{"id":7472,"date":"2018-02-07T17:43:11","date_gmt":"2018-02-07T15:43:11","guid":{"rendered":"https:\/\/www.arb.ro\/plusuri-si-provocari-banking\/"},"modified":"2024-01-20T14:01:13","modified_gmt":"2024-01-20T12:01:13","slug":"plusuri-si-provocari-banking","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/plusuri-si-provocari-banking\/","title":{"rendered":"Plusuri \u0219i provoc\u0103ri \u00een banking - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7472\" class=\"elementor elementor-7472\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4faa0a7b e-flex e-con-boxed e-con e-parent\" data-id=\"4faa0a7b\" 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-73e9cb00 elementor-widget elementor-widget-text-editor\" data-id=\"73e9cb00\" 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;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-7470 alignleft\" src=\"https:\/\/new.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB.jpg\" alt=\"\" width=\"600\" height=\"574\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB.jpg 600w, https:\/\/www.arb.ro\/wp-content\/uploads\/GabrielaFolcutARB-300x287.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p><p style=\"text-align: justify;\">Sistemul bancar a \u00eenregistrat o evolu\u021bie pozitiv\u0103 pe parcursul anului 2017 generat\u0103 \u00een principal de evolu\u021bia pozitiv\u0103 a economiei. Dezvoltarea sistemului bancar rom\u00e2nesc are fundamente solide. Indicatorul de solvabilitate, care se situa la 19% la finele primelor nou\u0103 luni din 2017 \u0219i indicatorul de lichiditate ime\u00addiat\u0103 de 38%, plaseaz\u0103 sistemul bancar din Ro\u00adm\u00e2\u00adnia pe primele locuri \u00een Uniunea European\u0103 din punct de vedere al capitaliz\u0103rii si lichidit\u0103\u021bii. \u00cen urma eforturilor constante depuse de sistemul bancar, rata creditelor neperformante a cobor\u00e2t de la pragul de alert\u0103, la pragul de semnal. Rata creditelor neperformante a sc\u0103zut la 7,31% la finele lunii noiembrie 2017 cu un grad de acoperire a provizioanelor care se pare c\u0103 la ora actual\u0103 este cel mai mare din Europa (59,4%). Nivelul \u0163intit al ratei creditelor neperformante de 6% consider\u0103m c\u0103 poate fi atins prin m\u0103surile adoptate de b\u0103nci probabil \u00een prima parte a anului 2018.<\/p><p style=\"text-align: justify;\">Pe parcursul primelor nou\u0103 luni, s-a \u00eenre\u00adgistrat o \u00eembun\u0103t\u0103\u021bire constant\u0103 a indicatorilor de rentabilitate. Aceast\u0103 evolu\u021bie se bazeaz\u0103 pe reducerea semnificativ\u0103 a costului riscului. Rentabilitatea activelor sectorului bancar a ajuns la 1,36% \u00een timp ce rentabilitatea capi\u00adtalului este de 12,90%. Rom\u00e2nia se situeaz\u0103 printre \u0163\u0103rile cu un nivel mare al profitabilit\u0103\u0163ii \u00een r\u00e2ndul \u021b\u0103rilor din regiune dup\u0103 Cehia, Bul\u00adgaria, Ungaria, nefiind \u00eens\u0103 cea mai profitabil\u0103, a\u015fa cum s-a afirmat \u00een spa\u021biul public. Aici subliniez dou\u0103 aspecte: necesitatea de a analiza un indicator pe un orizont mai mare de timp \u0219i diferen\u021ba \u00eentre profitul contabil \u0219i rezultatul fiscal. Profitabilitatea nu trebuie analizat\u0103 doar la un moment dat, ci trebuie s\u0103 avem \u00een vedere intervale de timp mai lungi. C\u00e2nd analiz\u0103m pe intervale mari de timp, spre exemplu pe ultimii 10 ani, profitabilitatea medie anual\u0103 a sistemului bancar din Rom\u00e2nia a fost de 0,3% ca rentabilitate a activelor \u0219i 3,2% ca rentabilitate a capitalului. O astfel de analiz\u0103 arat\u0103 c\u0103 Rom\u00e2nia nu este deloc frunta\u0219\u0103 \u00een r\u00e2ndul statelor europene din punctul de vedere al profitabilit\u0103\u021bii. Al doilea aspect este legat de distinc\u021bia clar\u0103 ce trebuie f\u0103cut\u0103 \u00eentre profitul contabil \u0219i rezultatul fiscal.<\/p><p style=\"text-align: justify;\">Studii realizate de consultan\u021bi reputa\u021bi arat\u0103 c\u0103 majoritatea statelor membre UE permite utilizarea pierderilor fiscale din anii anteriori \u00een vederea compens\u0103rii viito\u00adarelor profituri, cu excep\u021bia Estoniei, care dato\u00adrit\u0103 modului \u00een care aplic\u0103 impozitul pe profit nu poate utiliza pierderile din trecut. Sunt 14 \u021b\u0103ri din Uniunea European\u0103 \u00een care se asigur\u0103 recuperabilitatea (pierderilor din profiturile viitoare) nelimitat\u0103 la timp: Austria, Belgia, Danemarca, Germania, Fran\u021ba, Italia, Irlanda, Letonia, Lituania, Malta, Slovenia, Spania, Suedia, Marea Britanie. \u00cen Luxemburg se permite recuperabilitatea pe un termen de 17 ani, 10 ani \u00een Finlanda, 9 ani \u00een Olanda \u0219i 7 ani \u00een Rom\u00e2nia. Astfel, dac\u0103 o banc\u0103 sau o companie \u00eenregistreaz\u0103 pierderi \u00een anii anteriori, profitul viitor le acoper\u0103. Acesta este motivul pentru care, de\u0219i au \u00eenregistrat profit contabil, nu s-a v\u0103zut \u0219i \u00een rezultatul fiscal. \u00cen perioada de criz\u0103, sistemul bancar a absorbit la r\u00e2ndul s\u0103u pierderile din economie. \u0218tim cu to\u021bii c\u0103 rezultatele financiare ale sistemului bancar din ultimii ani au fost influen\u021bate de efectele crizei economice, de m\u0103surile impuse pentru \u00eent\u0103\u00adrirea rezilien\u021bei sectorului, de reducerea ris\u00adcului de credit prin acoperirea creditelor neperformante cu provizioane, de reducerea dob\u00e2n\u00adzilor \u0219i de schimbarea modului de calcul prin conversia la IFRS \u00eencep\u00e2nd cu anul 2012. Multe b\u0103nci au acoperit deja pierderile fiscale \u0219i o s\u0103 vedem \u0219i raport\u0103ri de impozit pe profit.<\/p><p style=\"text-align: justify;\">S\u0103 nu ne mire \u00eens\u0103 c\u0103 b\u0103ncile au profit fiscal acum. Performan\u021ba pozitiv\u0103 \u00een zona de profi\u00adtabilitate a fost \u00eenso\u021bit\u0103 \u0219i de accelerarea cre\u00addit\u0103rii. Avansul soldului creditului neguver\u00adnamental a fost de 6,8% \u00een luna noiembrie 2017, cu toate c\u0103 procesul de optimizare a calit\u0103\u021bii portofoliului de active a continuat. Soldul creditului neguvernamental a revenit la 51 miliarde de euro, nivel \u00eenregistrat la \u00eence\u00adputul crizei, \u00een ciuda faptului c\u0103 \u00eentre timp am asistat la ramburs\u0103ri totale, ramburs\u0103ri de principal, v\u00e2nzarea creditelor neperformante integral provizionate, etc. Pentru anul 2018 exist\u0103 semnale care creeaz\u0103 a\u0219tept\u0103ri pozitive. Este de a\u0219teptat ca sistemul bancar rom\u00e2nesc s\u0103-\u0219i men\u021bin\u0103 soliditatea \u0219i s\u0103 \u00eendeplineasc\u0103 cu succes mandatul de finan\u021bator al economiei rom\u00e2ne\u0219ti. Creditul neguvernamental este estimat s\u0103 \u00eenregistreze un avans similar ca \u00een 2017, iar institu\u021biile de credit vor pune accent pe cre\u00additarea companiilor. Din punct de vedere legislativ\/ regle\u00admentativ, anul 2018 aduce pentru sistemul bancar o serie de provoc\u0103ri \u0219i aici putem enu\u00admera implementarea IFRS 9, aplicarea legii 258\/2017 privind contul de pl\u0103\u021bi de baz\u0103, trans\u00adpunerea directivei PSD2, aplicarea Regula\u00admentului 679\/2016 privind protec\u021bia persoa\u00adnelor fizice \u00een ceea ce prive\u0219te prelucrarea datelor cu caracter personal (GDPR), Legea 151\/2015 privind procedura insolven\u021bei per\u00adsoa\u00adnelor fizice, transpunerea Directivei a 4 AML, testul AQR \u0219i unele ini\u021biative legislative locale care nu sunt \u00een linie cu principiile eco\u00adnomice. Ca principal risc la nivelul stabilit\u0103\u021bii financiare a\u0219 eviden\u021bia schimb\u0103rile legislative care nu sunt \u00een concordan\u021b\u0103 cu dreptul european. Privind \u00een perspectiv\u0103, provoc\u0103rile care pot s\u0103 apar\u0103 la nivelul sistemului bancar sunt legate de evolu\u021bia dob\u00e2nzilor aflate p\u00e2n\u0103 de cur\u00e2nd la minime istorice.<\/p><p style=\"text-align: justify;\">Elementul particular al anului trecut este reversarea de trend de dob\u00e2nd\u0103 de baz\u0103, adic\u0103 cre\u0219terea ROBOR, dup\u0103 o perioad\u0103 de \u0219apte ani \u00een care s-a aflat \u00een sc\u0103dere. Nivelul actual al ROBOR este similar cu cel \u00eenregistrat pe parcursul anului 2014, de aproximativ 2%. Cum ROBOR este un indice de referin\u021b\u0103 variabil, astfel de mi\u0219c\u0103ri erau de a\u0219teptat, mai ales c\u0103 acesta s-a plasat la minim istoric \u0219i avea o cale de evolu\u021bie previzibil\u0103: cea de cre\u0219tere. Graficul al\u0103turat arat\u0103 evolu\u021bia \u00een timp a indicelui ROBOR, perioada analizat\u0103 fiind \u00eentre anii 2000 \u0219i \u00eenceputul anului 2018. \u00cen anul 2000, indicele ROBOR la 3 luni (utilizat \u00een contractele de credit \u00een lei) era de 86% \u0219i a \u00eenregistrat o sc\u0103dere p\u00e2n\u0103 la 6% \u00een 2005. \u00cen 2008, pe fondul crizei de lichidit\u0103\u021bi, ROBOR la 3 luni a fost cotat, chiar dac\u0103 doar pentru o zi, la 49,81%, trendul fiind ulterior de sc\u0103dere. \u00cen 2014, ROBOR la 3 luni a cobor\u00e2t sub 2% \u0219i s-a redus treptat p\u00e2n\u0103 a atins minimul istoric.<\/p><p style=\"text-align: justify;\">\u00cen contextul \u00een care \u00een anul 2017 am asistat la schimbarea de trend \u00een ceea ce prive\u0219te evolu\u021bia dob\u00e2nzilor, este normal s\u0103 analiz\u0103m posibilitatea utiliz\u0103rii mai largi a dob\u00e2nzilor fixe \u00een activitatea de creditare a persoanelor fizice. Astfel, consumatorii ar putea fi proteja\u021bi suplimentar de riscul de varia\u021bie a ratei dob\u00e2nzii prin crearea unor mecanisme de natur\u0103 s\u0103 permit\u0103 stimularea mai ampl\u0103 a \u00eemprumuturilor cu dob\u00e2nda fix\u0103. Dob\u00e2nzile la care b\u0103ncile rom\u00e2ne\u015fti se \u00eem\u00adpru\u00admut\u0103 \u00eentre ele \u00een lei sunt formate pe baza cererii \u015fi a ofertei, prin urmare evolu\u0163ia lor este influen\u0163at\u0103 de o multitudine de factori, at\u00e2t interni, care \u0163in de fundamentele economice sau conjuncturali, c\u00e2t \u015fi externi. Perspectivele de continuare a cre\u015fterii do\u00adb\u00e2nzilor se me\u0163in, \u00een condi\u021biile \u00een care prog\u00adnoza de infla\u021bie a BNR pentru 2018 este de 3,2%, cu efecte asupra dob\u00e2nzilor variabile la cre\u00additele \u020bn moned\u0103 na\u0163ional\u0103, ceea ce se va reflecta, implicit, \u020bn majorarea ratelor de ram\u00adbursat pentru aceste \u020bmprumuturi. Am asistat deja la cre\u0219terea dob\u00e2nzii de politic\u0103 monetar\u0103, date fiind presiunile infla\u021bioniste, la 2,25%%. De altfel, cre\u0219terea dob\u00e2nzilor este \u00een tendin\u021be la nivel interna\u021bional, iar Rom\u00e2nia nu poate face not\u0103 discordant\u0103. Accelerarea rit\u00admului de majorare a ratelor dob\u00e2nzilor poate fi determinat\u0103 \u0219i de factori conjuncturali, precum retragerea din pia\u0163\u0103 a unor sume semnificative cum ar fi o colectare mai bun\u0103 a impozitelor \u0219i \u020bncasarea \u020bn avans a dividendelor de la companiile \u020bn care statul este ac\u0163ionar. Similar oric\u0103rei pie\u0163e \u020bn care oferta scade, reducerea lichidit\u0103\u0163ii din pia\u0163a interbancar\u0103 determin\u0103 o cre\u015ftere a pre\u0163ului, respectiv a ratelor ROBOR, \u020bn acest caz.<\/p><p style=\"text-align: justify;\">ARB a emis recomand\u0103ri cu privire la riscurile asociate contract\u0103rii de credite \u020bn perioade \u020bn care indicele ROBOR se afla la minime istorice \u015fi \u015fi-a exprimat punctul de vedere, \u00eenc\u0103 din anul 2008, referitor la riscurile generate de stabilirea ROBOR drept rat\u0103 de referin\u0163\u0103 pentru contractele de credit, din cauza volatilit\u0103\u0163ii acestui indice. Este important ca stakeholderii sistemului bancar \u0219i factorii decizionali s\u0103 fie deschi\u0219i la un dialog constructiv cu industria bancar\u0103, av\u00e2nd \u00een vedere rolul sectorului \u00een economie, \u0219i s\u0103 adopte m\u0103suri pentru men\u021binerea stabilit\u0103\u021bii sistemului \u0219i pentru cre\u0219terea intermedierii financiare necesare dezvolt\u0103rii economice a Rom\u00e2niei.<\/p><p><em>sursa<\/em>:\u00a0<a href=\"http:\/\/www.piatafinanciara.ro\/plusuri-si-provocari-banking\/\" target=\"_blank\" rel=\"noopener noreferrer\">http:\/\/www.piatafinanciara.ro\/plusuri-si-provocari-banking\/<\/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":"<p>Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor<\/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-7472","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 - 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