Servicii bancare oferite de catre BRD

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The first proofs of the development of banking activities were discovered between 1786 and 1855, and they were 55 stone slabs found in a mining zone. These mines date back to Trajan Dacia and they contain details concerning the establishment of a banking institution. The main clauses referred to the fact that banks offered cash loans and charge interest. During the modern age, the first attempts to create a bank took place at the beginning of the 19th century.
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In 1861, I.C.Bratianu attempted to create a National Bank. In his 10th January speech he affirmed that "as long as we don't have a national bank, the financial crisis will never disappear from this country". His statement didn't go along unheard. In February, 1861, Manolache Costeanu Epureanu, the president of the Council of Ministers and Minister of Finance, published the Official Monitor, a bill for establishing a discount and circulation bank with a capital of 12.000.000 lei (old currency), out of which 3 million should be state subscribed, and the rest of 9 million should be owned by individuals.

The project was never voted, because his government resigned. In 1864, the Savings House was founded, which had a very important role until the creation of the National Bank of Romania, since it was the main issue bank from the United Principalities territory. During the following years, various projects and attempts took place, especially from foreign circles about organizing a discount and circulation bank.

In February 1880, the "I.C Bratianu government" submitted a national bank project, which was meant to help the national economy more than any other institution. In April of the same year, the project became the Act, through which the Bank's rules were established. The National Bank of Romania was scheduled to begin its activity on July 1, 1880. This important moment was characterized by Stefan Zeletin as being "the biggest event in the development of the modern Romanian bourgeoisie".

The National Bank of Romania was the most important bank established during those times. From an organizational standpoint, it was modeled on the National Bank of Belgium. It was the beginning of the development of a new, modern banking system. The establishment of the National Bank of Romania created new grounds for the development of other banks and for the development of the Romanian banking system. On January 1, 1901, the National Bank of Romania became a private institution.

At the end of the 19th century, the Romanian banking capital was highly centralized. During those times, recently developed banking houses and banking associations changed their juridical status and were absorbed by others, because they didn't have enough financial capital. During the First World War, the banking activity in Romania intensified as a result of the country's neutrality. During those times, new commercial opportunities appeared with all parties involved in conflict. The high level of trade brought benefits to the banking system.

After the First World War, the number of banks in Romania continued to rise until the Great Depression (1929-1933), a period which resulted in the bankruptcy of many banks. During those times, the Romanian government had to intervene to counterattack the effects of the monetary, economic and banking crisis. The government adopted a series of management policies in order to bring back the banking system. The adopted policies managed to help the bigger and more important banks, but out of the 1204 existing banks, 600 were liquidated or merged.

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