CEE Banking Series: Banking Market in Romania 2017

  • ID: 4372383
  • Report
  • Region: Romania
  • 43 Pages
  • Inteliace Research
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Present Market Structure, Recent Trends in the Banking Market, and Short Term Estimates of Key Retail and Corporate Volumes for the Years 2017-2019

FEATURED COMPANIES

  • Alpha Bank
  • Banca Transilvania
  • BRD Groupe SG
  • Citibank Europe plc
  • ING Bank N.V.
  • Raiffeisen Bank
  • MORE

Banking Market in Romania 2017 is the latest publication on the banking sector in Romania. It describes the present market structure and recent trends in the banking market. It also provides short term estimates of key retail and corporate volumes for the years 2017-2019.

When preparing this report we have responded to the feedback received form our customers and have incorporated a few improvements making this issue more client-friendly and informative.

Summary

The Romanian economy has accelerated in 2016 with Gross Domestic Product (GDP) advancing at 4.8 % annual rate. The key driver of the growth was private consumption fueled by lower taxes, surging wages and falling unemployment. Labour market improved further with unemployment rate decreasing to 5.3% in Q2 2017 as opposed to 6.0% a year earlier. The consumer price index (CPI) rebounded from a negative territory in 2016 to +0.7% YoY in June 2017 and it remains on an ascending path.

Romania has the 4th largest banking sector in the CEE with nearly €87 billion in total assets and a 7.5% regional share. Total banking assets in Romania increased by 4.4% YoY to a record of RON 394 billion as of December 2016. Client deposits at banks recorded strong 12% YoY growth to nearly RON 333 billion with government and household deposits increasing most quickly. By contrast, the outstanding client loans increased only by a fraction in 2016 and reached RON 231 billion. This was a consequence of a continued contraction in corporate lending and a still slow growth in retail loans. One of most encouraging trends recently has been the falling ratio of non-performing loans which has halved since 2014. Banking sector has also made a significant progress in reducing currency risk as the share of outstanding loans denominated in foreign currency has fallen substantially, in particular in case of corporate and mortgage loans.

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FEATURED COMPANIES

  • Alpha Bank
  • Banca Transilvania
  • BRD Groupe SG
  • Citibank Europe plc
  • ING Bank N.V.
  • Raiffeisen Bank
  • MORE

Executive Summary

1. Macroeconomic overview
Slide 1: Background: country map, demographic & social statistics, 2016
Slide 2: Consumer markets in Europe and Romania, 2015/2016
Slide 3: GDP, CPI, Exchange rate, 2010-2016
Slide 4: Consumption expenditure of households, 2010-2016
Slide 5: Wages and unemployment, 2010-2016
Slide 6: Government budget and taxation, 2010-2017F
Slide 7: Foreign trade, current account and FDI, 2010-2016
Slide 8: Stock market performance and capitalization, 2010-2016
Slide 9: Market interest rates, 2012-1H2017
Slide 10: Interest rates at banks and NPLs, 2012-1H2017
 
2. Banking market
Slide 11: CEE banking markets: growth vs. assets per capita, 2014-2016
Slide 12: CEE benchmarks: Assets/capita, Assets/GDP penetration, 2016
Slide 13: Banking assets evolution, in RON and EUR
Slide 14: Market concentration, share of top banks, HHI index, 2014-2016
Slide 15: TOP 12 banks in Romania by assets, market share, 2016

3. Market segments
Slide 16: Total client deposits, evolution by segment, 2012-2016
Slide 17: Household deposits, by currency and by maturity, 2012-2016
Slide 18: Personal Financial Assets by type , 2014-2016
Slide 19: Total client loans, evolution by segment, 2012-2016
Slide 20: Household loans, evolution by currency and by type, 2012-2016
Slide 21: Mortgage loans, evolution by currency, 2012-2016
Slide 22: Corporate loans, evolution by currency and by type, 2012-2016
Slide 23: Top players, retail banking, by deposits and by loans, 2016
Slide 24: Top players, retail banking, by deposits and by loans, 2016
Slide 25: Payments: # cards, ATMs, POS, card payments, 15Q1-17Q1

4. Profitability & top bank profiles
Slide 26: Top 5 banks profitability tree, 2016, percent of average assets, cost income ratio, ROE
Slide 27: Bank profile: Banca Comerciala Româna
Slide 28: Bank profile: Banca Transilvania
Slide 29: Bank profile: BRD-Groupe Société Générale

5. Mid-term forecasts
Slide 30: Forecast: Retail deposits and retail loans, 2017-2019
Slide 31: Forecast: Corporate deposits and corporate loans, 2017-2019
Slide 32: Forecast: Banking assets, 2017-2019

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  • Alpha Bank
  • Banca Comerciala Româna
  • Banca Transilvania
  • Bancpost
  • BRD Groupe SG
  • CEC Bank
  • Citibank Europe plc
  • Garanti Bank
  • ING Bank N.V.
  • OTP Bank
  • Raiffeisen Bank
  • UniCredit Bank
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