{"id":5528,"date":"2006-10-17T11:43:00","date_gmt":"2006-10-17T11:43:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=5528"},"modified":"2026-04-02T09:09:13","modified_gmt":"2026-04-02T09:09:13","slug":"standarde-vieneze","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=5528","title":{"rendered":"Standarde vieneze"},"content":{"rendered":"<p><P class=text style=\"MARGIN: 0cm 0cm 0pt\" align=justify>Primele proiecte de integrare vizeaza alinierea Bancii Comerciale Romane la practicile Erste si renuntarea la \u0084obiceiurile locului\u0093 pe sase segmente principale: trezorerie, managementul riscului, contabilitate, raportare, control si implementare a regulilor Basel II de evaluare a riscului de credit. Ce vor sa faca austriecii, concret, la BCR:<SPAN class=text><\/P>  <UL>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA SPOREASCA<\/STRONG> cheltuielile cu actiuni de marketing, promovate mai ales printr-o agentie de publicitate preferata, si pentru inchirierea de noi spatii pentru unitati;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA MAJOREZE<\/STRONG> portofoliul de credite intr-un ritm ceva mai mare decat viteza de crestere a pietei in ansamblu &#8211; ceea ce ar echivala cu o crestere usoara a cotei de piata;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA DESCHIDA 200 DE NOI UNITATI<\/STRONG> pana in 2009 prin inchiriere de spatii, cu precadere in Bucuresti si in capitalele de judet &#8211; adica Erste nu vizeaza in mod deosebit zonele din mediul rural;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA RESTRANGA<\/STRONG> substantial spatiile detinute in locatiile actuale, actiune compensata de deschiderea unor noi unitati, de mici dimensiuni;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA CENTRALIZEZE<\/STRONG> functiile de back-office (adica administrare, decontari, contabilitate, control, audit intern etc.) si sa restructureze centrele regionale ale bancii;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA MAREASCA<\/STRONG> numarul personalului care intra in contact cu clientela;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA INVESTEASCA<\/STRONG> in recalificarea unui numar mare de angajati;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA SCHIMBE<\/STRONG> structura activelor, cu accent pe segmente de retail aducatoare de randamente mai mari &#8211; credite de consum, credite ipotecare; astfel ar urma sa fie compensat efectul ingustarii marjelor de dobanda asupra veniturilor nete;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA INCURAJEZE<\/STRONG> cresterea volumului de plati procesate pentru majorarea incasarilor obtinute din comisioane;<\/DIV><\/LI>  <LI>  <DIV class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><STRONG>SA MAREASCA<\/STRONG> rata de utilizare a cardurilor prin investitii in dublarea retelelor de bancomate si in majorarea de sase ori a numarului de POS-uri pana in 2009, prin extinderea cooperarii cu comerciantii.<\/DIV><\/LI><\/UL><\/SPAN><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Primele proiecte de integrare vizeaza alinierea Bancii Comerciale Romane la practicile Erste si renuntarea la \u0084obiceiurile locului\u0093 pe sase segmente principale: trezorerie, managementul riscului, contabilitate, raportare, control si implementare a regulilor Basel II de evaluare a riscului de credit. Ce vor sa faca austriecii, concret, la BCR: SA SPOREASCA cheltuielile cu actiuni de marketing, promovate [&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":[4801],"class_list":["post-5528","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-standarde-vieneze"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/5528","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=5528"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/5528\/revisions"}],"predecessor-version":[{"id":26898,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/5528\/revisions\/26898"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5528"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5528"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}