Banking Sector in BiH

7/25/2019 Banking Sector in BiH

1/17

2015

Banking sector outlook

Bosnia and Herzegovina


2/17

At the end of June 2015the banking sectors

consisted of 26 banks

Total assets of Banking

sector is 22.8mld BAM

increased b! 18"

com#ared to the end of

201$

%&e#resented our #eer banks

%%'ategori(ation is done

based on local standards

)olume of assets

Banking sector overview

PCB2%

Sparkasse5%

Bosna Bank International3%

ai!!eisen15%

"#B Banka

$%

Intesa Sanpaolo Bank%

S&er&ank$%

'niCredit Bank1(%

"ova Banka%

)iraat Bank3%

*t+er &anks33%


3/17

#oans

*'B has 21" share in total loans and recorded increase of share b! 02"com#ared to 201+

&aiffeisen Bank decreased ,-* in )olume of 0" or share in the total loans

decreased b! 0$"

/iraat Bank recorded the highest groth of ,-* 1+"

*'B2"

#arkasse

5"

Bosna Bank nternational

2"&aiffeisen1$"

3-B Banka$"

ntesa an#aolo Bank"

berbank5"

/iraat Bank2"

4ni'redit Bank1"

ther banks+"


4/17

"u,&er o! e,plo-ees

Banks had structural changes reflected in unstable number of staff o)er recent

!ears

7ce#tins are9 &aiffeisen Bank /iraat Bank and ntesa an#aolo Bank.

*'B as bank ith highest decrease of number of em#lo!ees due to business

model change.


5/17

Gross loan portfolio per employee

Almost all the Banks ha)e increased efficienc! due to groth of their loan #ortfolio

*'B efficienc! gre strongl! in com#arison ith the other banks


6/17

.eposits

*'B has 1." share in total de#osits and recorded same share

com#ared to 201$.

&aiffeisen Bank decreased de#osits in )olume of :2" or share in the

total de#osits b! 0$"

7merging Bank )iraat Bank

*'B2"

#arkasse6"

Bosna Bank nternational+"

&aiffeisen1"

3-B Banka5"

ntesa an#aolo Bank"

berbank5"

/iraat Bank2"

4ni'redit Bank20"

ther banks

+1"


7/17

.eposits to #oans ratio

Three leading banks ha)e de#ostis to loans ratio more than 100"

*'B has the loest de#ostis to loans ratio and this ratio is shoing decreasing

trend in current !ear

*'B #arkas seBos na Bank nternational&aiffeis en 3-B Banka ntes a an#aolo Bank berbank /iraat Bank 4ni'redit Bank

60"

0"

80"

0"

100"

110"

120"

1+0"

1$0"

81"

101"

11+"

12$"

102"

80"

$"

8+"

110"

"

10$"106"

126"

11+"

8"

1"88"

110"

+"

100"

+"

12"

108"

85"8"

8"

106"

201+ 201$ 2015


8/17

"P# /nal-sis

Total le)el of 3*- in sector increased b! 01" from

1$.0" in ;$ 201$ to 1$1" in ;2 201

.

*'B 3*- ratio is 1+" in Aug 2015

There is an increase of 3*- in most 77 countries

starting from 2008.

-ocal regulations aside hen com#ared to other

neighboring countries Bosnia had loer than a)erage 3*-

groth rate.

Albania

Bosnia and


9/17

*perational e!!icienc- o! t+e &anking sector

*ro'redit bank #arkasse berbank 3o)a BankaBB and /iraat recorded the highest share of net ,-* in total assets in range of 5":81"

The most #rofitable banks in sector ?&/B 4nicredit@ ha)e a higher share of highl! liuid assets in total assets hich ranges from 20" :28"

0"

10"

20"

+0"

$0"

50"

60"

0"

80"0"

100"

12" 11"5"

22"11"

1""

16"5"

12"

6" 6" 1$"

6"15" 6"

5"

"

"0"

5" 5"" 5" 6" +"

86" 6"" 81"

0" $"0"

8"$" +" 0" 8" $" 1"

$" $" +" $" 2" 1" 2" 2" +" 6"Structure o! assets

Ta assets

=ied assets

ther assets

=inancial in)estment

3et loans

&ecei)able for interest and fee

'ash in foreign Banks

'ash and cash eAui)alents

0500000000

1000000000150000000020000000002500000000+000000000+500000000$000000000$500000000

+62$+0+655$8+22 56+266+6

+800$5+26

80+55511+++1+5

8628$+88

+$522+0+

1$581+816

+$866+88$86+610+81+8110

6+816$0$1

+0808081

10165651$$+06+56+

10068$50+$

+6528

15$$8520

5$52155$056128105+2625

666+8+2

+66860$5+

222$551155$68+6

100+28882

$0+6806

158+5626560120$0

Total assets b! banks

ec:1+ ec:1$ Jun:15


10/17


*'B generates the highest interest income C total assets and amounts to 5.6"

4nicredit Bank recorded same le)el of interest income in 2015D

+.00"

$.00"

5.00"

6.00"

.00"

8.00" .0"

5."

$.55"

5.1+" 5.0"

5.$" 5.80"

5.10"5.$"

5.2+"

6.++"

5."

$.1"

$.81" $.2"

5.1"5.+5"

$.66"

5.+8"$.81"

5.6"5.+"

$.0+"

5.0"

$.$6"

5.++"

5.+0" $.6+" 5.+5"

$.6+"

Interest inco,eotal assets

ec:1+

ec:1$

Jun:15

in milion BAM

*'B#arkass

e

BosnaBank

nternational

&aiffeisen3-B

Banka

ntesaan#aolo

Bankberbank

4ni'reditBank

3o)aBanka

/iraat Bank

nterest income ec:1+ 2$282 566 20++ 1006+ $0$1+ 0+6 $+085 18056+ +005 16+8

ec:1$ 2+ 5856 25080 18066 $0$$8 26 50021 185 82161 2262

Jan:15 1101 281$2 1+1+5 +888 20$15 +$6 2606 +206 $2$8 1+281


11/17


ecreasing trend in the a)erage cost of borroed funds are in all #resented banks ece#t &aiffeisen

As is the case ith interest income interest e#enses in *'B has fastest declining trend b! 0.5" #er !ear

0.50"

1.00"

1.50"

2.00"

2.50"

+.00" 2.+"

1.2"

2.18"

1.+"

2.28"

2.00" 2.02"

1.1$"

2.85"

1.$8"

2.$"

1.5+"

1.5"

1.28"

1."

1.8"

2.02"

1.06"

2.68"

1.+0"

2.12"

1.2"

1.$8"1.+$"

1.62"

1.$$"

1.1"

0.1"

2.55"

1.2"

Interest e2penses01otal assets

ec:1+

ec:1$

Jun:15

in milion BAM

*'B #arkasse

BosnaBank

nternational

&aiffeisen3-B

Banka

ntesaan#aolo

Bankberbank

4ni'reditBank

3o)aBanka

/iraat Bank

nterest e#enses ec:1+ 1006 1656 25 508+ 1806 26621 15006 $0$68 +801 ++1

ec:1$ 266 15+15 10506 $80 1615 2$65 1885+ $068 $06 61+5

Jan:15 $226 66$ $821 2$20 $2 1081 6+8 18$11 20286 +1+


12/17


*'B achie)ed 2$.6" of the fee income ?including disbursement fee@ in total income ith an annual groth in share of 15".

-argest share of fee income in total income has achie)ed 3-B ith ++".

2.00"

2.50"

+.00"

+.50"

$.00"

$.50"

5.00"

5.50"

6.00"

$.1+"$.25"

2.+"

+.6"

2.82"

+.$"+.8"

+.6"

2.62"

+.5"+.86"

$.25"

2.$+"

+.5+"

2.5"

+.+"

+.++"+.60"

2.0"

+.51"

+.85"$.0"

2.55"

+.5"

2.8+"

+.8"

+.+"

+.1"

2."

+.++"

"3I 4average assets5

ec:1+

ec:1$

Jun:15

15"

20"

25"

+0"

+5"

$0"

2+"2$"

2"

2"

+$"

1"

21"

2"

2"

25"25"26" 26"

2"

+$"

20"

2+"

+0"

2"

22"

25"

2" 28" 2"

++"

21"

2$"

2"

2"

1"

6ee inco,e01otal inco,e

ec:1+

ec:1$

Jun:15


13/17


A)erage #ersonnel e#ense #er em#lo!ee in *'B in 2015. as on higher le)el com#ared to the 201$

Administrati)e e#enses #er em#lo!ee increased in all banksD a)erage administrati)e e#ense #er em#lo!ee in *'B increased as a result of less

number of staff com#ared to the 201+

0 E

500 E

000 E

500 E

000 E

500 E

000 E

500 E

000 E

2006

2560

2118

25652+$

2$82 2$8+

215

2$+5

202

206$

25

206$

2$2+28 2$10

26+$

+012

2+8210208

260

2126

2868

25202+6 2$88

+02

261

2++6

Personal e2p70"u,7 o! e,plo-ees ,ont+l-

ec:1+

ec:1$

Jun:15

*includes all operational exp.

without gross sallaries(includes depreciation)

1000

1500

2000

2500

+000

+500

$000

$500

5000

285

+51

2+$$

+8

2660

$+$1

++5

$86+

+88$

26

+251

+865

2+++

+608

265$

$+1

+5$2

$566

$1+0

2+$

+5+2+806

2$0

++

2+

$26

+6+

$6+5

+80

285$

/d,inistrative e2p70"u,7 o! e,plo-ees ,ont+l-

ec:1+

ec:1$

Jun:15


14/17


*ro'redit bank is still ith the highest share of administrati)e costs in total net o#erational income but ith decreasing trend of that ratio

All anal!(ed banks recorded decrease of 'C ratio com#aring to the last !ear

$0"

50"

60"

0"

80"

0"

100" "

62"

"

5"

65"6+"

1"

5"

8+"

1"

2"

62"

2"

5"

62"

58"

0"

56"

6"

6"

80"

58"

6$"

5$"

58"

5$"

6+"

50"

6+"62"

C0I ratio

ec:1+

ec:1$

Jun:15


15/17


All anal!(ed banks recorded increase of &eturn on 7uit!

0"

2"

$"

6"

8"

10"

12"

1$"

16"

18"

20"

2.6"

.5"

+.$"

8.+"

5.2"

.+"

2.+"

.6"8."

2.5"

0.2"

8."

$.5"

10.$"

6.2"

."

+.$"

10.0" .6"

5.1"

0.1"

15.$"

+.1"

1+."

.$"

11.+"

$."

12.5"

10.2"

5.$"

*8

ec:1+

ec:1$

Jun:15

0"

1"

1"

2"

2"

+"

+"

0.+"

0."0."

1.1"

0.5"

1.0"

0.$"

1.6"

0.8" 0.8"

0.0"

1.1"

0."

1.$"

0.6"

1.$"

0.5"

1.6"

0." 0.8"

0.0"

1."

0.$"

1."

1.0"

1.6"

0.8"

2.1"

0.8"0."

*/

ec:1+

ec:1$

Jun:15


16/17


0 20 $0 60 80 100 120 1$0 160 180 200

0

20

$0

60

80

100

120

"u,&er o! units

0

500000

1000000

1500000

2000000

2500000

+000000

+500000

10506$6

208+1 20188$

2$82++$

1+660

252$88

218$$2

22+65

2+518+6

1+56+

1261+21

218555$20$5+8

2+$861

205$550

266

2+8588

+1582

2515+6

221020

1$+05

22101$21082

25$$8

215$8$

211++

2++10

+++82

2562$5$

2+60$8

1otal /ssets0 "u,7 e,plo-ee

ec:1+

ec:1$

Jun:15


17/17


0

10000000

20000000

+0000000

$0000000

50000000

60000000

.0000000

1105681

850..81

2.2$68

$2512++

$2115.8

1+5+6+

2.2$62.

55++52+8

1011.+82

106585.1

106+8$11

$01+.+2

5+85+68

51..6.0

152.12.

$62162.

612$52

11$261+1

+..6$6

258$$

+6$+8

1$11$80

+58+2.80

$$82615

120$121

+8+8520

$1$$+.2+

65+.562

2000055

6inancial result

Bec:1+

Bec:1$

Jun:15

Banking Sector in BiH

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