1. THE EFFECTS OF FUNCTIONAL RESTRUCTURING AT THE BANCA COMERCIALA ROMANA. ENHANCING THE MARKETING STRATEGY. AN EMPIRICAL RESEARCH APPROACH. Authors: ZSUZSANNA NAGY, EUGENIA ANA MATIŞ.2. CALCULATING VALUE AT RISK. CASE STUDY ON THE INTEREST RATE RISK MANAGEMENT. Authors: SIMONA MUTU, EUGENIA ANA MATIŞ.3. EMPIRICAL RESEARCH REGARDING THE METHODS USED BY SUPERVISORY AUTHORITIES IN CAPITAL ADEQUACY. STANDARDIZED APPROACH VERSUS INTERNAL RATING MODELS BASED APPROACH. Authors: SIMONA MUTU, EUGENIA ANA MATIŞ.