raportul conducerii 2018...raportul anual victoriabank 2018 &/,0$78/ (&2120,& 6,78$ d,$...
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RAPORTUL CONDUCERII2 0 1 8
Raportul anual Victoriabank 2018
160,
8
178,
9
190,
0
4,4% 4,7% 4,0%
0,0%
1,0%
2,0%
3,0%
4,0%
5,0%
6,0%
7,0%
8,0%
9,0%
10,0%
11,0%
12,0%
13,0%
145,0
150,0
155,0
160,0
165,0
170,0
175,0
180,0
185,0
190,0
195,0
2016 2017 2018
Fig. 1 Produsul intern brut
PIB, miliarde lei indicele volumului fizic
2.04
5
2.42
5
2.70
74.02
0 4.83
1 5.76
4
(1.976) (2.406)(3.057)-4.000
-3.000
-2.000
-1.000
0
1.000
2.000
3.000
4.000
5.000
6.000
2016 2017 2018
Fig. 2 Dinamica balan ei comerciale, mil.USD
export import
Raportul anual Victoriabank 2018
6,4%
6,6%
3,0%
10,2%9,4%
7,8%
5%
9,0%
6,5%6,5%
0,0%
2,0%
4,0%
6,0%
8,0%
10,0%
12,0%
2016 2017 2018
Fig.3 Infla ia i masa monetar
545
599
576
394 49
1 59914
0
110 91
-4,4%
11,2%
5,6%
-6 ,0%
-1 ,0%
4,0 %
9,0 %
14, 0%
19, 0%
0
200
400
600
800
1.0 00
1.2 00
1.4 00
2016 2017 2018
Fig. 4 Transferuri nete sistem bancar, mil.USD
USD EUR RUB
1.0791.200 1.267
Raportul anual Victoriabank 2018
19,918,5
16,8
22,120,8
19,8
10,0
12,0
14,0
16,0
18,0
20,0
22,0
24,0
2016 2017 2018
Fig. 5 Cursul de schimb USD i EUR, mediu anual
USD EUR
Raportul anual Victoriabank 2018
rii care au
79.4
65
54
.972
59
.99
0
2016 2017 2018
Fig. 6
active depozite
1.36
4 1.52
8
1.51
0
0
200
400
600
800
1.000
1.200
1.400
1.600
1.800
2016 2017 2018
Fig. 7 Profit net sector bancar, mil.lei
1,8% 1,9% 1,8%
11,1% 11,4%10,7%
0,0%
2,0%
4,0%
6,0%
8,0%
10,0%
12,0%
2016 2017 2018
Fig. 8 Rentabilitatea activelor (ROA) capitalului (ROE), sector bancar
ROA ROE
Raportul anual Victoriabank 2018
•
•
•
12.6
13 14.4
91
14.2
22
4.57
2
3.51
8
3.03
8
9.92
0
11.5
60
11.7
41
0
2.000
4.000
6.000
8.000
10.000
12.000
14.000
16.000
2016 2017 2018
Fig. 9 Dinamica indicatorilor de bilan , mil.lei
active depozite
18 Raportul anual Victoriabank 2018
220,
9
281,
9
42,5
0,0
50,0
100,0
150,0
200,0
250,0
300,0
2016 2017 2018
Fig. 10 Evolu ia profitului net, milioane lei
Raportul anual Victoriabank 2018
20 Raportul anual Victoriabank 2018
•
•
21Raportul anual Victoriabank 2018
9.88
2 11.5
19
11.6
89
7,7%16,6%
1,5%
-2 0,0%
-1 0,0%
0,0 %
10, 0%
20, 0%
30, 0%
40, 0%
50, 0%
60, 0%
70, 0%
0
2.0 00
4.0 00
6.0 00
8.0 00
10. 000
12. 000
14. 000
2016 2017 2018
Fig.
60,0%
40,0%
58,9%
41,1%
Fig.
2018
2017
57,6%
42,4%
59,7%
40,3%
Fig.
2018
2017
57,8%
42,2%
59,9%
40,1%
Fig.
vedere termen
2018
2017
22 Raportul anual Victoriabank 2018
ACTIVITATEA DE CREDITARE
4.97
4
3.89
7
3.59
9
-15,5%-21,7%
-7,7%
-3 0,0%
-2 0,0%
-1 0,0%
0,0 %
10, 0%
20, 0%
30, 0%
40, 0%
50, 0%
0
1.0 00
2.0 00
3.0 00
4.0 00
5.0 00
6.0 00
2016 2017 2018
Fig. Credite principal (mil.lei)
Credite principal
631 67
0
844
4,2% 6,2%
26,1%
-2 0,0%
-1 0,0%
0,0 %
10, 0%
20, 0%
30, 0%
40, 0%
50, 0%
60, 0%
70, 0%
0
100
200
300
400
500
600
700
800
900
2016 2017 2018
Fig. Credite persoane fizice (mil.lei)
Raportul anual Victoriabank 2018
ACTIVITATEA DE CREDITARE
Structura credite pe valute
Structura credite pe ramuri
82,8%
17,2%
76,5%
23,5%
Fig.
2018
2017
53,5%
12,5%
34,0%
62,5% 10,3%
27,3%
Fig. Structura credite pe valute
USD EUR
2018
2017
20,5%
16,6%
23,5%
18,6%
7,7%
5,0%4,8%3,4%
Fig. Structura credite pe ramuri
mediu financiar nebancar
alte
Raportul anual Victoriabank 2018
299,
7
310,
2
337,
4
18,0%
3,5%
8,8%
0,0 %1,0 %2,0 %3,0 %4,0 %5,0 %6,0 %7,0 %8,0 %9,0 %10, 0%11, 0%12, 0%13, 0%14, 0%15, 0%16, 0%17, 0%18, 0%19, 0%20, 0%21, 0%22, 0%23, 0%24, 0%25, 0%26, 0%27, 0%28, 0%29, 0%30, 0%31, 0%32, 0%33, 0%34, 0%35, 0%
0,0
50, 0
100 ,0
150 ,0
200 ,0
250 ,0
300 ,0
350 ,0
400 ,0
2016 2017 2018
Fig. Venituri din comisoane (mil.lei)
188,
2
182,
3
191,
7
8,8%
-3,1%
5,1%
-7 ,0%-6 ,0%-5 ,0%-4 ,0%-3 ,0%-2 ,0%-1 ,0%0,0 %1,0 %2,0 %3,0 %4,0 %5,0 %6,0 %7,0 %8,0 %9,0 %10, 0%11, 0%12, 0%13, 0%14, 0%15, 0%16, 0%17, 0%18, 0%19, 0%20, 0%21, 0%22, 0%23, 0%24, 0%25, 0%
0,0
50, 0
100 ,0
150 ,0
200 ,0
250 ,0
2016 2017 2018
Fig. (mil.lei)
USD28,4%
EUR45,9%
RUB10,2%
MDL15,5%
Fig.
Raportul anual Victoriabank 2018
ACTIVITATEA CU CARDURI BANCARE
57,1%
41,3%45,1%
31,7%
13,9%
6,6%
0,0 %
10, 0%
20, 0%
30, 0%
40, 0%
50, 0%
60, 0%
2016 2017 2018
Fig.
269 30
1
309
104
108 14
0
0
50
100
150
200
250
300
350
2016 2017 2018
Fig.
57,1%
41,3%45,1%31,7%
13,9%6,6%
0,0 %
10, 0%
20, 0%
30, 0%
40, 0%
50, 0%
60, 0%
2016 2017 2018
Fig.
49,8% 50,2%
57,5%
42,5%
Fig.
cu numerar
2018
2017
Raportul anual Victoriabank 2018
ACTIVITATEA CU CARDURI BANCARE3,
7
4,2
4,8
12,1%14,5% 14,4%
0,0 %
5,0 %
10, 0%
15, 0%
20, 0%
25, 0%
30, 0%
0,0
1,0
2,0
3,0
4,0
5,0
6,0
2016 2017 2018
Fig. POS-
170
175
177
-0,6%
2,9%1,1%
-3 ,0%
2,0 %
7,0 %
12, 0%
17, 0%
22, 0%
27, 0%
0
20
40
60
80
100
120
140
160
180
200
2016 2017 2018
Fig.
25,5%
13,1%14,9%
0,0 %
5,0 %
10, 0%
15, 0%
20, 0%
25, 0%
30, 0%
35, 0%
40, 0%
0
20. 000
40. 000
60. 000
80. 000
100 .000
120 .000
140 .000
160 .000
180 .000
200 .000
2016 2017 2018
Fig. Venituri comisioane la carduri
Raportul anual Victoriabank 2018
0
200
400
600
800
1.0 00
1.2 00
1.4 00
1.6 00
1.8 00
2.0 00
2016 2017 2018
Fig.
28 Raportul anual Victoriabank 2018
2.84
0
4.42
0
2.70
8
0
500
1.0 00
1.5 00
2.0 00
2.5 00
3.0 00
3.5 00
4.0 00
4.5 00
5.0 00
2016 2017 2018
Fig. Titluri de datorie, mil.lei
170
212
246
0
50
100
150
200
250
300
2016 2017 2018
Fig. Instrumente de capital propriu, mil.lei
Raportul anual Victoriabank 2018
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digitale
Raportul anual Victoriabank 2018
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74
190
Barbati
Femei
33%
37%
19%
10%
13%20-30
31-40
41-50
51-60
61-67
749
412
318
843
Femei
74
190Femei
Raportul anual Victoriabank 2018
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Raportul anual Victoriabank 2018
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Raportul anual Victoriabank 2018
Raportul anual Victoriabank 2018
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Raportul anual Victoriabank 2018
Raportul anual Victoriabank 2018
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Raportul anual Victoriabank 2018
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