THE IMPACT OF HOUSEHOLD SECTOR RISKS TO THE SOUNDNESS OF THE ROMANIAN BANKING SYSTEM
Journal Title: Annales Universitatis Apulensis series Oeconomica - Year 2009, Vol 11, Issue 1
Abstract
The paper focuses, primarily, on assessing if risks associated to household sector have a significant impact on Romanian banking system’s soundness and stability, by establishing which household specific variables are the most important and have to be monitored. We have considered several representative prudential and performance banking system’s indicators and we have performed a regression for each one, against a set of 12 explanatory variables, concerning households’ balance sheet, their net earnings, the dynamics of unemployment rate, the degree of indebtedness, banking system’s exposure to currency risk associated to households. Our empirical findings suggest that banking system profitability, expressed as return on equity, and liquidity indicator are the most influenced by households’ financial behavior and the evolutions on the labor market.
Authors and Affiliations
Nicolae Dardac, Iustina Boitan
Keywords
Related Articles
- EP ID EP139629
- DOI -
- Views 156
- Downloads 0
THE ROMANIAN AGRICULTURE – BETWEEN MYTH AND REALITY
This paper analyses the performance of the Romanian agriculture as against the EU agriculture from a historic perspective in order to reveal the gaps and to demythologize the assertion saying that „Romania has been Europ...
ROMANIAN HIGHER EDUCATION REFORM AND ADAPTATION BETWEEN THE REQUIREMENTS OF THE KNOWLEDGE SOCIETY
In today's society, characterized by a continuous process of globalization and knowledge-based economy, intellectual property is the central resource that creates the real value in all sectors of economic life. In this c...
EXPLORING PRIVACY-RELATED ASPECTS OF THE CONSUMERS' DIRECT APPROACH
Organizations design marketing communication campaigns by using both the “traditional” (press, radio, television, outdoor) and/or direct media (mail, telephony, mobile telephony, and the internet),in order to attract t...
WORKING CAPITAL MANAGEMENT AND PROFITABILITY: A CASE OF ALBA COUNTY COMPANIES
The purpose of this study is to analyze the efficiency of working capital management of companies from Alba County. The relation between the efficiency of the working capital management and profitability is examined usin...