At market level loans rated as doubtful and loss accounted for18% of the total loans halfway through the year, but for the bankswith the biggest portfolios, the rise in the volume of overdueloans is less apparent.
Top ten banks by assets were affected differently by the rise inthe number of customers who stopped repaying loan instalments, withthe share of non-performing loans in the overall portfolio rangingwidely, between 6% and 22%, according to data published by creditinstitutions in mid-year.
However, all portfolios depreciated, without exception.
Among the top ten banks by assets managed, the bank with theweakest portfolio quality was Volksbank, with a 21.6% proportion ofnon-performing loans, ever since the end of March. The Austriansdid not publish data on the credit risk for the Romanian market inmid-year, but three months into the year they had 675 millioneuros' worth of non-performing loans, almost half the level ofnon-performing loans recorded in all other Central and EasternEuropean countries where the bank is present. Of the remainingtop-ranking banks, only ING and state-held CEC Bank have yet toannounce six-month results.
BCR, the largest bank on the Romanian market by assets, hadnon-performing loans accounting for 14.7% of its portfolio at theend of June, while Bancpost and UniCredit Ţiriac had a 12.9% and10.9% non-performance rate respectively. The banks faring best wereAlpha Bank, with a 5.7% proportion of non-performing loans, BRD,with 5.9%, and Banca Transilvania with nearly 6%.
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