Forthcoming Nicolae BALTES Maria-Daciana RODEAN

Efficiency of Operational Activity of Commercial Banks in Romania

In recent years, the financial performance of Romanian commercial banks has been considerably reduced, due to the decline in lending activity and the increase in operating expenses. The paper aims to estimate the impact of credit, liquidity and solvency risk on the efficiency of the operational activity of commercial banks listed on the Bucharest Stock Exchange. The results obtained by the application of the multiple linear regression showed that the level of the „cost to income” indicator, during 2010-2015, was significantly influenced by the capitalization level, the lending rate and the saving rate.