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Romania Banking & Financial Services Report Q4 2017

BMI View: We hold a positive overall outlook for the Romanian banking and financial services' sector,with the nominal Gross Value Added (GVA) expected to see an average y-o-y increment of around 10.2%between the years of 2017 and 2021. This has largely been driven by the robust expectations for thecountry's economic growth forecasts over the medium term and its rising household incomes which aregenerating higher demand for banking and finance sector services. Paired with the fact that the financialinclusion levels of the Romanian population are on par with emerging Europe averages, and the country'sEU member means that the sector is a very easy one for market players licensed to provide banking andfinancial services in other EU countries to penetrate, these create very favourable market conditions forsector expansion. The main hindrance for sector growth over the medium term remains the widespreadlevels of corruption prevalent in Romania and the resultant political and policy uncertainty these havecreated in the past three years. Total inward FDI and FPI stocks fell in both 2014 and 2015 due to these,and uncertainty still prevails in regards to the Romanian government's tax policy for sector segments offinancial services as well as uncertainty in areas such as private pension funds.


BMI Industry View
Banking & Financial Services Industry View
Table: Financial Services Forecasts (Romania 2015-2020)
Table: Financial Services Forecasts (Romania 2021-2026)
SWOT
Banking & Financial Services
Banking
Banking Snapshot
Forecast Scenario
Table: Key Banking Forecasts (Romania 2015-2021)
Table: Romania - Banking Risk Snapshot
Forecast Tables
Table: Assets Forecasts (Romania 2015-2020)
Table: Assets Forecasts (Romania 2021-2026)
Table: Liabilities Forecasts (Romania 2015-2020)
Table: Liabilities Forecasts (Romania 2021-2026)
Table: Key Ratios Forecasts (Romania 2015-2026)
Competitive Landscape
Table: Top 10 Commercial And Retail Banks By Total Assets, RONmn
Table: Top 10 Banks - Asset Quality
Table: Top 10 Banks - Earnings & Profitability
Table: Top 10 Banks - Capital And Leverage
Table: Top 10 Banks - Funding And Liquidity
Regulatory Environment
Insurance
Insurance Snapshot
Table: Gross Insurance Premiums Written (Romania 2015-2020)
Table: Gross Insurance Premiums Written (Romania 2021-2026)
Competitive Landscape
Table: Top 9 Life Insurance Companies By Gross Premiums, USDmn
Table: Top 10 Non-Life Insurance Companies By Gross Premiums, USDmn
Regulatory Environment
Asset Management
Asset Management Snapshot
Competitive Landscape
Regulatory Environment
Stock Exchanges
Stock Exchanges Snapshot
Competitive Landscape
Regulatory Environment
Macroeconomic Overview
Economic Analysis
Macroeconomic Forecasts
Table: Macroeconomic Indicators (Romania 2016-2026)
Household Income Forecasts
Table: Household Income Data (Romania 2015-2021)
Demographic Forecast
Table: Population Headline Indicators (Romania 1990-2025)
Table: Key Population Ratios (Romania 1990-2025)
Table: Urban/Rural Population & Life Expectancy (Romania 1990-2025)
Table: Population By Age Group (Romania 1990-2025)
Table: Population By Age Group % (Romania 1990-2025)
Methodology
Industry Forecast Methodology
Sector-Specific Methodology

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