{"id":4253,"date":"2014-10-17T12:29:20","date_gmt":"2014-10-17T09:29:20","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4253"},"modified":"2024-01-20T14:06:26","modified_gmt":"2024-01-20T12:06:26","slug":"raspunsuri-utile","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/raspunsuri-utile\/","title":{"rendered":"Raspunsuri utile - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4253\" class=\"elementor elementor-4253\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2460d326 e-flex e-con-boxed e-con e-parent\" data-id=\"2460d326\" 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-3014cffb elementor-widget elementor-widget-text-editor\" data-id=\"3014cffb\" 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>Ce trebuie \u0219tiut despre exerci\u021biul de evaluare a solidit\u0103\u021bii?<\/h3><p style=\"text-align: justify;\"><strong>Sectorul bancar european trece \u00een aceast\u0103 perioad\u0103 printr-un exerci\u021biu de evaluare a solidit\u0103\u021bii care urm\u0103re\u0219te cre\u0219terea transparen\u021bei \u0219i recl\u0103direa \u00eencrederii. Aceste test\u0103ri ar trebui s\u0103 \u00eenl\u0103ture \u00eendoielile cu privire la soliditatea b\u0103ncilor europene, rolul acestora fiind \u0219i identificarea \u0219i corectarea eventualelor probleme. Cifrele arat\u0103 c\u0103 de la \u00eenceputul crizei financiare, b\u0103ncile din UE \u0219i-au \u00eembun\u0103t\u0103\u021bit pozi\u021bia de capital cu echivalentul a 450 miliarde euro. <\/strong><\/p><p style=\"text-align: justify;\">Banca Central\u0103 European\u0103 (BCE) urma s\u0103 dea publicit\u0103\u021bii duminic\u0103, 26 octombrie 2014, rezultatele evalu\u0103rii cuprinz\u0103toare \u00een r\u00e2ndul principalelor 130 de b\u0103nci europene. Dup\u0103 publicarea rezultatelor, acolo unde este necesar, b\u0103ncile vor avea la dispozi\u021bie dou\u0103 s\u0103ptam\u00e2ni pentru a trimite BCE planurile prin care s\u0103 acopere deficitul de capital. De asemenea, Autoritatea Bancar\u0103 European\u0103 (ABE) urma s\u0103 publice rezultatele testelor de stres pe data de 26 octombrie 2014. Testul de stres, care evalueaz\u0103 capacitatea de rezisten\u021b\u0103 a b\u0103ncilor din UE pentru un scenariu macroeconomic negativ ipotetic, folose\u0219te o metodologie comun\u0103 elaborat\u0103 de c\u0103tre ABE \u0219i se aplic\u0103 \u00een mod consecvent la toate b\u0103ncile participante.<\/p><p style=\"text-align: justify;\">\u00cen cadrul Mecanismului Unic de Supraveghere, primul pilon al Uniunii Bancare Europene, Banca Central\u0103 European\u0103 va avea, \u00eencep\u00e2nd cu 4 noiembrie 2014, calitatea de supraveghetor al b\u0103ncilor din zona euro \u0219i a unui num\u0103r de subsidiare ale unor institu\u021bii de credit din afara zonei euro. Rom\u00e2nia \u0219i-a exprimat angajamentul de a fi parte din Uniunea Bancar\u0103 European\u0103. BCE va supraveghea direct b\u0103ncile semnificative, b\u0103ncile care au solicitat sau primit asisten\u021b\u0103 financiar\u0103 public\u0103 direct\u0103, b\u0103ncile mai pu\u021bin semnificative (c\u00e2nd este necesar pentru a asigura aplicarea consecvent\u0103 a unor standarde \u00eenalte de supraveghere) \u0219i cele mai importante trei b\u0103nci din fiecare stat membru participant. Autorit\u0103\u021bile na\u021bionale competente vor supraveghea b\u0103ncile mai pu\u021bin semnificative. Ce informa\u021bii ar trebui cunoscute \u00eenainte \u0219i dup\u0103 publicarea rezultatelor test\u0103rii despre sistemul bancar rom\u00e2nesc?<\/p><p style=\"text-align: justify;\">Sistemul bancar rom\u00e2nesc nu a beneficiat de sprijin din fonduri publice \u00een perioada crizei. Sectorul bancar din Rom\u00e2nia dispune de rezerve de capital \u015fi lichiditate pruden\u0163iale, care ar permite acomodarea unor \u015focuri de intensitate ridicat\u0103 generate de evolu\u0163ii macroeconomice interne \u015fi externe nefavorabile, potrivit Raportulului asupra stabilit\u0103\u021bii financiare publicat recent de Banca Na\u021bional\u0103 a Rom\u00e2niei. Gradul de capitalizare al sistemului bancar rom\u00e2nesc este confortabil, de 17% \u00een iunie 2014, \u00een condi\u021biile \u00een care pragul minim stabilit conform cadrului de reglementare european CRD IV\/CRR este de 8%. Inclusiv calitatea capitaliz\u0103rii este una ridicat\u0103, rata fondurilor proprii de nivel 1 situ\u00e2ndu-se la 15%, \u00een timp ce gradul de acoperire cu provizioane IFRS a creditelor neperformante este confortabil, de 66,2% \u00een iulie 2014. Cur\u0103\u021barea bilan\u021burilor a condus la o reducere cu 5 puncte procentuale a ratei creditelor neperformante p\u00e2n\u0103 la 17%.<\/p><p style=\"text-align: justify;\">Raportul asupra stabilit\u0103\u021bii financiare arat\u0103 c\u0103 testarea la stres a solvabilit\u0103\u0163ii sectorului bancar arat\u0103 o bun\u0103 capacitate de acoperire a pierderilor poten\u0163iale generate de eventuala manifestare a unor evolu\u0163ii macroeconomice cu o severitate ridicat\u0103, \u00een pofida unei sc\u0103deri accentuate a ratei fondurilor proprii totale.<\/p><p style=\"text-align: justify;\">Este a\u0219teptat ca Uniunea Bancar\u0103 European\u0103 s\u0103-\u0219i aduc\u0103 contribu\u021bia la cre\u0219terea gradului de stabilitate financiar\u0103 \u00een zona euro, ceea ce poate implica \u0219i desf\u0103\u0219urarea unui proces ordonat de dezintermediere \u00een statele non euro sau chiar fr\u00e2narea dezintermedierii. Expunerea b\u0103ncilor-mam\u0103 fa\u0163\u0103 de filialele lor din Rom\u00e2nia se ridic\u0103 la 12,6 miliarde euro, sc\u0103derea fiind de 28% \u00een intervalul decembrie 2012 \u2013 august 2014. Ponderea \u00een total active a b\u0103ncilor cu capital str\u0103in este de 81% \u00een luna iulie 2014, \u00een condi\u021biile \u00een care cota de pia\u0163\u0103 a b\u0103ncilor cu capital majoritar rom\u00e2nesc s-a dublat p\u00e2n\u0103 la 19,8% la jum\u0103tatea acestui an.<\/p><p style=\"text-align: justify;\">Ac\u021bionarii b\u0103ncilor au r\u0103spuns cu promptitudine solicit\u0103rilor BNR pentru aporturi suplimentare de capital acolo unde era nevoie. Capitalul social aferent sectorului bancar rom\u00e2nesc a crescut cu aproximativ 5% prin aport de capital efectuat de c\u0103tre sectorul privat \u00een perioada iunie 2013 \u2013 iunie 2014. Aporturile noi de capital apar\u0163in\u00e2nd ac\u0163ionarilor, din 2012 p\u00e2n\u0103 la finele primului semestru din 2014, s-au cifrat la aproximativ 370 milioane de euro echivalent, din 2012 p\u00e2n\u0103 la finele primului semestru din 2014, din care nivelul contribu\u0163iilor noi din semestrul I 2014 a fost de 67 milioane euro echivalent. Dac\u0103 analiz\u0103m structura pasivelor institu\u0163iilor de credit care opereaz\u0103 \u00een Rom\u00e2nia se observ\u0103 c\u0103 volumul cumulat al capitalului \u015fi rezervelor asigur\u0103 peste 19,2% din finan\u0163area activelor bancare.<\/p><p style=\"text-align: justify;\">Exerci\u021biul de evaluare a solidit\u0103\u021bii sectorului bancar european urm\u0103re\u0219te cre\u0219terea transparen\u021bei \u0219i recl\u0103direa \u00eencrederii, iar abordarea mediatic\u0103 este recomandat\u0103 s\u0103 respecte principiile generale enun\u021bate \u0219i s\u0103 sublinieze capacitatea real\u0103 de acoperire\/ acomodare a sistemului bancar la eventuale \u0219ocuri.<\/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-a6d47ab elementor-widget elementor-widget-button\" data-id=\"a6d47ab\" 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_octombrie_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>Ce trebuie \u0219tiut despre exerci\u021biul de evaluare a solidit\u0103\u021bii?<\/h3>\n<p>Gabriela Folcu\u0163, Pre\u0219edinte Comisia de Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor  &#8211; <em>Pia\u021ba Financiar\u0103, octombrie 2014<\/em><\/p>","protected":false},"author":3,"featured_media":2646493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4253","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>Raspunsuri utile - 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\/raspunsuri-utile\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Raspunsuri utile - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Ce trebuie \u0219tiut despre exerci\u021biul de evaluare a solidit\u0103\u021bii? Gabriela Folcu\u0163, Pre\u0219edinte Comisia de Comunicare Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor - Pia\u021ba Financiar\u0103, octombrie 2014\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/raspunsuri-utile\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2014-10-17T09:29:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T12:06:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcut2-31-e1712223809229.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"382\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Julius\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julius\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/raspunsuri-utile\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/raspunsuri-utile\\\/\"},\"author\":{\"name\":\"Julius\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\"},\"headline\":\"Raspunsuri utile\",\"datePublished\":\"2014-10-17T09:29:20+00:00\",\"dateModified\":\"2024-01-20T12:06:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/raspunsuri-utile\\\/\"},\"wordCount\":818,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/raspunsuri-utile\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/GabrielaFolcut2-31-e1712223809229.jpg\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/raspunsuri-utile\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/raspunsuri-utile\\\/\",\"name\":\"Raspunsuri utile - 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