{"id":179012,"date":"2020-01-10T08:52:29","date_gmt":"2020-01-10T08:52:29","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=179012"},"modified":"2020-01-10T08:52:29","modified_gmt":"2020-01-10T08:52:29","slug":"bancile-din-romania-sunt-mai-profitabile-si-mai-solvabile-decat-cele-europene-dar-dau-mai-putine-credite-de-ce","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=179012","title":{"rendered":"B\u0103ncile din Rom\u00e2nia sunt mai profitabile \u015fi mai solvabile dec\u00e2t cele europene, dar dau mai pu\u0163ine credite. De ce?"},"content":{"rendered":"<p>\nSistemul bancar rom\u00e2nesc are in\u00addi\u00adca\u00adtori pruden\u0163iali de solvabi\u00adlitate, pro\u00adfitabilitate \u015fi structur\u0103 a bilan\u00ad\u0163u\u00adlui mai buni dec\u00e2t media euro\u00adpea\u00adn\u0103, \u00eens\u0103 calitatea activelor face \u00een continuare not\u0103 discordant\u0103, din cauza ratei creditelor neperformante (NPL-non-perfor\u00adming loans) \u015fi a celei a creditelor cu m\u0103suri de re\u00adstructurare, care, de\u015fi au sc\u0103zut puternic se men\u0163in peste nivelurile medii din UE, dup\u0103 cum reiese din datele BNR.<\/p>\n<p>\nDatele din tabloul de risc pentru sistemul bancar rom\u00e2nesc arat\u0103 c\u0103 majoritatea indicatorilor se \u00eencadreaz\u0103 \u00een cel mai bun interval de pruden\u0163\u0103 \u00een primele nou\u0103 luni din 2019, iar performan\u0163a este superioar\u0103 mediei europene, care are cei mai mul\u0163i indicatori la categoria \u201eintermediar\u201c.<\/p>\n<p>\n\u00cen cazul Rom\u00e2niei, \u00een intervalul de pruden\u0163\u0103 \u201eintermediar\u201c se reg\u0103sesc rata credi\u00adtelor neperformante, rata m\u0103surilor de restructurare \u015fi raportul cost\/venit.<\/p>\n<p>\nRata creditelor neperformante a sc\u0103zut puternic \u00een Rom\u00e2nia, cobor\u00e2nd sub 5% \u00een 2019 (4,6% \u00een septembrie 2019), dar r\u0103m\u00e2ne \u00een banda intermediar\u0103 de risc dep\u0103\u015find \u00een continuare media UE, de 3%. Rata creditelor restructurate a fost anul trecut pentru b\u0103ncile din Rom\u00e2nia de 2,91%, tot peste media UE, de 1,9%.&nbsp;<\/p>\n<p>\nRaportul cost\/venit pentru sistemul bancar ro\u00adm\u00e2nesc este sub media UE, de 64%, ajun\u00adg\u00e2nd la 53,1% \u00een primele nou\u0103 luni din 2019, dar r\u0103m\u00e2ne peste pragul recomandat de 50%. \u201eEficien\u0163a opera\u0163ional\u0103 plaseaz\u0103 sectorul bancar rom\u00e2nesc \u00eentr-un interval cu risc mediu, nevoia de \u00eembun\u0103t\u0103\u0163ire fiind mai pregnant\u0103 la nivelul unor b\u0103nci de talie mic\u0103 \u015fi medie\u201c, sus\u0163ine BNR.<\/p>\n<p>\nStructura bilan\u0163ier\u0103 a r\u0103mas echilibrat\u0103 \u015fi anul trecut, respect\u00e2nd standardele \u00een privin\u0163a ra\u00adpor\u00adtului dintre credite \u015fi depozite (73,4%), procentul mic indic\u00e2nd faptul c\u0103 exist\u0103 poten\u0163ial de creditare, \u00een timp ce media UE a fost de 116,4%.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte profitabilitatea siste\u00admu\u00adlui bancar rom\u00e2nesc este aproape dubl\u0103 fa\u0163\u0103 de media UE. Indicatorul de profitabilitate ROE (rata rentabilit\u0103\u0163ii capitalului) era la finele primelor nou\u0103 luni din 2019 de circa 12%, \u00een timp ce media la nivelul UE era de 7%.&nbsp;<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/18695888\/2\/1-banci.jpg?height=273&#038;width=250\" style=\"width: 250px; height: 273px; margin-top: 10px; margin-bottom: 10px;\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sistemul bancar rom\u00e2nesc are in\u00addi\u00adca\u00adtori pruden\u0163iali de solvabi\u00adlitate, pro\u00adfitabilitate \u015fi structur\u0103 a bilan\u00ad\u0163u\u00adlui mai buni dec\u00e2t media euro\u00adpea\u00adn\u0103, \u00eens\u0103 calitatea activelor face \u00een continuare not\u0103 discordant\u0103, din cauza ratei creditelor neperformante (NPL-non-perfor\u00adming loans) \u015fi a celei a creditelor cu m\u0103suri de re\u00adstructurare, care, de\u015fi au sc\u0103zut puternic se men\u0163in peste nivelurile medii din UE, dup\u0103 [&hellip;]<\/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":[9323,25593,42761,7326,13324],"class_list":["post-179012","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-active","tag-banci-europene","tag-bancile-din-romania","tag-profitabilitate","tag-solvabilitate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/179012","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=179012"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/179012\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=179012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=179012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=179012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}