{"id":22282,"date":"2021-11-01T13:54:06","date_gmt":"2021-11-01T13:54:06","guid":{"rendered":"https:\/\/bvbescu.ro\/?p=22282"},"modified":"2021-12-06T13:55:16","modified_gmt":"2021-12-06T13:55:16","slug":"analiza-fundamentala-banca-transilvania-t3-2021","status":"publish","type":"post","link":"https:\/\/bvbescu.ro\/premium-info\/analiza-fundamentala-banca-transilvania-t3-2021\/","title":{"rendered":"Analiza fundamentala Banca Transilvania – T3 2021"},"content":{"rendered":"

Banca Transilvania a fost fondata de un grup de oameni de afaceri din Cluj-Napoca, cu un capital social de 2 miliarde lei. Doi dintre fondatori fac parte inclusiv din actualul Consiliul de Administratie al bancii: Horia Ciorcila (Presedinte) si Radu Palagheanu (Membru). La inceput de drum, banca a fost orientata spre domeniul IMM si a a avut in vedere dezvoltarea afacerii in zona Cluj. Intr-o etapa ulterioara, Banca Transilvania s-a dedicat inclusiv retailului si s-a extins in judetele din Transilvania. In perioada 2003 – 2008 a deschis peste 500 de sedii in intreaga tara, devenind una dintre institutiile bancare cu una dintre cele mai extinse retele de unitati din Romania. In 2003, BT a devenit Grupul Financiar Banca Transilvania. Strategia de business BT se bucura de sustinerea unor actionari internationali puternici, cum sunt BERD si IFC – Banca Mondiala.<\/p>\n

Banca Transilvania a fost deschizator de drumuri pe piata bancara, prin proiecte precum: listarea la Bursa de Valori Bucuresti, in premiera pentru o banca din Romania (1997); este prima banca din lume care a oferit serviciul de transfer de bani Western Union prin intermediul bancomatului (2010); prima banca din tara care a lansat serviciul de transfer de bani Western Union prin Internet Banking (2012), respectiv prin Mobile Banking (2013).<\/p>\n

Banca Transilvania se claseaza printre cele mai puternice 50 de branduri romanesti, conform clasamentului realizat de revista Biz.<\/p>\n

Analiza fundamentala Banca Transilvania – T3 2020<\/h1>\n

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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\n\n
Indicatori<\/b><\/td>\n9L 2020<\/b><\/td>\n9L 2021<\/b><\/td>\nReferinta<\/b><\/td>\n<\/tr>\n
\u00a0<\/b><\/td>\nmil lei<\/b><\/td>\nmil lei<\/b><\/td>\n\u00a0<\/b><\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Capitaluri proprii<\/td>\n9827.49<\/td>\n10894.88<\/td>\n10.86%<\/td>\n<\/tr>\n
Active Totale<\/b><\/td>\n100398.56<\/td>\n117913.12<\/td>\n17.45%<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Datorii Totale<\/b><\/td>\n90571.07<\/td>\n107018.24<\/td>\n18.16%<\/td>\n<\/tr>\n
Capital social<\/td>\n5302.59<\/td>\n6397.97<\/td>\n20.66%<\/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>\n2175.15<\/td>\n2267.21<\/td>\n4.23%<\/td>\n<\/tr>\n
Venituri din comisioane<\/td>\n560.09<\/td>\n701.42<\/td>\n25.23%<\/td>\n<\/tr>\n
Venituri operationale<\/td>\n3257.47<\/td>\n3618.24<\/td>\n11.08%<\/td>\n<\/tr>\n
Cheltuieli operationale<\/td>\n2046.58<\/td>\n1684.15<\/td>\n-17.71%<\/td>\n<\/tr>\n
Profit operational net<\/td>\n653.11<\/td>\n1668.61<\/td>\n155.49%<\/td>\n<\/tr>\n
Costul net al riscului<\/td>\n1.68%<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Rezultat brut<\/td>\n1210.89<\/td>\n1934.1<\/td>\n59.73%<\/td>\n<\/tr>\n
Rezultat net<\/b><\/td>\n1056.76<\/td>\n1668.61<\/td>\n57.90%<\/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>\n40892.54<\/td>\n46809.21<\/td>\n14.47%<\/td>\n<\/tr>\n
Total depozite<\/td>\n84242.27<\/td>\n99375.48<\/td>\n17.96%<\/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
Fonduri proprii<\/td>\n10399.42<\/td>\n11882.62<\/td>\n14.26%<\/td>\n<\/tr>\n
Active ponderate a risc<\/td>\n15.98%<\/td>\n17.68%<\/td>\n10.64%<\/td>\n<\/tr>\n
Solvabilitate generala<\/td>\n20.01%<\/td>\n20.31%<\/td>\n<\/td>\n<\/tr>\n
NPL<\/td>\n3.59%<\/td>\n3.43%<\/td>\n4.06%<\/td>\n<\/tr>\n
Costuri cu provizioanele<\/td>\n450.54<\/td>\n518<\/td>\n<\/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>\n37.17%<\/td>\n53.45%<\/td>\n<\/td>\n<\/tr>\n
Marja neta din vazari<\/td>\n32.44%<\/td>\n46.12%<\/td>\n<\/td>\n<\/tr>\n
Rentabilitate financiara<\/td>\n10.75%<\/td>\n15.32%<\/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":"

Banca Transilvania a fost fondata de un grup de oameni de afaceri din Cluj-Napoca, cu un capital social de 2 miliarde lei. Doi dintre fondatori fac parte inclusiv din actualul… <\/p>\n","protected":false},"author":1,"featured_media":17453,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[353,444,442,292],"tags":[32,86,3,88,57,13,293],"_links":{"self":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/22282"}],"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=22282"}],"version-history":[{"count":1,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/22282\/revisions"}],"predecessor-version":[{"id":22283,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/posts\/22282\/revisions\/22283"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/media\/17453"}],"wp:attachment":[{"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/media?parent=22282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/categories?post=22282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bvbescu.ro\/premium-info\/wp-json\/wp\/v2\/tags?post=22282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}