Slovakia Commercial Banking Industry Update Quarter 4 2011

  • September 2014
  • -
  • Business Monitor International
  • -
  • 72 pages

Since Q108, we have described numerically the banking business environment for each of the countries surveyed by BMI. We do this through our Commercial Banking Business Environment Rating (CBBER), a measure that ensures we capture the latest quantitative information available. It also ensures consistency across all countries and between the inputs to the CBBER and the Insurance Business Environment Rating, which is likewise now a feature of our insurance reports. Like the Business Environment Ratings calculated by BMI for all the other markets on which it reports, the CBBER takes into account the limits of potential returns and the risks to the realisation of those returns. It is weighted 70% to the former and 30% to the latter.
The evaluation of the Limits of Potential Returns includes industry elements that are specific to the banking market of the country in question and elements that relate to that country in general. Within the 70% of the CBBER that takes into account the Limits of Potential Returns, the industry elements have a 60% weighting and the country elements have a 40% weighting. The evaluation of the Risks to Realisation of Returns also includes banking elements and country elements (specifically, BMI’s assessment of long-term country risk). However, within the 30% of the CBBER that takes into account the risks, these elements are weighted 40% and 60%, respectively.
Further details on how we calculate the CBBER are provided at the end of this report. In general, though, three aspects need to be borne in mind in interpreting the CBBERs. The first is that the industry elements of the Limits of Potential Returns are by far the most heavily weighted of the four elements. They account for 60% of 70% (or 42%) of the overall CBBER. Second, if the industry elements are significantly higher than the country elements of the Limits of Potential Returns, it usually implies that the banking segment is (very) large and/or developed relative to the general wealth, stability and financial infrastructure in the country. Conversely, if the industry elements are significantly lower than the country elements, it usually means that the banking segment is small and/or underdeveloped relative to the general wealth, stability and financial infrastructure in the country. Third, within the Risks to Realisation of Returns category, the industry elements (ie: how regulations affect the development of the segment, how regulations affect competition within it and the Moody’s ratings for local currency deposits) can be markedly different from BMI’s long-term risk rating.

Table Of Contents

Executive Summary ... 5
Data : Levels (EURbn) ... 5
Data : Levels (US$bn) .... 5
Data : Levels At June 2011 .... 5
Data : Annual Growth Rate Projections from 2011 to 2015 (%) . 5
Data : Ranking Out Of 59 Countries Reviewed In 2011 .. 6
Data : Projected Levels (EURbn) . 6
Data : Projected Levels (US$bn) .. 6
Industry SWOT Analysis .... 7
Slovakia Commercial Banking SWOT .. 7
Slovakia Political Environment and Risk Analysis . 7
Slovakia Economic Environment and Risk Analysis ..... 8
Slovakia Business Environment SWOT 8

Environment Overview Outlook ...... 9
Commercial Banking Business Environment Ratings ...... 9
Data : Slovakia’s Commercial Banking Business Environment Rating . 9
Commercial Banking Business Environment Rating Methodology ...... 10
Data : Central And Eastern Europe Commercial Banking Business Environment Ratings .... 11
World Commercial Banking Outlook .. 12
Central And Eastern Europe Banking Segment Outlook .. 16
Data : South East Europe Banking Segment Overview ..... 21
Data : Banks’ Bond Portfolios .... 22
Data : Central And Eastern Europe Commercial Banking Business Environment Ratings .... 23
Data : Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios .. 24
Data : Anticipated Developments In 2011 25
Data : Comparison Of Total Assets, Client Loans And Client Deposits, from 2009 to 2010 (US$bn) 26
Data : Comparison Of Per Capita Deposits, 2010 (US$) ..... 27
Data : Interbank Rates And Bond Yields, from 2010 to 2011 .... 28
Slovakia Banking Segment Outlook . 29
Economic Outlook .... 32
Data : Slovakia Economic Activity, from 2008 to 2015 ...... 33

Competition Overview .. 34
Market Structure .. 34
Data : Protagonists In Slovakia’s Commercial Banking Segment ... 34
Definition Of The Commercial Banking Universe... 34
List Of Banks .. 35
Data : Commercial And Savings Banks In Slovakia ...... 35
Company Profiles ..... 36
?SOB 36
?SOB Stavebna Sporitelna .. 38
Data : Key Statistics For ?SOB Stavebna Sporitelna, 2007 (EURmn) 38

Dexia Banka Slovensko . 39
Data : Stock Industry Indicators ... 40
Data : Balance Sheet (EURmn, unless stated) . 40
Data : Balance Sheet (US$mn, unless stated) .. 41
Data : Key Ratios (%) ... 41
Istrobanka/?SOB Slovakia .. 42
KB Bratislava . 43
Data : Key Statistics For KB Bratislava, 2007 (EURmn) ..... 43
Privatbanka .... 44
Data : Key Statistics For Privatbanka, 2007 (EURmn) . 44
Prvá Stavebná Sporite??a .... 45
Slovenská Sporite??a .... 46
UniCredit Bank Slovakia ..... 47
Slovenska Zarucna a Rozvojova Banka ..... 48
Tatra Banka .... 49
Data : Key Statistics For Tatra Banka, from 2006 to 2007 (EURmn) 49
BMI Banking Segment Methodology 50
Commercial Bank Business Environment Ratings 51
Data : Commercial Banking Business Environment Indicators And Rationale.. 52
Data : Weighting Of Indicators .. 53

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