{"id":3005324,"date":"2022-05-13T12:17:44","date_gmt":"2022-05-13T09:17:44","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3005324"},"modified":"2024-01-20T12:13:00","modified_gmt":"2024-01-20T10:13:00","slug":"inflatia-si-robor-cresc-anuntand-vremuri-complicate-cum-sa-ne-pregatim-pentru-ele-si-cat-de-recomandabil-e-sa-ne-mutam-creditele-de-pe-robor-pe-ircc","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/inflatia-si-robor-cresc-anuntand-vremuri-complicate-cum-sa-ne-pregatim-pentru-ele-si-cat-de-recomandabil-e-sa-ne-mutam-creditele-de-pe-robor-pe-ircc\/","title":{"rendered":"Infla\u021bia \u0219i ROBOR cresc, anun\u021b\u00e2nd vremuri complicate. Cum s\u0103 ne preg\u0103tim pentru ele \u0219i c\u00e2t de recomandabil e s\u0103 ne mut\u0103m creditele de pe ROBOR pe IRCC - only in romanian"},"content":{"rendered":"
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Infla\u021bia se apropie de 14% \u0219i probabil vom vedea niveluri \u0219i mai ridicate \u00een lunile urm\u0103toare. ROBOR la 3 \u0219i 6 luni sunt pe un trend de cre\u0219tere, afect\u00e2nd ratele la creditele pe care mul\u021bi dintre noi le au la b\u0103nci. Vin vremuri complicate, cu pre\u021buri mari \u0219i dob\u00e2nzi \u00een cre\u0219tere. Cum ar trebui s\u0103 ne preg\u0103tim pentru ele? S\u0103 ne mut\u0103m creditele de pe ROBOR pe IRCC? O discu\u021bie cu Bogdan Neac\u0219u, Pre\u0219edinte Consiliul Director Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor.<\/strong><\/p>

\"\"Bogdan Neac\u0219u, CEO Cec Bank si pre\u0219edinte ARB Foto: Hotnews<\/p>

\u00cencerc\u0103m s\u0103 spunem clien\u021bilor s\u0103 nu aib\u0103 a\u0219tept\u0103ri c\u0103 acel IRCC va fi \u00eenghe\u021bat<\/strong><\/span><\/p>

Rep: De\u0219i exist\u0103 o lege care permite b\u0103ncilor s\u0103 treac\u0103 creditele clien\u021bilor de pe ROBOR pe IRCC, sunt b\u0103nci care refuz\u0103 s\u0103 fac\u0103 acest lucru, f\u0103r\u0103 a le oferi explica\u021bii celor care solicit\u0103 mutarea? Ca bancher, dac\u0103 un client v\u0103 \u00eentreab\u0103 dac\u0103 s\u0103-\u0219i schimbe tipul de dob\u00e2nd\u0103 din ROBOR +marja b\u0103ncii \u00een IRCC +marja b\u0103ncii ce i-a\u021bi recomanda?<\/em><\/strong><\/p>

Bogdan Neac\u0219u:<\/em><\/strong> Trecerea de la ROBOR la IRCC \u00een contractele vechi \u00een lei se face cu acordul ambelor p\u0103r\u021bi. \u00cencerc\u0103m s\u0103 transmitem c\u0103 dac\u0103 un client solicit\u0103 s\u0103 fac\u0103 trecerea de la ROBOR la IRCC \u0219i aceast\u0103 cerere se aprob\u0103 de c\u0103tre banc\u0103, atunci acest proces este ireversibil<\/strong>. IRCC-ul are o alt\u0103 perioad\u0103 de ajustare \u0219i este o medie ponderat\u0103 care \u00een trei luni de zile ajunge foarte aproape de media ROBOR-ului de la perioada la care ne raport\u0103m.<\/p>

\u00cencerc\u0103m s\u0103 spunem clien\u021bilor s\u0103 nu aib\u0103 a\u0219tept\u0103ri c\u0103 acel IRCC va fi \u00eenghe\u021bat. Noi \u00eencerc\u0103m s\u0103 le explic\u0103m \u0219i s\u0103-i \u00eenv\u0103\u021b\u0103m pe clien\u021bi s\u0103 \u00eencerce s\u0103 anticipeze, s\u0103 se uite pe un orizont un pic mai lung dec\u00e2t luna viitoare. Fiecare banc\u0103 \u00eencearc\u0103 s\u0103 g\u0103seasc\u0103 acele solu\u021bii pentru acele perioade din vie\u021bile noastre c\u00e2nd trecem prin momente mai dificile.<\/p>

Rep: Care sunt solu\u021biile la care pot apela clien\u021bii bancari pentru a-\u0219i restructura creditele, \u00een caz c\u0103 apar dificult\u0103\u021bi \u00een rambursarea \u00eemprumuturilor?<\/em><\/strong><\/p>

Bogdan Neac\u0219u:<\/strong> B\u0103ncile vor sprijini prin orice m\u0103suri necesare clien\u021bii afecta\u021bi financiar de noul context pentru a preveni o criz\u0103 la nivel economic \u0219i social. Consumatorii debitori care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi financiare temporare pot apela la solu\u021biile individuale puse la dispozi\u021bie de b\u0103nci, inclusiv \u00een baza OUG 52\/2016. B\u0103ncile \u0219i consumatorii colaboreaz\u0103 pentru a stabili motivele apari\u021biei dificult\u0103\u021bilor financiare \u0219i pentru a lua m\u0103suri adecvate. Aceste m\u0103suri individuale au avantajul c\u0103 sunt calibrate corespunz\u0103tor pe nevoile clien\u021bilor.<\/p>

Consumatorii afla\u021bi \u00een dificultate pot beneficia de o refinan\u021bare total\u0103 sau par\u021bial\u0103 a contractului de credit<\/strong><\/p>

Consumatorii afla\u021bi \u00een dificultate pot beneficia de o palet\u0103 larg\u0103 de solu\u021bii puse la dispozi\u021bie de b\u0103nci precum refinan\u021barea total\u0103 sau par\u021bial\u0103 a contractului de credit, prelungirea duratei contractului de credit, schimbarea tipului contractului de credit, am\u00e2narea pl\u0103\u021bii sumei totale sau par\u021biale a ratei de rambursare pentru o perioad\u0103, oferirea unei perioade f\u0103r\u0103 pl\u0103\u021bi, reducerea pe perioade scurte a ratei etc. Gradul de \u00eendatorare mediu este 33% pentru creditele noi \u0219i de 42% pentru \u00eentreg portofoliul de credite imobiliare, ceea ce asigur\u0103 o marj\u0103 de manevr\u0103 pentru solu\u021biile individuale cu care se adreseaz\u0103 b\u0103ncile consumatorilor care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi financiare temporare.<\/p>

Clien\u021bii persoane juridice sunt \u00eencuraja\u021bi s\u0103 discute cu banca cu care colaboreaz\u0103 pentru a g\u0103si solu\u021bii individuale pentru dep\u0103\u0219irea dificult\u0103\u021bilor. \u00cen perioada pandemiei, 33% dintre cererile clien\u021bilor au fost solu\u021bionate \u00een baza moratoriului public \u0219i 67% prin m\u0103surile individuale ale b\u0103ncilor.<\/p>

Rep: Ca bancher, ca om care are \u201dthe big picture\u201d \u00een fa\u021b\u0103, cum vede\u021bi a doua jum\u0103tate a anului 2022: vor veni vremuri (\u0219i mai) complicate? Toate analizele arat\u0103 o \u00eencetinire a economiei. Cum ar trebui s\u0103 ne preg\u0103tim pentru asta? <\/em><\/strong><\/p>

Bogdan Neac\u0219u: <\/strong>Ne afl\u0103m acum \u00eentr-o nou\u0103 paradigm\u0103. Nimeni nu se a\u0219tepta cu c\u00e2\u021biva ani \u00een urm\u0103 s\u0103 avem confrunt\u0103ri de acest fel \u00een Europa. Declan\u0219area acestui conflict are consecin\u021be negative \u00een plan economic pentru multe state. Miz\u0103m pe asigurarea optim\u0103 a resurselor din partea sistemului bancar, pentru a genera \u00een continuare trac\u021biune \u00een activitatea de creditare \u00eentr-un ritm sustenabil. Prin finan\u021barea acordat\u0103, industria bancar\u0103 este unul dintre principalele motoare de cre\u0219tere economic\u0103.<\/p>

Trebuie s\u0103 ne asigur\u0103m de disponibilitatea resurselor sistemului pentru o perioad\u0103 mai \u00eendelungat\u0103 av\u00e2nd \u00een vedere riscurile legate de conflictul din Ucraina, pandemia \u0219i cercul vicios infla\u021bionist \u00een care ne afl\u0103m la nivel interna\u021bional. Noi ca sistem bancar suntem preg\u0103ti\u021bi, \u0219i \u00een baza dialogului cu debitorii care \u00eent\u00e2mpin\u0103 probleme, s\u0103 fim al\u0103turi de ei, astfel \u00eenc\u00e2t plata ratelor s\u0103 nu dep\u0103\u0219easc\u0103 posibilit\u0103\u021bile lor reale de rambursare \u00een aceast\u0103 perioad\u0103 dificil\u0103.<\/p>

Una dintre oportunit\u0103\u021bile pe care sistemul bancar le are este posibilitatea implic\u0103rii \u00een opera\u021bionalizarea Planului Na\u021bional de Redresare \u0219i Rezilien\u021b\u0103. Sistemul bancar poate juca un rol important \u00een derularea cu succes a unor ini\u021biative guvernamentale care sus\u021bin revenirea anumitor industrii. Vorbim de poten\u021bialul pe care sistemul bancar \u00eel are \u00een sus\u021binerea dezvolt\u0103rii societ\u0103\u021bii rom\u00e2ne\u0219ti \u00een ansamblu. Accelerarea digitaliz\u0103rii reprezint\u0103 un alt factor de oportunitate de cre\u0219tere a gradului de incluziune financiar\u0103 \u00een Rom\u00e2nia spre media european\u0103, de 95%.<\/p>

Rep: Cum a trecut primul trimestru din acest an pentru sectorul bancar?<\/em><\/strong><\/p>

Bogdan Neac\u0219u:<\/strong> \u00cen primul trimestru al anului, sistemul bancar rom\u00e2nesc a continuat tendin\u021ba de cre\u0219tere, \u00eenregistrat\u0103 la nivelul anului 2021, \u00een ceea ce prive\u0219te activitatea de baz\u0103, de creditare a economiei reale \u0219i economisire, av\u00e2nd o pozi\u021bionare foarte bun\u0103 din perspectiva solidit\u0103\u021bii \u0219i stabilit\u0103\u021bii. Indicatorii sistemului bancar care demonstreaz\u0103 rezilien\u021ba sunt \u00een linie sau chiar \u0219i peste mediile europene. Indicatorul de solvabilitate a ajuns la 22,26%, la finele anului trecut, de aproape trei ori peste minimul solicitat. Traiectoria ratei creditelor neperformante s-a men\u021binut pe trend descendent, p\u00e2n\u0103 la 3,35% \u00een luna decembrie 2021.<\/p>

Anul trecut, o treime din portofoliul de credit neguvernamental a fost re\u00eennoit, fiind atins cel mai \u00eenalt ritm al credit\u0103rii la nivel de sold din 2009 \u00eencoace, de 14,8%. Finan\u021barea economiei rom\u00e2ne\u0219ti de c\u0103tre sistemul bancar rom\u00e2nesc a \u00eenregistrat o cre\u0219tere solid\u0103 \u00een primul trimestru, fiind \u00eenregistrat un nou maxim al ritmului de cre\u0219tere a credit\u0103rii neguvernamentale din ultimii 13 ani, de 15,8% \u00een luna februarie 2022.<\/p>

Ritmul de cre\u0219tere a economisirii s-a men\u021binut de dou\u0103 cifre, \u00een pofida elementelor de context generate la \u00eenceputul r\u0103zboiului din Ucraina.<\/p>

Rep: Cum a evoluat \u00een primul trimestru rata de neperforman\u021b\u0103 la nivel de sistem? \u0218i, pe fondul infla\u021biei \u0219i a cre\u0219terilor viitoare ale ratei cheie a BNR, crede\u021bi c\u0103 neperforman\u021ba va cre\u0219te \u00een acest an? <\/em><\/strong><\/p>

Bogdan Neac\u0219u<\/strong>: Rata creditelor neperformante a continuat trendul de decelerare fa\u021b\u0103 de luna ianuarie, p\u00e2n\u0103 la nivelul de 3,37% \u00een luna februarie 2022. Este posibil ca rata creditelor neperformante s\u0103 \u00eenregistreze o inversare de trend, \u00eens\u0103 mizez pe faptul c\u0103 m\u0103surile proactive vor diminua acest risc de cre\u0219tere. Politicile de sprijin privind clien\u021bii care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi pot s\u0103 reduc\u0103 din aceast\u0103 presiune \u0219i s\u0103 p\u0103streze eventualele fluctua\u021bii ale ratei creditelor neperformante la cote care s\u0103 nu genereze \u00eengrijorare. Rom\u00e2nia se pozi\u021bioneaz\u0103 destul de bine \u00een raport cu media UE din perspectiva gradului de acoperire cu provizioane a creditelor neperformante, de 66% fa\u021b\u0103 de 44% \u00een UE.<\/p>

Sursa:<\/strong> https:\/\/economie.hotnews.ro\/stiri-finante_banci-25551206-inflatia-robor-cresc-anuntand-vremuri-complicate-cum-pregatim-pentru-ele-cat-recomandabil-mutam-creditele-robor-ircc-discutie-bogdan-neacsu-presedinte-consiliul-director-arb.htm<\/a><\/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":"

Bogdan Neac\u015fu, Pre\u015fedintele Consiliului Director al ARB, HotNews \u2013 12 mai 2022<\/p>","protected":false},"author":5,"featured_media":2939494,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3005324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nInfla\u021bia \u0219i ROBOR cresc, anun\u021b\u00e2nd vremuri complicate. Cum s\u0103 ne preg\u0103tim pentru ele \u0219i c\u00e2t de recomandabil e s\u0103 ne mut\u0103m creditele de pe ROBOR pe IRCC - 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\/inflatia-si-robor-cresc-anuntand-vremuri-complicate-cum-sa-ne-pregatim-pentru-ele-si-cat-de-recomandabil-e-sa-ne-mutam-creditele-de-pe-robor-pe-ircc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Infla\u021bia \u0219i ROBOR cresc, anun\u021b\u00e2nd vremuri complicate. 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