{"id":3679286,"date":"2025-11-24T20:30:00","date_gmt":"2025-11-24T18:30:00","guid":{"rendered":"https:\/\/new.arb.ro\/?page_id=3679286"},"modified":"2025-12-11T15:35:29","modified_gmt":"2025-12-11T13:35:29","slug":"sistemul-bancar-din-romania-2","status":"publish","type":"page","link":"https:\/\/www.arb.ro\/en\/despre-arb\/sistemul-bancar-din-romania-2\/","title":{"rendered":"The Romanian banking system"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Evolu\u021bia sistemului bancar din Rom\u00e2nia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

Sistemul bancar din Rom\u00e2nia se afl\u0103 \u00eentr-o pozi\u021bie pruden\u021bial\u0103 \u0219i financiar\u0103 adecvat\u0103, mai to\u021bi indicatorii fiind situa\u021bi peste mediile sectoarelor bancare din Uniunea European\u0103. B\u0103ncile din Rom\u00e2nia sunt solide \u0219i bine capitalizate, indicatorul de solvabilitate a ajuns la 24,05% \u00een luna iunie 2024, de trei ori peste minimul solicitat. Din perspectiva lichidit\u0103\u021bii, indicatorii se plaseaz\u0103 la niveluri confortabile \u0219i, \u00een plus, structura bilan\u021bier\u0103 a b\u0103ncilor este orientat\u0103 c\u0103tre active lichide. Indicatorul de acoperire a necesarului de lichiditate se situa la 286,05%, potrivit datelor BNR la luna martie 2024, \u00een timp ce media european\u0103 era de 167,1% \u00een decembrie 2023.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Gradul de acoperire cu provizioane a creditelor neperformante era de 65,94% \u00een martie 2024, mult mai ridicat fa\u021b\u0103 de media european\u0103, de 42,3%, \u00een decembrie 2023, asigur\u00e2nd astfel stabilitate \u0219i rezilien\u021b\u0103. Rata creditelor neperformante a fost de 2,49% \u00een iunie 2024, la o diferen\u021b\u0103 redus\u0103 de media european\u0103 care este de 1,9%. B\u0103ncile au suficient\u0103 marj\u0103 de manevr\u0103 s\u0103 creasc\u0103 creditarea pe baze sustenabile, to\u021bi indicatorii care indic\u0103 stabilitatea, lichiditatea \u0219i rezilien\u021ba fiind adecva\u021bi.<\/p>

Asigurarea unei finan\u021b\u0103ri agile \u0219i sustenabile, posibil\u0103 \u00eentr-un context \u00een care b\u0103ncilor le sunt asigurate inclusiv condi\u021bii optime privind cre\u0219terea capitaliz\u0103rii, produce ca efecte cre\u0219terea economic\u0103, prin cre\u0219terea consumului \u0219i a investi\u021biilor \u0219i, implicit, asigurarea resurselor de care au nevoie, mai ales \u00een actualul context, statul rom\u00e2n, popula\u021bia \u0219i companiile. Altfel, economia Rom\u00e2niei devine mai vulnerabil\u0103 la eventuale \u0219ocuri externe de natura crizelor interna\u021bionale, mai ales c\u00e2nd travers\u0103m \u00eenc\u0103 o serie de crize suprapuse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The pillars of the banking system<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The National Bank of Romania<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The National Bank of Romania<\/strong>, an independent, public institution, has the exclusive right to issue currency, being the sole institution vested with the power to issue legal tender in the form of notes and coins tobe used as means of payment on the territory of Romania. The NBR supports the general economic policy of the Government without prejudice to its primary objective which is providing and maintaining price stability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The Bank Deposit Guarantee Fund<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The Bank Deposit Guarantee Fund <\/strong>was set up in 1996, as a legal entity of public law. The Fund\u2019s purpose is guarantees the reimbursement of deposits with credit institutions, according to the terms and limits established by the law on the Fund\u2019s operating. The Bank Deposit Guarantee Fund conducts activities as special administrator, interim administrator or liquidator of credit institutions, if appointed to act in such a capacity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The Credit Bureau<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Established following the initiative of the Romanian banking community, the Credit Bureau aims to support the participants to the banking system by\nproviding them real, updated, aggregated and consistent information regarding individuals who have outstanding loans with banks or financial companies, have purchased an asset via leasing or have been insured against default risk with an insurer. The Credit Bureau is a joint stock company having as shareholders 25 banks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

TRANSFOND<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Following the specials efforts of the central bank and the banking community to conduct a structural reform of the payment and settlement systems in Romania, currently, Romania has a modern payment system, compatible with those of the European Union.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The Romanian Bank Institute\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tSet up in 1991, the Romanian Banking Institute (RBI) has as main target vocational training, by specializing the staff working in banks, according to the requirements established by credit institutions and the National Bank of Romania, in cooperation with the Romanian Association of Banks and the programmes endorsed by its Board.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The Payments Incidents Bureau\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tSet up in 1997 inside the National Bank of Romania, the Payments Incidents Register is an intermediation centre managing information specific to incidents with payments instruments (cheques, promissory notes, bills of exchange), both from the bank\u2019s point of view (overdraft, not honouring the obligations undertaken via these instruments ) and from the social point of view (lost \/ stolen \/ damaged).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

The Credit Information Bureau\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The Central Credit Register \u2013 CRR (former Banking Risk Register) represents a specialised structure for collecting, storing and centralising the information on the exposure of each declarant person from Romania before the debtors who benefitted from loans and\/or commitments whose cumulated level exceeds the reporting limit (20,000 lei), as well as information on card frauds committed by card holders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRead more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Evolu\u021bia sistemului bancar din Rom\u00e2nia Sistemul bancar din Rom\u00e2nia se afl\u0103 \u00eentr-o pozi\u021bie pruden\u021bial\u0103 \u0219i financiar\u0103 adecvat\u0103, mai to\u021bi indicatorii fiind situa\u021bi peste mediile sectoarelor bancare din Uniunea European\u0103. B\u0103ncile din Rom\u00e2nia sunt solide \u0219i bine capitalizate, indicatorul de solvabilitate a ajuns la 24,05% \u00een luna iunie 2024, de trei ori peste minimul solicitat. Din […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":123,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-3679286","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nSistemul bancar din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sistemul bancar din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Evolu\u021bia sistemului bancar din Rom\u00e2nia Sistemul bancar din Rom\u00e2nia se afl\u0103 \u00eentr-o pozi\u021bie pruden\u021bial\u0103 \u0219i financiar\u0103 adecvat\u0103, mai to\u021bi indicatorii fiind situa\u021bi peste mediile sectoarelor bancare din Uniunea European\u0103. B\u0103ncile din Rom\u00e2nia sunt solide \u0219i bine capitalizate, indicatorul de solvabilitate a ajuns la 24,05% \u00een luna iunie 2024, de trei ori peste minimul solicitat. Din […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/despre-arb\/sistemul-bancar-din-romania-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-11T13:35:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_banci-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1326\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/\",\"name\":\"Sistemul bancar din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_banci-1.jpg\",\"datePublished\":\"2025-11-24T18:30:00+00:00\",\"dateModified\":\"2025-12-11T13:35:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_banci-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_banci-1.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/sistemul-bancar-din-romania-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Despre ARB\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/despre-arb\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sistemul bancar din Rom\u00e2nia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sistemul bancar din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_US","og_type":"article","og_title":"Sistemul bancar din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Evolu\u021bia sistemului bancar din Rom\u00e2nia Sistemul bancar din Rom\u00e2nia se afl\u0103 \u00eentr-o pozi\u021bie pruden\u021bial\u0103 \u0219i financiar\u0103 adecvat\u0103, mai to\u021bi indicatorii fiind situa\u021bi peste mediile sectoarelor bancare din Uniunea European\u0103. B\u0103ncile din Rom\u00e2nia sunt solide \u0219i bine capitalizate, indicatorul de solvabilitate a ajuns la 24,05% \u00een luna iunie 2024, de trei ori peste minimul solicitat. Din […]","og_url":"https:\/\/www.arb.ro\/en\/despre-arb\/sistemul-bancar-din-romania-2\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_modified_time":"2025-12-11T13:35:29+00:00","og_image":[{"width":1920,"height":1326,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_banci-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/","url":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/","name":"Sistemul bancar din Rom\u00e2nia - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_banci-1.jpg","datePublished":"2025-11-24T18:30:00+00:00","dateModified":"2025-12-11T13:35:29+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_banci-1.jpg","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_banci-1.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/despre-arb\/sistemul-bancar-din-romania-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"Despre ARB","item":"https:\/\/www.arb.ro\/despre-arb\/"},{"@type":"ListItem","position":3,"name":"Sistemul bancar din Rom\u00e2nia"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/3679286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=3679286"}],"version-history":[{"count":8,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/3679286\/revisions"}],"predecessor-version":[{"id":3685795,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/3679286\/revisions\/3685795"}],"up":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/pages\/123"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3679286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}