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CEC Bank

Created with Highcharts 6.0.4Sales and Profits (RON mil)Total RevenuesNet Profit20122013201420152016109011001110112011300204060

CEC Bank's mortgage loans rose 17.0% to RON 3,215 mil in 2016

By Helgi Library - November 29, 2018

CEC Bank's mortgage loans reached RON 3,215 mil in 2016, up 17.0% compared to the previous year. Romanian banking sector provid...

CEC Bank's mortgage loans rose 17.0% to RON 3,215 mil in 2016

By Helgi Library - November 29, 2018

CEC Bank's mortgage loans reached RON 3,215 mil in 2016, up 17.0% compared to the previous year. Romanian banking sector provid...

CEC Bank's npls (as % of loans) fell 30.4% to 15.0% in 2016

By Helgi Library - May 29, 2018

CEC Bank's non-performing loans reached 15.0% of total loans at the end of 2016, down from 21.5% compared to the previous year. ...

Profit Statement 2015 2016 2017
Net Interest Income RON mil 817 786 ...
Net Fee Income RON mil 198 222 ...
Other Income RON mil 106 104 ...
Total Revenues RON mil 1,122 1,112 ...
Staff Cost RON mil 348 357 ...
Operating Profit RON mil 474 466 ...
Provisions RON mil 459 451 ...
Net Profit RON mil 11.0 9.60 ...
Balance Sheet 2015 2016 2017
Interbank Loans RON mil 122 867 ...
Customer Loans RON mil 13,415 14,591 ...
Total Assets RON mil 27,508 28,163 31,651
Shareholders' Equity RON mil 2,131 2,113 ...
Interbank Borrowing RON mil 1,760 2,054 ...
Customer Deposits RON mil 23,477 23,874 ...
Issued Debt Securities RON mil 0 0 ...
Ratios 2015 2016 2017
ROE % 0.517 0.453 ...
ROA % 0.040 0.034 ...
Costs (As % Of Assets) % 2.33 2.32 ...
Costs (As % Of Income) % 57.7 58.1 ...
Capital Adequacy Ratio % 14.3 14.8 15.3
Net Interest Margin % 2.95 2.82 ...
Loans (As % Of Deposits) % 57.1 61.1 ...
NPLs (As % Of Loans) % 21.5 15.0 ...
Provisions (As % Of NPLs) % 51.2 41.6 ...
Growth Rates 2015 2016 2017
Total Revenue Growth % 0.950 -0.838 ...
Operating Cost Growth % -0.826 -0.100 ...
Operating Profit Growth % 3.48 -1.84 ...
Net Profit Growth % 42.3 -12.7 ...
Customer Loan Growth % 12.5 8.76 ...
Total Asset Growth % -1.69 2.38 12.4
Customer Deposit Growth % 0.402 1.69 ...
Shareholders' Equity Growth % 0.359 -0.835 ...
Employees 6,211 6,039 ...

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