Calitatea Portofoliului

Structura Portofoliului Creditar

de Credite

Analiza riscului de credit MAIB (Structura i

Analiza calitativ)

Tipul creditului pe sectoare

economice
Producie i comer
Industrie alimentar
Consum
Industrie nealimentar
Transport i construcii de drumuri
Agricultur
Imobil
Sector energetic
Construcia
Guvern
Altele
TOTAL

Tipul de credite acordate clienilor

Clieni corporativi
Clieni retail persoane juridice
Persoane fizice
TOTAL

Date iniiale pentru analiz

1)
2)
3)
4)
5)
6)
7)

Credite Performante
Credite Neperformante
Portofoliu de Credite
CNT
Activele Totale
Creditele Expirate
Pierderile la credite

Coeficienii calitii creditelor

K1= 1/3*100, %
K2=2/3*100, %
K3=2/4*100, %
K4=2/5*100, %
K5=6/3*100, %
K6=7/3*100, %

60.00
6.22
50.00

37.87

40.00
30.00

3.27
21.17

60.00
6.22
50.00

37.87

40.00
3.27
21.17

30.00
20.00
10.00 9.81

4.92

0.00
1

16.00
14.00

8.01

12.00
10.00
5.57

8.00
6.00

6.68

4.00

2.58

2.00
0.00
1

2010, mii lei

Cota, %

2011, mii lei

Cota, %

Ritmul de cretere, %

2106970
697860.5
715669
0
426830
697860.5
373140
231524
0
229
69123
5319206

39.61
13.12
13.45
0.00
8.02
13.12
7.01
4.35
0.00
0.00
1.30
100.00

2855058
684048
896933
0
332232
684048
343800
264699
0
198
225533
6286549

45.42
10.88
14.27
0.00
5.28
10.88
5.47
4.21
0.00
0.00
3.59
100

35.51
-1.98
25.33
-22.16
-1.98
-7.86
14.33
-13.54
226.28
18.19

2010, mii lei

3170413
1236576
912217
5319206

Cota, %
59.60
23.25
17.15
100.00

2011, mii lei

3632215
1542191
1112143
6286549

Cota, %
57.78
24.53
17.69
100

Ritmul de cretere, %
14.57
24.71
21.92
18.19

2010

2011

2012

2013

4797280
521926
5319206
1378208
8388535
355162
426068

5977324
309225
6286549
1460335
9467225
161954
350161

6997790
513643
7511433
1601444
11445400
211041
455193

8453814
548493
9002307
1682448
13414212
466378
572547

2010

2011

2012

2013

90.19
9.81
37.87
6.22
6.68
8.01

95.08
4.92
21.17
3.27
2.58
5.57

93.16
6.84
32.07
4.49
2.81
6.06

93.91
6.09
32.60
4.09
5.18
6.36

100%
90%
80%
70%
60%
50%
40%
30%
20%

4.49
32.07
3.27
21.17

10%
4.09
32.60

0%
k4
k3

20%
10%

4.49
32.07

4.09
32.60

0%
k4

3.27
21.17

k3
k2

4.92

100%
90%

6.84

80%

6.09

70%
2

60%
50%
40%
30%
20%
10%

6.36

5.57

0%

6.06
k6
k5
5.18

2.58

2.81

100%
90%
80%
70%
60%
50%

2012, mii lei

Cota, %

Ritmul de cretere, %

2013, mii lei

Cota, %

3064171
893817.5
1093955
0
445591
893817.5
441106
272275
0
3347
403353
7511433

40.79
11.90
14.56
0.00
5.93
11.90
5.87
3.62
0.00
0.04
5.37
100

7.32
30.67
21.97
34.12
30.67
28.30
2.86
1590.40
78.84
19.48

2657020
1227063
1212617
926840
728086
685811
431751
248437
121911
7164
755607
9002307

29.51
13.63
13.47
10.30
8.09
7.62
4.80
2.76
1.35
0.08
8.39
100

2012, mii lei

4656178
1437917
1417338
7511433

Cota, %
61.99
19.14
18.87
100

Ritmul de cretere, %
28.19
-6.76
27.44
19.48

2013, mii lei

5664957
1621199
1716151
9002307

Cota, %
62.93
18.01
19.06
100

Altele
Guvern
Construcia
Sector energetic
Imobil
Agricultur

40%

Transport i construcii
de drumuri

30%

Industrie nealimentar

20%
10%
0%

Consum
Industrie alimentar
Producie i comer

20%
10%
0%

Consum
Industrie alimentar
Producie i comer

Persoane fizice
Clieni retail persoane juridice
Clieni corporativi

Ritmul de cretere, %
-13.29
37.28
10.85
63.40
-23.27
-2.12
-8.76
114.04
87.33
19.85

Ritmul de cretere, %
21.67
12.75
21.08
19.85