The banking sector needs to improve its image by reducing the stock of bad assets, while credit institutions should use more efficient solutions for cleaning their portfolios, such as the cession and annulment of claims, BNR experts affirm in the Annual Report on financial stability, quoted by zf.ro. “Banks used on relatively large scale solutions of restructuring/rescheduling and repossession, but the efficiency of these bad loan management techniques remained under potential so far,” reads the report. Statistic data confirm without doubt this evaluation, as the bad loan ration continues to soar each month, reaching 21 pc in August. Plus, it becomes increasingly obvious that many bad loans have minimum chances of recovery: almost 75 pc of the bad loans accumulated in the relation with corporate customers were overdue for more than a year. In terms of volume, they amount to approximately RON 20 bln.