{"id":670105,"date":"2026-01-06T23:36:05","date_gmt":"2026-01-06T23:36:05","guid":{"rendered":"https:\/\/microscopemedia.com\/?p=670105"},"modified":"2026-01-06T23:36:05","modified_gmt":"2026-01-06T23:36:05","slug":"ing-ar-purta-discutii-pentru-preluarea-garanti-bbva-romania-surse-zf","status":"publish","type":"post","link":"https:\/\/microscopemedia.com\/?p=670105","title":{"rendered":"ING ar purta discu\u021bii pentru preluarea Garanti BBVA Rom\u00e2nia \u2013 surse ZF"},"content":{"rendered":"
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Conform surselor citate de ZF, discu\u0163iile dintre ING \u015fi BBVA, ac\u0163ionarul majoritar al Garanti Bank Rom\u00e2nia, se desf\u0103\u015foar\u0103 \u201eone to one\u201d, f\u0103r\u0103 ca grupul spaniol s\u0103 fi deschis un proces formal de v\u00e2nzare care s\u0103 invite \u015fi al\u0163i poten\u0163iali cump\u0103r\u0103tori.<\/p>\n

ZF noteaz\u0103 c\u0103 negocierile ar fi sus\u0163inute \u015fi de rela\u0163ia profesional\u0103 dintre Pinar Abay, manager de top \u00een cadrul grupului ING (responsabil\u0103 de Divizia de Global Banking \u2013 Retail, Private Banking \u015fi mid-corporate), \u015fi Onur Gen\u00e7, CEO al BBVA, cei doi fiind colegi timp de mai mul\u0163i ani la McKinsey Turcia. Totodat\u0103, potrivit ZF, Onur Gen\u00e7 a fost ani la r\u00e2nd membru \u00een Consiliul de Administra\u0163ie al Garanti Bank Rom\u00e2nia.<\/p>\n

BBVA ar \u00eencerca s\u0103 identifice o \u201esolu\u0163ie de viitor\u201d pentru opera\u0163iunile din Rom\u00e2nia, \u00een condi\u0163iile \u00een care banca nu ar fi avut o strategie clar\u0103 de cre\u015ftere accelerat\u0103 pe pia\u0163a local\u0103 \u015fi risc\u0103 s\u0103 piard\u0103 teren dac\u0103 nu continu\u0103 investi\u0163iile, mai arat\u0103 ZF, cit\u00e2nd surse.<\/p>\n

Potrivit surselor bancare invocate de ZF, Garanti Bank Rom\u00e2nia este considerat\u0103 \u201eo banc\u0103 destul de bun\u0103, curat\u0103\u201d, iar BBVA ar solicita o prim\u0103 suplimentar\u0103 la pre\u0163, refuz\u00e2nd o v\u00e2nzare \u201ela discount\u201d, pe fondul interesului pe care l-ar putea genera o astfel de tranzac\u0163ie pentru juc\u0103torii din top 10.<\/p>\n

La finalul lui 2024, conform datelor BNR, ING Bank Rom\u00e2nia avea active de 78 mld. lei (15,7 mld. euro) \u015fi o cot\u0103 de pia\u0163\u0103 de 8,85%, \u00een timp ce Garanti BBVA Rom\u00e2nia avea active de 16,93 mld. lei (3,4 mld. euro) \u015fi o cot\u0103 de pia\u0163\u0103 de 1,89%. \u00cen scenariul unei achizi\u0163ii, ING ar dep\u0103\u015fi pragul de 10% cot\u0103 de pia\u0163\u0103 \u015fi ar intra \u00eentr-o zon\u0103 de competi\u0163ie pentru pozi\u0163iile superioare ale clasamentului, conform analizei ZF.<\/p>\n

Pe fondul consolid\u0103rii a\u015fteptate \u00een topul bancar \u00een 2025, ZF arat\u0103 c\u0103 Banca Transilvania ar urca spre 24% dup\u0103 achizi\u0163ia OTP, BCR ar fi \u00een jur de 14%, CEC Bank ar dep\u0103\u015fi 11%, iar UniCredit ar trece peste 10% dup\u0103 \u00eenchiderea achizi\u0163iei Alpha Bank, \u00een timp ce BRD \u015fi Raiffeisen ar cobor\u00ee sub\/prin preajma pragului de 10%. \u00cen acest context, ING risc\u0103 s\u0103 alunece \u00een clasament dac\u0103 nu face o mi\u015fcare de cre\u015ftere accelerat\u0103, noteaz\u0103 ZF.<\/p>\n

Anali\u015ftii cita\u0163i de ZF consider\u0103 c\u0103 bankingul devine tot mai costisitor din cauza reglement\u0103rilor \u015fi a concuren\u0163ei, iar pentru a r\u0103m\u00e2ne \u201eimportant\u201d pe pia\u0163a rom\u00e2neasc\u0103 ar fi necesar\u0103 o cot\u0103 de pia\u0163\u0103 de peste 10%. Totodat\u0103, sistemul bancar ar avea \u201eprea multe b\u0103nci\u201d (aproximativ 30), iar presiunile de cost \u2013 inclusiv taxa bancar\u0103 de 4% men\u0163ionat\u0103 de ZF \u2013 ar putea afecta \u00een special b\u0103ncile din e\u015falonul doi \u015fi trei.<\/p>\n","protected":false},"excerpt":{"rendered":"

Conform surselor citate de ZF, discu\u0163iile dintre ING \u015fi BBVA, ac\u0163ionarul majoritar al Garanti Bank Rom\u00e2nia, se desf\u0103\u015foar\u0103 \u201eone to one\u201d, f\u0103r\u0103 ca grupul spaniol s\u0103 fi deschis un proces … Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":670106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/670105"}],"collection":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=670105"}],"version-history":[{"count":0,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/670105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/media\/670106"}],"wp:attachment":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=670105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=670105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=670105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}