By Helgi Library - September 21, 2018
Addiko Bank Slovenia's retail deposits reached EUR 395 mil in 2017, up 27.3% compared to the previous year. Slovenian banking s...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's retail deposits reached EUR 395 mil in 2017, up 27.3% compared to the previous year. Slovenian banking s...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's mortgage loans reached EUR 309 mil in 2017, down 14.5% compared to the previous year. Slovenian banking ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 25.2 | 24.9 | 33.7 |
| Net Fee Income | EUR mil | 8.55 | 8.22 | 9.36 |
| Other Income | EUR mil | -1.52 | -1.67 | -0.024 |
| Total Revenues | EUR mil | 32.2 | 31.4 | 43.1 |
| Staff Cost | EUR mil | 15.3 | 14.4 | 15.8 |
| Operating Profit | EUR mil | 4.31 | 6.79 | 16.4 |
| Provisions | EUR mil | 49.2 | -7.25 | -1.37 |
| Net Profit | EUR mil | -52.2 | 12.9 | 19.0 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 5.81 | 7.36 | 120 |
| Customer Loans | EUR mil | 1,006 | 980 | 1,064 |
| Total Assets | EUR mil | 1,344 | 1,414 | 1,538 |
| Shareholders' Equity | EUR mil | 92.3 | 122 | 141 |
| Interbank Borrowing | EUR mil | 330 | 223 | 249 |
| Customer Deposits | EUR mil | 791 | 975 | 1,095 |
| Issued Debt Securities | EUR mil | 104 | 75.3 | 31.7 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | -57.4 | 12.1 | 14.4 |
| ROA | % | -3.87 | 0.936 | 1.28 |
| Costs (As % Of Assets) | % | 2.07 | 1.79 | 1.81 |
| Costs (As % Of Income) | % | 86.6 | 78.4 | 61.9 |
| Capital Adequacy Ratio | % | 12.8 | 15.6 | 15.6 |
| Net Interest Margin | % | 1.87 | 1.80 | 2.29 |
| Loans (As % Of Deposits) | % | 127 | 100 | 97.2 |
| NPLs (As % Of Loans) | % | 8.69 | 8.86 | 6.40 |
| Provisions (As % Of NPLs) | % | 95.6 | 67.1 | 62.3 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -31.4 | -2.49 | 37.0 |
| Operating Cost Growth | % | -5.93 | -11.8 | 8.15 |
| Operating Profit Growth | % | -75.1 | 57.6 | 142 |
| Net Profit Growth | % | 29.3 | -125 | 46.9 |
| Customer Loan Growth | % | -8.63 | -2.62 | 8.61 |
| Total Asset Growth | % | -0.377 | 5.15 | 8.78 |
| Customer Deposit Growth | % | -4.10 | 23.3 | 12.3 |
| Shareholders' Equity Growth | % | 2.90 | 31.7 | 16.0 |
| Employees | 451 | 395 | 357 | |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||
| Net Interest Income | EUR mil | ... | 40.6 | 33.4 | 22.7 | 27.7 | 25.2 | ||||||
| Total Revenues | EUR mil | ... | 50.0 | 45.0 | 37.3 | 47.0 | 32.2 | ||||||
| Operating Profit | EUR mil | ... | 20.1 | 13.7 | 9.48 | 17.3 | 4.31 | ||||||
| Net Profit | EUR mil | ... | -26.9 | -11.4 | -95.7 | -40.4 | -52.2 | ||||||
| balance sheet | |||||||||||||
| Interbank Loans | EUR mil | ... | 20.1 | 38.8 | 0.001 | 4.03 | 5.81 | ||||||
| Customer Loans | EUR mil | ... | 1,750 | 1,644 | 1,247 | 1,101 | 1,006 | ||||||
| Debt Securities | EUR mil | ... | 137 | 145 | 141 | 134 | 178 | ||||||
| Total Assets | EUR mil | ... | 1,978 | 1,901 | 1,442 | 1,349 | 1,344 | ||||||
| Shareholders' Equity | EUR mil | ... | 160 | 153 | 126 | 89.7 | 92.3 | ||||||
| Interbank Borrowing | EUR mil | ... | 1,001 | 924 | 446 | 337 | 330 | ||||||
| Customer Deposits | EUR mil | ... | 714 | 728 | 743 | 825 | 791 | ||||||
| Issued Debt Securities | EUR mil | ... | 73.0 | 79.3 | 111 | 82.0 | 104 | ||||||
| ratios | |||||||||||||
| ROE | % | ... | -16.4 | -7.29 | -68.5 | -37.4 | -57.4 | ||||||
| ROA | % | ... | -1.29 | -0.589 | -5.72 | -2.89 | -3.87 | ||||||
| Costs (As % Of Assets) | % | ... | 1.44 | 1.61 | 1.66 | 2.13 | 2.07 | ||||||
| Costs (As % Of Income) | % | ... | 59.8 | 69.6 | 74.6 | 63.2 | 86.6 | ||||||
| Capital Adequacy Ratio | % | ... | 12.8 | 13.5 | 14.3 | 13.0 | 12.8 | ||||||
| Net Interest Margin | % | ... | 1.95 | 1.72 | 1.36 | 1.99 | 1.87 | ||||||
| Interest Income (As % Of Revenues) | % | ... | 81.1 | 74.2 | 60.9 | 59.0 | 78.2 | ||||||
| Fee Income (As % Of Revenues) | % | ... | 17.0 | 23.9 | 37.8 | 28.2 | 26.5 | ||||||
| Staff Cost (As % Of Total Cost) | % | ... | 50.6 | 48.6 | 49.6 | 48.6 | 54.7 | ||||||
| Equity (As % Of Assets) | % | ... | 8.10 | 8.05 | 8.76 | 6.65 | 6.86 | ||||||
| Loans (As % Of Deposits) | % | ... | 245 | 226 | 168 | 133 | 127 | ||||||
| Loans (As % Assets) | % | ... | 88.5 | 86.5 | 86.5 | 81.6 | 74.8 | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 2.97 | 3.79 | 3.69 | 7.87 | 8.69 | |||||
| Provisions (As % Of NPLs) | % | ... | ... | 92.6 | 96.3 | 94.2 | 95.2 | 95.6 | |||||
| valuation | |||||||||||||
| Book Value Per Share Growth | % | ... | ... | -19.8 | -17.7 | -32.0 | 22.1 | -9.05 |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||
| Interest Income | EUR mil | ... | 85.8 | 75.7 | 62.4 | 50.7 | 39.0 | ||||||
| Interest Cost | EUR mil | ... | 45.2 | 42.3 | 39.7 | 23.0 | 13.8 | ||||||
| Net Interest Income | EUR mil | ... | 40.6 | 33.4 | 22.7 | 27.7 | 25.2 | ||||||
| Net Fee Income | EUR mil | ... | 8.50 | 10.8 | 14.1 | 13.3 | 8.55 | ||||||
| Other Income | EUR mil | ... | 0.946 | 0.840 | 0.471 | 6.01 | -1.52 | ||||||
| Total Revenues | EUR mil | ... | 50.0 | 45.0 | 37.3 | 47.0 | 32.2 | ||||||
| Staff Cost | EUR mil | ... | 15.1 | 15.2 | 13.8 | 14.4 | 15.3 | ||||||
| Depreciation | EUR mil | ... | 2.42 | 2.32 | 2.24 | 2.27 | 2.26 | ||||||
| Other Cost | EUR mil | ... | 12.4 | 13.8 | 11.8 | 13.0 | 10.4 | ||||||
| Operating Cost | EUR mil | ... | 29.9 | 31.3 | 27.8 | 29.7 | 27.9 | ||||||
| Operating Profit | EUR mil | ... | 20.1 | 13.7 | 9.48 | 17.3 | 4.31 | ||||||
| Provisions | EUR mil | ... | 49.7 | 23.4 | 96.5 | 56.1 | 49.2 | ||||||
| Extra and Other Cost | EUR mil | ... | 4.22 | -0.015 | 2.68 | 0 | 3.33 | ||||||
| Pre-Tax Profit | EUR mil | ... | -33.8 | -9.66 | -89.7 | -38.8 | -48.2 | ||||||
| Tax | EUR mil | ... | -6.98 | 1.75 | 5.93 | 1.52 | 4.00 | ||||||
| Minorities | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | ||||||
| Net Profit | EUR mil | ... | -26.9 | -11.4 | -95.7 | -40.4 | -52.2 | ||||||
| growth rates | |||||||||||||
| Net Interest Income Growth | % | ... | ... | -19.8 | -17.7 | -32.0 | 22.1 | -9.05 | |||||
| Net Fee Income Growth | % | ... | ... | 5.47 | 26.5 | 31.0 | -5.88 | -35.5 | |||||
| Total Revenue Growth | % | ... | ... | -16.0 | -10.1 | -17.2 | 26.1 | -31.4 | |||||
| Operating Cost Growth | % | ... | ... | 27.1 | 4.62 | -11.2 | 6.89 | -5.93 | |||||
| Operating Profit Growth | % | ... | ... | -44.2 | -32.0 | -30.7 | 82.4 | -75.1 | |||||
| Pre-Tax Profit Growth | % | ... | ... | 4.44 | -71.4 | 829 | -56.7 | 24.1 | |||||
| Net Profit Growth | % | ... | ... | 2.18 | -57.5 | 738 | -57.8 | 29.3 | |||||
| market share | |||||||||||||
| Market Share in Revenues | % | ... | 3.46 | 2.87 | 3.42 | 3.82 | 2.78 | ||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | |||||
| Market Share in Employees | % | 3.94 | 4.11 | 4.34 | 4.50 | 4.32 | |||||||
| Market Share in Branches | % | ... | ... | 2.77 | 2.73 | 3.02 | 3.21 | 3.23 |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||
| Cash | EUR mil | ... | 39.8 | 47.6 | 35.1 | 90.5 | 92.9 | ||||||
| Interbank Loans | EUR mil | ... | 20.1 | 38.8 | 0.001 | 4.03 | 5.81 | ||||||
| Customer Loans | EUR mil | ... | 1,750 | 1,644 | 1,247 | 1,101 | 1,006 | ||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | 579 | 532 | 497 | 481 | ||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | 441 | 393 | 354 | 397 | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | 138 | 140 | 143 | 83.5 | ||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | ... | 1,168 | 779 | 769 | 525 | ||
| Debt Securities | EUR mil | ... | 137 | 145 | 141 | 134 | 178 | ||||||
| Fixed Assets | EUR mil | ... | 9.73 | 9.19 | 7.68 | 7.03 | 5.80 | ||||||
| Total Assets | EUR mil | ... | 1,978 | 1,901 | 1,442 | 1,349 | 1,344 | ||||||
| Shareholders' Equity | EUR mil | ... | 160 | 153 | 126 | 89.7 | 92.3 | ||||||
| Of Which Minority Interest | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | ||||||
| Liabilities | EUR mil | ... | 1,818 | 1,748 | 1,315 | 1,260 | 1,252 | ||||||
| Interbank Borrowing | EUR mil | ... | 1,001 | 924 | 446 | 337 | 330 | ||||||
| Customer Deposits | EUR mil | ... | 714 | 728 | 743 | 825 | 791 | ||||||
| Retail Deposits | EUR mil | ... | ... | ... | ... | ... | ... | 253 | 248 | 281 | 265 | ||
| Corporate Deposits | EUR mil | ... | ... | ... | ... | ... | ... | 475 | 495 | 544 | 526 | ||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Issued Debt Securities | EUR mil | ... | 73.0 | 79.3 | 111 | 82.0 | 104 | ||||||
| Other Liabilities | EUR mil | ... | 30.3 | 16.6 | 14.6 | 16.2 | 27.4 | ||||||
| asset quality | |||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | 53.5 | 64.7 | 47.7 | 93.7 | 95.3 | |||||
| Gross Loans | EUR mil | ... | 1,800 | 1,706 | 1,292 | 1,190 | 1,097 | ||||||
| Total Provisions | EUR mil | ... | 49.6 | 62.3 | 44.9 | 89.2 | 91.1 | ||||||
| growth rates | |||||||||||||
| Customer Loan Growth | % | ... | ... | -9.81 | -6.07 | -24.1 | -11.7 | -8.63 | |||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | -8.02 | -6.63 | -3.29 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | -10.9 | -9.97 | 12.3 | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 1.28 | 2.77 | -41.8 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | -33.3 | -1.31 | -31.7 | ||
| Total Asset Growth | % | ... | ... | -9.61 | -3.89 | -24.2 | -6.39 | -0.377 | |||||
| Shareholders' Equity Growth | % | ... | ... | -3.91 | -4.40 | -17.5 | -29.0 | 2.90 | |||||
| Customer Deposit Growth | % | ... | ... | 35.9 | 2.01 | 2.08 | 11.0 | -4.10 | |||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | -1.87 | 13.3 | -5.71 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 4.18 | 9.89 | -3.27 | ||
| market share | |||||||||||||
| Market Share in Customer Loans | % | ... | 5.28 | 5.31 | 5.12 | 5.11 | 4.96 | ||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | 7.11 | 6.77 | 8.38 | 6.41 | ||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | 3.84 | 4.42 | 4.82 | 2.88 | ||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | 6.54 | 6.29 | 5.97 | 5.70 | ||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | 8.39 | 7.40 | 6.61 | 7.19 | ||
| Market Share in Total Assets | % | ... | 4.02 | 4.12 | 3.57 | 3.49 | 3.60 | ||||||
| Market Share in Customer Deposits | % | ... | 2.90 | 3.05 | 3.30 | 3.38 | 3.15 | ||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | 1.71 | 1.73 | 1.86 | 1.70 | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | 12.9 | 11.8 | 11.6 | 11.3 |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||
| ROE | % | ... | -16.4 | -7.29 | -68.5 | -37.4 | -57.4 | ||||||
| ROA | % | ... | -1.29 | -0.589 | -5.72 | -2.89 | -3.87 | ||||||
| Costs (As % Of Assets) | % | ... | 1.44 | 1.61 | 1.66 | 2.13 | 2.07 | ||||||
| Costs (As % Of Income) | % | ... | 59.8 | 69.6 | 74.6 | 63.2 | 86.6 | ||||||
| Capital Adequacy Ratio | % | ... | 12.8 | 13.5 | 14.3 | 13.0 | 12.8 | ||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 9.55 | 10.4 | 9.31 | 10.7 | ||
| Net Interest Margin | % | ... | 1.95 | 1.72 | 1.36 | 1.99 | 1.87 | ||||||
| Interest Spread | % | ... | ... | 1.76 | 1.53 | 1.14 | 1.85 | 1.80 | |||||
| Asset Yield | % | ... | 4.12 | 3.90 | 3.73 | 3.63 | 2.90 | ||||||
| Cost Of Liabilities | % | ... | ... | 2.36 | 2.37 | 2.59 | 1.78 | 1.10 | |||||
| Interest Income (As % Of Revenues) | % | ... | 81.1 | 74.2 | 60.9 | 59.0 | 78.2 | ||||||
| Fee Income (As % Of Revenues) | % | ... | 17.0 | 23.9 | 37.8 | 28.2 | 26.5 | ||||||
| Other Income (As % Of Revenues) | % | ... | 1.89 | 1.87 | 1.26 | 12.8 | -4.72 | ||||||
| Cost Per Employee | USD per month | ... | 3,774 | 3,444 | 3,132 | 3,223 | 3,236 | ||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | 2,714 | 2,682 | 2,359 | 2,500 | 2,823 | ||||||
| Staff Cost (As % Of Total Cost) | % | ... | 50.6 | 48.6 | 49.6 | 48.6 | 54.7 | ||||||
| Equity (As % Of Assets) | % | ... | 8.10 | 8.05 | 8.76 | 6.65 | 6.86 | ||||||
| Loans (As % Of Deposits) | % | ... | 245 | 226 | 168 | 133 | 127 | ||||||
| Loans (As % Assets) | % | ... | 88.5 | 86.5 | 86.5 | 81.6 | 74.8 | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 2.97 | 3.79 | 3.69 | 7.87 | 8.69 | |||||
| Provisions (As % Of NPLs) | % | ... | ... | 92.6 | 96.3 | 94.2 | 95.2 | 95.6 | |||||
| Provisions (As % Of Loans) | % | ... | 2.83 | 3.79 | 3.60 | 8.10 | 9.05 | ||||||
| Cost of Provisions (As % Of Loans) | % | ... | 2.70 | 1.38 | 6.68 | 4.78 | 4.67 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||
| Branches | ... | ... | 19.0 | 19.0 | 19.0 | 19.0 | 19.0 | ||||||
| Employees | 465 | 473 | 487 | 481 | 451 | ||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Clients | mil | ... | ... | 0.061 | 0.066 | 0.064 | 0.070 | 0.070 | ... | ... | |||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's mortgage loans reached EUR 309 mil in 2017, down 14.5% compared to the previous year. Slovenian banking sector provided mortgage loans of EUR 5.98 bil in 2017, up 4.53% when compared to the last year. Addiko Bank Slovenia accounted ...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's consumer loans reached EUR 302 mil in 2017, up 60.9% compared to the previous year. Slovenian banking sector provided consumer loans of EUR 3.44 bil in 2017, up 11.0% when compared to the last year. Addiko Bank Slovenia accounted fo...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's consumer loans reached EUR 302 mil in 2017, up 60.9% compared to the previous year. Slovenian banking sector provided consumer loans of EUR 3.44 bil in 2017, up 11.0% when compared to the last year. Addiko Bank Slovenia accounted fo...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's customer deposits reached EUR 1,095 mil in 2017, up 12.3% compared to the previous year. Slovenian banking sector accepted customer deposits of EUR 27.5 bil in 2017, up 5.34% when compared to the last year. Addiko Bank Slovenia acco...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's customer deposits reached EUR 1,095 mil in 2017, up 12.3% compared to the previous year. Slovenian banking sector accepted customer deposits of EUR 27.5 bil in 2017, up 5.34% when compared to the last year. Addiko Bank Slovenia acco...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia made a net profit of EUR 19.0 mil in 2017, up 46.9% compared to the previous year. This implies a return on equity of 14.4%. Historically, the bank’s net profit reached an all time high of EUR 19.0 mil in 2017 and an all time low of EUR...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia made a net profit of EUR 19.0 mil in 2017, up 46.9% compared to the previous year. This implies a return on equity of 14.4%. Historically, the bank’s net profit reached an all time high of EUR 19.0 mil in 2017 and an all time low of EUR...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's net interest margin amounted to 2.29% in 2017, up from 1.80% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.29% in 2017 and an all time low of 1.36% in 2013. The average m...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's net interest margin amounted to 2.29% in 2017, up from 1.80% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.29% in 2017 and an all time low of 1.36% in 2013. The average m...
By Helgi Library - September 21, 2018
Addiko Bank Slovenia's customer loans reached EUR 1,064 mil in 2017, up 8.61% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. Addiko Bank Slovenia accounted ...
Addiko Bank Slovenia (formerly known as Hypo Alpe-Adria-Bank d.d). is a Slovenia-based subsidiary of the Austrian Banking Group with the same name. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 19 branches and employed nearly 500 persons in Slovenia.
Addiko Bank Slovenia has been growing its revenues and asset by 2.96% and -2.13% a year on average in the last 10 years. Its loans and deposits have grown by -3.47% and 11.8% a year during that time and loans to deposits ratio reached 97.2% at the end of 2017. The company achieved an average return on equity of -16.7% in the last decade with net profit growing 5.31% a year on average. In terms of operating efficiency, its cost to income ratio reached 61.9% in 2017, compared to 62.8% average in the last decade.
Equity represented 9.17% of total assets or 13.2% of loans at the end of 2017. Addiko Bank Slovenia's non-performing loans were 6.40% of total loans while provisions covered some 62.3% of NPLs at the end of 2017.
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