{"id":221906,"date":"2023-11-28T20:58:32","date_gmt":"2023-11-28T20:58:32","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=221906"},"modified":"2026-04-10T08:32:23","modified_gmt":"2026-04-10T08:32:23","slug":"ce-spune-agentia-de-rating-moodys-despre-banca-transilvania-performantele-financiare-vor-ramane-rezistente-in-pofida-turbulentelor-macroeconomice-indicatori-de-rentabilitate-solida-sustinu","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=221906","title":{"rendered":"Ce spune agen\u0163ia de rating Moody\u2019s despre Banca Transilvania: Performan\u0163ele financiare vor r\u0103m\u00e2ne rezistente \u00een pofida turbulen\u0163elor macroeconomice. Indicatori de rentabilitate solid\u0103, sus\u0163inu\u0163i de pozi\u0163ia de lider de pia\u0163\u0103"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222\">\u2666<\/span> Expunerea b\u0103ncii este \u00eens\u0103 semnificativ\u0103 pe creditele \u00een valut\u0103, precum \u015fi pe creditele de consum, vulnerabile la impactul unor rate mai mari ale dob\u00e2nzilor \u015fi al infla\u0163iei.<\/strong><\/em><\/p>\n<p>\nAgen\u0163ia de evaluare financiar\u0103 Moody\u2019s, care a ini\u0163iat \u00een premier\u0103 acoperirea B\u0103ncii Transilvania (simbol bursier TLV) prin clasarea b\u0103ncii \u00een categoria recomandat\u0103 investi\u0163iilor cu perspectiv\u0103 stabil\u0103, spune c\u0103 rentabilitatea \u015fi capitalul b\u0103ncii vor r\u0103m\u00e2ne solide \u00een pofida turbulen\u0163elor macroeconomice.<\/p>\n<p>\n\u201ePerspectiva stabil\u0103 a ratingurilor depozitelor bancare pe termen lung \u015fi a ratingurilor emitentului pe termen lung ale B\u0103ncii Transilvania reflect\u0103 a\u015ftept\u0103rile Moody&#8217;s conform c\u0103rora performan\u0163a financiar\u0103 a b\u0103ncii, \u00een special capitalul \u015fi profitabilitatea, vor r\u0103m\u00e2ne rezistente \u00een pofida turbulen\u0163elor macroeconomice, precum \u015fi ipoteza agen\u0163iei c\u0103 structura pasivelor sale nu se va schimba \u00een mod semnificativ \u00een timp ce se adapteaz\u0103 la respectarea MREL\u201c, scrie Moody\u2019s \u00een raportul de evaluare.<\/p>\n<p>\nBanca Transilvania are \u015fi rating BB+ de la agen\u0163ia de evaluare financiar\u0103 Fitch.<\/p>\n<p>\nMoody&#8217;s Investors Service a atribuit pe 27 noiembrie 2023 pentru prima dat\u0103 calificativele Baa2\/P-2 pentru depozite pe termen lung \u015fi pe termen scurt \u015fi Baa3\/P-3 pentru emisiuni pe termen lung \u015fi pe termen scurt ale B\u0103ncii Transilvania. Agen\u0163ia consider\u0103 c\u0103 banca are un nivel al capitalului robust (CET1) de 18,6% la sf\u00e2r\u015fitul lunii iunie 2023, cu indicatori de rentabilitate solid\u0103, sus\u0163inu\u0163i de pozi\u0163ia de lider de pia\u0163\u0103 \u015fi de poten\u0163ialul de cre\u015ftere puternic\u0103 a afacerii. \u201eAv\u00e2nd \u00een vedere c\u0103 depozitele clien\u0163ilor reprezentau 83% din totalul pasivelor (inclusiv capitalurile proprii) \u00een iunie 2023, Banca Transilvania se bazeaz\u0103 \u00eentr-o m\u0103sur\u0103 redus\u0103 pe finan\u0163are sensibil\u0103 la sentimentul de pia\u0163\u0103, de aproximativ 5% din activele bancare tangibile, care va cre\u015fte modest pe m\u0103sur\u0103 ce banca va emite datorii pentru a se conforma cerin\u0163ei minime de finan\u0163are nerambursabil\u0103 \u015fi pasive eligibile (MREL)\u201c, noteaz\u0103 Moody\u2019s.<\/p>\n<p>\nPe de alt\u0103 parte agen\u0163ia consider\u0103 c\u0103 ratingul ba1 surprinde riscuri crescute generate de o pondere semnificativ\u0103 a \u00eemprumuturilor \u00een valut\u0103 (aproximativ o treime), care expune banca la risc valutar, precum \u015fi expunerea la creditele de consum, care sunt vulnerabile la impactul unor rate mai mari ale dob\u00e2nzilor \u015fi al infla\u0163iei.<\/p>\n<p>\n\u201eCondi\u0163iile macroeconomice r\u0103m\u00e2n, de asemenea, fragile, av\u00e2nd \u00een vedere riscurile geopolitice ridicate \u015fi poten\u0163iala \u00eencetinire a cre\u015fterii economice \u00een Europa\u201c. Banca a \u00eenregistrat o cre\u015ftere puternic\u0103, at\u00e2t pe cale organic\u0103, c\u00e2t \u015fi prin achizi\u0163ii, \u015fi este cea mai mare banc\u0103 din Rom\u00e2nia dup\u0103 activele totale, cu o cot\u0103 de pia\u0163\u0103 de aproximativ 20% la sf\u00e2r\u015fitul anului 2022. Liviu Popescu<\/p>\n<p>\nBanca Transilvania a raportat un profit net consolidat de 2,3 miliarde de lei \u00een primele nou\u0103 luni din 2023, \u00een cre\u015ftere de la 1,68 miliarde de lei din aceea\u015fi perioad\u0103 a lui 2022, deci mai mare cu 37%.<\/p>\n<p>\nPe de alt\u0103 parte veniturile opera\u0163ionale au fost de 5,6 mld. lei, \u00een cre\u015ftere de la 4,4 mld. lei. Cheltuielile opera\u0163ionale \u00een primele nou\u0103 luni au fost de 2,75 mld. lei fa\u0163\u0103 de 2,49 mld. lei. Activele consolidate ale b\u0103ncii au ajuns la 157,6 mld. lei, fa\u0163\u0103 de 140,5 mld. lei la finalul lui 2022.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u2666 Expunerea b\u0103ncii este \u00eens\u0103 semnificativ\u0103 pe creditele \u00een valut\u0103, precum \u015fi pe creditele de consum, vulnerabile la impactul unor rate mai mari ale dob\u00e2nzilor \u015fi al infla\u0163iei. Agen\u0163ia de evaluare financiar\u0103 Moody\u2019s, care a ini\u0163iat \u00een premier\u0103 acoperirea B\u0103ncii Transilvania (simbol bursier TLV) prin clasarea b\u0103ncii \u00een categoria recomandat\u0103 investi\u0163iilor cu perspectiv\u0103 stabil\u0103, spune [&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":[9646,236,237,33098,187,184,10042,10266],"class_list":["post-221906","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-agentie","tag-banca","tag-banca-transilvania","tag-credite-de-consum","tag-dobanzi","tag-inflatie","tag-moodys","tag-valuta"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221906","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=221906"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221906\/revisions"}],"predecessor-version":[{"id":221933,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/221906\/revisions\/221933"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=221906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=221906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=221906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}