Clasificare BT: Uz Intern - Banca Transilvania · Clasificare BT: Uz Intern • • 133% 2014 2016 45% 76% 40% 43% 77% 46% 117% 78% 2013 81% 79% 2015 74% 49% 2017 122% 57% 2018 127%

Clasificare BT: Uz Intern



59.3 74.1

0%

1000%

2000%

3000%

4000%

5000%

6000%

1,808 2,478

0%

50000%

100000%

150000%

200000%

250000%

300000%

1,186 1,219

0%

20000%

40000%

60000%

80000%

100000%

120000%

140000%

48.53%

49.87%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

19.21% 2…

0%

5%

10%

15%

20%

581 695

0%

10000%

20000%

30000%

40000%

50000%

60000%

70000%

80000%

1

-231

0%

5000%

10000%

15000%

20000%

25000%


59.3 67.6

0%

1000%

2000%

3000%

4000%

5000%

6000%

1,808 2,125

0%

50000%

100000%

150000%

200000%

250000%

1,186 1,197

0%

20000%

40000%

60000%

80000%

100000%

120000%

140000%

48.53%

46.18%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

581 634

0%

10000%

20000%

30000%

40000%

50000%

60000%

70000%

1,377 1,636

0%

20000%

40000%

60000%

80000%

100000%

120000%

140000%

160000%

180000%

1

-53

0%

1000%

2000%

3000%

4000%

5000%

6000%


•

•

428 432 435

445451

8.7%9.6%

9.0%9.5%

5.4%

350

370

390

410

430

450

470

2%

4%

6%

8%

10%

12%

14%

4Q17 1Q18 2Q18 3Q18 4Q18

6.4% 6.2%5.7% 5.6%

5.0%

4Q17 1Q18 2Q18 3Q18 4Q18


•

•

233237

242248

251

5.7%6.1%

6.8%6.3%

7.9%

200

210

220

230

240

250

260

4%

5%

6%

7%

8%

9%

10%

4Q17 1Q18 2Q18 3Q18 4Q18

7.7 8.1 8.3 7.8 7.3

1.63.2 3.5 3.6 3.9

-0.5 -0.5 -0.1 0.0 -0.1

3.72.8

3.7 3.47.3

4Q17 1Q18 2Q18 3Q18 4Q18

corporate loanshousehold - other loanshousehold - consumer loanshousehold - housing loans


146 151158 162 165

87 86 85 86 85

0%

2000%

4000%

6000%

8000%

10000%

12000%

14000%

16000%

18000%

4Q17 1Q18 2Q18 3Q18 4Q18

79%66%

86%

59%

21% 34%

14%

41%

household -consumer loans

household -housing loans

household -other loans

non-financialcorporate loans

•

•

•

RO

N l

oa

ns

FC

Y l

oa

ns

FCY loans

RON loans


•

•

-6

-4

-2

0

2

4

6

8

10

1Q10

2Q

11

3Q

12

4Q

13

1Q15

2Q

16

3Q

17

4Q

18

-15

-10

-5

0

5

10

15

20

4Q

10

2Q

11

4Q

11

2Q

12

4Q

12

2Q

13

4Q

13

2Q

14

4Q

14

2Q

15

4Q

15

2Q

16

4Q

16

2Q

17

4Q

17

2Q

18

4Q

18

Private consumption (%, YoY)

Fixed investments (%, YoY)


•

•

-4

-2

0

2

4

6

Ja

n-1

4

Ma

y-1

4

Sep

-14

Ja

n-1

5

Ma

y-1

5

Sep

-15

Ja

n-1

6

Ma

y-1

6

Sep

-16

Ja

n-1

7

Ma

y-1

7

Sep

-17

Ja

n-1

8

Ma

y-1

8

Sep

-18

Ja

n-1

9

ROBOR 3M (%)

Inflation (%, YoY)

NBR policy rate (%)

4.50

4.55

4.60

4.65

4.70

4.75

4.80

No

v-1

7

De

c-17

Ja

n-1

8

Feb

-18

Ma

r-18

Ap

r-18

Ma

y-1

8

Ju

n-1

8

Ju

l-18

Au

g-1

8

Sep

-18

Oct

-18

No

v-1

8

De

c-18

Ja

n-1

9






•




•

•

133%

2014 2016

45%

76%

40%43%

77%

46%

117%

78%

2013

81% 79%

2015

74%

49%

2017

122%

57%

2018

127%

119%

127%

NPL coverage with mortgage collaterals

NPL coverage with provisions



•

•

•

•

6.87.5

10.3

15.1

16.7

18.3

3.3

2.9

20172013

13.6

21.2

20152014 20182016

Loans transferred from Bancpost

Retail loans

Loans transferred from VBRO


•

•2.5 2.6

2.8

3.2

4.3

4.7

0.3

0.3

5.0

2018201720162013 2014 2015

3.1



SME loans


•

•

•

9.9 10.0

10.1

11.110.7

11.2

0.9

1.6

2013 20172014 20162015 2018

11.0

12.8

Corporate loans




Internet & Mobile Banking

First mobile wallet in Romania

+ Garmin PAY+ Fitbit Pay

Non-financial services for SME customers


Best shopping experience – credit cards

Educational platform for young entrepreneurs

Livia de la BT (Facebook Messenger) –chatbot for retail customers


Raul de la BT (Facebook Messenger) –chatbot for SME customers

The largest online platform for financial education









#

Documents

Clasificare BT: Uz Intern - Banca Transilvania · Clasificare BT: Uz Intern • • 133% 2014 2016 45% 76% 40% 43% 77% 46% 117% 78% 2013 81% 79% 2015 74% 49% 2017 122% 57% 2018 127%