It is outlined thus a certain consonance between the quality of bank loans, on the one hand, and the performance
obtained by the borrower and the lender, resulting in positive or negative outcomes specific to their activities, which
can print these loans either a performing or a non-performing character. In this respect, it should be also required the
debtor to operate with positive results and, therefore, at a level of performance to ensure his making of payments on
bank loans in full and in due time. This approach admits, concurrently, the banks’ responsibility to get performance
in their activity, by recovering in full and on time the corresponding debts and by ensuring the maintenance of the
ongoing loans in the current category, considered, implicitly, performing.