{"id":195380,"date":"2021-07-02T10:31:14","date_gmt":"2021-07-02T10:31:14","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=195380"},"modified":"2021-07-02T10:31:14","modified_gmt":"2021-07-02T10:31:14","slug":"cat-ne-costa-pandemia-bnr-trage-linie-conform-rezultatelor-exercitiului-de-testare-la-stres-bancile-vor-avea-in-plus-peste-35-mld-euro-credite-neperformante-in-bilanturi-rata-npl-urca-spre-10-in","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=195380","title":{"rendered":"C\u00e2t ne cost\u0103 pandemia? BNR trage linie: Conform rezultatelor exerci\u0163iului de testare la stres, b\u0103ncile vor avea \u00een plus peste 3,5 mld. euro credite neperformante \u00een bilan\u0163uri. Rata NPL urc\u0103 spre 10% \u00een 2022"},"content":{"rendered":"

\nInsolven\u0163ele \u015fi disponibiliz\u0103rile de personal duc la cre\u015fterea ratei NPL. Getica 95, cel mai mare furnizor de energie concuren\u0163ial, \u015fi lan\u0163ul de libr\u0103rii Diverta au intrat \u00een insolven\u0163\u0103.<\/strong><\/em><\/p>\n

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\nBNR se a\u015fteapt\u0103 la o cre\u015ftere a ratei creditelor neperforman\u00adte (NPL – non-performing loans) dup\u0103 eliminarea gradual\u0103 a m\u0103surilor de protec\u0163ie destina\u00adte amelior\u0103rii efectelor pandemiei (imple\u00admen\u00adtate prin moratoriile publice \u015fi private), pe fondul incertitudinilor legate de revenirea economic\u0103.<\/p>\n

\nConform rezultatelor exerci\u0163iului de tes\u00adta\u00adre la stres a sectorului bancar derulat de BNR la sf\u00e2r\u015fitul anului 2020, \u00een cadrul sce\u00adna\u00adriului de baz\u0103, rata creditelor neperfor\u00admante ar atinge 9,2% \u00een decembrie 2021, respectiv 9,9% \u00een decembrie 2022 (ipotezele exer\u00adci\u00ad\u0163iu\u00adlui au \u00een vedere inclusiv realizarea de ope\u00adra\u00ad\u0163iuni de cur\u0103\u0163are bilan\u0163ier\u0103 \u015fi de scoatere \u00een afa\u00adra bilan\u0163ului), ceea ce ar de\u00adter\u00admina o repo\u00adzi\u0163\u00adionare a indicatorului \u00een ca\u00adte\u00adgoria cu risc ri\u00addicat, conform abord\u0103rii eu\u00adro\u00adpene, dup\u0103 cum sus\u0163ine BNR \u00een Raportul anual.<\/p>\n

\nRata NPL a r\u0103mas \u00een primele patru luni din 2021 sub 4%, \u00een aprilie sta\u00ad\u0163io\u00adn\u00e2nd la 3,94%, dar este peste nivelul din decembrie 2020, de 3,83%.<\/p>\n

\nAv\u00e2nd \u00een vedere sol\u00addul cre\u00addi\u00adtelor private to\u00adta\u00adle (retail \u015fi cor\u00adporate) care oscileaz\u0103 \u00een ju\u00adrul a 60 mld. euro, reiese c\u0103 volumul ne\u00adperfor\u00admante\u00adlor va ajunge la circa 6 mld. euro c\u00e2nd rata NPL se va apro\u00adpia de 10% \u00een 2022, adic\u0103 peste 3,5 mld. euro \u00een plus fa\u0163\u0103 de nivelul ac\u00adtual al \u00eem\u00adpru\u00admuturilor neperformante din bi\u00adlan\u00ad\u0163urile b\u0103ncilor, de mai pu\u0163in de 2,5 mld. euro.<\/p>\n

\n\u00cen contextul crizei COVID-19, BNR a flexibilizat cadrul pruden\u0163ial pentru institu\u00ad\u0163iile financiare astfel c\u0103 am\u00e2narea la plat\u0103 a ratelor, determinat\u0103 de criza corona\u00advirusului, 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 mai mult de 3 luni nu au fost considerate proble\u00adma\u00adti\u00adce\/neperfor\u00admante \u015fi b\u0103n\u00adcile nu au fost nevoite s\u0103 pu\u00adn\u0103 bani deoparte pro\u00advizion\u00e2ndu-le.<\/p>\n

\n\u00cens\u0103 probleme pot s\u0103 apar\u0103 dac\u0103 unele persoane fizice sau companii, afectate de impactul economic negativ al crizei coronavirusului nu vor reu\u015fi s\u0103 reia plata creditelor dup\u0103 expirarea facilit\u0103\u0163ilor de am\u00e2nare a ratelor la credite permise.<\/p>\n

\n\u00cen plus, ca \u015fi \u00een celelalte crize economice, pot s\u0103 se \u00eenmul\u0163easc\u0103 insolven\u0163ele \u015fi disponibiliz\u0103rile, cu impact asupra cre\u015fterii ratei de neperforman\u0163\u0103.<\/p>\n

\nDeja, Getica 95, cel mai mare furnizor de energie concuren\u0163ial, \u015fi lan\u0163ul de libr\u0103rii Diverta sunt companii locale care \u015fi-au cerut intrarea \u00een insolven\u0163\u0103 \u00een 2021.<\/p>\n

\nPrincipalele sectoare de activitate care au \u00eent\u00e2mpinat dificult\u0103\u0163i financiare \u015fi au beneficiat de moratoriului de am\u00e2nare la plat\u0103 sunt industria prelucr\u0103toare, activit\u0103\u0163ile imobiliare \u015fi comer\u0163ul cu ridicata \u015fi am\u0103nuntul. \u00centr-o m\u0103sur\u0103 mai restr\u00e2ns\u0103 au fost afectate \u015fi sectoarele de servicii de cazare \u015fi restaurante, construc\u0163ii \u015fi transport \u015fi depozitare.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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

BNR se a\u015fteapt\u0103 la o cre\u015ftere a ratei creditelor neperforman\u00adte (NPL – non-performing loans) dup\u0103 eliminarea gradual\u0103 a m\u0103surilor de protec\u0163ie destina\u00adte amelior\u0103rii efectelor pandemiei (imple\u00admen\u00adtate prin moratoriile publice \u015fi private), pe fondul incertitudinilor legate de revenirea economic\u0103.<\/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":[7267,185,7283,15127,14847,9980],"class_list":["post-195380","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-bnr","tag-costuri","tag-credite-neperformante","tag-pandemie","tag-rata"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195380","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=195380"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/195380\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=195380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=195380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=195380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}