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SME BANKING 2018 CENTRAL & EASTERN EUROPE Foreword

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SME BANKING 2018 CENTRAL & EASTERN EUROPE Foreword SME BANKING 2018 CENTRAL & EASTERN EUROPE Foreword This is the second issue of the CEE SME It is not our intention to present a perfect Banking Report. The report is structured picture with this report, but we are sure that around Central and Eastern Europe with a we can achieve a clearer perspective on the detailed regional analysis of the following state of development in the SME banking countries: Bulgaria, Hungary, Poland, Romania, segment and its potential by working together. and Serbia. In the end, this will contribute to improving the efficiency of business management and the quality of managerial decisions by top managers of financial organizations, as well as When preparing the report, data from state generate greater interest in the segment from statistical services, central banks, annual both existing and new players. bank reports and other public sources of information were used. The data was current as of January 1, 2018; where information was Knowledge is power, and we will have achieved our goal if this unavailable as of that date, the latest available data on the bank information gives you more significant insights into your daily work was used. and strategic plans. This report includes a series of annual reviews of regional markets, If you have any suggestions or proposals, allowing you to familiarize yourself with the situation in other feel free to send them to [email protected]. markets, in particular the СEE countries. Yours sincerely, SME Banking Club team CEE SME Banking Report 2018 2 SME Banking Club CEE SME BANKING REPORT 2018 BANKING OUTLOOK Banking OUTLOOk economics Brief economic overview of key indicators Part 1 Bulgaria Poland Romania Serbia Hungary Czech Slovenia Croatia Kosovo Montenegro* Albania* Bosnia & FYRM Turkey Slovak Republic Herzegovina Republic 1.96 / €1 4.17/ €1 4.66 / €1 118.47 / €1 310.14 / €1 25.54 / €1 1.00 / €1 7.51 / €1 1.00 / €1 1.00 / €1 132.95 / €1 1.96 / €1 61.49 / €1 4.55 / €1 1.00 / €1 Source: http://www.bnb.bg http://www.nbp.pl http://www.bnr.ro https://www.nbs.rs https://www.mnb.hu https://www.cnb.cz http://www.bsi.si https://www.hnb.hr http://www.bqk-kos.org http://www.cb-cg.org https://www.bankofalbania.org/ http://www.cbbh.ba http://www.nbrm.mk http://www.tcmb.gov.tr http://www.nbs.sk 50.4 465.5 184.2 37.5 123.1 192.0 43.3 48.7 6.3 3.8 10.7 16.1 10.1 753.5 85.0 7.1 38.4 19.6 7.1 9.8 10.6 2.1 4.1 1.8 0.6 2.9 3.5 2.1 80.8 5.4 7.1 312.7 238.4 88.4 785.4 78.9 20.3 56.6 10.9 13.8 28.8 51.2 25.7 93.0 49.0 GDP (current prices, bln.EUR) Population, total (millions) Surface area (sq. km, thousands) Economy structure Agriculture (current prices, bln.EUR) Industry (current prices, bln.EUR) Services (current prices, bln.EUR) 2.8 2.6 5.7 9.0 5.5 401.7 103.5 18.7 67.5 107.4 47.5 34.3 258.5 24.4 28.5 1.6 2.6 0.8 2.3 5.8 219.9 9.9 26.3 55.4 32.6 66.0 14.1 141.3 12.5 10.6 2.5 0.6 0.4 0.9 2.3 45.8 8.1 0.9 1.9 9.7 4.1 4.3 0.8 1.6 2.8 Source: http://www.nsi.bg http://stat.gov.pl http://www.insse.ro http://www.stat.gov.rs https://www.ksh.hu https://www.czso.cz http://www.stat.sie https://www.dzs.hr http://ask.rks-gov.net http://www.monstat.org http://www.instat.gov.al http://www.bhas.ba http://www.stat.gov.mk http://www.turkstat.gov.tr https://slovak.statistics.sk * — 2016 CEE SME Banking Report 2018 4 SME Banking Club Banking OUTLOOk economics Brief economic overview of key indicators Part 2 Albania 23% 7.3% Turkey 185.9% Poland 6.0% Serbia 102,.5% Kosovo 12% 5.0% Slovenia 108.1% Montenegro 10% 4.5% Czech Republic 105.3% 41.9 FYRM 9% 4.4% Romania 116.4% 52.3% 3.7% Bulgaria 101.2% Bosnia & Herzegovina 6% 3.6% Kosovo 101.5% Serbia 6% 3.5% Albania 99.7% 3.4% Slovak Republic 104.6% Turkey 6% 3.3% Hungary 107.8% Romania 4% 3.0% Bosnia & Herzegovina 103.0% Czech Slovak Bulgaria 4% 2.8% Croatia 102.7% Republic Republic 2.5% Montenegro 101.5% Croatia 3% 2.1% Poland 104.0% 95.3 Romania Slovak Republic 3% 0% FYRM 103.5% 54.5% 73.0 54.4% Hungary 3% GDP growth (annual %) Hungary 23.7 Poland 2% Inflation, GDP deflator (annual %) 52.8% Slovenia 2% 56.0 Slovenia 52.9% Czech Republic 2% 65.9 Croatia Agro share (% of GDP) 64.0% Bulgaria 36.9 Serbia Turkey 59.2% 46.2 Bosnia & 42.58 66.7% Herzegovina 55.0% 33.1 53.5% 52.9 Kosovo FYRM Czech Republic 88% 248.6 Poland 230.0 61.6% 152.2 Czech Republic 138.4 25.4 Slovak Republic 85% 56.8% 26.1 139.0 Turkey 207.0 64.5% Montenegro 41.7 Hungary 81% 111.3 Hungary 101.6 74.7% Albania Kosovo 80% 81.8 Slovak Republic 78.9 26.7 77.9 Romania 81.9 67.8% Slovenia 76% 69.5 Serbia 71.2 Croatia 74% 35.6 Slovenia 31.4 25.8 Bulgaria 27.8 Poland 73% 25.1 Croatia 24.0 SME density (per 1000 people) FYRM 72% 5.6 FYRM 6.9 SME's Share (value added,%) Turkey 70% 3.1 Albania 4.9 2.4 Kosovo 18.6 Bosnia & Herzegovina 70% 1.9 Bosnia & Herzegovina 3.0 Montenegro 68% 1.6 Montenegro 2.5 Serbia 67% Albania 66% Exports of goods and services (current prices, bln.EUR) Imports of goods and services (current prices, bln.EUR) Romania 63% Bulgaria 60% Internet user's share (%) CEE SME Banking Report 2018 5 SME Banking Club Banking OUTLOOk Business environment Doing business rating Country Banking Overview 63.78 Bosnia & Herzegovina 64.20 +0.42 Starting a Business Number of banks 67.74 Albania 68.70 Number of banks with +0.96 Getting Credit Poland foreign owners 35 21 14 67.98 Turkey Number of banks 69.14 +1.16 Getting Credit in SME banking 71.65 Croatia 47 71.70 +0.05 Registering Property 38 Czech Republic 27 71.81 Bulgaria 71.91 +0.10 Getting Electricity 22 Slovak Republic Romania 72.13 Hungary 8 23 Hungary 35 35 26 14 72.39 +0.26 Enforcing Contracts 7 Slovenia 12 72.70 Romania 15 Croatia 24 29 Serbia 19 15 72.87 +0.17 Registering Property 23 15 Bosnia & Herzegovina 27 Bulgaria 15 11 72.87 15 10 Serbia 8 Montenegro Kosovo 8 73.13 +0.26 Registering Property 15 FYRM 11 16 71.54 Montenegro Albania 12 73.18 +1.64 Getting Electricity Number of branches Total assets, per 100 ths. adults (2016) bln.EUR Turkey 68.51 Kosovo 31.0 Poland 378.4 34 73.49 +4.98 Starting a Business 21 22.4 Czech Republic 274.5 75.15 74.90 Slovak Republic 18.1 Turkey 150.8 -0.25 Resolving Insolvency 14.7 Hungary 117.2 74.43 SME Overview 75.42 Slovenia 28.0 Romania 98.7 +0.99 Getting Credit Hungary 28.3 Slovak Republic 75.8 Poland NPL – 9.3% 76.24 12.3 76.27 Czech Republic 32.9 Croatia 53.4 NPL – 10.0% +0.03 Starting a Business 49.5 48.5 Bulgaria 50.0 Romania 77.12 NPL – N/A 77.30 Poland 30.5 Slovenia 37.9 7.1 +0.18 Starting a Business 29.7 Serbia 28.4 Bulgaria 81.39 28.9 Bosnia & Herzegovina 15.7 6.5 81.18 FYRM NPL – N/A -0.21 Getting Electricity 21.5 Albania 10.9 25.0 FYRM 7.5 SME loans, bln.EUR 5.5 Serbia 2017 The best/the worst NPL – 20.1% parameter 44.2 Montenegro 4.2 2018 Rating changes 20.0 Kosovo 3.9 CEE SME Banking Report 2018 6 SME Banking Club Banking OUTLOOk toP sme Banks TOP SME BANKS* (RANKING BY SME PORTFOLIO) TOP SME BANKS* (RANKING BY NO. SME CLIENTS) NO. SME # Bank SME Portfolio, Country # Bank clients, Country mln.EUR thsd. 1 PKO Bank Polski 7 096.8 Poland 1 PKO Bank Polski 1 192 Poland 2 Bank Zachodni WBK 4 334.8 Poland 2 CEC Bank 1 022 Romania 3 Alior Bank 3 074.9 Poland 3 Alior Bank 905 Poland 4 Bank BGŻ BNP Paribas 2 589.4 Poland 4 Bank Pekao 851 Poland 5 UniCredit Bulbank** 2 432.1 Bulgaria 5 BRD 760 Romania 6 Bank Millennium 2 304.1 Poland 6 Bank Zachodni WBK 576 Poland 7 mBank 2 282.6 Poland 7 Banca Transilvania 529 Romania 8 UniCredit 2 133.5 Romania 8 Banca Comercială Română (BCR, Erste) 529 Romania 9 K&H (KBC) Bank 1 991.7 Hungary 9 Bank BGŻ BNP Paribas 476 Poland 10 Idea Bank 1 799.3 Poland 10 Raiffeisen Bank Romania 454 Romania 11 CEC Bank 1 721.3 Romania 11 ING Bank Śląski 357 Poland 12 MKB Bank 1 698.5 Hungary 12 Bank Millennium 355 Poland 13 Raiffeisen Bank Polska 1 551.2 Poland 13 mBank 300 Poland 14 Citi Handlowy 1 189.1 Poland 14 Raiffeisen Bank Polska 237 Poland 15 Bank Pekao 1 174.3 Poland 15 Bank Pocztowy 214 Poland 16 Budapest Bank 1 109.2 Hungary 16 UniCredit 156 Romania 17 ING Bank Śląski 1 070.5 Poland 17 Bancpost (Eurobank)** 149 Romania 18 Banca Transilvania 922.8 Romania 18 Alpha Bank Romania 130 Romania 19 United Bulgarian Bank (KBC Group) 900.5 Bulgaria 19 Sberbank Serbia 120 Serbia 20 Intesa Bank Serbia 884.4 Serbia 20 Banca Romaneasca** 109 Romania * - the rank was compiled only for banks from 5 countries, which were analyzed in details in current report,according to available open data.
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