Business Monitor International


Romania Commercial Banking Report

Published 08 April 2014

  • 76 pages
  • Instant access to your report online and PDF format through your account library
  • Includes 3 free updated quarterly reports
 
$1,295.00
Romania Commercial Banking Report
Commercial Banking Sector Indicators
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
January 2013, RONbn 396.5 292.4 68.3 35.8 396.5 73.4 305.6 17.5
January 2014, RONbn 403.3 291.3 76.2 35.8 403.3 79.4 302.8 21.1
% change y-o-y 1.7% -0.4% 11.6% 0.1% 1.7% 8.2% -0.9% 20.1%
January 2013, US$bn 122.9 90.6 21.2 11.1 122.9 22.7 94.7 5.4
January 2014, US$bn 120.8 87.3 22.8 10.7 120.8 23.8 90.7 6.3
% change y-o-y -1.7% -3.7% 7.9% -3.3% -1.7% 4.6% -4.2% 16.1%
Source: BMI; Central banks; Regulators
Commercial Banking Sector Key Ratios, January 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, US$ Deposits per capita, US$
96.19% 72.22% 45.34% 9,033.5 4,181.6
Rising Falling Falling n.a. n.a.
Source: BMI; Central banks; Regulators
Annual Growth Rate Projections 2013-2018 (%)
Assets Loans Deposits
Annual Growth Rate 10 10 8
CAGR 6 6 5
Ranking 46 49 56
Source: BMI; Central banks; Regulators
Ranking Out Of 71 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
33 7 49
Local currency asset growth Local currency loan growth Local currency deposit growth
52 59 69
Source: BMI; Central banks; Regulators
...
Commercial Banking Sector Indicators, 2011-2018
2011 2012 2013e 2014f 2015f 2016f 2017f 2018f
Total assets, RONbn 396.6 404.8 408.5 420.8 440.2 466.6 501.6 551.7
Total assets, US$bn 118.8 120.2 122.1 115.6 115.3 121.7 130.6 142.4
Client loans, RONbn 301.9 298.0 296.2 303.3 314.8 333.1 358.1 393.9

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, October 2013
7
Table: Annual Growth Rate Projections 2012-2017 (%)
7
Table: Ranking Out Of 70 Countries Reviewed In 2013
8
Table: Commercial Banking Sector Indicators, 2010-2017
8
SWOT
9
Commercial Banking
9
Political SWOT
10
Economic SWOT
11
Business Environment SWOT
12
Industry Forecast
13
Industry Risk Reward Ratings
18
Emerging Europe Commercial Banking Risk/Reward Ratings
18
Table: Emerging Europe Commercial Banking Risk/Reward Ratings
19
Market Overview
20
Emerging Europe Commercial Banking Outlook
20
Table: Banks' Bond Portfolios, 2012
20
Table: Comparison Of Loan/Deposit & Loan/Asset & Loan/GDP Ratios, 2013
21
Table: Comparison Of Total Assets & Client Loans & Client Deposits (US$bn)
22
Table: Comparison Of US$ Per Capita Deposits, 2013
23
Economic Analysis
24
Table: Romania - Economic Activity
28
Competitive Landscape
29
Market Structure
29
Protagonists
29
Table: Protagonists In Romania's Commercial Banking Sector
29
Definition Of The Commercial Banking Universe
29
List of Banks
30
Table: Banks within Romania
30
Company Profile
32
Banca Comerciala Romana
32
Table: Stock Market Indicators
33
Table: Balance Sheet (RONmn)
34
Table: Balance Sheet (US$mn)
34
Table: Key Ratios (%)
34
UniCredit Tiriac Bank
35
Table: Stock Market Indicators
36
Table: Balance Sheet (RONmn)
36
Table: Balance Sheet (US$mn)
37
Table: Key Ratios (%)
37
Raiffeisen Bank
38
Bancpost
40
Banca Transilvania
42
Table: Stock Market Indicators
43
Table: Balance Sheet (RONmn)
44
Table: Balance Sheet (US$mn)
44
Table: Key Ratios (%)
44
Volksbank
45
BRD-Groupe Soci-t- G-n-rale
47
Table: Stock Market Indicators
48
Table: Balance Sheet (RONmn)
48
Table: Balance Sheet (US$mn)
49
Table: Key Ratios (%)
49
Regional Overview
50
Emerging Europe Overview
50
FX Regulatory Risks Loom Large
51
Rising Local Policy Rates Bring Benefits
53
But Tighter Global Liquidity Creates Risks
55
Global Industry Overview
59
Global Commercial Banking Outlook
59
Demographic Forecast
68
Demographic Outlook
68
Table: Romania's Population By Age Group, 1990-2020 ('000)
69
Table: Romania's Population By Age Group, 1990-2020 (% of total)
70
Table: Romania's Key Population Ratios, 1990-2020
71
Table: Romania's Rural And Urban Population, 1990-2020
71
Methodology
72
Industry Forecast Methodology
72
Sector Specific Methodology
73
Risk/Reward Ratings Methodology
74
Sector Specific Methodology
75
Table: Commercial Banking Risk/Reward Rating Indicators
75
Weighting
76
Table: Weighting Of Indicators
76

The Romania Commercial Banking Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the commercial banking sector in Romania. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's Romania Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in Romania.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for Romania to test other views - a key input for successful budgeting and strategic business planning in the Romanian commercial banking market.
  • Target business opportunities and risks in Romania through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

Executive Summary

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and US$.

Industry SWOT Analysis

Analysis of the major Strengths, Weaknesses, Opportunities and Threats within the commercial banking sector and within the broader political, economic and business environment.

Business Environment Ratings

BMI's Commercial Banking Business Environment Ratings provide a country-comparative Risk-Reward Ratings index aimed at investors and participants in the regional commercial banking market.

The ratings methodology makes sophisticated use of over 40 industry, economic and demographic data points and is part of BMI's integrated Country Risk-Industry Ratings products.

Global, Regional and Country Industry

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI's global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2017 for all headline macroeconomic indicators including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

Competitive Landscape

Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.

Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI's industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate Company SWOT (Strengths, Weaknesses, Opportunities and Threats) analyses. The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

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Testimonials

'An essential, multi-faceted research tool. BMI’s thorough understanding of the major market players enables an informed – and informative – review of the sector’s actual performance, together with useful insights into current industry issues, which are topped-off with detailed and invaluable forecasts of industry and macroeconomic trends.’

Senior Research Analyst, ABC International Bank plc