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FINANCIAL ANALYSIS
of THE COMMERCIAL BANK
“Banca Sociala”
Period 2008-2010
Made by:
Chisinau 2011
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In this year,2011,”Banca sociala” accomplishes 20 years of activity. In all this time,
the bank passed through different periods- good ones ,not very good ones, even difficult
ones. But all this periods served for the future development.
Like a prove is the structure of the capital of the bank in 2010(fig 1)
Fig 1
Structure of the capital 2010
profit nedistribuit,
308289466
act iuni, 100006700
rezerve pt reevaluarea
mijloacelor fixe, 50560367
alte rezerve, 0
surplus de capital, 1777
capital de rezerva,
19516900
The biggest part of the capital is represented by the profit ,which shows that the bank is
managed very good and that it has an insurance for the future difficulties .
Also we can compare actual results with the precedent periods of the capital and
analyzing the evolution of the capital from 2008-2010(fig 2)
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Fig 2
Evolution of the capital
0
50000000
100000000
150000000
200000000
250000000
300000000
350000000
2 0 0 8
t r I
2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 9
t r I
2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 1 0
t r I
2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
actiuni
surplus de capital
capital de rezerva
rezerve pt reevaluarea mijloacelor
fixe
alte rezerve
profit nedistribuit
In this diagram we see that the bank is increasing the capital, even if it faced to
financial crises from 2008 and is developing step by step in every year , keeping their
position in the top of Moldova’s Banks.
The capital of the bank has increased in 2009 by 33 millions lei , or 9%.
In 2010 the capital of the bank has increased by 50 millions lei, especially by shares.
Another indicators of the financial situation of the bank is total normative capital
and capital adequacy(fig 3) . In the last year the TNC has increased by more than 10%
getting the amount of 426 millions lei (fig 4). The capital adequacy is a little bit more than
the double of the minimum necessary (12%) , achieving 29% (fig 5).
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Fig 3
Denumirea
indicatorilor
Normativ Perioada
2008 2009 2010Capital normative
total(mii lei)
X 331111 362439 426151
Capital de gradul I 100000 331111 362439 426151
Capital de gradul
II
X 0 0 0
Suficienta
capitalului ponderat
la risc(%)
>=12% 25.02% 26.19% 29.10%
Fig 4
The evolution of the total normative capital
0
50000
100000
150000200000
250000
300000
350000
400000
450000
2008 2009 2010
capital
normativ total
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Fig 5
Capital adequacy
0
5
10
15
20
25
30
35
4045
2008 2009 2010
suficientacapitalului
>12 %
One of the premises of ensuring the long-term durable
development is attraction of the deposits. At this chapter the portfolio of
deposits is wade registering sight deposits, time deposits for individuals,
for legal entities .
First type are sight deposits with interest rate. Most of all are
interested of this type legal entities registering an increase by almost
100000 lei. Individuals have a rise of 50000 lei .(fig 6).
Also the bank is providing time deposits of which more interested
are individuals. In 2010 we have good results even if at the end of the
year the amount is decreasing in comparison with the start of the year
by 150000 lei (fig 7).
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Fig 6
Depozitele la vedere cu dobinda (lei)
0
100000
200000
300000
400000
500000
600000
700000
800000
t r I 2 0 0 8
t r I I 2 0 0 8
t r I I I 2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I 2 0 0 9
t r I I I 2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I 2 0 1 0
t r I I I 2 0 1 0
t r I V
2 0 1 0
PF (lei)
PJ (lei)
PF (valuta)
PJ (valuta)
Fig 7
Depozitele la termen cu dobinda (lei)
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0
50000
100000150000
200000
250000
300000
t r I 2 0 0 8
t r I I 2 0 0 8
t r I I I 2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I 2 0 0 9
t r I I I 2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I 2 0 1 0
t r I I I 2 0 1 0
t r I V
2 0 1 0
PF (lei)
PJ (lei)
PF (valuta)
PJ (valuta)
Sight deposits without interest rate is preferred by legal entities and we can
observe a continuous increasing in the amount of it . From 2008-2010 an amount of
150000 lei (fig 8)
Fig 8
Depozitele la vedere fara dobinda (lei)
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0500000
1000000150000020000002500000
3000000350000040000004500000
t r I 2 0 0 8
t r I I 2 0 0 8
t r I I I 2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I 2 0 0 9
t r I I I 2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I 2 0 1 0
t r I I I 2 0 1 0
t r I V
2 0 1 0
PF (lei)
PJ (lei)
PF (valuta)
PJ (valuta)
In conclusion I can say that the most important client are legal
entities. The number and the amount of deposits being higher than of
individuals. But anyway it has good perspectives having about 200000
accounts
For the trust that clients offer to bank, the last one is paying to
them an interest rate. By the time the rate is falling especially for the
time deposits. This we can conclude from the fig 9 , 10 . If at the
beginning of 2008 the interest rate for time deposits in lei was ~15% ,in
2009 ~about 20 % ,at the end of 2010 is below 10%.
Fig 9
Rata dobinzii la depozitele la vedere (%)
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0
1
2
3
4
5
6
7
t r I 2 0 0 8
t r I I 2 0 0 8
t r I I I 2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I 2 0 0 9
t r I I I 2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I 2 0 1 0
t r I I I 2 0 1 0
t r I V
2 0 1 0
PF (lei)
PJ (lei)
PF (valuta)
PJ (valuta)
Fig 10
Rata dobinzii la depozitele la termen (%)
0
5
10
15
20
25
t r I 2 0 0 8
t r I I 2 0 0 8
t r I I I 2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I 2 0 0 9
t r I I I 2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I 2 0 1 0
t r I I I 2 0 1 0
t r I V
2 0 1 0
PF (lei)
PJ (lei)
PF (valuta)
PJ (valuta)
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Even if in time of the global financial crises was registered a decrease of
the credit portfolio (by 5%), “Banca Sociala” with the help of promoted
policies they achieved an enhance of credit portfolio by 13%.(fig 11)
Fig 11
Structura portoliului de credite
credite de consum
3%
credite acordate
industriei/comertul
ui
57%
credite acordate
agriculturii
11%
credite pt resurse
energ si comb
0%
alte credite
25%
credite pt
constructia
drumurilor si
transportare
0%
credite pt imobil
1%
credite acordate
guvernului
0%
credite acordate
bancilor
0%credite ptconstrucie si
imbunatatire
funciara
3%
The greater weight is taken by the credits for industry and
trade,which represents 57% , and credits in agriculture 11%,
Further we can see the dynamic of the most important types of
credits 2008-2010
(fig 12,13,14,15,16,17,18)
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Fig 12
Credite acordate agricuturii
0
10000
20000
30000
40000
50000
60000
t r I 2 0 0 8
t r I I 2 0 0 8
t r I I I 2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I 2 0 0 9
t r I I I 2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I 2 0 1 0
t r I I I 2 0 1 0
t r I V
2 0 1 0
lei
valuta
Fig 13
Credite acordate industriei/comertului
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020000400006000080000100000
120000140000160000180000200000
t r I 2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
lei
valuta
Fig 14
Creditе асoгdate industriei eпergetice si a combustibilului
0
1000
2000
3000
4000
5000
6000
7000
8000
t r I
2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I
2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I
2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
leivaluta
Fig 15
Credite acordate pt constructia drumurilor si transportare
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0200400600800
100012001400160018002000
t r I
2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I
2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I
2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
lei
valuta
Fig 16
Credite acordate pt imobil
0
10000
20000
30000
40000
50000
60000
t r I
2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I
2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I
2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
lei
valuta
Fig 17
Credite acordate de consum
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0200040006000800010000
12000140001600018000
t r I 2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I 2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I 2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
leivaluta
Fig 18
Credite acordate pt constructie si imbunatatire funciara
0
5000
10000
15000
20000
25000
30000
t r I
2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I
2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I
2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
lei
valuta
Fig 19
Dinamica mediei ratelor dobinzilor la credite
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0
510
15
20
25
30
t r I
2 0 0 8
t r I I
2 0 0 8
t r I I I
2 0 0 8
t r I V
2 0 0 8
t r I
2 0 0 9
t r I I
2 0 0 9
t r I I I
2 0 0 9
t r I V
2 0 0 9
t r I
2 0 1 0
t r I I
2 0 1 0
t r I I I
2 0 1 0
t r I V
2 0 1 0
lei
valuta
The dynamic of interest rate is in continuous decrease (fig 19)
At the same time with traditional operations ,the bank is activating like a dealer
(operations with securities, certificates of BNM ) .
In 2009 were made more than 100 operations of buying T. Bonds the amount of
which is more than 420 millions lei
Invstitional portfolio of T.Bonds shows that that at the end of year was indicated
amount of 308 millions lei,which is more with 158 millions lei more than at the begging of
the year.
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