Globalization is the process in which people, ideas and goods spread throughout the world, with more interaction and integration between the world's cultures, governments and economies. Nowadays, in the context of globalization, the world economy recorded significant changes in the structure and function of its main subsystems, especially in the financial subsystem. According to the The banking area, a part of the financial and economic system is under the influence of changes caused by the current economic situation in which it is evolving- the instability of interest rates, the increase of the competition, the concentration of the capital, etc. (Bucur, 2017)