The banks in Southeast Europe (SEE) put up a solid performance in 2018, operating in...
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Top 100
Annual ranking of the biggest companies in Southeast Europe
The first special edition
of TOP100SEE is here
An in-depth look at the region's banking sector,
published by SeeNews
The numbers
0
bln euro
Combined assets of SEE TOP 100 banks
0
bln euro
Combined profit of the top 100 lenders in SEE TOP 100 banks
0
%
Annual increase in the combined profit of SEE TOP 100 Banks
0
New entrants among SEE TOP 100 banks
Methodology
SEE TOP 100 Banks is a ranking of the largest banks in Southeast Europe in terms of total assets from non-consolidated balance sheets as of December 31, 2018.
To allow comparison, all local currencies have been converted into euro, using the central banks’ official exchange rates on the last working day of 2018 and 2017, respectively. The figures of Romanian OTP Bank Romania SA are converted into euro from Hungarian forints according to the exchange rate of European Central Bank as of December 31, 2018.
Local currency figures have been used when calculating year-on-year changes.
All data is sourced from central banks, national commercial registers, financial supervision commissions, bank associations, government and corporate websites, and companies themselves. Data for Alpha Bank Romania SA, OTP Bank Romania SA, Credit Europe Bank (Romania) SA and ProCredit Bank SA are provided by Romanian consultancy company Keysfin SRL.
The initial pool exceeds 190 banks registered in Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Kosovo, Moldova, Montenegro, North Macedonia, Romania, Serbia and Slovenia and published annual financial reports up to May 20, 2019. By this date, 12 of banks have not published figures for 2018 and 15 banks provided only some basic data, due to this they are not included in sub-rankings.
Cost to income ratio (CIR) ranking is a ranking of the top 10 banks with the best performing ratio, calculated as cost except depreciation and impairment of financial assets divided by gross revenue.
ROE ranking presents the top 10 banks with the highest proportion between the net financial result and total equity. In this sub-ranking we excluded three banks with a negative total equity – BNP Paribas S.A. – Sofia branch, ING Bank N.V. – Sofia branch and Invest Banka Montenegro A.D.
ROA ranking is a ranking of the top 10 banks with the largest ratio between the net financial result and the bank’s total assets.
Rankings
Top 100 banks list
1 - 10
11 - 20
21 - 30
31 - 40
41 - 50
51 - 60
61 - 70
71 - 80
81 - 90
91 - 100
1 - 10
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 1 | 3 |
Banca Transilvania SA |
Romania | 15 892 | 5.72% | 122.4 | 195.1 |
| 2 | 2 |
Zagrebacka Banka d.d. |
Croatia | 15 267 | 10.82% | 250.4 | 111.7 |
| 3 | 1 |
Banca Comerciala Romana SA |
Romania | 14 561 | 0.26% | 208.1 | 122.4 |
| 4 | 4 |
BRD – Groupe Societe Generale SA |
Romania | 11 597 | 1.12% | 331.5 | 296.2 |
| 5 | 5 |
Privredna Banka Zagreb d.d. |
Croatia | 11 175 | 9.80% | 186.0 | 192.1 |
| 6 | 6 |
UniCredit Bulbank AD |
Bulgaria | 9 926 | 1.66% | 219.9 | 152.2 |
| 7 | 8 |
UniCredit Bank SA |
Romania | 8 908 | 10.68% | 118.1 | 69.8 |
| 8 | 7 |
Nova Ljubljanska Banka d.d. |
Slovenia | 8 811 | 1.13% | 165.3 | 189.1 |
| 9 | 9 |
Raiffeisen Bank SA |
Romania | 8 587 | 10.99% | 188.9 | 105.4 |
| 10 | 10 |
Erste&Steiermarkische Bank d.d. |
Croatia | 8 282 | 7.39% | 111.9 | 86.4 |
11 - 20
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 11 | 13 |
DSK Bank EAD |
Bulgaria | 7 390 | 19.01% | 116.0 | 134.0 |
| 12 | 19 |
United Bulgarian Bank AD |
Bulgaria | 5 762 | 53.17% | 88.6 | -26.1 |
| 13 | 34 |
OTP Banka Hrvatska d.d. |
Croatia | 5 667 | 114.46% | 22.4 | 6.9 |
| 14 | 14 |
Nova KBM d.d. |
Slovenia | 4 978 | 1.30% | 75.5 | 45.8 |
| 15 | 16 |
Banca Intesa AD |
Serbia | 4 846 | 1.10% | 107.0 | 100.3 |
| 16 | 16 |
First Investment Bank AD |
Bulgaria | 4 761 | 7.74% | 80.1 | 43.7 |
| 17 | 17 |
Raiffeisenbank Austria d.d. |
Croatia | 4 399 | 3.98% | 29.5 | 52.7 |
| 18 | 18 |
Eurobank Bulgaria AD |
Bulgaria | 4 196 | 10.60% | 85.4 | 69.7 |
| 19 | 21 |
Raiffeisenbank (Bulgaria) EAD |
Bulgaria | 3 977 | 11.12% | 67.6 | 68.8 |
| 20 | 20 |
Abanka d.d. |
Slovenia | 3 729 | 1.99% | 66.7 | 42.6 |
21 - 30
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 21 | 26 |
Unicredit Bank Srbija AD |
Serbia | 3 712 | 20.58% | 78.3 | 56.2 |
| 22 | 23 |
Alpha Bank Romania SA* |
Romania | 3 636 | -76.75% | 24.2 | 46.1 |
| 23 | 27 |
Banka Kombetare Tregtare Sh.a. (National Commercial Bank) |
Albania | 3 464 | 6.14% | 60.2 | 52.8 |
| 24 | 48 |
Komercijalna Banka AD |
Serbia | 3 404 | 8.66% | 69.1 | 68.7 |
| 25 | 24 |
Expressbank AD (former Societe Generale Expressbank AD) |
Bulgaria | 3 287 | -0.28% | 56.2 | 54.6 |
| 26 | 28 |
SKB Banka d.d. |
Slovenia | 3 089 | 3.27% | 53.7 | 40.6 |
| 27 | 32 |
UniCredit Bank d.d. Mostar |
Bosnia and Herzegovina | 3 043 | 13.75% | 49.7 | 45.8 |
| 28 | 30 |
Central Cooperative Bank AD |
Bulgaria | 2 871 | 3.74% | 16.9 | 18.8 |
| 29 | 33 |
Hrvatska Postanska Banka d.d. |
Croatia | 2 863 | 7.36% | 20.5 | 1.1 |
| 30 | 36 |
Societe Generale Bank Srbija AD |
Serbia | 2 687 | 9.95% | 78.6 | 51.1 |
31 - 40
Serbia
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 31 | 31 |
UniCredit Banka Slovenija d.d. |
Slovenia | 2 656 | -1.86% | 20.6 | 38.3 |
| 32 | 37 |
Banka Intesa Sanpaolo d.d. |
Slovenia | 2 596 | 8.27% | 10.7/td> | 4.2 |
| 33 | 29 |
Addiko Bank d.d. |
Croatia | 2 478 | -13.30% | 23.0 | 30.6 |
| 34 | 39 |
Raiffeisen Banka AD |
Serbia | 2 477 | 10.32% | 56.2 | 56.1 |
| 35 | 42 |
OTP Bank Romania SA** |
Romania | 2 405 | 23.70% | 12.0 | 9.8 |
| 36 | 35 |
SID – Slovenska Izvozna in Razvojna Banka d.d. |
Slovenia | 2 319 | -5.42% | 14.3 | 14.0 |
| 37 | 41 |
Raiffeisen Bank d.d. Sarajevo |
Bosnia and Herzegovina | 2 248 | 6.27% | 43.2 | 37.1 |
| 38 | 40 |
Garanti Bank SA |
Romania | 2 199 | 2.70% | 24.0 | 27.8 |
| 39 | 63 |
Banka Postanska Stedionica AD |
Serbia | 1 867 | 56.48% | 18.9 | 32.8 |
| 40 | 25 |
Komercijalna Banka AD |
North Macedonia | 1 860 | 9.09% | 29.0 | 13.3 |
41 - 50
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 41 | 44 |
Gorenjska Banka d.d. |
Slovenia | 1 832 | -2.16% | 17.1 | 6.5 |
| 42 | 43 |
Raiffeisen Bank Sh.a. |
Albania | 1 825 | -9.89% | 51.3 | 33.5 |
| 43 | 46 |
AIK Banka AD |
Serbia | 1 753 | -1.34% | 47.9 | 102.3 |
| 44 | 47 |
Sberbank Banka d.d. |
Slovenia | 1 748 | 0.40% | 8.2 | 3.0 |
| 45 | 54 |
Erste Bank AD |
Serbia | 1 722 | 25.33% | 24.8 | 22.3 |
| 46 | 50 |
Addiko Bank d.d. |
Slovenia | 1 618 | 5.23% | 37.2 | 19.0 |
| 47 | 55 |
Credins Bank Sh.a. |
Albania | 1 588 | 9.09% | 9.7 | 8.2 |
| 48 | 59 |
Bulgarian Development Bank AD |
Bulgaria | 1 546 | 22.31% | 19.8 | 10.3 |
| 49 | 62 |
Banca de Export-Import a Romaniei – Eximbank SA |
Romania | 1 544 | 29.64% | 24.3 | 3.2 |
| 50 | 52 |
Stopanska Banka AD – Skopje |
North Macedonia | 1 493 | 6.33% | 44.7 | 33.2 |
51 - 60
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 51 | 49 |
Piraeus Bank Bulgaria AD |
Bulgaria | 1 489 | -3.36% | 3.6 | 3.9 |
| 52 | 56 |
Banca Romaneasca SA |
Romania | 1 451 | 8.20% | 8.0 | 4.2 |
| 53 | 57 |
Eurobank AD |
Serbia | 1 438 | 6.97% | 19.3 | 18.9 |
| 54 | 58 |
Allianz Bank Bulgaria AD |
Bulgaria | 1 409 | 7.62% | 15.3 | 14.2 |
| 55 | 65 |
Intesa Sanpaolo Bank Albania Sh.a. |
Albania | 1 388 | -4.77% | 6.8 | 11.4 |
| 56 | 60 |
NLB Banka AD Skopje |
North Macedonia | 1 331 | 8.01% | 34.5 | 34.6 |
| 57 | 64 |
Sberbank d.d. |
Croatia | 1 300 | 8.39% | 11.3 | -18.1 |
| 58 | 61 |
Banka Sparkasse d.d. |
Slovenia | 1 223 | 0.72% | 8.5 | 9.2 |
| 59 | 67 |
Moldova Agroindbank SA |
Moldova | 1 211 | 6.49% | 27.2 | 22.3 |
| 60 | 72 |
Libra Internet Bank SA |
Romania | 1 170 | 18.39% | 20.5 | 12.8 |
61 - 70
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 61 | 68 |
Vojvodjanska Banka AD |
Serbia | 1 134 | 8.89% | 5.1 | -17.8 |
| 62 | 70 |
ProCredit Bank Bulgaria AD |
Bulgaria | 1 107 | 10.23% | 19.4 | 16.4 |
| 63 | 71 |
Investbank AD |
Bulgaria | 1 084 | 8.54% | 11.8 | -15.0 |
| 64 | 75 |
Intesa Sanpaolo Banka d.d. |
Bosnia and Herzegovina | 1 054 | 10.38% | 18.6 | 12.7 |
| 65 | 73 |
Sberbank Srbija AD |
Serbia | 1 032 | 4.85% | 11.1 | 6.8 |
| 66 | 66 |
Nova Banka a.d. Banja Luka |
Bosnia and Herzegovina | 998.0 | 3.83% | 5.5 | 5.0 |
| 67 | 76 |
Dezelna Banka Slovenije d.d. |
Slovenia | 990.8 | 6.42% | 5.4 | 3.8 |
| 68 | 81 |
Municipal Bank AD |
Bulgaria | 967.8 | 25.58% | 3.5 | 0.016 |
| 69 | 78 |
ProCredit Bank AD |
Serbia | 942.4 | 14.87% | 8.5 | 10.1 |
| 70 | 69 |
Credit Europe Bank (Romania) SA** |
Romania | 922.0 | -8.16% | 11.4 | 9.9 |
71 - 80
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 71 | New |
Raiffeisen Bank Kosovo Sh.a. |
Kosovo | 888.9 | -1.33%/td> | 20.5 | 17.6 |
| 72 | 82 |
UniCredit Banka a.d. Banja Luka |
Bosnia and Herzegovina | 849.9 | 12.26% | 14.2 | 13.2 |
| 73 | 79 |
Addiko Bank AD Beograd |
Serbia | 849.6 | 6.38% | 11.1 | 10.3 |
| 74 | 83 |
Moldindconbank SA |
Moldova | 844.4 | 8.78% | 25.6 | 17.8 |
| 75 | 84 |
Credit Agricole Banka Srbija AD |
Serbia | 840.0 | 13.86% | 6.4 | 2.9 |
| 76 | 88 |
Halk Banka AD Skopje |
North Macedonia | 766.6 | 11.74% | 10.7 | 8.8 |
| 77 | New |
ProCredit Bank Sh.a. |
Kosovo | 754.0 | -5.15% | 17.4 | 18.5 |
| 78 | 87 |
Sparkasse Bank d.d. Sarajevo |
Bosnia and Herzegovina | 750.0 | 9.20% | 10.0 | 10.1 |
| 79 | 94 |
OTP Banka Srbija AD |
Serbia | 743.4 | 19.58% | 2.4 | -3.9 |
| 80 | 80 |
Patria Bank SA |
Romania | 740.5 | -5.26% | -0.057 | -9.1 |
81 - 90
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 81 | 86 |
International Asset Bank AD |
Bulgaria | 735.7 | 4.87% | 5.3 | 3.1 |
| 82 | 89 |
Sberbank BH d.d. |
Bosnia and Herzegovina | 734.8 | 7.45% | N/A | 3.0 |
| 83 | 85 |
Victoriabank SA |
Moldova | 728.5 | -1.86% | 2.2 | 13.8 |
| 84 | 91 |
Bulgarian-American Credit Bank AD |
Bulgaria | 726.2 | 14.53% | 6.3 | 4.0 |
| 85 | 90 |
NLB Banka a.d. Banja Luka |
Bosnia and Herzegovina | 722.1 | 7.58% | 16.5 | 23.1 |
| 86 | 93 |
Crnogorska Komercijalna Banka A.D. |
Montenegro | 691.4 | 12.44% | 10.1 | 9.1 |
| 87 | New |
NLB Banka Sh.a. Prishtina |
Kosovo | 668.1 | 14.39% | 14.8 | 14.2 |
| 88 | 98 |
Ohridska Banka AD |
North Macedonia | 643.3 | 12.35% | 9.4 | 5.7 |
| 89 | 97 |
Alpha Bank Albania Sh.a. |
Albania | 627.0 | 0.84% | -5.6 | -6.2 |
| 90 | 128 |
American Bank of Investments Sh.a. |
Albania | 608.6 | 83.04% | 4.3 | 4.4 |
91 - 100
| 2018 | 2017 | Company name | Country | Total assets 2018 | Y/Y change in assets 2018 | Net profit/loss 2018 | Net profit/loss 2017 |
|---|---|---|---|---|---|---|---|
| 91 | 96 |
Tirana Bank Sh.a. |
Albania | 593.9 | -5.77% | -10.6 | 0.522 |
| 92 | 99 |
NLB Banka d.d. Sarajevo |
Bosnia and Herzegovina | 588.7 | 10.78% | 7.9 | 7.8 |
| 93 | 101 |
BC Mobiasbanca – Groupe Societe Generale SA |
Moldova | 562.7 | 8.61% | 15.1 | 13.6 |
| 94 | 105 |
Bosna Bank International d.d. Sarajevo |
Bosnia and Herzegovina | 560.3 | 19.72% | 5.0 | 4.4 |
| 95 | New |
TEB Sh.a. |
Kosovo | 555.9 | 13.79% | 15.2 | 16.6 |
| 96 | 104 |
Societe Generale Bank Montenegro A.D. |
Montenegro | 530.5 | 9.74% | 10.7 | 7.4 |
| 97 | 103 |
Erste Bank A.D. |
Montenegro | 520.3 | 6.06% | 10.2 | 7.9 |
| 98 | 100 |
ZiraatBank BH d.d. |
Bosnia and Herzegovina | 518.9 | -0.54% | -17.8 | 1.3 |
| 99 | 102 |
Hipotekarna Banka A.D |
Montenegro | 506.8 | 2.43% | 4.3 | 4.2 |
| 100 | 148 |
Direktna Banka AD |
Serbia | 504.9 | 121.44% | 52.3 | 16.1 |
(*) Profit/loss before taxes
(**) Consolidated figures for 2018
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