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Top 200 Banks in Cee – 2020 Edition

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Top 200 Banks in Cee – 2020 Edition TOP 200 BANKS IN CEE – 2020 EDITION July 2020 by Inteliace Research Table of contents 1. CEE-15 Banking Markets Slide 1: Report coverage: Number of large banks by country, 2019 Slide 2: CEE banking markets: size vs. growth matrix, 2017-2019 Slide 3: Bank assets per capita, bank assets per GDP, 2019 Slide 4: Changes in bank assets by country, 2017-2019 Slide 5: Top 10 banking groups in CEE, 2019 Slide 6: CEE-15 and Top 200 assets evolution 2013-2019 TOP200 CEE, IN BANKS 2020 EDITION Slide 7: Profitability of Top CEE banks, 2019: ROA, ROE 2. List of 200 major banks in CEE-15 as of 2019 Slide 8: Top 200 - League table: Banks 1-25 Slide 9: Top 200 - League table: Banks 26-50 Slide 10: Top 200 - League table: Banks 51-75 Slide 11: Top 200 - League table: Banks 76-100 Slide 12: Top 200 - League table: Banks 101-125 Slide 13: Top 200 - League table: Banks 126-150 Slide 14: Top 200 - League table: Banks 151-175 Slide 15: Top 200 - League table: Banks 176-200 Note on methodology 2 Inteliace Research Agenda TOP 200 TOP200 CEE, IN BANKS 2020 EDITION ▪ CEE-15 Banking Markets ▪ TOP 200 CEE banks – league table 3 Inteliace Research Almost the half of TOP200 CEE banks come from 4 major CEE markets: Poland, Czech Republic, Hungary and Romania TOP 200 banks in CEE 15 - number of banks by country* Report Coverage Number as of Dec-2019 Change 2019/2018 0 Countries covered Czech Republic 30 Estonia Major 4 Hungary 26 markets: 0 99 out of Latvia top200 Poland 25 -2 TOP200 CEE, IN BANKS 2020 EDITION Lithuania CEE banks Russia Romania 18 0 Belarus Bulgaria 15 -1 Germany Poland Serbia 14 -1 Slovenia 14 0 Ukraine Czech Slovakia Slovakia 13 1 Austria Bosnia 9 1 Hungary Romania Slovenia Croatia 8 0 Croatia Albania Bosnia Serbia 6 1 Bulgaria Latvia 6 0 Montenegro** North Macedonia Albania Lithuania 6 1 Greece Estonia 5 -1 Nt. Macedonia 5 1 * Top 200 qualifying condition: Assets worth EUR 644 million as of 2019 and EUR 666 million as of 2018 4 ** Montenegro, Kosovo not included due to small market size Source: Banks, Inteliace Research Inteliace Research Banking markets in the CEE-15* – size vs. growth CEE-15* banking markets - Size vs. growth matrix, 2017-2019 Total banking 32 Czech x assets, 2019 in billion EUR 30 Republic 28 297 26 2019, 2019, in `000 EUR Estonia TOP200 CEE, IN BANKS 2020 EDITION 24 Slovenia 22 28 Bankingcapita, assets per 43 20 Slovakia 18 Croatia 16 88 Hungary Latvia 58 23 14 132 Lithuania 12 470 31 10 Bulgaria Poland 8 58 Serbia 6 104 18 Romania 35 4 BiH 12 11 2 Albania Nt. Macedonia 0 -12% -10% -8% -6% -4% -2% 0% 2% 4% 6% 8% 10% 12% 14% Average annual assets growth (CAGR), 2017-2019, in EUR, % 5 * CEE-15: Poland, Hungary, Czech Republic, Slovakia, Slovenia, Croatia, BiH, Serbia, North Macedonia, Albania, Romania, Bulgaria, Lithuania, Latvia, Estonia Source: Central banks, National supervision authorities, ECB, Inteliace Research Inteliace Research The growth in CEE-15 banking assets persists while consolidation around major banks- a growing share of TOP200 could be observed CEE-15 bank assets, 2014-2019 CAGR TOP 200 CEE qualifying level - Assets CAGR EUR billion, percent 14-19 of bank #200 in CEE-15, in EUR million 14-19 1408 +6 687 TOP200 CEE, IN BANKS 2020 EDITION 1326 666 1279 127 +1 646 644 +1 122 1161 133 1112 611 613 100% = 1074 128 119 130 Other 1281 +6 1146 1205 TOP 200 955 982 1033 banks 2014 2015 2016 2017 2018 2019 2014 2015 2016 2017 2018 2019 TOP200 banks asset's growth remains steady TOP200 league qualifying level decreased in 2019 6 Source: Inteliace Research Inteliace Research Profitability of Top CEE banks improved slightly in 2019 ROE* distribution vs. asset size for top CEE banks, Top 200 - average weighted ROA* as of 2019 2013-2019, in percent in percent 50 % 1.17 1.13 1.16 1.15 TOP200 CEE, IN BANKS 2020 EDITION 0.79 40 0.52 0.60 30 2013 2014 2015 2016 2017 2018 2019 20 Top 200 - average weighted ROE* 10 2013-2019, in percent Asset size, billion EUR 10.15 9.79 10.36 10.40 0 0 10 20 30 40 50 60 70 80 6.81 -10 4.54 5.14 -20 2013 2014 2015 2016 2017 2018 2019 -30 * ROE – Return on equity, ROA – Return on assets; Weighted average for 170 of top 200 banks as of 2019; Excluding foreign bank branches (equity not available) or banks with missing profit data Source: Inteliace Research 7 Inteliace Research Notes on methodology FX rates: • All values presented in this report have been converted from local currency into Euro using end of year exchange rates. • Exchange rates used in this report: (LCU per 1 EUR) Currency Country 2017 eoy 2018 eoy 2019 eoy symbol Albania ALL 132.95 123.42 121.81 Bosnia BAM 1.956 1.956 1.96 TOP200 CEE, IN BANKS 2020 EDITION Bulgaria BGN 1.956 1.956 1.96 Croatia HRK 7.44 7.41 7.44 Czech Republic CZK 25.54 25.72 25.41 Estonia EUR 1.00 1.00 1.00 Hungary HUF 310.33 320.98 330.53 Latvia EUR 1.00 1.00 1.00 Lithuania EUR 1.00 1.00 1.00 Nt. Macedonia MKD 61.50 61.50 61.49 Poland PLN 4.177 4.301 4.257 Romania RON 4.659 4.664 4.783 Serbia CSD 118.47 118.19 117.59 Slovakia EUR 1.00 1.00 1.00 Slovenia EUR 1.00 1.00 1.00 Source: ECB, Central banks Data precision and comparability with previous versions: • Wherever possible unconsolidated financials have been presented in this report. In case unconsolidated figures were not available, consolidated values have been used and this fact has been marked. • In few cases the historical values (year-1 assets) have been revised/corrected due to banks revising their historical results. 8 Inteliace Research Index of banks mentioned in this report AB SEB Bankas DSK Bank EAD OTP Albania AB Šiaulių bankas Equa bank a.s. OTP Bank Nyrt. AB Swedbank Erste & Steiermärkische Bank d.d. (b) OTP Bank România Abanka d.d. Erste Bank A.D. Novi Sad OTP Banka Hrvatska d.d. (b) Addiko Bank a.d. Beograd ERSTE BANK HUNGARY Zrt. OTP Banka Slovensko a.s. Addiko Bank d.d. Eurobank A.D. Beograd OTP banka Srbija a.d. Novi Sad Addiko Bank d.d. (b) Eurobank Bulgaria AD OTP Jelzálogbank Zrt. AIK banka a.d. Beograd Expobank CZ a.s. OTP Lakástakarékpénztár Zrt. Air Bank a.s. Expressbank AD Patria Bank Alior Bank S.A. FIO banka a.s. PKO Bank Hipoteczny S.A. Allianz Bank Bulgaria AD First Bank (Piraeus) PKO Bank Polski S.A. Alpha Bank Albania (c) First Investment Bank AD Poštová banka a.s. Alpha Bank România Fundamenta-Lakáskassza Zrt. PPF banka a.s. AS Citadele banka Garanti Bank Prima banka Slovensko, a.s. AS LHV Pank Getin Noble Bank S.A. Privatbanka a.s. AS SEB Pank Gorenjska Banka d.d. Privredna Banka Zagreb d.d. (b) Banca Comercială Intesa Sanpaolo GRÁNIT Bank Zrt. Procredit Bank (Bulgaria) EAD Banca Comercială Română Halk Banka AD, Skopje ProCredit Bank a.d. Beograd Banca de Export-Import a României – Eximbank Hrvatska Poštanska Banka d.d. (b) Prvá stavebná sporiteľňa a.s. Banca Intesa A.D. Beograd HSBC Bank Polska SA ( e) Raiffeisen Bank Albania (c) Banca Românească HSBC France - pobočka Praha Raiffeisen BANK d.d. BiH TOP200 CEE, IN BANKS 2020 EDITION Banca Transilvania Hypoteční banka a.s. Raiffeisen Bank România Bank Handlowy w Warszawie S.A. ICBC Europe oddział w Polsce ( e) Raiffeisen Bank Zrt. ( c) Bank Millennium S.A. Idea Bank S.A. Raiffeisen banka a.d. Beograd Bank Ochrony Środowiska S.A. ING Bank N.V. Raiffeisen stavebni spořitelna a.s. Bank of China Limited Magyarországi ING Bank N.V. Magyarországi Fióktelepe Raiffeisenbank (Bulgaria) EAD Bank Pekao S.A. ING Bank N.V. Prague Raiffeisenbank a.s. Bank Pocztowy S.A. ING Bank Śląski S.A. Raiffeisenbank Austria d.d. (b) Banka Intesa Sanpaolo, Koper d.d. International Asset Bank AD Rietumu Banka Banka Kombëtare Tregtare (c) Intesa Sanpaolo Banka, d.d. BiH Santander Bank Polska S.A. Banka Poštanska štedionica A.D. Beograd Intesasanpaolo Bank Albania (c) Santander Consumer Bank S.A. Banka Sparkasse d.d. Investbank AD Sberbank banka d.d. BGK S.A. J&T BANKA a.s. Sberbank BH dd Sarajevo BKS Bank AG Ljubljana branch ( e) J&T BANKA a.s. Sberbank CZ, a.s BNP Paribas Bank Polska S.A. KDB Bank Európa Zrt. Sberbank d.d. (b) BNP PARIBAS Magyarországi ( e) Kereskedelmi és Hitelbank Zrt. Sberbank Magyarország Zrt. BOSNA BANK INTERNATIONAL dd - SARAJEVO Komercijalna banka A.D. Beograd Sberbank Srbija a.d. Beograd BPS S.A. Komercijalna banka AD Skopje SEB banka BRD Groupe Société Générale Komerční banka a.s. SGB-Bank S.A. BUDAPEST Hitel- és Fejlesztési Bank Zrt. Komerční banka Bratislava branch SID banka d.d. Bulgarian Development Bank Libra Internet Bank SKB banka d.d. Bulgarian-American Credit Bank AD Luminor Bank Slovenská sporiteľňa a.s. CEC Bank Luminor Bank AB Sparkasse Bank dd Central Cooperative Bank AD Luminor Bank AS Stavební spořitelna České spořitelny a.s. Česká exportní banka a.s. Magyar Export-Import Bank Zrt. Stopanska banka AD, Skopje Česká spořitelna a.s. Magyar Takarékszövetkezeti Bank Zrt. ( e) Swedbank Českomoravská stavební spořitelna a.s.
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