Rozália Pál is economist at the European Investment Bank, Country and Financial Sector Analysis Division of the Economics Department. She is responsible for macroeconomic and financial analysis in particular for Romania, Croatia and Non - EU Western Balkan Countries. She is contributing to the EIB publications, such as the EIB Investment Report and Bank Lending Survey. Her research focus is on financing constraints, investment barriers and high growth enterprises. Rozália has more than ten-years work experience in banking sector, working previously as chief economist in two private banks. She conducted several research projects previously at the European Central Bank and at the European University Viadrina, Frankfurt (Oder). She has published several papers in journals, such as Applied Financial Economics and European Journal of Finance.