\n\u201dPia\u0163a de banking din Rom\u00e2nia se contract\u0103. Dac\u0103 ne uit\u0103m la urm\u0103torii trei-patru ani, pia\u0163a de banking se va contracta at\u00e2t \u00een termeni de active, c\u00e2t \u015fi \u00een termeni de portofoliu de credite. Cifrele BNR arat\u0103 c\u0103 sunt cam 24-25% credite neperformante \u00een sistem. Portofoliul de \u00eemprumuturi din Rom\u00e2nia este de 226 miliarde euro, deci dac\u0103 iei un sfert din suma asta te apropii de 57,5 miliarde de credite neperformante. Situa\u0163ia asta trebuie s\u0103 fie reparat\u0103, pentru ca economia s\u0103 fie cu adev\u0103rat restartat\u0103.<\/p>\n
\nOricum, este doar o parte a ecua\u0163iei. Mai sunt \u015fi cli\u015feele legate de stabilitatea legisla\u0163iei, de \u00eembun\u0103t\u0103\u0163irea mediului de afaceri, de stimulente pentru investitorii str\u0103ini, de o treab\u0103 c\u00e2t mai bun\u0103 a agen\u0163iilor care se ocup\u0103 de absorb\u0163ia fondurilor europene. Dac\u0103 toate aceste componente sunt luate \u00een calcul \u015fi conduse corect din punct de vedere guvernamental, pot pune Rom\u00e2nia pe o direc\u0163ie de cre\u015ftere sustenabil\u0103 pentru urm\u0103torul deceniu. Dar toate aceste lucruri nu pot fi rezolvate de o banc\u0103 individual\u0103 sau de o asocia\u0163ie bancar\u0103, ci de elita aleas\u0103 a \u0163\u0103rii, \u00eentr-un mod coerent\u201d.<\/p>\n
\n\u00cen tot acest tablou, Spurny spune c\u0103 de fapt \u00eel intereseaz\u0103 doar s\u0103 cure\u0163e curtea BCR de noroi, l\u0103sat \u00een urm\u0103 de criza pe care o nume\u015fte metaforic inunda\u0163ie: \u201dProcesul de cre\u015ftere a creditelor neperformante at\u00e2t la BCR, c\u00e2t \u015fi \u00een sistem, a \u00eencetinit substan\u0163ial. De la sf\u00e2r\u015fitul lui 2012 \u015fi \u00eenceputul lui 2013 banca a investit resurse \u00een construc\u0163ia unei platforme interne care s\u0103 se ocupe de NPL.<\/p>\n
\nSunt 500 de persoane care se ocup\u0103 direct de acestea, iar dac\u0103 m\u0103 uit la num\u0103rul de angaja\u0163i ai b\u0103ncii (6.200 angaja\u0163i), a\u015f spune c\u0103 de fapt cam 1.000-1.200 de angaja\u0163i nu fac altceva dec\u00e2t s\u0103 se ocupe \u00eentr-un fel sau altul de problema NPL\u201d. CEO-ul BCR spune c\u0103 portofoliul de credite neperformante nu este doar o problem\u0103 de bilan\u0163, ci o problem\u0103 de costuri \u015fi o alta de focus \u00een strategia b\u0103ncii: \u201dnoi ar trebui s\u0103 ne ocup\u0103m de partea s\u0103n\u0103toas\u0103 a economiei, \u00eentr-o lume ideal\u0103\u201d. \u00cen lumea nu tocmai ideal\u0103 \u00een care a venit Spurny de la \u00eenceputul lui 2013, o parte important\u0103 a strategiei \u015fi a eforturilor BCR merg \u00een direc\u0163ia rezolv\u0103rii problemelor legate de creditele neperformante.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Tomas Spurny, CEO al BCR, crede c\u0103 nu este treaba b\u0103ncilor s\u0103 readuc\u0103 Rom\u00e2nia pe un trend de cre\u015ftere economic\u0103. Pe de alt\u0103 parte, admite c\u0103 portofoliul de credite neperformante din sistemul bancar este \u201do barier\u0103 \u00een calea revenirii economice\u201d. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7208],"tags":[192,7267,5078,125,15127,246,190,274,161,11563,16978,9781,8037,26175],"class_list":["post-113005","post","type-post","status-publish","format-standard","hentry","category-servicii-financiare","tag-angajati","tag-banci","tag-bcr","tag-ceo","tag-credite-neperformante","tag-crestere","tag-crestere-economica","tag-incepere","tag-miliarde","tag-ocupare","tag-portofoliu","tag-revenire","tag-sistem-bancar","tag-tomas-spurny"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/113005","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=113005"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/113005\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=113005"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=113005"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=113005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}