{"id":20483,"date":"2021-05-06T10:09:14","date_gmt":"2021-05-06T10:09:14","guid":{"rendered":"https:\/\/bvbescu.ro\/?p=20483"},"modified":"2021-05-06T10:09:14","modified_gmt":"2021-05-06T10:09:14","slug":"analiza-fundamentala-brd-t1-2021","status":"publish","type":"post","link":"https:\/\/bvbescu.ro\/premium-info\/analiza-fundamentala-brd-t1-2021\/","title":{"rendered":"Analiza fundamentala BRD T1 2021"},"content":{"rendered":"

BRD Societe Generale este a treia banca ca marime din Romania si una dintre societatile emblematice listate la Bursa de Valori Bucuresti. Banca din Romania obtine, in acest moment, performante peste cele ale societatii mama din Franta, insa evolutia cotatiilor sale pe Piata de Capital romaneasca o recomanda – mai degraba – pentru portofoliul investitorilor conservatori. Spre deosebire de Banca Transilvania, unde cotatia inregistreaza o volatilitate mai ridicata, BRD pare, de obicei, un colos cu picioare de lut. Totusi, in contextul crizei COVIT-19, amandoua bancile au avut corectii similare, de aproximativ 35%.<\/p>\n

Anul 2019 a fost un an foarte bun pentru sistemul bancar, fapt care in cifrele raportate de BRD nu este atat de relevant. Desi a raportat un profit net de aproximativ 1,5 miliarde lei, valoarea activelor si profitul net sunt similare cu cele raportate pe anul 2018. Acest aspect reflecta faptul ca, in 2019, afacerile BRD au stagnat, nereusind sa creasca in acelasi ritm cu restul pietei.<\/p>\n

Analiza fundamentala BRD – T1 2021<\/h1>\n

[pms-restrict]<\/p>\n

Tabelul de mai jos contine principalii indicatori financiari raportati de companie QoQ si referintele la care se raporteaza. Aceste date nu reprezinta recomand\u0103ri de cump\u0103rare, v\u00e2nzare sau p\u0103strare a unui anumit instrument financiar. Utilizati datele de mai jos tinand cont de propria voastra strategie investitionala. Tranzactionarea pe Piata de capital presupune un grad crescut de risc. Va recomand sa investiti numai in cunostinta de cauza si dupa o documentare prealabila.<\/p>\n\n<\/colgroup>\n<\/colgroup>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Indicatori<\/b><\/td>\nT1 2020<\/b><\/td>\nT1 2021<\/b><\/td>\nReferinta<\/b><\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Active Totale<\/b><\/td>\n65096.69<\/td>\n58935.38<\/td>\n-9.46%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Datorii Totale<\/b><\/td>\n55244.38<\/td>\n50823.14<\/td>\n-8.00%<\/td>\n<\/tr>\n
Capital social<\/td>\n2515.62<\/td>\n2515.62<\/td>\n0.00%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Contul de profit si pierdere<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Venituri din dobanzi<\/td>\n547.31<\/td>\n506.68<\/td>\n-7.42%<\/td>\n<\/tr>\n
Venituri din comisioane<\/td>\n177.12<\/td>\n179.45<\/td>\n1.32%<\/td>\n<\/tr>\n
Venituri operationale<\/td>\n766.73<\/td>\n759.21<\/td>\n-0.98%<\/td>\n<\/tr>\n
Cheltuieli operationale<\/td>\n425.16<\/td>\n438.41<\/td>\n3.12%<\/td>\n<\/tr>\n
Profit operational net<\/td>\n240.76<\/td>\n222.47<\/td>\n-7.60%<\/td>\n<\/tr>\n
Costul net al riscului<\/td>\n59.89<\/td>\n54.39<\/td>\n-9.18%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Rezultat brut<\/td>\n281.68<\/td>\n266.40<\/td>\n-5.42%<\/td>\n<\/tr>\n
Rezultat net<\/b><\/td>\n240.76<\/td>\n222.47<\/td>\n-7.60%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Credite si depozite<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Total credite nete<\/td>\n31300<\/td>\n31800<\/td>\n1.60%<\/td>\n<\/tr>\n
Total depozite<\/td>\n46900<\/td>\n51400<\/td>\n9.59%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Adecvarea capitalului<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Rata fonduri proprii totale<\/td>\n22.60%<\/td>\n31.60%<\/td>\n39.82%<\/td>\n<\/tr>\n
Active ponderate a risc<\/td>\n30835<\/td>\n27343<\/td>\n-11.32%<\/td>\n<\/tr>\n
Solvabilitate generala<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
NPL<\/td>\n3.30%<\/td>\n3.30%<\/td>\n4.06%<\/td>\n<\/tr>\n
Costuri cu provizioanele<\/td>\n86.16<\/td>\n79.48<\/td>\n-7.75%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Indicatori de profitabilitate<\/b><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Rentabilitatea capitalului angajat<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
Marja bruta din vazari<\/td>\n51.47%<\/td>\n52.58%<\/td>\n<\/td>\n<\/tr>\n
Marja neta din vazari<\/td>\n43.99%<\/td>\n43.91%<\/td>\n<\/td>\n<\/tr>\n
Rentabilitate financiara<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
EBIT<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
EBITDA<\/td>\n–<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

[\/pms-restrict]<\/p>\n","protected":false},"excerpt":{"rendered":"

BRD Societe Generale este a treia banca ca marime din Romania si una dintre societatile emblematice listate la Bursa de Valori Bucuresti. Banca din Romania obtine, in acest moment, performante… <\/p>\n","protected":false},"author":1,"featured_media":18729,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[353,376,374,292],"tags":[5,32,90,3,88,57,13,4],"_links":{"self":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/20483"}],"collection":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/comments?post=20483"}],"version-history":[{"count":1,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/20483\/revisions"}],"predecessor-version":[{"id":20484,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/20483\/revisions\/20484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/media\/18729"}],"wp:attachment":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/media?parent=20483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/categories?post=20483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/tags?post=20483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}