CEC BANK SA financials
CEC BANK SA
Country: LU Reporting currency: RON Latest annual report: 2024-12-31
LEI:
2138008AVF4W7FMW8W87 Financial statements
(RON, as reported — unscaled; 116 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Operating expenses | RON 1.73B | RON 1.42B |
| Employee benefits expense | RON 611.8M | RON 547.2M |
| Depreciation & amortisation | RON 147.6M | RON 132.7M |
| Profit before tax | RON 822.6M | RON 616.6M |
| Income tax expense | RON 134.6M | RON 76.4M |
| Profit for the year | RON 687.9M | RON 540.1M |
| — attributable to owners | RON 687.9M | RON 540.1M |
| — attributable to NCI | RON 2.0K | RON 0 |
| Total comprehensive income | RON 601.9M | RON 958.6M |
| Cash flow statement | ||
| Net cash from operating activities | RON 7.65B | RON 16.83B |
| Income taxes paid | RON 66.1M | RON 120.6M |
| Net cash from investing activities | -RON 12.31B | -RON 13.86B |
| Purchase of PP&E (capex) | RON 256.8M | RON 175.1M |
| Net cash from financing activities | RON 592.3M | RON 1.20B |
| Repayments of borrowings | RON 78.6M | RON 99.2M |
| Lease liability payments | RON 35.9M | RON 32.8M |
| Balance sheet | ||
| Total assets | RON 99.33B | RON 83.61B |
| Property, plant & equipment | RON 903.0M | RON 786.4M |
| Right-of-use assets | RON 105.7M | RON 95.7M |
| Cash & equivalents | RON 10.47B | RON 11.97B |
| Total equity | RON 5.45B | RON 4.85B |
| — attributable to owners | RON 5.45B | RON 4.85B |
| Non-controlling interests | RON 4.0K | RON 2.0K |
| Deferred tax liabilities | RON 0 | RON 2.3M |
| Derived metrics | ||
| Free cash flow | RON 7.40B | RON 16.65B |
| Return on equity | 12.6% | 11.1% |
| Cash conversion ratio | 11.12× | 31.16× |
| Capex coverage | 29.80× | 96.09× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -RON 117.9M | -RON 65.2M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -RON 5.91B | -RON 2.67B |
| Adjustments For Decrease Increase In Other Assets | -RON 76.7M | -RON 2.9M |
| Adjustments For Depreciation and Amortisation Expense | RON 147.6M | RON 132.7M |
| Adjustments For Dividend Income | RON 10.9M | RON 1.7M |
| Adjustments For Fair Value Gains Losses | RON 1.1M | RON 3.5M |
| Adjustments For Gains Losses On Change In Fair Value of Derivatives | RON 15.8M | RON 11.2M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | RON 404.0M | RON 381.3M |
| Adjustments For Increase Decrease In Deposits From Banks | RON 1.40B | -RON 1.10B |
| Adjustments For Increase Decrease In Deposits From Customers | RON 12.63B | RON 19.87B |
| Adjustments For Increase Decrease In Other Liabilities | RON 116.2M | RON 170.3M |
| Adjustments For Interest Expense | RON 3.12B | RON 2.45B |
| Adjustments For Interest Income | RON 5.24B | RON 4.09B |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | RON 4.5M | RON 2.4M |
| Adjustments For Unrealised Foreign Exchange Losses Gains | RON 17.4M | RON 71.1M |
| Balances With Banks | RON 174.9M | RON 638.1M |
| Cash and Cash Equivalents If Different From Statement of Financial Position | RON 15.92B | RON 19.98B |
| Cash Flows From Used In Operations Before Changes In Working Capital | -RON 809.2M | -RON 609.7M |
| Cash On Hand | RON 1.11B | RON 919.3M |
| Comprehensive Income Attributable To Noncontrolling Interests | RON 2.0K | RON 0 |
| Comprehensive Income Attributable To Owners of Parent | RON 601.9M | RON 958.6M |
| Consideration Paid Received | RON 0 | -RON 33.7M |
| Current Tax Assets | RON 0 | RON 20.3M |
| Current Tax Liabilities | RON 53.0M | RON 0 |
| Debt Securities | RON 2.98B | RON 2.14B |
| Deferred Tax Assets | RON 19.3M | RON 0 |
| Deposits From Banks | RON 3.23B | RON 1.66B |
| Deposits From Customers | RON 85.36B | RON 72.74B |
| Derivative Financial Liabilities | RON 1.9M | RON 3.9M |
| Dividends Received Classified As Investing Activities | RON 10.9M | RON 1.7M |
| Equity and Liabilities | RON 99.33B | RON 83.61B |
| Fee and Commission Expense | RON 164.4M | RON 120.5M |
| Fee and Commission Income | RON 473.4M | RON 397.3M |
| Fee and Commission Income Expense | RON 309.0M | RON 276.8M |
| Financial Assets At Amortised Cost | RON 11.76B | RON 9.59B |
| Financial Assets At Fair Value Through Other Comprehensive Income | RON 32.46B | RON 20.78B |
| Financial Assets At Fair Value Through Profit Or Loss | RON 216.4M | RON 92.6M |
| Gain Recognised In Bargain Purchase Transaction | RON 0 | RON 22.6M |
| Gains Losses On Change In Fair Value of Derivatives | -RON 38.9M | -RON 57.9M |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | -RON 7.1M | RON 27.8M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | RON 1.4M | RON 3.4M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | -RON 135.7M | RON 427.3M |
| Increase Decrease In Cash and Cash Equivalents | -RON 4.06B | RON 4.18B |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | RON 0 | RON 0 |
| Increase Decrease Through Transfer To Statutory Reserve | RON 0 | RON 0 |
| Increase Decrease Through Transfers and Other Changes Equity | -RON 2.7M | — |
| Intangible Assets Other Than Goodwill | RON 225.5M | RON 138.1M |
| Interest Expense | RON 3.12B | RON 2.45B |
| Interest Paid Classified As Operating Activities | RON 2.83B | RON 1.79B |
| Interest Received Classified As Investing Activities | RON 926.2M | RON 605.2M |
| Interest Received Classified As Operating Activities | RON 3.41B | RON 3.05B |
| Interest Revenue Calculated Using Effective Interest Method | RON 5.24B | RON 4.09B |
| Interest Revenue Expense | RON 2.12B | RON 1.63B |
| Investment Property | RON 70.4M | RON 54.2M |
| Investments In Subsidiaries Joint Ventures and Associates | RON 0 | RON 0 |
| Issued Capital | RON 2.50B | RON 2.50B |
| Lease Liabilities | RON 108.0M | RON 98.7M |
| Liabilities | RON 93.88B | RON 78.76B |
| Loans and Advances To Banks | RON 5.48B | RON 8.34B |
| Loans and Advances To Customers | RON 37.23B | RON 31.62B |
| Loans Received | RON 100.5M | RON 179.1M |
| Miscellaneous Other Operating Expense | RON 521.2M | RON 350.1M |
| Miscellaneous Other Operating Income | RON 24.2M | RON 14.2M |
| Other Adjustments For Noncash Items | RON 4.9M | -RON 923.0K |
| Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow | RON 42.9M | RON 16.8M |
| Other Cash and Cash Equivalents | RON 517.2M | RON 438.5M |
| Other Cash Payments To Acquire Equity Or Debt Instruments of Other Entities Classified As Investing Activities | RON 2.54B | RON 4.65B |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | RON 430.7M | RON 2.6M |
| Other Comprehensive Income | -RON 86.0M | RON 418.5M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | RON 4.3M | RON 5.3M |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | RON 81.5M | RON 0 |
| Other Financial Assets | RON 155.9M | RON 86.7M |
| Other Financial Liabilities | RON 409.7M | RON 358.4M |
| Other Nonfinancial Assets | RON 31.3M | RON 29.7M |
| Other Nonfinancial Liabilities | RON 143.4M | RON 85.8M |
| Other Reserves | RON 365.0M | RON 325.1M |
| Proceeds From Issue of Bonds Notes and Debentures | RON 839.7M | RON 1.48B |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | RON 48.63B | RON 23.98B |
| Property Plant and Equipment Revaluation Surplus | RON 636.6M | RON 558.7M |
| Provisions | RON 59.4M | RON 49.7M |
| Purchase of Financial Instruments Classified As Investing Activities | RON 59.52B | RON 33.67B |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | RON 36.1M | RON 14.1M |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | -RON 388.6M | -RON 221.1M |
| Retained Earnings | RON 2.34B | RON 1.69B |
| Revenue and Operating Income | RON 2.56B | RON 2.04B |
| Shortterm Deposits Classified As Cash Equivalents | RON 5.28B | RON 7.37B |
| Subordinated Liabilities | RON 1.43B | RON 1.43B |
| Trading Income Expense | RON 106.0M | RON 97.4M |
Methodology
Every line item above is a fact tagged in CEC BANK SA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (RON), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.