This research analyzes the distinction between risk and uncertainty within the Romanian banking system, utilizing recent data from 2024. The study examines key prudential indicators, specifically the Non-Performing Loan (NPL) ratio, interest rate risk, and liquidity metrics (Liquidity Coverage Ratio—LCR and Net Stable Funding Ratio—NSFR). The results indicate that while consumer and SME segments show higher vulnerability to interest rate fluctuations, the corporate sector remains stable. Furthermore, the system maintains robust liquidity positions, consistently exceeding regulatory thresholds. It is concluded that aggregate risks remain manageable, though flexible management strategies are essential to navigate future economic volatility.
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- Article
Risk and Uncertainty in the Banking Sector: Evidence from the Romanian Banking System
- Ana-Maria Colța
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Received: 03 Feb 2026 | Revised: 09 Mar 2026 | Accepted: 18 Mar 2026 | Published: 27 Mar 2026
Abstract
Keywords
banking activity | uncertainty | financial stability | credit risk | liquidity ratios
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How to Cite
Colța, A.-M. Risk and Uncertainty in the Banking Sector: Evidence from the Romanian Banking System. Ecological Economics and Management 2026, 2 (1), 5. https://doi.org/10.53941/eem.2026.100005.
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Copyright (c) 2026 by the authors.
This work is licensed under a Creative Commons Attribution 4.0 International License.
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