{"id":2645226,"date":"2012-12-18T17:52:48","date_gmt":"2012-12-18T15:52:48","guid":{"rendered":"https:\/\/www.arb.ro\/?p=103"},"modified":"2024-01-20T14:14:16","modified_gmt":"2024-01-20T12:14:16","slug":"perspective-2013","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/perspective-2013\/","title":{"rendered":"Perspective pentru anul 2013 - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2645226\" class=\"elementor elementor-2645226\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-301d7e5b e-flex e-con-boxed e-con e-parent\" data-id=\"301d7e5b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dc8f625 elementor-widget elementor-widget-text-editor\" data-id=\"7dc8f625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Trebuie s\u0103 men\u021binem un optimism moderat<\/h3><p>Radu Gra\u021bian Ghe\u021bea, Pre\u0219edintele CD al ARB, Pre\u0219edinte CEC Bank &#8211; <em>Pia\u021ba Financiar\u0103, decembrie 2012<\/em><\/p><p dir=\"ltr\" style=\"text-align: justify;\" data-font-name=\"g_font_p0_1\" data-canvas-width=\"665.416\">Corelarea efectelor dependen\u0163ei economiei Rom\u00e2niei de economiile europene \u015fi interdependen\u0163ei mediului de business autohton de sistemul bancar determin\u0103 ca analiza perspectivelor pentru anul 2013 s\u0103 indice men\u0163inerea unui optimism moderat. Nu exist\u0103, cel pu\u0163in p\u00e2n\u0103 la acest moment, indicii pentru o evolu\u0163ie poten\u0163ial\u0103 mai nefavorabil\u0103 comparativ cu anul \u00een curs.<\/p><p dir=\"ltr\" style=\"text-align: justify;\" data-font-name=\"g_font_p0_1\" data-canvas-width=\"665.416\"><em>Corelarea efectelor dependen\u0163ei economiei Rom\u00e2niei de economiile europene \u015fi interdependen\u0163ei mediului de business autohton de sistemul bancar determin\u0103 ca analiza perspectivelor pentru anul 2013 s\u0103 indice men\u0163inerea unui optimism moderat. Nu exist\u0103, cel pu\u0163in p\u00e2n\u0103 la acest moment, indicii pentru o evolu\u0163ie poten\u0163ial\u0103 mai nefavorabil\u0103 comparativ cu anul \u00een curs.<\/em><\/p><p style=\"text-align: justify;\">Absen\u0163a revirimentului economiei zonei euro face imposibil\u0103 solu\u0163ionarea crizei datoriilor suverane din UE. Constr\u00e2ngerile sunt cu at\u00e2t mai ample cu c\u00e2t sunt voci care se opun m\u0103surilor de austeritate adoptate de statele cu datorii suverane excedentare, iar rata \u015fomajuluieste deja exorbitant\u0103 \u00een anumite \u0163\u0103ri. Este de dorit ca oficialii europeni s\u0103 fac\u0103 front comun \u00eensolu\u0163ionarea crizei datoriilor suverane, exacerbarea efectelor crizei sau posibilitatea existen\u0163ei unei noi crize prelungind starea de ne\u00eencredere \u015fi, evident, cre\u015fterea nemul\u0163u mirilor \u00een plan social.<\/p><p style=\"text-align: justify;\">Reculul economiei din zona euro \u00eentrimestrul trei, fiind vorba de recesiune tehnic\u0103 dup\u0103 o contrac\u0163ie economic\u0103 de 0,1%, \u015fi men\u0163inerea unei cre\u015fteri economice modeste de doar 0,1% \u00een Uniunea European\u0103 al\u0103turi de produc\u0163ia agricol\u0103 foarte slab\u0103 din acest an sunt principalii factori ai sc\u0103derii\u00a0Produsului Intern Brut al Rom\u00e2niei \u00een trimestrul al treilea, de 0,6% comparativ cu perioada similar\u0103 a anului trecut \u015fi de 0,5% fa\u0163\u0103 de trimestrul doi.<\/p><p style=\"text-align: justify;\">Probabil c\u0103 anul acesta economia Rom\u00e2niei va stagna sau va\u00eenregistra o cre\u015ftere real\u0103 de aproximativ 0,5%,\u0163in\u00e2nd cont de contextul economic interna\u0163ionaldificil \u015fi de rezultatele unui an agricol slab. Proiec\u0163ia avansului PIB-ului Rom\u00e2niei pentru anul 2013 este de 1-2%. Ponderea exporturilor c\u0103tre Uniunea European\u0103 este de 70%, iar \u00een condi\u0163iile \u00een care se dore\u015fte orientarea de cre\u015ftere spre cerere extern\u0103, trebuie s\u0103 ne orient\u0103m c\u0103tre pie\u0163e din afara UE pentru a contracara efectele unei cereri mai reduse din partea statelor din zona euro.<\/p><p style=\"text-align: justify;\">Miza este atragerea fondurilor europene. Trebuie fluidizat mecanismul de atragere a fondurilor europene, sectorul bancar fiind interesat s\u0103 participe la acest proces.\u00a0Avem nevoie de stabilitatea mediului de afaceri \u015fi de cre\u015fterea \u00eencrederii. Dac\u0103 economia Rom\u00e2niei nu merge bine, cele care vor suferi vor fi IMM-urile \u015fi b\u0103ncile prin gradul ridicat de neperforman\u0163\u0103. Iar acest fapt exercit\u0103 presiune pe sus\u0163inerea economiei prin credite.<\/p><p style=\"text-align: justify;\">Una dintre provoc\u0103ri este riscul de credit, \u00een condi\u0163iile \u00een care creditele neperformante sunt a\u015fteptate s\u0103 creasc\u0103 \u00een continuare. Rata creditelor neperformante era de 17,34% \u00een luna septembrie 2012, \u00een cre\u015ftere comparativ cu luna iunie 2012, c\u00e2nd ponderea era de 16,76%. \u00cemp\u0103rt\u0103\u015fesc ideea compara\u0163iei creditelor neperformante la\u00a0nivel european doar \u00een situa\u0163ia \u00een care analiz\u0103m prin corelarea cu gradul de acoperire cu provizioane a creditelor neper for mante, care \u00een Rom\u00e2nia este de 98%, iar \u00een alte state este mult mai jos.<\/p><p style=\"text-align: justify;\">Cheltuielile cu provizionarea ocup\u0103 cea mai important\u0103 pondere \u00een totalul cheltuielilor efectuate de b\u0103nci. Sistemul bancar ar putea \u00eenregistra, pentru pentru cel de-al treilea an consecutiv, un rezultat net negativ la nivel de sistem \u00een 2012. La nivelul lunii septembrie 2012, rentabilitatea activelor (ROA) este de minus 0,04%, \u00een timp ce rentabilitatea capitalurilor (ROE) este de minus 0,34%, arat\u0103 datele oficiale publicate de BNR. Este dificil de previzionat dac\u0103 2013 va fi un an profitabil pentru sistemul bancar rom\u00e2nesc, fiind vorba de interdependen\u0163a de mediul de business.<\/p><p style=\"text-align: justify;\">Un lucru este cert: restructurarea sistemului bancarva continua cel pu\u0163in cu aceea\u015fi intensitate cucare s-a realizat \u00een 2012, prin redimensionarea num\u0103rului de angaja\u0163i \u015fi de unit\u0103\u0163i bancare la nevoile curente. Creditarea va r\u0103m\u00e2ne ancorat\u0103 \u00een constr\u00e2ngeri economice, de reglementare \u015fi de cost.<\/p><p style=\"text-align: justify;\">Creditul neguvernamental va avansa pe parcursul anului 2013 cu o singur\u0103 cifr\u0103. Sunt a\u015fteptate constr\u00e2ngeri pe zona credit\u0103rii pentru IMM-uri, ca urmare a aplic\u0103rii recomand\u0103rilor europene pentru restric\u0163ionarea credit\u0103rii \u00een valut\u0103 \u015fi a aplic\u0103rii prevederilor Noului acord privind cerin\u0163ele de capital \u2013 Basel III.Contextul interna\u0163ional dificil, riscul de credit, implementarea prevederilor Basel III \u015fi reducerea expunerilor \u00een condi\u0163iile absen\u0163ei alternativelor de plasament r\u0103m\u00e2n principalele provoc\u0103ri la adresa sistemului bancar rom\u00e2nesc.<\/p><p style=\"text-align: justify;\">\u00cen discu\u0163iile purtate la nivel european privind implementarea unui sistem unic de supraveghere bancar\u0103, trebuie s\u0103 se \u0163in\u0103 cont de aspectele ridicate de statele din afara zonei euro cu privire la dreptul de vot \u00een viitorul consiliu de\u00a0supraveghere al B\u0103ncii Centrale Europene \u015fi de riscul unei posibile fragment\u0103ri \u00een sistemul financiar care s\u0103 conduc\u0103 la transformarea filialelor \u00een sucursale. Raportul com pro mis\/beneficiu trebuie s\u0103 \u00eencline \u00een favoarea bene ficiului sistemului bancar \u015fi, implicit, a economiei.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e172bb5 elementor-widget elementor-widget-button\" data-id=\"e172bb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/Ghetea-perspective-pentru-2013.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/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<\/div>","protected":false},"excerpt":{"rendered":"<h3>Trebuie s\u0103 men\u021binem un optimism moderat<\/h3>\n<p>Radu Gra\u021bian Ghe\u021bea, Pre\u0219edintele CD al ARB, Pre\u0219edinte CEC Bank &#8211; <em>Pia\u021ba Financiar\u0103, decembrie 2012<\/em><\/p>","protected":false},"author":3,"featured_media":2645480,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[40,41],"class_list":["post-2645226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media","tag-perspective-2013","tag-perspective-pentru-anul-2013"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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