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Bank risk is a reflection of the probability that during the course of activities involving the credit institution would have adverse effects on its effects may take the form of diminishing profits, loss occurrence, failures in the banking or credit institution bankruptcy. In the paper the authors show how risk measurement in 12 banks in Romania using a system linked to financial ratios.

Performance generally in the banking specifically highlight on the one hand the financial institution's ability to generate profit, and on the other hand shows the consequences of financial decisions taken by the bank's management. In our opinion bank decisions are based on the analysis of the effects of the bank's policy in the past period. Therefore the paper presents such an analysis that supports decision makers banking.

Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

In this paper the authors analyze the financial structure on two levels, namely time for charging and funding sources. For each tier financial structure is analyzed with a correlated indicators including overall indebtedness and financial autonomy.

In this paper the authors present methods of analysis of budgetary resources in territorial, the example of Salaj County. We analyzed this county revenues and expenditures during 2007-2010, using a system of indicators related

The paper presents the difference between the two concepts regionalism and regionalization. It also presents the three types of regionalism analysis depending on the dimension and the nature of the relations: regionalism at national level, transnational regionalism and international regionalism analysis.

Abstract.In the paper the authors present a model of rating for the banking system. Thus we took into account the records of 11 banks in Romania, based on annual financial reports. The model classified the banks in seven categories according with notes used by Standard Poor’s and Moody’s rating Agencies.

Abstract.In this paper the authors describe how the analysis of solvency to prevent bankruptcy of Romanian companies. In this respect safety intervals are identified by the authors after analyzing the financial condition of more than 900 Romanian companies.

In this paper, the authors make an analysis of the second wave of the actual World Financial Crisis. They present the consequences of the first wave of the World Financial Crisis, namely the Banking Crisis, on the EU countries public debts.

In the present paper the authors show the modality of analysing the IT entities using Du Pont method.

In the paper the authors presented the importance of financial reporting system used in financial analysis of IT firms. Thus were presented balance sheet, income statement and cash flows.

In this paper the authors show the possible causes of the world financial crisis. In this way is presented the start of the financial crisis, and the evolution of American economy, its huge defficit, the evolution of nemployment rate, the inflation rate,

The current financial crisis reveals new dimensions of the concept of systemic risk in banking. This crisis has shown how interconnected the financial world has become and showed how a shock coming from a region can propagate very quickly, with an impact on financial stability around the world. History has shown once again the fragility of the banking sector. Compared to other sectors banking financial contagion spreads faster and negative externalities have much stronger effects. This article provides a conceptual framework for examining systemic risk, the negative effects of this event but also models for assessing systemic risk and systemic banking crises. [ABSTRACT FROM AUTHOR]

There are two types of processes involved while making a decision: a controlled process, which is rational, with introspective access and an automatic one, which is called experiential or decision by expertise. Both processes depend on the use of information and are influenced by social affective factors. The present study aims to identify the differences between decision behaviour adopted by managers in Brazil and Romania, when making decisions related to budget level estimation. The study is quantitative and the data were collected via a ten-point scale questionnaire on Brazilian and Romanian samples comprised of MBA students. The data were analysed using structural equation modelling estimated by means of the PLS methodology. Our results show that information search and social-affective factors influence both rational decision and decision by expertise in Brazil and Romania, however, in distinct degrees. Distinctions could arise based on cultural differences between Brazilian and Romanian decision-makers. [ABSTRACT FROM AUTHOR]