{"id":237171,"date":"2025-06-05T10:16:09","date_gmt":"2025-06-05T10:16:09","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=237171"},"modified":"2025-06-05T10:16:09","modified_gmt":"2025-06-05T10:16:09","slug":"raport-kearney-bancile-de-retail-din-romania-se-afla-la-coada-clasamentului-european-la-profitabilitatea-per-client-cu-doar-77-de-euro-fata-de-un-nivel-record-de-238-euro-in-2024-in-europa-dar-ven","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=237171","title":{"rendered":"Raport Kearney: B\u0103ncile de retail din Rom\u00e2nia se afl\u0103 la coada clasamentului european la profitabilitatea per client, cu doar 77 de euro, fa\u0163\u0103 de un nivel record de 238 euro \u00een 2024 \u00een Europa. Dar venitul per client a avut un avans robust, de 10%"},"content":{"rendered":"<p style=\"text-align: justify;\" text-align:=\"\">\nB\u0103ncile din Rom\u00e2nia se afl\u0103 la coada clasamentului european \u00een privin\u0163a profitabilit\u0103\u0163ii per client, cu doar 77 de euro, \u00een condi\u0163iile unei medii de 168 euro \u00een Europa de Est \u015fi unui record de 238 euro la nivelul \u00eentregii Europe, arat\u0103 studiul <a article=\"\" financial-services=\"\" https:=\"\" industry=\"\" www.kearney.com=\"\">European Retail Banking Radar<\/a> realizat de compania global\u0103 de consultan\u0163\u0103 Kearney.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\n\u00cen Europa, profitul per client a crescut de la 229 euro \u00een 2023, marc\u00e2nd un avans de 50% fa\u0163\u0103 de 2019. Pe primul loc se afl\u0103 Elve\u0163ia, cu un c\u00e2\u015ftig de 807 euro\/client.&nbsp;<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\n\u00cen acela\u015fi timp, b\u0103ncile de retail europene au \u00eenregistrat anul trecut o \u00eencetinire semnificativ\u0103 a cre\u015fterii veniturilor, la o medie de doar 2,9%, fa\u0163\u0103 de 18% \u00een 2023.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\n&#8220;\u00cen timp ce cre\u015fterea veniturilor a \u00eencetinit \u00een Europa de Vest, Rom\u00e2nia a \u00eenregistrat totu\u015fi o cre\u015ftere robust\u0103 de peste 10% a veniturilor pe client \u00een 2024. Performan\u0163a este determinat\u0103 \u00een principal de men\u0163inerea ratelor de dob\u00e2nda la un nivel ridicat. Clien\u0163ii din Rom\u00e2nia s-au obi\u015fnuit cu ofertele \u2018cost-zero\u2019 \u2013 f\u0103r\u0103 comisioane, f\u0103r\u0103 taxe \u2013 \u015fi au a\u015ftept\u0103ri din ce \u00een ce mai mari de transparen\u0163\u0103 total\u0103; comparativ cu pie\u0163ele vestice, exist\u0103 o toleran\u0163\u0103 mult mai sc\u0103zut\u0103 pentru comisioanele bancare. Retail banking-ul din Rom\u00e2nia r\u0103m\u00e2ne, \u00eens\u0103, la coada clasamentului \u00een termeni de venit pe angajat \u015fi profit pe client &#8211; chiar \u015fi \u00een compara\u0163ie doar cu regiunea CEE. Exist\u0103 \u00een continuare loc pentru \u00eembun\u0103t\u0103\u0163irea eficien\u0163ei opera\u0163ionale \u015fi pentru investi\u0163ii mai consistente \u00een digitalizare \u015fi tehnologie, pentru a \u00eembun\u0103t\u0103\u0163i experien\u0163a clien\u0163ilor.&#8221;,a&nbsp; comentat Florian Teleab\u0103, Principal Kearney Rom\u00e2nia.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nRom\u00e2nia se afl\u0103 pe ultimul loc \u015fi \u00een privin\u0163a venitului per angajat, cu o medie de 101.000 euro \u00een 2024, fa\u0163\u0103 de nivelul de 148.000 euro \u00een Europa de Est \u015fi de 406.000 euro \u00een Europa de Vest.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\n\u00cen ceea ce prive\u015fte venitul per client, Elve\u0163ia r\u0103m\u00e2ne pe primul loc pe pia\u0163a de retail banking, cu o medie de 2.003 euro, dar b\u0103ncile scandinave se apropie cu pa\u015fi repezi de lider, cu o medie de 1.000 euro. \u00cen acela\u015fi timp, Spania \u015fi Italia \u00eenregistreaz\u0103 performan\u0163e puternice, aproape de 900 euro venit per client.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nRaportul &nbsp;Kearney mai arat\u0103 c\u0103, la nivel european, veniturile din comisioane reprezint\u0103 acum peste dou\u0103 treimi (72%) din cre\u015fterea total\u0103, cu o cre\u015ftere anual\u0103 de 5%. Aceast\u0103 evolu\u0163ie a fost determinat\u0103 de volumele mai mari de tranzac\u0163ii, major\u0103rile de comisioane pe conturi \u015fi o performan\u0163\u0103 solid\u0103 \u00een administrarea activelor \u015fi asigur\u0103ri.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nPractic, pe m\u0103sur\u0103 ce fluxurile tradi\u0163ionale de venituri bazate pe dob\u00e2nd\u0103 se confrunt\u0103 cu presiuni continue, b\u0103ncile g\u0103sesc noi modalit\u0103\u0163i de a spori profitabilitatea.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nUn raport cost-venit sub 40% era aproape de neconceput anterior \u00een retail banking, dar \u00een 2024 Portugalia a atins o medie de 32% la nivel na\u0163ional, iar Polonia a \u00eenregistrat o medie de 35%.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nConsultan\u0163ii subliniaz\u0103 c\u0103, av\u00e2nd veniturile din dob\u00e2nzi sub presiune, b\u0103ncile trebuie s\u0103 se concentreze pe controlul costurilor, eficien\u0163a opera\u0163ional\u0103 \u015fi adoptarea AI pentru a-\u015fi men\u0163ine marjele. Astfel, trecerea c\u0103tre fluxuri de venituri non-dob\u00e2nd\u0103 \u015fi optimizarea opera\u0163iunilor vor fi cruciale pentru sustenabilitatea pe termen lung.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nPe de alt\u0103 parte, de\u015fi ritmul de cre\u015ftere a veniturilor s-a temperat, profitabilitatea a continuat s\u0103 creasc\u0103 \u00een sectorul bancar de retail din european. Profitul pe client a atins un record de 238 euro \u00een 2024, \u00een cre\u015ftere de la 229 euro \u00een 2023 \u015fi marc\u00e2nd o cre\u015ftere de 50% fa\u0163\u0103 de anul 2019. \u201dAceast\u0103 performan\u0163\u0103 solid\u0103 reflect\u0103 capacitatea b\u0103ncilor de a men\u0163ine marjele printr-un control riguros al costurilor, \u00eembun\u0103t\u0103\u0163irea eficien\u0163ei opera\u0163ionale \u015fi pivotarea strategic\u0103 spre produse cu marje mai mari, precum administrarea activelor \u015fi asigur\u0103rile\u201d, se arat\u0103 \u00een raport.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nGestionarea expunerii la risc va fi o prioritate major\u0103 anul acesta, av\u00e2nd \u00een vedere cre\u015fterea economic\u0103 slab\u0103, tarifele record impuse de SUA \u015fi \u00eencrederea sc\u0103zut\u0103 a consumatorilor. \u00cen Polonia, Spania \u015fi Fran\u0163a, b\u0103ncile au alocat peste 10% din venituri pentru a anticipa noile riscuri de neplat\u0103. \u00cen Spania, b\u0103ncile au pus deoparte peste 100 EUR per client pentru a atenua riscurile generate de aceste dificult\u0103\u0163i macroeconomice.<\/p>\n<p style=\"text-align: justify;\" text-align:=\"\">\nStudiul Retail Banking Radar analizeaz\u0103 aproape 90 de b\u0103nci retail din 21 de pie\u0163e europene \u2013 49 de b\u0103nci din 13 pie\u0163e din Europa de Vest \u015fi 38 de b\u0103nci din 8 pie\u0163e din Europa de Est. Ajuns la a 17-a edi\u0163ie, studiul utilizeaz\u0103 datele oficiale raportate de b\u0103nci din 2007 p\u00e2n\u0103 \u00een 2024, examin\u00e2nd periodic peste 12 dimensiuni-cheie legate de venituri, eficien\u0163\u0103 opera\u0163ional\u0103 \u015fi managementul riscului.<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u0103ncile din Rom\u00e2nia se afl\u0103 la coada clasamentului european \u00een privin\u0163a profitabilit\u0103\u0163ii per client, cu doar 77 de euro, \u00een condi\u0163iile unei medii de 168 euro \u00een Europa de Est \u015fi unui record de 238 euro la nivelul \u00eentregii Europe, arat\u0103 studiul European Retail Banking Radar realizat de compania global\u0103 de consultan\u0163\u0103 Kearney. \u00cen Europa, [&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":[7267,4126,399,98],"class_list":["post-237171","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-clienti","tag-retail","tag-romania"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237171","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=237171"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237171\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=237171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=237171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=237171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}