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The construction of a united Europe represents the ideal of the Europeans and not only. Such ideals require both responsabilities and risks. Unfortunately, the issue of the European construction is more approached from a political and economical point of view. The cultural dimension of the European construction is marginalized, that also happening to its spiritual dimension. The European Union is not only a place for changing merchandise, but also for common ideas and values. Europe is more than a European Union reduced at the dimension of an economic market. This construction must also be understood from its spiritual perspective. The European ’body’ also needs a generous spiritual ’soul’.

The role of the bank branches will evolve differently in the coming years. The European banks predict that the number of with councilors will increase significantly. However the sales volume performed by branches will decrease while a part of these sales are taken by alternative channels. As a result, many banks could face a network of oversized units. To solve this problem banks should use a bottom-up approach to make a real assessment of ideal level of transactions closed correlated with resources used for this.

The integration of Romania in the European Union has determined serious implicationson economy and on the national banking system that had to cope with the pressure of a competitive market having higher and higher demands from customers who ask for much more complex products and banking services. Considering the evolution of the banking environment in the last period, for any institution of credit, aspects such as: diversification, inovation personalization of banking products and services should be priorities

Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition imposement. Banks being aware of the quality problems also lead to the appearance and requirement of some area working standards. Standards imposing and issuing together with the performance measure system are to be the main elements of a quality programme.