{"id":168460,"date":"2019-02-01T11:01:30","date_gmt":"2019-02-01T11:01:30","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=168460"},"modified":"2019-02-01T11:01:30","modified_gmt":"2019-02-01T11:01:30","slug":"rasturnare-uriasa-de-situatie-ce-spun-datele-bnr-ce-dobanzi-cer-bancile-din-romania-fata-de-bancile-din-cehia-polonia-sau-zona-euro","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=168460","title":{"rendered":"R\u0102STURNARE uria\u015f\u0103 de situa\u0163ie: Ce spun datele BNR. Ce dob\u00e2nzi cer b\u0103ncile din Rom\u00e2nia fa\u0163\u0103 de b\u0103ncile din Cehia, Polonia sau Zona Euro"},"content":{"rendered":"

\nIar aplicarea taxei pe activele b\u0103ncilor poate determina unele institu\u0163ii de credit s\u0103 men\u0163in\u0103 marjele la aceste niveluri sau chiar s\u0103 le majoreze pentru a reu\u015fi s\u0103 acopere costurile suplimentare, dup\u0103 cum au sus\u0163inut unii bancheri.<\/p>\n

\nDac\u0103 \u00een prim\u0103vara \u015fi \u00een vara anului trecut marja de c\u00e2\u015ftig a oscilat preponderent \u00een jurul nivelului de 7 puncte procentuale, finalul anului 2018 a adus o sc\u0103dere a marjei spre 6,3 puncte. Pe m\u0103sur\u0103 ce BNR a majorat dob\u00e2nda-cheie \u00een 2018, p\u00e2n\u0103 la 2,5%, banii s-au scumpit pe pia\u0163a monetar\u0103. Iar bancherii s-au gr\u0103bit s\u0103 scumpeasc\u0103 creditarea, dar au \u00eent\u00e2rziat s\u0103 pl\u0103teasc\u0103 mai mult pentru depozitele atrase, \u00eencerc\u00e2nd astfel s\u0103-\u015fi consolideze marjele de profit.<\/div>\n
\n <\/div>\n
\n \u00cen timp ce la depozite majoritatea dob\u00e2nzilor sunt \u00een continuare la un nivel modest, dob\u00e2nzile la credite sunt pe un trend ascendent. Marjele mari dintre dob\u00e2nzile percepute de b\u0103nci la credite \u015fi cele pl\u0103tite clien\u0163ilor pen\u00adtru depozite sunt \u00een continuare o caracteristic\u0103 a modelului de func\u0163ionare a sectorului bancar rom\u00e2nesc, dup\u0103 cum a ar\u0103tat \u015fi BNR. <\/div>\n
\n <\/div>\n
\nCititi mai multe pe www.zf.ro<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

B\u0103ncile locale aveau anul trecut un nivel ridicat al marjei de c\u00e2\u015ftig – diferen\u0163a dintre dob\u00e2nda la creditele noi \u015fi cea la depozitele noi \u00een lei – pentru clien\u0163ii de retail, de 6-7 puncte procentuale.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[485,439,16892],"class_list":["post-168460","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-depozite","tag-puncte"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/168460","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=168460"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/168460\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=168460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=168460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=168460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}