We could say that banking risk is a phenomenon which appears during the banking operations and which induces negative effects to those activities by the deterioration of the business’ quality, the elimination of profit and even losses are registered. In this paper I shall present in short the way in which the financial and nonfinancial analysis is made in the Romanian banking system, as instruments of quantification of the credits risks and as a way of managing it.

Whatever the level of the taken risks the loss can be minimized if the creditation operation are organized and managed in a professional way.

the credit risk, the financial performance, the SWOT analyses, asset classification.