{"id":3408,"date":"2014-05-19T15:35:04","date_gmt":"2014-05-19T12:35:04","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3408"},"modified":"2024-01-20T14:09:21","modified_gmt":"2024-01-20T12:09:21","slug":"barometrul-bancar-arb-ey","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/barometrul-bancar-arb-ey\/","title":{"rendered":"Barometrul bancar ARB &amp; EY - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3408\" class=\"elementor elementor-3408\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-787b2ca1 e-flex e-con-boxed e-con e-parent\" data-id=\"787b2ca1\" 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-7cc6fc09 elementor-widget elementor-widget-text-editor\" data-id=\"7cc6fc09\" 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<p>B\u0103ncile a\u0219teapt\u0103 o intensificare a activit\u0103\u021bii de creditare<\/p><p style=\"text-align: justify;\">Cadrul legislativ al insolven\u021bei \u0219i practica judiciar\u0103 \u00een materie de insolven\u021b\u0103, incertitudinile \u00een perspectivele economiei \u0219i ini\u021biativele legislative pe zona consumatorilor care pot afecta disciplina financiar\u0103 sunt principalele aspecte care \u00een prezent descurajeaz\u0103 creditarea, conform &#8222;Barometrului Bancar ARB &amp; EY&#8221;. B\u0103ncile privesc urm\u0103toarea perioad\u0103 cu ceva mai mult optimism \u00een condi\u021biile \u00een care un procent semnificativ anticipeaz\u0103 cre\u0219terea cererii de credite at\u00e2t pentru persoane fizice c\u00e2t \u0219i pentru persoane juridice \u0219i peste 80% din institu\u021biile de credit se a\u0219teapt\u0103 la o intensificare a activit\u0103\u021bii de creditare.<\/p><p style=\"text-align: justify;\">EY Romania a realizat, \u00een baza unui parteneriat cu Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB), indicele industriei bancare denumit &#8222;Barometrul Bancar ARB &amp; EY&#8221; care reflect\u0103 \u00eencrederea industriei bancare \u00een mersul economiei func\u021bie de condi\u021biile economice, modific\u0103rile legislative \u0219i mediul extern \u0219i propune identificarea de solu\u021bii de restabilire a \u00eencrederii. La acest sondaj realizat prin intermediul unui chestionar derulat cu conducerile b\u0103ncilor membre ale ARB au participat institu\u021bii de credit totaliz\u00e2nd o cot\u0103 de pia\u021b\u0103 \u00een func\u021bie de active de peste 85%.<\/p><p style=\"text-align: justify;\">Bancherii apreciaz\u0103 c\u0103 anumite ini\u021biative legislative pe zona consumatorilor \u0219i modul \u00een care sunt promovate pot afecta disciplina financiar\u0103 \u0219i transmite mesaje gre\u0219ite despre practicile b\u0103ncilor. Ar trebui evitat\u0103 orice propunere legislativ\u0103 care afecteaz\u0103 disciplina de creditare \u0219i unde aplicabilitatea legii depinde de buna credin\u021b\u0103, mai ales acum c\u00e2nd economia are nevoie de stabilitatea sistemului bancar \u0219i de resurse pentru creditare.<\/p><p style=\"text-align: justify;\">Institu\u021biile de credit sunt interesate s\u0103 sus\u021bin\u0103 economia cu credite. Peste 80% din b\u0103nci se a\u0219teapt\u0103 la o intensificare a activit\u0103\u021bii de creditare \u00een urm\u0103toarea perioad\u0103 pe fondul anticipa\u021biilor privind cre\u015fterea cererii de credite \u00een mai multe sectoare \u015fi relaxarea par\u021bial\u0103 a politicilor de creditare \u00een sectoare precum Industria, Tehnologia Informa\u021biei, Agricultura, Telecomunica\u021bii, S\u0103n\u0103tate \u0219i pe segmentul IMM-urilor.<\/p><p style=\"text-align: justify;\">Pe zona de retail, peste 65% din b\u0103nci se a\u0219teapt\u0103 la o cre\u0219tere a cererii de credite de consum, iar o propor\u021bie mai mare, de 75%, la un avans al cererii de carduri de credit. Tot \u00eentr-o proportie mare (70%) b\u0103ncile anticipeaz\u0103 cre\u0219terea cererii de creditare pentru clien\u021bi &#8211; persoane juridice. Potrivit sondajului, cadrul legislativ al insolventei \u0219i modul de aplicare al legisla\u021biei descurajeaz\u0103 creditarea, consider\u0103 peste 85% din b\u0103ncile respondente. Recentele modific\u0103ri ale Codului insolven\u021bei aduc \u00eembun\u0103t\u0103\u021biri cadrului legislativ dar mai sunt lucruri de f\u0103cut \u00een ceea ce prive\u0219te aplicarea legii.<\/p><p style=\"text-align: justify;\">Priorit\u0103\u021bile Asocia\u021biei Rom\u00e2ne a B\u0103ncilor vizeaz\u0103 men\u021binerea rolului sistemului bancar de principal finan\u021bator al economiei Rom\u00e2niei, inclusiv prin demersuri pentru \u00eent\u0103rirea disciplinei financiare pentru asigurarea stabilit\u0103\u021bii \u0219i credibilit\u0103\u021bii sectorului bancar.<b> <\/b>Prezentarea \u00een fa\u021ba deciden\u021bilor a provoc\u0103rilor \u0219i solu\u021biilor reprezint\u0103 o condi\u021bie sine qua non pentru succesul \u00een activitatea de fundamentare transparent\u0103 a deciziilor care s\u0103 conduc\u0103 la rec\u00e2\u0219tigarea \u00eencrederii. Actul legislativ trebuie s\u0103 pun\u0103 \u00een centrul aten\u021biei interesele economiei rom\u00e2ne\u0219ti, care \u00eenseamn\u0103 interesul fiec\u0103rui cet\u0103\u021bean din Rom\u00e2nia. \u00cen procesul decizional trebuie s\u0103 se \u021bin\u0103 cont c\u0103 orice presiune pus\u0103 pe activul b\u0103ncilor afecteaz\u0103 echilibrul \u0219i decizia de alocare de capital \u0219i de finan\u021bare pentru creditare. De fapt, afecteaz\u0103 \u00eentreaga economie.<\/p><p style=\"text-align: justify;\">\u00cen acela\u0219i timp, b\u0103ncile au responsabilitatea milioanelor de deponen\u021bi. O economie capitalist\u0103 nu se poate dezvolta f\u0103r\u0103 un sistem bancar stabil \u0219i solid care s\u0103-\u0219i exercite rolul de finan\u021bator al economiei. Sectorul bancar din Rom\u00e2nia finan\u0163eaz\u0103 preponderent economia rom\u00e2neasc\u0103, asigur\u00e2nd aproximativ 92% din totalul finan\u0163\u0103rilor acordate de sistemul financiar. La fel, un sistem bancar nu poate performa \u0219i \u00eendeplini \u00een totalitate rolul dac\u0103 economia nu este s\u0103n\u0103toas\u0103 \u0219i dac\u0103 actorii economiei reale exercit\u0103 presiune pe bilan\u021burile institu\u021biilor de credit.<\/p><p style=\"text-align: justify;\">Peste 80% din b\u0103nci se a\u0219teapt\u0103 ca cheltuielile cu provizioanele de risc de credit s\u0103 nu creasc\u0103 sau chiar s\u0103 scad\u0103 (35%). \u00cen<b> <\/b>acela\u0219i timp, aproximativ 75% din b\u0103nci cred c\u0103 rezultatele financiare se vor \u00eembun\u0103t\u0103\u021bi<b>.<\/b><\/p><p style=\"text-align: justify;\">Pe termen mediu, o consolidare de anvergur\u0103 mare \u00een sectorul bancar nu este considerat\u0103 probabil\u0103 de vreme ce 71% din b\u0103nci se a\u0219teapt\u0103 la o consolidare de anvergura medie \u0219i doar 14% la o consolidare de anvergur\u0103 mare. Sondajul relev\u0103 c\u0103 institu\u021biile de credit sunt interesate mai degrab\u0103 de cumpararea de credite dec\u00e2t de v\u00e2nzare.<b> <\/b>Aproximativ 43% din b\u0103nci iau \u00een considerare achizi\u021bia de portofolii de credite \u0219i doar 29% v\u00e2nzarea unor astfel de active. Dintre acestea din urm\u0103 multe se refer\u0103 la practica deja uzual\u0103 a v\u00e2nz\u0103rii unor portofolii relativ mici de credite neperformante.<b> <\/b>Restructur\u0103rile din sectorul bancar se apropie de final, \u00een condi\u021biile \u00een care 70% din b\u0103nci nu vor reduce num\u0103rul angaja\u021bilor \u00een urmatoarea perioad\u0103, \u00een timp ce aproximativ 20% se a\u0219teapt\u0103 chiar la o cre\u0219tere a num\u0103rului de angaja\u021bi. <b><\/b><\/p><p style=\"text-align: justify;\">Prin eliminarea provoc\u0103rilor cu care se confrunt\u0103 sistemului bancar, \u00een special de ordin legislativ, consumatorii vor putea beneficia de servicii bancare la pre\u021buri mai competitive \u0219i companiile din Rom\u00e2nia vor putea concura c\u00e2t mai eficient posibil pe pie\u021bele externe.<\/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-ab53231 elementor-widget elementor-widget-button\" data-id=\"ab53231\" 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\/PF_mai_2014.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>B\u0103ncile a\u0219teapt\u0103 o intensificare a activit\u0103\u021bii de creditare<\/h3>\n<p>Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB,  &#8211; <em>Pia\u021ba Financiar\u0103, mai 2014 <\/em><\/p>","protected":false},"author":3,"featured_media":2645376,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Barometrul bancar ARB &amp; EY - 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\/barometrul-bancar-arb-ey\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Barometrul bancar ARB &amp; 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