Finante-Banci
OTP Bank: Leul puternic duce la scaderea cererii pentru credite in moneda nationala
OTP Bank Romania a primit in ultimul timp foarte putine solicitari pentru credite in lei de la persoane fizice, tocmai pentru ca intarirea leului si stabilitatea din ultimul timp a cursului valutar nu mai justifica cererea pentru acest produs mai scump decat cel in euro, a spus Catalin Cretu, director retail si canale de distributie in cadrul OTP Bank Romania.
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Creditarea in lei este mai cautata pe segmentul de retail de regula cand exista fluctuatii valutare mari, ceea ce nu s-a mai intamplat in ultimul timp, a mai spus el.
Cretu a mentionat insa ca in cazul IMM-urilor si companiilor, cererile pentru credite in lei (atat linii de credit cat si imprumuturi de investitii) sunt egale ca numar cu cele pentru credite in euro.
Diferenta dintre comportamentul segmentului retail si cel corporate poate fi explicata de faptul ca intreprinderile au conditii privilegiate de finantare din partea bancilor, beneficiind de dobanzi negociate, astfel ca apeleaza mai des si la creditarea in lei.
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