The Ratio Evolution Analysis of the Non-Performing Loans Obtained by the Credit Institutions in Romania during the Period 2007-2015
Journal Title: Academic Journal of Economic Studies - Year 2015, Vol 1, Issue 2
Abstract
This article analyses the ratio evolution of the non-performing loans obtained by the privately, Romanian and foreign-owned credit institutions, in Romania, during the period December 2007 - June 2015, depending on the change of the legislation regarding the reporting methodology for the purpose of the institutions surveillance according to the prudential regulations of BNR (National Bank of Romania) and EU Regulation. The results of this analysis highlighted the fact that the non-performing loans ratio went through a spectacular increase during the period 2007-2013, reaching 21.87% following the promotion of a strategic plan based on the recovery of the debts by restructuring actions, rescheduling or enforcement. In 2014, the non-performing loans ratio decreases to 15.33% following the modification of the debt recovery strategic plan by taking them out from the balance sheet and by their integral provisioning.
Authors and Affiliations
Mirela Catalina Turkes
Keywords
Related Articles
- EP ID EP177756
- DOI -
- Views 110
- Downloads 0
The Budget - Reference System in Assessing the Performance of the Public Enterprise
The objective of managers to efficiently manage their business and improve the performance of public enterprises has led to the emergence and use of budgets. These are considered to be managerial tools useful in running...
Analysis of the Correlation between the Fodder Receipts and the Economical Performances of the Pig Breeding Units
Respecting the European Union normative regarding the average weight of carcasses processed in the slaughter-houses, as well as the quality of the delivered meat, impose the search for the optimum variants for pig breedi...
Monitoring the International Monetary System: Its Development in the West, and Future in the East
The “gold standard” is frequently mentioned in text books, but few without an economics background can fully understand it. This paper thus begins in 1896, when U.S. Presidential candidate William Jennings Bryan declared...
Revisiting Exchange Rate Pass-Through to Consumer Price Inflation in Nigeria: A Cointegrated Vector Autoregressive Approach
This study revisits the extent of Exchange Rate Pass-Through (ERPT) in Nigeria based on a Cointegrated Autoregressive Model proposed by Johansen (1988, 1995). Using the annual data from 1960 to 2015, it is found that exc...
Market Orientation and Business Performance: a Study of Interrelationships and Effects in a Small sized Hotels within Lagos State Metropolis
The relationship between market orientation and business performance has been a subject of debate in marketing literature. To date, there is no consensus opinion and empirical study in the context of small sized-hotels i...