The first day of the biggest event in the banking field and the insurance sector, who brought together the heads of the most important banks in the market, but also important actors of the financial area
♦ So far, the investments have been in the public sector, especially the large infrastructure, now the ball is in the field of the private sector and must start the investment plans ♦ Who is positioned correctly will have 10-15 years of growth ♦ We need regional players, on the banking side, energy, retail so as not to be blocked in the «school yard». Banks still have a lot of liquidity, a lot of capital, even far above the minimum legal requirements, and the appetite still exists. Companies can also be assisted by the Investment and Development Bank, which can come up with guarantees, and the starting point is good. Now, if there is an appetite, the private sector no longer has to wait, it is time to invest because investment plans can help balance things, but they must be on longer cycles. Who will be positioned correctly from now on will have 10-15 years of growth, are just a few of the conclusions from the discussions that took place on the first day of the ZF Bankers Summit 2025 conference. «This indicator we look at, corporate loans on GDP, is not necessarily relevant because we compare ourselves with Hungary. Banks, except for Romania. Champions League, we like here because we receive 7.5% at bonds, «said Cristian Sporiş, Corporate vice president, Raiffeisen Bank. He also added that the need for lending will appear very quickly when we have a stable government, which will come up with fiscal consolidation measures. «So far the state has put liquidity in the market through the deficits we have seen. At the moment it will attract the liquidity of the market by reducing the deficit. Then, the private sector, the banks, are called to issue, to put liquidity in the market, to give credits for the cash flow of companies will have problems, because the state will be solved. It is replaced by this need, «says Cristian Sporiş. As for Omer Tetik, CEO, Banca Transilvania, he explained that the interest is big, but at the same time there are many imbalances. «Banks, our competitors, we, we give real estate credits for 20-25 years, at interest of 4.7%, 4.8%, 4.9%, the government securities are at 7.5%, the deposits are at 5.5%. Somehow, everything you have learned in banking or economy or management schools. Bancasurance, current account, cards, so it is a profitable product with such low interest. «There is clearly a decoupling between the banking system and the economy,» said Matei Kubinschi, deputy director, the Directorate of Financial Stability in the NBR, adding that we see good levels of capitalization and liquidity at the banking system, but Romania is at the tail of Europe from the point of view of financial intermediation. «Banks have to find that optimal between lending the real economy and over -taking risks,» he said. From the perspective of Matei Kubinschi, deputy director, the Directorate of Financial Stability, the NBR, argues that in general all banks complied with the BNR recommendations to withhold 50% of last year's profit, and the evolution of capital is a natural one. «In general, all banks complied with our recommendations to retain 50% of last year's profit. The evolution of capital is also a natural one given by the evolution of assets and capital as separate elements from the balance sheet.» If we look at the rest of the indicators, the profitability is kept at a very good level. «» We have a slight increase in the cost indicator. We had reached a very good level in 2023, in the green area, but it was easily damaged because we have the impact of increasing the personnel expenses that became quite important and we also have the impact of the tax on the turnover and the tax on Administrative on the tax and tax component.
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