%0 Journal Article
%T THE ROMANIAN BANKING COMPETITION AND THE ACCESSION TO EU
%A Bogdan Capraru
%J Annals of the University of Oradea : Economic Science
%D 2010
%I University of Oradea
%X In this study we try to assess banking competition in the Romania for 2001 ¨C 2008, taking into account the evolution of market share of the top five, Herfindahl-Hirschman Index (HHI), performances indicators like ROA and ROE and evolutions of deposit and loans rates. We observed that the competition in the Romanian banking system increases continuously in the last years. The main factors which have influenced this process were: the privatization of the majority of state capital banks and the perspective of accession of our country in the EU. In the period assessed, there are two approaches: in the first period banks have had very good performances due to their market share in a low competitive banking environment and after the privatization of some state capital banks, the leader of the market lost market share in the favor of other bank with greater performances.
%K bank competition
%K the Structure-Conduct-Performance Hypothesis
%K Efficient Structure Hypothesis
%K banking system
%K European integration
%U http://anale.steconomiceuoradea.ro/volume/2010/n1/063.pdf