{"id":242596,"date":"2025-11-26T09:21:44","date_gmt":"2025-11-26T09:21:44","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=242596"},"modified":"2025-11-26T09:21:44","modified_gmt":"2025-11-26T09:21:44","slug":"bancile-castiga-bine-si-cand-economia-si-creditarea-incetinesc-profitul-sistemului-bancar-a-ajuns-la-un-nou-maxim-de-peste-116-mld-lei-in-9-luni-2025-castigul-bancilor-pe-tot-anul-2025-poate-urc","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=242596","title":{"rendered":"B\u0103ncile c\u00e2\u015ftig\u0103 bine \u015fi c\u00e2nd economia \u015fi creditarea \u00eencetinesc. Profitul sistemului bancar a ajuns la un nou maxim, de peste 11,6 mld. lei, \u00een 9 luni\/2025. C\u00e2\u015ftigul b\u0103ncilor pe tot anul 2025 poate urca spre 15 mld. lei"},"content":{"rendered":"

\n\u2666<\/span> Profiturile b\u0103ncilor mari au fost \u00een cre\u015ftere \u2666<\/span> Banca Transilvania, liderul pie\u0163ei bancare, a raportat un profit de 2,9 mld. lei pentru 9 luni\/2025, c\u00e2\u015ftigul BCR a fost de 2,5 mld. lei, iar BRD a avut un profit de 1,1 mld. lei.<\/strong><\/em><\/p>\n

\n\"\"Dob\u00e2nzile \u00eenc\u0103 mari \u015fi continuarea credit\u0103rii au adus \u00een primele nou\u0103 luni din 2025 un profit net de peste 11,6 mld. lei pentru sectorul bancar rom\u00e2nesc, format din 30 de b\u0103nci, conform datelor de la BNR.<\/p>\n

\nDup\u0103 ce \u00een primul trimestru b\u0103ncile au raportat un c\u00e2\u015ftig de 3,7 mld. lei, p\u00e2n\u0103 la jum\u0103tatea anului au reu\u015fit s\u0103-\u015fi dubleze profitul, la 7,4 mld. lei, pentru ca \u00een septembrie c\u00e2\u015ftigul s\u0103 treac\u0103 de 11,6 mld. lei.<\/p>\n

\n\u00cen situa\u0163ia \u00een care \u015fi \u00een ultimul trimestru din acest an institu\u0163iile de credit vor reu\u015fi s\u0103 ob\u0163in\u0103 c\u00e2\u015ftiguri com\u00adparabile, profitul sistemului bancar ar putea s\u0103 urce la un nou record la final de 2025, de circa 15 mld. lei (3 mld. euro), dup\u0103 rezultatul record de 14,2 mld. lei din 2024.<\/p>\n

\nB\u0103ncile o duc bine \u015fi \u00een vremuri grele, acomod\u00e2ndu-se la noua realitate caracte\u00adrizat\u0103 de \u00eencetinirea economiei, infla\u0163ie persistent\u0103, dob\u00e2nzi ridicate \u015fi deficite mari, c\u00e2\u015ftigul sistemului bancar fiind de neclintit, chiar u\u015for peste profitul din 9 luni\/2024, de 11,5 mld. lei.<\/p>\n

\nProfiturile mari raportate de b\u0103nci vin \u00eentr-un context caracterizat de o cre\u015ftere modest\u0103 a economiei \u015fi \u00eencetinire a credi\u00adt\u0103rii, \u00een special \u00een ultimele luni. Cre\u015fterea PIB a fost de 0,8% fa\u0163\u0103 de 9 luni\/2024. Iar creditarea privat\u0103 a \u00eenregistrat \u00een 9 luni\/2025 o cre\u015ftere medie de circa 8,8%, duc\u00e2nd activele la nivelul sistemului bancar la peste 900 mld. lei.<\/p>\n

\n\u00cen planul profitabilit\u0103\u0163ii din datele b\u0103ncii centrale se observ\u0103 c\u0103 rentabilitatea activelor (ROA) \u015fi rentabilitatea capitalului (ROE) erau la final de 9 luni\/2025 de 1,73%, respectiv 18,4%, \u00een u\u015foar\u0103 sc\u0103dere fa\u0163\u0103 de nivelurile din 9 luni\/2024.<\/p>\n

\nProfiturile raportate de b\u0103ncile mari au fost preponderent \u00een cre\u015ftere \u00een 9 luni\/2025 ca urmare a continu\u0103rii credit\u0103rii, dar \u015fi a ascensiunii veniturilor \u00een contextul dob\u00e2nzilor \u00eenc\u0103 mari.<\/p>\n

\n\u00cen cazul b\u0103ncilor mari, Banca Transilvania, liderul pie\u0163ei bancare, a raportat un profit de 2,9 mld. lei pentru 9 luni\/2025, c\u00e2\u015ftigul BCR a fost de 2,5 mld. lei, \u00een timp ce BRD a avut un profit de 1,1 mld. lei.<\/p>\n

\nFr\u00e2narea economiei nu se vede deocamdat\u0103 \u00een bilan\u0163urile b\u0103ncilor, rata creditelor neperformante fiind \u00eenc\u0103 mic\u0103, de circa 2,9% din credite.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u2666 Profiturile b\u0103ncilor mari au fost \u00een cre\u015ftere \u2666 Banca Transilvania, liderul pie\u0163ei bancare, a raportat un profit de 2,9 mld. lei pentru 9 luni\/2025, c\u00e2\u015ftigul BCR a fost de 2,5 mld. lei, iar BRD a avut un profit de 1,1 mld. lei. Dob\u00e2nzile \u00eenc\u0103 mari \u015fi continuarea credit\u0103rii au adus \u00een primele nou\u0103 luni din 2025 un […]<\/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":[46409,33853,187,37393,4638,8037],"class_list":["post-242596","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bancile","tag-creditarea","tag-dobanzi","tag-piata-bancara","tag-profit","tag-sistem-bancar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/242596","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=242596"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/242596\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=242596"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=242596"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=242596"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}