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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

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
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
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
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
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
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
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
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
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
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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