ebanking sector

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Standard presentation format

3rd quarter 2013



Agenda

Central bank’s objectives and structure

Real sector Monetary policy

External sector

Banking sector Size, structure and concentration

Leverage ratio and capital adequacy

Profitability

Coverages

Structure of loans and deposits by institutional sectors



Total assets of the banking system

Source: CNB.

229.3

260.3

304.6

345.1370.1 378.4

391.1 406.9

399.9 398.3

0

50

100

150

200

250

300

350

400

450

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

b i l l i o n H R K



Number of banks

Source: CNB.

2 2 2 2 2 2 2 2 2 2

2018

16 15 16 17 1613 13 13

15

1415 16

16 1515

17 16 16

0

5

10

15

20

25

30

35

40

2 0 0 4

2 0 0 7

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

Foreign owned banksPr ivate domestic banks

State owned banks



Banking system by ownership

Source: CNB.

3.1 3.4 4.2 4.7 4.4 4.2 4.3 4.5 4.8 4.95.6 5.3 5.0 4.9 4.9 5.0 5.4 4.8 5.2 5.3

91.3 91.3 90.8 90.4 90.6 90.9 90.3 90.6 90.1 89.8

0

10

20

30

4050

60

70

80

90100

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

% o

f t o t a l a s s e t s

Foreign owned banks

Other pr ivate domestic banks

State owned banks



Herfindahl – Hirschman index (HHI)

Source: CNB.

1,363.1 1,357.91,296.5 1,277.7

1,308.9 1,366.4 1,361.7 1,400.6 1,427.2 1,410.4

0

200

400

600

800

1,000

1,200

1,400

1,600

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

Al l banks



Leverage ratio

equity capital/total assets

Source: CNB.

8.78.8

9.7

11.5

13.0

13.7 13.9 13.8 14.0 14.5

0

2

4

6

8

10

12

14

16

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

%



Capital adequacy ratio

regulatory capital/total exposure to risks

Source: CNB.

15.3314.62 13.98

16.3615.16

16.43

18.78 19.55

20.89 20.61

0

5

10

15

20

25

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

%



ROAA and ROAE

Source: CNB.

1.7 1.7 1.5 1.6 1.6 1.1 1.1 1.2 0.8 1.0

16.115.1

12.4

10.9

9.9

6.4 6.5 6.9

4.8

5.3

0

2

4

6

8

10

12

14

16

18

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

%

ROAA b efore tax

ROAE after tax



Classification of placements and

off-balance sheet liabilities of banks

Source: CNB.

95.4 96.0 96.8 96.9 96.7 94.7 92.1 91.0 89.8 89.3

4.6 4.0 3.2 3.1 3.3 5.3 7.9 9.0 10.2 10.7

0

10

20

30

40

50

60

70

80

90

100

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

%

Risk category A Risk categories B-1, B-2, B-3 and C



Coverages

Coverage 1 = Total value adjustments and provisions/Total placements and off-balance sheet liabilitiesCoverage 2 = Value adjustments and provisions / B -1, B-2, B-3 and C placements and off-balance sheet liabilitiesSource: CNB.

3.7% 3.2% 2.6% 2.5% 2.4% 3.2% 4.1% 4.7% 5.3% 5.4%

60.1% 58.2%54.8%

51.5%46.6% 43.4%

40.9% 42.8% 43.9% 43.0%

0%

10%

20%

30%

40%

50%

60%

70%

80%

2 0 0 4

2 0 0 5

2 0 0 6

2 0 0 7

2 0 0 8

2 0 0 9

2 0 1 0

2 0 1 1

2 0 1 2

Q 1 / 1 3

Coverage 1

Coverage 2



Structure of extended loans (gross)

by institutional sectors

31 March 2013

* Includes non-profit institutions serving households.

Source: CNB.

Governmentunits13.4%

Financialinstitutions

3.3%

Enterprises38.3%

Households*44.2%

Other0.7%



Structure of received deposits

by institutional sectors

31 March 2013

Source: CNB.

Governmentunits1.7% Financial

institutions6.4%

Enterprises14.9%

Non-profitinstitutions

1.3%

Household61.1%

Non-residents14.7%

ebanking sector

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