Commercial banks under conditions of crisis and increase competitiveness

Keeping the Romanian bank system in actual conditions of financial, economic and social crisis belongs to the trend registered at international level, the more the financial services cross a stage of thinking again about the system of administration the risks in which the supervision function will become priority. In case of Romania, it would be more correct the forecast of bank system evolution under the conditions when foreign capital present on Romanian bank market mostly comes from European Union countries, contributing to the process of integration of the whole Romanian economy in this area. It is certain about narrowing the margins of interest under the pressure of accentuating the capitalization issues in the bank system. It is logical to be so, because on the functional markets, the profit is obtained from volume and not from margins. It is obvious that neither Romania can avoid this process. Winners will be those who will understand and apply by means of adequate measures as soon as possible the new prefigured financial system.