EVOLUTIONS OF PROFIT AND BANKING PERFORMANCE

In Romania, although the crisis has ended 5-6 years for many categories of operators for Romanian banks out of the crisis, measured in terms of profit, it is more recent. Thus, after some six years of losses or negligible returns, 2015 was the first in which the profit recorded for the entire Romanian banking system. 2016 seems to strengthen the crisis. In this context, it is necessary to see how banks derive their profits. I mean, what are the sources of bank profits, and expenses that are consuming part of bank revenues. Obviously, profitability analysis should be carried out and in terms of assets and of bank capital used for its production. Finally, it would be necessary to ask whether the trends observed in the last two years of term or episodic.