Finante-Banci
Dezastru bancar in Romania: Suntem printre statele cu cea mai mare rata a creditelor neperformante din Europa!
Banca Nationala a Romaniei a lansat Raportul Anual pe anul 2012, unde face o radiografie foarte precisa si completa asupra sistemului bancar romanesc actual. Indicatorul de solvabilitate pe intreg sistemul bancar a inregistrat valori superioare cerintei minime reglementate (14,9 la suta la sfarsitul anului 2012 fata de minimul de 8 la suta).
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Desi a inregistrat o usoara crestere a activitatii, sistemul bancar a resimtit din plin efectele crizei internationale, iar principalii indicatori de cuantificare a riscului de credit au consemnat o inrautatire; astfel, rata riscului de credit a crescut pana la 29,9 la suta (de la 23,3 la suta la finele lunii decembrie 2011).
Deteriorarea acestui indicator s-a datorat indeosebi constrangerilor asupra situatiei financiare a clientilor, in contextul unei cresteri economice modeste. De asemenea, rata creditelor neperformante – principalul indicator de evaluare a calitatii portofoliilor de credite, din perspectiva prudentiala – a continuat sa creasca, de la 14,3 la suta (31 decembrie 2011) la 18,2 la suta (31 decembrie 2012), scrie Capital.ro
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