transport caini, transport catei, transport caini international, transport catei international, transport pisici, transport pisici international, transport animale, transport animale de companie, transport caini anglia, transport caini germania, transport caini olanda, transport caini franta, transport caini belgia, transport caini pret, transport pisici germania, transport pisici anglia, transport animale anglia, transport animale germania, transport caini romania
Curs Valutar -- lei lei

 




A fost lansat Catalogul Persoanelor Fizice Autorizate click aici pentru detalii

ora exacta

avocat Timisoara avocati

cosuri cadou Gourmetgift

service frigidere reparatii

Inseo.RO

Curierat rapid Bucuresti

Transport caini

Tigara Electronica Smokemania

Deblocari usi metalice

ponturi pariuri sportive

Generatoare curent

BaniiNostri.ro

reparatie frigidere Bucuresti

Curs Valutar E-ziare.ro


 
Contact & Despre noi
Politica de confidentialitate
SMART financial - © Smart Press
gazduit de www.simpliq.ro


« click pentru a vizualiza toate articolele de la aceasta categorie
Tipareste acest articol Recomanda acest articol
Adaugat in data de 13-02-2015

Ongoing growth for Banca Transilvania in 2014: +11% on operations, +11.2% total assets

Ongoing growth for Banca Transilvania in 2014: +11% on operations, +11.2% total assets

At the end of 2014, the bank’s total assets reached RON 35,645 million, with a loan portfolio balance 5.3% higher than at the end of 2013, while the total customer deposits were more than 16.4% higher as compared to the same period.

In 2014, Banca Transilvania granted 146,000 new loans to companies and retail clients, totalling over RON 9.095 million. 

Horia Ciorcilă, Chairman of Banca Transilvania’s Board of Directors declared: „We are pleased to announce positive results for 2014, the year when Banca Transilvania celebrated its 20th anniversary. As already known by our shareholders and clients, we remained faithful to our promises. In 2014, continuing our local investment policy, we decided to embrace new challenges, such as the acquisition of Volksbank România. For the future, we will maintain a pragmatic and entrepreneurial attitude, focusing on profitable growth opportunities both for the bank and at Group level. We will preserve the endeavour to increase efficiency and support the Romanian economy, attentive and cautious to the challenges raised by the current economic environment in Romania and in the neighbouring region.



Our constant support to the real economy and development of new products and services – the focus on increasing activity on all areas of interest to the bank – have led to increasing operational income, which amounted to RON 1,996 million in 2014, 20% higher compared to the similar period of last year, when it amounted to RON 1,659 million. The net interest margin in 2014 was 3.37%. BT’s positive results were supported by activity streamlining and cost control initiatives, which together with the overall business growth lead to an improvement of the cost to income ratio in 2014 by more than 14 percentage points versus 2013, notably 41.92%.

The number of active clients – both individuals and companies – increased by 7.4% compared to the same period last year, from 1.76 million to 1.89 million clients. Banca Transilvania maintained its attention on retail and SME clients, with tailored approaches for specialized segments. The number of operations through BT accounts was 11% higher versus the same period of 2013, with a fee income increase exceeding 13.5%. Starting 2014, Banca Transilvania became of systemic importance with regard to Transfond national clearing system, with a market share of 10.9% in terms of settlements.

Banca Transilvania ended 2014 with a portfolio of 2.34 million cards, generating transactions 16.7% higher than for the same period of last year. The bank’s market share in terms of transaction volumes reached 17.9%. The credit card portfolio increased by 21% within the last 12 months.

The year 2014 brought consistent figure increases in the retail segment for Banca Transilvania, with granted loans exceeding RON 2,099 million. In terms of companies, during 2014 the Bank granted approximately 22,000 new loans.

As at 31.12.2014, the loan portfolio balance reached RON 20,020 million, whereas deposits from clients amounted to RON 30,046 million, resulting in a loan to deposit ratio of 66.6%. Banca Transilvania continues to record a very comfortable liquidity level, with a quick ratio of 55.28%, considerably better than the banking market average.

Further to the undertaking initiated in H2/2014 in compliance with the recommendation of the National Bank of Romania, we continued to write off loans with a debt service of more than 360 days, which are fully covered by depreciation adjustments. Write-offs amounted to RON 759 million in 2014.

Over the past years, Banca Transilvania has pursued a prudent lending policy, with special attention granted to risk dispersion. Non-performing loans, PAR >90 represent 10.87% of Banca Transilvania’s credit portfolio end of 2014, being below the average of the Romanian banking system. In order to maintain provision coverage for NPLs even after fully provisioned loans had been written off, Banca Transilvania registered in 2014 net provision expenses for assets and lending commitments of RON 638 million, resulting in NPL coverage with related provisions and mortgage collateral by more than 126.5%, value which has been relatively stable over the past two years. The total provision balance as at 31.12.2014 amounts to RON 2,474 million, representing 12.4% of total loans.

The year 2014 confirmed the improvement trend from 2013 regarding the payment behaviour of retail and SME clients. The repayment behaviour improvement, together with the write-off of nonperforming exposure in respect of these clients resulted in a 19% drop in the volume of more than 90 days overdue loans related to the abovementioned client segments. The bank’s CAR was 17.35%, the 2014 cumulated profit being included.

.


 » Adauga comentariul tau Comentarii 
 
 
» adauga
Vishal
Thought provoking arclite, Δενδρολίβανο! I decided to try these knobs at my own home for a day before installing them on my Mother\'s stove. What a lesson in patience! I was getting angry and frustrated that I did not have full capability at my stove! You don\'t realize how often you go to the stove.. to make a cup of tea, to re-heat something, to grill a sandwich, to make a meal, etc. I am going to have to re-think this one. Σας ευχαριστώ!
Nayara
Thought provoking alircte, Δενδρολίβανο! I decided to try these knobs at my own home for a day before installing them on my Mother\'s stove. What a lesson in patience! I was getting angry and frustrated that I did not have full capability at my stove! You don\'t realize how often you go to the stove.. to make a cup of tea, to re-heat something, to grill a sandwich, to make a meal, etc. I am going to have to re-think this one. Σας ευχαριστώ!
« click pentru a vizualiza toate articolele de la aceasta categorie
Tipareste acest articol Recomanda acest articol

Recomanda aceasta pagina 
Daca considerati acest articol interesant il puteti recomanda unui prieten folosind formularul alaturat.
 


Newsletter SMARTfinancial


» reset
TVA
+TVA
» arhiva curs valutar