Business Monitor International


Romania Commercial Banking Report

Published 08 April 2014

  • 76 pages
 
$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
April 2013, RONbn 391.1 288.2 65.7 37.1 391.1 75.2 298.0 17.9
April 2014, RONbn 399.4 286.4 73.3 39.7 399.4 80.8 301.4 17.2
% change y-o-y 2.1% -0.6% 11.5% 6.9% 2.1% 7.4% 1.2% -3.8%
April 2013, USDbn 119.0 87.7 20.0 11.3 119.0 22.9 90.7 5.4
April 2014, USDbn 124.8 89.5 22.9 12.4 124.8 25.2 94.2 5.4
% change y-o-y 4.9% 2.0% 14.5% 9.8% 4.9% 10.3% 3.9% -1.3%
Source: BMI; Central banks; Regulators
Commercial Banking Sector Key Ratios, April 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
95.02% 71.72% 44.13% 9,033.5 4,344.6
Rising Rising 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 6
Ranking 47 49 54
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
35 8 51
Local currency asset growth Local currency loan growth Local currency deposit growth
53 60 59
Source: BMI; Central banks; Regulators
Commercial Banking Sector Indicators, 2011-2018
2011 2012 2013 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, USDbn 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
Client loans,...

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, December 2012
7
Table: Annual Growth Rate Projections 2012-2017 (%)
7
Table: Ranking Out Of 62 Countries Reviewed In 2013
8
Table: Commercial Banking Sector Indicators, 2010-2017
8
SWOT
9
Commercial Banking
9
Political
10
Economic
11
Business Environment
12
Industry Forecast
13
Industry Risk Reward Ratings
17
Emerging Europe Commercial Banking Risk/Reward Ratings
17
Table: Emerging Europe Commercial Banking Business Environment Ratings
18
Market Overview
19
Europe Banking Sector Outlook
19
Table: Banks' Bond Portfolios, 2011
19
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2013
20
Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn)
21
Table: Comparison of US$ Per Capita Deposits (2013)
22
Economic Outlook
23
Table: Romania - Economic Activity
29
Competitive Landscape
30
Market Structure
30
Protagonists
30
Table: Protagonists In Romania's Commercial Banking Sector
30
Definition Of The Commercial Banking Universe
30
Table: Banks within Romania
31
Company Profile
33
Banca Comerciala Romana
33
Table: Balance Sheet (RONmn)
34
Table: Balance Sheet (US$mn)
34
Table: Key Ratios (%)
35
UniCredit Tiriac Bank
36
Table: Balance Sheet (US$mn)
37
Table: Key Ratios (%)
37
Raiffeisen Bank
38
Bancpost
40
CEC Bank
42
ING Bank Romania
44
Banca Transilvania
45
Table: Stock Market Indicators
46
Table: Balance Sheet (RONmn)
46
Table: Balance Sheet (US$mn)
46
Table: Key Ratios (%)
47
Volksbank
48
BRD-Groupe Soci-t- G-n-rale
49
Table: Stock Market Indicators
50
Table: Balance Sheet (RONmn)
50
Table: Balance Sheet (US$mn)
50
Table: Key Ratios (%)
51
Regional Overview
52
Europe Overview
52
Global Industry Overview
57
Global Commercial Banking Outlook
57
Table: Selected Highlights Of Changes To The Formulation of the Basel III Liquid Coverage Ratio
59
Demographic Forecast
61
Table: Romania's Population By Age Group, 1990-2020 ('000)
62
Table: Romania's Population By Age Group, 1990-2020 (% of total)
63
Table: Romania's Key Population Ratios, 1990-2020
64
Table: Romania's Rural And Urban Population, 1990-2020
64
Methodology
65
Table: Commercial Banking Risk/Reward Rating Indicators And Rationale
67
Table: Weighting Of Indicators
68

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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