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No. 3 / 2026 — Autumn

Peer-reviewed articles in economics, finance, public policy, and sustainable development.

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Theoretical and Applied Economics
No. 2 / 2018 (615), Summer

Diversity and proportionality, challenges or opportunities for the European banking sector?

Dan Costin NIȚESCU
The Bucharest University of Economic Studies, Romania

Abstract. In the first two parts of this paper we realise a brief context introduction for diversity and proportionality, presenting also some aspects from the relevant related literature. In the third part we provide an analysis using a selection of indicators considered for a group of countries (Germany, France, Poland and Czech Republic). We emphasize the diversity of the banking structures, types and sizes of banks acting in the selected banking sectors under the umbrella of the European banking system. We add also relevant insight and considerations to the analysis, related to the regulatory and supervisory framework, which should accommodate a diverse range of banking structures, addressing also the proportionality principle. The forth part includes findings of our analysis as well as other relevant discussions, related to the impact and complexity of the topics, for policy implementation. The final part includes our concluding remarks.

Keywords: banks, banking model, customer behaviour, regulations, diversity, proportionality principle, economic development.

Contents

1

Studying banking performance from an accounting perspective: Evidence from Europe

Maria Carmen HUIAN · Marilena MIRONIUC · Oana Iuliana MIHAI

2

Corruption, governments’ debts, trade, and global growth

Wei-Bin ZHANG

3

Innovation – trends and patterns at Romanian firms

Mihaela DIACONU

4

How to build an economy free of recession and stagnation: results from a multi-commodity macro model

Samuel MENG

5

Analyzing the employment rate of the population, unemployment and vacancies in the economy

Constantin ANGHELACHE · Mădălina Gabriela ANGHEL · Ștefan Gabriel DUMBRAVĂ · Lucian ENE

6

An implicit model of adjustment costs in differential input demand systems

Gülcan ÖNEL

7

Diversity and proportionality, challenges or opportunities for the European banking sector?

Dan Costin NIȚESCU

8

A competitive economy as the path to future prosperity: Comparative analysis of selected European countries

Lejla TERZIĆ

9

Studying the political economy of reforms: The Greek case, 2010-2017

Dimitris P. SKALKOS

10

Analysis of the evolution of the number of pensioners and pensions in Romania

Mădălina Gabriela ANGHEL · Constantin ANGHELACHE

11

Inflation unemployment dynamics in Hungary – A structured cointegration and vector error correction model approach

Vijay VICTOR · Maria FEKETE FARKAS · Florence JEESON

12

Are defence expenditures the reasons of foreign debts in Turkey?

Serap BARIŞ

13

Exports, imports and economic growth in India: Evidence from cointegration and causality analysis

Raju GUNTUKULA

14

The role of economic growth and energy consumption on CO2 emissions in E7 countries

Buhari DOĞAN · Osman DEĞER

15

Which comes first – savings or growth? Time series evidence from ECOWAS countries

Yaya KEHO