{"id":3682855,"date":"2024-04-16T21:37:10","date_gmt":"2024-04-16T18:37:10","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3682855"},"modified":"2024-04-24T15:37:44","modified_gmt":"2024-04-24T12:37:44","slug":"profitabilitatea-este-mitul-cel-mai-daunator-despre-banci","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/profitabilitatea-este-mitul-cel-mai-daunator-despre-banci\/","title":{"rendered":"Florin D\u0103nescu, pre\u0219edinte executiv ARB: Profitabilitatea este mitul cel mai d\u0103un\u0103tor despre b\u0103nci, se transform\u0103 \u00een ini\u021biative legislative anti-pia\u021b\u0103, anti-economie, anti-b\u0103nci. Nu \u0219tiu dac\u0103 e un concurs socialist s\u0103 fim pe alt loc \u00een Europa"},"content":{"rendered":"
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Cifrele arat\u0103 bine \u00een ceea ce prive\u0219te sistemul bancar rom\u00e2nesc<\/em>, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a Bancilor (ARB). <\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Acestea relev\u0103 un sistem bancar stabil, rezilient, cu profitabilitate bun\u0103, dar cu performan\u021b\u0103 \u00een sc\u0103dere.\u00a0<\/p>

Pre\u0219edintele ARB mai afirm\u0103 \u0219i c\u0103, atunci c\u00e2nd se analizeaz\u0103 o industrie, \u00eentreprindere sau un bilan\u021b, este important s\u0103 se ia \u00een considerare aspectul cantitativ, structural \u0219i calitativ, \u00een aceast\u0103 ordine.\u00a0\u00a0<\/p>

A\u0219adar, din perspectiva cantit\u0103\u021bii, sistemul bancar este oarecum \u00een sc\u0103dere numeric. De la 42 de b\u0103nci, acum sunt 39, iar num\u0103rul b\u0103ncilor locale pare c\u0103 va continua s\u0103 scad\u0103. Creditarea \u00eens\u0103 continu\u0103 s\u0103 creasc\u0103 de la an la an, ajung\u00e2nd ca \u00een 2023 s\u0103 \u00eenregistreze un avans de 10,41% fa\u021b\u0103 de 2022. De asemenea \u0219i depozitele au fost \u00een cre\u0219tere anul trecut, cu 11,8% fa\u021b\u0103 de anul precedent.\u00a0<\/p>

\u201e\u0218i \u0103sta e un lucru foarte bun ca dinamic\u0103 cantitativ\u0103 din perspectiva a celor doi indicativi importan\u021bi ai b\u0103ncilor, credite \u0219i depozite. Ponderea acestor cifre \u00een produc\u021bia industrial\u0103 rom\u00e2neasc\u0103 plaseaz\u0103 \u00een continuare Rom\u00e2nia ca \u0219i intermediere financiar\u0103 pe ultimul loc \u00een Europa.\u00a0<\/em><\/p>

Nu \u0219tiu dac\u0103 e un concurs socialist s\u0103 fim pe alt loc \u00een Europa din perspectiv ponderii credit\u0103rii \u00een PIB, doar c\u0103 acest indicator relev\u0103 ceva esen\u021bial – \u0219i anume care este motorul de finan\u021bare \u0219i de sprijinire al industriilor \u00een Rom\u00e2nia, o \u021bar\u0103 f\u0103r\u0103 acumulare de capital pentru a ajunge din urma mediile europene de dezvoltare. \u0218i asta \u00eentr-o \u021bar\u0103 cu lipsa acumul\u0103rii de capital \u00een care, evident c\u0103, nevoia de credit este mai mare dec\u00e2t \u00een alte \u021b\u0103ri<\/em>\u201d, spune acesta.<\/p>

Cu toate acestea, continu\u0103 pre\u0219edintele ARB, Rom\u00e2nia are o intermediere financiar\u0103 de aproximativ 25%, \u00een timp ce media european\u0103 e de circa 90%. \u00cen 2010, era de 40% spre exemplu.\u00a0<\/p>

\u201e\u0218i asta ne spune ceva. Deci, cantitativ nu st\u0103m deloc bine, avem o cifr\u0103 mic\u0103, 25% din PIB creditare, dar iat\u0103 c\u0103 cifrele de structur\u0103, indicii de poten\u021bialitate indic\u0103 o foarte bun\u0103 solvabilitate, ceea ce \u00eenseamn\u0103 siguran\u021ba b\u0103ncilor \u00een fa\u021ba unor situa\u021bii neprev\u0103zute.\u00a0<\/em><\/p>

Minima reglementat\u0103 e de 8%, noi func\u021bion\u0103m cu 23% solvabilitate. De asemenea, lichiditatea este extrem de mare peste 250% fa\u021b\u0103 de media european\u0103 de 140%, ceea ce presupune c\u0103 suntem \u00een topul \u021b\u0103rilor \u0219i din perspectiva solvabilit\u0103\u021bii \u0219i a lichidit\u0103\u021bii.\u00a0<\/em><\/p>

Deci indicatori de pruden\u021bialitate foarte buni, dar cu o cantitate mic\u0103. Deci pe o structur\u0103 bun\u0103, cu o cantitate mic\u0103<\/em>\u201d, precizeaz\u0103 Florin D\u0103nescu.\u00a0<\/p>

Din punct de vedere calitativ, pre\u0219edintele executiv al ARB afirm\u0103 c\u0103, dup\u0103 criza din 2008-2009, sistemul bancar rom\u00e2nesc s-a restructurat masiv, at\u00e2t ca num\u0103r de angaja\u021bi, c\u00e2t \u0219i de sucursale.\u00a0<\/p>

\u201e\u00cen general, indicatorii calitativi au foarte mare leg\u0103tur\u0103 \u0219i cu productivitatea \u0219i cu profitabilitatea. Din perspectiva productivit\u0103\u021bii, de la criza financiar\u0103 \u00eencoace, sistemul bancar s-a restructurat masiv. A fost o restructurare a sistemului bancar cu reducere a num\u0103rului de personal cu aproape 40% \u0219i de re\u021bea cu 35-40%.\u00a0<\/em><\/p>

Deci, ne-am restructurat puternic \u0219i asta duce la indicatori de optimizare foarte buni pentru b\u0103nci. Un indicator care m\u0103soar\u0103 func\u021bionalitatea \u0219i eficien\u021ba b\u0103ncilor este cel de costuri supra venituri \u0219i unde iar\u0103\u0219i Rom\u00e2nia st\u0103 printre primele \u021b\u0103ri. Asta ne arat\u0103 c\u0103 nu mai ai loc de restructurare, de ajustare<\/em>\u201d, explic\u0103 Florin D\u0103nescu.\u00a0<\/p>

El atrage totodat\u0103 aten\u021bia \u0219i asupra miturilor legate de profitabilitatea b\u0103ncilor, care, din p\u0103cate, \u201ese transform\u0103 \u00een legislative anti-pia\u021b\u0103, anti-economie, anti-b\u0103nci<\/em>\u201d.\u00a0<\/p>

\u201eB\u0103ncile fac parte din economie. Dac\u0103 cumva consider\u0103 c\u0103 poate separa finan\u021batorul de proiectul economic, asta \u00eenseamn\u0103 c\u0103 probabil are alt\u0103 meserie dec\u00e2t cea de economist. \u00cen 2022 profitabilitatea era de 16,5%, probabil c\u0103 \u00een 2023 se vor consemna cifre de aproximativ 20% ca profitabilitate generat\u0103 din profit net la capitaluri \u0219i probabil cel mai relevant indicator la nivelul industriei bancare, considerat foarte mare de c\u0103tre foarte mul\u021bi anali\u0219ti, comunicatori sau politicieni<\/em>\u201d, subliniaz\u0103 acesta.\u00a0<\/p>

\u201eA fost extrem de dificil s\u0103 facem rost de cifrele de profitabilitate ale celorlalte industrii. \u00cen timp ce profitabilitate bancar\u0103 se g\u0103se\u0219te la vedere, perfect transparent, despre celelalte industrii g\u0103sim tot felul de indicatori, mai pu\u021bin despre profitabilitate. Avem date ANAF din 2022 care relev\u0103 c\u0103 industria bancar\u0103 are profitabilitate situat\u0103 sub celelalte industrii<\/em>\u201d, completeaz\u0103 el.<\/p>

Randamentul activelor \u00een schimb este considerat foarte bun, adaug\u0103 acesta, la o valoare de 1,5% \u00een 2022, iar \u00een 2023 probabil c\u0103 va fi undeva la 1,7%. Media sistemului industrial rom\u00e2nesc la randamentul activelor este 7,1% \u00een 2022, iar maxima este de 20,6%. Randamentul la capitaluri \u00een 2022 era de 16,4%, \u00een timp ce media era de 24% \u00een sistemul industrial rom\u00e2nesc, iar maxima de 60%.\u00a0<\/p>

\u201ePozi\u021bionarea profitabilit\u0103\u021bii b\u0103ncilor ca \u0219i randament la capitaluri este pe locul 20 din 24, iar ca \u0219i randament la active pe locul 24 din 24. Asta s-a \u00eent\u00e2mplat de 10 ani. Am f\u0103cut \u0219i o analiz\u0103 la nivel mondial. Ce am descoperit este c\u0103 aproape toate industriile din Rom\u00e2nia sunt mai profitabile dec\u00e2t cele occidentale.\u00a0<\/em><\/p>

Explica\u021bia economic\u0103 este cea a cantit\u0103\u021bii, a infrastructurii, a costurilor mari. Toate industriile din Rom\u00e2nia func\u021bioneaz\u0103 cu o infrastructur\u0103 s\u0103rac\u0103 sau dificil\u0103 din perspectiv\u0103 economic\u0103, legislativ\u0103 sau a reglement\u0103rii \u0219i lucreaz\u0103 cu pierderi mari din cauza acestea.\u00a0<\/em><\/p>

Impredictibilitatea din perspectiv\u0103 legislativ\u0103 \u00eencurc\u0103 foarte tare un plan de afaceri consistent, coerent, constant. Pentru investitorii str\u0103ini, de exemplu, cei care aduc capitaluri \u00een Rom\u00e2nia, \u00een toate industriile, contextul bancar al aducerii unor capitaluri \u00een valoare de 13 miliarde euro, altfel se vede profitul bancar de 2 miliarde de euro<\/em>\u201d, mai spune Florin D\u0103nescu.\u00a0<\/p>

Ca \u0219i exemplu, sistemul bancar are cea mai mare cifr\u0103 \u00een ceea ce prive\u0219te activele, de 700 miliarde de lei, urm\u0103toarea industrie cu cele mai mari active fiind cea a construc\u021biilor, cu 243 miliarde lei. \u00cen ceea ce prive\u0219te profitabilitatea, sistemul bancar se situeaz\u0103 la 10 miliarde de lei, \u00een timp ce construc\u021biile ajung la 19 miliarde de lei. Iar randamentul la active este de 7,8% \u00een construc\u021bii, fa\u021b\u0103 de 1,5% la b\u0103nci.\u00a0<\/p>

\u201eNu e r\u0103u s\u0103 fii mai mare. B\u0103ncile nu se pl\u00e2ng c\u0103 au profituri mici, noi vrem doar s\u0103 demitiz\u0103m aceast\u0103 perspectiv\u0103 asupra b\u0103ncilor care duce la un comportament advers \u0219i la taxe mai mari bazat pe fapte absolut false. Mai trist este c\u0103 acest mituri sunt judecate de c\u0103tre institu\u021biile statului<\/em>\u201d, subliniaz\u0103 acesta.<\/p>

Sursa: aici<\/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":"

Cifrele arat\u0103 bine \u00een ceea ce prive\u0219te sistemul bancar rom\u00e2nesc, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Florin D\u0103nescu, pre\u0219edinte executiv al Asocia\u021biei Rom\u00e2ne a Bancilor (ARB). Acestea relev\u0103 un sistem bancar stabil, rezilient, cu profitabilitate bun\u0103, dar cu performan\u021b\u0103 \u00een sc\u0103dere. Pre\u0219edintele ARB mai afirm\u0103 \u0219i c\u0103, atunci c\u00e2nd se analizeaz\u0103 […]<\/p>\n","protected":false},"author":5,"featured_media":3682859,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3682855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nFlorin D\u0103nescu, pre\u0219edinte executiv ARB: Profitabilitatea este mitul cel mai d\u0103un\u0103tor despre b\u0103nci, se transform\u0103 \u00een ini\u021biative legislative anti-pia\u021b\u0103, anti-economie, anti-b\u0103nci. Nu \u0219tiu dac\u0103 e un concurs socialist s\u0103 fim pe alt loc \u00een Europa - 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\/profitabilitatea-este-mitul-cel-mai-daunator-despre-banci\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florin D\u0103nescu, pre\u0219edinte executiv ARB: Profitabilitatea este mitul cel mai d\u0103un\u0103tor despre b\u0103nci, se transform\u0103 \u00een ini\u021biative legislative anti-pia\u021b\u0103, anti-economie, anti-b\u0103nci. 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