Market player

Total assets
(mn RON, 2013) (used
as criteria, found on the
internet)

BANCA COMERCIALA ROMANA S.A.

63,510.0

BRD - Groupe Societe Generale S.A.

47,079.1

BANCA TRANSILVANIA S.A.

32,065.9

UNICREDIT TIRIAC BANK S.A.

27,457.9

RAIFFEISEN BANK SA
CEC BANK S.A.
ALPHA BANK ROMANIA S.A.

26,942.2
26,883.6
16,272.5

Bancpost S.A.

12,184.6

CREDIT EUROPE BANK (ROMANIA) S.A.

5,163.5

BANCA COMERCIALA INTESA SANPAOLO

ROMANIA S.A.

5,092.6

Formule:
ROE
ROE (Return on Equity);
ROA
ROA (Return on Assets);
NIM
NIM (Net interest margin);
Core
Core capital (leverage) ratio (%)

Net profit after taxes / equity capital

Net profit after taxes / assets
(Interest income - Interest expenses) / Assets
Tier I Capital / Total Assets

Noncurrent
Noncurrent assets plus other real estate
owned to assets (%)
a percentage representing that amount of debt that a comp
Net
Net charge-offs to loans (%)
Asset
Asset growth rate (%)
Subtract your prior asset value from your current asset va
Net
Net operating income growth (%)

*Tier I Capital includes common equity, retained earnings, paid-in capital and disclosed capital reserves
(1)Non-current assets for a bank could be anything from buildings used as bank branches to office equip

net profit after

taxes

equity capital

prior asset value

2012

assets
2013

335,527

7,524,850

70,531,183

63,509,963

-387,538
374,898

5,396,502
3,082,494

48,890,590
29,572,074

47,991,479
32,065,865

94,402.52
483,105
43,628
2,922,200

2,865,920.01
3,072,547
2,063,813
8,300,000

25,053,423.85
24,022,231
26,872,745
58,357,325

28,517,473.10
26,942,239
26,883,648
73,700,000

-134,675

1,455,496

12,184,644

11,870,001

7,725

747,733

5,034,783

5,229,633

-165,384.39

726,696

5,065,672

5,092,627

es / equity capital
es / assets
Interest expenses) / Assets

senting that amount of debt that a company believes it will never collect compared to average receivables
r asset value from your current asset value to find the growth of your assets. Divide the growth of your assets by th

-in capital and disclosed capital reserves.

gs used as bank branches to office equipment. These are used in the regular course of business, as part of the proc

interest
income

interest
expenses

tier I capital (common

equity, retained earnings,
paid-in capital and
disclosed capital reserves.)
- capital social+rezultat
reportat+prime de
capital+alte rezerve

noncurrent
assets

2,716,457

717,464

7,110,806 n/a

2,678,288
1,846,013

950,163
855,631

5,270,943 n/a
3,082,494 n/a

1,401,363
620,189.74
1,600,700
475,557
1,637,593
777,610
1,657,800

2,865,920.01 n/a
3,072,547 n/a
1,590,044 n/a
8,300,000 n/a

703,332

391,661

1,455,496 n/a

418,106

221,582

747,733 n/a

273,131

124,200

726,696 n/a

verage receivables
e growth of your assets by the prior value of your assets. Multiply the result by 100 to find the growth of the assets

business, as part of the process of producing income. (2)Other Real Estate Owned (OREO) are assets that the bank

real estate
owned

bad debt

average
receivables

ROE

ROA

n/a

n/a

n/a

0.04718551 0.0052831

n/a
n/a

n/a

n/a
28,983,371 n/a

-0.071812815 -0.008075
0.12162165 0.0116915

25,651,553.09 n/a
n/a
n/a
n/a

0.03293969 0.0033103
0.15723275 0.0179311
0.02113951 0.0016228
0.35207229 0.0396499

n/a
n/a
n/a
n/a

n/a
n/a
n/a

n/a
n/a

n/a

10,414,505 n/a
n/a

n/a

4,365,931 n/a

find the growth of the assets as a percentage.

-0.0925286

-0.011346

0.01033123 0.0014772

-0.227584

-0.032475

EO) are assets that the bank owns, usually obtained through foreclosure

NIM

core
capital
ratio

Asset
growth
rate

0.03147527 0.11196363

1.110553

0.036009 0.1098308
0.03088587 0.0961301

1.0187348
0.9222291

0.02739281
0.0417613
0.03198907
0.02249389

0.100497 0.8785289
0.114042 0.8916197
0.0591454 0.9995944
0.1126187 0.0280029

0.02625703

0.1226197

1.0265074

0.03757893

0.14298

0.9627412

0.02924455

0.1426957

0.9947071

Sistem rating
ROA
ROE
net interest margin
core capital ratio
asseet growth rate

A
0.26 +
0.81+
0.0426 +
0.111 +
5.6 +

B
(0.13;0.25)
(0.76;0.80)
(0.0326;0.0425)
(0.0901;0.110)
(4.6;5.5)

C
(0;0.12)
(0.71;0.75)
(0.0226;0.0325)
(0.0701;0.0900)
(3.6;4.5)

* Sistem de rating inventat, simplist

**foloseste ca mediana valorile preluate in stanga din slideuri desi sunt pe 2009 iar ana

D
(-0.12;0)
(0.66;0.70)
(0.0126;0.0225)
(0.0501;0.0700)
(2.6;3.5)

E
(-0.23) 0.61 0.0125 0.0500 2.6 -

sunt pe 2009 iar analiza pe 2013

Banca
ROA
ROE
net interest margin
core capital ratio
asseet growth rate
rating compus

BANCA COMERCIALA
ROMANA S.A.
0.04719
0.00528
0.03148
0.11196
1.11055

BANCA COMERCIALA BRD - Groupe Societe BANCA TRANSILVANIA UNICREDIT TIRIAC

ROMANA S.A.
Generale S.A.
S.A.
BANK S.A.
C
E
C
A
E

-0.071813 D
-0.008075 E
0.036009 B
0.109831 B
1.018735 E

0.12162 C
0.01169 E
0.03089 C
0.09613 B
0.92223 E

0.03294 C
0.00331 E
0.02739 C
0.1005 B
0.87853 E

RAIFFEISEN
BANK SA
0.1572 B
0.0179 E
0.0418 B
0.114 A
0.8916 E

CEC BANK S.A.

0.02114 C
0.00162 E
0.03199 C
0.05915 D
0.99959 E

ALPHA BANK
ROMANIA S.A.

Bancpost S.A.

0.35207 A
0.03965 E
0.02249 B
0.11262 A
0.028 E

-0.09253 D
-0.01135 E
0.02626 C
0.12262 A
1.02651 E

CREDIT EUROPE
BANCA COMERCIALA INTESA
BANK (ROMANIA) S.A. SANPAOLO ROMANIA S.A.
0.01033 C
0.00148 E
0.03758 B
0.14298 A
0.96274 E

-0.22758 E
-0.03248 E
0.02924 C
0.1427 A
0.99471 E