\nDeutsche Bank s-a confruntat cu Banca Central\u0103 European\u0103 (BCE) \u00een 2024, din cauza temerilor c\u0103 ar putea subestima volumul \u00eemprumuturilor neperformante, au declarat surse pentru Financial Times.<\/p>\n
\nBCE \u015fi-a exprimat \u00een repetate r\u00e2nduri \u00eengrijorarea cu privire la modelele de risc \u015fi gestionarea creditelor de c\u0103tre Deutsche Bank, potrivit acelora\u015fi surse.<\/p>\n
\n\u00cen cele din urm\u0103, banca german\u0103 a emis dou\u0103 avertismente c\u0103tre investitori, anun\u0163\u00e2nd c\u0103 provizioanele pentru creditele neperformante vor dep\u0103\u015fi estimarea ini\u0163ial\u0103 de 1,5 miliarde de euro pentru 2024. Astfel, a raportat provizioane de 1,8 miliarde de euro, \u00een cre\u015ftere cu 22% fa\u0163\u0103 de 2023, \u015fi a indicat c\u0103 \u00een 2025 se a\u015fteapt\u0103 doar la o \u201enormalizare par\u0163ial\u0103\u201d a pierderilor din credite. P\u00e2n\u0103 la sf\u00e2r\u015fitul lui 2024, Deutsche Bank a alocat 5,7 miliarde de euro pentru posibile pierderi, dintr-un portofoliu total de 485 de miliarde de euro.<\/p>\n
\nTotodat\u0103, banca a anun\u0163at plecarea directorului s\u0103u de risc, Olivier Vigneron, dup\u0103 un singur mandat de trei ani. Acesta \u00ee\u015fi va \u00eencheia oficial activitatea \u00een luna mai, la expirarea contractului.<\/p>\n
\n\u00cengrijor\u0103rile BCE nu sunt noi \u015fi dep\u0103\u015fesc acest subiect punctual. Institu\u0163ia supravegheaz\u0103 atent activit\u0103\u0163ile de finan\u0163are cu efect de levier ale Deutsche Bank \u00eenc\u0103 din 2020, c\u00e2nd banca a refuzat s\u0103-\u015fi reduc\u0103 expunerea, \u00een urma unei analize la nivelul industriei.<\/p>\n
\nO alt\u0103 surs\u0103 a declarat c\u0103 BCE a contestat estim\u0103rile interne ale Deutsche privind pierderile din \u00eemprumuturi \u00een 2024, consider\u00e2nd c\u0103 suma real\u0103 ar trebui s\u0103 fie mai aproape de 2,5 miliarde de euro, fa\u0163\u0103 de cele 1,5 miliarde de euro prev\u0103zute de banc\u0103.<\/p>\n
\nDeutsche Bank a respins aceast\u0103 solicitare, argument\u00e2nd c\u0103 auditorii s\u0103i nu ar accepta un provizion at\u00e2t de mare, deoarece autorit\u0103\u0163ile fiscale ar putea contesta reducerea profitului \u015fi, implicit, a obliga\u0163iilor fiscale ale b\u0103ncii.<\/p>\n
\n\u00cen plus, BCE a luat \u00een considerare cre\u015fterea semnificativ\u0103 a cerin\u0163elor de capital pentru Deutsche Bank \u2013 a\u015fa-numita cerin\u0163\u0103 a Pilonului 2 \u2013 \u00eens\u0103, \u00een cele din urm\u0103, a impus doar o majorare de 25 de puncte de baz\u0103. Potrivit unei surse, banca german\u0103 a reu\u015fit s\u0103 limiteze aceast\u0103 cre\u015ftere prin negocieri.<\/p>\n
\nO a treia surs\u0103 a indicat c\u0103 diferen\u0163ele de opinie dintre Deutsche Bank \u015fi BCE s-au redus treptat.<\/p>\n
\n\u00centr-o declara\u0163ie oferit\u0103 pentru Financial Times, Deutsche Bank a sus\u0163inut c\u0103 men\u0163ine un \u201edialog continuu \u015fi constructiv\u201d cu autorit\u0103\u0163ile de reglementare \u015fi c\u0103 gestioneaz\u0103 riscurile \u015fi provizioanele \u00een conformitate cu feedback-ul acestora. De asemenea, banca a subliniat c\u0103 aceste discu\u0163ii sunt \u201eo practic\u0103 obi\u015fnuit\u0103 \u00een industrie\u201d \u015fi c\u0103 nivelurile sale de provizionare \u015fi de gestionare a riscurilor au fost aprobate de auditorii s\u0103i.<\/p>\n
\nBCE a refuzat s\u0103 comenteze situa\u0163ia.<\/p>\n","protected":false},"excerpt":{"rendered":"
Deutsche Bank s-a confruntat cu Banca Central\u0103 European\u0103 (BCE) \u00een 2024, din cauza temerilor c\u0103 ar putea subestima volumul \u00eemprumuturilor neperformante, au declarat surse pentru Financial Times. BCE \u015fi-a exprimat \u00een repetate r\u00e2nduri \u00eengrijorarea cu privire la modelele de risc \u015fi gestionarea creditelor de c\u0103tre Deutsche Bank, potrivit acelora\u015fi surse. \u00cen cele din urm\u0103, banca […]<\/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":[10313,20170,8830,485,15127,10000,183,15758,9184],"class_list":["post-234645","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-autoritati","tag-banca-centrala","tag-bce","tag-credite","tag-credite-neperformante","tag-deutsche-bank","tag-imprumut","tag-provizioane","tag-risc"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/234645","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=234645"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/234645\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=234645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=234645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=234645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}