{"id":186677,"date":"2020-09-28T20:15:24","date_gmt":"2020-09-28T20:15:24","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=186677"},"modified":"2020-09-28T20:15:24","modified_gmt":"2020-09-28T20:15:24","slug":"toamna-aduce-o-noua-sucursala-bancara-straina-pe-piata-romaneasca","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=186677","title":{"rendered":"Toamna aduce o nou\u0103 sucursal\u0103 bancar\u0103 str\u0103in\u0103 pe pia\u0163a rom\u00e2neasc\u0103"},"content":{"rendered":"

\n\u2666 Urm\u0103rind restructurarea datoriilor \u00een sectorul bancar, Hoist Finance din Suedia a cump\u0103rat \u015fi a restructurat credite rele, neperformante, de la b\u0103nci mari din Europa \u2666 B\u0103ncile de pe pia\u0163a rom\u00e2neasc\u0103 au apelat \u00een anii de criz\u0103 economic\u0103 \u015fi financiar\u0103 la v\u00e2nz\u0103ri ale creditelor neperformante c\u0103tre companii specializate de recuperare crean\u0163e, precum APS, EOS KSI, Kruk sau Coface, pentru a-\u015fi cur\u0103\u0163a bilan\u0163urile.<\/strong><\/em><\/p>\n

\nBanca suedez\u0103 Hoist Finance AB a de\u00adcis s\u0103 intre pe pia\u0163a bancar\u0103 rom\u00e2\u00adneas\u00adc\u0103 \u015fi s\u0103 opereze \u00een regim de sucur\u00adsa\u00adl\u0103, luna anun\u0163at\u0103 pentru \u00eenceperea activit\u0103\u0163ii fiind septembrie 2020.<\/p>\n

\nHoist Finance AB (publ.) Stoc\u00adkholm – Sucursala Bucure\u015fti figu\u00adrea\u00adz\u0103 \u00een registrul institu\u0163iilor de credit de la Banca Na\u0163io\u00adnal\u0103, la cate\u00adgoria su\u00adcur\u00adsale ale in\u00adsti\u00adtu\u00ad\u0163iilor de cre\u00addit din alte sta\u00adte mem\u00adbre ale Uniunii Eu\u00adro\u00adpene (UE), iar data de \u00eenma\u00adtriculare a b\u0103ncii \u00een acest registru este 18 martie 2020.<\/p>\n

\n\u201eSucursala inten\u00ad\u0163io\u00adneaz\u0103 s\u0103 \u00eenceap\u0103 activi\u00adta\u00adtea la data de 1 septembrie 2020\u201c, se men\u00ad\u00ad\u0163ioneaz\u0103 \u00een registrul BNR la Hoist Fi\u00adnance Stockholm – Sucursala Bucure\u015fti.<\/p>\n

\nInstitu\u0163iile de credit autorizate \u015fi su\u00adpra\u00ad\u00advegheate de autoritatea compe\u00adten\u00adt\u0103 dintr-un alt stat membru pot \u00een\u00adfiin\u0163a su\u00adcur\u00adsale pe teritoriul Rom\u00e2niei pe baza no\u00ad\u00adti\u00adfic\u0103rii transmise B\u0103ncii Na\u00ad\u0163ionale a Ro\u00ad\u00adm\u00e2niei de autoritatea com\u00adpe\u00adtent\u0103 din sta\u00adtul membru de origine. Supra\u00adve\u00adghe\u00adrea pruden\u0163ial\u0103 a acestor sucursale este re\u00ada\u00adlizat\u0103 de autoritatea com\u00adpetent\u0103 din sta\u00adtul membru de origine a institu\u0163iei de cre\u00addit, f\u0103r\u0103 a se aduce atin\u00adgere com\u00adpe\u00adten\u0163elor B\u0103ncii Na\u0163ionale a Rom\u00e2niei prev\u0103zute de OUG nr. 99\/2006 (conform art. 45 alin. (1), art.55 \u015fi art.208 din OUG nr.99\/2006), potrivit regulilor BNR.<\/p>\n

\nUrm\u0103rind restructurarea datoriilor \u00een sectorul bancar, Hoist Finance din Suedia a cump\u0103rat \u015fi a restructurat cre\u00addite rele, neperformante, de la b\u0103nci mari din Europa. Firma suedez\u0103 ope\u00adrea\u00adz\u0103 pe pie\u0163e precum Marea Britanie, Germania, Fran\u0163a, Belgia, Olanda, Po\u00adlonia \u015fi Spania, dar \u015fi-a \u00eendreptat aten\u0163ia \u015fi c\u0103tre Grecia \u015fi Italia.<\/p>\n

\nDe exemplu, banca suedez\u0103 Hoist Finance a ajutat b\u0103nci interna\u0163ionale, pre\u00adcum Deutsche Bank \u015fi Banco Sant\u00adander, s\u0103-\u015fi restructureze datoriile prin achizi\u0163ionarea sau gestionarea unor credite de consum neperformante.<\/p>\n

\nNoua criz\u0103 adus\u0103 de pandemia de co\u00adronavirus va afecta \u00eentreaga econo\u00admie \u015fi, implicit, \u015fi sectorul financiar, \u015fi poate aduce, \u00een timp, o cre\u015ftere a ratei creditelor neperformante (NPL – non-performing loans).<\/p>\n

\nPe pia\u0163a rom\u00e2neasc\u0103, rata NPL a os\u00adcilat \u00een primele cinci luni din 2020 \u00een jurul nivelului de 4%, pentru ca \u00een iunie \u015fi iulie s\u0103 treac\u0103 de 4,3%. Comparativ, la sf\u00e2r\u015fitul anului 2019, rata NPL era 4,08%.<\/p>\n

\n\u00cen ultimii ani, rata NPL a sc\u0103zut mult \u00een Rom\u00e2nia dup\u0103 ce \u00een perioada crizei economice unu din cinci credite e\u015fuase \u00een categoria neperformantelor, devenind o problem\u0103 major\u0103 pentru sistemul bancar.<\/p>\n

\nB\u0103ncile de pe pia\u0163a rom\u00e2neasc\u0103 au apelat \u00een anii de criz\u0103 economic\u0103 \u015fi financiar\u0103 la v\u00e2nz\u0103ri ale creditelor neperformante c\u0103tre companii specializate de recuperare crean\u0163e, precum APS Rom\u00e2nia, EOS KSI Rom\u00e2nia, Kruk sau Coface, pentru a-\u015fi cur\u0103\u0163a bilan\u0163urile.<\/p>\n

\nPia\u0163a local\u0103 a tranzac\u0163iilor cu credite neperformante a fost una dintre cele mai dinamice pie\u0163e \u00een ultimul deceniu, b\u0103ncile pun\u00e2nd pe masa recuperatorilor finan\u0163\u0103ri cu probleme de la c\u00e2teva zeci de milioane de euro pe an \u00een perioada 2008-2014 la miliarde de euro pe an \u00een perioada 2015 – 2018.<\/p>\n

\n\u00cen ultimii patru ani rata creditelor neperformante s-a redus \u00een Rom\u00e2nia de mai mult de trei ori, cel mai rapid ritm de sc\u0103dere din UE. Dup\u0103 ce anul 2017 a fost mai dinamic pe segmentul tranzac\u0163iilor cu credite neperformante, anii 2018 \u015fi 2019 au venit cu o \u00eencetinire a ritmului, \u00een condi\u0163iile \u00een\u0103spririi legisla\u0163iei fiscale. Dincolo de impactul modific\u0103rilor fiscale care au vizat tranzac\u0163iile cu NPL-uri, temperarea v\u00e2nz\u0103rilor de credite neperformante din ultimii ani a fost \u015fi un semn c\u0103 bancherii au cur\u0103\u0163at o parte important\u0103 din bilan\u0163uri, situa\u0163ie reflectat\u0103 de altfel \u015fi \u00een nivelul din ce \u00een ce mai sc\u0103zut al ratei de neperforman\u0163\u0103.<\/p>\n

\n\u00cen contextul crizei coronavirusului, BNR a flexibilizat cadrul pruden\u0163ial pentru b\u0103nci \u015fi institu\u0163iile financiare nebancare astfel c\u0103 am\u00e2narea la plat\u0103 a ratelor, determinat\u0103 de impactul acestei crize, nu trebuie asociat\u0103 unei no\u0163iuni de dificultate financiar\u0103 a debitorului, iar institu\u0163ia bancar\u0103 nu trebuie s\u0103 constituie provizioanele pe sumele datorate, ca urmare a restructur\u0103rii. Astfel, creditele am\u00e2nate pe o perioad\u0103 mai mare de 3 luni nu vor fi considerate problematice\/neperformante \u015fi b\u0103ncile nu trebuie s\u0103 pun\u0103 bani deoparte provizion\u00e2ndu-le.<\/p>\n

\n\u00cens\u0103, probleme pot ap\u0103rea dac\u0103 unii debitori – persoane fizice sau companii – afecta\u0163i de impactul economic negativ al crizei coronavirus, nu vor reu\u015fi s\u0103 reia plata creditelor dup\u0103 expirarea p\u0103suirii permis\u0103 de cadrul legislativ. \u00cen aceste condi\u0163ii, rata NPL poate reveni pe cre\u015ftere puternic\u0103.<\/p>\n

\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Banca suedez\u0103 Hoist Finance AB a de\u00adcis s\u0103 intre pe pia\u0163a bancar\u0103 rom\u00e2\u00adneas\u00adc\u0103 \u015fi s\u0103 opereze \u00een regim de sucur\u00adsa\u00adl\u0103, luna anun\u0163at\u0103 pentru \u00eenceperea activit\u0103\u0163ii fiind septembrie 2020.<\/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":[236,7267,306,60],"class_list":["post-186677","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca","tag-banci","tag-bucuresti","tag-piata"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/186677","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=186677"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/186677\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=186677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=186677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=186677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}