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February 11, 2025
Profitability and NIMs of the sector have started to improve in 4Q24, which will continue with the rate-cutting cycle of the CBRT. The monetary stance remains to be supported with the macro-prudential measures. We expect the ROE of deposit banks to barely improve to 30% by end 2025 from 28.4% at the end of 2024.
December 6, 2024
Profitability and NIMs of the banking sector stay under pressure due to high funding and RR costs and regulatory lending caps We expect the easing cycle of the CBRT to be a cautious combination of both rate cuts and easing over deposit and credit rules, helping the sector recover gradually 1Q25 onwards.
August 28, 2024
The slowdown in credit growth started to become more pronounced towards the end of 2Q24 with tight monetary policy and more restrictive macroprudential measures. TL and FC credit growth levels came below the regulatory thresholds.
May 29, 2024
Profitability of the sector is under pressure of high funding costs which continues to be partially offset by fees & commission income. Credit growth will be subdued due to regulationary caps in the very short term.
June 15, 2023
In the latest report on financial stability in the eurozone, the European Central Bank (ECB) analyzes the main vulnerabilities and risks, warns about the uncertainty in the macroeconomic and financial environment and its impact on the different economic agents.
December 1, 2014
The large volume of impairments which exceeds pre-provision income in several countries makes half of the banking sectors unprofitable in 2013 (Slovenian, Cypriot, Portuguese, Italian, Greek, Irish and Austrian). Some of these impairments are extraordinary and reflect the need of balance sheet repair ahead of the AQR. After several years since the beginning of the crisis, the high level of impairments continues to be the first drain on profitability. Therefore among the best performers we see banking sectors with low earnings generation capacity but which display low levels of impairments as result of their good asset quality. The most profitable banking sectors in 2013 are those from Luxembourg, France, Germany and the Netherlands (thanks to low impairments) as well as the Spanish, which combines a high level of pre-provision profitability with still high, but manageable, impairments.
