\nRaportul cost\/venit, unul dintre cei mai importan\u0163i indicatori care m\u0103soar\u0103 eficien\u0163a b\u0103ncilor, s-a situat \u00een 2021 \u00eentre 33% \u015fi 81%, la nivelul a opt dintre cele mai mari b\u0103nci dup\u0103 active de pe pia\u0163a rom\u00e2neasc\u0103.<\/p>\n
\nUn indicator cost\/venit opera\u00ad\u0163ional mare reflect\u0103 o profitabilitate opera\u0163ional\u0103 deficitar\u0103. Eficien\u0163a opera\u0163ional\u0103 la nivelul sistemului bancar poate fi \u00eembun\u0103t\u0103\u0163it\u0103 at\u00e2t prin cre\u015fterea gradului de intermediere, c\u00e2t \u015fi prin continuarea tendin\u0163elor de consolidare.<\/p>\n
\nO \u00eentrebare care apare este cum reu\u015fesc unii bancheri s\u0103 aib\u0103 venituri duble sau chiar triple fa\u0163\u0103 de cheltuieli. \u015ei \u00een ce alte sectoare mai reu\u015fesc firmele s\u0103 ob\u0163in\u0103 c\u00e2\u015ftiguri duble fa\u0163\u0103 de costuri.<\/p>\n
\nIndicatorul costuri\/venituri (cost income ratio \u2013 engl.) calculat pentru domeniul bancar nu este direct comparabil cu alte sectoare \u015fi aparen\u0163a c\u0103 b\u0103ncile ob\u0163in venituri duble fa\u0163\u0103 de cheltuieli decurge din modul de calcul al indicatorului. \u00cen determinarea indicatorului se lucreaz\u0103 cu dob\u00e2nda net\u0103, astfel c\u0103 cea mai important\u0103 cheltuial\u0103 bancar\u0103, cea cu plata dob\u00e2nzilor la depozite \u015fi la credite, s\u0103 fie eliminat\u0103 din calculul raportului costuri\/ venituri. Costurile r\u0103mase sunt doar cheltuielile cu salariile \u015fi alte cheltuieli opera\u0163ionale, sus\u0163ine analistul economic Aurelian Dochia.<\/p>\n
\nPragul semnal indicat de Autoritatea Bancar\u0103 European\u0103 (EBA) pentru raportul cost\/venit este de 50-60%.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Raportul cost\/venit, unul dintre cei mai importan\u0163i indicatori care m\u0103soar\u0103 eficien\u0163a b\u0103ncilor, s-a situat \u00een 2021 \u00eentre 33% \u015fi 81%, la nivelul a opt dintre cele mai mari b\u0103nci dup\u0103 active de pe pia\u0163a rom\u00e2neasc\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":[46409,8037,6909],"class_list":["post-203617","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bancile","tag-sistem-bancar","tag-venituri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/203617","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=203617"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/203617\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=203617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=203617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=203617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}