Development of complex financial products and necessity of reducing the costs encourages the creation of groups with multiple activities in the financial sector. Structures of financial group are also present in Romanian, and most of them are part of the international groups, provided that the financial capital is mainly foreign.

Both the benefits as well as the risks associated to the financial groups present in Romania are limited due to their orientation mainly mono-sectorial (very high weight kept by the credit institutions).

The National Bank of Romania has an intrinsic role for maintaining the financial stability, taking into consideration the responsibilities that result from its double aspect of monetary and prudential authority. The attributions afferent to the objectives of financial stability are exercised by prudential supervision and regulation of the institutions under its authority, as well as by formulation and efficient transmission of the measures of monetary politics and supervision of functioning under optimum conditions of the payment and reimbursement systems systemically important.

At the same time, it is necessary the identification of risks and vulnerabilities of the entire financial system, on the whole and separately, because the financial stability monitoring is preventive. The occurrence and development of some malfunctions, like the incorrect evaluation of risks and inefficiency of capital allocation can affect the stability of the financial and economic system.