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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, 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

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2017

income statement

Net Interest Income	RON mil
Total Revenues	RON mil
Operating Profit	RON mil
Net Profit	RON mil

914	969	1,023	1,176	1,952
1,490	1,640	1,817	2,151	2,949
671	754	882	1,200	1,448
297	342	397	441	2,446

balance sheet

Interbank Loans	RON mil
Customer Loans	RON mil
Debt Securities	RON mil
Total Assets	RON mil
Shareholders' Equity	RON mil
Interbank Borrowing	RON mil
Customer Deposits	RON mil
Issued Debt Securities	RON mil

779	1,405	1,761	2,387	3,909
13,978	15,361	16,578	17,419	25,226
6,333	6,949	9,382	11,160	12,417
26,009	29,711	32,237	35,796	47,579
2,392	2,815	3,183	3,797	6,241
2,844	3,082	2,566	1,186	1,518
20,257	23,167	25,741	29,995	38,302
260	289	338	395	416

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

						13.3%	13.1%	13.2%	12.6%	48.7%
						1.24%	1.23%	1.28%	1.30%	5.87%
						3.43%	3.18%	3.02%	2.80%	3.60%
						54.9%	54.0%	51.5%	44.2%	50.9%
...	...		...	...	...	...	...	13.8%	17.6%	22.3%
						3.83%	3.48%	3.30%	3.46%	4.68%
						61.3%	59.1%	56.3%	54.7%	66.2%
						27.0%	26.7%	20.5%	19.8%	16.5%
						47.7%	48.6%	49.4%	49.9%	45.1%
						9.20%	9.47%	9.87%	10.6%	13.1%
						69.0%	66.3%	64.4%	58.1%	65.9%
						53.7%	51.7%	51.4%	48.7%	53.0%
...	...	...				17.8%	12.7%	13.8%	17.8%	15.8%
...	...	...				61.5%	98.0%	97.4%	69.9%	63.2%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	RON
Earnings Per Share (EPS)	RON
Book Value Per Share	RON
Dividend Per Share
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

...	...			324	531	967	1,331	1,608
				1,774	1,903	2,206	3,007	3,946
...	...			0.610	0.940	1.42	1.64	1.69
				0.167	0.179	0.180	0.147	0.620
				1.35	1.48	1.44	1.26	1.58
...	...	...	...	0	0	0	0	0.304
...	...			3.64	5.24	7.90	11.2	2.73
...	...			0.452	0.635	0.984	1.30	1.07
...	...	...	...	0%	0%	0%	0%	18.0%
...				84.1%	7.17%	0.213%	-18.4%	323%
...				-5.11%	9.69%	-2.48%	-12.5%	25.2%

Download Data

income statement

Unit

2003

2004

2005

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2017

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

				1,836	2,055	1,879	1,798	2,417
				922	1,086	856	622	465
				914	969	1,023	1,176	1,952
				403	437	372	426	487
				173	234	422	550	510
				1,490	1,640	1,817	2,151	2,949
				390	431	462	474	677
				63.8	54.7	65.2	66.1	91.7
				364	400	408	411	733
				818	886	936	951	1,502
				671	754	882	1,200	1,448
				316	384	414	684	798
				0	-1.17	0	0	-1,651
				355	371	467	516	2,301
				58.2	24.5	69.8	73.2	-147
				0.229	4.93	0.788	1.37	1.89
				297	342	397	441	2,446
...	...	...	...	0	0	0	0	1,200

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-8.28%	6.01%	5.64%	14.9%	66.0%
...	5.25%	8.61%	-14.9%	14.3%	14.4%
...	-3.38%	10.1%	10.8%	18.4%	37.1%
...	10.4%	8.22%	5.64%	1.65%	57.9%
...	-16.2%	12.4%	16.9%	36.1%	20.6%
...	124%	4.38%	26.0%	10.3%	346%
...	122%	15.0%	16.2%	11.2%	455%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Debit Cards	%
Market Share in Credit Cards	%
Market Share in Branches	%

								6.51%	...	...	...	...	...	...
							...	...	...	...	...	...	...	...
								10.3%	11.0%	10.9%	11.4%	12.9%
...	...	...	...	...	...	...	...	...	...	...	...	17.1%	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...
								9.15%	9.63%	...	...	...	...	...

Download Data

balance sheet

Unit

2003

2004

2005

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2007

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2016

2017

balance sheet

Cash	RON mil
Interbank Loans	RON mil
Customer Loans	RON mil
Retail Loans	RON mil
Mortgage Loans	RON mil
Consumer Loans	RON mil
Corporate Loans	RON mil
Debt Securities	RON mil
Fixed Assets	RON mil
Total Assets	RON mil
Shareholders' Equity	RON mil
Of Which Minority Interest	RON mil
Liabilities	RON mil
Interbank Borrowing	RON mil
Customer Deposits	RON mil
Retail Deposits	RON mil
Corporate Deposits	RON mil
Sight Deposits	RON mil
Term Deposits	RON mil
Issued Debt Securities	RON mil
Other Liabilities	RON mil

								4,550	5,579	4,106	4,234	4,998
								779	1,405	1,761	2,387	3,909
								13,978	15,361	16,578	17,419	25,226
...	...							5,874	6,392	6,874	7,558	13,759
...	...	...	...	...	...	...	...	...	...	1,650	2,700	5,420
...	...	...	...	...	...	...	...	...	...	5,225	4,858	8,339
...	...							9,798	11,112	12,257	12,364	14,254
								6,333	6,949	9,382	11,160	12,417
								368	416	413	412	527
								26,009	29,711	32,237	35,796	47,579
								2,392	2,815	3,183	3,797	6,241
								2.03	35.6	2.65	4.17	6.12
								23,617	26,896	29,054	31,999	41,338
								2,844	3,082	2,566	1,186	1,518
								20,257	23,167	25,741	29,995	38,302
...	...							13,406	15,669	17,090	18,612	23,286
...	...							6,851	7,498	8,651	11,383	15,015
...	...	...	...	...	...	...	...	...	...	5,206	7,150	11,666
...	...	...	...	...	...	...	...	...	...	20,535	22,845	26,635
								260	289	338	395	416
								255	358	410	423	1,102

asset quality

Non-Performing Loans	RON mil
Gross Loans	RON mil
Total Provisions	RON mil

...	...	...	2,799	2,219	2,646	3,582	4,412
			15,700	17,535	19,154	20,167	28,012
			1,722	2,174	2,576	2,503	2,787

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...								14.4%	9.90%	7.92%	5.07%	44.8%
...	...	...						8.95%	8.81%	7.55%	9.95%	82.0%
...	...	...	...	...	...	...	...	...	...	...	63.6%	101%
...	...	...	...	...	...	...	...	...	...	...	-7.01%	71.6%
...	...	...						24.4%	13.4%	10.3%	0.876%	15.3%
...								19.7%	14.2%	8.50%	11.0%	32.9%
...								14.4%	17.7%	13.1%	19.3%	64.4%
...								17.2%	14.4%	11.1%	16.5%	27.7%
...	...	...						20.1%	16.9%	9.07%	8.91%	25.1%
...	...	...						12.0%	9.44%	15.4%	31.6%	31.9%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

								6.27%	6.80%	7.59%	8.25%	11.6%
...	...							8.49%	9.35%	10.9%	11.7%	13.6%
...	...	...	...	...	...	...	...	...	...	8.37%	8.45%	14.9%
...	...							5.63%	6.12%	6.66%	7.40%	12.7%
...	...	...	...	...	...	...	...	...	...	4.04%	6.05%	10.4%
								7.35%	8.13%	8.90%	9.83%	12.6%
								10.8%	11.7%	11.9%	12.9%	15.1%
...	...							11.9%	12.8%	13.2%	13.5%	15.9%
...	...							11.0%	12.3%	12.2%	14.2%	16.4%

Download Data

ratios

Unit

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	RON per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

							13.3%	13.1%	13.2%	12.6%	48.7%
							1.24%	1.23%	1.28%	1.30%	5.87%
							3.43%	3.18%	3.02%	2.80%	3.60%
							54.9%	54.0%	51.5%	44.2%	50.9%
...	...			...	...	...	...	...	13.8%	17.6%	22.3%
...	...	...		...	...	...	...	...	...	15.8%	21.8%
							3.83%	3.48%	3.30%	3.46%	4.68%
...							3.43%	3.08%	3.01%	3.25%	4.53%
							7.69%	7.37%	6.07%	5.28%	5.80%
...							4.26%	4.30%	3.06%	2.04%	1.27%
...	...	...	...				0%	0%	0%	0%	49.1%
							61.3%	59.1%	56.3%	54.7%	66.2%
							27.0%	26.7%	20.5%	19.8%	16.5%
							11.6%	14.3%	23.2%	25.6%	17.3%
							1,571	1,525	1,817	1,732	1,988
							4,791	5,292	6,047	6,012	7,803
							47.7%	48.6%	49.4%	49.9%	45.1%
							9.20%	9.47%	9.87%	10.6%	13.1%
							69.0%	66.3%	64.4%	58.1%	65.9%
							53.7%	51.7%	51.4%	48.7%	53.0%
...	...	...					17.8%	12.7%	13.8%	17.8%	15.8%
...	...	...					61.5%	98.0%	97.4%	69.9%	63.2%
							12.3%	14.2%	15.5%	14.4%	11.0%
							2.41%	2.62%	2.59%	4.03%	3.74%

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other data

Unit

2003

2004

2005

2006

2007

2008

2009

2010

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2013

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2017

other data

Branches
Employees
ATMs
Clients	mil
Payment Cards	'000
Debit Cards	'000
Credit Cards	'000
Sight (As % Of Customer Deposits)	%
Risk-Weighted Assets	RON mil

								553	551	542	548	545
								6,788	6,780	6,370	6,576	7,227
								840	868	879	890	1,015	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	2,547	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...	...	20.2%	23.8%	30.5%
...	...	...	...	...	...	...	...	...	...	...	...	...

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Comparison of 10 Banks in Romania

October 24, 2018

This Annual Statistical Dossier offers a comparison of 10 Romanian banks from 1998 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 10 Romanian banks from 1998 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Banca Transilvania in Numbers

September 22, 2018

This Annual statistical dossier offers a summary of Banca Transilvania's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

This Annual statistical dossier offers a summary of Banca Transilvania's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BT's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Banca Transilvania at a Glance

October 30, 2014

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

October 16, 2014

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

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Banca Transilvania - Market Share in Mortgage Loans

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'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 12.8% of all mortgage loans issued in Romania at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 12.8% in 2017 and an all time low of 4.04% in 2013.

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

What Banks in Romania Were the Largest in 2017?

September 27, 2018

Based on a comparison of 10 banks in Romania in 2017, Banca Commerciala Romana was the largest bank by assets, followed by Banca Transilvania and BRD Groupe Societe Generale.

Banca Commerciala Romana assets reached RON 70,931 mil,

Based on a comparison of 10 banks in Romania in 2017, Banca Commerciala Romana was the largest bank by assets, followed by Banca Transilvania and BRD Groupe Societe Generale.

Banca Commerciala Romana assets reached RON 70,931 mil, up 5.06% when compared to the last year. Historically, the bank’s assets reached an all time high of RON 76,746 mil in 2011 and an all time low of RON 9,988 mil in 2000.

Comparing Banca Commerciala Romana with its closest peers, Banca Transilvania assets amounted to RON 59,804 mil, BRD Groupe Societe Generale operated with RON 54,927 mil assets and UniCredit Tiriac Bank had total assets of RON 43,499 mil.

Total assets of the Romanian banking sector amounted to RON 406 bil in 2017, up 8.05% when compared to the last year. As a result, the top ranked company - Banca Commerciala Romana accounted for 17.5% of the sector’s assets in 2017. The top 3 companies held a 45.7% share while the five largest firms some 65.5% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Romanian banks in the report section.

What Banks in Romania Had the Most Branches in 2017?

September 27, 2018

Based on a comparison of 9 banks in Romania in 2017, CEC Bank had the most branches, followed by BRD Groupe Societe Generale and Banca Transilvania.

CEC Bank operated a network of 1,022 branches at the end of 2017.

Comparing

Based on a comparison of 9 banks in Romania in 2017, CEC Bank had the most branches, followed by BRD Groupe Societe Generale and Banca Transilvania.

CEC Bank operated a network of 1,022 branches at the end of 2017.

Comparing CEC Bank with its closest peers, BRD Groupe Societe Generale operated a network of 760 branches in 2017, Banca Transilvania had 495 branches and Raiffeisen Bank Romania had a network of 451 branches in 2017.

Romanian banks operated a network of 4,596 branches in 2017. Total of 55,044 people worked for the banks in 2017.

You can see all the banks branches data on the Branches indicator page or you can download a report on the Romanian banks in the report section.

What Banks in Romania Had the Most Employees in 2017?

September 27, 2018

Based on a comparison of 10 banks in Romania in 2017, BRD Groupe Societe Generale had the most employees, followed by Banca Transilvania and Banca Commerciala Romana.

BRD Groupe Societe Generale employed 7,568 persons in 2017, down 0.487%

Based on a comparison of 10 banks in Romania in 2017, BRD Groupe Societe Generale had the most employees, followed by Banca Transilvania and Banca Commerciala Romana.

BRD Groupe Societe Generale employed 7,568 persons in 2017, down 0.487% when compared to the previous year. Historically, the bank's workforce hit an all time high of 9,502 persons in 2008 and an all time low of 4,258 in 2003.

Average cost reached RON 8,139 per month per month per employee, 7.99% more than a year ago. This figure was RON 5,395 per month some 10 years ago.

Comparing BRD Groupe Societe Generale with its closest peers, Banca Transilvania had 7,513 employees with average cost of RON 8,465 per month per person, Banca Commerciala Romana operated with 7,265 people (and RON 8,507 per month per employee) and Raiffeisen Bank Romania had 5,314 employees in 2017 with cost RON 5,314 per month per head.

Romanian banking sector employed 55,044 people in 2017.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Romanian banks in the report section.

See all charts of the company »

BT's customer loans rose 11.1% to RON 30,248 mil in 2017

BT's customer deposits rose 17.4% to RON 48,932 mil in 2017

BT's retail deposits rose 15.4% to RON 30,401 mil in 2017

BT's net profit fell 2.59% to RON 1,239 mil in 2017

BT's employees fell 0.120% to 7,513 in 2017

BT's corporate deposits rose 20.9% to RON 18,531 mil in 2017

BT's capital adequacy ratio rose 10.9% to 21.1% in 2017

BT's mortgage loans rose 21.8% to RON 8,438 mil in 2017

BT's share price (end of period) rose 9.05% to RON 2.17 in 2017