By Helgi Library - September 17, 2018
AIK Banka made a net profit of RSD 12,080 mil under revenues of RSD 17,870 mil in 2017, up 178% and 97.8% respectively compared to th...
By Helgi Library - September 17, 2018
AIK Banka made a net profit of RSD 12,080 mil under revenues of RSD 17,870 mil in 2017, up 178% and 97.8% respectively compared to th...
By Helgi Library - September 17, 2018
AIK Banka's non-performing loans reached 17.4% of total loans at the end of 2017, down from 22.0% compared to the previous year. ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RSD mil | 5,331 | 7,157 | 6,812 |
| Net Fee Income | RSD mil | 650 | 896 | 1,013 |
| Other Income | RSD mil | 737 | 982 | 10,045 |
| Total Revenues | RSD mil | 6,718 | 9,035 | 17,870 |
| Staff Cost | RSD mil | 959 | 1,249 | 1,274 |
| Operating Profit | RSD mil | 4,157 | 5,001 | 13,466 |
| Provisions | RSD mil | 163 | 260 | -467 |
| Net Profit | RSD mil | 3,994 | 4,338 | 12,080 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RSD mil | 11,502 | 9,578 | 12,317 |
| Customer Loans | RSD mil | 86,776 | 89,327 | 114,301 |
| Total Assets | RSD mil | 179,079 | 183,736 | 209,360 |
| Shareholders' Equity | RSD mil | 52,385 | 52,936 | 61,162 |
| Interbank Borrowing | RSD mil | 5,419 | 850 | 2,820 |
| Customer Deposits | RSD mil | 119,853 | 128,398 | 143,179 |
| Issued Debt Securities | RSD mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 7.57 | 8.24 | 21.2 |
| ROA | % | 2.27 | 2.39 | 6.15 |
| Costs (As % Of Assets) | % | 1.45 | 2.22 | 2.24 |
| Costs (As % Of Income) | % | 38.1 | 44.6 | 24.6 |
| Capital Adequacy Ratio | % | 32.8 | 26.2 | 33.3 |
| Net Interest Margin | % | 3.03 | 3.95 | 3.47 |
| Loans (As % Of Deposits) | % | 72.4 | 69.6 | 79.8 |
| NPLs (As % Of Loans) | % | 28.4 | 22.0 | 17.4 |
| Provisions (As % Of NPLs) | % | 77.7 | 78.2 | 49.4 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -20.2 | 34.5 | 97.8 |
| Operating Cost Growth | % | -25.1 | 57.5 | 9.18 |
| Operating Profit Growth | % | -16.9 | 20.3 | 169 |
| Net Profit Growth | % | 120 | 8.63 | 178 |
| Customer Loan Growth | % | 16.1 | 2.94 | 28.0 |
| Total Asset Growth | % | 3.33 | 2.60 | 13.9 |
| Customer Deposit Growth | % | 7.16 | 7.13 | 11.5 |
| Shareholders' Equity Growth | % | -1.44 | 1.05 | 15.5 |
| Employees | 610 | 611 | 768 | |
Get all company financials in excel:
| summary | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Net Interest Income | RSD mil | 6,351 | 7,541 | 6,736 | 6,724 | 5,331 | ||||||||||
| Total Revenues | RSD mil | 7,427 | 6,388 | 7,797 | 8,419 | 6,718 | ||||||||||
| Operating Profit | RSD mil | ... | ... | ... | ... | ... | 4,959 | 3,682 | 4,868 | 5,001 | 4,157 | |||||
| Net Profit | RSD mil | 3,310 | 4,010 | 1,255 | 1,818 | 3,994 | ||||||||||
| balance sheet | ||||||||||||||||
| Interbank Loans | RSD mil | 36,357 | 28,144 | 22,128 | 12,400 | 11,502 | ||||||||||
| Customer Loans | RSD mil | 66,619 | 68,203 | 66,198 | 74,739 | 86,776 | ||||||||||
| Debt Securities | RSD mil | 13,562 | 27,683 | 32,795 | 42,179 | 44,825 | ||||||||||
| Total Assets | RSD mil | 143,194 | 154,352 | 152,402 | 173,301 | 179,079 | ||||||||||
| Shareholders' Equity | RSD mil | 46,830 | 50,262 | 51,494 | 53,152 | 52,385 | ||||||||||
| Interbank Borrowing | RSD mil | 5,341 | 6,814 | 8,887 | 6,700 | 5,419 | ||||||||||
| Customer Deposits | RSD mil | 84,268 | 90,810 | 87,471 | 111,849 | 119,853 | ||||||||||
| Issued Debt Securities | RSD mil | 0 | 0 | 0 | 0 | 0 | ||||||||||
| ratios | ||||||||||||||||
| ROE | % | 7.27 | 8.26 | 2.47 | 3.47 | 7.57 | ||||||||||
| ROA | % | 2.32 | 2.70 | 0.818 | 1.12 | 2.27 | ||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 1.73 | 1.82 | 1.91 | 2.10 | 1.45 | |||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | 33.2 | 42.4 | 37.6 | 40.6 | 38.1 | |||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 34.7 | 38.1 | 36.5 | 32.8 | ||
| Net Interest Margin | % | 4.46 | 5.07 | 4.39 | 4.13 | 3.03 | ||||||||||
| Interest Income (As % Of Revenues) | % | 85.5 | 118 | 86.4 | 79.9 | 79.4 | ||||||||||
| Fee Income (As % Of Revenues) | % | 12.6 | 12.3 | 8.43 | 9.72 | 9.67 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 25.0 | 24.2 | 24.6 | 33.4 | 37.4 | |||||
| Equity (As % Of Assets) | % | 32.7 | 32.6 | 33.8 | 30.7 | 29.3 | ||||||||||
| Loans (As % Of Deposits) | % | 79.1 | 75.1 | 75.7 | 66.8 | 72.4 | ||||||||||
| Loans (As % Assets) | % | 46.5 | 44.2 | 43.4 | 43.1 | 48.5 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 30.5 | 28.3 | 33.7 | 34.4 | 28.4 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 51.6 | 50.6 | 69.9 | 77.7 | ||
| valuation | ||||||||||||||||
| Book Value Per Share Growth | % | ... | -4.37 | 18.7 | -10.7 | -0.174 | -20.7 |
| income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Interest Income | RSD mil | 12,655 | 12,839 | 11,824 | 10,404 | 7,573 | ||||||||||
| Interest Cost | RSD mil | 6,304 | 5,298 | 5,088 | 3,680 | 2,242 | ||||||||||
| Net Interest Income | RSD mil | 6,351 | 7,541 | 6,736 | 6,724 | 5,331 | ||||||||||
| Net Fee Income | RSD mil | 933 | 783 | 657 | 818 | 650 | ||||||||||
| Other Income | RSD mil | 143 | -1,935 | 404 | 877 | 737 | ||||||||||
| Total Revenues | RSD mil | 7,427 | 6,388 | 7,797 | 8,419 | 6,718 | ||||||||||
| Staff Cost | RSD mil | ... | ... | ... | ... | ... | 616 | 655 | 720 | 1,143 | 959 | |||||
| Depreciation | RSD mil | ... | ... | ... | ... | ... | 190 | 243 | 264 | 170 | 134 | |||||
| Other Cost | RSD mil | ... | ... | ... | ... | ... | 1,662 | 1,808 | 1,945 | 2,105 | 1,469 | |||||
| Operating Cost | RSD mil | ... | ... | ... | ... | ... | 2,468 | 2,706 | 2,929 | 3,418 | 2,562 | |||||
| Operating Profit | RSD mil | ... | ... | ... | ... | ... | 4,959 | 3,682 | 4,868 | 5,001 | 4,157 | |||||
| Provisions | RSD mil | ... | ... | ... | ... | ... | 2,629 | 3,455 | 4,036 | 3,115 | 163 | |||||
| Extra and Other Cost | RSD mil | ... | ... | ... | ... | ... | -979 | -3,783 | -422 | 0 | 0 | |||||
| Pre-Tax Profit | RSD mil | 3,310 | 4,010 | 1,255 | 1,887 | 3,994 | ||||||||||
| Tax | RSD mil | 0 | 0 | 0 | 11.4 | 0 | ||||||||||
| Minorities | RSD mil | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Net Profit | RSD mil | 3,310 | 4,010 | 1,255 | 1,818 | 3,994 | ||||||||||
| growth rates | ||||||||||||||||
| Net Interest Income Growth | % | ... | -4.37 | 18.7 | -10.7 | -0.174 | -20.7 | |||||||||
| Net Fee Income Growth | % | ... | 27.5 | -16.1 | -16.1 | 24.5 | -20.6 | |||||||||
| Total Revenue Growth | % | ... | 8.90 | -14.0 | 22.1 | 7.98 | -20.2 | |||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | 1.23 | 9.65 | 8.23 | 16.7 | -25.1 | ||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | 13.2 | -25.8 | 32.2 | 2.73 | -16.9 | ||||
| Pre-Tax Profit Growth | % | ... | -46.6 | 21.2 | -68.7 | 50.4 | 112 | |||||||||
| Net Profit Growth | % | ... | -46.6 | 21.2 | -68.7 | 44.9 | 120 | |||||||||
| market share | ||||||||||||||||
| Market Share in Revenues | % | 4.51 | 3.78 | 4.79 | 4.82 | 3.66 | ||||||||||
| Market Share in Net Profit | % | ... | ... | 265 | 34.4 | ... | 79.9 | 53.6 | ||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | 1.76 | 1.78 | 2.10 | 2.53 | 2.51 | |||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.02 | 3.13 | 3.18 |
| balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||
| Cash | RSD mil | 7,764 | 11,921 | 11,675 | 27,321 | 19,080 | ||||||||||
| Interbank Loans | RSD mil | 36,357 | 28,144 | 22,128 | 12,400 | 11,502 | ||||||||||
| Customer Loans | RSD mil | 66,619 | 68,203 | 66,198 | 74,739 | 86,776 | ||||||||||
| Retail Loans | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15,491 | 16,191 | ||
| Mortgage Loans | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,752 | 5,165 | ||
| Consumer Loans | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,738 | 11,026 | ||
| Corporate Loans | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 59,248 | 70,585 | ||
| Debt Securities | RSD mil | 13,562 | 27,683 | 32,795 | 42,179 | 44,825 | ||||||||||
| Fixed Assets | RSD mil | 848 | 867 | 929 | 1,151 | 1,178 | ||||||||||
| Total Assets | RSD mil | 143,194 | 154,352 | 152,402 | 173,301 | 179,079 | ||||||||||
| Shareholders' Equity | RSD mil | 46,830 | 50,262 | 51,494 | 53,152 | 52,385 | ||||||||||
| Of Which Minority Interest | RSD mil | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Liabilities | RSD mil | 96,363 | 104,090 | 100,908 | 120,149 | 126,694 | ||||||||||
| Interbank Borrowing | RSD mil | 5,341 | 6,814 | 8,887 | 6,700 | 5,419 | ||||||||||
| Customer Deposits | RSD mil | 84,268 | 90,810 | 87,471 | 111,849 | 119,853 | ||||||||||
| Retail Deposits | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 69,887 | 76,877 | 76,141 | ||
| Corporate Deposits | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17,583 | 34,972 | 43,713 | ||
| Issued Debt Securities | RSD mil | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Other Liabilities | RSD mil | 6,754 | 6,466 | 4,550 | 1,600 | 1,422 | ||||||||||
| asset quality | ||||||||||||||||
| Non-Performing Loans | RSD mil | ... | ... | ... | ... | ... | ... | 23,989 | 24,620 | 30,899 | 33,887 | 32,884 | ||||
| Gross Loans | RSD mil | ... | ... | ... | ... | ... | ... | 78,575 | 86,997 | 91,797 | 98,566 | 115,870 | ||||
| Total Provisions | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12,692 | 15,649 | 23,683 | 25,551 | ||
| growth rates | ||||||||||||||||
| Customer Loan Growth | % | ... | -31.1 | 2.38 | -2.94 | 12.9 | 16.1 | |||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.52 | ||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.68 | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.68 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.1 | ||
| Total Asset Growth | % | ... | 1.14 | 7.79 | -1.26 | 13.7 | 3.33 | |||||||||
| Shareholders' Equity Growth | % | ... | 6.03 | 7.33 | 2.45 | 3.22 | -1.44 | |||||||||
| Customer Deposit Growth | % | ... | -2.77 | 7.76 | -3.68 | 27.9 | 7.16 | |||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.0 | -0.958 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 98.9 | 25.0 | ||
| market share | ||||||||||||||||
| Market Share in Customer Loans | % | 3.35 | 3.03 | 3.00 | 3.14 | 3.44 | ||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.10 | 7.11 | ||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.77 | 2.67 | ||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.14 | 2.13 | ||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.41 | 1.49 | ||
| Market Share in Total Assets | % | 4.93 | 4.89 | 4.84 | 5.24 | 5.23 | ||||||||||
| Market Share in Customer Deposits | % | 6.08 | 5.93 | 5.49 | 6.51 | 6.55 | ||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.83 | 7.02 | 6.73 | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.10 | 6.99 | 7.58 |
| ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||
| ROE | % | 7.27 | 8.26 | 2.47 | 3.47 | 7.57 | ||||||||||
| ROA | % | 2.32 | 2.70 | 0.818 | 1.12 | 2.27 | ||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 1.73 | 1.82 | 1.91 | 2.10 | 1.45 | |||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | 33.2 | 42.4 | 37.6 | 40.6 | 38.1 | |||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 34.7 | 38.1 | 36.5 | 32.8 | ||
| Net Interest Margin | % | 4.46 | 5.07 | 4.39 | 4.13 | 3.03 | ||||||||||
| Interest Spread | % | ... | 2.38 | 3.34 | 2.75 | 3.06 | 2.48 | |||||||||
| Asset Yield | % | 8.89 | 8.63 | 7.71 | 6.39 | 4.30 | ||||||||||
| Cost Of Liabilities | % | ... | 6.51 | 5.29 | 4.96 | 3.33 | 1.82 | |||||||||
| Interest Income (As % Of Revenues) | % | 85.5 | 118 | 86.4 | 79.9 | 79.4 | ||||||||||
| Fee Income (As % Of Revenues) | % | 12.6 | 12.3 | 8.43 | 9.72 | 9.67 | ||||||||||
| Other Income (As % Of Revenues) | % | 1.92 | -30.3 | 5.18 | 10.4 | 11.0 | ||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 1,362 | 1,229 | 1,273 | 1,638 | 1,240 | |||
| Cost Per Employee (Local Currency) | RSD per month | ... | ... | ... | ... | ... | ... | ... | 99,934 | 108,137 | 108,451 | 149,972 | 131,024 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 25.0 | 24.2 | 24.6 | 33.4 | 37.4 | |||||
| Equity (As % Of Assets) | % | 32.7 | 32.6 | 33.8 | 30.7 | 29.3 | ||||||||||
| Loans (As % Of Deposits) | % | 79.1 | 75.1 | 75.7 | 66.8 | 72.4 | ||||||||||
| Loans (As % Assets) | % | 46.5 | 44.2 | 43.4 | 43.1 | 48.5 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 30.5 | 28.3 | 33.7 | 34.4 | 28.4 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 51.6 | 50.6 | 69.9 | 77.7 | ||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.6 | 23.6 | 31.7 | 29.4 | ||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 3.22 | 5.12 | 6.01 | 4.42 | 0.202 |
Get all company financials in excel:
By Helgi Library - September 17, 2018
AIK Banka's non-performing loans reached 17.4% of total loans at the end of 2017, down from 22.0% compared to the previous year. Historically, the NPL ratio hit an all time high of 34.4% in 2014 and an all time low of 17.4% in 2017. Provision coverage amoun...
By Helgi Library - September 20, 2018
AIK Banka's customer loans reached RSD 114,301 mil in 2017, up 28.0% compared to the previous year. Serbian banking sector provided customer loans of RSD 2,702 bil in 2017, up 1.16% when compared to the last year. AIK Banka accounted for 4.23% of all cust...
By Helgi Library - September 20, 2018
AIK Banka's customer loans reached RSD 114,301 mil in 2017, up 28.0% compared to the previous year. Serbian banking sector provided customer loans of RSD 2,702 bil in 2017, up 1.16% when compared to the last year. AIK Banka accounted for 4.23% of all cust...
By Helgi Library - September 20, 2018
AIK Banka generated total banking revenues of RSD 17,870 mil in 2017, up 97.8% compared to the previous year. Serbian banking sector banking sector generated total revenues of RSD 197,856 mil in 2017, up 7.42% when compared to the last year. As ...
By Helgi Library - September 20, 2018
AIK Banka generated total banking revenues of RSD 17,870 mil in 2017, up 97.8% compared to the previous year. Serbian banking sector banking sector generated total revenues of RSD 197,856 mil in 2017, up 7.42% when compared to the last year. As ...
By Helgi Library - September 17, 2018
AIK Banka employed 768 persons in 2017, up 25.7% when compared to the previous year. Historically, the bank's workforce hit an all time high of 768 persons in 2017 and an all time low of 553 in 2013. Average cost reached USD 1,283 per month per employee, 14.0...
By Helgi Library - September 17, 2018
AIK Banka employed 768 persons in 2017, up 25.7% when compared to the previous year. Historically, the bank's workforce hit an all time high of 768 persons in 2017 and an all time low of 553 in 2013. Average cost reached USD 1,283 per month per employee, 14.0...
By Helgi Library - September 20, 2018
AIK Banka's customer deposits reached RSD 143,179 mil in 2017, up 11.5% compared to the previous year. Serbian banking sector accepted customer deposits of RSD 2,111 bil in 2017, up 3.62% when compared to the last year. AIK Banka accounted for 6.78% of al...
By Helgi Library - September 20, 2018
AIK Banka's customer deposits reached RSD 143,179 mil in 2017, up 11.5% compared to the previous year. Serbian banking sector accepted customer deposits of RSD 2,111 bil in 2017, up 3.62% when compared to the last year. AIK Banka accounted for 6.78% of al...
By Helgi Library - September 17, 2018
AIK Banka's net interest margin amounted to 3.47% in 2017, down from 3.95% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 11.5% in 2004 and an all time low of 3.03% in 2015. The average margin in ...
AIK Banka has been growing its revenues and asset by 22.8% and 6.29% a year on average in the last 5 years. Its loans and deposits have grown by 10.9% and 9.53% a year during that time and loans to deposits ratio reached 79.8% at the end of 2017. The company achieved an average return on equity of 8.58% in the last five years with net profit growing 24.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 24.6% in 2017, compared to 37.1% average in the last five years.
Equity represented 29.2% of total assets or 53.5% of loans at the end of 2017. AIK Banka's non-performing loans were 17.4% of total loans while provisions covered some 49.4% of NPLs at the end of 2017.
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