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 149
- Downloads 0
CURRENT ECONOMIC CRISIS IN ROMANIA
The paper is intended to be primarily a factual developments illustrate the main economic indicators in the context of Romania's crisis by creating a digital picture to illustrate the main effects of the country. The ide...
TRAVEL AND TOURISM COMPETITIVENESS OF THE WORLD’S TOP TOURISM DESTINATIONS: AN EXPLORATORY ASSESSMENT
In the recent years, competitiveness has become one of the common concepts employed to approach and describe the sustainable development of the travel and tourism industry. Competitiveness of the travel and tourism indus...
MODERN MANAGEMENT METHODS FOR MANAGING THE WASTE WATER AND RECOVERING THE HEAT FROM WASTE WATER
The management of waste water had become a real issue for the EU in the last years. Specialists have been trying to conceive a way to address all the processes and to optimise it. For the waste water the concept is known...
REVERSE LOGISTICS PROCESSES IN INDUSTRIAL WASTE MANAGEMENT AS AN ELEMENT OF SUSTAINABLE DEVELOPMENT
This article has a brief introduction about reverse logistics usage in waste management. Then Authors proposed own elaborated descriptive model of reverse logistics processes in enterprises managing industrial waste. The...
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...