Motivele pentru creșterea profitului băncilor din România sunt legate de reducerea costurilor de finanțare. Astfel, deși nivelul creditelor neperformante a continuat să crească și în 2013, acest lucru a afectat foarte mult performanțele financiare ale instituțiilor de creditare.
Aşa cum arată datele oficiale, în România sunt active 41 de bănci, dintre care 27 au capital majoritar privat străin și doar două care au capital majoritar privat românesc. Mai există și nouă sucursale ale băncilor străine și două bănci cu capital integral sau majoritar de stat.
Conform dezvoltatorimobiliar.ro, dobânzile la creditele în lei au început să scadă. În ultima lună, băncile din România au început să scadă și dobânzile pentru creditele imobiliare, ipotecare și de nevoi personale în moneda națională, ca urmare a reducerii dobânzii de referință și a indicatorului ROBOR la trei luni.
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