By Helgi Library - March 24, 2021
Banca Transilvania's cost to income ratio reached 59.3% in the second quarter of 2018, down from when compared to the previous ...
By Helgi Library - March 24, 2021
Banca Transilvania made a net profit of RON 454 mil under revenues of RON 1,393 mil in the fourth quarter of 2020, up 65.7% and ...
By Helgi Library - March 24, 2021
Banca Transilvania's capital adequacy ratio reached 21.0% at the end of fourth quarter of 2020, A PHP Error was encountered Severity:...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | RON mil | 2,765 | 3,077 | 2,980 |
| Net Fee Income | RON mil | 766 | 820 | 776 |
| Other Income | RON mil | 708 | 1,156 | 1,236 |
| Total Revenues | RON mil | 4,239 | 5,054 | 4,993 |
| Staff Cost | RON mil | 1,065 | 1,038 | 1,097 |
| Operating Profit | RON mil | 2,181 | 2,825 | 2,874 |
| Provisions | RON mil | 364 | 293 | 821 |
| Net Profit | RON mil | 1,130 | 1,843 | 1,481 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | RON mil | 4,650 | 7,775 | 7,223 |
| Customer Loans | RON mil | 36,797 | 39,175 | 42,165 |
| Investments | RON mil | 24,175 | 27,986 | 33,300 |
| Total Assets | RON mil | 77,897 | 91,722 | 107,538 |
| Shareholders' Equity | RON mil | 7,880 | 9,214 | 10,462 |
| Interbank Borrowing | RON mil | 1,899 | 1,770 | 2,011 |
| Customer Deposits | RON mil | 65,161 | 77,037 | 90,942 |
| Issued Debt Securities | RON mil | 1,655 | 2,088 | 2,123 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 15.0 | 21.6 | 15.0 |
| ROA | % | 1.64 | 2.17 | 1.49 |
| Costs (As % Of Assets) | % | 2.99 | 2.63 | 2.13 |
| Costs (As % Of Income) | % | 48.6 | 44.1 | 42.4 |
| Capital Adequacy Ratio | % | 18.1 | 20.1 | 21.0 |
| Net Interest Margin | % | 4.02 | 3.63 | 2.99 |
| Loans (As % Of Deposits) | % | 56.5 | 50.9 | 46.4 |
| NPLs (As % Of Loans) | % | 6.39 | 6.31 | ... |
| Provisions (As % Of NPLs) | % | 103 | 102 | ... |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 2,374 | 3,174 | 3,242 |
| Number Of Shares | mil | 6,222 | 5,747 | 5,324 |
| Share Price | RON | 1.68 | 2.36 | 2.25 |
| Price/Earnings (P/E) | 9.25 | 7.36 | 8.09 | |
| Price/Book Value (P/BV) | 1.33 | 1.47 | 1.14 | |
| Dividend Yield | % | 8.48 | 4.43 | ... |
| Earnings Per Share (EPS) | RON | 0.182 | 0.321 | 0.278 |
| Book Value Per Share | RON | 1.27 | 1.60 | 1.97 |
| Dividend Per Share | RON | 0.143 | 0.105 | ... |
Get all company financials in excel:
| summary | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||||||||||||
| Net Interest Income | RON mil | 1,176 | 1,952 | 1,772 | 1,895 | 2,765 | |||||||||||||||||||
| Total Revenues | RON mil | 2,240 | 3,066 | 3,186 | 3,084 | 4,239 | |||||||||||||||||||
| Operating Profit | RON mil | 1,289 | 1,564 | 1,833 | 1,598 | 2,181 | |||||||||||||||||||
| Net Profit | RON mil | 441 | 2,446 | 1,272 | 1,247 | 1,130 | |||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||
| Interbank Loans | RON mil | 2,387 | 3,798 | 2,786 | 5,348 | 4,650 | |||||||||||||||||||
| Customer Loans | RON mil | 17,419 | 24,895 | 26,710 | 29,464 | 36,797 | |||||||||||||||||||
| Investments | RON mil | ... | ... | ... | 12,748 | 15,702 | 16,872 | 24,175 | |||||||||||||||||
| Total Assets | RON mil | 35,796 | 47,579 | 51,944 | 59,805 | 77,897 | |||||||||||||||||||
| Shareholders' Equity | RON mil | 3,797 | 6,241 | 6,153 | 7,140 | 7,880 | |||||||||||||||||||
| Interbank Borrowing | RON mil | 1,053 | 1,130 | 2,305 | 1,487 | 1,899 | |||||||||||||||||||
| Customer Deposits | RON mil | 30,128 | 38,690 | 41,929 | 49,060 | 65,161 | |||||||||||||||||||
| Issued Debt Securities | RON mil | 409 | 450 | 461 | 415 | 1,655 | |||||||||||||||||||
| ratios | |||||||||||||||||||||||||
| ROE | % | ... | 12.6 | 48.7 | 20.5 | 18.8 | 15.0 | ||||||||||||||||||
| ROA | % | ... | 1.30 | 5.87 | 2.56 | 2.23 | 1.64 | ||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.80 | 3.60 | 2.72 | 2.66 | 2.99 | ||||||||||||||||||
| Costs (As % Of Income) | % | 42.5 | 49.0 | 42.5 | 48.2 | 48.6 | |||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.1 | ||||
| Net Interest Margin | % | ... | 3.46 | 4.68 | 3.56 | 3.39 | 4.02 | ||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 52.5 | 63.7 | 55.6 | 61.4 | 65.2 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 19.0 | 15.9 | 17.1 | 20.3 | 18.1 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 49.9 | 45.1 | 49.2 | 51.4 | 51.7 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 10.6 | 13.1 | 11.8 | 11.9 | 10.1 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | 57.8 | 64.3 | 63.7 | 60.1 | 56.5 | |||||||||||||||||||
| Loans (As % Assets) | % | 48.7 | 52.3 | 51.4 | 49.3 | 47.2 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 10.0 | 12.1 | 11.6 | 4.97 | 6.39 | ... | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 129 | 81.2 | 65.3 | 117 | 103 | ... | ||||||||||||
| valuation | |||||||||||||||||||||||||
| Market Capitalisation | USD mil | 1,136 | 1,767 | 2,019 | 2,381 | 2,374 | |||||||||||||||||||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | 5,261 | 5,772 | 5,762 | 5,725 | 6,222 | |||||||||||||
| Share Price | RON | 0.868 | 1.28 | 1.52 | 1.61 | 1.68 | |||||||||||||||||||
| Earnings Per Share (EPS) | RON | ... | ... | ... | ... | ... | ... | 0.084 | 0.184 | 0.223 | 0.218 | 0.182 | |||||||||||||
| Book Value Per Share | RON | ... | ... | ... | ... | ... | ... | 0.722 | 1.08 | 1.07 | 1.25 | 1.27 | |||||||||||||
| Dividend Per Share | RON | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.209 | 0.038 | 0.106 | 0.143 | ... | ||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 10.4 | 6.97 | 6.81 | 7.39 | 9.25 | ||||||||||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 1.20 | 1.19 | 1.42 | 1.29 | 1.33 | ||||||||||||||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.3 | 2.52 | 6.60 | 8.48 | ... | ||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 29.6 | 120 | 21.0 | -2.02 | -16.6 | ||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 39.4 | 49.8 | -1.25 | 16.8 | 1.53 |
| income statement | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||||||||||||
| Interest Income | RON mil | 1,798 | 2,417 | 2,035 | 2,106 | 3,198 | |||||||||||||||||||
| Interest Cost | RON mil | 622 | 465 | 264 | 212 | 433 | |||||||||||||||||||
| Net Interest Income | RON mil | 1,176 | 1,952 | 1,772 | 1,895 | 2,765 | |||||||||||||||||||
| Net Fee Income | RON mil | 426 | 487 | 546 | 627 | 766 | |||||||||||||||||||
| Fee Income | RON mil | 514 | 603 | 653 | 744 | 1,018 | |||||||||||||||||||
| Fee Expense | RON mil | 88.6 | 116 | 107 | 118 | 252 | |||||||||||||||||||
| Other Income | RON mil | 639 | 626 | 868 | 563 | 708 | |||||||||||||||||||
| Total Revenues | RON mil | 2,240 | 3,066 | 3,186 | 3,084 | 4,239 | |||||||||||||||||||
| Staff Cost | RON mil | 474 | 677 | 666 | 763 | 1,065 | |||||||||||||||||||
| Depreciation | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 98.4 | ... | |
| Other Cost | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 895 | ... | |
| Operating Cost | RON mil | 951 | 1,502 | 1,353 | 1,486 | 2,059 | |||||||||||||||||||
| Operating Profit | RON mil | 1,289 | 1,564 | 1,833 | 1,598 | 2,181 | |||||||||||||||||||
| Provisions | RON mil | 684 | 798 | 658 | 29.2 | 364 | |||||||||||||||||||
| Extra and Other Cost | RON mil | 88.6 | -1,535 | 116 | 118 | 252 | |||||||||||||||||||
| Pre-Tax Profit | RON mil | 516 | 2,301 | 1,059 | 1,451 | 1,564 | |||||||||||||||||||
| Tax | RON mil | 73.2 | -147 | -218 | 202 | 423 | |||||||||||||||||||
| Minorities | RON mil | 1.37 | 1.89 | 4.59 | 3.02 | 10.9 | ... | ||||||||||||||||||
| Net Profit | RON mil | 441 | 2,446 | 1,272 | 1,247 | 1,130 | |||||||||||||||||||
| Net Profit Avail. to Common | RON mil | 441 | 2,446 | 1,272 | 1,247 | 1,130 | |||||||||||||||||||
| Dividends | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,200 | 219 | 610 | 819 | ... | ||||||
| growth rates | |||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 14.9 | 66.1 | -9.26 | 6.95 | 45.9 | ||||||||||||||||||
| Net Fee Income Growth | % | ... | 14.3 | 14.4 | 12.2 | 14.7 | 22.2 | ||||||||||||||||||
| Total Revenue Growth | % | ... | 18.4 | 36.9 | 3.91 | -3.19 | 37.5 | ||||||||||||||||||
| Operating Cost Growth | % | ... | 1.65 | 57.9 | -9.93 | 9.88 | 38.5 | ||||||||||||||||||
| Operating Profit Growth | % | ... | 34.8 | 21.4 | 17.2 | -12.8 | 36.5 | ||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 10.3 | 346 | -54.0 | 37.0 | 7.77 | ||||||||||||||||||
| Net Profit Growth | % | ... | 11.2 | 455 | -48.0 | -2.03 | -9.38 | ||||||||||||||||||
| market share | |||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | 10.8 | 12.9 | 13.7 | 13.6 | ... | ... | ... |
| balance sheet | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | |||||||||||||||||||||||||
| Cash & Cash Equivalents | RON mil | 4,234 | 5,109 | 5,294 | 6,638 | 10,322 | |||||||||||||||||||
| Interbank Loans | RON mil | 2,387 | 3,798 | 2,786 | 5,348 | 4,650 | |||||||||||||||||||
| Customer Loans | RON mil | 17,419 | 24,895 | 26,710 | 29,464 | 36,797 | |||||||||||||||||||
| Retail Loans | RON mil | 7,558 | 13,759 | 15,253 | 16,868 | 21,368 | ... | ||||||||||||||||||
| Mortgage Loans | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,787 | ... | |
| Consumer Loans | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,581 | ... | |
| Corporate Loans | RON mil | 12,042 | 13,523 | 13,109 | 13,693 | 17,230 | ... | ||||||||||||||||||
| Investments | RON mil | ... | ... | ... | 12,748 | 15,702 | 16,872 | 24,175 | |||||||||||||||||
| Property and Equipment | RON mil | 340 | 452 | 559 | 634 | 563 | |||||||||||||||||||
| Intangible Assets | RON mil | ... | ... | ... | 72.6 | 74.8 | 89.4 | 136 | 288 | ||||||||||||||||
| Goodwill | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.376 | 0.376 | 2.77 | 2.77 | 4.30 | ||||
| Total Assets | RON mil | 35,796 | 47,579 | 51,944 | 59,805 | 77,897 | |||||||||||||||||||
| Shareholders' Equity | RON mil | 3,797 | 6,241 | 6,153 | 7,140 | 7,880 | |||||||||||||||||||
| Of Which Minority Interest | RON mil | 4.17 | 6.12 | 18.2 | 14.7 | 293 | |||||||||||||||||||
| Liabilities | RON mil | 31,999 | 41,338 | 45,792 | 52,665 | 70,017 | |||||||||||||||||||
| Interbank Borrowing | RON mil | 1,053 | 1,130 | 2,305 | 1,487 | 1,899 | |||||||||||||||||||
| Customer Deposits | RON mil | 30,128 | 38,690 | 41,929 | 49,060 | 65,161 | |||||||||||||||||||
| Sight Deposits | RON mil | 7,172 | 12,570 | 15,653 | 21,606 | 32,583 | ... | ||||||||||||||||||
| Term Deposits | RON mil | 22,480 | 25,567 | 25,783 | 27,004 | 31,982 | ... | ||||||||||||||||||
| Issued Debt Securities | RON mil | 409 | 450 | 461 | 415 | 1,655 | |||||||||||||||||||
| Subordinated Debt | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 395 | 416 | 424 | 415 | 1,655 | ||||||||||
| Other Liabilities | RON mil | 409 | 1,068 | 1,096 | 1,703 | 1,302 | |||||||||||||||||||
| asset quality | |||||||||||||||||||||||||
| Non-Performing Loans | RON mil | ... | ... | ... | ... | ... | ... | 2,011 | 3,351 | 3,351 | 1,554 | 2,515 | ... | ||||||||||||
| Gross Loans | RON mil | 20,009 | 27,615 | 28,900 | 31,281 | 39,382 | ... | ||||||||||||||||||
| Risk-Weighted Assets | RON mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46,105 | ... | |||||||||
| Total Provisions | RON mil | 2,590 | 2,721 | 2,189 | 1,817 | 2,586 | ... | ||||||||||||||||||
| growth rates | |||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 5.07 | 42.9 | 7.29 | 10.3 | 24.9 | ||||||||||||||||||
| Retail Loan Growth | % | ... | 9.95 | 82.0 | 10.9 | 10.6 | 26.7 | ... | |||||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Corporate Loan Growth | % | ... | 1.53 | 12.3 | -3.06 | 4.45 | 25.8 | ... | |||||||||||||||||
| Total Asset Growth | % | ... | 11.0 | 32.9 | 9.17 | 15.1 | 30.3 | ||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 19.3 | 64.4 | -1.41 | 16.0 | 10.4 | ||||||||||||||||||
| Customer Deposit Growth | % | ... | 15.2 | 28.4 | 8.37 | 17.0 | 32.8 | ||||||||||||||||||
| market share | |||||||||||||||||||||||||
| Market Share in Customer Loans | % | 8.25 | 11.5 | 12.1 | 12.7 | ... | ... | ... | |||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | 11.4 | 12.9 | 12.9 | 13.1 | ... | ... | ... | ||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | 7.40 | 12.7 | 13.5 | 13.8 | ... | ... | ... | ||||||||||||||
| Market Share in Total Assets | % | 9.83 | 12.6 | 13.2 | 14.0 | ... | ... | ... | |||||||||||||||||
| Market Share in Customer Deposits | % | 12.9 | 15.3 | 15.3 | 16.2 | ... | ... | ... |
| ratios | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | 12.6 | 48.7 | 20.5 | 18.8 | 15.0 | ||||||||||||||||||
| ROTE | % | ... | ... | ... | ... | 12.9 | 49.5 | 20.8 | 19.1 | 15.5 | |||||||||||||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| ROA | % | ... | 1.30 | 5.87 | 2.56 | 2.23 | 1.64 | ||||||||||||||||||
| Return on Loans | % | ... | 2.59 | 11.6 | 4.93 | 4.44 | 3.41 | ||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Costs (As % Of Assets) | % | ... | 2.80 | 3.60 | 2.72 | 2.66 | 2.99 | ||||||||||||||||||
| Costs (As % Of Income) | % | 42.5 | 49.0 | 42.5 | 48.2 | 48.6 | |||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 5.60 | 7.10 | 5.24 | 5.29 | 6.21 | ||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.11 | 2.70 | 2.05 | 2.02 | 2.28 | ||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.1 | ||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.6 | ||||
| Net Interest Margin | % | ... | 3.46 | 4.68 | 3.56 | 3.39 | 4.02 | ||||||||||||||||||
| Interest Spread | % | ... | 3.25 | 4.53 | 3.48 | 3.34 | 3.94 | ||||||||||||||||||
| Asset Yield | % | ... | 5.28 | 5.80 | 4.09 | 3.77 | 4.64 | ||||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Cost Of Liabilities | % | ... | 2.04 | 1.27 | 0.605 | 0.430 | 0.705 | ||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 49.1 | 17.2 | 48.9 | 72.5 | ... | ||||||
| Interest Income (As % Of Revenues) | % | 52.5 | 63.7 | 55.6 | 61.4 | 65.2 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 19.0 | 15.9 | 17.1 | 20.3 | 18.1 | |||||||||||||||||||
| Other Income (As % Of Revenues) | % | 28.5 | 20.4 | 27.2 | 18.2 | 16.7 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 49.9 | 45.1 | 49.2 | 51.4 | 51.7 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 10.6 | 13.1 | 11.8 | 11.9 | 10.1 | |||||||||||||||||||
| Equity (As % Of Loans) | % | 21.8 | 25.1 | 23.0 | 24.2 | 21.4 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | 57.8 | 64.3 | 63.7 | 60.1 | 56.5 | |||||||||||||||||||
| Loans (As % Assets) | % | 48.7 | 52.3 | 51.4 | 49.3 | 47.2 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 10.0 | 12.1 | 11.6 | 4.97 | 6.39 | ... | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 129 | 81.2 | 65.3 | 117 | 103 | ... | ||||||||||||
| Provisions (As % Of Loans) | % | 14.9 | 10.9 | 8.20 | 6.17 | 7.03 | ... | ||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 4.03 | 3.77 | 2.55 | 0.104 | 1.10 |
| other data | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 542 | 556 | 544 | 496 | ... | ... | ... | ||
| Employees | 6,236 | 7,227 | 7,573 | 7,513 | 9,014 | ... | |||||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.5 | 13.0 | 13.9 | 15.1 | ... | ... | ... | ||
| Cost Per Employee | USD per month | 1,826 | 1,988 | 1,734 | 2,066 | 2,473 | ... | ||||||||||||||||||
| Cost Per Employee (Local Currency) | RON per month | 6,340 | 7,803 | 7,327 | 8,466 | 9,847 | ... | ||||||||||||||||||
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 75.9 | 75.9 | 75.6 | 75.7 | ... |
| customer breakdown | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Market Value per Customer (Local Currency) | RON | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Revenue per Customer (Local Currency) | RON | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Net Profit per Customer (Local Currency) | RON | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Loan per Customer (Local Currency) | RON | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Deposit per Customer (Local Currency) | RON | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - March 24, 2021
Banca Transilvania's net interest margin amounted to 3.09% in the fourth quarter of 2020, up from 2.91% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 8.04% in 4Q2015 and an all time low of ...
By Helgi Library - March 24, 2021
Banca Transilvania employed 10,166 persons in 2018-06-30, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 10,166 persons in 2018-06-30 and an all time low of 7,488 in 2016-06-30. Average cost reached USD 2,400...
By Helgi Library - March 24, 2021
Banca Transilvania generated total banking revenues of RON 1,393 mil in the fourth quarter of 2020, up 76.8% when compared to the same period of last year and 10.8% when compared to the previous quarter. Historically, the bank’s revenues containing of interes...
By Helgi Library - March 24, 2021
Banca Transilvania's loans reached RON 43,847 mil in the third quarter of 2020, up from RON 42,712 mil when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all ...
By Helgi Library - March 24, 2021
Banca Transilvania's Equity reached 9.73% of total assets in the 4Q2020, down from 10.0% for the previous year. As a share of net customer loans, the ratio amounted to 24.8% at the end of the fourth quarter of 2020. ...
By Helgi Library - March 24, 2021
Banca Transilvania's customer loan growth reached 7.63% in 2020-12-31, up from 6.47% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 104% in 2019-06-30 and an all time low of -35.9% in 2018-06-30. In the la...
By Helgi Library - March 24, 2021
Banca Transilvania's customer loans reached RON 29,464 mil in 2017, up 10.3% compared to the previous year. Romanian banking sector provided customer loans of RON 233 bil in 2017, up 5.70% when compared to the last year. Banca Transilvania accounted for 1...
By Helgi Library - March 24, 2021
Banca Transilvania's customer deposits reached RON 49,060 mil in 2017, up 17.0% compared to the previous year. Romanian banking sector accepted customer deposits of RON 303 bil in 2017, up 10.4% when compared to the last year. Banca Transilvania accounted...
By Helgi Library - March 24, 2021
Banca Transilvania made a net profit of RON 1,481 mil under revenues of RON 4,993 mil in 2020, up -19.7% and -1.21% 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 Library - March 24, 2021
Banca Transilvania made a net profit of RON 1,481 mil in 2020, down 19.7% compared to the previous year. This implies a return on equity of 15.0%. Historically, the bank’s net profit reached an all time high of RON 2,446 mil in 2015 and an all time low of R...
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 12.1% and 17.3% a year on average in the last 10 years. Its loans and deposits have grown by 13.2% and 17.8% a year during that time and loans to deposits ratio reached 46.4% at the end of 2020. The company achieved an average return on equity of 19.2% in the last decade with net profit growing 27.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 42.4% in 2020, compared to 47.2% average in the last decade.
Equity represented 9.73% of total assets or 24.8% of loans at the end of 2020. Banca Transilvania's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.
Banca Transilvania stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 17.2% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 8.09x and price to book value (PBV) of 1.14x in 2020.
Helgi Library 
