The key element of the proposed study is operational risk, considered to be the loss risk resulting from shortages or collapses due to procedures, persons or internal systems or external events of an organization. The definition includes the juridical risk and excludes strategic and reputational risks and can be found in the New Agreement of Capital Basel II (point 644 from the Agreement). The concept of operational risk is present in the Romanian banking environment, as foreseen at the beginning of 2004 in the Romanian banking legislation (art. 3 of the Norm BNR no. 17/2003) and considered to be the risk of loss registration or of the nonrealization of estimated profits determined by internal factors (unadequate processing of internal activities, the existance of personnel or unadequate problems etc.) or of external factors (economic conditions, changes in the banking environment, technological progresses etc.).