De\u0219i cifrele brute indic\u0103 o cre\u0219tere a stocului de economisire, analiza detaliat\u0103 a datelor BNR relev\u0103 o realitate financiar\u0103 mai aspr\u0103: \u00een termeni reali (ajusta\u021bi cu infla\u021bia), depozitele bancare totale au sc\u0103zut cu 3,8% fa\u021b\u0103 de anul trecut. Cele mai afectate sunt economiile \u00een lei, care au pierdut 7,6% din puterea de cump\u0103rare, indic\u00e2nd faptul c\u0103 dob\u00e2nzile bancare nu au reu\u0219it s\u0103 \u021bin\u0103 pasul cu cre\u0219terea pre\u021burilor.<\/p>\n
Economiile \u00een lei. Cre\u0219tere nominal\u0103, dar o sc\u0103dere real\u0103<\/p>\n
Depozitele \u00een moneda na\u021bional\u0103 continu\u0103 s\u0103 de\u021bin\u0103 cea mai mare pondere \u00een sistem (68,1%), ating\u00e2nd un sold de aproximativ 442 miliarde de lei. Totu\u0219i, dinamica difer\u0103 semnificativ \u00eentre persoanele fizice \u0219i firme. Popula\u021bia de\u021bine \u00een conturi peste 257 miliarde de lei, o cre\u0219tere nominal\u0103 de 3,9% fa\u021b\u0103 de noiembrie 2024, dar care se traduce printr-o sc\u0103dere real\u0103 de 5,4%. Companiile resimt mai acut infla\u021bia, depozitele lor \u00een lei (184,4 miliarde lei) sc\u0103z\u00e2nd \u00een termeni reali cu 10,6% fa\u021b\u0103 de anul precedent.<\/p>\n
Valuta, refugiul preferat al deponen\u021bilor<\/p>\n
Spre deosebire de segmentul \u00een lei, economiile \u00een valut\u0103 au \u00eenregistrat un avans spectaculos de 16% \u00een ultimul an (exprimat \u00een lei), ating\u00e2nd un sold total de 207 miliarde de lei. Chiar \u0219i exprimate \u00een euro, aceste depozite au crescut cu un solid 13,4%, confirm\u00e2nd o migrare a capitalului c\u0103tre valute considerate mai sigure.<\/p>\n
Popula\u021bia r\u0103m\u00e2ne principalul motor al acestui trend, de\u021bin\u00e2nd depozite \u00een valut\u0103 echivalente cu 140 miliarde de lei (\u00een cre\u0219tere cu 15,7% anual). Nici segmentul corporate sau al altor institu\u021bii nu a r\u0103mas \u00een urm\u0103, \u00eenregistr\u00e2nd cre\u0219teri de aproape 17% pentru depozitele \u00een moned\u0103 str\u0103in\u0103.<\/p>\n
\u00cen concluzie, luna noiembrie 2025 eviden\u021biaz\u0103 un comportament prudent, dar defensiv: rom\u00e2nii \u0219i companiile economisesc mai mult nominal, \u00eens\u0103 \u00ee\u0219i mut\u0103 masiv resursele \u00een valut\u0103 pentru a proteja valoarea banilor \u00een fa\u021ba erod\u0103rii puterii de cump\u0103rare a leului.<\/p>","protected":false},"excerpt":{"rendered":"
De\u0219i cifrele brute indic\u0103 o cre\u0219tere a stocului de economisire, analiza detaliat\u0103 a datelor BNR…<\/p>\n","protected":false},"author":0,"featured_media":54611,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-54610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual"],"_links":{"self":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/54610","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/comments?post=54610"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/54610\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/54611"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=54610"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=54610"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=54610"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}