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Banca Transilvania

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Banca Transilvania

Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services such as lending services, financial consulting and planning, financial advisory,

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Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services such as lending services, financial consulting and planning, financial advisory, financial products and services such as loans, mortgages, card services, transfer of money, tax assistance or treasury activities. At the end of 2013, the Bank had 542 branches and 6,042 employees throughout Romania. Banca Transilvania S.A. was incorporated in 1993 and is headquartered in Cluj-Napoca, Romania

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summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

            754 996 914 969 1,023    
            1,317 1,542 1,490 1,640 1,817    
            600 801 671 754 882    
            138 134 297 342 397    

balance sheet

            1,536 1,237 779 1,405 1,761    
            11,482 12,216 13,978 15,361 16,578    
            3,083 4,231 6,333 6,949 9,382    
            19,613 21,730 26,009 29,711 32,237    
            1,838 2,090 2,392 2,815 3,183    
            2,420 1,926 2,844 3,082 2,566    
            14,989 17,279 20,257 23,167 25,741    
            255 258 260 289 338    

ratios

            7.92% 6.81% 13.3% 13.1% 13.2%    
            0.753% 0.647% 1.24% 1.23% 1.28%    
            3.90% 3.59% 3.43% 3.18% 3.02%    
            54.5% 48.1% 54.9% 54.0% 51.5%    
... ...       ... ... ... ... ... 15.2%    
            4.10% 4.82% 3.83% 3.48% 3.30%    
            57.3% 64.6% 61.3% 59.1% 56.3%    
            28.2% 24.8% 27.0% 26.7% 20.5%    
            48.7% 50.4% 47.7% 48.6% 49.4%    
            9.37% 9.62% 9.20% 9.47% 9.87%    
            76.6% 70.7% 69.0% 66.3% 64.4%    
            58.5% 56.2% 53.7% 51.7% 51.4%    
... ... ...       15.6% 33.7% 17.8% 12.7% 13.8%    
... ... ...       40.4% 29.7% 61.5% 98.0% 97.4%    

valuation

... ...         346 326 324 531 967    
            1,086 1,471 1,774 1,903 2,206    
... ...         0.940 0.710 0.610 0.940 1.42    
            0.127 0.091 0.167 0.179 0.180    
            1.69 1.42 1.35 1.48 1.44    
... ... ... ...     < 0.001 0.001 0.000 0.000 ... ... ...
... ...         7.38 7.80 3.64 5.24 7.90    
... ...         0.556 0.500 0.452 0.635 0.984    
... ... ... ...     0.007% 0.179% 0.000% 0.000% ... ... ...
...           -62.7% -28.5% 84.1% 7.17% 0.213%    
...           8.25% -16.0% -5.11% 9.69% -2.48%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

Interest Income RON mil
Interest Cost RON mil
Net Interest Income RON mil
Net Fee Income RON mil
Other Income RON mil
Total Revenues RON mil
Staff Cost RON mil
Depreciation RON mil
Other Cost RON mil
Operating Cost RON mil
Operating Profit RON mil
Provisions RON mil
Extra and Other Cost RON mil
Pre-Tax Profit RON mil
Tax RON mil
Minorities RON mil
Net Profit RON mil
Dividends RON mil
            2,109 1,894 1,836 2,055 1,879    
            1,355 898 922 1,086 856    
            754 996 914 969 1,023    
            371 383 403 437 372    
            192 163 173 234 422    
            1,317 1,542 1,490 1,640 1,817    
            349 373 390 431 462    
            68.0 60.9 63.8 54.7 65.2    
            300 307 364 400 408    
            717 741 818 886 936    
            600 801 671 754 882    
            772 1,358 1,722 2,174 2,576    
            -48.9 -4.74 0.000 -1.17 0.000    
            158 159 355 371 467    
            21.0 24.5 58.2 24.5 69.8    
            -1.61 0.190 0.229 4.93 0.788    
            138 134 297 342 397    
... ... ... ...     0.076 1.87 0.000 0.000 ... ... ...

growth rates

...           27.3% 32.1% -8.28% 6.01% 5.64%    
...           -2.72% 3.20% 5.25% 8.61% -14.9%    
...           21.2% 17.1% -3.38% 10.1% 10.8%    
...           -3.53% 3.37% 10.4% 8.22% 5.64%    
...           74.8% 33.5% -16.2% 12.4% 16.9%    
...           -62.9% 0.477% 124% 4.38% 26.0%    
...           -61.8% -3.27% 122% 15.0% 16.2%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

balance sheet

            3,187 3,701 4,550 5,579 4,106    
            1,536 1,237 779 1,405 1,761    
            11,482 12,216 13,978 15,361 16,578    
... ...         6,934 7,874 9,798 11,112 12,257   ...
            3,083 4,231 6,333 6,949 9,382    
            326 345 368 416 413    
            19,613 21,730 26,009 29,711 32,237    
            1,838 2,090 2,392 2,815 3,183    
            7.80 2.11 2.03 35.6 2.65    
            17,775 19,640 23,617 26,896 29,054    
            2,420 1,926 2,844 3,082 2,566    
            14,989 17,279 20,257 23,167 25,741    
... ...         9,999 11,164 13,406 15,669 17,090   ...
... ...         4,991 6,116 6,851 7,498 8,651   ...
... ... ... ... ... ... ... ... ... ... 5,206   ...
... ... ... ... ... ... ... ... ... ... 20,055   ...
            255 258 260 289 338    
            111 177 255 358 410    

asset quality

Non-Performing Loans RON mil
Gross Loans RON mil
Provisions RON mil
... ... ...       1,911 4,574 2,799 2,219 2,646    
            12,253 13,574 15,700 17,535 19,154    
            772 1,358 1,722 2,174 2,576    

growth rates

...           5.48% 6.39% 14.4% 9.90% 7.92%    
... ... ...       7.33% 5.99% 8.95% 8.81% 7.55%   ...
... ... ...       7.60% 13.5% 24.4% 13.4% 10.3%   ...
...           14.4% 10.8% 19.7% 14.2% 8.50%    
...           11.0% 13.7% 14.4% 17.7% 13.1%    
...           23.9% 15.3% 17.2% 14.4% 11.1%    
... ... ...       31.5% 11.7% 20.1% 16.9% 9.07%   ...
... ... ...       11.0% 22.5% 12.0% 9.44% 15.4%   ...

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

ratios

            7.92% 6.81% 13.3% 13.1% 13.2%    
            0.753% 0.647% 1.24% 1.23% 1.28%    
            3.90% 3.59% 3.43% 3.18% 3.02%    
            54.5% 48.1% 54.9% 54.0% 51.5%    
... ...       ... ... ... ... ... 15.2%    
... ... ...     ... ... ... ... ... ...    
            4.10% 4.82% 3.83% 3.48% 3.30%    
...           3.33% 4.36% 3.43% 3.08% 3.01%    
            11.5% 9.16% 7.69% 7.37% 6.07%    
...           8.15% 4.80% 4.26% 4.30% 3.06%    
... ... ... ...     0.055% 1.40% 0.000% 0.000% ... ... ...
            57.3% 64.6% 61.3% 59.1% 56.3%    
            28.2% 24.8% 27.0% 26.7% 20.5%    
            14.5% 10.6% 11.6% 14.3% 23.2%    
            1,558 1,485 1,571 1,525 1,817    
            4,748 4,726 4,791 5,292 6,047    
            48.7% 50.4% 47.7% 48.6% 49.4%    
            9.37% 9.62% 9.20% 9.47% 9.87%    
            76.6% 70.7% 69.0% 66.3% 64.4%    
            58.5% 56.2% 53.7% 51.7% 51.4%    
... ... ...       15.6% 33.7% 17.8% 12.7% 13.8%    
... ... ...       40.4% 29.7% 61.5% 98.0% 97.4%    
            6.72% 11.1% 12.3% 14.2% 15.5%    
            4.39% 5.46% 2.41% 2.62% 2.59%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

other data

            515 535 553 551 542   ...
            6,126 6,584 6,788 6,780 6,370    
            766 805 840 868 879   ...
... ... ... ... ... ... ... ... ... ... 20.2%   ...

Download Data
Banca Transilvania at a Glance

Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services

Read more »

Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services such as lending services, financial consulting and planning, financial advisory, financial products and services such as loans, mortgages, card services, transfer of money, tax assistance or treasury activities. At the end of 2013, the Bank had 542 branches and 6,042 employees throughout Romania. Banca Transilvania S.A. was incorporated in 1993 and is headquartered in Cluj-Napoca, Romania.

This report offers a summary of the company's performance in 2003-2013. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Romanian banking market

Banca Transilvania in Numbers

Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services

Read more »

Banca Transilvania SA is a Romanian-based bank. The bank offers financial services both for corporate and individual customers. Its main financial activities are divided into seven segments: Corporate Client, Small & Medium-sized Client (SME), Individual Client, Healthcare, Treasury, Leasing and Loans and Other. The Bank offers a wide range of products and services such as lending services, financial consulting and planning, financial advisory, financial products and services such as loans, mortgages, card services, transfer of money, tax assistance or treasury activities. At the end of 2013, the Bank had 542 branches and 6,042 employees throughout Romania. Banca Transilvania S.A. was incorporated in 1993 and is headquartered in Cluj-Napoca, Romania.

This excel file offers a summary of the company's performance in 2003-2013. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

In addition, we provide an overview of the bank's market position on the Romanian banking market

Banca Transilvania generated total banking revenues of RON 4,128 mil in 2015, up 91.9% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached

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Banca Transilvania generated total banking revenues of RON 4,128 mil in 2015, up 91.9% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RON 4,128 mil in 2015 and an all time low of RON 168 mil in 2003. The average revenue in the last five years amounted to RON 2,245 mil.

Net interest income represented 34.4% of total revenues, fee income contributed 11.8% and other non-interest income added further 53.8% to the overall revenue generation in 2015.

Bank's total revenues accounted for 8.70% total assets in 2015, up from 6.01% a year earlier.

When compared to bank's main peers, Banca Commerciala Romana generated total revenues of 4.94% of assets in 2015, BRD Groupe Societe Generale operated with 5.17% revenue margin and Raiffeisen Bank Romania produced total income worth 6.38% of assets.

You can see all the bank’s data at Banca Transilvania Profile, or you can download a report on the bank in the report section.

Banca Transilvania made a net profit of RON 2,449 mil under revenues of RON 4,128 mil in 2015, up 455% and 91.9% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of RON 2,449

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Banca Transilvania made a net profit of RON 2,449 mil under revenues of RON 4,128 mil in 2015, up 455% and 91.9% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of RON 2,449 mil in 2015 and an all time low of RON 31.3 mil in 2003. The average profit in the last five years amounted to RON 785 mil.

On the other hand, bank’s revenues amounted to an all time high of RON 4,128 mil in 2015 and an all time low of RON 168 mil in 2003. The average revenues in the last five years reached RON 2,245 mil.

When compared to bank's main peers, Banca Commerciala Romana generated a net profit of RON 919 mil with revenues of RON 3,080 mil in 2015, BRD Groupe Societe Generale netted RON 466 mil (revenues of RON 2,595 mil) and Raiffeisen Bank Romania announced a net profit of RON 426 mil (revenues of RON 2,008 mil).

You can see all the bank’s data at Banca Transilvania Profile, or you can download a report on the bank in the report section.

Banca Transilvania's cost to income ratio reached 44.2% in 2014, down from 51.5% when compared to the previous year.

Historically, the bank’s costs reached an all time high of 77.8% of income in 2006 and an all time low of

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Banca Transilvania's cost to income ratio reached 44.2% in 2014, down from 51.5% when compared to the previous year.

Historically, the bank’s costs reached an all time high of 77.8% of income in 2006 and an all time low of 44.2% in 2014.

When compared to total assets, bank's cost amounted to 2.80% in 2014, down from 3.02% a year earlier.

Staff accounted for 49.9% of total operating expenditures in 2014. The bank operated a network of 548 branches and employed 6,576 persons in 2014.

When compared to bank's main peers, BRD Groupe Societe Generale operated in 2014 with a cost to income ratio of 50.6% in 2014, and Raiffeisen Bank Romania reached 55.4%.

You can see all the bank’s data at Banca Transilvania Profile, or you can download a report on the bank in the report section.

Banca Transilvania's net interest margin amounted to 3.41% in 2015, down from 3.46% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 7.33% in 2004 and an all time

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Banca Transilvania's net interest margin amounted to 3.41% in 2015, down from 3.46% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 7.33% in 2004 and an all time low of 3.30% in 2013. The average margin in the last five years amounted to 3.50%.

Average asset yield was 4.53% in 2015, down from 5.28% when compared to previous year. On the other hand, cost of funding amounted to 1.27% in 2015, down from 2.04%.

When compared to bank's main peers, Banca Commerciala Romana operated in 2015 with a net interest margin of 3.21% in 2015, BRD Groupe Societe Generale reached 3.15% and Raiffeisen Bank Romania some 3.50%.

You can see all the bank’s data at Banca Transilvania Profile, or you can download a report on the bank in the report section.

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