Bosnia-Herzegovina Commercial Banking Report Q2 2012

Date: April 3, 2012
Pages: 65
Price:
US$ 1,295.00
Publisher: Business Monitor International
Report type: Strategic Report
Delivery: E-mail Delivery (PDF)
ID: BEFAAA0BB3AEN
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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 industries 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 market elements that are specific to the banking industry 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 market 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 take 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 market 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 market elements are significantly higher than the country elements of the 'Limits of potential returns', it usually implies that the banking sector is (very) large and/or developed relative to the general wealth, stability and financial infrastructure in the country. Conversely, if the market elements are significantly lower than the country elements, it usually means that the banking sector is small and/or underdeveloped relative to the general wealth, stability and financial infrastructure in the country. Third, within the 'Risks to the realisation of returns' category, the market elements (i.e. how regulations affect the development of the sector, how regulations affect competition within it, and Moody's Investor Services' ratings for local currency deposits) can be markedly different from BMI's long-term risk rating.

Executive Summary
  Table: Levels (BAMbn)
  Table: Levels (US$bn)
  Table: Levels At November 2011
  Table: Annual Growth Rate Projections 2012-2016 (%)
  Table: Ranking Out Of 59 Countries Reviewed In 2011
  Table: Projected Levels (BAMbn)
  Table: Projected Levels (US$bn)
SWOT Analysis
Bosnia & Herzegovina Commercial Banking SWOT
Bosnia & Herzegovina Political SWOT
Bosnia & Herzegovina Economic SWOT
Bosnia & Herzegovina Business Environment SWOT
Business Environment Outlook
Commercial Banking Business Environment Rating
  Table: Commercial Banking Business Environment Ratings
Commercial Banking Business Environment Rating Methodology
  Table: Emerging Europe Commercial Banking Business Environment Ratings
Global Commercial Banking Outlook
European Banking Sector Outlook
ECB Move Eases CEE Banking Liquidity Fears, But Risks Remain High
  Table: Banks' Bond Portfolios
  Table: Emerging Europe Commercial Banking Business Environment Ratings
  Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios
  Table: Anticipated Developments in 2012
  Table: Comparison of Total Assets & Client Loans & Client Deposits (US$bn)
  Table: Comparison of US$ Per Capita Deposits (2011)
  Table: Interbank Rates and Bond Yields
Bosnia Banking Sector Outlook
Banking Sector: Potential Funding Stresses Ahead
Economic Outlook
  Table: Bosnia-Herzegovina – Economic Activity
Competitive Landscape
Market Structure
  Table: Protagonists In Bosnia & Herzegovina’s Commercial Banking Sector
Definition Of The Commercial Banking Universe
List Of Banks
  Table: Banks In The Federation Of Bosnia & Herzegovina
  Table: Banks In Republika Srpska
Company Profiles
HAA Bank
  Table: Key Statistics For HAA Bank, 2006-2008 (BAMmn)
Raiffeisen Bank dd Bosnia i Hercegovina
  Table: Bosnia-Herzegovina Stock Market Indicators
  Table: Bosnia-Herzegovina Balance Sheet (LCYmn)
  Table: Bosnia-Herzegovina Balance Sheet (US$mn)
  Table: Bosnia-Herzegovina Key Ratios (%)
UniCredit Bank dd Mostar
  Table: Bosnia-Herzegovina Stock Market Indicators
  Table: Bosnia-Herzegovina Balance Sheet (LCYmn)
  Table: Bosnia-Herzegovina Balance Sheet (US$mn)
  Table: Bosnia-Herzegovina Key Ratios (%)
Hypo Alpe Adria Bank dd Mostar
  Table: Stock Market Indicators
  Table: Balance Sheet (BAMmn, unless stated)
  Table: Balance Sheet (US$mn, unless stated)
  Table: Key Ratios (%)
Intesa Sanpaolo Banka dd Bosna i Hercegovina
  Table: Bosnia-Herzegovina Stock Market Indicators
  Table: Bosnia-Herzegovina Balance Sheet (LCYmn)
  Table: Bosnia-Herzegovina Balance Sheet (US$mn)
  Table: Bosnia-Herzegovina Key Ratios (%)
NLB Razvojna Banka
  Table: Stock Market Indicators
  Table: Balance Sheet (BAMmn, unless stated)
  Table: Balance Sheet (US$mn, unless stated)
  Table: Key Ratios (%)
Volksbank ad Banja Luka
  Table: Stock Market Indicators
  Table: Balance Sheet (BAMmn, unless stated)
  Table: Balance Sheet (US$mn, unless stated)
  Table: Key Ratios (%)
Hypo Alpe-Adria-Bank a.d. Banja Luka
NLB Razvojna Banka a.d. Banja Luka
Nova Banka AD Banja Luka
UniCredit Bank a.d. Banja Luka
  Table: Bosnia-Herzegovina Stock Market Indicators
  Table: Bosnia-Herzegovina Balance Sheet (LCYmn)
  Table: Bosnia-Herzegovina Balance Sheet (US$mn)
  Table: Bosnia-Herzegovina Key Ratios (%)
Banking Sector Methodology
Commercial Bank Business Environment Ratings
  Table: Commercial Banking Business Environment Indicators And Rationale
  Table: Weighting Of Indicators
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