THE IMPACT OF FINANCIAL CRISIS ON THE BANKING SYSTEMS: AN ANALYSIS ON EU MEMBERS
THE IMPACT OF FINANCIAL CRISIS ON THE BANKING SYSTEMS: AN ANALYSIS ON EU MEMBERS

Summary/Abstract: When we talk about chaos, we think of events that can inevitably occur and which are difficult to manage, such as the financial crisis. Of course, in such situations it is good to analyze the position that banks have taken to survive the impact of a crisis on a country's economy. But as for every problem there is a solution and in such events there are diversified solutions, even if the solution of the problem is slow due to the strong scope created on the economic basis. Here we can analyze the measures taken by the banks in the system to reach an economic balance. Thus, the financial crisis has made its mark on price indicators on banking markets. From different perspectives, the increase in interest rates on new loans granted to nonfinancial companies and deposits for households in EU is a clear signal of fragmentation and heterogeneity in European banking markets and not only. The analysis aimed to emphasize the impact of the financial crisis on the banking systems of the member countries of the European Union. In this situation, the use of the OLS method was used to see the different interferences that the crisis had, but also because its presence was different from one state to another. Because of this analysis, we can conclude that it was a period of banking restructuring that led to a heterogeneity of the banking systems that were subject to banking inefficiency during the financial crisis.

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