Cum se adaptează firmele românești noului context economic. Ionuț Pătrăhău: „Creșterea mediului antreprenorial trebuie să fie o prioritate”

Ionuț Pătrăhău from Raiffeisen Bank highlights that only 10% of Romanian entrepreneurs seek bank financing, with many firms struggling in the current economic climate. He notes that while 20% of companies apply for loans, only half are approved. The economic downturn has led to a 10% drop in consumption, forcing many businesses to restructure or close. Pătrăhău advocates for a national program prioritizing entrepreneurial growth, emphasizing digitalization and tax incentives. Raiffeisen Bank is focusing on SMEs, launching initiatives like Gata de Business and an AI agent named Eric to support entrepreneurs. The bank aims to operate more like a utility, with profitability driven by transaction services rather than loans.