triggered the emergence of bad loans and their...

In 2014 lending forecasts are especially optimistic that the Central Bank has reduced last year from July to August, September and November and most recently in January 2014, the key interest rate to a historical low of 3.75%. The actions carried to cheapening credit continued reduction in...