{"id":25981,"date":"2023-10-10T09:17:53","date_gmt":"2023-10-10T08:17:53","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=25981"},"modified":"2023-10-10T09:18:25","modified_gmt":"2023-10-10T08:18:25","slug":"metro-bank-probabil-pentru-ultima-oara","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=25981","title":{"rendered":"Metro Bank, probabil pentru ultima oara?"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p>C\u0103 ce e bun trebuie s\u0103 dispar\u0103 &#8211; \u0103\u0219tia <a href=\"https:\/\/catalinx.ro\/wordpress\/?p=23941\">nu mai sunt a\u0219a buni de ceva vrem<\/a>e, dar culmea, dup\u0103 un num\u0103r de telefoane la ei , \u00een care \u00eemi spuneau c\u0103 nu pot s\u0103 \u00eemi rezolve problema , c\u0103 e musai s\u0103 m\u0103 controleze ei c\u0103 nu \u0219tiu ce, r\u0103mas calat pe tema asta am vrut s\u0103 fac un ultim transfer c\u0103tre un cont nou, adic\u0103 s\u0103 golesc din bani \u00een buzunarul unui furnizor nou. <\/p>\n\n\n\n<p>Ca \u00een via\u021b\u0103 a mers la ultima cheie \u0219i am zis c\u0103 hai, m\u0103 , s\u0103 le mai dau o \u0219ans\u0103, adic\u0103 mie, c\u0103 mi-era lene s\u0103 \u00eenchid contul \u0219i de pe atunci, cred ca iunie? a mers nederanjat contul vie\u021bii \u0219i merge si acum \u0219i va merge pururea \u0219i \u00een fine, nu cred c\u0103 chiar a\u0219a de a la long, c\u0103 <a href=\"https:\/\/www.bbc.co.uk\/news\/business-67062861\">s-a hodorogit de tot banca \u0103stora<\/a>.<\/p>\n\n\n\n<p>Treaba nu merge chiar ca uns\u0103 cu economia, joburi, rate prin UK, iar \u0103\u0219tia nu-s chiar proteja\u021bi, au avut deja ceva probleme prin 2019, acum au ni\u0219te probleme mai mari. <\/p>\n\n\n\n<p>Ei au avut inten\u021bii bune, <a href=\"https:\/\/www.bbc.co.uk\/news\/business-67027436\">citez<\/a>:<\/p>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>Its founder, American Vernon Hill, said at the time that he wanted to do things differently: so the bank offered customer-friendly perks like opening its doors seven days a week and even putting out water bowls and dog biscuits for customers&#8217; pets. <\/p><\/blockquote><\/figure>\n\n\n\n<p>\u0218i chiar au f\u0103cut anumite lucruri diferit, program prelungit \u00een weekend la birourile fizice, comisioane mici, \u00een fine, nu chiar r\u0103u, din punctul de vedere experien\u021b\u0103 client, comparativ cu alte b\u0103nci. <\/p>\n\n\n\n<p>Dar au intrat un pic in nevoie de cash \u0219i au plecat cu cer\u0219eala la investitorii prim\u0103verii, care nu vine prea cur\u00e2nd \u00een UK. Nevoia de cash a izvor\u00e2t din faptul c\u0103 opereaz\u0103 la limita capitalului. <a href=\"https:\/\/www.ftadviser.com\/mortgages\/2023\/10\/09\/metro-bank-holds-talk-for-3bn-mortgage-book-sale\/\">Au primit. <\/a> Ai putea spune c\u0103 le-a trecut glon\u021bul pe la ureche, dar nu prea. Problemele lor vin din asseturile de ipotec\u0103. \u00cemprumuturi \u0219i o s\u0103 tot fie din astea, iminent \u0219i pe la alte b\u0103nci, dar ei sunt mai mici. <\/p>\n\n\n\n<p>Exist\u0103 pericolul ca sc\u0103derea imobiliar\u0103 s\u0103 scuture ni\u0219te b\u0103nci , iar Metro e printre candida\u021bii probabili. <\/p>\n\n\n\n<p>Ei se laud\u0103 cu 2.7 milioande de clien\u021bi care adun\u0103 15.5 miliarde de lire \u00een depozite. De unde rezult\u0103 c\u0103 clientul mediu are 5,750 de lire \u00een contul Metro. Da, ce s\u0103 zic, ni\u0219te bog\u0103tani, mai mult dec\u00e2t \u021bin eu \u0219i cred c\u0103 \u0219i so\u021bia la ei, \u0219tii ce zic? Aia e pia\u021ba lor, dar \u0103\u0219tia \u00een UK nici nu prea \u021bin bani \u00een conturi, ni\u0219te s\u0103raki. <\/p>\n\n\n\n<p>Prin compara\u021bie, Natwest, care nu e cea mai mare banc\u0103 din UK ( nu am cont la ei, are so\u021bia pentru creditul la cas\u0103) are circa 19 milioane de clien\u021bi \u0219i <a href=\"https:\/\/investors.natwestgroup.com\/~\/media\/Files\/R\/RBS-IR-V2\/results-center\/17022023\/nwg-announcement.pdf\u00e2\">450 de miliarde<\/a>, \u00een depozite &#8211; anume clientul mediu are pe la 23,684 lire \u00een contul de NatWest.  Nici asta nu e cea mai de boga\u021bi. <\/p>\n\n\n\n<p>No, concluzia e simpl\u0103 &#8211; banca asta Metro e mic\u0103 \u0219i bunicic\u0103 pentru s\u0103raci ca mine ( c\u0103 de aia am cont la ei) \u0219i opereaz\u0103 cu cash pu\u021bin din depozite. C\u00e2t o mai \u021bine, nu \u0219tiu, dar nu cred c\u0103 este ultima salvare de la bucluc.  N-a\u0219 paria pe burs\u0103 la ea, s\u0103 dea domnu&#8217; s\u0103 m\u0103 \u00een\u0219el c\u0103 mi-e lene s\u0103 \u00eenchid contul. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u0103 ce e bun trebuie s\u0103 dispar\u0103 &#8211; \u0103\u0219tia nu mai sunt a\u0219a buni de ceva vreme, dar culmea, dup\u0103 un num\u0103r de telefoane la&hellip;<\/p>\n","protected":false},"author":2,"featured_media":14444,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499,1594],"tags":[3052,5629],"class_list":["post-25981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-uk","tag-banci-in-uk","tag-metro-bank-2023"],"views":553,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2019\/02\/metrobank.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-6L3","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/25981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=25981"}],"version-history":[{"count":2,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/25981\/revisions"}],"predecessor-version":[{"id":25983,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/25981\/revisions\/25983"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/14444"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}