By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - September 27, 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...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RON mil | 270 | 303 | 293 |
| Net Fee Income | RON mil | 74.9 | 48.5 | 47.0 |
| 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 |
| 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 | |
Get all company financials in excel:
| 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 | ||||||
| valuation | ||||||||||||||
| Book Value Per Share Growth | % | ... | -50.0 | 5.84 | 26.5 | 68.3 | 53.7 |
| 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 |
Get all company financials in excel:
By Helgi Library - September 27, 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 equity of 9.73%. Historically, the bank’s net profit reached an all time high of RON 84.5 mil in 2017 and an all time low of RON -1...
By Helgi Library - September 27, 2018
OTP Bank Romania's customer loans reached RON 6,917 mil in 2017, up 10.5% 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. OTP Bank Romania accounted for 2.97% ...
By Helgi Library - September 27, 2018
OTP Bank Romania's customer loans reached RON 6,917 mil in 2017, up 10.5% 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. OTP Bank Romania accounted for 2.97% ...
By Helgi Library - September 27, 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 ...
By Helgi Library - September 27, 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 ...
By Helgi Library - September 27, 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...
By Helgi Library - September 27, 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...
By Helgi Library - September 27, 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 ...
By Helgi Library - September 27, 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 ...
By Helgi Library - September 27, 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 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.
Helgi Library 
