BANCI | Analiza

Bancile romanesti au vandut recuperatorilor credite neperformante de 5 miliarde de euro

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2017-03-01 15:09

Se stie ca bancile romanesti au cele mai multe credite neperformante comparativ cu bancile din alte tari vecine, precum Ungaria sau Polonia, astfel ca ele sunt campioane si la vanzarea acestora catre firmele de recuperare creante (recuperatorilor).

Bancile romanesti au scos la vanzare credite neperformante in valoare de cinci miliarde euro in perioada 2015-2016, un nivel substantial mai ridicat decat in tarile vecine: 3,2 miliarde euro in Ungaria, 2,2 miliarde euro in Croatia, 1,5 miliarde euro in Slovenia, 1,4 miliarde euro in Polonia si doar 0,5 miliarde euro in Bulgaria, arata un studiu Deloitte.

In 2016, valoarea tranzactiilor de credite neperformante (NPL) a fost de 1,4 miliarde euro, mai mic decat in 2015, de 2,1 miliarde euro, insa tranzactii de inca 1,5 miliarde euro sunt in faza de negociere.

Pretul mediul de vanzare a neperformantelor este de 11% din valoarea acestora, in timp ce firmele de recuperare creante reusesc sa recupereze in medie 35% in datoriile clientilor bancilor.

Volumul total al NPL din Romania se ridica la 37,7 miliarde lei la finalul lui 2015, cele mai multe fiind detinute de BCR (1,7 miliarde euro), BRD (1,1 miliarde euro), Banca Transilvania (617 milioane euro), Unicredit (626 milioane euro), CEC Bank (519 milioane euro), Alpha Bank (458 milioane euro), Raiffeisen (300 milioane euro).

Valoarea totala a sumelor restante (majoritatea fiind credite neperformante), a scazut in decembrie 2016 la 25,2 miliarde lei, de la 31,4 miliarde lei in decembrie 2015, conform Centralei Riscului de Credit (CRC), care contabilizeaza credite de peste 20.000 de lei, reprezentand peste 91% din totalul creditelor. (vezi aici detalii)

Taguri: UniCredit Bank  banci  BRD  Raiffeisen Bank  Banca Transilvania  Banca Comerciala Romana (BCR)  BCR  Alpha Bank  CEC Bank  recuperare creante  credite neperformante  


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