Documente Academic
Documente Profesional
Documente Cultură
Rata rentabi
16
14.14 13
14 12.99
12
10
8
6
4
2
0
2004 2005 2
1.2
0.97
1
0.8
0.6
0.4
0.2 0.07
0
2004 2005 2006 2007 2008
Rata rentabilităţii capitalului propriu
13.64
12.99
9.45
RO
E
0.69
or
0.97
RO
A
0.07
2007 2008
CAAMPL
Ponderea creditelor acordate clientelei în totalul surselor 59.06% 56.30% 59.55% 60.42%
Rating 1 1 2 3
Rating calitatea activelor 1 1 1 2
2008
1
2008
55.54%
3
61.05%
4
2
2008
1
2008
0.07%
5
0.77%
5
5
2008
1.10
2
3.61%
5
101.11%
2
3
2008
2
INDICATORI DE RISC
Indice de solvabilitate 1 12
10 10
9
8 8
7
6
6
5 4
4
3 2
2
0
1
0 2004 2005
2004 2005 2006 2007 2008
6
6
5 4
4
3 2
2
0
1
0 2004 2005
2004 2005 2006 2007 2008
1000.00%
1000.00%
900.00%
800.00% 800.00%
700.00%
600.00% 600.00%
500.00%
400.00% 400.00%
300.00%
200.00%
200.00%
100.00% 0.00%
0.00%
2004 2005
2004 2005 2006 2007 2008
1000.00%
1000.00%
900.00%
800.00% 800.00%
700.00%
600.00% 600.00%
500.00%
400.00% 400.00%
300.00%
200.00%
200.00%
100.00% 0.00%
0.00%
2004 2005
2004 2005 2006 2007 2008
Gap 2004 2005 2006 2007
Active sensibile la variaţia dobânzii ASD 1,746,148 1,985,184 2,093,464 2,466,734
Pasive sensibile la varia'ia dobânzii PSD 1,257,119 1,330,892 1,396,729 1,595,015
2008 6
#DIV/0! 2
#DIV/0! 0
2004 2005 2006 2007 2008
00%
00%
00%
00%
00%
00%
2004 2005 2006 2007 2008
00%
00%
00%
00%
00%
00%
2004 2005 2006 2007 2008
2008 1.60 Evoluţia riscului ratei dobânzii
3,164,174
2,151,056
1.55
1,013,118 1.50
0.01
1.47
1.45
1.40
2008
194,414 1.35
23,330
342333 1.30
6.81% 2004 2005 2006 2007 2008
2008
INDICATORI DE SOLVABILITATE
9.40%
9.20% 105.00%
9.00%
100.00%
8.80%
8.60%
95.00%
9.60% Figura 4. Indicatorul de solvabilitate la băncile americane 110.00%
9.40%
9.20% 105.00%
9.00%
100.00%
8.80%
8.60%
95.00%
8.40%
8.20% 90.00%
8.00%
7.80% 85.00%
9.40% Rata capitalului p
9.20%
9.00%
8.80%
8.60%
8.40%
8.20%
8.00%
7.80%
7.60%
7.40%
350.00%
100.00%
300.00%
80.00%
250.00%
200.00% 60.00%
150.00%
40.00%
100.00%
20.00%
50.00%
0.00% 0.00%
10.00% 400.00%
Indicatori de solvabilitate
350.00%
9.50%
300.00%
9.00%
250.00%
8.50% 200.00%
150.00%
8.00%
100.00%
7.50%
50.00%
7.00% 0.00%
2004 2005 2006 2007 2008
110.00%
100.00%
95.00%
90.00%
85.00%
2004 2005 2006 2007 2008
Rata capitalului propriu în băncile americane 110.00%
105.00%
100.00%
95.00%
90.00%
85.00%
400.00%
350.00%
300.00%
250.00%
200.00%
150.00%
100.00%
50.00%
0.00%
2008
2007 2008
INDICATORI LICHIDITATE
105.00%
116.00%
104.00%
114.00% 103.00%
102.00%
112.00%
101.00%
110.00%
100.00%
108.00% 99.00%
98.00%
106.00%
97.00%
104.00% 96.00%
4.00% 140.00%
3.50%
120.00%
3.00%
100.00%
2.50%
80.00%
2.00%
60.00%
1.50%
40.00%
1.00%
0.50% 20.00%
0.00% 0.00%
50.00% 140.00%
Figura 4. Coeficientul fondurilor proprii şi a resurselor permanente la băncile americane
45.00%
120.00%
40.00%
35.00% 100.00%
30.00%
80.00%
25.00%
60.00%
20.00%
15.00% 40.00%
50.00% 140.00%
Figura 4. Coeficientul fondurilor proprii şi a resurselor permanente la băncile americane
45.00%
120.00%
40.00%
35.00% 100.00%
30.00%
80.00%
25.00%
60.00%
20.00%
15.00% 40.00%
10.00%
20.00%
5.00%
0.00% 0.00%
100.00%
200.00%
80.00%
150.00%
60.00%
100.00%
40.00%
50.00%
20.00%
0.00% 0.00%
36.00%
105.00%
35.00%
34.00% 100.00%
33.00%
95.00%
32.00%
31.00% 90.00%
30.00%
85.00%
29.00%
28.00% 80.00%
62.00% Figura 4. Rata activelor volatile la băncile americane 102.00%
61.00%
100.00%
60.00%
98.00%
59.00%
96.00%
58.00%
57.00% 94.00%
56.00%
92.00%
55.00%
90.00%
54.00%
88.00%
53.00%
52.00% 86.00%
1.10 100.50%
1.10 100.00%
1.09 99.50%
1.09 99.00%
1.08 98.50%
12.50 110.00%
Figura 4. gestiubea riscului de lichiditate la băncile americane
12.00 105.00%
11.50 100.00%
11.00 95.00%
10.50 90.00%
10.00 85.00%
11.00 95.00%
10.50 90.00%
10.00 85.00%
1400.00% INDICATORI LICHIDITATE
1200.00%
1000.00%
800.00%
600.00%
400.00%
200.00%
0.00%
RLG RLI KFP RAD RAL RAV IL GRL
IL GRL
BILANŢ CONTABIL US
200.00%
Active totale
150.00%
Active ponderate de risc
Fonduri proprii
193.19%
186.48%
185.22%
100.00%
145.36%
143.88%
143.90%
129.52%
122.46%
122.51%
114.23%
114.05%
106.54%
100.00%
100.00%
100.00%
50.00%
0.00%
2004 2005 2006 2007 2008
OK
0
OK
OK
OK
0
OK
0
OK
0
OK
0
OK
OK
US RATE DE STRUCTURĂ ACTIV GRUP
a) US Rata disponibilităţi aflate în caserie şi la bănci centrale 2.59% 2.78% 2.57% 2.60% 3.29%
b) US Rata altor active purtătoate de dobânzi 31.90% 33.67% 29.95% 29.15% 27.84%
c) US Rata creditelor nete 53.91% 51.73% 54.07% 55.11% 55.54%
d) US Rata imobilizărilor corporale 0.85% 0.79% 0.81% 0.80% 0.77%
f) US Rata imobilizărilor necorporale 4.34% 4.25% 5.32% 5.51% 4.77%
g) US Rata investiţiilor pe termen lung 0.13% 0.51% 0.18% 0.26% 0.06%
i) US Rata altor active 6.28% 6.27% 7.12% 6.57% 7.73%
US TOTAL ACTIV 100.00% 100.00% 100.00% 100.00% 100.00%
3.00% 2.78%
2.59% 2.57% 2.60%
2.50%
2.00%
1.50%
1.00%
0.50%
40.00% b) US Rata altor active purtătoate de dobânzi
0.00%
35.00% 33.67%
200431.90% 2005 2006 2007 2008
29.95% 29.15%
30.00% 27.84%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
35.00% 33.67%
31.90%
29.95% 29.15%
30.00% 27.84%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2004 2005 2006 2007 2008
53.00%
52.00% 51.73%
51.00%
50.00%
49.00%
2004 2005 2006 2007 2008
0.82% 0.81%
0.80%
0.80% 0.79%
0.78%
0.77%
0.76%
0.74%
0.72%
2004 2005 2006 2007 2008
5.00% 4.77%
4.34% 4.25%
4.00%
3.00%
2.00%
1.00%
0.00%
2004 2005 2006 2007 2008
0.40%
0.30% 0.26%
0.20% 0.18%
0.13%
0.10% 0.06%
0.00%
g) US Rata investiţiilor pe termen lung
0.51%
0.50%
0.40%
0.30% 0.26%
0.20% 0.18%
0.13%
0.10% 0.06%
0.00%
2004 2005 2006 2007 2008
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
2004 2005 2006 2007 2008
30%
20%
10%
0%
2004 2005 2006 2007 2008
60.00%
RATE DE STRUCTURĂ ACTIV GRUP US
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
a) US Rata disponibilităţi b) US Rata altor active c) US Rata creditelor nete d) US Rata imobilizărilor f) US Rata imobilizărilor
aflate în caserie şi la bănci purtătoate de dobânzi corporale necorporale
centrale
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
US Rata datoriilor US Rata datoriilor a. US Rata plăţilor b. US Rata c. US Rata altor d. US Rata e. US Rata altor f. U
Totale privind clientela de efectuat către depozitelor pe datorii purtătoare împrumuturilor pe datorii curente dato
furnizori termen scurt de dobânzi termen scurt lung
7.00%
Rata plăţilor de efectuat către furnizori
6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
2004 2005 2006 2007
6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
2004 2005 2006 2007
4.00%
3.50%
Rata altor datorii purtătoate de dobânzi
3.00%
2.50%
2.00%
1.50%
.77%
1.00%
0.50%
0.00%
2004 2005 2006 2007 2008
2008
20.00%
18.00% Rata împrumuturilor pe termen scurt
16.00%
14.00%
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
2004 2005 2006 2007 2008
0.25%
0.20%
0.15%
0.10%
0.05%
.06%
0.00%
2004 2005 2006 2007 2008
0.25%
0.20%
0.15%
0.10%
0.05%
.06%
0.00%
2004 2005 2006 2007 2008
2008
2008
9.02% 0.80%
0.60%
0.40%
0.20%
0.00%
2004 2005 2006 2007 2008
2008
2008
2008
Figura 2.2. Structura activulu
1000%
a) US Rata disponibilităţi aflate în caserie şi la bănci centrale
1000%
RATE DE STRUCTURĂ PASIV GRUP US
.15% 82.01%
at către furnizori
0%
2008
2008
2008
2008
ura 2.2. Structura activului la băncile americane
Datorii totale
Figura Structura pasivului băncilor americane
222,096 194,414
167,425 139,580
54,671 54,834
122.46% 122.83%
137.85%
117.89% 122.46% 122.83%
80.00%
RATE DE STRUCTURĂ VENITURI
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
2004 2005 2006 2007 2008
RATE DE STRUCTURĂ CHELTUIELI
180.00%
80.00% RATE DE STRUCTURĂ CHELTUIELI
160.00%
70.00%
140.00%
60.00%
50.00% 120.00%
40.00% 100.00%
30.00% 80.00%
20.00% 60.00%
10.00% 40.00%
0.00% 20.00%
08
20
04
20
05
20
06
20
07
20
0.00%
2004
30.00% 80.00%
20.00% 60.00%
10.00% 40.00%
0.00% 20.00%
08
20
04
20
05
20
06
20
07
20
0.00%
2004
2004 2005
Cheltuieli cu dobânzile CD 24,876 46,408
Venituri totale VT 128,107 161,241
Rata cheltuielilor cu dobănzile la 100 lei venituri RCD/100 19.42% 28.78%
Dinamica ratei cheltuielilor cu dobânzile la 100 lei venituri (bază fixă) DRCD/10 100.00% 148.22%
b) Rata altor cheltuieli decât cele cu dobânzile la 100 lei venituri (RCC/100leiV=AC*100/VT)
2004 2005
Alte cheltuieli decât cele cu dobânzile CC 58,587 62,204
Venituri totale VT 128,107 161,241
Rata altor cheltuieli decât cele cu dobânzile la 100 lei venituri RCC/100 45.73% 38.58%
Dinamica ratei altor cheltuieli decât cele cu dobânzile la 100 lei venituri (bază fixă) DRCC/10 100.00% 84.36%
2006
2007
2005
2008
80.00%
Rata veniturilor din dobănzi
70.00%
72.00%
60.00%
70.00%
50.00%
68.00%
40.00%
66.00%
30.00%
64.00%
20.00%
62.00%
10.00%
60.00%
0.00%
2004 2005 2006 2007 2008
64.00%
20.00%
62.00%
10.00%
60.00%
0.00%
2004 2005 2006 2007 2008
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2004 2005 2006 2007 2008
180.00%
60.00% Rata cheltuielilor cu dobănzile 160.00%
50.00%
140.00%
40.00%
30.00% 120.00%
20.00% 100.00%
10.00% 80.00%
0.00% 60.00%
2005
2008
2004
2006
2007
40.00%
20.00%
0.00%
2004
120.00%
80.00% Rata altor cheltuieli decât cele din dobânzi Dinamica r
70.00% 100.00%
60.00%
50.00% 80.00%
40.00%
30.00% 60.00%
20.00%
10.00% 40.00%
0.00%
2004
2006
2008
2005
2007
20.00%
0.00%
2004
45.00% Rata cheltuielilor cu dobănzile la 100 lei venituri
40.00%
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2004
2005
2007
2008
50.00% 2006
Rata altor cheltuieli decât cele cu dobânzile la 100 lei venituri
45.00%
40.00%
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2004
2005
2007
2008
2006
80.00%
RATE DE STRUCTURĂ VENITUR
70.00%
xercitiul financiar % 60.00%
80.00%
RATE DE STRUCTURĂ CHELTUIELI
70.00%
2006 2007 2008 60.00%
73,388 84,847 56,766
146,533 167,425 139,580 50.00%
50.08% 50.68% 40.67% 40.00%
168.04% 170.03% 136.45%
30.00%
2006 2007 2008 20.00%
73,145 82,578 82,814
10.00%
146,533 167,425 139,580
49.92% 49.32% 59.33% 0.00%
71.11% 70.26% 84.52% Rata cheltuielilor cu dobănzile Rata a
180.00%
160.00%
Dinamica RATE DE STRUCTURĂ CHELTUIELI
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2004 2005 2006 2007 2008
80.00%
60.00%
40.00%
20.00%
0.00%
2004 2005 2006 2007 2008
URI
50.00%
xercitiul financiar % RATA CHELTUIELILOR LA 100 lei VENITUR
45.00%
40.00%
2006 2007 2008
73,388 84,847 56,766 35.00%
208,076 222,096 194,414 30.00%
35.27% 38.20% 29.20%
25.00%
181.63% 196.74% 150.37%
20.00%
15.00%
2006 2007 2008
73,145 82,578 82,814 10.00%
208,076 222,096 194,414 5.00%
35.15% 37.18% 42.60%
0.00%
76.87% 81.30% 93.14%
Rata cheltuielilor cu dobănzile la 100 lei venituri
250.00%
Dinamica RATA CHELTUIELILOR LA 100 lei VENITURI
200.00%
150.00%
100.00%
50.00%
0.00%
2004 2005 2006 2007 2008
120.00%
112.00%
Dinamica ratei veniturilor din dobânzi
100.00%
110.00%
108.00%
80.00%
106.00%
60.00%
104.00%
102.00%
40.00%
100.00%
98.00%
20.00%
96.00%
94.00%
0.00%
2004 2005 2006 2007 2008
98.00%
20.00%
96.00%
94.00%
0.00%
2004 2005 2006 2007 2008
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2004 2005 2006 2007 2008
180.00%
160.00% Dinamica ratei cheltuielilor cu dobânzile
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2004 2005 2006 2007 2008
120.00%
Dinamica ratei altor cheltuieli decât cele din dobânzi
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2004 2005 2006 2007 2008
250.00%
200.00%
Dinamica ratei cheltuielilor cu dobânzile la 100 lei
venituri (bază fixă)
150.00%
100.00%
50.00%
0.00%
120.00%
40.00%
20.00%
0.00%
2000%
0%
or din dobănzi Rata altor venituri decât cele din dobânzi
TURĂ CHELTUIELI
2000%
0%
0%
or cu dobănzile la 100 lei venituri Rata altor cheltuieli decât cele cu dobânzile la 100 lei venituri
Structura veniturilor 1.2
0.8
0.6
0.4
0.2
180.00%
160.00%
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Din
dob
250.00%
200.00%
150.00%
100.00%
50.00%
0.00%
D
d
(
1.2
Dinamica ratelor de structură a veniturilor
1
0.8
0.6
0.4
0.2
180.00%
Dinamică rate de structură cheltuieli
160.00%
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
Dinamica ratei cheltuielilor cu Dinamica ratei altor cheltuieli
dobânzile decât cele din dobânzi
250.00%
150.00%
100.00%
50.00%
0.00%
Dinamica ratei cheltuielilor cu Dinamica ratei altor cheltuieli
dobânzile la 100 lei venituri decât cele cu dobânzile la 100
(bază fixă) lei venituri (bază fixă)
Gradul de expunere
2.50% 100.00%
2.00% 80.00%
1.50% 60.00%
1.00% 40.00%
0.50% 20.00%
0.00% 0.00%
3.00%
100.00%
2.50%
80.00%
2.00%
60.00%
1.50%
40.00%
1.00%
20.00%
0.50%
2.50%
80.00%
2.00%
60.00%
1.50%
40.00%
1.00%
20.00%
0.50%
0.00% 0.00%
1.40%
100.00%
1.20%
80.00%
1.00%
0.80% 60.00%
0.60%
40.00%
0.40%
20.00%
0.20%
0.00% 0.00%
0.03
18.00% 120.00%
Figura Rata rentabilităţii capitalului propriu (ROE)
16.00%
100.00% 0.02
14.00%
10.00%
60.00%
8.00% 0.01
6.00% 40.00%
0.01
4.00%
20.00%
2.00%
0.00
0.00% 0.00%
12.50 Figura Multiplicatorul capitalului 110.00% 90.00%
80.00%
12.00 105.00%
70.00%
60.00%
11.50 100.00%
50.00%
40.00%
11.00 95.00%
30.00%
20.00%
10.50 90.00%
10.00%
30.00%
100.00%
25.00%
80.00%
20.00%
60.00%
15.00%
40.00%
10.00%
20.00%
5.00%
0.00% 0.00%
108.00% Dinamica pârghiei financiare cu baza fixă 12.50 Pârghia financiară
106.00%
104.00% 12.00
102.00%
100.00% 11.50
98.00%
96.00% 11.00
94.00%
92.00% 10.50
90.00%
88.00% 10.00
2004 2005 2006 2007 2008 2004 2005 2006
Dinamica ratei rentabilităţii generale cu baza fixă 35.00% Rata rentabilităţii gene
100.00%
30.00%
80.00% 25.00%
60.00% 20.00%
15.00%
40.00%
10.00%
20.00%
5.00%
0.00% 0.00%
2004 2005 2006 2007 2008
2004 2005 2006
35.00%
2008 Evoluţia
79,264
3,794,589
30.00%
2.09%
74.98% 25.00%
2008 20.00%
79,264
3,794,589
15.00%
124,753
180,816
29,073 10.00%
293,352
3,166,595
5.00%
2.50%
77.22%
0.00%
2008 MAB MAV ROA ROE RRG
2,641
3,794,589
0.07%
5.28%
2008
2,641
342,333
0.77% -14.35%
5.10%
2008
2,641
44,644
5.92%
9.85%
2008
44,644
3,794,589
0.01
53.62%
2008
3,794,589
342,333
11.08
96.53%
2008
2,641
139,580
1.89%
5.89%
1.50%
1.00%
0.50%
0.00%
2.78%
2.50%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2004 2005 2006 2007 2008
100.00%
0.02
80.00%
0.02
60.00%
0.01
40.00%
0.01
20.00%
0.00 0.00%
90.00% Figura Marja profitului 90.00%
80.00% 80.00%
70.00% 70.00%
60.00% 60.00%
50.00% 50.00%
40.00% 40.00%
30.00% 30.00%
20.00% 20.00%
10.00% 10.00%
0.00% 0.00%
Pârghia financiară
008
Evoluţia indicatorilor de performanţă la băncile americane
Indicatori 2004
Profit net dupa constituirea provizioanelor pt credite (RNDP=VND-PR)
Venit net din dobânzi VND 56,690
Provizioane pentru credite PR 4,959
Profit net dupa constituirea provizioanelor pt credite PNDP 51,731
Dinamica profitului net după constituirea provizioanelor pt credite DPNDP 100.00%
Rezultatul brut al activităţii curente (RBAC=PNDP+VNAA)
Profit net dupa constituirea provizioanelor pt credite PNDP 51,731
Venit net din alte venituri decât cele din dobânzi VNAA (12,046)
Rezultatul brut al activităţii curente RBAC 39,685
Dinamica rezultatului brut al activtăţii curente DRBAC 100.00%
Rezultatul net al activităţii curente (RNAC=RBAC-IPII)
Rezultatul brut al activităţii curente RBAC 39,685
Impozit şi provizion înainte de impozitare IPII 13,502
Rezultatul net al activităţii curente RNAC 26,183
Dinamica rezultatului net al activităţii curente DRNAC 100.00%
450.00%
400.00%
Title
350.00%
300.00%
250.00%
200.00%
150.00%
100.00%
50.00%
0.00%
2004 2005 2006 2007
-50.00%
100.00%
50.00%
0.00%
2004 2005 2006 2007
-50.00%
3.5
Dinamica rezultatului activităţii curente
3
2.5
1.5
0.5
0
2004 2005 2006 2007 2008
2.5
1.5
0.5
0
2004 2005 2006 2007 2008
2.5
1.5
0.5
0
2004 2005 2006 2007 2008
160.00%
Dinamica veniturilor totale, cheltuielilor totale şi a rezultatului brut
140.00%
120.00%
100.00%
80.00%
60.00%
40.00%
20.00%
0.00%
2004 2005 2006 2007
2005 2006 2007 2008
7 2008
7 2008
2008
2008
2008
07 2008
Figura 4. Marja netă din dobânzi la băncile americane
79,264
67,038 68,901
61,764