By Helgi Analytics - July 16, 2018
Banca Transilvania's customer loans reached RON 30,248 mil in 2017, up 11.1% compared to the previous year. Romanian banking se...
By Helgi Analytics - July 16, 2018
Banca Transilvania's customer deposits reached RON 48,932 mil in 2017, up 17.4% compared to the previous year. Romanian banking...
By Helgi Analytics - July 16, 2018
Banca Transilvania's retail deposits reached RON 30,401 mil in 2017, up 15.4% compared to the previous year. Romanian banking s...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RON mil | 1,952 | 1,764 | 1,890 |
| Net Fee Income | RON mil | 487 | 546 | 627 |
| Other Income | RON mil | 510 | 750 | 449 |
| Total Revenues | RON mil | 2,949 | 3,061 | 2,966 |
| Staff Cost | RON mil | 677 | 666 | 763 |
| Operating Profit | RON mil | 1,448 | 1,717 | 1,471 |
| Provisions | RON mil | 798 | 658 | 28.8 |
| Net Profit | RON mil | 2,446 | 1,272 | 1,239 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RON mil | 3,909 | 2,564 | 5,090 |
| Customer Loans | RON mil | 25,226 | 27,234 | 30,248 |
| Debt Securities | RON mil | 12,417 | 15,400 | 16,319 |
| Total Assets | RON mil | 47,579 | 51,944 | 59,804 |
| Shareholders' Equity | RON mil | 6,241 | 6,153 | 7,140 |
| Interbank Borrowing | RON mil | 1,518 | 2,552 | 1,615 |
| Customer Deposits | RON mil | 38,302 | 41,682 | 48,932 |
| Issued Debt Securities | RON mil | 416 | 424 | 415 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 48.7 | 20.5 | 18.6 |
| ROA | % | 5.87 | 2.56 | 2.22 |
| Costs (As % Of Assets) | % | 3.60 | 2.70 | 2.68 |
| Costs (As % Of Income) | % | 50.9 | 43.9 | 50.4 |
| Capital Adequacy Ratio | % | 22.3 | 19.0 | 21.1 |
| Net Interest Margin | % | 4.68 | 3.54 | 3.38 |
| Loans (As % Of Deposits) | % | 65.9 | 65.3 | 61.8 |
| NPLs (As % Of Loans) | % | 15.8 | 10.7 | 8.22 |
| Provisions (As % Of NPLs) | % | 63.2 | 71.3 | 70.9 |
| Valuation | 2015 | 2016 | 2017 | |
| Market Capitalisation (End Of Period) | USD mil | 1,608 | 2,016 | 2,422 |
| Share Price (End Of Period) | RON | 1.69 | 1.99 | 2.17 |
| Price/Earnings (P/E) | 2.73 | 6.82 | 7.59 | |
| Price/Book Value (P/BV) | 1.07 | 1.41 | 1.32 | |
| Dividend Yield | % | 18.0 | 2.52 | 6.49 |
| Earnings Per Share (EPS) | RON | 0.620 | 0.292 | 0.286 |
| Book Value Per Share | RON | 1.58 | 1.41 | 1.65 |
| Dividend Per Share | 0.304 | 0.050 | 0.141 | |
Get all company financials in excel:
| summary | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Net Interest Income | RON mil | 914 | 969 | 1,023 | 1,176 | 1,952 | ||||||||||
| Total Revenues | RON mil | 1,490 | 1,640 | 1,817 | 2,151 | 2,949 | ||||||||||
| Operating Profit | RON mil | 671 | 754 | 882 | 1,200 | 1,448 | ||||||||||
| Net Profit | RON mil | 297 | 342 | 397 | 441 | 2,446 | ||||||||||
| balance sheet | ||||||||||||||||
| Interbank Loans | RON mil | 779 | 1,405 | 1,761 | 2,387 | 3,909 | ||||||||||
| Customer Loans | RON mil | 13,978 | 15,361 | 16,578 | 17,419 | 25,226 | ||||||||||
| Debt Securities | RON mil | 6,333 | 6,949 | 9,382 | 11,160 | 12,417 | ||||||||||
| Total Assets | RON mil | 26,009 | 29,711 | 32,237 | 35,796 | 47,579 | ||||||||||
| Shareholders' Equity | RON mil | 2,392 | 2,815 | 3,183 | 3,797 | 6,241 | ||||||||||
| Interbank Borrowing | RON mil | 2,844 | 3,082 | 2,566 | 1,186 | 1,518 | ||||||||||
| Customer Deposits | RON mil | 20,257 | 23,167 | 25,741 | 29,995 | 38,302 | ||||||||||
| Issued Debt Securities | RON mil | 260 | 289 | 338 | 395 | 416 | ||||||||||
| ratios | ||||||||||||||||
| ROE | % | 13.3 | 13.1 | 13.2 | 12.6 | 48.7 | ||||||||||
| ROA | % | 1.24 | 1.23 | 1.28 | 1.30 | 5.87 | ||||||||||
| Costs (As % Of Assets) | % | 3.43 | 3.18 | 3.02 | 2.80 | 3.60 | ||||||||||
| Costs (As % Of Income) | % | 54.9 | 54.0 | 51.5 | 44.2 | 50.9 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 13.8 | 17.6 | 22.3 | |||||
| Net Interest Margin | % | 3.83 | 3.48 | 3.30 | 3.46 | 4.68 | ||||||||||
| Interest Income (As % Of Revenues) | % | 61.3 | 59.1 | 56.3 | 54.7 | 66.2 | ||||||||||
| Fee Income (As % Of Revenues) | % | 27.0 | 26.7 | 20.5 | 19.8 | 16.5 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | 47.7 | 48.6 | 49.4 | 49.9 | 45.1 | ||||||||||
| Equity (As % Of Assets) | % | 9.20 | 9.47 | 9.87 | 10.6 | 13.1 | ||||||||||
| Loans (As % Of Deposits) | % | 69.0 | 66.3 | 64.4 | 58.1 | 65.9 | ||||||||||
| Loans (As % Assets) | % | 53.7 | 51.7 | 51.4 | 48.7 | 53.0 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 17.8 | 12.7 | 13.8 | 17.8 | 15.8 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 61.5 | 98.0 | 97.4 | 69.9 | 63.2 | |||||||
| valuation | ||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | 324 | 531 | 967 | 1,331 | 1,608 | ||||||||
| Number Of Shares (Average) | mil | 1,774 | 1,903 | 2,206 | 3,007 | 3,946 | ||||||||||
| Share Price (End Of Period) | RON | ... | ... | 0.610 | 0.940 | 1.42 | 1.64 | 1.69 | ||||||||
| Earnings Per Share (EPS) | RON | 0.167 | 0.179 | 0.180 | 0.147 | 0.620 | ||||||||||
| Book Value Per Share | RON | 1.35 | 1.48 | 1.44 | 1.26 | 1.58 | ||||||||||
| Dividend Per Share | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0.304 | |||||||
| Price/Earnings (P/E) | ... | ... | 3.64 | 5.24 | 7.90 | 11.2 | 2.73 | |||||||||
| Price/Book Value (P/BV) | ... | ... | 0.452 | 0.635 | 0.984 | 1.30 | 1.07 | |||||||||
| Dividend Yield | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 18.0 | ||||||
| Earnings Per Share Growth | % | ... | 84.1 | 7.17 | 0.213 | -18.4 | 323 | |||||||||
| Book Value Per Share Growth | % | ... | -5.11 | 9.69 | -2.48 | -12.5 | 25.2 |
| income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Interest Income | RON mil | 1,836 | 2,055 | 1,879 | 1,798 | 2,417 | ||||||||||
| Interest Cost | RON mil | 922 | 1,086 | 856 | 622 | 465 | ||||||||||
| Net Interest Income | RON mil | 914 | 969 | 1,023 | 1,176 | 1,952 | ||||||||||
| Net Fee Income | RON mil | 403 | 437 | 372 | 426 | 487 | ||||||||||
| Other Income | RON mil | 173 | 234 | 422 | 550 | 510 | ||||||||||
| Total Revenues | RON mil | 1,490 | 1,640 | 1,817 | 2,151 | 2,949 | ||||||||||
| Staff Cost | RON mil | 390 | 431 | 462 | 474 | 677 | ||||||||||
| Depreciation | RON mil | 63.8 | 54.7 | 65.2 | 66.1 | 91.7 | ||||||||||
| Other Cost | RON mil | 364 | 400 | 408 | 411 | 733 | ||||||||||
| Operating Cost | RON mil | 818 | 886 | 936 | 951 | 1,502 | ||||||||||
| Operating Profit | RON mil | 671 | 754 | 882 | 1,200 | 1,448 | ||||||||||
| Provisions | RON mil | 316 | 384 | 414 | 684 | 798 | ||||||||||
| Extra and Other Cost | RON mil | 0 | -1.17 | 0 | 0 | -1,651 | ||||||||||
| Pre-Tax Profit | RON mil | 355 | 371 | 467 | 516 | 2,301 | ||||||||||
| Tax | RON mil | 58.2 | 24.5 | 69.8 | 73.2 | -147 | ||||||||||
| Minorities | RON mil | 0.229 | 4.93 | 0.788 | 1.37 | 1.89 | ||||||||||
| Net Profit | RON mil | 297 | 342 | 397 | 441 | 2,446 | ||||||||||
| Dividends | RON mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 1,200 | ||||||
| growth rates | ||||||||||||||||
| Net Interest Income Growth | % | ... | -8.28 | 6.01 | 5.64 | 14.9 | 66.0 | |||||||||
| Net Fee Income Growth | % | ... | 5.25 | 8.61 | -14.9 | 14.3 | 14.4 | |||||||||
| Total Revenue Growth | % | ... | -3.38 | 10.1 | 10.8 | 18.4 | 37.1 | |||||||||
| Operating Cost Growth | % | ... | 10.4 | 8.22 | 5.64 | 1.65 | 57.9 | |||||||||
| Operating Profit Growth | % | ... | -16.2 | 12.4 | 16.9 | 36.1 | 20.6 | |||||||||
| Pre-Tax Profit Growth | % | ... | 124 | 4.38 | 26.0 | 10.3 | 346 | |||||||||
| Net Profit Growth | % | ... | 122 | 15.0 | 16.2 | 11.2 | 455 | |||||||||
| market share | ||||||||||||||||
| Market Share in Revenues | % | 6.51 | ... | ... | ... | ... | ... | ... | ||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Market Share in Employees | % | 10.3 | 11.0 | 10.9 | 11.4 | 12.9 | ||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.1 | ... | |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Market Share in Branches | % | 9.15 | 9.63 | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||
| Cash | RON mil | 4,550 | 5,579 | 4,106 | 4,234 | 4,998 | ||||||||||
| Interbank Loans | RON mil | 779 | 1,405 | 1,761 | 2,387 | 3,909 | ||||||||||
| Customer Loans | RON mil | 13,978 | 15,361 | 16,578 | 17,419 | 25,226 | ||||||||||
| Retail Loans | RON mil | ... | ... | 5,874 | 6,392 | 6,874 | 7,558 | 13,759 | ||||||||
| Mortgage Loans | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,650 | 2,700 | 5,420 | ||
| Consumer Loans | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,225 | 4,858 | 8,339 | ||
| Corporate Loans | RON mil | ... | ... | 9,798 | 11,112 | 12,257 | 12,364 | 14,254 | ||||||||
| Debt Securities | RON mil | 6,333 | 6,949 | 9,382 | 11,160 | 12,417 | ||||||||||
| Fixed Assets | RON mil | 368 | 416 | 413 | 412 | 527 | ||||||||||
| Total Assets | RON mil | 26,009 | 29,711 | 32,237 | 35,796 | 47,579 | ||||||||||
| Shareholders' Equity | RON mil | 2,392 | 2,815 | 3,183 | 3,797 | 6,241 | ||||||||||
| Of Which Minority Interest | RON mil | 2.03 | 35.6 | 2.65 | 4.17 | 6.12 | ||||||||||
| Liabilities | RON mil | 23,617 | 26,896 | 29,054 | 31,999 | 41,338 | ||||||||||
| Interbank Borrowing | RON mil | 2,844 | 3,082 | 2,566 | 1,186 | 1,518 | ||||||||||
| Customer Deposits | RON mil | 20,257 | 23,167 | 25,741 | 29,995 | 38,302 | ||||||||||
| Retail Deposits | RON mil | ... | ... | 13,406 | 15,669 | 17,090 | 18,612 | 23,286 | ||||||||
| Corporate Deposits | RON mil | ... | ... | 6,851 | 7,498 | 8,651 | 11,383 | 15,015 | ||||||||
| Sight Deposits | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,206 | 7,150 | 11,666 | ||
| Term Deposits | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20,535 | 22,845 | 26,635 | ||
| Issued Debt Securities | RON mil | 260 | 289 | 338 | 395 | 416 | ||||||||||
| Other Liabilities | RON mil | 255 | 358 | 410 | 423 | 1,102 | ||||||||||
| asset quality | ||||||||||||||||
| Non-Performing Loans | RON mil | ... | ... | ... | 2,799 | 2,219 | 2,646 | 3,582 | 4,412 | |||||||
| Gross Loans | RON mil | 15,700 | 17,535 | 19,154 | 20,167 | 28,012 | ||||||||||
| Total Provisions | RON mil | 1,722 | 2,174 | 2,576 | 2,503 | 2,787 | ||||||||||
| growth rates | ||||||||||||||||
| Customer Loan Growth | % | ... | 14.4 | 9.90 | 7.92 | 5.07 | 44.8 | |||||||||
| Retail Loan Growth | % | ... | ... | ... | 8.95 | 8.81 | 7.55 | 9.95 | 82.0 | |||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 63.6 | 101 | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -7.01 | 71.6 | ||
| Corporate Loan Growth | % | ... | ... | ... | 24.4 | 13.4 | 10.3 | 0.876 | 15.3 | |||||||
| Total Asset Growth | % | ... | 19.7 | 14.2 | 8.50 | 11.0 | 32.9 | |||||||||
| Shareholders' Equity Growth | % | ... | 14.4 | 17.7 | 13.1 | 19.3 | 64.4 | |||||||||
| Customer Deposit Growth | % | ... | 17.2 | 14.4 | 11.1 | 16.5 | 27.7 | |||||||||
| Retail Deposit Growth | % | ... | ... | ... | 20.1 | 16.9 | 9.07 | 8.91 | 25.1 | |||||||
| Corporate Deposit Growth | % | ... | ... | ... | 12.0 | 9.44 | 15.4 | 31.6 | 31.9 | |||||||
| market share | ||||||||||||||||
| Market Share in Customer Loans | % | 6.27 | 6.80 | 7.59 | 8.25 | 11.6 | ||||||||||
| Market Share in Corporate Loans | % | ... | ... | 8.49 | 9.35 | 10.9 | 11.7 | 13.6 | ||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.37 | 8.45 | 14.9 | ||
| Market Share in Consumer Loans | % | ... | ... | 5.63 | 6.12 | 6.66 | 7.40 | 12.7 | ||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.04 | 6.05 | 10.4 | ||
| Market Share in Total Assets | % | 7.35 | 8.13 | 8.90 | 9.83 | 12.6 | ||||||||||
| Market Share in Customer Deposits | % | 10.8 | 11.7 | 11.9 | 12.9 | 15.1 | ||||||||||
| Market Share in Retail Deposits | % | ... | ... | 11.9 | 12.8 | 13.2 | 13.5 | 15.9 | ||||||||
| Market Share in Corporate Deposits | % | ... | ... | 11.0 | 12.3 | 12.2 | 14.2 | 16.4 |
| ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||
| ROE | % | 13.3 | 13.1 | 13.2 | 12.6 | 48.7 | ||||||||||
| ROA | % | 1.24 | 1.23 | 1.28 | 1.30 | 5.87 | ||||||||||
| Costs (As % Of Assets) | % | 3.43 | 3.18 | 3.02 | 2.80 | 3.60 | ||||||||||
| Costs (As % Of Income) | % | 54.9 | 54.0 | 51.5 | 44.2 | 50.9 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 13.8 | 17.6 | 22.3 | |||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.8 | 21.8 | ||||
| Net Interest Margin | % | 3.83 | 3.48 | 3.30 | 3.46 | 4.68 | ||||||||||
| Interest Spread | % | ... | 3.43 | 3.08 | 3.01 | 3.25 | 4.53 | |||||||||
| Asset Yield | % | 7.69 | 7.37 | 6.07 | 5.28 | 5.80 | ||||||||||
| Cost Of Liabilities | % | ... | 4.26 | 4.30 | 3.06 | 2.04 | 1.27 | |||||||||
| Payout Ratio | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 49.1 | ||||||
| Interest Income (As % Of Revenues) | % | 61.3 | 59.1 | 56.3 | 54.7 | 66.2 | ||||||||||
| Fee Income (As % Of Revenues) | % | 27.0 | 26.7 | 20.5 | 19.8 | 16.5 | ||||||||||
| Other Income (As % Of Revenues) | % | 11.6 | 14.3 | 23.2 | 25.6 | 17.3 | ||||||||||
| Cost Per Employee | USD per month | 1,571 | 1,525 | 1,817 | 1,732 | 1,988 | ||||||||||
| Cost Per Employee (Local Currency) | RON per month | 4,791 | 5,292 | 6,047 | 6,012 | 7,803 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | 47.7 | 48.6 | 49.4 | 49.9 | 45.1 | ||||||||||
| Equity (As % Of Assets) | % | 9.20 | 9.47 | 9.87 | 10.6 | 13.1 | ||||||||||
| Loans (As % Of Deposits) | % | 69.0 | 66.3 | 64.4 | 58.1 | 65.9 | ||||||||||
| Loans (As % Assets) | % | 53.7 | 51.7 | 51.4 | 48.7 | 53.0 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 17.8 | 12.7 | 13.8 | 17.8 | 15.8 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 61.5 | 98.0 | 97.4 | 69.9 | 63.2 | |||||||
| Provisions (As % Of Loans) | % | 12.3 | 14.2 | 15.5 | 14.4 | 11.0 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | 2.41 | 2.62 | 2.59 | 4.03 | 3.74 |
| other data | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||
| Branches | 553 | 551 | 542 | 548 | 545 | |||||||||||
| Employees | 6,788 | 6,780 | 6,370 | 6,576 | 7,227 | |||||||||||
| ATMs | 840 | 868 | 879 | 890 | 1,015 | ... | ... | |||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,547 | ... | |
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.2 | 23.8 | 30.5 | ||
| Risk-Weighted Assets | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - May 29, 2018
Banca Transilvania made a net profit of RON 1,239 mil under revenues of RON 2,966 mil in 2017, up -2.59% and -3.09% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of RON 2,446 mil in 2015 and an all time low of ...
By Helgi Analytics - May 29, 2018
Banca Transilvania employed 7,513 persons in 2017, down 0.120% when compared to the previous year. Historically, the bank's workforce hit an all time high of 7,522 persons in 2016 and an all time low of 1,491 in 2003. Average cost reached USD 2,068 per month per ...
By Helgi Analytics - July 16, 2018
Banca Transilvania's corporate deposits reached RON 18,531 mil in 2017, up 20.9% compared to the previous year. Romanian banking sector accepted corporate deposits of RON 107 bil in 2017, up 12.3% when compared to the last year. Banca Transilvania account...
By Helgi Analytics - May 29, 2018
Banca Transilvania's capital adequacy ratio reached 21.1% at the end of 2017, up from 19.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 22.3% in 2015 and an all time low of 12.2% in 2007. The Tier 1 ratio amou...
By Helgi Analytics - November 29, 2018
Banca Transilvania's mortgage loans reached RON 8,438 mil in 2017, up 21.8% compared to the previous year. Romanian banking sector provided mortgage loans of RON 82.1 bil in 2017, up 7.36% when compared to the last year. Banca Transilvania accounted for 1...
By Helgi Analytics - May 29, 2018
Banca Transilvania stock traded at RON 2.17 per share at the end of 2017 implying a market capitalization of USD 2,422 mil. Since the end of 2012, the stock has appreciated by 131 % implying an annual average growth of 18.2 %. In absolute terms, the value of the compa...
By Helgi Analytics - May 29, 2018
Banca Transilvania's cost to income ratio reached 50.4% in 2017, up from 43.9% 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 43.9% in 2016. When compared to total as...
By Helgi Analytics - May 29, 2018
Banca Transilvania's non-performing loans reached 8.22% of total loans at the end of 2017, down from 10.7% compared to the previous year. Historically, the NPL ratio hit an all time high of 33.7% in 2010 and an all time low of 3.15% in 2006. Provision cover...
By Helgi Analytics - May 29, 2018
Banca Transilvania's loans reached RON 32,121 mil in the 2017, up from RON 29,478 mil compared to the previous year. Historically, the bank’s loans reached an all time high of RON 32,121 mil in 2017 and an all time low of RON 19,154 mil in 2013. In the ...
By Helgi Analytics - May 29, 2018
Banca Transilvania stock traded at RON 2.17 per share at the end 2017 implying a market capitalization of USD 2,422 mil. Since the end of 2012, the stock has appreciated by 131 % implying an annual average growth of 18.2 %. In absolute terms, the value of the company ...
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
Banca Transilvania has been growing its revenues and asset by 13.0% and 15.6% a year on average in the last 10 years. Its loans and deposits have grown by 13.6% and 16.8% a year during that time and loans to deposits ratio reached 61.8% at the end of 2017. The company achieved an average return on equity of 18.0% in the last decade with net profit growing 14.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 50.4% in 2017, compared to 52.1% average in the last decade.
Equity represented 11.9% of total assets or 23.6% of loans at the end of 2017. Banca Transilvania's non-performing loans were 8.22% of total loans while provisions covered some 70.9% of NPLs at the end of 2017.
Banca Transilvania stock traded at RON 2.17 per share at the end of 2017 resulting in a market capitalization of USD 2,422 mil. Over the previous five years, stock price rose by 131% or 18.2% a year on average. That’s compared to an average ROE of 22.8% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.59x and price to book value (PBV) of 1.32x in 2017.
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