{"id":6543,"date":"2017-05-02T16:31:29","date_gmt":"2017-05-02T13:31:29","guid":{"rendered":"https:\/\/www.arb.ro\/?p=6543\/"},"modified":"2024-01-20T13:01:42","modified_gmt":"2024-01-20T11:01:42","slug":"ce-mesaj-le-transmite-florin-danescu-presedintele-executiv-al-asociatiei-romane-bancilor-angajatilor-din-front-office","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/ce-mesaj-le-transmite-florin-danescu-presedintele-executiv-al-asociatiei-romane-bancilor-angajatilor-din-front-office\/","title":{"rendered":"Ce mesaj le transmite Florin D\u0103nescu, Pre\u0219edintele Executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, angaja\u021bilor din front office \u2013 Revista Bankingnews - only in romanian"},"content":{"rendered":"
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Florin D\u0103nescu, Pre\u0219edintele Executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, a scris pentru primul num\u0103r al Revistei BankingNews un material ce con\u021bine un mesaj direct adresat angaja\u021bilor din industria bancar\u0103 ce lucreaz\u0103 \u00een agen\u021bii \u0219i care intr\u0103 zi de zi \u00een contact cu clien\u021bii. V\u0103 prezent\u0103m \u00een continuare textul integral publicat \u00een Revista BankingNews.<\/p><\/header>

\"Ce<\/p>

\u201c\u00cenc\u0103 de la \u00eenceputuri, profesorilor din marile \u015fcoli de afaceri le-a pl\u0103cut s\u0103 ne supun\u0103 unei enigme: cine sunt cei care vin pe primul loc, angaja\u0163ii dumneavoastr\u0103, clien\u0163ii dumneavoastr\u0103 sau ac\u021bionarii dumneavoastr\u0103? Pentru c\u0103 era o \u00eentrebare f\u0103r\u0103 r\u0103spuns. R\u0103spunsul meu a fost simplu: pune\u021bi angaja\u0163ii dumneavoastr\u0103 \u00een primul r\u00e2nd. Dac\u0103 tratezi cu adev\u0103rat angaja\u0163ii \u00een acest fel, ei \u00eei vor trata bine pe clien\u0163ii dumneavoastr\u0103, astfel clien\u0163ii se vor \u00eentoarce \u015fi asta este ceea \u00eei face ac\u0163ionarii dumneavoastr\u0103 ferici\u021bi. Deci, nu exist\u0103 niciun conflict \u00eentre aceste grupuri. \u00cen cele din urm\u0103, ac\u0163ionarul pre\u021buie\u0219te valoarea adus\u0103 astfel\u201d. Asta l-a f\u0103cut pe Herb Kelleher s\u0103 aib\u0103 unul dintre cele mai celebre citate \u201cthe bussines of bussines is people, yesterday, today and forever\u201d.<\/p>

Arta evolu\u021biei personale st\u0103 \u00een capacitatea noastr\u0103 social\u0103, iar aceasta st\u0103 \u00een capacitatea noastr\u0103 de cunoa\u015ftere \u015fi \u00een\u021belegere. Un studiu realizat de Gallup relev\u0103 un fapt surprinz\u0103tor, 77% din popula\u0163ia Americii \u00ee\u015fi ur\u0103\u015fte job-ul. De fapt acestora le era greu s\u0103 \u00ee\u015fi \u00een\u0163eleag\u0103 rolul, importan\u0163a \u015fi dificult\u0103\u021bile job-ului lor.<\/p>

\u0218tim cu to\u021bii c\u0103 \u00een ultimii ani, \u00een toat\u0103 lumea, imaginea industriei bancare a fost pus\u0103 sub semnul \u00eentreb\u0103rii. C\u00e2t de tare complic\u0103 asta via\u021ba voastr\u0103 a func\u021bionarilor bancari din front office? Mai ales c\u0103 \u00een orice job nu este important\u0103 doar rela\u021bia cu managerii vo\u0219tri, ci \u015fi percep\u021bia clien\u021bilor vo\u0219tri despre voi.<\/p>

Chiar \u015fi oamenii din front-office cu \u00eendelungat\u0103 experien\u021b\u0103 pot avea o mare dificultate \u00een a \u00eendep\u0103rta ne\u00eencrederea cu care unii clien\u021bi vin c\u0103tre voi \u00eenainte de a v\u0103 cunoa\u0219te. Pentru aceasta este nevoie de o autoevaluare a rolului \u015fi importan\u0163ei activit\u0103\u021bii noastre profesionale. Acest articol nu este ultimul \u00een care voi \u00eencerca s\u0103 aduc pu\u0163in\u0103 lumin\u0103.<\/p>

Patrick Lenciony \u00een best seller-ul sau\u00a0\u201cTrei indicii ale unei slujbe mizerabile\u201d\u00a0 spune c\u0103 un job mizerabil nu este neap\u0103rat un job prost. \u00cen timp ce tu po\u021bi fi nemul\u021bumit de job-ul t\u0103u, altcineva viseaz\u0103 la el. V\u0103 recomand c\u0103lduros aceasta carte vou\u0103, dar \u015fi managerilor, clien\u021bilor \u015fi ac\u021bionarilor vo\u0219tri.<\/p>

Cele trei indicii ale ne\u00eemplinirii profesionale sunt anonimitatea, irelevan\u0163a \u015fi m\u0103surabilitatea. Cum putem evalua cele trei indicii \u00een job-ului vostru de azi, front-office-ul industriei bancare din Rom\u00e2nia?<\/p>

Anonimitatea<\/strong><\/em> Angajatul evalueaz\u0103 nivelul de \u00eencredere, interesul care i se acord\u0103 \u015fi simte nevoia de a \u00eei fi cunoscute dificult\u0103\u021bile \u015fi aspira\u0163iile.<\/p>

Amy Cuddy, cercet\u0103tor \u00een psihologie la Harvard Business School, a studiat mai mult de un deceniu ce st\u0103 \u00een spatele impresiei la prima vedere. Echipa ei a descoperit c\u0103 ne facem o impresie aproape instantanee despre ceilal\u021bi r\u0103spunz\u00e2ndu-ne la dou\u0103 mari \u00eentreb\u0103ri:\u00a0 Pot avea \u00eencredere \u00een aceast\u0103 persoan\u0103? Pot s\u0103 am \u00eencredere \u00een capacit\u0103\u0163ile acestei persoane? Conform studiilor cercet\u0103toarei \u00eentre 80% \u015fi 90% din prima impresie este bazat\u0103\u00a0 pe aceste dou\u0103 \u00eentreb\u0103ri. \u00cen subcon\u0219tient, at\u00e2t tu c\u00e2t \u015fi clientul t\u0103u v\u0103 \u00eentreba\u021bi fiecare, \u201cPot s\u0103 cred c\u0103 aceast\u0103 persoan\u0103 are inten\u021bii bune \u00een ceea ce m\u0103 prive\u0219te?\u201d \u015fi \u201cEste aceast\u0103 persoan\u0103 capabil\u0103?\u201d.<\/p>

De cele mai multe ori consider\u0103m c\u0103 cel mai important factor este competen\u0163a \u015fi avem tendin\u021ba s\u0103 dovedim asta c\u00e2nd \u00eent\u00e2lnim o persoan\u0103. Totu\u0219i, cercetarea arat\u0103 c\u0103 \u00eencrederea este factorul primordial. Dac\u0103 nu e\u0219ti de \u00eencredere tendin\u021ba este s\u0103 fii considerat incompetent. A\u0219a cum Caddy spune \u201cO persoan\u0103 cald\u0103 \u015fi \u00eencrez\u0103toare induce putere \u015fi st\u00e2rne\u0219te admira\u021bie, dar numai dup\u0103 ce \u00eei c\u00e2\u0219tigi \u00eencrederea, puterea ta este considerat\u0103 un dar \u015fi nu o amenin\u021bare\u201d. Noi, cei din b\u0103nci suntem prezenta\u021bi \u00een ultimul timp ca fiind reci, distan\u021bi \u015fi deci, conform lui Caddy, chiar dac\u0103 suntem percepu\u021bi competen\u021bi, aceast\u0103 calitate este considerat\u0103 o amenin\u021bare.<\/p>

\u00cenc\u0103 din antichitate creditorii nu au fost niciodat\u0103 iubi\u021bi, istoria abund\u0103 \u00een astfel de m\u0103rturii. Ast\u0103zi, uneori\u00a0 cel care te \u00eemprumut\u0103 \u015fi \u0163i-a acordat \u00eencrederea sa este decredibilizat, iar astfel, prin repeti\u021bie de pic\u0103tur\u0103 chinezeasc\u0103, se afecteaz\u0103 negativ chiar percep\u021bia clien\u021bilor vo\u0219tri mul\u021bumi\u021bi. Un studiu european din 2011 relev\u0103 din plin acest fapt; \u00eentreba\u021bi dac\u0103 au \u00eencredere \u00een b\u0103nci aproape 90% au r\u0103spuns NU. La \u00eentrebarea dac\u0103 au \u00eencredere \u00een banca lor, peste 90% au r\u0103spuns DA.<\/p>

Avem gre\u0219eli, imperfec\u021biuni? \u00cenv\u0103\u0163\u0103m din ele? Ne putem servi clien\u021bii mai bine? Evident c\u0103 DA. \u00cen afara gre\u0219elilor noastre, inerente prin imperfec\u021biune oric\u0103rei alte industrii, conteaz\u0103 \u015fi faptul c\u0103 unii c\u00e2\u0219tig\u0103 din asta, \u015fi nu pu\u021bin. Am \u00een\u0163eles asta acum mai mul\u021bi ani c\u00e2nd afl\u00e2ndu-m\u0103 \u00eentr-un grup larg de avoca\u021bi \u015fi profesori de drept reputa\u021bi dezb\u0103team despre clauzele abuzive din contractele de credit bancare (b\u0103nci, nu IFN uri). \u00cemi ar\u0103tam surprinderea, un profesionist adev\u0103rat nu este niciodat\u0103 indignat, c\u0103, de\u0219i totalul litigiilor din instan\u021be nu reprezint\u0103 mai mult de 0,3% din totalul creditelor acordate de b\u0103nci, se promoveaz\u0103 insistent ca un fenomen de amploare. R\u0103spunsul a fost imediat, dezinvolt \u015fi dezarmant; \u201cnou\u0103 avoca\u021bilor ni s-au luat divor\u021burile, majoritatea c\u00e2\u0219tigam din asta; este normal s\u0103 g\u0103sim alte litigii din care s\u0103 c\u00e2\u0219tig\u0103m\u201d. Comunicarea este deci tot mai pu\u021bin un instrument despre percep\u021bii, ci unul care face percep\u021bii. Din p\u0103cate, se realizeaz\u0103 prea pu\u021bin care este impactul denatur\u0103rii acestor percep\u021bii la nivelul vostru, oamenii din sucursalele bancare.<\/p>

Chiar la nivel academic se predau oarecum subiectiv teorii despre b\u0103nci. Una este \u201casimetria informa\u021bional\u0103\u201d: aceasta spune c\u0103 o institu\u021bie, o companie, un specialist de\u021bine \u00eentr-o m\u0103sur\u0103 dezechilibrat de mare mai mult\u0103 informa\u021bie dec\u00e2t clientul lor. Acesta ar fi un dezavantaj pentru consumator. \u00cen consecin\u021b\u0103 dac\u0103 vrei s\u0103 c\u0103l\u0103tore\u015fti cu avionul e\u0219ti dezavantajat de faptul c\u0103 pilotul \u0219tie despre zbor lucruri pe care tu nu le \u0219tii. Cum echilibrezi aceast\u0103 rela\u021bie? Atunci c\u00e2nd te urci \u00een avion chemi pilotul la tine \u015fi \u00ee\u021bi elimin\u0103 fobia de zbor explic\u00e2ndu-\u0163i cuno\u0219tin\u021bele sale despre fizic\u0103, aerodinamic\u0103? Faci o revizie a avionului? Cu to\u021bii ne dorim un pilot care s\u0103 \u0219tie infinit mai mult despre fizic\u0103 \u015fi pilotaj dec\u00e2t noi. Cu toate acestea ne punem via\u021ba \u00een m\u00e2inile sale. \u015ei dac\u0103 ar ap\u0103rea \u015fi legi care s\u0103 spun\u0103 care este pre\u021bul maxim pentru un bilet de avion ce se va \u00eent\u00e2mpla? Unii vor jubila, avoca\u021bi, diverse asocia\u021bii, concuren\u0163a. Dar tu, c\u0103l\u0103torule, te vei sim\u021bi mai sigur?<\/p>

Acum ceva ani, s\u0103 lucrezi \u00eentr-o sucursal\u0103 bancar\u0103 st\u00e2rnea invidie. B\u0103ncile lucreaz\u0103 cu bani. Mai mult, lucreaz\u0103 cu banii altora, ai deponen\u021bilor \u015fi ai altor creditori \u00een propor\u021bie de 90% \u015fi cu banii ac\u021bionarului \u00een propor\u021bie de 10%. De aceea voi trebuie s\u0103 v\u0103 \u00eensu\u015fi\u0163i \u00een fiecare lun\u0103 legi, reglement\u0103ri \u015fi norme de sute de pagini, trebuie s\u0103 respecta\u021bi reguli aproape militare, trebuie s\u0103 ave\u021bi o \u021binut\u0103 irepro\u0219abil\u0103, trebuie s\u0103 opera\u021bi cu mai multe sisteme tehnice \u015fi informatice. Face parte din preg\u0103tirea voastr\u0103 s\u0103 administra\u021bi \u015fi situa\u021bii excep\u021bionale precum tentativele de jaf armat. \u00centre timp trebuie s\u0103 servi\u021bi clien\u021bi care v\u0103 privesc uneori cu ne\u00eencredere, alteori cu adversitate \u015fi s\u0103 explica\u021bi elemente de economie, matematic\u0103 actuarial\u0103, de drept contractual, de inginerie digital\u0103 etc. oamenilor obi\u0219nui\u021bi, dar \u015fi patronilor de companii, avoca\u021bilor, profesorilor universitari \u015fi altor elite profesionale.\u00a0 \u00cen aceea\u0219i zi se poate \u00eent\u00e2mpla s\u0103 vi se cear\u0103 s\u0103 aborda\u021bi cu fin\u0103 psihologie un client care \u015fi-a pierdut locul de munc\u0103 \u015fi sper\u0103 s\u0103 g\u0103seasc\u0103 la dumneavoastr\u0103 solu\u021bia de a-\u015fi p\u0103stra casa, chiar dac\u0103 nu mai poate pl\u0103ti. Trebuie s\u0103 \u00eei explica\u021bi c\u0103 iertarea de datorie nu poate fi solu\u021bia, c\u00e2t timp a\u021bi afecta banii celorlal\u021bi clien\u021bi ai b\u0103ncilor, respectiv deponen\u021bii. C\u00e2nd clientul accept\u0103 \u00eei oferi\u021bi timp \u015fi restructura\u021bi cu sau f\u0103r\u0103 reduceri de datorie peste 4% din credite, care al\u0103turi de cele 10% credite neperformante, genereaz\u0103 pierderi pentru sucursala voastr\u0103. La sf\u00e2r\u0219itul zilei verifica\u021bi numerarul, analiza\u021bi c\u00e2te credite noi a\u021bi acordat, c\u00e2te a\u021bi restructurat, c\u00e2te a\u021bi recuperat, dar \u015fi ce consiliere a\u021bi dat, ce pl\u0103\u021bi a\u021bi f\u0103cut, ce schimburi valutare, scrisori de garan\u021bie,\u00a0 cum a\u021bi negociat, etc.?<\/p>

Este evident c\u0103 jobul vostru nu poate fi comparat cu cel al unor simpli v\u00e2nz\u0103tori. De aceea dragi colegi \u00een\u021belegem c\u0103 lucra\u021bi \u00eentr-o sucursal\u0103 bancar\u0103 pentru c\u0103 ave\u021bi aspira\u021bii \u015fi pentru aceasta sunte\u021bi respecta\u021bi.<\/p>

Pentru c\u0103 vou\u0103 peste 10,000,000 de oameni v\u0103 \u00eencredin\u021beaz\u0103 forma suprem\u0103 de \u00eencredere, economiile lor. Este un motiv de m\u00e2ndrie, iar pentru noi nu sunte\u021bi anonimi.<\/p>

Irelevan\u0163a<\/strong><\/em> Angajatul evalueaz\u0103 dac\u0103 pozi\u0163ia sa are contribu\u021bii semnificative \u015fi dac\u0103 are vreo influen\u0163\u0103 sau relevan\u021b\u0103 asupra vie\u0163ii celorlal\u021bi. Oricine simte nevoia s\u0103 \u015ftie c\u0103 munca pe care o depune este valoroas\u0103 \u015fi are un efect benefic asupra cuiva.<\/p>

Ca industrie suntem dezavantaja\u021bi comparativ cu industriile clasice: daca ne compar\u0103m, de exemplu \u00een industria panifica\u021biei, \u00eencrederea este mult mai u\u0219or de c\u00e2\u0219tigat \u015fi de conservat dec\u00e2t \u00een industria bancar\u0103. De ce?<\/p>

Atunci c\u00e2nd cumperi o p\u00e2ine, o pl\u0103te\u0219ti \u00eenainte \u0219i o consumi \u00een ziua respectiv\u0103 sau a doua zi. Clientul este satisf\u0103cut. La banc\u0103 vii \u0219i ob\u021bii creditul, dar \u00eel pl\u0103te\u0219ti \u00een 30 de ani. Satisfac\u021bia consum\u0103rii acelui produs dispare \u00een dreptul industriei bancare. Trebuie s\u0103 explic\u0103m clien\u021bilor no\u0219tri c\u0103 pentru casa cump\u0103rat\u0103 ast\u0103zi pe credit, \u00ee\u015fi reduc consumul de m\u00e2ine. Nu po\u021bi s\u0103 devii proprietarul unei case f\u0103r\u0103 a-\u0163i afecta consumul viitor. Altfel, f\u0103r\u0103 credit, ar trebui poate s\u0103 economise\u0219ti p\u00e2n\u0103 la 70 de ani.\u00a0 De aceea \u0219i avem acea vorb\u0103: \u201dE\u0219ti fericit \u0219i m\u0103 respec\u021bi \u00een momentul \u00een care prime\u0219ti creditul, dar m\u0103 ur\u0103\u0219ti atunci c\u00e2nd \u00eel pl\u0103te\u0219ti\u201d. Astfel, tu care \u00eencasezi rata de credit lunar\u0103, po\u021bi fi perceput de c\u0103tre client ca o amenin\u021bare. Totu\u0219i bancherul i-a asigurat clientului o cas\u0103, iar v\u00e2nz\u0103torului casei posibilitatea de a o vinde. Trebuie s\u0103 explica\u021bi \u00eens\u0103 c\u0103 un credit este pl\u0103tit din veniturile de m\u00e2ine pentru o nevoie de ast\u0103zi.<\/p>

S\u0103 iei un credit pentru a crea locuri de munc\u0103, pentru a-\u0163i cump\u0103ra o cas\u0103, pentru a urma ni\u0219te studii, pentru a se construi o autostrad\u0103, un spital sau un teatru nu este posibil f\u0103r\u0103 b\u0103nci. Pentru noi to\u021bi a asigura \u0219ansa unui t\u00e2n\u0103r de a contracta un credit pentru cas\u0103 poate fi echivalent cu \u00eentemeierea unei familii \u015fi r\u0103m\u00e2nerea \u00een \u0163ar\u0103. Este cale lung\u0103 p\u00e2n\u0103 la percep\u021bia de c\u0103m\u0103tar nu-i a\u0219a?<\/p>

Iar b\u0103ncile nu pot acorda aceste credite f\u0103r\u0103 voi, oamenii din prima linie.<\/p>

M\u0103surabilitatea<\/strong><\/em> Dac\u0103 nu \u0219tii c\u00e2t de important este jobul t\u0103u este posibil s\u0103 te sim\u021bi nesemnificativ \u015fi nu \u0219tii dac\u0103 progresezi.<\/p>

Se consider\u0103 c\u0103 unele meserii nu permit m\u0103surabilitate \u015fi deci nu se poate evalua cum \u015fi la ce contribuie. Fiecare dintre noi ne \u00eentreb\u0103m dac\u0103 suntem importan\u021bi pentru ceilal\u021bi \u015fi \u00een mod natural ne \u00eentreb\u0103m \u015fi c\u00e2t de importan\u021bi. \u00cen aceast\u0103 evaluare e necesar\u0103 \u015fi evaluarea industriei \u00een care lucr\u0103m.<\/p>

\u00cen v\u00e2ltoarea dezbaterilor legislative critice la adresa b\u0103ncilor se promova ideea de a nu se mai lua credite de la b\u0103nci sau dimpotriv\u0103, se repro\u0219a c\u0103 b\u0103ncile finan\u021beaz\u0103 prea pu\u021bin. Se repro\u0219a c\u0103 b\u0103ncile c\u00e2\u0219tig\u0103 prea mult \u00een Rom\u00e2nia sau, dimpotriv\u0103, c\u0103 au avut o neperforman\u0163\u0103 prea mare. \u015ei toate acestea ca o fundamentare pentru legi nemai\u00eent\u00e2lnite niciunde \u00een lume. Cu to\u021bii trebuie s\u0103 \u00een\u021belegem c\u0103 dup\u0103 revolu\u021bie am luat-o pe scurt\u0103tur\u0103 spre capitalism. Vreau s\u0103 spun c\u0103 nu putem ajunge Europa din urm\u0103 economic dac\u0103 nu o ajungem din urm\u0103 \u0219i comportamental, profesional, educa\u021bional, etic \u015fi cultural. \u015ei noi oamenii din b\u0103nci, ca \u0219i ceilal\u021bi, mai avem de recuperat din aceste diferen\u021be.<\/p>

Industria bancar\u0103 din Rom\u00e2nia cumuleaz\u0103 37 de b\u0103nci, toate membre ale ARB. Suntem 56.000 de salaria\u021bi. Cu familiile noastre \u00eenglob\u0103m peste 200.000 de rom\u00e2ni. Singura politic\u0103 pe care o fac b\u0103ncile din Rom\u00e2nia este cea a economiei rom\u00e2ne\u0219ti. Oricine v\u0103 contrazice, spune\u021bi-le c\u0103 cifrele vorbesc.<\/p>

B\u0103ncile din Rom\u00e2nia sunt finan\u021batorul principal al Rom\u00e2niei cu peste 90 % din totalul finan\u021b\u0103rii. Ca pondere din PIB aceast\u0103 finan\u021bare reprezint\u0103 29%. Este mult, este pu\u021bin? Media european\u0103 este de 120%. Activele b\u0103ncilor reprezint\u0103 \u00een Romania 60% din PIB, \u00een timp ce \u00een Europa media este de 360%. Surprinz\u0103tor de mult, nu-i a\u0219a? De asemenea creditele neperformante atingeau v\u00e2rful de 8% \u00een Europa, \u00een timp ce \u00een Rom\u00e2nia tindea spre 23% \u00een 2014. Dac\u0103 accept\u0103m c\u0103 Europa s-a dezvoltat prin credit \u00een\u021belegem c\u0103 Rom\u00e2nia are nevoie mai mult dec\u00e2t oric\u00e2nd de creditare pentru a atinge bun\u0103starea european\u0103. Nicic\u00e2nd, nic\u0103ieri \u00een lume un plan de \u0163ar\u0103 nu func\u021bioneaz\u0103 f\u0103r\u0103 finan\u021barea lui. Principalul finan\u021bator al Rom\u00e2niei este industria bancar\u0103.<\/p>

Deci, comparativ cu Europa, b\u0103ncile din Rom\u00e2nia au un volum de creditare (pia\u021ba) de 4 ori mai mic (credite din PIB \u2013 29%), au pl\u0103tit un pre\u021b de 3 ori mai mare (neperforman\u0163a \u2013 23%), f\u0103r\u0103 a primi sau solicita nici un sprijin public, aduc\u00e2nd capitaluri suplimentare de 2,2 miliarde de euro. Ac\u021bionarii b\u0103ncilor din Rom\u00e2nia au p\u0103strat o investi\u021bie medie (capitalizare) peste 6 miliarde de euro \u00een ultimii 10 ani. Rezultatul a fost un randament al investi\u021biilor de 3,12% (cu mult sub cel european). Exist\u0103 o alt\u0103 industrie din Rom\u00e2nia care a investit a\u0219a de mult pentru un astfel de rezultat? De aceea r\u0103spundem la afirma\u021bia \u201cb\u0103ncile din Rom\u00e2nia c\u00e2\u0219tig\u0103 prea mult\u201d cu: \u00een perioada 2010-2014 am avut pierdere din nerambursarea creditelor de aproximativ 1,8 miliarde de euro.<\/p>

\u00cen sucursalele b\u0103ncilor lucra\u021bi aproximativ 36.000 de oameni. Voi c\u00e2\u0219tiga\u021bi \u00eencrederea a peste 10 milioane de deponen\u021bi care depun economiile lor \u00een b\u0103nci, peste 271 miliarde de lei. Datorita vou\u0103 este posibil s\u0103 \u00eemprumuta\u021bi milioane de debitori \u015fi sute de mii de companii cu peste 218 miliarde de lei.<\/p>

Un lucru \u0219tim sigur: jobul vostru, al celor 36.000 de colegi din cele 4.937 de sucursale, este determinant pentru economia Rom\u00e2niei \u015fi bun\u0103starea rom\u00e2nilor. Pentru toate acestea, respect.<\/p><\/div><\/div>

Sursa: <\/em>http:\/\/www.bankingnews.ro\/mesaj-florin-danescu-arb.html<\/a><\/p><\/article><\/div><\/div>\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":"

Florin D\u0103nescu, Pre\u0219edinte Executiv, ARB<\/p>","protected":false},"author":3,"featured_media":3014534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-6543","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nCe mesaj le transmite Florin D\u0103nescu, Pre\u0219edintele Executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, angaja\u021bilor din front office - Revista Bankingnews - 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\/ce-mesaj-le-transmite-florin-danescu-presedintele-executiv-al-asociatiei-romane-bancilor-angajatilor-din-front-office\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce mesaj le transmite Florin D\u0103nescu, Pre\u0219edintele Executiv al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, angaja\u021bilor din front office - 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