{"id":4297,"date":"2014-12-09T16:05:57","date_gmt":"2014-12-09T14:05:57","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4297"},"modified":"2025-10-08T15:29:02","modified_gmt":"2025-10-08T12:29:02","slug":"barometrul-bancar-arb-ey-2","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/barometrul-bancar-arb-ey-2\/","title":{"rendered":"Barometrul bancar ARB &amp; EY - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4297\" class=\"elementor elementor-4297\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38b4c86c e-flex e-con-boxed e-con e-parent\" data-id=\"38b4c86c\" 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-4e5c53f8 elementor-widget elementor-widget-text-editor\" data-id=\"4e5c53f8\" 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 style=\"text-align: justify;\">Cadrul legislativ al insolven\u0163ei \u015fi practica judiciar\u0103 \u00een materie de insolven\u0163\u0103, incertitudinile \u00een perspectivele economiei \u015fi ini\u0163iativele legislative pe zona consumatorilor care pot afecta disciplina \ufb01nanciar\u0103 sunt principalele aspecte care \u00een prezent descurajeaz\u0103 creditarea, conform \u201eBarometrului Bancar ARB &amp; EY\u201d.<\/p><p style=\"text-align: justify;\">EY Romania a realizat, \u00een baza unui parteneriat cu Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB), indicele industriei bancare denumit \u201eBarometrul Bancar ARB &amp; EY\u201d care re\ufb02ect\u0103 \u00eencrederea industriei bancare \u00een mersul economiei \u00een func\u0163ie de condi\u0163iile economice, modi\ufb01c\u0103rile legislative \u015fi mediul extern \u015fi propune identi\ufb01carea de solu\u0163ii de restabilire a \u00eencrederii. La acest sondaj realizat \u00een primul semestru 2014 prin intermediul unui chestionar derulat cu conducerile b\u0103ncilor membre ale ARB au participat institu\u0163ii de credit totaliz\u00e2nd o cot\u0103 de pia\u0163\u0103 \u00een func\u0163ie de active de peste 85%. Sondajul va avea o periodicitate bianual\u0103.<\/p><p style=\"text-align: justify;\">Bancherii apreciaz\u0103 c\u0103 anumite ini\u0163iative legislative pe zona consumatorilor \u015fi modul \u00een care sunt promovate pot afecta disciplina \ufb01nanciar\u0103 \u015fi transmite mesaje gre\u015fite despre practicile b\u0103ncilor. Ar trebui evitat\u0103 orice propunere legislativ\u0103 care afecteaz\u0103 disciplina de creditare \u015fi unde aplicabilitatea legii depinde de buna credin\u0163\u0103, mai ales acum c\u00e2nd economia are nevoie de stabilitatea sistemului bancar \u015fi de resurse pentru creditare.<\/p><p style=\"text-align: justify;\">Institu\u0163iile de credit sunt interesate s\u0103 sus\u0163in\u0103 economia cu credite. Potrivit sondajului realizat \u00een semestrul \u00eent\u00e2i 2014, peste 80% din b\u0103nci se a\u015fteapt\u0103 la o intensi\ufb01care a activit\u0103\u0163ii de creditare \u00een urm\u0103toarea perioad\u0103 pe fondul anticipa\u0163iilor privind cre\u015fterea cererii de credite \u00een mai multe sectoare \u015fi relaxarea par\u0163ial\u0103 a politicilor de creditare \u00een sectoare precum Industria, Tehnologia Informa\u0163iei, Agricultura, Telecomunica\u0163ii, S\u0103n\u0103tate \u015fi pe segmentul IMM-urilor.<\/p><p style=\"text-align: justify;\">Pe zona de retail, peste 65% din b\u0103nci se a\u015fteapt\u0103 la o cre\u015ftere a cererii de credite de consum, iar o propor\u0163ie mai mare, de 75%, la un avans al cererii de carduri de credit. Tot \u00eentr-o proportie mare (70%) b\u0103ncile anticipeaz\u0103 cre\u015fterea cererii de creditare pentru clien\u0163i &#8211; persoane juridice. Potrivit sondajului, cadrul legislativ al insolventei \u015fi modul de aplicare al legisla\u0163iei descurajeaz\u0103 creditarea, consider\u0103 peste 85% din b\u0103ncile respondente. Recentele modi\ufb01c\u0103ri ale legisla\u0163iei insolven\u0163ei aduc \u00eembun\u0103t\u0103\u0163iri cadrului legislativ, dar mai sunt lucruri de f\u0103cut \u00een ceea ce prive\u015fte aplicarea legii.<\/p><p style=\"text-align: justify;\">Priorit\u0103\u0163ile Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor vizeaz\u0103 men\u0163inerea rolului sistemului bancar de principal \ufb01nan\u0163ator al economiei Rom\u00e2niei, inclusiv prin demersuri pentru \u00eent\u0103rirea disciplinei \ufb01nanciare pentru asigurarea stabilit\u0103\u0163ii \u015fi credibilit\u0103\u0163ii sectorului bancar. Prezentarea \u00een fa\u0163a deciden\u0163ilor a provoc\u0103rilor \u015fi solu\u0163iilor reprezint\u0103 o condi\u0163ie sine qua non pentru succesul \u00een activitatea de fundamentare transparent\u0103 a deciziilor care s\u0103 conduc\u0103 la rec\u00e2\u015ftigarea \u00eencrederii. Actul legislativ trebuie s\u0103 pun\u0103 \u00een centrul aten\u0163iei interesele economiei rom\u00e2ne\u015fti, care \u00eenseamn\u0103 interesul \ufb01ec\u0103rui cet\u0103\u0163ean din Rom\u00e2nia.<\/p><p style=\"text-align: justify;\">\u00cen procesul decizional trebuie s\u0103 se \u0163in\u0103 cont c\u0103 orice presiune pus\u0103 pe activul b\u0103ncilor afecteaz\u0103 echilibrul \u015fi decizia de alocare de capital \u015fi de \ufb01nan\u0163are pentru creditare. De fapt, afecteaz\u0103 \u00eentreaga economie.<\/p><p style=\"text-align: justify;\">\u00cen acela\u015fi timp, b\u0103ncile au responsabilitatea milioanelor de deponen\u0163i. O economie capitalist\u0103 nu se poate dezvolta f\u0103r\u0103 un sistem bancar stabil \u015fi solid care s\u0103-\u015fi exercite rolul de \ufb01nan\u0163ator al economiei. Sectorul bancar din Rom\u00e2nia \ufb01nan\u0163eaz\u0103 preponderent economia rom\u00e2neasc\u0103. La fel, un sistem bancar nu poate performa \u015fi \u00eendeplini \u00een totalitate rolul dac\u0103 economia nu este s\u0103n\u0103toas\u0103 \u015fi dac\u0103 actorii economiei reale exercit\u0103 presiune pe bilan\u0163urile institu\u0163iilor de credit.<\/p><p style=\"text-align: justify;\">Peste 80% din b\u0103nci se a\u015fteaptau ca cheltuielile cu provizioanele de risc de credit s\u0103 nu creasc\u0103 sau chiar s\u0103 scad\u0103 (35%). \u00cen acela\u0163i timp, aproximativ 75% din b\u0103nci cred c\u0103 rezultatele \ufb01nanciare se vor \u00eembun\u0103t\u0103\u0163i.<\/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\u015fteapt\u0103 la o consolidare de anvergura medie \u015fi doar 14% la o consolidare de anvergur\u0103 mare. Sondajul relev\u0103 c\u0103 institu\u0163iile de credit sunt interesate mai degrab\u0103 de cump\u0103rarea de credite dec\u00e2t de v\u00e2nzare. Aproximativ 43% din b\u0103nci iau \u00een considerare achizi\u0163ia de portofolii de credite \u015fi 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. Restructur\u0103rile din sectorul bancar se apropie de \ufb01nal, \u00een condi\u0163iile \u00een care 70% din b\u0103nci nu vor reduce num\u0103rul angaja\u0163ilor \u00een urm\u0103toarea perioad\u0103, \u00een timp ce aproximativ 20% se a\u015fteapt\u0103 chiar la o cre\u015ftere a num\u0103rului de angaja\u0163i.<\/p><p style=\"text-align: justify;\">Prin eliminarea provoc\u0103rilor cu care se confrunt\u0103 sistemul bancar, \u00een special de ordin legislativ, consumatorii vor putea bene\ufb01cia de servicii bancare la pre\u0163uri mai competitive \u015fi companiile din Rom\u00e2nia vor putea concura c\u00e2t mai e\ufb01cient posibil pe pie\u0163ele externe.<\/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":"<p>Cadrul legislativ al insolven\u0163ei \u015fi practica judiciar\u0103 \u00een materie de insolven\u0163\u0103, incertitudinile \u00een perspectivele economiei \u015fi ini\u0163iativele legislative pe zona consumatorilor care pot afecta disciplina \ufb01nanciar\u0103 sunt principalele aspecte care \u00een prezent descurajeaz\u0103 creditarea, conform \u201eBarometrului Bancar ARB &amp; EY\u201d. EY Romania a realizat, \u00een baza unui parteneriat cu Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor (ARB), indicele [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[73],"tags":[],"class_list":["post-4297","post","type-post","status-publish","format-standard","hentry","category-proiecte"],"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-2\/\" \/>\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; EY - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Cadrul legislativ al insolven\u0163ei \u015fi practica judiciar\u0103 \u00een materie de insolven\u0163\u0103, incertitudinile \u00een perspectivele economiei \u015fi ini\u0163iativele legislative pe zona consumatorilor care pot afecta disciplina \ufb01nanciar\u0103 sunt principalele aspecte care \u00een prezent descurajeaz\u0103 creditarea, conform \u201eBarometrului Bancar ARB &amp; EY\u201d. 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