cee banking sector report october 2004 trends in country overviews market players company updates 2 contents table of summary 3 introduction 4 definition sub regions 5 reform and ownership structure 7 concentration 9 financial intermediation the lending 10 deposits 14 poland 16 hungary 18 czech republic 20 slovakia 22 slovenia 24 estonia 26 latvia 28 lithuania 30 bulgaria 32 romania 34 croatia 36 bosnia herzegovina 38 serbia 40 albania 42 kosovo 43 russia 44 ukraine 46 belarus 48 49 ratio analysis 59 consolidation 63 valuation 66 baca 68 erste bank 72 bph 76 pekao 80 otp 84 komercni banka 88 brd 92 banca transilvania 96 key abbreviations 101 acknowledgements 102 disclaimer 103 contacts 104 central eastern europe has displayed a remarkable development during last 15 years transition nevertheless even some most advanced countries restructuring subsequent privatisation process was completed only recently or is still ongoing vast majority banks operating eight
