{"id":505,"date":"2025-01-03T09:44:05","date_gmt":"2025-01-03T07:44:05","guid":{"rendered":"https:\/\/new.arb.ro\/?page_id=505"},"modified":"2025-01-03T11:49:25","modified_gmt":"2025-01-03T09:49:25","slug":"mesajul-presedintelui","status":"publish","type":"page","link":"https:\/\/www.arb.ro\/en\/despre-arb\/mesajul-presedintelui\/","title":{"rendered":"Message of the President"},"content":{"rendered":"
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Message of the President<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"\"<\/h2>

\u00cen acest an, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor aniverseaz\u0103 34 de ani de existen\u021b\u0103. E un bun prilej s\u0103 ne uit\u0103m \u00een urm\u0103, pentru a vedea cum au evoluat sistemul \u0219i serviciile bancare, dar mai ales s\u0103 ne uit\u0103m \u00een viitor \u2013 pentru a vedea cum am putea face lucrurile mai bine \u0219i ce provoc\u0103ri ne ridic\u0103 schimbul de genera\u021bii sau revolu\u021bia digitaliz\u0103rii.<\/h4>

A look at the past<\/h4>

If we could travel back in time, 30 years ago, we would see an underdeveloped banking system, relying on 2-3 state-owned banks, with rudimentary operations: there were no cards, the options for transfers and currency exchanges were limited, and we had huge gaps compared to western financial institutions. To a great extent \u2013 in terms of products and services off ered to customers \u2013 we managed to reduce these gaps. But this was not an easy road.<\/p>

The first years after the Revolution and the transition period to the market economy in Romania were characterized by lack of experience and lack of an effi cient infrastructure, which put in an unfavorable light the real progress made by the Romanian banking system. The numerous crashes and bank scandals were events that have shaken the confi dence of the population and led to regrettable social convulsions.<\/p>

The last years of the 20th century<\/h4>

The last years of the 20th century (the period 1999\/2000) marked an important change in the ownership structure of the share capital and net assets through the \u201cabsorption\u201d of Bancorex by BCR and the preparation for privatization of Banca Agricol\u0103. The share of state\u2019s ownership in banks was drastically reduced, from over 50% in 1998 to under 33% in 2001.<\/p>

It was a period of growth and reaching maturity. And the entry of experienced players in the market contributed to the recovery of the gaps compared to the West, to modernizing internal standards and rules according to the model applied in the Western parent-banks, and last but not least \u2013 to capital infusions to support the accelerated growth of lending.<\/p>

\u00a0<\/h4>

\u00a0<\/h4>

The crisis of 2008-2010<\/h4>

This period was followed by the 2008-2010 crisis, which aff ected even fi nancial institutions and systems in more mature regions like the US and Europe. Romania has not been spared \u2013 we have witnessed an increase of nonperforming loans close to alarming levels, and a wave of disputes with customers. But fortunately, there were no bank failures, or bail-out measures in Romania, as it happened in other countries. I like to see the half full side of the glass: that this tumultuous period taught us to be more transparent in the relationship with our customers, more open to listen to their problems and to fi nd solutions \u2013 together.<\/p>

Iar acum, dup\u0103 ce am traversat dou\u0103 mari crize: criza financiar\u0103 mondial\u0103 \u0219i criza actual\u0103 de s\u0103n\u0103tate, putem spune c\u0103 avem un sistem bancar mai rezilient \u0219i care a \u00eenregistrat progrese reale \u0219i notabile. \u00cen ultimele trei decenii, totalul impactului direct, indirect \u0219i indus \u00een produc\u021bia de bunuri \u0219i servicii adus de sistemul de intermedieri financiare a fost de 198%, raportat la PIB-ul \u00eenregistrat de Rom\u00e2nia \u00een anul 2020, potrivit unui studiu de impact realizat de KPMG Advisory. \u00cen primii 14 ani scur\u0219i de la integrarea \u00een Uniunea European\u0103, sistemul bancar din Rom\u00e2nia a acordat credite ce reprezint\u0103 echivalentul Produsului Intern Brut din anul 2020. Volumul creditelor noi, acordate \u00een perioada 2007- 2020, este de 3,6 ori mai mare dec\u00e2t soldul creditului neguvernamental din 2020.<\/p>

The consequences of the pandemic<\/h4>

The consequences of the pandemic on economies worldwide are not yet fully known, but the banking system in Romania has played an important role, along with the authorities, to provide support for the aff ected households and companies. 12.7% of total loans benefi ted from public and private moratoria by the end of March 2021, according to the statistics published by the National Bank of Romania. The entrepreneurial environment has struggled and managed to carry on its business forward and adapt to all these challenges generated by the pandemic. And this was absolutely remarkable!<\/p>

Gradul de intermediere financiar\u0103 a \u00eenregistrat anul trecut o inversare de trend, ajung\u00e2nd la 24%. M\u0103sur\u0103torile realizate de studii de specialitate arat\u0103 o cre\u0219tere pe zona gradului de incluziune financiar\u0103, p\u00e2n\u0103 la 71%, pe fondul digitaliz\u0103rii accelerate. Transformarea digital\u0103 nu a \u00eenceput \u00eens\u0103 odat\u0103 cu pandemia Covid-19 \u015fi nici nu se va \u00eencheia odat\u0103 cu ea. De aceea, digitalizarea sistemului bancar \u2013 probabil cel mai \u201cexotic cuv\u00e2nt al momentului\u201d – trebuie s\u0103 continue \u00eentr-un ritm sus\u021binut, pentru a ne alinia \u00een timp real la nevoile clien\u021bilor \u0219i pentru a men\u021bine trendul de cre\u0219tere a gradului de bancarizare. Obiectivul nostru comun este cooperarea c\u00e2t mai str\u00e2ns\u0103 pentru optimizarea m\u0103surilor care ajut\u0103 cre\u0219terea economic\u0103 prin: avansul credit\u0103rii, accelerarea digitaliz\u0103rii \u0219i cre\u0219terea gradului de bancarizare. Viteza schimb\u0103rii \u0219i adapt\u0103rii la digitalizare este esen\u021bial\u0103, ca de altfel \u0219i preocuparea pentru \u00eembun\u0103t\u0103\u021birea experien\u021bei clien\u021bilor.<\/p>

I conclude here by expressing my thanks to all the dialogue partners of the Romanian Associations of Banks, whether we are talking about authorities, industry partners, the media, governing bodies of banks and affi liated members, members of Specialized Commissions and the RAB executives for the results obtained and for increasing the contribution to the development of Romania\u2019s economy.<\/p>

Bogdan Neac\u0219u,<\/h3>

President of the Board of Directors <\/strong>
Romanian Association of Banks<\/strong><\/p>\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<\/div>","protected":false},"excerpt":{"rendered":"

Mesajul pre\u0219edintelui \u00cen acest an, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor aniverseaz\u0103 34 de ani de existen\u021b\u0103. E un bun prilej s\u0103 ne uit\u0103m \u00een urm\u0103, pentru a vedea cum au evoluat sistemul \u0219i serviciile bancare, dar mai ales s\u0103 ne uit\u0103m \u00een viitor \u2013 pentru a vedea cum am putea face lucrurile mai bine \u0219i ce […]<\/p>\n","protected":false},"author":5,"featured_media":506,"parent":123,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-505","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nMesajul pre\u0219edintelui - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/despre-arb\/mesajul-presedintelui\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mesajul pre\u0219edintelui - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Mesajul pre\u0219edintelui \u00cen acest an, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor aniverseaz\u0103 34 de ani de existen\u021b\u0103. 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