Cât câștigă, de fapt, banca din creditul tău? Cum au ajuns băncile să concureze pe fiecare punct de dobândă

An analysis by FinBan reveals that Romanian banks are competing intensely on credit prices and deposit interest rates. The risk of interest rates has shifted from clients to banks for new mortgage and consumer loans. Despite high inflation and reference interest rates, banks are absorbing costs without passing them to consumers. The competition is evident in the pricing of loans, interest on deposits, product structures, and credit accessibility. Data shows that Romania has the lowest margin compared to Hungary and Poland, indicating a highly competitive market. The analysis highlights the importance of understanding the true cost of credit and the dynamics of banking competition.