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consum, in special cele in devize (doritorii sunt
obligati sa prevada garantii acoperitoare de cel
putin 133 la suta din finantarea totala; durata
creditului nu trebuie sa depaseeasca cinci ani;
au fost introduse constrangeri suplimentare
pentru debitorii expusi riscului valutar etc.) fara
a impiedica insa accesul la creditele ipotecare
imobiliare. Aceasta Reglementare include
cerinta explicita pentru creditor de a-si informa
si avertiza clientii asupra riscurilor asociate cu
imprumuturile in devize”. In 2012 organismul
de reglementare si-a exprimat in mod clar
intentia de a extinde aceasta Reglementare la
entitatile juridice cu privire la constientizarea
si asumarea riscurilor pe care debitorul nu
le poate intelege ori gestiona. Din punct de
vedere al reglementarii, anul 2011 a fost marcat
de adoptarea Standardelor Internationale de
Raportare Financiara (IFRS) care implica
schimbari ale cadrului de reglementare sub
aspectul capitalizarii, provizionarii, nivelelor de
lichiditate ale institutiilor de credit fara a include
IFN-urile sub umbrela acestei noi reglementari!
Aceste cerinte prudentiale noi legate de IFRS,
care au scopul de a acoperi riscurile in mod
adecvat, sunt extrem de asteptate pentru a fi
implementate si in piata IFN-urilor.
granting consumer loans, especially foreign
currency-denominated lending (applicants are
bound to provide collateral covering at least
133%of the total financing; loan term shall not
exceed five years; supplementary constraints
for unhedged borrowers were introduced
etc.) without hampering access to real estate
mortgage loans. The Regulation includes the
explicit requirement for the creditor to inform
and warn its clients about the risks associated
with foreign currency-denominated lending.”
In 2012 the regulator has expressed its intention
to extend this Regulation to legal entities with
respect to awareness and assumption of risks
that the debtor cannot understand or manage.
Year 2011 was marked from the regulatory point
of view by the adopting of the International
Financial Reporting Standards (IFRS) that
meant changes to the regulatory framework
in terms of capitalization, provisioning,
liquidity levels of credit institutions without
including the NBFIs under the umbrella of
this new regulation! This new IFRS prudential
requirements that are aimed to cover risks in
an adequate manner are highly expected by the
NBFI market to be implemented, too.
In „Raportul anual al Bancii Nationale a
Romaniei din 2011” cu privire la realitatea
economica se arata ca „cele mai afectate
au fost IMM-urile, deoarece rata de credite
neperformante a acestora a avut cea mai rapida
crestere si cel mai inalt nivel (20,9 la suta la
sfarsitul lunii martie 2012). A crescut si riscul
de credit cu privire la imprumuturile legate
de bunurile de uz casnic, insa cu un ritm mai
mic (de 9,0 la suta la sfarsitul lunii martie
2012 de la 7,9 la suta la sfarsitul anului 2010),
vulnerabilitatile cele mai mari ramanand cele
de mare indatorare si cele privind devizele
considerabile pe termen scurt.
Rata creditelor neperformante din sectorul
marilor clienti a ramas la 3,7 la suta la sfarsitul
lunii martie 2012, cele mai importante riscuri
According to the “2011 Annual Report” of the
National Bank of Romania with respect to the
economic reality “the hardest hit were smalland
medium-sized enterprises, as their nonperforming
loan ratio posted the fastest growth
and the highest level (20.9%at end-March
2012). Credit risk attached to household loans
also expanded, albeit at a slower pace (to 9.0%
at end-March 2012 from 7.9%at end-2010),
with high indebtedness and the substantial short
foreign currency position remaining the major
vulnerabilities.
The corporate sector’s non-performing loan
ratio stood at 3.7% at end-March 2012, with the
most significant risks coming from a relatively
low debt servicing capacity and loose payment
discipline among business partners. “
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