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The banks of Romania are in a imbalance situation, although in terms of solvency and provisioning bad loans the country holds leading positions in the region, and even compared to the developed states of the European Union, according to a report called ‘New business model of commercial banks and its challenges,’ authored by Nicolae Danila, a member of the Administration Board of the National Bank of Romania (BNR), which was posted Friday on the Central Bank’s website. Thus, the main imbalances of the banks that operate in Romania relate to the maturity of their assets and liabilities and especially to their structure based on currencies. “In principles, both imbalances can generate risks of the nature of the liquidity for these banks,” Danila explains. According to the BNR expert, another risk factor for the business model of Romania-based banks is that their parent banks still have not operated significant changes in the funds which they transfer to their branches operating here. The document also shows that in Romania we may witness a decrease of credibility, especially for the transactions that require over two years of maturities, such as real estate projects or infrastructure works. The document also predicts that we may witness an increase of crediting costs, especially for high-risk debtors (small and medium companies, individuals with low and average incomes), and the public bodies (government, guarantee funds and the stock exchange) should conceive alternative financing interests for small and medium firms.Another warning is that we may witness the closing of subsidiaries controlled by foreign bank groups, the increase of interests offered on long-term deposits (especially in foreign currency), the gradual decrease of the advantages provided to current accounts (and savings) in RON and the expansion of self-banking services for the customers of large banks.Danila adds that the current business model in the financial sector consumes too many resources (capital) that could be also used by other sectors, in a more efficient way, and the need for cash in the Romanian banking system might increase, meaning that BNR will continue to do an active management, sometimes very active, of liquidities and will probably have a net creditor position on the monetary market.