-
II 2015.
2015.
-
2
:
1. ............. 3 1.1. ............................ 3 1.2.
.......................................................... 4
2.
...............................................................................
6 2.1. ...........................................................
6 2.2.
...........................................................................
8 2.3.
.........................................................................
10 2.4.
.........................................................................
10
3. .................................................... 12 3.1.
..............................................................................
12 3.2.
......................................................................
14 3.3.
..............................................................................................
15 3.3.1.
................................................................
16
4. .................................................... 22 4.1.
............................................................. 22
4.2.
............................................................................................
23 4.3. ................................................. 25 4.4.
........................................................... 26 4.5.
....................................................................
27
5.
.....................................................................
27 6.
.......................................................................
29 7.
............................................................... 30
8.
...................................................................................
32 9. .......... 33
-
II 2015.
3
1.
1.1. 1
2015.
30 2 1.763 (2
) 24.591 (162
).
. 2015. 16
105 , 14
267 ,
.
,
,
, .
1 , , je . 2 MIRABANK a.d. Beograd 16.12.2014. , 05.02.2015. ,
06.04.2015. .
RSD
RSD
. .
*
7 715 24.0% 150 23.7% 483 27.4% 5,807 23.7%
5 526 17.6% 90 14.3% 421 23.9% 5,030 20.5%
2 189 6.3% 60 9.5% 62 3.5% 777 3.2%
23 2,270 76.0% 483 76.3% 1,280 72.6% 18,784 76.4%
2 775 26.0% 172 27.2% 253 14.4% 4,128 16.8%
3 447 15.0% 101 15.9% 214 12.1% 3,421 13.9%
4 397 13.3% 93 14.6% 306 17.4% 4,697 19.1%
3 302 10.1% 48 7.6% 215 12.2% 2,602 10.6%
11 349 11.7% 69 11.0% 292 16.6% 3,936 16.0%
30 2,985 100.0% 633 100% 1,763 100% 24,591 100%
: .
* : , , ,
.
1.1.
%
%
%
%
-
4
2015.
2.984,7 ., 41,0 .
,
10,6 . 2015.
633,4 .
1,2 (
65,1 .) 76,1%
,
19,0% 17,6% ( 33 .)
6,1% 6,3%
( 8,9 .).
, (9 ) 54,2%
0,1
.
1.2.
. -
3 1000,
.
( )
.
76,3% , 75,3%
77,9% .
3
(, , .). 1.000 , 1.000 1.800 , 1.800 .
-
II 2015.
5
2015.
.
Banca Intesa .. ,
, 15,7% 16,2%.
5 10
54.0 76.3 799
() 52.5 75.3 747
49.0 75.8 718
53.1 76.1 750
() 53.6 77.9 830
56.0 80.9 926
() 51.4 77.0 752
51.2 74.9 735
56.4 80.2 850
(%)
HHI*
*- .
: .
1.2.1.
.
%
.
%
.
%
Banca Intesa A.D.- Beograd 430 15.1% 1 463 15.7% 1 484 16.2%
1
Komercijalna banka A.D.-
Beograd 382 13.4% 2 393 13.4% 2 390 13.1% 2
Unicredit Bank Srbija A.D.-
Beograd 259 9.1% 3 282 9.6% 3 291 9.8% 3
Raiffeisen Banka A.D.-
Beograd 219 7.7% 4 230 7.8% 4 231 7.7% 4
Societe Generale banka Srbija
A.D.- Beograd 218 7.6% 5 217 7.4% 5 216 7.2% 5
Agroindustrijska komercijalna
banka "AIK banka" A.D.- Ni 152 5.3% 7 168 5.7% 6 177 5.9% 6
Eurobank A.D.- Beograd 156 5.5% 6 142 4.8% 7 140 4.7% 7
Vojvoanska banka A.D.- Novi
Sad 114 4.0% 9 122 4.1% 8 119 4.0% 8
Banka Potanska tedionica
A.D.- Beograd 109 3.8% 10 115 3.9% 9 117 3.9% 9
Sberbanka Srbija A.D.-
Beograd 97 3.4% 12 111 3.8% 11 114 3.8% 10
1.2.2.
: .
30.06.2015.
r r
30.06.2014. 31.03.2015.
-
6
2.
2.1.
2015.
2011. .
2015. 16,86
., 1,83 .
. 17
21 ., 13 4,14
. ,
. 2015. ,
40%
, 42,52%
.
17.78
10.02
15.9115.03
16.86
-15
-10
-5
0
5
10
15
20
25
6.2011. 6.2012. 6.2013. 6.2014. 6.2015.
: .
2.1.1. ( )
-
II 2015.
7
ROA4
ROE5 1,13% 5,40%, 1,06% 5,00% ()
.
4 Return on assets 5 Return on equity
. RSD
30.06.2015.
Unicredit Bank Srbija A.D.- Beograd 4,733
Banca Intesa A.D.- Beograd 4,197
Raiffeisen Banka A.D.- Beograd 3,257
Agroindustrijska komercijalna banka "AIK banka" A.D.- Ni
2,118
Societe Generale banka Srbija A.D.- Beograd 1,591
Piraeus Bank A.D.- Beograd -1,035
Telenor banka A.D. - Beograd -621
JUBMES banka A.D. - Beograd -591
Sberbanka Srbija A.D.- Beograd -499
Hypo Alpe-Adria-Bank A.D.- Beograd -405
: .
2.1.
1.42 0.73 1.11 1.06 1.13
6.99
3.595.34
5.00
5.40
0.0
2.0
4.0
6.0
8.0
6.2011. 6.2012 6.2013 6.2014. 6.2015.
ROA ROE
: .
2.1.2. ( %)
-
8
peer6 ,
,
( ) 2015.
,
.
2.2.
2015.
,
.
2015.
65,26 . 5,25 . 2014.
, ( 7,49
. 2014. )
( 2,24 . 2014. ).
3,55 .
668
7 2.
( . 21/2015 51/2015).
2015.
3,21 . 2014. ,
( 2,66 .).
0,58
. 2014. .
2014.
0,03
.
2015. ,
4,68 .,
0,1 .
6 (peer 1 5% , peer 2 1 5% , peer 3 1% ) 7 ( . 71/2014
135/2014)
-
II 2015.
9
.
8,47 . ( 1,54 .
2014. ),
13,15 . ( 1,45 .
2014. ).
30.06.2014. 15,031 60,018 16,900 17,877 4,779
30.06.2015. 16,863 65,263 17,197 21,084 4,682
12% 9% 2% 18% -2%
:
2.2.
( .)
0
2
4
6
8
10
12
14
16
18
20
22
24
2014.
2015.
: .
2.2. ( )
-
10
2.3.
2015. 91,52 .,
8,59 ., 10,4% .
(
2014.
).
2.4.
2015.
53,58 . 3,55 .
.
( 50%
72.6% 69.1% 70.8% 72.4%71.3%
20.7% 20.9% 20.6%20.4%
18.8%
5.7% 8.3% 7.0% 5.8%
5.1%
0
10
20
30
40
50
60
70
80
90
6.2011. 6.2012. 6.2013. 6.2014. 6.2015.
O
: .
2.3. ( )
-
II 2015.
11
2015. ) 4,2 .
2014. .
,
2014. .
, (
26% ) 0,3 .,
(7% ) 0,16 .,
(17% ) 0,18
.
, ; 14.1112; 26%
;
3.7681; 7%
; 26.6239; 50%
(
); 9.0746; 17%
: .
2.4. ( 2015.)
-
12
3.
3.1.
2015.
2.984,7 ., 41 .,
1,4% .
(18,5
.),
(15,1 .) (11,2 .).
(20
.).
,
2015.
8,1 .,
1,7 .
62,11%. ,
(17,63%)
(16,0%).
2,6
50
2,8
80
2,8
46
2,9
69
2,4
76
2,8
10
2,8
82
2,8
53
2,9
85
-300
200
700
1,200
1,700
2,200
2,700
3,200
2011 2012 2013 2014 2015
: .
3.1.1. ( )
-
II 2015.
13
( ) 30.06.2015. a a
526,153 40,606 8.4%
1,853,897 -48,259 -2.5%
221,019 -23,475 -9.6%
1,632,878 -24,784 -1.5%
476,538 20,999 4.6%
10,682 299
2.9%
2,236 519
30.2%
380,119 12,911 3.5%
83,501 7,270 9.5%
, 49,974 -1,491 -2.9%
16,379 1,012 6.6%
61,750 2,923 5.0%
2,984,691 15,790 0.5%
: .
3.1.
31.12.2014.
; 526 ; 18%
; 221 ; 7%
; 1633
; 55%
; 380 ; 13%
,
; 66
; 2%
; 158 ; 5%
: .
3.1.2. (30. 2015.)
-
14
3.2.
2015.
21,3 . .
(
23,9 .) ( 12 .),
A ( 8,6 .) ( 6,1
.). , 0,7
2015. 51,7%
, ( )
20,2%.
2015. 2,6 .
2015. 496,3 .
(5,3 .).
2015.
0,5% 16,3
.
47%50% 51%
53% 52%
23%
22%19%
20%20%
10%
9%9%
7%8%6%
5%5%
4% 3%15%15%
16%
16% 17%2,494
2,672 2,568
2,783 2,724
0
500
1,000
1,500
2,000
2,500
3,000
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
3.2. ( )
: .
-
II 2015.
15
3.3.
2015. 7,3 . 1.639,2
.
(20
. ),
( 15,9 .).
,
71,3%.
, 87,0% (62,0%
). ,
3% (2,2% ) 9%
(6,4% ). 2015.
28,7% .
. , 1
70,5% , 5
31,3% .
30.06.2015. 31.12.2014. 30.06.2014. 31.12.2014. 30.06.2014.
36,373 5,945 -86,746 19.5% -70.5%
35,906 -7,166 -1,431 -16.6% -3.8%
158,787 14,565 73,330 10.1% 85.8%
614,279 18,763 53,167 3.2% 9.5%
675,384 -45,955 -54,589 -6.4% -7.5%
26,561 1,418 -5,763 5.6% -17.8%
91,897 -1,598 6,311 -1.7% 7.4%
1,639,187 -14,028 -15,721 -0.8% -0.9%
: .
3.3.
( )
a a
: .
; 1017
.; 62%
; 105
.; 6%
; 35 .;
2%
; 470
.; 29%
; 12 ;
1%
; 107
.; 6%
3 ; 121 .;
7%
3 6 ; 77 .;
5%
6 12 ; 178 .; 11%
1 ; 1156
.; 71%
3.3. ( )
30. 2015.
-
16
3.3.1.
(NPL)
,
. , NPL
,
NPL.
, NPL
(
):
- 90
;
- ( ) ,
, ;
- 90
.
2015. 1,5 . 438,5
., 22,78% 0,2
2015. . 2015.
6,1 . .
,
51,0%. 86,8
. NPL- 19,8%,
2015. 11,34%,
17,1%.
-
II 2015.
17
2015. 113,2%
, 59,6%
.
65% 56%58% 59% 58%
12%13%
14%16% 17%
23% 30%
25%25%
25%342.7365.8 395.3
421.3 438.519.0 18.6
21.4 21.522.8
0
5
10
15
20
25
0
100
200
300
400
500
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
NPL % ()
3.3.1.1. (NPL) ( )
: .
3.3.1.2. NPL ( %)
0
5
10
15
20
25
30
35
40
45
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
( + )
NPL
: .
-
18
57.0 54.9 55.8 59.059.6
129.2 126.5117.9 118.4 116.9
51.0 50.0 50.9 54.9 56.1
121.4 120.7113.8 114.5 113.2
0
20
40
60
80
100
120
140
160
180
200
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
IFRS * / NPL / NPL
IFRS (NPL) ** / NPL / NPL
(. Loan loss reserve); * ; ** ; ( ).
3.3.1.3. ( %)
: .
70
90
110
130
150
170
190
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
3.3.1.4. * ( %)
* : .
-
II 2015.
19
2015. 223,6 . 5,5 . (
2,4%) .
, NPL
( 31,5% NPL 24,6%), (
29,4% NPL 26,1%) ( 16,8%
NPL 48,9%).
30.06.2015. 31.12.2014 30.06.2014. 31.12.2014 30.06.2014.
70,505 -9,387 -22,506 -11.7% -24.2%
65,651 3,638 -8,751 5.9% -11.8%
37,464 1,312 -6,495 3.6% -14.8%
29,003 -27 3,198 -0.1% 12.4%
9,647 -205 281 -2.1% 3.0%
, /, . 10,906 179 24 1.7% 0.2%
: .
3.3.1.1.
( )
a a
30.06.2015. 31.12.2014 30.06.2014.
48.9% 0.6% -5.0%
38.8% 0.2% 0.6%
24.6% -1.0% -4.0%
26.1% 2.9% -4.1%
16.2% 0.4% -1.8%
22.7% 3.5% 8.6%
: .
3.3.1.2. NPL-
(%)
(..)
-
20
2015. 91,0 ., 12,3%
.
5,1 .
,
.
30.06.2015. 31.12.2014. 30.06.2014. 31.12.2014. 30.06.2014.
34,201 6,572 9,071 23.8% 36.1%
22,157 1,542 1,772 7.5% 8.7%
5,484 56 4 1.0% 0.1%
. 4,280 268 111 6.7% 2.7%
3,836 121 271 3.3% 7.6%
: .
3.3.1.3.
( )
a a
3.3.1.5. (30. 2015.)
.; 10 ; 4%
; 71
; 32%
; 0 ; 0%
.; 37 ; 17%
; 66 ; 29%
, / ; 11 ; 5%
; 29
; 13%
; 0 ; 0%
24.6%
48.9%
26.1%
38.8%16.2%
22.7%
NPL
24.6%
48.9%
26.1%
38.8%16.2%
22.7%
NPL
: .
-
II 2015.
21
,
(46,6%), NPL
(37,6%). 2015.
NPL- 9,9%,
1,1 .
NPL-
, NPL 24,4% (27,9%
) NPL 10,7%.
NPL (25,12%)
, 4,2% NPL,
2,1% .
30.06.2015. 31.12.2014. 30.06.2014.
9.9% 1.7 2.1
10.7% 0.3 -0.5
: .
(..)
3.3.1.4. NPL-
(%)
; 22 ; 24%
; 5 ; 6%
; 4 ; 5%
; 4 ; 4%
; 34 ; 38%
*; 21 ; 23%
19.2%
10.7%
15.6%
9.9%
14.9% NPL
25.1%
* = , ,
3.3.1.6. (30. 2015.)
: .
-
22
4.
4.1.
8, 63,4%.
2015.
21,2%, 10,8% .
2015.
10,6 . ( 1,7%),
12,5 .
30,5 . ( 1,3%)
2015. .
22,2
. ( 1,0%) , 10,2
. ( 35,8%) ,
.
.
8 , : , .
30.06.2015. a a
2,229,186 4,249 0.2%
, 332,751 -20,489 -5.8%
1,896,435 24,738 1.3%
123 -1,746 -93.4%
68,700 -3,739 -5.2%
11,647 -677 -5.5%
406,208 -18,603 -4.4%
57,204 2,425 4.4%
33,609 -20,138 -37.5%
203,600 15,644 8.3%
41,633 -1,900 -4.4%
2,984,691 15,790 0.5%
: .
31.12.2014.
( )
4.1. a
-
II 2015.
23
2015.
( ) 34,9% ,
36,6%.
, 2015.
.
( ) 41,2% ( : 40,4%),
58,8% .
, 90,1% ,
(4,9%)
(4,2%).
4.2.
2015.
1.892,6 ., 26,8 .
2015. .
.
2015.
72,7%,
90,3%.
(6,0%) (2,9%).
546
591
595
614
633
2,1
04 2,2
88
2,2
52
2,3
55
2,3
51
0
500
1,000
1,500
2,000
2,500
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
: .
4.1. ( )
-
24
. 47,7%
,
44,6% ( 35% 3 6
),
7,7% .
9
3,1 . 2015. 843,6 .
,
0,8% ( 0,3%) 1,1% (
). ,
, 95,7% .
2015. 3,1
., 9,3%,
(4,3% 2015.
)
9 402 502 , 6 ( )
30.06.2015. 31.12.2014. 30.06.2014. 31.12.2014. 30.06.2014.
56,914 -1,981 -9,729 -3.4% -14.6%
40,460 192 21,027 0.5% 108.2%
100,743 7,405 45,747 7.9% 83.2%
1,106,630 11,179 63,904 1.0% 6.1%
370,779 -13,871 9,059 -3.6% 2.5%
105,659 -3,992 12,288 -3.6% 13.2%
111,393 2,177 10,625 2.0% 10.5%
1,892,577 1,108 152,920 0.1% 8.8%
: .
4.2.
( )
a a
-
II 2015.
25
4.3.
2015. 323,1 .,
5,0 . (1,5%),
9,3 (
11,3 ., 2,0 .).
5,4 .,
6,4 ., 1,0 .
, 81,3% ( : 82,9%),
30.06.2015. 31.12.2014. 30.06.2014. 31.12.2014. 30.06.2014.
vernight 49,195 8,492 10,348 20.9% 26.6%
262,786 -10,519 -38,118 -3.8% -12.7%
11,137 3,348 6,615 43.0% 146.3%
323,118 1,321 -21,155 0.4% -6.1%
4.3.
( )
a a
: .
: .
4.2. (30. 2015.)
3 ;
1237 ; 65%
3 6 ; 296 ; 16%
6 12 ; 214
; 11%
1 ;
146 ;
8%
.; 1107 ; 58%
. ( );
472 ; 25%
; 106
; 6%
.;
209 ; 11%
; 517
; 27%
; 1242 ; 66%
;
133 ;
7%
-
26
overnight 15,2% ( :
15,3%) 3,4% ( : 1,8%).
,
(61,1%), 2 5
(50,6% ).
255,0 . (
: 265,9 .), 27,8 .
( : 28,1 .),
37,4 . ( : 32,5 .).
4.4.
2013.
. 2015.
214,6 .
10,0 . (4,4%) ,
.
,
65% .
(67,9%),
(77,0%).
86,6%
12,6%
( : 87,6%, 12,2%).
30.06.2015. 31.12.2014. 30.06.2014. 31.12.2014. 30.06.2014.
vernight 4,951 4,951 3,689 292.4%
208,331 -16,781 -64,095 -7.5% -23.5%
1,299 -82 256 -5.9% 24.6%
214,581 -11,913 -60,150 -5.3% -21.9%
4.4.
( )
a a
: .
-
II 2015.
27
4.5.
2015. 68,7 .,
0,2% .
(43,5%) (29,7%).
91,3% , 7,9%
0,8% .
42,3%
, 68,7%.
(68,7 .),
31,8 .
5.
2015. ( 0,1%),
( 1,2% 71,5 .)
( 12,3 . 29,7%). 2015.
7.138,6
.
22,4% ,
59,7%, 84,6%.
71,5 .
123,9 . (7,4%).
31,4 .
(1,4%), 62,5 . (6,8%).
-
28
(91,7%) 10
( , ).
( )
2015. 590,3 ., 8,9
., 1,5% .
2015. 11
417,6 ., 13,4 . (3,1%)
, 5,8% (
6,0%).
10 . . 11 (252,2 .), (111,7 .) (53,7 .).
30.06.2015. 31.12.2014. 30.06.2014. 31.12.2014. 30.06.2014.
252,223 -15,495 -4,481 -5.8% -1.7%
468,826 -24,202 189,618 -4.9% 67.9%
165,374 -9,360 -18,469 -5.4% -10.0%
144,980 -70,338 117,114 -32.7% 420.3%
82,743 -1,142 -146,780 -1.4% -64.0%
5,947,561 1,087,137 3,931,309 22.4% 195.0%
: .
5.1.
( )
a a
20% 17% 15% 7% 6%
12% 12% 10% 8% 7%
67% 70% 73%
84%
87%
2,475.1 2,980.2 3,160.0
6,155.5
7,138.6
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
12.2011. 12.2012. 12.2013. 31.12.2014 6.2015.
5.1. ( )
: .
-
II 2015.
29
6.
. 2015.
2,34,
1,91 (
1,0 0,7 ).
2015.
37,1% ( 2015.
36,3%).
,
2014. .
(
15,6 .),
( 8,5 .). 4,5 .,
.
2015.
20 . ( 2015.
).
13,1
., 2015. 459,7 .
58,7% ( 2015. 57,5%).
2.172.08
2.41
2.16
2.34
1.451.58
1.811.68
1.91
1.271.20 1.14
1.03 1.02
0.38 0.34 0.39 0.37 0.37
0.00
0.50
1.00
1.50
2.00
2.50
3.00
12.2011. 12.2012. 12.2013. 12.2014. 6.2015.
6.1.
: .
-
30
7.
,
,
. 2015.
21,41%,
(12%),
(8%).
2015.
,
.
445 446 383
303 316
74 63
58
45 46
-196-159
-95 -8 -8
19.1119.87
20.94
19.96
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150
350
550
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Tier 2 Tier 1
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2
3
4
5
6
7
8
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6
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10
12
14
16
18
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