The creation of a viable and sound financial system in South-East European (SEE) countries has been a fundamental aspect of their transition to a market economy. At the beginning of the 1990s, much of the banking industry in the SEE countries and Turkey remained underdeveloped. In Romania, the banking field has been and it is one of the most dynamic and active segments within the economy, registering important growths from year to year, both regarding capital, number of employees, investments, and the credit level of the economic activity. Nevertheless, there had been some deficiencies materialized in some aspects of banking system leanness, non performing credits, important losses or even bribery. The banking system must truthfully reflect the development and decentralizing level within the economy, representing not only a result of the reform, restructuring and privatization process, but also a very active and mobilizing factor of this process.