kvartalni izvestaj iii 15

7/24/2019 Kvartalni Izvestaj III 15

1/36

III 2015.

2015.


2/36

2

:

1. ............. 3

1.1. ............................ 3

1.2. .......................................................... 4

2. ............................................................................... 6

2.1. ........................................................... 6

2.2. ........................................................................... 8

2.3. ......................................................................... 10

2.4. ......................................................................... 113. .................................................... 12

3.1. .............................................................................. 12

3.2. ...................................................................... 14

3.3. .............................................................................................. 15

3.3.1. ................................................................ 16

4. .................................................... 23

4.1. ............................................................. 23

4.2. ............................................................................................ 24

4.3. ................................................. 26

4.4. ........................................................... 27

4.5. .................................................................... 27

5. ..................................................................... 29

6. ....................................................................... 31

7. ............................................................... 32

8. ................................................................................... 35

9. .......... 35


3/36

I 2015.

3

1.

1.1. 1

2015. 30

1.742 (21

), 24.387 (204

).

. 2015. 12

77 , 17

281 ,

.

, 25 ,

,

.

1

, , je .

RSD

RSD

.

*

7 724 24.1% 151 23.5% 482 27.7% 5,769 23.7%

5 534 17.8% 91 14.1% 420 24.1% 5,015 20.6%

2 190 6.3% 60 9.4% 62 3.6% 754 3.1%

23 2,284 75.9% 492 76.5% 1,260 72.3% 18,618 76.3%

2 788 26.2% 178 27.6% 250 14.4% 4,149 17.0% 3 447 14.8% 103 16.0% 214 12.3% 3,406 14.0%

4 393 13.1% 92 14.3% 290 16.6% 4,566 18.7%

3 304 10.1% 48 7.5% 215 12.3% 2,588 10.6%

11 352 11.7% 71 11.1% 291 16.7% 3,909 16.0%

30 3,008 100.0% 643 100% 1,742 100% 24,387 100%

: .

* : , , ,

.

1.1.

%

%

%

%


4/36

4

5 10

54.3 76.7 800

() 53.5 75.6 768

49.2 75.8 721

54.2 77.6 787

() 53.9 78.5 830

56.7 81.0 941 () 50.7 76.2 733

51.2 74.8 735

56.5 80.2 854

(%)HHI*

* .

: .

1.2.1.

2015. 3.007,6 ( 0,8%

), 643,3

( 1,6% ).

( 17,6% 17,8%,

1,7%),

( 76,0% 75,9%, 0,6%).

, (),

54,1% 0,1

.

1.2.

.

2

( 1.2.1),

( ) .

2 (, , .).

1.000 , 1.000

1.800 , 1.800 .


5/36

I 2015.

5

76,7% , 75,6%

78,5% .

-

2015. .

Banca Intesa . .

,

16,2% 16,0%.

RSD

% RSD

% RSD

%

Banca Intesa A.D.- Beograd 478 16.2% 1 484 16.2% 1 480 16.0% 1

Komercijalna banka A.D.-

Beograd 380 12.9% 2 390 13.1% 2 394 13.1% 2

Unicredit Bank Srbija A.D.-

Beograd 266 9.0% 3 291 9.8% 3 308 10.2% 3

Raiff eisen Banka A.D.-

Beograd 230 7.8% 4 231 7.7% 4 232 7.7% 4

Societe Generale banka

Srbija A.D.- Beograd 230 7.8% 5 216 7.2% 5 219 7.3% 5

Agroindustrijska

komercijalna banka "AIKbanka" A.D.- Beograd

162 5.5% 6 177 5.9% 6 178 5.9% 6

Eurobank A.D.- Beograd 155 5.2% 7 140 4.7% 7 136 4.5% 7

Vojvoanska banka A.D.-

Novi Sad 124 4.2% 8 119 4.0% 8 127 4.2% 8

Banka Potanska tedionica

A.D.- Beograd 111 3.8% 10 117 3.9% 9 123 4.1% 9

Sberbanka Srbija A.D.-

Beograd 103 3.5% 11 114 3.8% 10 110 3.7% 10

1.2.2. -

: .

30.9.2015.

30.9.2014. 30.6.2015.


6/36

6

2.

2.1.

2015.

2008. . ,

2015. 26,63 ,

27% .

19 ,

32,81 , 11

6,19 . ,

. 2015.

89,3%

, 76,2%

.

25.08

11.97

17.03

20.95

26.63

-30

-20

-10

0

10

20

30

40

9.2011. 9.2012. 9.2013. 9.2014. 9.2015.

: .

2.1.1. ( RSD)


7/36

I 2015.

7

ROA3

ROE4 1,19% 5,64%, 0,97% 4,63% ()

.

peer5,

3Return on assets .

4Return on equity .

5 (peer 1 5%

, peer 2 1% 5% ,peer 3 1% ).

( RSD) 30.9.2015.

Unicredit Bank Srbija A.D.- Beograd 7,779

Banca Intesa A.D.- Beograd 6,201

Raiffeisen Banka A.D.- Beograd 4,633

Agroindustrijska komercijalna banka "AIK banka" A.D.- Beograd 3,994

Eurobank A.D.- Beograd 2,396

Piraeus Bank A.D.- Beograd -2,724

JUBMES banka A.D. - Beograd -954

Telenor banka A.D. - Beograd -879

Hypo Alpe-Adria-Bank A.D.- Beograd -539

mts banka akcionarsko drutvo, Beograd -429

: .

2.1.

1.32 0.580.79 0.97

1.19

6.47

2.863.81

4.63

5.64

0.0

2.0

4.0

6.0

8.0

9.2011. 9.2012. 9.2013. 9.2014. 9.2015.

ROA ROE

: .

2.1.2.


8/36

8

( )

2015. ,

.

2.2.

2015. , ,

,

,

,

.

2015.

97,7 8,1% 2014. ,

26,4%,

3,3% .

2,8

2014. ,

.

2015. 28,6 2,9% 2014. ,

71,8% ( 1,6

454,7 ),

-

( 59,2

255,6 ).

2,7% 2014. ( 27,7

28,4 ).

(126,6 )

2014. .

81,9

8,6% ,

6

2.

(

, . 21/2015 51/2015),

6

668, ( , . 71/2014 135/2014).


9/36

I 2015.

9

2014.

.

2015. (

6,6 ). ,

13,7% 2014.

.

6,12

( 2014. 31,5

),

499,1 ( 2014. 39,2 ).

0

5

10

15

20

25

30

35

2014.

2015.

: .

2.2. ( RSD)

30.9.2015. 26,629 97,673 25,887 28,642 6,620

30.9.2014. 20,951 90,359 25,681 29,491 7,671

27% 8% 1% -3% -14%

: .

2.2.

:

(

RSD)


10/36

10

2.3.

2015. 137,1 9%

2014. .

(

2014. ).

.

71.8% 69.0% 73.5% 71.8% 71.2%

20.9% 21.3% 21.3% 20.4%18.9%

5.4% 7.9% 7.2% 6.1%

4.8%

-20

0

20

40

60

80

100

120

140

9.2011. 9.2012. 9.2013. 9.2014. 9.2015.

O

: .

2.3. ( RSD)


11/36

I 2015.

11

2.4.

2015.

81,9 8,6%

.

( 55,9%

2015. ) 16% 2014. .

,

2014. . ,

( 37,3% )

1,2%, (6,8% )

4,8%.

,

; 30.6;

37%

;

5.6; 7%

; 45.7;

56%

: .

2.4. (30. 2015)


12/36

12

3.

3.1.

2015. 3.007,6 ,

22,9 , 0,8%, .

62,4%. ,

(16,2%) (17,4%).

2015. ,

. ,

( 19,7 ,

8,9%, ,

39,0 )

( 18,9 , 5%,

16,4 ),

( 38,0 ,

7,2%,

2,

534

2,6

50

2,

880

2,8

46

2,9

69

2,4

10

2,

538

2,

844

2,

905

2,

956

3,

008

-300

200

700

1,200

1,700

2,200

2,700

3,200

2010. 2011. 2012. 2013. 2014. 2015.

: .

3.1.1.


13/36

I 2015.

13

,488 , 16%

,241 , 8%

, 1635

, 55%

, 399, 13%

,

, 66

, 2%

,179 , 6%

: .

3.1.2. (30. 2015)

( RSD) 30.9.2015. a a

488,187 2,639 0.5%

1,875,476 -26,680 -1.4%

O 240,672 -3,821 -1.6%

O 1,634,804 -22,858 -1.4%

508,809 53,270 11.7%

13,704 3,322 32.0%

3,339 1,622 94.5%

398,999 31,790 8.7%

92,766 16,536 21.7%

, 49,799 -1,665 -3.2%

16,335 968 6.3%

68,960 10,133 17.2%

3,007,566 38,665 1.3%

: .

31.12.2014.

3.1.

26,1 ,

9,5

).


14/36

14

47% 50% 51%

53% 51%

23%

22%19%

20% 21%10%

9%9%

7% 8%6%5%

5%

4% 3%15%15%

16%

16% 17%2,494

2,6722,568

2,783 2,735

0

500

1,000

1,500

2,000

2,500

3,000

12.2011. 12.2012. 12.2013. 12.2014. 9.2015.

3.2.

: .

3.2.

( )

2015. 2.735,5 11,4

(0,4%) .

( )

7,9 (0,4%) 2.125,8 ,

19,4 (3,3%)

609,7

, , 17,9 (5,0%).

(. ) 10,6 (2,1%). 5,8 (3,4%).

, ,

, 3,0 (17,1%). ,

, , 8,6 (4,5%).

,

, 8,3 (3,6%) 241,0

.

,

,

7,3 (1,5%), 489,0 ,

0,3 (2%), 16,0

.


15/36

I 2015.

15

280,3 2,5 (0,9%).

5,7 206,1

(3,5%).

,

(

, ,

, ) 6,7 , 2,8%,

2015.

233,7 .

3.3.

7

2015. 16,1 (1%)

1.633,9

. (23,9

),

( 11,2 ).

, 73,6%.

87,8%

(64,6% ),

7,9% (5,8% ) 3,5%

7 , : , , overnight, ,

, , , , , , .

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014.

9,928 -13,000 -13,181 -56.7% -57.0%

34,754 -8,318 -2,499 -19.3% -6.7%

147,593 3,371 66,581 2.3% 82.2%

615,586 20,070 35,646 3.4% 6.1%

699,273 -22,066 -50,704 -3.1% -6.8%

35,428 11,778 -244 49.8% -0.7%

91,345 -2,150 2,562 -2.3% 2.9%

1,633,907 -10,315 38,161 -0.6% 2.4%

3.3.

( RSD)

a a

: .


16/36

16

: .

EUR;1056

.;65%

CHF; 96.;

6%

USD; 43.;

3%

RSD;430

.;26%

;9 ;

0%

;

108.;

6%

3

;114

.;7%

3 6; 60.;

4%

6 12;160

.;10%

1;1192

.;73%

3.3. ( RSD)

30. a2015.

(2,6% ), .

2015. 26,4% .

,

. (

43,2% ) 73,0% .

3.3.1.

(NPL)

,

. , NPL

,

NPL.

, NPL

( ):

- 90

;


17/36

I 2015.

17

- ( ) ,

, ;

- 90 ,

.

(NPL)

NPL 2015.

13,4 425,0

.NPL ( NPL)

22,0%, 0,8

. ,

NPL (210,1

2015. ), 51,0%

49,4% 2015. .

( NPL 90,2 2015.

, 19,8% 21,2%) ( 74,1

17,1% 17,4%).

65% 56% 58% 59% 56%

12%13%

14% 16% 17%

23% 30%

25%25% 27%

342.7365.8 395.3

421.3425.019.0 18.6

21.4 21.5 22.0

0

5

10

15

20

25

0

100

200

300

400

500

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

NPL % ()

3.3.1.1. ( RSD)

: .


18/36

18

57.0 54.9 55.8 59.0 60.7

129.2 126.5117.9 118.4 118.8

51.0 50.0 50.954.9 57.0

121.4 120.7113.8 114.5 115.0

0

20

40

60

80

100

120

140

160

180

200

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

IFRS * / NPL / NPL

IFRS (NPL) ** / NPL / NPL

(. Loan loss reserve);* ;** ;

( ).

3.3.1.3. ( %)

: .

2015. 115,0%

, 60,8%

.

3.3.1.2. (%)

0

5

10

15

20

25

30

35

40

45

0.0000 0.0000 0.0000 0.0000 0.0000

( + )

NPL

: .


19/36

I 2015.

19

(NPL)

2015. 210,1 13,5

( 6%) .

NPL

,

. , NPL

( 30,9%, NPL

22,5%), ( 30,0%, NPL

24,1%) ( 16,3% NPL 46,8%).

70

90

110

130

150

170

190

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

3.3.1.4. * ( %)

* : .


20/36

20

3.3.1.5. (30. 2015)

.; 9; 5%

; 65

; 31%

; 0; 0%

.; 34; 16%

; 63; 30%

,/;10 ; 5%

; 28

; 13%

; 0 ;0%

22.5%

46.8%

24.1%

37.0%14.3%

21.0%

NPL

22.5%

46.8%

24.1%

37.0%14.3%

21.0%

NPL

: .

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014. 64,946 -14,946 -32,486 -18.7% -33.3%

62,952 940 -10,633 1.5% -14.5%

34,249 -1,903 -9,832 -5.3% -22.3%

28,208 -822 1,610 -2.8% 6.1%

9,394 -458 -268 -4.6% -2.8%

, /, . 9,913 -814 -2,246 -7.6% -18.5%

: .

3.3.1.1.

( RSD)

a a

30.9.2015. 31.12.2014 30.9.2014.

46.8% -1.5 -6.6

37.0% -1.6 -1.0

22.5% -3.1 -7.1

24.1% 0.9 -4.4

14.3% -1.4 -2.2

21.0% 1.8 5.5

: .

3.3.1.2. NP L

( %)

(..)


21/36

I 2015.

21

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014.

32,899 5,269 6,314 19.1% 23.7%

22,450 1,835 1,934 8.9% 9.4%

5,390 -38 -117 -0.7% -2.1%

. 4,356 344 158 8.6% 3.8%

3,787 73 180 2.0% 5.0%

3.3.1.3.

( RSD)

a a

: .

30.9.2015. 31.12.2014. 30.9.2014.

9.7% 1.5 1.7

10.5% 0.0 -0.4

14.7% 0.4 0.4

15.9% 0.1 0.7

23.5% -5.0 -3.2

: .

(..)

3.3.1.4. NP L

( %)

(NPL)

2015. 89,2 1,8

,

1,3 ,

,

( 99%

,

, , ).

, 45,7%,

NPL (36,9%).

, 28,9%

25,2% NPL.


22/36

22

; 22; 25%

; 5; 6%

; 4; 5%

; 4; 4%

; 33; 37%

*; 20; 23%

18.8%

10.5%

15.9%

9.7%

14.7% NPL

23.5%

* = , ,

3.3.1.6. (30. 2015)

: .

NPL 2015. (23,5%) (

2,2%, NPL

4,2%). 15,9%(3,7% , 4,9%

NPL), 14,7%(4,9% , 6,0%NPL), 10,5%,

9,7%.


23/36

I 2015.

23

4.

4.1.

8, 63,9%.

2015.

21,4%, 10,4%.

2015.

9,9 ( 1,6%), 11,6

.

13 ( 0,6%)

2015. .

18,9 ( 0,8%),

.

, 2015. (

) 34,7%

( 34,9%).

8 :

, a .

30.9.2015. a a

2,248,063 23,126 1.0%

, 335,297 -17,943 -5.1%

1,912,766 41,069 2.2%

124 -1,745 -93.4%

66,947 -5,492 -7.6%

11,363 -961 -7.8%

402,428 -22,383 -5.3%

68,779 14,000 25.6%

32,107 -21,640 -40.3%

204,164 16,208 8.6%

37,806 -5,727 -13.2%

3,007,566 38,665 1.3%

: .

4.1. a

31.12.2014.

( RSD)


24/36

24

546

591

595

614

643

2,

104

2,

288

2,

252

2,

355

2,

364

0

500

1,000

1,500

2,000

2,500

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

: .

4.1. ( RSD)

, 2015.

.

( ) 42,7% ( 41,2%).

, 89,9%

, (5,3%)

(4,1%).

4.2.

2015.

1.921,5 , 29,0 (1,5%)

2015. .

,

.

2015.

71,8%, ,

89,9%.

(6,4%) (2,9%).

. 49,0% ,

, 43,2% (


25/36

I 2015.

25

: .

4.2. (30. 2015)

3;

1428;74%

3 6 ; 163;

9%

6 12 ;179

;9%

1;

151;

8%

.; 1096;57%

.( );

496;26%

;120

;6%

.;

210;11%

RSD;543

;28%

EUR;1239;65%

;

140;

7%

38% ),

7,8%

.

9

24,2 (2,9%)

2015. 819,4 . ( 93,3% ),

95,4% , 25,8

( 3,2%) .

(4,6%

2015. ), 2015.

( 2015. 1,7 , 4,7%,

).

9

402 502 , 6 ( ).

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014.

55,588 -3,306 -2,770 -5.6% -4.7%

36,159 -4,109 15,597 -10.2% 75.9%

112,645 19,308 55,984 20.7% 98.8%

1,096,137 685 26,860 0.1% 2.5%

382,950 -1,700 -22,940 -0.4% -5.7%

119,900 10,249 30,026 9.3% 33.4%

118,150 8,934 11,373 8.2% 10.7%

1,921,530 30,061 114,130 1.6% 6.3%

: .

4.2.

( RSD)

a a


26/36

26

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014.

Overnight 46,214 5,510 1,113 13.5% 2.5%

258,553 -14,752 -56,704 -5.4% -18.0%

6,817 -972 808 -12.5% 13.5%

311,584 -10,213 -54,782 -3.2% -15.0%

4.3.

( RSD)

a a

: .

4.3.

2015. 311,6 ,

11,5 (3,6%).

overnight

3,0 , 4,2 ,

4,3 .

, 83% ( 81,3%),

overnight 14,8% (

15,2%) 2,2% (

3,5%). ,

( ), 2015.

65,6% ( 61,1%).

(50,6%

). ,

30

17,5% ( 19,5%),

30 16,9% (

19,4%).

, 249,3 (

255,0 ) 80%

. , 34,4 (

37,4 ), 11% ,

26,0 (

27,8 ), 8,4% .


27/36

I 2015.

27

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014.

vernight 3,234 3,234 2,988 0.0% 1215.1%

205,613 -19,499 -68,238 -8.7% -24.9%

1,125 -256 -166 -18.6% -12.8%

209,972 -16,522 -65,416 -7.3% -23.8%

: .

4.4.

( RSD)

a a

4.4.

, 2013. ,

. 2015.

210

4,6 (2,1%) ,

.

,

72,3% .

73,1% ( 67,9%), 30

24,7% ( 28,9%).

, 87,6%

, 12,1%

( 86,6%, 12,6%, ).

4.5.

2015. 67,0 , 1,8 (2,6%)

.

2015.

67,7% ( 92,4%).

91,5% , 7,7%,

0,8% .

,


28/36

28

41,4% ,

68,4%.

( ,

,

50% ),

,

43,6%.


29/36

I 2015.

29

5.

2015.

7.089,2

( 0,7%),

. ,

(91,4%) (

,

,

).

,

22,2%

,

59,4%, 84,4%

.

(

) 2015. 609,7

( 19,4 , 3,3%).

20% 17% 15% 7% 6%

12% 12% 10%

8% 6%

67% 70% 73%

84%

87%

2,475.1 2,980.23,160.0

6,155.5

7,089.2

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

12.2011. 12.2012. 12.2013. 31.12.2014 30.9.2015.

5.1. ( RSD)

: .


30/36

30

2015. 10

423,5 ( 5,9 , 1,4%,

) 6,0% (

5,8%).

10

, .

30.9.2015. 31.12.2014. 30.9.2014. 31.12.2014. 30.9.2014.

263,234 -4,484 3,267 -1.7% 1.3%

439,890 -53,139 69,104 -10.8% 18.6%

160,290 -14,444 -24,679 -8.3% -13.3%

149,841 -65,478 116,172 -30.4% 345.0%

81,400 -2,485 -148,727 -3.0% -64.6%

5,994,501 1,073,637 3,743,820 21.8% 166.3%: .

5.1.

( RSD)

a a


31/36

I 2015.

31

2.172.08

2.41

2.16

2.34

1.451.58

1.811.68

1.89

1.271.20

1.141.03 1.01

0.38 0.34 0.39 0.37 0.35

0.00

0.50

1.00

1.50

2.00

2.50

3.00

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

6.1.

: .

6.

. 2015.

2,34 ( 1,0),

1,91 1,89 ( 0,7).

,

, , ,

.

30% 40% (

2015. 34,5%).

2015.

59,0 .

26,2 ,

2015. 486,0 .

59,2% ( 2015. 58,7%).


32/36

32

7.

,

. 2015.

21,22%,

(12%),

(8%).

(

0,19 ) .

( 1,9%)

,

1%.

445 446383

303 322

74 63

58

4544

-196-159

-95 -8 -8

19.1119.87

20.94

19.96

21.22

0

5

10

15

20

-250

-50

150

350

550

750

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

Tier 2 Tier 1

7.1. *( RSD, %)

* =

: .


33/36

I 2015.

33

, 86% ,

13%,

.

(89%) ,. , 11%.

(

) 2015.

321,6 5,6 (1,8%)

.

6,7

.

842,1 .

405,9

. 2014. ,

,

233,7 .

3,5 ,

,

.

86.2%

1.3% 12.5%

K T O

7.2. (%)

: .


34/36

34

, 317,2 5,5

(1,8%) .

(

),

(66%) (29%),

2,2 (4,7%) 44,0

. ( 2,6 )

.

47,3 .

,

40,1 2,1 (4,9%) .

Leverage11

,

0,17 .

2015. (

62,8% ) 21,39%

.

11 () .


35/36

I 2015.

35

8.

2015.

16,2 ,

4,57%.

(12,73

2015) (2,61 ),

(1,07 ) .

11.57 12.60

3.37

9.48

12.7314.35

1.61

12.59

4.22

1.44

6.15

5.50

4.37

3.93

4.57

0

1

2

3

4

5

6

7

8

0

2

4

6

8

10

12

14

16

18

20

12.2011. 12.2012. 12.2013. 12.2014. 30.9.2015.

EUR EUR

8.1. EUR ( RSD)

: .


36/36

9.

, 2015.

:

(

, . 61/2015), 9. 2015.

,

,

30 ,

; (

, . 71/2015), 13. 2015.

, .

,

,

,

;

,

( , . 82/2015),

2015.

, ,

,

, ,

,

,

,

.

,

,

.

kvartalni izvestaj iii 15

Documents