{"id":1839,"date":"2025-09-23T15:24:24","date_gmt":"2025-09-23T12:24:24","guid":{"rendered":"https:\/\/voceamoldovei.org\/?p=1839"},"modified":"2025-09-23T15:24:26","modified_gmt":"2025-09-23T12:24:26","slug":"v-moldove-slishkom-mnogo-bankov-i-oni-neeffektivny","status":"publish","type":"post","link":"https:\/\/voceamoldovei.org\/md\/v-moldove-slishkom-mnogo-bankov-i-oni-neeffektivny\/","title":{"rendered":"Stima\u021bi cititori"},"content":{"rendered":"<p>La fiecare dintre cele 10 b\u0103nci existente din Moldova revin 315 mii de locuitori, \u00een timp ce \u00een Rom\u00e2nia, de exemplu, fiecare dintre cele 20 de b\u0103nci existente deserve\u0219te \u00een medie 900 de mii de persoane.<\/p>\n\n\n\n<p>Aceste date sunt cuprinse \u00een studiul \u201eCEE Banks Sector Review 2025\u201d realizat de compania de consultan\u021b\u0103 Dr. Strauss &amp; Partners.&nbsp;<\/p>\n\n\n\n<p>Anali\u0219tii au analizat principalii indicatori financiari ai sectorului bancar din 13 \u021b\u0103ri emergente din Europa Central\u0103, de Est \u0219i de Sud-Est pentru anul 2024 \u0219i au f\u0103cut o serie de compara\u021bii interesante. Rentabilitatea medie a capitalului propriu (ROE) pentru toate b\u0103ncile din regiune este estimat\u0103 la 15,9%, dar \u00een timp ce \u00een Kosovo, Muntenegru \u0219i Lituania acest indicator este cel mai ridicat, Moldova \u0219i Rom\u00e2nia se num\u0103r\u0103 printre cele care se claseaz\u0103 pe ultimele locuri, relateaz\u0103 Logos Press.<\/p>\n\n\n\n<p>Rentabilitatea profitului net: \u00een medie aproximativ 40% (Bulgaria, Macedonia de Nord \u0219i Croa\u021bia dep\u0103\u0219esc celelalte \u021b\u0103ri; Rom\u00e2nia \u0219i Lituania se situeaz\u0103 mai jos).&nbsp;<\/p>\n\n\n\n<p>Raportul cheltuieli-venituri: 46,3% (Bulgaria, Croa\u021bia, Estonia \u2014 \u021b\u0103rile cu cea mai mare eficien\u021b\u0103; Lituania, Albania, Moldova, Rom\u00e2nia \u2013 peste 50%). Anul trecut \u00een Moldova, creditele au crescut cu 15% \u2013 acesta este unul dintre cele mai bune rezultate, mai mult doar \u00een Bulgaria \u2013 16%. Media pentru cele 13 state \u2013 11,2%. Totu\u0219i, rata medie a dob\u00e2nzii la credite la noi este prea mare \u2013 11-12%. \u0218i b\u0103ncile noastre au cele mai mari cheltuieli opera\u021bionale \u2013 3,2%.<\/p>\n\n\n\n<p>Pentru compara\u021bie, \u00een Bulgaria \u0219i Croa\u021bia \u2013 c\u00e2te 1,5%, \u00een Rom\u00e2nia \u2013 2,1%. Media regiunii \u2013 2,02%. \u00cen Moldova, 65% din toate cheltuielile b\u0103ncilor sunt alocate pentru personal \u2013 acesta este un record \u00eentre cele 13 \u021b\u0103ri. Media este de 44%.&nbsp;<\/p>\n\n\n\n<p>\u00cen general, sectorul bancar al \u021b\u0103rilor din Europa Central\u0103, de Est \u0219i de Sud-Est reprezint\u0103 active \u00een valoare de 605 de miliarde de euro, acoperind aproximativ 180 de b\u0103nci din 13 \u021b\u0103ri, gener\u00e2nd un profit net de aproximativ 10,5 miliarde de euro (anul 2024). Sectorul se apropie de o faz\u0103 de platou \u00een ceea ce prive\u0219te performan\u021bele, dup\u0103 mul\u021bi ani de cre\u0219tere excep\u021bional\u0103, determinat\u0103 de contextul favorabil al ratelor dob\u00e2nzilor \u0219i de pierderile istoric sc\u0103zute la credite.&nbsp;<\/p>\n\n\n\n<p>Exist\u0103 o probabilitate mare (re\u00eentoarcerii) \u00eentr-o perioad\u0103 de stagnare sau de sc\u0103dere a profiturilor, ceea ce necesit\u0103 preg\u0103tire strategic\u0103 imediat\u0103 \u0219i optimizarea activit\u0103\u021bii opera\u021bionale, concluzioneaz\u0103 anali\u0219tii agen\u021biei de consultan\u021b\u0103.<br><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041d\u0430 \u043a\u0430\u0436\u0434\u044b\u0439 \u0438\u0437 10 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u0432 \u041c\u043e\u043b\u0434\u043e\u0432\u0435 \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0441\u044f 315 \u0442\u044b\u0441. \u0436\u0438\u0442\u0435\u043b\u0435\u0439, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u0432 \u0420\u0443\u043c\u044b\u043d\u0438\u0438, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043a\u0430\u0436\u0434\u044b\u0439 \u0438\u0437 20 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u0435\u0442 \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c 900 \u0442\u044b\u0441. \u0447\u0435\u043b\u043e\u0432\u0435\u043a. \u042d\u0442\u0438 \u0434\u0430\u043d\u043d\u044b\u0435 \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u0442\u0441\u044f \u0432 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0438 CEE Banks Sector Review 2025 \u043e\u0442 \u043a\u043e\u043d\u0441\u0430\u043b\u0442\u0438\u043d\u0433\u043e\u0432\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 Dr. Strauss&amp;Partners.&nbsp; \u0410\u043d\u0430\u043b\u0438\u0442\u0438\u043a\u0438 \u043f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043b\u0438 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0430 \u043f\u043e 13 \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u044e\u0449\u0438\u043c\u0441\u044f [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[],"class_list":["post-1839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-from-moldova"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - 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