Banca Commerciala Romana

Created with Highcharts 6.0.4Sales and Profits (RON mil)Total RevenuesNet Profit20002001200220032004200520062007200820092010201120122013201420152016201702k4k6k-5k-2.5k02.5k

BCR's customer deposits rose 8.83% to RON 52,496 mil in 2017

By Helgi Library - July 16, 2018

Banca Commerciala Romana's customer deposits reached RON 52,496 mil in 2017, up 8.83% compared to the previous year. Romanian b...

BCR's customer deposits rose 8.83% to RON 52,496 mil in 2017

By Helgi Library - July 16, 2018

Banca Commerciala Romana's customer deposits reached RON 52,496 mil in 2017, up 8.83% compared to the previous year. Romanian b...

BCR's net interest margin fell 7.37% to 2.55% in 2017

By Helgi Library - May 28, 2018

Banca Commerciala Romana's net interest margin amounted to 2.55% in 2017, down from 2.75% compared to the previous year. H...

Profit Statement 2015 2016 2017
Net Interest Income RON mil 1,993 1,787 1,764
Net Fee Income RON mil 725 709 701
Other Income RON mil 357 373 423
Total Revenues RON mil 3,075 2,868 2,888
Staff Cost RON mil 717 730 742
Operating Profit RON mil 1,562 1,298 1,344
Provisions RON mil 77.9 -392 32.3
Net Profit RON mil 919 1,042 668
Balance Sheet 2015 2016 2017
Interbank Loans RON mil 204 553 2,215
Customer Loans RON mil 32,451 32,291 33,491
Total Assets RON mil 62,360 67,515 70,931
Shareholders' Equity RON mil 5,875 6,804 7,439
Interbank Borrowing RON mil 11,247 5,133 3,390
Customer Deposits RON mil 42,626 48,235 52,496
Issued Debt Securities RON mil 1,438 2,982 2,911
Ratios 2015 2016 2017
ROE % 17.0 16.4 9.38
ROA % 1.48 1.60 0.965
Costs (As % Of Assets) % 2.44 2.42 2.23
Costs (As % Of Income) % 49.2 54.8 53.5
Capital Adequacy Ratio % 19.9 20.3 21.3
Net Interest Margin % 3.21 2.75 2.55
Loans (As % Of Deposits) % 76.1 66.9 63.8
NPLs (As % Of Loans) % 18.9 12.8 9.38
Provisions (As % Of NPLs) % 82.5 78.4 80.3
Growth Rates 2015 2016 2017
Total Revenue Growth % -9.28 -6.72 0.687
Operating Cost Growth % -24.2 3.77 -1.67
Operating Profit Growth % 12.0 -16.9 3.54
Net Profit Growth % -133 13.4 -35.9
Customer Loan Growth % -0.354 -0.492 3.72
Total Asset Growth % 1.19 8.27 5.06
Customer Deposit Growth % 6.77 13.2 8.83
Shareholders' Equity Growth % 19.7 15.8 9.33
Employees 7,065 7,078 7,265

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