OTP Bank Romania

OTP Bank Romania's mortgage loans rose 131% to RON 3,616 mil in 2017

By Helgi Analytics - November 29, 2018

OTP Bank Romania's mortgage loans reached RON 3,616 mil in 2017, up 131% compared to the previous year. Romanian banking sector...

OTP Bank Romania's net profit rose 0.325% to RON 84.5 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania made a net profit of RON 84.5 mil in 2017, up 0.325% compared to the previous year. This implies a return on eq...

OTP Bank Romania's customer loans rose 10.5% to RON 6,917 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's customer loans reached RON 6,917 mil in 2017, up 10.5% compared to the previous year. Romanian banking secto...

Profit Statement 2015 2016 2017
Net Interest Income RON mil 270 303 293
Fee Income (As % Of Revenues) % 18.6 10.5 12.3
Other Income RON mil 58.1 109 43.5
Total Revenues RON mil 403 460 383
Staff Cost RON mil 126 118 127
Operating Profit RON mil 86.9 170 123
Provisions RON mil 240 76.8 21.8
Net Profit RON mil -110 84.2 84.5
Balance Sheet 2015 2016 2017
Interbank Loans RON mil 453 62.7 99.8
Customer Loans RON mil 6,252 6,260 6,917
Debt Securities RON mil 473 453 595
Total Assets RON mil 8,557 8,209 9,145
Shareholders' Equity RON mil 869 935 802
Interbank Borrowing RON mil 338 103 11.1
Customer Deposits RON mil 6,447 6,307 6,480
Issued Debt Securities RON mil 681 725 1,319
Ratios 2015 2016 2017
ROE % -16.2 9.34 9.73
ROA % -1.66 1.00 0.974
Costs (As % Of Assets) % 4.75 3.46 3.00
Costs (As % Of Income) % 78.4 63.1 68.0
Capital Adequacy Ratio % 14.1 16.0 14.6
Net Interest Margin % 4.06 3.61 3.38
Loans (As % Of Deposits) % 97.0 99.3 107
NPLs (As % Of Loans) % 7.96 6.38 13.5
Provisions (As % Of NPLs) % 71.6 85.3 78.9
Growth Rates 2015 2016 2017
Total Revenue Growth % 41.2 14.3 -16.7
Operating Cost Growth % 59.8 -8.00 -10.2
Operating Profit Growth % -0.749 95.3 -27.8
Net Profit Growth % 47.0 -176 0.325
Customer Loan Growth % 89.8 0.131 10.5
Total Asset Growth % 80.7 -4.07 11.4
Customer Deposit Growth % 62.1 -2.18 2.75
Shareholders' Equity Growth % 78.1 7.57 -14.2
Employees 1,139 1,119 1,163

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                          
Net Interest Income RON mil             77.8 82.3 104 175 270    
Total Revenues RON mil             236 197 242 285 403    
Operating Profit RON mil             34.7 -25.1 44.8 87.6 86.9    
Net Profit RON mil             -1.98 -74.7 -69.9 -74.9 -110    
balance sheet                          
Interbank Loans RON mil             172 476 0 332 453    
Customer Loans RON mil             2,537 3,004 3,248 3,294 6,252    
Debt Securities RON mil             337 397 224 209 473    
Total Assets RON mil             3,752 4,640 4,611 4,734 8,557    
Shareholders' Equity RON mil             438 586 511 488 869    
Interbank Borrowing RON mil             65.8 45.8 157 101 338    
Customer Deposits RON mil             2,776 3,492 3,739 3,976 6,447    
Issued Debt Securities RON mil             23.3 22.0 11.0 6.36 681    
ratios                          
ROE %             -0.449 -14.6 -12.7 -15.0 -16.2    
ROA %             -0.051 -1.78 -1.51 -1.60 -1.66    
Costs (As % Of Assets) %             5.24 5.30 4.27 4.23 4.75    
Costs (As % Of Income) %             85.3 113 81.5 69.3 78.4    
Capital Adequacy Ratio % ... ...     ... ... ... ... 12.7 12.7 14.1    
Net Interest Margin %             2.02 1.96 2.25 3.75 4.06    
Interest Income (As % Of Revenues) %             32.9 41.8 43.0 61.5 67.0    
Fee Income (As % Of Revenues) %             22.1 28.8 23.1 20.0 18.6    
Staff Cost (As % Of Total Cost) %             45.7 42.3 44.9 44.8 39.9    
Equity (As % Of Assets) %             11.7 12.6 11.1 10.3 10.2    
Loans (As % Of Deposits) %             91.4 86.0 86.9 82.9 97.0    
Loans (As % Assets) %             67.6 64.7 70.4 69.6 73.1    
NPLs (As % Of Loans) % ... ...         10.7 11.2 12.5 11.9 7.96    
Provisions (As % Of NPLs) % ... ...         70.3 55.5 54.6 72.3 71.6    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                          
Interest Income RON mil             222 249 260 260 361    
Interest Cost RON mil             144 167 156 84.4 91.5    
Net Interest Income RON mil             77.8 82.3 104 175 270    
Net Fee Income RON mil             52.2 56.8 56.0 57.0 74.9    
Other Income RON mil             106 58.1 82.0 52.7 58.1    
Total Revenues RON mil             236 197 242 285 403    
Staff Cost RON mil             92.2 93.9 88.5 88.6 126    
Depreciation RON mil             19.7 21.8 21.6 17.8 28.4    
Other Cost RON mil             89.7 107 87.2 91.1 161    
Operating Cost RON mil             202 222 197 197 316    
Operating Profit RON mil             34.7 -25.1 44.8 87.6 86.9    
Provisions RON mil             31.1 64.2 115 162 240    
Extra and Other Cost RON mil             < -0.001 -0.001 0.002 0.127 -42.9    
Pre-Tax Profit RON mil             3.60 -89.3 -70.0 -74.9 -110    
Tax RON mil             5.58 -14.6 -0.113 0.129 0.317    
Minorities RON mil             0 0 0 0 0    
Net Profit RON mil             -1.98 -74.7 -69.9 -74.9 -110    
growth rates                          
Net Interest Income Growth % ...           -50.0 5.84 26.5 68.3 53.7    
Net Fee Income Growth % ...           -7.86 8.77 -1.39 1.90 31.2    
Total Revenue Growth % ...           -11.0 -16.5 22.8 17.7 41.2    
Operating Cost Growth % ...           3.55 10.3 -11.2 0.087 59.8    
Operating Profit Growth % ...           -51.0 -172 -279 95.3 -0.749    
Pre-Tax Profit Growth % ...           -111 -2,582 -21.6 6.97 46.6    
Net Profit Growth % ...           -94.5 3,671 -6.37 7.14 47.0    
market share                          
Market Share in Revenues %             1.03 ... ... ... ... ... ...
Market Share in Net Profit % ... ... ...   ... ... ... ... ... ... ... ... ...
Market Share in Employees % ... ...         1.45 1.57 1.59 1.59 2.04    
Market Share in Branches % ... ...         1.65 1.56 ... ... ... ... ...
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                          
Cash RON mil             556 583 982 742 1,121    
Interbank Loans RON mil             172 476 0 332 453    
Customer Loans RON mil             2,537 3,004 3,248 3,294 6,252    
Retail Loans RON mil             1,601 2,068 1,608 1,586 3,782    
Mortgage Loans RON mil             960 1,133 1,059 1,007 3,138    
Consumer Loans RON mil             641 935 549 580 644    
Corporate Loans RON mil             936 936 1,640 1,708 2,469    
Debt Securities RON mil             337 397 224 209 473    
Fixed Assets RON mil             129 157 147 142 139    
Total Assets RON mil             3,752 4,640 4,611 4,734 8,557    
Shareholders' Equity RON mil             438 586 511 488 869    
Of Which Minority Interest RON mil             0 0 0 0 0    
Liabilities RON mil             3,314 4,053 4,100 4,246 7,688    
Interbank Borrowing RON mil             65.8 45.8 157 101 338    
Customer Deposits RON mil             2,776 3,492 3,739 3,976 6,447    
Retail Deposits RON mil ... ... ... ...     ... ... ... ... 3,726    
Corporate Deposits RON mil ... ... ... ...     ... ... ... ... 1,112    
Sight Deposits RON mil             433 394 540 673 1,369    
Term Deposits RON mil             2,343 3,098 3,199 3,303 5,079    
Issued Debt Securities RON mil             23.3 22.0 11.0 6.36 681    
Other Liabilities RON mil             450 493 193 163 222    
asset quality                          
Non-Performing Loans RON mil ... ...         295 359 437 431 528    
Gross Loans RON mil             2,743 3,203 3,486 3,606 6,630    
Total Provisions RON mil             207 199 239 311 378    
growth rates                          
Customer Loan Growth % ...           15.4 18.4 8.12 1.44 89.8    
Retail Loan Growth % ...           17.3 29.2 -22.2 -1.34 138    
Mortgage Loan Growth % ...           15.4 18.0 -6.57 -4.88 212    
Consumer Loan Growth % ...           20.2 45.8 -41.2 5.49 11.1    
Corporate Loan Growth % ...           12.2 0.023 75.2 4.17 44.6    
Total Asset Growth % ...           -4.90 23.7 -0.616 2.68 80.7    
Shareholders' Equity Growth % ...           -1.69 34.0 -12.8 -4.59 78.1    
Customer Deposit Growth % ...           -1.97 25.8 7.07 6.35 62.1    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ...    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ...    
market share                          
Market Share in Customer Loans %             1.14 1.33 1.49 1.56 2.88    
Market Share in Corporate Loans %             0.811 0.788 1.46 1.62 2.36    
Market Share in Retail Loans %             0.905 1.39 0.880 1.01 1.15    
Market Share in Consumer Loans %             1.54 1.98 1.56 1.55 3.50    
Market Share in Mortgage Loans %             2.88 3.06 2.59 2.26 6.04    
Market Share in Total Assets %             1.06 1.27 1.27 1.30 2.27    
Market Share in Customer Deposits %             1.48 1.77 1.73 1.70 2.54    
Market Share in Retail Deposits % ... ... ... ...     ... ... ... ... 2.54    
Market Share in Corporate Deposits % ... ... ... ...     ... ... ... ... 1.22    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                          
ROE %             -0.449 -14.6 -12.7 -15.0 -16.2    
ROA %             -0.051 -1.78 -1.51 -1.60 -1.66    
Costs (As % Of Assets) %             5.24 5.30 4.27 4.23 4.75    
Costs (As % Of Income) %             85.3 113 81.5 69.3 78.4    
Capital Adequacy Ratio % ... ...     ... ... ... ... 12.7 12.7 14.1    
Tier 1 Ratio % ... ... ... ... ... ... ... ... 12.7 12.7 14.1    
Net Interest Margin %             2.02 1.96 2.25 3.75 4.06    
Interest Spread % ...           1.54 1.41 1.80 3.54 3.90    
Asset Yield %             5.77 5.93 5.62 5.56 5.43    
Cost Of Liabilities % ...           4.24 4.52 3.82 2.02 1.53    
Interest Income (As % Of Revenues) %             32.9 41.8 43.0 61.5 67.0    
Fee Income (As % Of Revenues) %             22.1 28.8 23.1 20.0 18.6    
Other Income (As % Of Revenues) %             45.0 29.5 33.9 18.5 14.4    
Cost Per Employee USD per month ... ...         2,634 2,326 2,383 2,317 2,348    
Cost Per Employee (Local Currency) RON per month ... ...         8,033 8,073 7,930 8,043 9,217    
Staff Cost (As % Of Total Cost) %             45.7 42.3 44.9 44.8 39.9    
Equity (As % Of Assets) %             11.7 12.6 11.1 10.3 10.2    
Loans (As % Of Deposits) %             91.4 86.0 86.9 82.9 97.0    
Loans (As % Assets) %             67.6 64.7 70.4 69.6 73.1    
NPLs (As % Of Loans) % ... ...         10.7 11.2 12.5 11.9 7.96    
Provisions (As % Of NPLs) % ... ...         70.3 55.5 54.6 72.3 71.6    
Provisions (As % Of Loans) %             8.17 6.63 7.35 9.45 6.05    
Cost of Provisions (As % Of Loans) %             1.31 2.32 3.68 4.96 5.02    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                          
Branches ... ...         100 89.0 84.0 84.0 108    
Employees ... ...         957 970 930 918 1,139    
ATMs ... ...         136 122 122 122 150    
Sight (As % Of Customer Deposits) %             15.6 11.3 14.4 16.9 21.2    

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OTP Bank Romania's npls (as % of loans) rose 111% to 13.5% in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's non-performing loans reached 13.5% of total loans at the end of 2017, up from 6.38% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.5% in 2017 and an all time low of 2.40% in 2008. Provision coverage ...

OTP Bank Romania's employees rose 3.99% to 1,163 in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania employed 1,163 persons in 2017, up 3.99% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,163 persons in 2017 and an all time low of 918 in 2014. Average cost reached USD 2,222 per month per employe...

OTP Bank Romania's customer deposits rose 2.75% to RON 6,480 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's customer deposits reached RON 6,480 mil in 2017, up 2.75% 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. OTP Bank Romania accounted for ...

OTP Bank Romania's consumer loans rose 2.62% to RON 2,052 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's consumer loans reached RON 2,052 mil in 2017, up 2.62% compared to the previous year. Romanian banking sector provided consumer loans of RON 55.7 bil in 2017, up 1.95% when compared to the last year. OTP Bank Romania accounted for 4.65%...

OTP Bank Romania's net interest income fell 3.19% to RON 293 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania generated total banking revenues of RON 383 mil in 2017, down 16.7% 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 460 mil in 2016 and a...

OTP Bank Romania's corporate loans fell 12.5% to RON 2,360 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's loans reached RON 8,028 mil in the 2017, up from RON 6,620 mil compared to the previous year. Historically, the bank’s loans reached an all time high of RON 8,028 mil in 2017 and an all time low of RON 1,361 mil in 2006. In the last d...

OTP Bank Romania's costs (as % of assets) fell 13.2% to 3.00% in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's cost to income ratio reached 68.0% in 2017, up from 63.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 113% of income in 2012 and an all time low of 63.1% in 2016. When compared to total asset...

OTP Bank Romania's net interest margin fell 6.47% to 3.38% in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's net interest margin amounted to 3.38% in 2017, down from 3.61% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.28% in 2010 and an all time low of 1.96% in 2012. The average mar...

OTP Bank Romania's retail deposits rose 1.43% to RON 3,801 mil in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's retail deposits reached RON 3,801 mil in 2017, up 1.43% compared to the previous year. Romanian banking sector accepted retail deposits of RON 178 bil in 2017, up 9.10% when compared to the last year. OTP Bank Romania accounted for 2.13...

OTP Bank Romania's capital adequacy ratio fell 8.86% to 14.6% in 2017

By Helgi Analytics - September 26, 2018

OTP Bank Romania's capital adequacy ratio reached 14.6% at the end of 2017, down from 16.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.0% in 2016 and an all time low of 12.7% in 2014. The Tier 1 ratio amou...

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Finance

OTP Bank Romania has been growing its revenues and asset by 9.40% and 9.93% a year on average in the last 10 years. Its loans and deposits have grown by 11.7% and 20.5% a year during that time and loans to deposits ratio reached 107% at the end of 2017. The company achieved an average return on equity of -4.85% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 68.0% in 2017, compared to 79.0% average in the last decade.

Equity represented 8.77% of total assets or 11.6% of loans at the end of 2017. OTP Bank Romania's non-performing loans were 13.5% of total loans while provisions covered some 78.9% of NPLs at the end of 2017.