"Bosnia-Herzegovina Commercial Banking Report Q1 2011" now available at Fast Market Research

Jan. 16, 2011 - PRLog -- Following rapid expansion during the global credit boom years, Bosnia & Herzegovina's banking sector is undergoing a period of significant adjustment as asset growth moves towards a lower trajectory. While  the slowdown will be significant, we do not expect a crisis. Strong capital ratios and a fairly benign loanto-  deposit ratio suggest that the risks to systemic stability are fairly limited.    Our view that Bosnia's banking sector would adjust towards a lower growth trajectory continues to play out. According to the most recent data from the Central Bank of Bosnia & Herzegovina (CBBH), total industry assets expanded by just 1.1% year-on-year (y-o-y) in May 2010, which although an improvement  from the 2.3% contraction in February, is nonetheless far below the 36.8% y-o-y growth rate recorded in mid-2007 when the global credit bubble peaked.    We believe the sharp slowdown in asset accumulation is due to a number of factors. First, despite ultraloose  monetary policy and fiscal stimulus across the world, credit availability is still tight, especially for  banks in riskier emerging markets such as Bosnia. As such, this has significantly reduced their ability to  finance new asset acquisitions. Second, given the still uncertain outlook for the domestic and global  economy, banks are cautious about significantly expanding operations in case there is a renewed  constriction in credit conditions, emanating from sovereign debt stresses in the eurozone in particular.  Third, given that loans to the private sector make up about two-thirds of banks' total assets, we believe  that weakening demand for new credit also underpins the subdued asset growth.    Our core scenario is for a lower level industry growth over the medium term and we forecast 11.1%  average annual growth for 2010-2014, compared to 22.6% over 2004-2008 (stripping out the impact of  the 2009 recession). While this certainly marks a significant shift in the business model of banks  operating in Bosnia, we believe that the risks to systemic stability are limited. We expect a slowdown in  growth, but not a crisis.

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Report Table of Contents:

Executive Summary
- Table: Levels (BAMbn)
- Table: Levels (US$bn)
- Table: Levels At September 2010
- Table: Annual Growth Rate Projections 2010-2014 (%)
- Table: Ranking Out Of 59 Countries Reviewed In 2010
- Table: Projected Levels (BAMbn)
- Table: Projected Levels (US$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 Ratings
- Table: Bosnia & Herzegovina's Commercial Banking Business Environment Rating
- Commercial Banking Business Environment Rating Methodology
- Table: Emerging Europe Commercial Banking Business Environment Ratings
Global Commercial Banking Outlook
Emerging Europe Banking Sector Outlook
- Table: Banks' Bond Portfolios
- Table: Emerging Europe Commercial Banking Business Environment Ratings
- Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios
- Table: Anticipated Developments In 2011
- Table: Comparison Of Total Assets, Client Loans And Client Deposits, 2009-2010 (US$bn)
- Table: Comparison Of Per Capita Deposits, 2010e (US$)
- Table: Interbank Rates And Bond Yields, 2009-2010
Bosnia & Herzegovina Banking Sector Outlook
Economic Outlook
- Table: Bosnia & Herzegovina Economic Activity, 2007-2015
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
- Nova Banka
- Table: Stock Market Indicators
- Table: Balance Sheet (BAMmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- HAA Bank
- Table: Key Statistics For HAA Bank, 2006-2008 (BAMmn)
- NLB Razvojna Banka
- Table: Stock Market Indicators
- Table: Balance Sheet (BAMmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Volksbank ad Banja Luka
- Table: Stock Market Indicators
- Table: Balance Sheet (BAMmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Hypo Alpe Adria Bank dd Mostar
- Table: Stock Market Indicators
- Table: Balance Sheet (BAMmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Intesa Sanpaolo Banka dd Bosna i Hercegovina
- Table: Key Statistics For Intesa Sanpaolo Banka dd Bosna i Hercegovina, 2004-2007 (BAMmn)
BMI Banking Sector Methodology
- Commercial Bank Business Environment Rating
- Table: Commercial Banking Business Environment Indicators And Rationale
- Table: Weighting Of Indicators

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Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.