Expecting the economy to recover, bankers have slowed down evenmore the restructuring of their territorial networks and number ofemployees, while the salary average reported by the central bankstayed at 3,000 lei in net amount in the first quarter at over.
Bankers have avoided drastic branch network adjustments in thepast two years, despite the plummeting loan sales amid the crisis,believing they will thus be ready to resume growth at the momentthe economy picks up.
After two years of recession, it has become clear, though, thatloan sales will not revert to boom year levels and the question ishow these branches could generate enough revenues to justify theirexistence.
"The business model needs to become more flexible as banks havevery high fixed costs, requiring a rapid turnover increase, whichused to be based on massive loan sales. The situation has changeddramatically, though, amid the economic downturn and now banks haveto adopt a different structure," believes financial analyst DragoşCabat.
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