{"id":229366,"date":"2024-08-18T18:46:34","date_gmt":"2024-08-18T18:46:34","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=229366"},"modified":"2026-04-10T16:33:04","modified_gmt":"2026-04-10T16:33:04","slug":"o-piata-bancara-impartita-in-doua-bancile-mici-ofera-cele-mai-mari-dobanzi-la-depozitele-la-termen-in-lei-de-6-7-in-timp-ce-bancile-mari-le-au-redus-spre-5","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=229366","title":{"rendered":"O pia\u0163\u0103 bancar\u0103 \u00eemp\u0103r\u0163it\u0103 \u00een dou\u0103: b\u0103ncile mici ofer\u0103 cele mai mari dob\u00e2nzi la depozitele la termen \u00een lei, de 6-7%, \u00een timp ce b\u0103ncile mari le-au redus spre 5%"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222\">\u2666<\/span> Comparativ, \u00een aprilie 2024 b\u0103ncile se duceau cu dob\u00e2nzile la depozitele la termen de 12 luni la 8%, plaja dob\u00e2nzilor fiind atunci \u00eentre 6% \u015fi 8% pentru aceast\u0103 scaden\u0163\u0103 <span style=\"color:#b22222\">\u2666<\/span> \u00cen acela\u015fi timp, \u00een ianuarie 2023 nivelul dob\u00e2nzilor la depozite trecea de 8%, unele b\u0103nci oferind la momentul respectiv chiar dob\u00e2nzi apropiate de 10%.<\/strong><\/em><\/p>\n<p>\nB\u0103ncile mari \u015fi-au diminuat dob\u00e2nzile oferite la depozitele la termen \u00een lei, plaja sc\u0103z\u00e2nd \u00een jurul a 5%, \u00een timp ce b\u0103ncile mici se duc cu dob\u00e2nzile la depozite spre 6-7%, potrivit datelor analizate de ZF pe baza simul\u0103rilor efectuate pe comparatorul online conso.ro.<\/p>\n<p>\n\u00cen condi\u0163iile \u00een care b\u0103ncile au \u00een continuare depozite consistente, mult mai mari dec\u00e2t creditele, sc\u0103derea dob\u00e2nzilor la depozite a pornit \u00eenc\u0103 de dinaintea sc\u0103derii operate de BNR la dob\u00e2nda de politic\u0103 monetar\u0103, \u00een ultimele dou\u0103 \u015fedin\u0163e ale boardului b\u0103ncii centrale, din iulie \u015fi august. ROBOR la 3 luni a ajuns acum deja la 5,58%, dup\u0103 ce \u00een \u015fedin\u0163a de politic\u0103 mo\u00adnetar\u0103 din august BNR a dus dob\u00e2nda-cheie la 6,5%, iar anterior a operat o sc\u0103dere de la 7% la 6,75%. \u00cen acela\u015fi timp, infla\u0163ia s-a domolit pe tot parcursul anului, merg\u00e2nd spre 5%, ceea ce a impulsionat deciziile recente ale BNR de a reduce dob\u00e2nda.<\/p>\n<p>\nAnaliz\u00e2nd situa\u0163ia primelor cinci cele mai mari b\u0103nci de pe pia\u0163a local\u0103 dup\u0103 ac\u00adti\u00adve, vedem c\u0103 dob\u00e2nzile oferite dep\u0103\u015fesc u\u015for 5,5% pentru scaden\u0163a de 12 luni, \u00een timp ce pe scaden\u0163a de 3 luni scad chiar sub 4,5%.<\/p>\n<p>\nBanca Transilvania ofer\u0103 o dob\u00e2nd\u0103 de 5,2% pe scaden\u0163a de 12 luni, la fel ca BCR, \u00een timp ce CEC Bank, BRD \u015fi ING ofer\u0103 dob\u00e2nzi de 5,7%, 5% \u015fi respectiv 5,2%. Pentru scaden\u0163a de 3 luni, aceste b\u0103nci au dob\u00e2nzi de 4,7% \u00een cazul B\u0103ncii Transilvania, BCR ofer\u0103 4,6%, CEC Bank r\u0103m\u00e2ne la peste 5%, respectiv 5,2%, BRD ofer\u0103 4,6%, iar ING ofer\u0103 4,3%.<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22464231\/1\/1-tabele-dobanzi.jpg?height=357&amp;width=640\" style=\"width: 640px;height: 357px;margin-top: 10px;margin-bottom: 10px\" \/><\/p>\n<p>\n\u00cen ceea ce prive\u015fte pia\u0163a bancar\u0103 extins\u0103, b\u0103ncile mici se duc cu dob\u00e2nzile la depozite spre 6-7%, TBI Bank conduc\u00e2nd practic topul cu o dob\u00e2nd\u0103 de 7% pe scaden\u0163a de 12 luni. ProCredit Bank \u015fi Intesa Sanpaolo Bank ofer\u0103 6% pe scaden\u0163a de 12 luni, \u00een timp ce OTP Bank \u015fi Libra Bank ofer\u0103 5,8%. Chiar \u015fi pe scaden\u0163ele de 3 luni, aceste b\u0103nci se duc cu dob\u00e2nzile mai sus dec\u00e2t primele 5 cele mai mari b\u0103nci din pia\u0163\u0103. Asfel, vedem o dob\u00e2nd\u0103 de 6,05% la TBI Bank pe scaden\u0163a de 3 luni, ProCredit Bank ofer\u0103 5,3% pe 3 luni, Intesa Sanpaolo Bank ofer\u0103 5,5% pe 3 luni, OTP Bank ofer\u0103 5,55% pe scaden\u0163a de 3 luni, iar Libra Bank ofer\u0103 5,25% la maturitatea de 3 luni.<\/p>\n<p>\nComparativ, \u00een aprilie 2024 b\u0103ncile se duceau cu dob\u00e2nzile la depozitele la termen pe 12 luni la 8%, plaja fiiind la momentul respectiv 6%-8% pentru scaden\u0163a de 12 luni. \u00cen acela\u015fi timp, \u00een ianuarie 2023 nivelul dob\u00e2nzilor la depozite era de peste 8%, unele b\u0103nci oferind chiar un nivel apropiat de 10%.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<br \/>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u0103ncile mari \u015fi-au diminuat dob\u00e2nzile oferite la depozitele la termen \u00een lei, plaja sc\u0103z\u00e2nd \u00een jurul a 5%, \u00een timp ce b\u0103ncile mici se duc cu dob\u00e2nzile la depozite spre 6-7%, potrivit datelor analizate de ZF pe baza simul\u0103rilor efectuate pe comparatorul online conso.ro.<\/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":[237,7267,5078,185,7610,14224,439,9805,9507,187,29524,9105,37393],"class_list":["post-229366","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banca-transilvania","tag-banci","tag-bcr","tag-bnr","tag-brd","tag-cec-bank","tag-depozite","tag-dobanda-cheie","tag-dobanda-de-politica-monetara","tag-dobanzi","tag-intesa-sanpaolo-bank","tag-otp-bank","tag-piata-bancara"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229366","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=229366"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229366\/revisions"}],"predecessor-version":[{"id":229386,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/229366\/revisions\/229386"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=229366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=229366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=229366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}