\nFinan\u0163area companiilor din pia\u0163a local\u0103 se men\u0163ine pe un trend activ \u015fi \u00een acest an, cererea de creditare venind \u00een special din partea companiilor mijlocii \u015fi mari, care \u00ee\u015fi p\u0103streaz\u0103 un apetit constant pentru dezvoltare, sus\u0163ine Bogdan Cernescu, Managing Director \u2013 Head of Corporate Banking la BCR.<\/p>\n
\n\u201eAnaliz\u00e2nd totalul limitelor aprobate, \u00een 2025 direc\u0163ia dominant\u0103 a finan\u0163\u0103rii noastre a fost c\u0103tre companiile medii \u015fi mari. Istoric vorbind, \u00een ultimii cinci ani, circa 50% din aceste limite au mers c\u0103tre investi\u0163ii\u201d, a spus Bogdan Cernescu \u00een cadrul conferin\u0163ei ZF Bankers Summit 2025.<\/p>\n
\nDe altfel, \u015fi datele interne ale BCR confirm\u0103 acest apetit \u00een cre\u015ftere: dac\u0103 \u00een 2017 banca avea un sold de credit de circa 11 miliarde de euro, \u00een prezent acest indicator a urcat la 27 de miliarde. \u201eEste dovada clar\u0103 c\u0103 b\u0103ncile finan\u0163eaz\u0103. \u00centr-adev\u0103r, finan\u0163area difer\u0103 \u00een func\u0163ie de segment \u015fi sector\u201d, explic\u0103 oficialul BCR.<\/p>\n
\nPrintre sectoarele care continu\u0103 s\u0103 atrag\u0103 capital se num\u0103r\u0103 energia, agricultura \u015fi industria auto. \u00cen acest din urm\u0103 domeniu, banca este implicat\u0103 \u00een finan\u0163area unor juc\u0103tori importan\u0163i.<\/p>\n
\n\u201eS\u0103 nu uit\u0103m c\u0103, la Craiova, Ford Otosan produce \u00een prezent dou\u0103 modele \u015fi a lansat \u00een Rom\u00e2nia un model comercial transferat din Turcia. Suntem activi \u00een spatele acestor proiecte \u2013 finan\u0163\u0103m \u015fi sus\u0163inem industria auto, at\u00e2t \u00een zona furnizorilor de rang \u00eent\u00e2i (first tier), c\u00e2t \u015fi \u00een cea a furnizorilor de rang doi (second tier). Un aspect interesant \u00een aceast\u0103 zon\u0103 este modelul dual de dezvoltare: acelea\u015fi capacit\u0103\u0163i pot sus\u0163ine inclusiv produc\u0163ia de componente pentru industria de ap\u0103rare. Exist\u0103 cerere, iar ecosistemul func\u0163ioneaz\u0103.\u201d,a punctat Bogdan Cernescu.<\/p>\n
\n\u00cen ceea ce prive\u015fte domeniul agricol, oficialul BCR a precizat c\u0103 agribusiness-ul este un ecosistem complex, \u00een care institu\u0163ia nu se concentreaz\u0103 pe finan\u0163area direct\u0103 a fermierului mic. \u201eNu avem instrumentele necesare pentru o abordare granular\u0103, precum alte b\u0103nci specializate (BT -n. red.). \u00cen schimb, finan\u0163\u0103m traderii de inputuri \u2013 bilan\u0163urile lor \u2013, iar ace\u015ftia disemineaz\u0103 mai departe finan\u0163area la nivelul fermierilor.\u201d<\/p>\n
\nModelul func\u0163ioneaz\u0103, mai ales \u00een condi\u0163iile \u00een care traderii au ridicat sindicaliz\u0103ri importante ca volum.<\/p>\n
\n\u201ePe m\u0103sur\u0103 ce fermele se consolideaz\u0103 \u2013 vorbim de exploata\u0163ii de 1.000\u20132.000 de hectare \u2013 \u015fi cap\u0103t\u0103 un management financiar solid, devin parteneri bancabili, cu care putem avea un dialog structurat\u201d, a precizat Cernescu.<\/p>\n
\nTotu\u015fi, r\u0103m\u00e2n vulnerabilit\u0103\u0163i legate de climat, lipsa iriga\u0163iilor sau dificultatea de a gestiona riscul \u00een agricultur\u0103. \u201eDar vedem o agricultur\u0103 care cre\u015fte \u015fi o consolidare a propriet\u0103\u0163ii, ceea ce poate duce la exploata\u0163ii mai mari, apetit investi\u0163ional \u015fi o \u00een\u0163elegere mai bun\u0103 a finan\u0163\u0103rii bancare\u201d, a concluzionat Bogdan Cernescu.<\/p>\n
\nBCR, a doua cea mai mare banc\u0103 de pe pia\u0163a rom\u00e2neasc\u0103 dup\u0103 active, a ob\u0163inut \u00een anul 2024 la nivel individual un profit net de 2,8 mld. lei. La nivelul \u00eentregului grup BCR, profitul net raportat pentru anul 2024 a fost de 2,76 mld. lei (556 mil. euro), \u00een cre\u015ftere cu 19,2% an\/an.<\/p>\n
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Finan\u0163area companiilor din pia\u0163a local\u0103 se men\u0163ine pe un trend activ \u015fi \u00een acest an, cererea de creditare venind \u00een special din partea companiilor mijlocii \u015fi mari, care \u00ee\u015fi p\u0103streaz\u0103 un apetit constant pentru dezvoltare, sus\u0163ine Bogdan Cernescu, Managing Director \u2013 Head of Corporate Banking la BCR. \u201eAnaliz\u00e2nd totalul limitelor aprobate, \u00een 2025 direc\u0163ia dominant\u0103 […]<\/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":[3,236,7267,5078,12547,201,246,149,161],"class_list":["post-237335","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-agricultura","tag-banca","tag-banci","tag-bcr","tag-bogdan-cernescu","tag-companii","tag-crestere","tag-investitii","tag-miliarde"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237335","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=237335"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237335\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=237335"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=237335"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=237335"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}