Evolutions and perspectives of the banking system from Romania

The capital market together with the banking system have a crucial role in economy because they facilitate the transfer of capital from those who save to those who want to invest and thus contribute to the creation of value. The banking system in Romania, despite the crises in the economy, recorded very good financial results in recent years, being profitable, with a low level of non-performing loans and a high degree of stability. This study analyzed the evolution of the performance of the Romanian banking system and the main risks of the banking system, who are the global uncertainties in the context of the energy crisis, and armed political in Ukraine and the Middle East, the tension of internal macroeconomic balances, due to regional and international geopolitical developments, as well as the future conduct of fiscal and revenue policy, the delay in structural reforms and the absorption of European funds, the risk of non-payment of loans contracted by the non-governmental sector. However, the efficient management of the banking sector in Romania led to a solid system, with most of the financial and prudential indicators calculated by the EBA in the "green zone", despite the challenges associated with the health crisis and the geopolitical situation in the region, but also of the existing turbulences in the US and Swiss banking sector.