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B?ncile dau cu o man? ?i iau cu trei

B?ncile dau cu o man? ?i iau cu trei

Institu?iile de credit percep la imprumuturi dobanzi de trei ori mai mari fa?? de cele oferite la depozite. In ultima perioad?, b?ncile se laud? cu bonifica?ii tot mai mari la depozite. Acestea uit? ins? s? anun?e ?i costurile in cre?tere ale creditelor.

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Nivelul actual al dobanzilor a devenit

prohibitiv pentru mul?i clien?i care vor un credit. Este normal ca b?ncile s?

perceap? pentru creditele acordate dobanzi mai mari decat pentru cele oferite

la depozite, ins?, in ultima vreme, marjele (diferen?ele intre cele dou?

dobanzi) au crescut foarte mult. In unele cazuri, dobanda la imprumuturile in lei

este de peste trei ori mai mare fa?? de bonifica?ia la economii.

 

Acest lucru a fost sesizat ?i de

reprezentan?ii b?ncii centrale care spun c? b?ncile i?i justific? majorarea

marjelor prin schimbarea condi?iilor din pia??.

 

 „B?ncile spun c? s-au schimbat condi?iile

pie?ei ?i m? intreb care sunt acele condi?ii care s-au schimbat atat de mult,

incat s? permit? o astfel de marj?”, a afirmat recent Adrian Vasilescu,

consilierul guvernatorului B?ncii Na?ionale a Romaniei (BNR).

 

Dobanzi de peste 30% la credite

 

Astfel, pentru a sesiza concret aceste

diferen?e am luat in calcul bonifica?iile oferite de b?nci popula?iei pentru

depozitele in lei constituite pe un an ?i dobanzile anuale efective (DAE -

dobanda la care se adaug? comisioanele) percepute de acestea la creditele de

nevoi personale cu sau f?r? ipotec? (mai exact, pentru o sum? de 20.000 lei, pe

5 ani).

 

Nu au fost luate in calcul costurile

creditelor in lei pentru locuin?e intrucat acestea reprezint? inc? o pondere

foarte sc?zut? (sub 15%) in totalul imprumuturilor cu ipotec?.

 

Astfel, am observat c? sunt b?nci pentru

care marja intre dobanda activ? (credit) ?i cea pasiv? (depozit) se ridic?

chiar la peste 20 de puncte procentuale. In aceast? categorie se inscriu

Bancpost, Piraeus Bank ?i Raiffeisen Bank.

 

La Bancpost, depozitul in lei constituit pe

un an se bonific? cu 10,5%, in timp ce creditele de nevoi personale sunt

oferite la o doband? anual? efectiv? de 35,45%, potrivit portalului financiar

Conso.ro. La Piraeus Bank, marja intre cele dou? dobanzi ajunge la 24,9 puncte

procentuale, iar la Raiffeisen Bank aceasta se situeaz? intre 11,95 ?i 22,55

puncte procentuale.

 

Urm?toarele dou? pozi?ii in topul celor mai

mari diferen?e intre dobanzile active ?i cele pasive sunt ocupate de Banca

Transilvania ?i OTP Bank, cu valori ale marjelor de peste 18 puncte

procentuale.

 

La polul opus se afl? institu?ii a c?ror

marj? se situeaz? intre 4 ?i 10 puncte procentuale. Printre acestea se num?r?

MKB Romexterra Bank (6,46 pp), Millennium Bank (9,75 pp) ?i Volksbank (3,70 –

10,55 pp).

 

Marje similare ?i la euro

 

In cazul dobanzilor practicate la

depozitele ?i creditele in euro, lucrurile stau la fel. Diferen?a dintre cele

dou? dobanzi sare de 20 de puncte procentuale, ins?, ca valoare, costul unui

imprumut in euro poate dep??i chiar de peste cinci ori dobanda la depozite.

 

Cum se prezint? practic situa?ia?

 

S? presupunem c? institu?ia de credit

atrage de la clientul X un depozit in lei pe un an in valoare de 5.000 lei,

promi?and o doband? de 12%.

 

Cu banii din depozit, ofer? clientului Y un

imprumut, tot pe un an, la o doband? mult mai mare, de 34%.

 

La scaden?a celor dou? produse, institu?ia

de credit incaseaz? o doband? net? de 1.428 lei in contul imprumutului oferit

oferit, dar achit? 600 de lei doband? la depozitul ajuns la scaden??.

 

A?adar, efectuand un simplu calcul,

constat?m c? banca are un beneficiu efectiv in valoare de 828 lei.

 

Topul celor mai mari marje intre dobanda la

credite ?i cea la depozite (puncte procentuale)

 

Banca   

Marja

Bancpost   

24.95

Piraeus Bank    19,75 - 24,90

Raiffeisen Bank    11,95 - 22,55

Banca Transilvania    13,70 - 18,65

OTP Bank   

7,29 - 18,20

 

Topul celor mai mici marje intre dobanda la

credite ?i cea la depozite (puncte procentuale)

 

Banca   

Marja

MKB Romexterra Bank    6.46

Millennium Bank    9.75

Volksbank   

3,70 - 10,55

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