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CIB Bank

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CIB Bank

CIB Bank Zrt., is a Hungary-based retail and corporate bank. The Bank offers a full range of commercial banking and investment services, supplemented by products and schemes offered by its affiliates (CIB Leasing, CIB Factor, CIB Insurance) to near 600,000 customers through its branch network of near 100 units covering the entire country. The Bank offers for example current accounts, saving accounts, debit cards, or credit cards in the retail

Read more »
CIB Bank Zrt., is a Hungary-based retail and corporate bank. The Bank offers a full range of commercial banking and investment services, supplemented by products and schemes offered by its affiliates (CIB Leasing, CIB Factor, CIB Insurance) to near 600,000 customers through its branch network of near 100 units covering the entire country. The Bank offers for example current accounts, saving accounts, debit cards, or credit cards in the retail banking area. In the corporate segment, the Bank provides financing products, working capital financing, investment credits, project financing, factoring, or syndicated loans, for instance. CIB Bank is a subsidiary of Intesa Sanpaolo. Intesa is the leader in Italy but also serves more than 8.4 mil customers with over 1,500 branches in 12 countries in the region of the Central Eastern Europe and Middle Eastern and North Africa.

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summary Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

... ...                           59,198 35,377 37,518 40,031 29,519    
... ...                           120,190 83,346 90,124 86,242 59,762    
... ...                           63,766 15,830 15,264 29,762 5,388    
... ...                           -37,306 -151,873 -136,744 -104,140 -40,224    

balance sheet

... ...                           177,928 107,698 127,804 302,857 479,385    
... ...                           1,901,530 1,517,980 1,252,530 1,061,420 910,204    
... ...                           313,137 390,416 390,577 215,815 157,916    
... ...                           2,524,370 2,119,290 1,849,240 1,733,640 1,675,710    
... ...                           244,111 194,364 172,547 184,780 147,840    
... ...                           711,644 433,771 316,449 213,655 225,029    
... ...                           1,364,820 1,282,810 1,159,570 1,114,740 1,179,710    
... ...                           131,386 145,794 160,169 166,636 97,292    

ratios

... ...                           -15.4% -69.3% -74.5% -58.3% -24.2%    
... ...                           -1.49% -6.54% -6.89% -5.81% -2.36%    
... ...                           2.25% 2.91% 3.77% 3.15% 3.19%    
... ...                           46.9% 81.0% 83.1% 65.5% 91.0%    
                              10.3% 13.0% 15.5% 18.2% 16.7%    
... ...                           2.36% 1.52% 1.89% 2.23% 1.73%    
... ...                           49.3% 42.4% 41.6% 46.4% 49.4%    
... ...                           25.4% 31.9% 35.0% 34.1% 46.5%    
... ...                           43.9% 35.9% 31.1% 40.8% 43.8%    
... ...                           9.67% 9.17% 9.33% 10.7% 8.82%    
... ...                           139% 118% 108% 95.2% 77.2%    
... ...                           75.3% 71.6% 67.7% 61.2% 54.3%    
... ... ... ... ... ... ... ... ... ...           25.1% 35.6% 37.3% 33.3% 28.6%    
... ... ... ... ... ... ... ... ... ...           50.7% 48.2% 58.6% 62.3% 58.7%    

Download Data
income statement Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income HUF mil
Interest Cost HUF mil
Net Interest Income HUF mil
Net Fee Income HUF mil
Other Income HUF mil
Total Revenues HUF mil
Staff Cost HUF mil
Depreciation HUF mil
Other Cost HUF mil
Operating Cost HUF mil
Operating Profit HUF mil
Provisions HUF mil
Extra and Other Cost HUF mil
Pre-Tax Profit HUF mil
Tax HUF mil
Minorities HUF mil
Net Profit HUF mil
... ...                           129,286 117,425 87,628 67,397 47,007    
... ...                           70,088 82,048 50,110 27,366 17,488    
... ...                           59,198 35,377 37,518 40,031 29,519    
... ...                           30,541 26,581 31,554 29,444 27,786    
... ...                           30,451 21,388 21,052 16,767 2,457    
... ...                           120,190 83,346 90,124 86,242 59,762    
... ...                           24,767 24,205 23,315 23,066 23,835    
... ...                           7,297 7,031 7,664 5,853 4,534    
... ...                           24,360 36,280 43,881 27,561 26,005    
... ...                           56,424 67,516 74,860 56,480 54,374    
... ...                           63,766 15,830 15,264 29,762 5,388    
... ...                           276,520 314,417 349,736 277,758 183,597    
... ...                           0.000 0.000 0.000 0.000 0.000    
... ...                           -41,953 -139,567 -127,094 -88,790 -25,291    
... ...                           -4,647 12,306 9,650 15,350 14,933    
... ...                           0.000 0.000 0.000 0.000 0.000    
... ...                           -37,306 -151,873 -136,744 -104,140 -40,224    

growth rates

... ... ...                         -17.8% -40.2% 6.05% 6.70% -26.3%    
... ... ... ... ... ... ... ... ...             -8.16% -13.0% 18.7% -6.69% -5.63%    
... ... ...                         -11.1% -30.7% 8.13% -4.31% -30.7%    
... ... ...                         -22.0% 19.7% 10.9% -24.6% -3.73%    
... ... ...                         1.49% -75.2% -3.58% 95.0% -81.9%    
... ... ...                         107% 233% -8.94% -30.1% -71.5%    
... ... ...                         58.7% 307% -9.96% -23.8% -61.4%    

market share

... ...                           9.04% 9.26% 8.99% 8.16% 7.00%    
... ...                         ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ...           7.13% 6.70% 6.23% 6.21% 6.01%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   4.79% 4.85% 4.23% 3.94% 3.94%   ...
... ... ... ... ... ... ... ... ... ... ... ...       3.71% 3.24% 2.93% 3.05% 2.95%    

Download Data
balance sheet Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

... ...                           40,069 33,014 26,792 27,335 23,259    
... ...                           177,928 107,698 127,804 302,857 479,385    
... ...                           1,901,530 1,517,980 1,252,530 1,061,420 910,204    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   671,300 521,200 432,111 388,780 334,918    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   1,230,200 996,700 820,421 672,642 575,286    
... ...                           313,137 390,416 390,577 215,815 157,916    
... ...                           43,423 39,971 30,910 27,039 25,576    
... ...                           2,524,370 2,119,290 1,849,240 1,733,640 1,675,710    
... ...                           244,111 194,364 172,547 184,780 147,840    
... ...                           0.000 0.000 0.000 0.000 0.000    
... ...                           2,280,260 1,924,920 1,676,690 1,548,860 1,527,870    
... ...                           711,644 433,771 316,449 213,655 225,029    
... ...                           1,364,820 1,282,810 1,159,570 1,114,740 1,179,710    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   819,800 804,700 629,797 367,157 510,726    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   597,700 506,200 572,945 694,265 697,142    
... ...                           131,386 145,794 160,169 166,636 97,292    
... ...                           72,412 62,546 40,506 53,831 25,840    

asset quality

Non-Performing Loans HUF mil
Gross Loans HUF mil
Provisions HUF mil
... ... ... ... ... ... ... ... ... ...           545,797 652,336 597,054 446,010 312,776    
... ...                           2,178,050 1,832,400 1,602,270 1,339,180 1,093,800    
... ...                           276,520 314,417 349,736 277,758 183,597    

growth rates

... ... ...                         -11.3% -20.2% -17.5% -15.3% -14.2%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -12.5% -22.4% -17.1% -10.0% -13.9%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -10.6% -19.0% -17.7% -18.0% -14.5%    
... ... ...                         1.18% -16.0% -12.7% -6.25% -3.34%    
... ... ...                         1.19% -20.4% -11.2% 7.09% -20.0%    
... ... ...                         -0.212% -6.01% -9.61% -3.87% 5.83%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 13.2% -1.84% -21.7% -41.7% 39.1%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -3.43% -15.3% 13.2% 21.2% 0.414%    

market share

... ...                           10.3% 9.47% 8.16% 7.08% 6.83%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   18.0% 16.8% 14.4% 11.5% 10.9%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   8.77% 8.01% 7.18% 6.68% 6.61%    
... ...                           6.66% 6.15% 5.23% 4.74% 4.65%    
... ...                           9.34% 8.75% 7.79% 6.96% 6.59%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   10.5% 10.5% 9.08% 5.34% 7.26%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   13.6% 11.5% 11.4% 13.3% 11.7%    

Download Data
ratios Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

... ...                           -15.4% -69.3% -74.5% -58.3% -24.2%    
... ...                           -1.49% -6.54% -6.89% -5.81% -2.36%    
... ...                           2.25% 2.91% 3.77% 3.15% 3.19%    
... ...                           46.9% 81.0% 83.1% 65.5% 91.0%    
                              10.3% 13.0% 15.5% 18.2% 16.7%    
... ... ... ... ... ... ... ... ... ... ... ...       9.54% 13.6% 11.7% 13.8% 12.5%    
... ...                           2.36% 1.52% 1.89% 2.23% 1.73%    
... ... ...                         2.06% 1.16% 1.63% 2.07% 1.62%    
... ...                           5.15% 5.06% 4.42% 3.76% 2.76%    
... ... ...                         3.09% 3.90% 2.78% 1.70% 1.14%    
... ...                           49.3% 42.4% 41.6% 46.4% 49.4%    
... ...                           25.4% 31.9% 35.0% 34.1% 46.5%    
... ...                           25.3% 25.7% 23.4% 19.4% 4.11%    
... ... ... ... ... ... ... ... ... ...           3,485 3,253 3,432 3,290 3,157    
... ... ... ... ... ... ... ... ... ...           700,821 732,154 767,648 784,558 865,091    
... ...                           43.9% 35.9% 31.1% 40.8% 43.8%    
... ...                           9.67% 9.17% 9.33% 10.7% 8.82%    
... ...                           139% 118% 108% 95.2% 77.2%    
... ...                           75.3% 71.6% 67.7% 61.2% 54.3%    
... ... ... ... ... ... ... ... ... ...           25.1% 35.6% 37.3% 33.3% 28.6%    
... ... ... ... ... ... ... ... ... ...           50.7% 48.2% 58.6% 62.3% 58.7%    
... ...                           14.5% 20.7% 27.9% 26.2% 20.2%    
... ...                           5.23% 9.09% 10.3% 10.2% 3.11%    

Download Data
other data Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ... ... ... ... ... ...       128 108 95.0 95.0 83.0    
... ... ... ... ... ... ... ... ... ...           2,945 2,755 2,531 2,450 2,296    
... ... ... ... ... ... ... ... ... ... ... ...       186 171 156 156 142    
... ... ... ... ... ... ... ... ... ... ... ...       0.682 0.638 0.560 0.490 0.458    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   428 434 379 350 353   ...

Download Data
Comparison of 7 Companies within Intesa SanPaolo New Europe

This Annual Statistical Dossier offers a comparison of 7 banks from Intesa SanPaolo New Europe from 1996 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

Read more »

This Annual Statistical Dossier offers a comparison of 7 banks from Intesa SanPaolo New Europe from 1996 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.

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.

Comparison of 10 Banks in Hungary

This Annual Statistical Dossier offers a comparison of 10 Hungarian banks from 1993 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

Read more »

This Annual Statistical Dossier offers a comparison of 10 Hungarian banks from 1993 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.

CIB Bank in Numbers

September 23, 2018
CIB Bank in Numbers

This Annual statistical dossier offers a summary of CIB Bank's performance between 1996 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,

Read more »

This Annual statistical dossier offers a summary of CIB Bank's performance between 1996 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 CIB'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.

CIB Bank at a Glance

CIB Bank Zrt., is a Hungary-based retail and corporate bank. The Bank offers a full range of commercial banking and investment services, supplemented by products and schemes offered by its affiliates (CIB Leasing, CIB Factor, CIB Insurance) to near 600,000 customers through its branch network of near 100 units covering the entire country. The Bank offers for example

Read more »

CIB Bank Zrt., is a Hungary-based retail and corporate bank. The Bank offers a full range of commercial banking and investment services, supplemented by products and schemes offered by its affiliates (CIB Leasing, CIB Factor, CIB Insurance) to near 600,000 customers through its branch network of near 100 units covering the entire country. The Bank offers for example current accounts, saving accounts, debit cards, or credit cards in the retail banking area. In the corporate segment, the Bank provides financing products, working capital financing, investment credits, project financing, factoring, or syndicated loans, for instance. CIB Bank is a subsidiary of Intesa Sanpaolo. Intesa is the leader in Italy but also serves more than 8.4 mil customers with over 1,500 branches in 12 countries in the region of the Central Eastern Europe and Middle Eastern and North Africa.

This report offers a summary of the bank's performance in 1998-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Hungary

CIB Bank in Numbers

CIB Bank Zrt., is a Hungary-based retail and corporate bank. The Bank offers a full range of commercial banking and investment services, supplemented by products and schemes offered by its affiliates (CIB Leasing, CIB Factor, CIB Insurance) to near 600,000 customers through its branch network of near 100 units covering the entire country. The Bank offers for example

Read more »

CIB Bank Zrt., is a Hungary-based retail and corporate bank. The Bank offers a full range of commercial banking and investment services, supplemented by products and schemes offered by its affiliates (CIB Leasing, CIB Factor, CIB Insurance) to near 600,000 customers through its branch network of near 100 units covering the entire country. The Bank offers for example current accounts, saving accounts, debit cards, or credit cards in the retail banking area. In the corporate segment, the Bank provides financing products, working capital financing, investment credits, project financing, factoring, or syndicated loans, for instance. CIB Bank is a subsidiary of Intesa Sanpaolo. Intesa is the leader in Italy but also serves more than 8.4 mil customers with over 1,500 branches in 12 countries in the region of the Central Eastern Europe and Middle Eastern and North Africa.

This excel file offers a summary of the bank's performance in 1998-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Hungary

Based on a comparison of 9 banks in Hungary in 2016, OTP Group had the most employees, followed by K&H Bank and Budapest Bank.

OTP Group employed 32,335 persons in 2016, up 1.96% when compared to the previous year. Historically,

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Based on a comparison of 9 banks in Hungary in 2016, OTP Group had the most employees, followed by K&H Bank and Budapest Bank.

OTP Group employed 32,335 persons in 2016, up 1.96% when compared to the previous year. Historically, the bank's workforce hit an all time high of 37,487 persons in 2013 and an all time low of 8,137 in 2000.

Average cost reached CZK 493,386 per month per month per employee, 0.023% less than a year ago. This figure was CZK 331,285 per month some 10 years ago.

Comparing OTP Group with its closest peers, K&H Bank had 3,654 employees with average cost of CZK 714,491 per month per person, Budapest Bank operated with 2,914 people (and CZK 717,828 per month per employee) and Erste Bank Hungary had 2,873 employees in 2016 with cost CZK 2,873 per month per head.

Hungarian banking sector employed 41,020 people in 2016.

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

Based on a comparison of 10 banks in Hungary in 2016, FHB Bank had the highest share of bad loans, followed by CIB Bank and OTP Group.

FHB Bank's non-performing loans reached 26.8 of total loans at the end of 2016, up from 21.8

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Based on a comparison of 10 banks in Hungary in 2016, FHB Bank had the highest share of bad loans, followed by CIB Bank and OTP Group.

FHB Bank's non-performing loans reached 26.8 of total loans at the end of 2016, up from 21.8 when compared to the previous year. Historically, the NPL ratio hit an all time high of 26.8 in 2016 and an all time low of 0.278 in 2003.

Provision coverage amounted to 24.7 at the end of 2016, down from 28.6 compared to a year earlier.

Comparing FHB Bank with its closest peers, CIB Bank operated at the end of 2016 with NPL ratio of 24.7 and provision coverage of 61.9, OTP Group with 14.7 and 96.8 and Budapest Bank had 14.7 of bad loans covered with 92.2 by provisions at the end of 2016.

Non-performing loans of the whole Hungary’s banking sector amounted to 4.59 of total loans in 2016, down from 5.48 when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Hungarian banks in the report section.

Based on a comparison of 10 banks in Hungary in 2016, OTP Bank Hungary operated with the lowest loan to deposit ratio, followed by K&H Bank and MKB Bank.

OTP Bank Hungary's loan to deposit ratio reached 53.2 at the end of 2016,

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Based on a comparison of 10 banks in Hungary in 2016, OTP Bank Hungary operated with the lowest loan to deposit ratio, followed by K&H Bank and MKB Bank.

OTP Bank Hungary's loan to deposit ratio reached 53.2 at the end of 2016, down from 53.3 when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 99.6 in 2008 and an all time low of 53.2 in 2016.

Comparing OTP Bank Hungary with its closest peers, K&H Bank ended the year 2016 with loans to deposits at 55.3, MKB Bank with 56.5 and Raiffeisen Bank Hungary some 63.0 of loans to deposits at the end of 2016.

Overall, total loans of the Hungarian banking sector amounted to 78.3% of deposits at the end of 2016.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Hungarian banks in the report section.

Based on a comparison of 9 banks in Hungary in 2016, OTP Group operated with the highest net interest margin, followed by Budapest Bank and Erste Bank Hungary.

OTP Group's net interest margin amounted to 4.75 in 2016, down from

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Based on a comparison of 9 banks in Hungary in 2016, OTP Group operated with the highest net interest margin, followed by Budapest Bank and Erste Bank Hungary.

OTP Group's net interest margin amounted to 4.75 in 2016, down from 5.09 when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 6.84 in 2004 and an all time low of 4.75 in 2016. The average margin in the last five years amounted to 5.71.

Average asset yield was 6.31 in 2016, down from 7.42 when compared to previous year. On the other hand, cost of funding amounted to 1.77 in 2016, down from 2.64.

Comparing OTP Group with its closest peers, Budapest Bank operated in 2016 with a net interest margin of 4.18 Erste Bank Hungary reached 2.86 and K&H Bank some 2.53.

The average net interest margin reached 1.90% in the Hungarian banking sector in 2016 while interest spread amounted to 3.53%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Hungarian banks in the report section.

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CIB's capital adequacy ratio rose 10.8% to 24.1% in 2017
CIB's employees fell 1.08% to 2,014 in 2017
CIB's net interest margin fell 18.3% to 1.29% in 2017
CIB's branches fell 7.32% to 76.0 in 2017
CIB's corporate loans rose 2.47% to HUF 472,412 mil in 2017
CIB's corporate deposits rose 0.348% to HUF 693,898 mil in 2017
CIB's net profit rose 105% to HUF 24,563 mil in 2017
CIB's npls (as % of loans) fell 56.2% to 10.8% in 2017
CIB's net profit rose 105% to HUF 24,563 mil in 2017
CIB's customer loans rose 0.372% to HUF 762,601 mil in 2017