Banking Environment and Performance Survey


The second round of the EBRD Banking Environment and Performance Survey (BEPS) was conducted in 32 countries among a total of 611 banks.

The BEPS II Survey was jointly undertaken by the EBRD and the European Banking Center (EBC) at Tilburg University. As with BEPS I, a common questionnaire was administered to the bank’s CEO in a face-to-face interview.

The purpose of the BEPS II was to build on BEPS I and obtain data on the activities, funding and risk management of banks, their lending technologies, their competitive environment, the influence of foreign parent banks and senior management’s perceptions of legal and regulatory systems. Information was obtained for two points in time: 2007 and 2010. BEPS II also contains a more detailed follow-up survey which banks completed independently. This follow-up was completed by 337 banks.

Finally, as part of BEPS II a specialised team of consultants collected geographical coordinates of over 137,000 bank branches across EBRD’s countries of operations.

The results of the survey have now been summarised in short country-by-country snapshots that highlight the strengths and weaknesses of the banking environment in each individual country.



Albania Armenia Azerbaijan
Belarus Bosnia and Herzegovina Bulgaria
Croatia Czech Republic
Estonia FYR Macedonia Georgia
Hungary Jordan Kazakhstan
Kyrgyz Republic Latvia Lithuania
Moldova Montenegro Morocco
Poland Romania Russia
Serbia Slovak Republic Slovenia
Tajikistan Tunisia Turkey

Please note that the data is not publicly available due to confidentiality agreements with the participating banks. A special BEPS II Analytical Report will be available in early 2014.



The EBRD Banking Environment and Performance Survey (BEPS) was first conducted on a sample of banks in 20 countries (all transition countries except Armenia, Azerbaijan, Georgia, Kyrgyz Republic, Tajikistan, Turkmenistan and Uzbekistan) in summer 2005. A common questionnaire, translated into each local language, was presented to a senior bank officer in an interview and 220 banks responded to the questionnaire.

The BEPS data has been utilised for various analyses in past years, including the Transition Report 2006 and journal articles (see 'Related documents'). Please note that the underlying data is not publicly available due to confidentiality agreements with the participating banks.