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Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
1,012 1,331
0%
20000%
40000%
60000%
80000%
100000%
120000%
140000%
662.7 848.0
0%
10000%
20000%
30000%
40000%
50000%
60000%
70000%
80000%
90000%
302.6 348.1
0%
5000%
10000%
15000%
20000%
25000%
30000%
35000%
40000%
19.56% 20.53%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
74.1 77.7
0%
1000%
2000%
3000%
4000%
5000%
6000%
7000%
8000%
9000%
181.9
(3.8)
49.71% 45.87%
0%
10%
20%
30%
40%
50%
60%
Clasificare BT: Uz Intern
•
•
432 435
445451 452
9.6%9.0%
9.5%
5.5%4.7%
350
370
390
410
430
450
470
2%
4%
6%
8%
10%
12%
14%
1Q18 2Q18 3Q18 4Q18 1Q19
5.7% 5.6%5.0% 4.9% 4.8%
2Q18 3Q18 4Q18 1Q19 May19
Clasificare BT: Uz Intern
•
•
•
242248
251255
260
6.8%
6.3%
7.9%7.7%
7.1%
200
210
220
230
240
250
260
270
5%
6%
6%
7%
7%
8%
8%
9%
9%
10%
10%
2Q18 3Q18 4Q18 1Q19 2Q19
-15
-12
-9
-6
-3
0
3
6
9
12
15
18
2Q14 2Q15 2Q16 2Q17 2Q18 2Q19
household - other loanshousehold - housing loanshousehold - consumer loanscorporate loans
Clasificare BT: Uz Intern
158 162 165 168 173
85 86 85 87 87
0%
2000%
4000%
6000%
8000%
10000%
12000%
14000%
16000%
18000%
20000%
2Q18 3Q18 4Q18 1Q19 2Q19
80%69%
87%
59%
20% 31%13%
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
Clasificare BT: Uz Intern
•
•
AB2%
BiH3% BG
9%HR8%
MK2%MNE
1%
RO32%
SRB6%
EL30%
SI7%
-15
-10
-5
0
5
10
15
20
1Q14
1Q15
1Q16
1Q17
1Q 1
8
1Q19
Fixed investments (%, YoY)
Private consumption (%, YoY)
Clasificare BT: Uz Intern
•
•
•
•
70
80
90
100
110
120
130
Ju
n-0
7
Ju
n-0
8
Ju
n-0
9
Ju
n-1
0
Ju
n-1
1
Ju
n-1
2
Ju
n-1
3
Ju
n-1
4
Ju
n-1
5
Ju
n-1
6
Ju
n-1
7
Ju
n-1
8
Ju
n-1
9
3
4
5
6
7
8
-10
-5
0
5
10
15
20
Ma
y-0
7
Feb
-08
No
v-0
8
Au
g-0
9
Ma
y-1
0
Feb
-11
No
v-1
1
Au
g-1
2
Ma
y-1
3
Feb
-14
No
v-1
4
Au
g-1
5
Ma
y-1
6
Feb
-17
No
v-1
7
Au
g-1
8
Ma
y-1
9
Real wage (MA12, %, YoY)Unemployment rate (MA12, %) (rhs)
Clasificare BT: Uz Intern
•
•
•
-4
-2
0
2
4
6
8
Ju
n-1
3S
ep-1
3D
ec-
13M
ar-
14J
un
-14
Sep
-14
De
c-14
Ma
r-15
Ju
n-1
5S
ep-1
5D
ec-
15M
ar-
16J
un
-16
Sep
-16
De
c-16
Ma
r-17
Ju
n-1
7S
ep-1
7D
ec-
17M
ar-
18J
un
-18
Sep
-18
De
c-18
Ma
r-19
Ju
n-1
9
2.0
2.5
3.0
3.5
4.0
4.5
5.0
5.5
4.2
4.3
4.4
4.5
4.6
4.7
4.8
Ju
n-1
5
Oct
-15
Feb
-16
Ju
n-1
6
Oct
-16
Feb
-17
Ju
n-1
7
Oct
-17
Feb
-18
Ju
n-1
8
Oct
-18
Feb
-19
Ju
n-1
9
EUR/RON 10 YR bonds yield (rhs)
Clasificare BT: Uz Intern
•
•
•
•
•
-4.0
-3.5
-3.0
-2.5
-2.0
-1.5
-1.0
-0.5
0.0
0.5
1.0
6M
09
6M
10
6M
11
6M
12
6M
13
6M
14
6M
15
6M
16
6M
17
6M
18
6M
19
-4.5
-4.0
-3.5
-3.0
-2.5
-2.0
-1.5
-1.0
-0.5
0.0
6M
09
6M
10
6M
11
6M
12
6M
13
6M
14
6M
15
6M
16
6M
17
6M
18
6M
19
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
•
•
40%
81%
127%
2016
46%
2014
79%74%
126%
117%
2015
43%
57%49%
78%
2017
119%
76%
2018
50%
76%
H1 2019
127%133%
NPL coverage with provisions
NPL coverage with mortgage collaterals
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
•
•
•7.5
10.3
15.1
16.7
18.3
21.8
3.3
2.9
201820162014 20172015 H1 2019
13.6
21.2
Loans transferred from Bancpost
Loans transferred from VBRO
Retail loans
Clasificare BT: Uz Intern
•
•2.6
2.8
3.2
4.3
4.7
5.3
0.3
0.3
2014 2015 2016
5.0
2017 H1 2019
2018
3.1
Loans transferred from VBRO
Loans transferred from Bancpost
SME loans
Clasificare BT: Uz Intern
•
•
•
10.0
10.1
11.110.7
11.0
13.1
0.9
1.6
H1 2019
2014 2015 2016 2017 2018
11.0
12.6
Loans transferred from Bancpost
Loans transferred from VBRO
Corporate loans
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
Clasificare BT: Uz Intern
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