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ISSN: 2344 - 102X
ISSN-L: 2344 - 102X
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Article from Volume 6, Number 3, Year 2018| CREDIT PORTFOLIO QUALITY ASSESSMENT IN THE ROMANIAN BANKING SYSTEM | 
Download | | Author(s): Mariana Vlad | | DOI: 10.4316/EJAFB.2018.6313 | | Abstract: Credit portfolio is an indicator of the bank's market share, of its business and risk strategies as well as its capacity of granting loans. During the economy ending process, the banks have to filter the businesses and to support the effective, legal and viable ones, boosting the activity of all using the loan. As a result of loan portfolio, the banks must regulate the amount of the provisions that must be supported weighting the bank's financial results. Real time provisioning of credit losses plays a crucial role for ensuring sound and safe banking environment. The paper discusses the structural elements involved in Romanian and European banking assets assessment, taking into consideration prudential and accounting aspects. We are aiming to identify the main actual and future chanlenges when trying to improve the operational and credit risk effectiveness. | | Keywords: Non-performing Loans Ratio, Texas Ratio, Forbearance Ratio, Loan Loss Provisions | References:
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