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    Proiectul legii conversiei creditelor CHF reprezintă cea mai mare problemă a băncilor în acest moment. Până acum, băncile au pus pe spatele clienţilor riscul valutar, după ce au vândut credite în franci elveţieni prezentându-le ca fiind sigure. 

    Altfel, de ce s-ar împrumuta cineva în franci elveţieni, o valută pe care foarte puţini au văzut-o cum arată. Poate nici clienţii  care au luat credite CHF. Aceştia nu au primit niciodată CASH aceşti bani, ei au fost doar trecuţi în valoarea lor virtuală în contract şi în bilanţurile băncilor.

    Iată că acum, după ce au încasat rate duble faţă de momentul semnării contractelor, băncile nu vor să accepte conversia creditului în lei la cursul iniţial.

    BNR ia partea băncilor comerciale în acest joc, Nicolae Cinteză directorul Direcţiei de Supraveghere din BNR făcând un anunţ-şoc: 4 bănci ar urma să falimenteze dacă se va adopta legea conversiei la cursul iniţial.

    Cinteză a propus ca denominarea să se facă la cursul de astăzi, lucru ce echivalează cu zero pentru că ratele tot duble rămân, băncile comerciale făcând profit dublu în acest caz.

    Din studiile pe care le-am făcut, o astfel de măsură ar genera o criză de sistem. (…) Vor fi bănci care vor da, a doua zi, faliment, a spus Cinteză

     

    DE CE nu vor băncile să încaseze banii trecuţi în CONTRACT? 

    Este uimitoare poziţia băncilor. De ce ar da faliment dacă ar încasa banii pe care îi stipula contractul la momentul respectiv? Nu include dobânda şi puzderia de comisioane toate cheltuielile făcute de bancă cu creditul başca PROFITUL?

    Aici de fapt se intră în mijlocul problemei. Băncile cu credite în CHF au nevoie de ratele duble plătite de clienţi! Au nevoie ca să acopere pierderile făcute cu creditele neperformante date cine ştie cum şi pe ce criterii.

    Care sunt acele bănci de care vorbeşte domnul Cinteză?  Volksbank este candidată sigură având în vedere că pe acest tip de credite se specializase la un moment dat. Probleme la acest capitol au şi Banca Românească şi Bancpost,  toate cele trei bănci având o poziţie nesigură n piaţă.

    Nici OTP nu stă bine la acest capitol, mai ales că a preluat şi portofoliul Millenium iar centrala Ungaria deja a pierdut în celebrul caz Kasler.

    În spatele celor mici stau însă giganţii, mai ales BCR, care nu ar da faliment dar ar avea pierderi foarte mari în special centrala Erste Bank. O asemenea veste pe burse ar duce iar la o scădere mare a acţiunilor Erste pe piaţă după ce s-au devalorizat cu 16% la anunţul privind majorarea provizioanelor.

    Este puţin probabil ca pentru Volksbank sau Bancpost sau altă bancă mai mică din sistem să facă BNR atâtea presiuni chiar dacă problemele lor ar afecta sistemul bancar. Nu este exclus ca Erste Bank sau alte entităţi mari să fie cei care presează din spate BNR în această problemă în ideea de a limita un nou picaj al veniturilor şi implicit al acţiunilor.

    Acest articol este proprietatea Pagina de Bănci și este protejat de legea drepturilor de autor. Orice preluare a conținutului se poate face doar în limita a 500 de semne, cu citarea sursei și cu link către pagina acestui articol.

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