De ce bancile ne dau dobanzi mari doar pe termene scurte

GhiseulBancar.ro a scris o serie de articole in care analiza dobanda medie pe care o acorda bancile la depozitele clasice la termen pe o luna, trei luni, sase luni si un an. In urma calcularii indicilor, in care au fost incluse dobanzile acordate de peste 15 dintre cele mai importante banci romanesti, a reiesit ca dobanda atinge un varf la depozitele pe trei luni, dupa care descreste. Intrucat tendinta nu ni s-a parut fireasca, avand in vedere ca dobanda ar trebui sa se majoreze pe masura ce creste perioada depozitului, am cerut lamuriri bancilor care practica aceasta strategie. Iata ce explicatii am primit din partea bancherilor.

Banca Romaneasca: Pe termen lung se asteapta o scadere a dobanzilor la depozite

“Dobanzile depozitelor sunt, in majoritatea cazurilor, dobanzi fixe. In aceste conditii, bancile evita sa angajeze dobanzi fixe pe termen lung”, au declarat pentru GhiseulBancar.ro reprezentantii Bancii Romanesti.
„In plus, bancile au tot timpul in vedere asteparile privind evolutia inflatiei si a dobanzilor de referinta ale BNR. In acest context, pe termene mai lungi este asteptata o reintoarcere a inflatiei la valori mai reduse, lucru care va antrena si o scadere a dobanzilor la depozite.”, au mai precizat ei.

Lucian Nicoara, director al Directiei de Trezorerie si Piete de Capital al Bancii Comerciale Carpatica da o explicatie similara celei de mai sus. „Dobânzile oferite pentru depozitele pe termen scurt sunt mai mari decât cele oferite pentru depozitele pe termen lung datoritã aºteptãrilor de scãdere pe termen lung a dobânzilor”, spune el.

„Nu suntem interesati sa acordam dobanzi mari la depozitele pe termen lung”, explica la randul lor reprezentantii Volksbank. „Aceasta este strategia noastra de atragere a depozitelor”, adauga ei.


OTP Bank: concurenta pentru depozitele pe termen scurt determina majorarea dobanzilor pe aceasta perioada

Oficialii OTP Bank si-au justificat modul cum remunereaza depozitele prin faptul ca majoritatea clientilor care economisesc prefera sa investeasca bani pe o perioada mai scurta.
„Astfel, aproximativ 90% din totalul depozitelor sunt depozite pe maxim 3 luni.
Deoarece bancile doresc sa-si pastreze atat clientii existenti, cat si sa atraga altii noi, iar competitia pe piata bancara este foarte stransa, ofera dobanzi mai mari exact pentru acele perioadele pe care clientul economiseste mai mult”, au declarat ei pentru GhiseulBancar.ro.

In concluzie, doua sunt motivele principale care determina o curba descendenta a dobanzilor in raport cu perioada: preferinta romanilor de a economisi pe termen scurt si asteptarile privind reducerea dobanzilor la depozite in urmatoarea perioada.

85 comentarii

Amynob
2021-06-14

disulfiram 500 mg

Loans
2021-06-16

payday lenders online

Kimnob
2021-06-20

buy viagra pills canada

Lisanob
2021-07-22

prednisone 5mg tablets price

Mianob
2021-07-28

ivermectin india

Alannob
2021-08-01

ivermectin 3 mg

Joenob
2021-08-20

tadalafil 100mg

Samnob
2021-08-29

cialis online prescription

Jacknob
2021-08-29

best online pharmacy usa

Jacknob
2021-09-01

how much is tadalafil 20mg

Ivynob
2021-09-15

where can i order cialis

Lisanob
2021-09-21

provigil medication

Marknob
2021-09-27

tadalafil prices 5mg

Ivynob
2021-10-23

eli lilly cialis

Suenob
2021-11-04

viagra 100mg mexico

Janenob
2021-11-08

buying cialis in mexico

Evanob
2021-11-12

viagra free shipping

Admmtoutt
2021-11-25

thesis statistics thesis titles

AsmmesconeBed
2021-11-27

teva generic cialis generic cialis vs brand cialis reviews

Jimnob
2021-11-30

online pharmacy viagra

Tednob
2021-12-05

endep 25

Janenob
2021-12-06

sildenafil 50mg coupon

Kimnob
2021-12-08

stromectol where to buy

Kimnob
2021-12-12

medicine zovirax

Judynob
2021-12-18

tadalafil for sale

Evanob
2021-12-18

cost viagra 100mg

Mianob
2021-12-30

sildenafil prescription cost

Jacknob
2022-01-04

tadalafil canada drug

Ashnob
2022-01-10

hydroxychloroquine drug

Ugonob
2022-01-21

stromectol pill for humans

Boonob
2022-01-23

cost of antabuse in australia

trev
2022-02-28

Wow! This is really informative Dumpster Rental

Jessica
2022-02-28

Thank you so much for sharing this! www.birminghamdumpsterrentals.com

Jessica
2022-02-28

I learned something from this www.birminghamgutterguys.com

Joe
2022-03-10

Interest rates on short-term deposits are higher than those offered on long-term deposits due to expectations of long-term declining interest rates. Hope it helps. Joe from Wilmington Chimney Sweep

Brettliche
2022-11-12

centerpoint energy delivery charges https://zakazat-poppers.blogspot.com direct mail

Rose Solero
2023-01-26

Thanks!

xander ford
2023-03-09

When interest rates are high, bank loans cost more, and consumers must cut back on spending | roofing service

Nestor Hernandez
2023-03-19

Thanks a lot for sharing this information with us, I think this happens because short term interests tend to be for lower quantities of money that could go for a few hundred to like a thousan of your local currency wich can be paid fairly quickly. I would like to recommend my favorite Concrete Repair service in Fargo, North Dakota

adamschule85
2023-03-28

I am Very thank full the owner of this blog. Plumber Lethbridge

dotyhughes117
2023-03-29

That’s a awesome article you posted. I will come back to read some more. bore pump repair

rubewrenn269
2023-03-29

I can not thank you sufficiently for the articles on your web-site. corporate tax agent

Michele
2023-04-18

In my opinion, the best roofing service can be found with roofing contractors lakewood ranch or roofing contractors port charlotte.

Nelson A
2023-05-04

This works like this because Banks make a lot of profit in long term deals, that why they try to give a low interest deal on long term. On short term they can't make enough money by giving low interest rates, that's why the shorter the place the higher the interest. I would like to recommend my favorite wallpaper removal in phoenix az

Sunshine Brown
2023-05-24

imi place asa de mult! asta e perfectiunea.. Sun Brown Parramatta Painters

Angel17
2023-05-26

Nice work. Keep posting. https://truckpartsuperstore.ca/collections/warn

Kelly Peters
2023-05-30

As this trend seemed unusual to us, considering that the interest rate should increase as the deposit period lengthens, we requested clarification from the banks practicing this strategy. Here is the explanation we received from the bankers. Onboarding software

Nerio Herrera
2023-05-30

I've always been curious about how banks work in other countries and this article has shown me that all banks around the world work basically with the same standard, thank you for sharing this. Check out the 5 Star ac maintenance company in Gainesville, Florida they're the best ones at it in my own opinion

Linda
2023-05-31

Absolutely great post here. It has a lot of key elements that truly makes it work. credit repair lafayette in

George Morales
2023-06-15

Sunt de acord cu tine.. Morales: Sydney food truck

Nelson A
2023-06-28

Amazing article, you did really well explaining how the banks process different kinds of loans! I would like to recommend my favorite commercial roofing in Jacksonville Florida

fritzsara5225
2023-06-28

I’m trying to find things to improve my site! I suppose its ok to use some of your ideas!! Sutherland bagging render

scottheflin589
2023-06-28

That is definitely this sort of an amazing inventiveness that will you might be supplying so you offer the idea apart pertaining to free of charge. conveyancer near me

Ann Hansen
2023-06-29

acum stim... multumesc! Ann H./ Bathroom Renovations Parramatta

joshua lark
2023-07-12

Always save in the good times to cope with the bad times. Eastbourne Tree Services

james hartman
2023-07-18

help me get my otp ready you are perfect man. tree removals

earnest crawford
2023-07-21

It has been notice and appreciated. https://treeserviceshighwycombe.co.uk/

nickocme
2023-07-24

despre asta vorbesc.. Nicko C. (Parramatta Carpet Cleaning)

carl duncan
2023-07-25

just solid information to help you make good financial decisions. tree lopping sydney

Rosabella Dani
2023-07-26

I love your writing voice because it's engaging and approachable. Wow! Thank you from life insurance in colorado springs co.

Jake Holt
2023-07-31

I always appreciate new information like this post. You are doing awesome and keep up the great work. Check us at our seo for insurance agencies company.

Sheldon Hofstader
2023-08-02

Always nice to see this. This is something worth reading. Come and find out more about our boli bank owned life insurance

salvatore wakefield
2023-08-02

I was pretty sure would've been in the top 10 world wide. https://stalbansfencingsolutions.co.uk/

shawn berkman
2023-08-08

Gained from this, appreciated it. Tree Surgeons Bury St Edmunds

Xina Andres
2023-08-09

si intrebarile mele.. de ce? Xina A. Parramatta Kitchen Renovations

Xina Andres
2023-08-09

si intrebarile mele.. de ce? Xina A. Parramatta Kitchen Renovations

paul morgan
2023-08-11

l actually understood, you made it simply. Tree Surgeons Harrogate

jonathan fagan
2023-08-14

very straight to the point with lots of humor. Physiotherapist Cork

Kyla
2023-10-26

Interesting article. You can try signing up to our wordpress contact form to see a possible team-up with your company. Cheers.

Pablo
2023-12-27

You're making a positive impact here. Cortinas Electricas

jinnen
2023-12-28

With the help of a friend, I came here for the first time. I hope you can help others as you have helped me. What a wonderful and inspiring blog. https://jinnen.com

meniyasa
2024-01-10

If you really think you need a Lawyer then start reading now and get some more informative news Tech News Business News Health and fitness Science and tha Universe Bangla Small Business English Cash Prize Games

Pedro
2024-01-10

You make the internet a better place. Transporte De Mudanzas Precios

Lani Oligao
2024-02-01

For medicare supplement fmo visit us at https://medicarefmo.org/

Mario gamers
2024-02-20

What's going on with this Mario and Princess strategy game and why are the evil kings looking to kill Mario? Actually only you can reveal the events of this game today full screen mario

darcy cuthbertson
2024-04-05

Thanks for making this information. ausupersolutions.com.au

David Lopez
2024-05-15

This is amazing. Thank you for sharing. Love the content!. I always appreciate new information like this post. You are doing awesome and keep up the great work. Check us at our insurance consulting at https://redbirdagents.com/

Posteaza un comentariu