\nSistemul bancar rom\u00e2nesc traverseaz\u0103 o perioad\u0103 favorabil\u0103 din perspectiva principalilor indicatori financiari \u015fi pruden\u0163iali, av\u00e2nd \u00een continuare indicatori de solvabilitate, profitabilitate \u015fi structur\u0103 a bilan\u0163ului mai buni dec\u00e2t media european\u0103 \u015fi care sunt plasa\u0163i, totodat\u0103, \u00een cele mai bune intervale de pruden\u0163\u0103 stabilite de Autoritatea Bancar\u0103 European\u0103 (ABE).<\/p>\n
\nProfitabilitatea sistemului bancar rom\u00e2nesc a fost \u00een cre\u015ftere \u00een ultimii ani, fiind dubl\u0103 fa\u0163\u0103 de media UE, dar sub valorile \u00eenregistrate \u00een economia rom\u00e2neasc\u0103 real\u0103, potrivit BNR.<\/p>\n
\nPe de alt\u0103 parte, Rom\u00e2nia este la coada Europei din perspectiva intermedierii financiare, av\u00e2nd cele mai mici ponderi \u00een PIB ale creditelor \u015fi activelor bancare.<\/p>\n
\n\u015ei raportul \u00eentre credite \u015fi depozite \u00een Rom\u00e2nia este destul de mic, de doar 60%, \u00een timp ce media UE a dep\u0103\u015fit 100% (107%), recomandarea european\u0103 fiind ca acest raport s\u0103 fie mai mic de 100%, conform BNR. Nivelul sc\u0103zut al acestui raport indic\u0103 faptul c\u0103 exist\u0103 poten\u0163ial de creditare pe pia\u0163a rom\u00e2neasc\u0103.<\/p>\n
\n\u00cen privin\u0163a raportului cost\/venit pentru sistemul bancar rom\u00e2nesc, acesta era \u00een T1\/2024 de 49,9%, fiind sub media UE, de 56%, recomandarea european\u0103 fiind ca acest raport s\u0103 fie mai mic de 50%.<\/p>\n
\nDe asemenea, calitatea activelor s-a \u00eembun\u0103t\u0103\u0163it \u00een ultimii ani \u00een cazul b\u0103ncilor din Rom\u00e2nia, \u00eens\u0103 rata creditelor neperformante \u015fi rata creditelor cu m\u0103suri de restructurare, de\u015fi au sc\u0103zut puternic \u015fi s-au \u00eenjum\u0103t\u0103\u0163it fa\u0163\u0103 de anul 2018, sunt u\u015for peste nivelul mediu din UE, conform BNR.<\/p>\n
\n\u201cSectorul bancar rom\u00e2nesc a continuat tendin\u0163a de consolidare a s\u0103n\u0103t\u0103\u0163ii financiare\u201d, sus\u0163ine banca central\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"
Sistemul bancar rom\u00e2nesc traverseaz\u0103 o perioad\u0103 favorabil\u0103 din perspectiva principalilor indicatori financiari \u015fi pruden\u0163iali, av\u00e2nd \u00een continuare indicatori de solvabilitate, profitabilitate \u015fi structur\u0103 a bilan\u0163ului mai buni dec\u00e2t media european\u0103 \u015fi care sunt plasa\u0163i, totodat\u0103, \u00een cele mai bune intervale de pruden\u0163\u0103 stabilite de Autoritatea Bancar\u0103 European\u0103 (ABE).<\/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":[485,10699,12985,58882,8037,58881,13324],"class_list":["post-231006","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite","tag-indicatori","tag-lichiditate","tag-raportul-credite-depozite","tag-sistem-bancar","tag-sistemul-bancar-romanesc","tag-solvabilitate"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/231006","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=231006"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/231006\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=231006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=231006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=231006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}