It's heartbreaking...no kidding...

It's really heartbreaking... but I really don't give a f... about foreign banks that come into an infant market, with a population lacking basic banking principles, to make big money on sky high interest, repatriate the profit, and then ask for governmental help when there's no profit anymore and the bankruptcy knocks on the door. This is called bad medium term risk assessment. The banks have fallen in the really estate bubble that now has imploded. It is a lesson that has to be learned: sometimes also the banks have to lose not only profit, but also some of the capital. It seems that especially in Romania the banks have to keep the profit at the same level no matter what happens on the economy. Things go bad, invent another commission or fee of 0.35% on every operation, even on printing an account statement. Yes, it costs 4-5 ron to see the account statement, in case you don't have online banking. Few years ago things looked very promising in Romania, a country with poor infrastructure (still poor to nonexistent), with a population with a very strong sense of ownership (accustomed for generations to own houses and not pay rent), with a booming really estate market, all this marked by gray money from entertainment industry and sport, public money washed through all kinds of (semi)illegal businesses covered by the corrupted government officials. It's time to pay now. Not the population, that has nothing to do with the corporate and private greed. If it was upon the bank managers, then things were even worse by now, but luckily BNR put a brake on the loan race by decreasing the loan limit on the income. People with an income of 200eur/month and an old junk of Dacia1300 were considering to get a car lease for 100Eur/month, because the loan limit was 50% of the income, and benefit from the RABLA program that reimbursed 900euro for the recycled junk car. Some of them are in deep sh.i.t by now, because the 200eur jobs are the most exposed to the crisis and subsequently to job cuts.
Anyways, romanians help the austrian tourism every year. Most of my friends and relatives are driving to Austria every year on Christmas holidays for shopping and ski. So, no worries about meltdown. It's just a small reduction in profit for austrian capital.