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2015
Banking sector outlook
Bosnia and Herzegovina
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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%
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#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$"
ntesa an#aolo Bank"
berbank5"
/iraat Bank2"
4ni'redit Bank1"
ther banks+"
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"u,&er o! e,plo-ees
Banks had structural changes reflected in unstable number of staff o)er recent
!ears
7ce#tins are9 &aiffeisen Bank /iraat Bank and ntesa an#aolo Bank.
*'B as bank ith highest decrease of number of em#lo!ees due to business
model change.
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Gross loan portfolio per employee
Almost all the Banks ha)e increased efficienc! due to groth of their loan #ortfolio
*'B efficienc! gre strongl! in com#arison ith the other banks
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.eposits
*'B has 1." share in total de#osits and recorded same share
com#ared to 201$.
&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"
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.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
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"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
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*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
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*perational e!!icienc- o! t+e &anking sector
*'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$$8 26 50021 185 82161 2262
Jan:15 1101 281$2 1+1+5 +888 20$15 +$6 2606 +206 $2$8 1+281
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*perational e!!icienc- o! t+e &anking sector
ecreasing trend in the a)erage cost of borroed funds are in all #resented banks ece#t &aiffeisen
As is the case ith interest income interest e#enses in *'B has fastest declining trend b! 0.5" #er !ear
0.50"
1.00"
1.50"
2.00"
2.50"
+.00" 2.+"
1.2"
2.18"
1.+"
2.28"
2.00" 2.02"
1.1$"
2.85"
1.$8"
2.$"
1.5+"
1.5"
1.28"
1."
1.8"
2.02"
1.06"
2.68"
1.+0"
2.12"
1.2"
1.$8"1.+$"
1.62"
1.$$"
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$11 20286 +1+
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*perational e!!icienc- o! t+e &anking sector
*'B achie)ed 2$.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
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*perational e!!icienc- o! t+e &anking sector
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+$$
+8
2660
$+$1
++5
$86+
+88$
26
+251
+865
2+++
+608
265$
$+1
+5$2
$566
$1+0
2+$
+5+2+806
2$0
++
2+
$26
+6+
$6+5
+80
285$
/d,inistrative e2p70"u,7 o! e,plo-ees ,ont+l-
ec:1+
ec:1$
Jun:15
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*perational e!!icienc- o! t+e &anking sector
*ro'redit bank is still ith the highest share of administrati)e costs in total net o#erational income but ith decreasing trend of that ratio
All anal!(ed banks recorded decrease of 'C ratio com#aring to the last !ear
$0"
50"
60"
0"
80"
0"
100" "
62"
"
5"
65"6+"
1"
5"
8+"
1"
2"
62"
2"
5"
62"
58"
0"
56"
6"
6"
80"
58"
6$"
5$"
58"
5$"
6+"
50"
6+"62"
C0I ratio
ec:1+
ec:1$
Jun:15
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*perational e!!icienc- o! t+e &anking sector
All anal!(ed banks recorded increase of &eturn on 7uit!
0"
2"
$"
6"
8"
10"
12"
1$"
16"
18"
20"
2.6"
.5"
+.$"
8.+"
5.2"
.+"
2.+"
.6"8."
2.5"
0.2"
8."
$.5"
10.$"
6.2"
."
+.$"
10.0" .6"
5.1"
0.1"
15.$"
+.1"
1+."
.$"
11.+"
$."
12.5"
10.2"
5.$"
*8
ec:1+
ec:1$
Jun:15
0"
1"
1"
2"
2"
+"
+"
0.+"
0."0."
1.1"
0.5"
1.0"
0.$"
1.6"
0.8" 0.8"
0.0"
1.1"
0."
1.$"
0.6"
1.$"
0.5"
1.6"
0." 0.8"
0.0"
1."
0.$"
1."
1.0"
1.6"
0.8"
2.1"
0.8"0."
*/
ec:1+
ec:1$
Jun:15
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*perational e!!icienc- o! t+e &anking sector
0 20 $0 60 80 100 120 1$0 160 180 200
0
20
$0
60
80
100
120
"u,&er o! units
0
500000
1000000
1500000
2000000
2500000
+000000
+500000
10506$6
208+1 20188$
2$82++$
1+660
252$88
218$$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$$8
215$8$
211++
2++10
+++82
2562$5$
2+60$8
1otal /ssets0 "u,7 e,plo-ee
ec:1+
ec:1$
Jun:15
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*perational e!!icienc- o! t+e &anking sector
0
10000000
20000000
+0000000
$0000000
50000000
60000000
.0000000
1105681
850..81
2.2$68
$2512++
$2115.8
1+5+6+
2.2$62.
55++52+8
1011.+82
106585.1
106+8$11
$01+.+2
5+85+68
51..6.0
152.12.
$62162.
612$52
11$261+1
+..6$6
258$$
+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