By Helgi Library - September 22, 2018
Bank Pocztowy made a net profit of PLN 5.09 mil under revenues of PLN 344 mil in 2017, up 103% and 3.39% respectively compared to the...
By Helgi Library - September 22, 2018
Bank Pocztowy made a net profit of PLN 5.09 mil under revenues of PLN 344 mil in 2017, up 103% and 3.39% respectively compared to the...
By Helgi Library - September 22, 2018
Bank Pocztowy's capital adequacy ratio reached 17.8% at the end of 2017, up from 14.4% compared to the previous year. Histori...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | PLN mil | 257 | 268 | 273 |
| Net Fee Income | PLN mil | 57.2 | 47.7 | 55.1 |
| Other Income | PLN mil | 11.1 | 17.3 | 16.0 |
| Total Revenues | PLN mil | 325 | 333 | 344 |
| Staff Cost | PLN mil | 95.3 | 102 | 104 |
| Operating Profit | PLN mil | 108 | 108 | 118 |
| Provisions | PLN mil | 65.2 | 100 | 105 |
| Net Profit | PLN mil | 33.9 | 2.51 | 5.09 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | PLN mil | 45.3 | 45.9 | 82.5 |
| Customer Loans | PLN mil | 5,313 | 5,154 | 4,776 |
| Total Assets | PLN mil | 7,213 | 6,937 | 7,461 |
| Shareholders' Equity | PLN mil | 542 | 523 | 634 |
| Interbank Borrowing | PLN mil | 34.4 | 21.9 | 18.4 |
| Customer Deposits | PLN mil | 5,742 | 5,763 | 6,109 |
| Issued Debt Securities | PLN mil | 504 | 356 | 356 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 6.91 | 0.471 | 0.879 |
| ROA | % | 0.454 | 0.035 | 0.071 |
| Costs (As % Of Assets) | % | 2.91 | 3.18 | 3.14 |
| Costs (As % Of Income) | % | 66.8 | 67.6 | 65.8 |
| Capital Adequacy Ratio | % | 14.4 | 14.4 | 17.8 |
| Net Interest Margin | % | 3.44 | 3.78 | 3.79 |
| Loans (As % Of Deposits) | % | 92.5 | 89.4 | 78.2 |
| NPLs (As % Of Loans) | % | 7.00 | 9.98 | 11.8 |
| Provisions (As % Of NPLs) | % | 59.2 | 58.2 | 63.9 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -2.94 | 2.35 | 3.39 |
| Operating Cost Growth | % | -0.728 | 3.63 | 0.663 |
| Operating Profit Growth | % | -7.09 | -0.212 | 9.09 |
| Net Profit Growth | % | -22.2 | -92.6 | 103 |
| Customer Loan Growth | % | 3.13 | -2.98 | -7.35 |
| Total Asset Growth | % | -6.56 | -3.83 | 7.55 |
| Customer Deposit Growth | % | -11.5 | 0.359 | 6.00 |
| Shareholders' Equity Growth | % | 23.4 | -3.51 | 21.1 |
| Employees | 1,618 | 1,546 | 1,493 | |
Get all company financials in excel:
| summary | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||
| Net Interest Income | PLN mil | ... | ... | 194 | 227 | 244 | 268 | 257 | ||
| Total Revenues | PLN mil | 260 | 292 | 298 | 335 | 325 | ||||
| Operating Profit | PLN mil | 50.4 | 73.8 | 85.6 | 116 | 108 | ||||
| Net Profit | PLN mil | 29.6 | 38.9 | 36.0 | 43.6 | 33.9 | ||||
| balance sheet | ||||||||||
| Interbank Loans | PLN mil | ... | ... | 29.2 | 29.8 | 36.3 | 158 | 45.3 | ||
| Customer Loans | PLN mil | 3,679 | 4,600 | 5,056 | 5,152 | 5,313 | ||||
| Debt Securities | PLN mil | ... | ... | 1,335 | 1,455 | 1,843 | 1,521 | 1,268 | ||
| Total Assets | PLN mil | 5,216 | 7,121 | 7,383 | 7,719 | 7,213 | ||||
| Shareholders' Equity | PLN mil | 321 | 361 | 392 | 440 | 542 | ||||
| Interbank Borrowing | PLN mil | ... | ... | 1.86 | 2.82 | 41.8 | 4.02 | 34.4 | ||
| Customer Deposits | PLN mil | 4,686 | 6,318 | 6,231 | 6,492 | 5,742 | ||||
| Issued Debt Securities | PLN mil | ... | ... | 92.2 | 349 | 574 | 458 | 504 | ||
| ratios | ||||||||||
| ROE | % | 9.59 | 11.4 | 9.57 | 10.5 | 6.91 | ||||
| ROA | % | 0.631 | 0.631 | 0.497 | 0.578 | 0.454 | ||||
| Costs (As % Of Assets) | % | 4.48 | 3.54 | 2.93 | 2.90 | 2.91 | ||||
| Costs (As % Of Income) | % | 80.6 | 74.7 | 71.3 | 65.3 | 66.8 | ||||
| Capital Adequacy Ratio | % | 13.9 | 14.0 | 12.9 | 13.4 | 14.4 | ||||
| Net Interest Margin | % | ... | ... | 4.13 | 3.69 | 3.36 | 3.55 | 3.44 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.4 | 77.8 | 81.7 | 80.1 | 79.0 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.4 | 14.8 | 13.9 | 17.8 | 17.6 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 46.3 | 43.4 | 45.5 | 43.9 | ||
| Equity (As % Of Assets) | % | 6.16 | 5.08 | 5.31 | 5.70 | 7.52 | ||||
| Loans (As % Of Deposits) | % | 78.5 | 72.8 | 81.1 | 79.4 | 92.5 | ||||
| Loans (As % Assets) | % | 70.5 | 64.6 | 68.5 | 66.7 | 73.7 | ||||
| NPLs (As % Of Loans) | % | 4.97 | 4.72 | 5.35 | 6.11 | 7.00 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 59.2 | ||
| valuation | ||||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | 9.73 | 9.73 | 10.0 | ||
| Earnings Per Share (EPS) | ... | ... | ... | ... | 3.70 | 4.49 | 3.39 | |||
| Book Value Per Share | ... | ... | ... | ... | 40.3 | 45.2 | 54.2 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | 21.1 | -24.4 | ||
| Book Value Per Share Growth | % | ... | ... | ... | 17.3 | 7.26 | 12.2 | 20.0 |
| income statement | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||
| Interest Income | PLN mil | ... | ... | 340 | 451 | 423 | 416 | 354 | ||
| Interest Cost | PLN mil | ... | ... | 146 | 224 | 180 | 148 | 97.1 | ||
| Net Interest Income | PLN mil | ... | ... | 194 | 227 | 244 | 268 | 257 | ||
| Net Fee Income | PLN mil | ... | ... | 55.7 | 43.1 | 41.6 | 59.7 | 57.2 | ||
| Other Income | PLN mil | ... | ... | 10.8 | 21.8 | 12.9 | 7.00 | 11.1 | ||
| Total Revenues | PLN mil | 260 | 292 | 298 | 335 | 325 | ||||
| Staff Cost | PLN mil | ... | ... | ... | 101 | 92.4 | 99.4 | 95.3 | ||
| Depreciation | PLN mil | ... | ... | ... | 21.0 | 21.9 | 20.8 | 18.2 | ||
| Other Cost | PLN mil | ... | ... | ... | 96.3 | 98.4 | 98.4 | 104 | ||
| Operating Cost | PLN mil | 210 | 218 | 213 | 219 | 217 | ||||
| Operating Profit | PLN mil | 50.4 | 73.8 | 85.6 | 116 | 108 | ||||
| Provisions | PLN mil | 12.9 | 25.1 | 42.4 | 61.0 | 65.2 | ||||
| Extra and Other Cost | PLN mil | -0.045 | 0.080 | -0.096 | 0.120 | 0 | ||||
| Pre-Tax Profit | PLN mil | 37.5 | 48.7 | 43.3 | 55.1 | 42.9 | ||||
| Tax | PLN mil | 7.98 | 9.72 | 7.23 | 11.5 | 8.95 | ||||
| Minorities | PLN mil | 0 | 0 | 0 | 0 | 0 | ||||
| Net Profit | PLN mil | 29.6 | 38.9 | 36.0 | 43.6 | 33.9 | ||||
| growth rates | ||||||||||
| Net Interest Income Growth | % | ... | ... | ... | 17.3 | 7.26 | 10.0 | -4.24 | ||
| Net Fee Income Growth | % | ... | ... | ... | -22.6 | -3.48 | 43.5 | -4.20 | ||
| Total Revenue Growth | % | ... | 17.6 | 12.3 | 2.09 | 12.3 | -2.94 | |||
| Operating Cost Growth | % | ... | 7.50 | 4.06 | -2.57 | 2.77 | -0.728 | |||
| Operating Profit Growth | % | ... | 94.0 | 46.6 | 15.9 | 35.9 | -7.09 | |||
| Pre-Tax Profit Growth | % | ... | 114 | 29.7 | -11.1 | 27.5 | -22.2 | |||
| Net Profit Growth | % | ... | 105 | 31.8 | -7.50 | 21.1 | -22.2 | |||
| market share | ||||||||||
| Market Share in Revenues | % | 0.455 | 0.499 | 0.538 | 0.581 | 0.583 | ||||
| Market Share in Net Profit | % | 0.190 | 0.252 | 0.237 | 0.275 | 0.303 | ||||
| Market Share in Employees | % | 0.847 | 0.898 | 0.975 | 0.946 | 0.947 | ||||
| Market Share in Bank Cards | % | ... | ... | 0.411 | 0.451 | 0.593 | 0.675 | 0.750 | ||
| Market Share in Debit Cards | % | ... | ... | ... | 0.516 | 0.669 | 0.767 | 0.847 | ||
| Market Share in Credit Cards | % | ... | ... | ... | 0.202 | 0.245 | 0.215 | 0.172 | ||
| Market Share in Branches | % | 1.10 | 1.50 | 1.91 | 2.08 | 1.99 |
| balance sheet | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||
| Cash | PLN mil | ... | ... | 74.0 | 935 | 327 | 758 | 427 | ||
| Interbank Loans | PLN mil | ... | ... | 29.2 | 29.8 | 36.3 | 158 | 45.3 | ||
| Customer Loans | PLN mil | 3,679 | 4,600 | 5,056 | 5,152 | 5,313 | ||||
| Retail Loans | PLN mil | 2,668 | 3,608 | 4,165 | 4,456 | 4,741 | ||||
| Mortgage Loans | PLN mil | 1,633 | 2,423 | 2,632 | 2,689 | 2,625 | ||||
| Consumer Loans | PLN mil | 1,035 | 1,185 | 1,533 | 1,766 | 2,116 | ||||
| Corporate Loans | PLN mil | 1,103 | 1,091 | 1,020 | 856 | 786 | ||||
| Debt Securities | PLN mil | ... | ... | 1,335 | 1,455 | 1,843 | 1,521 | 1,268 | ||
| Fixed Assets | PLN mil | ... | ... | 72.5 | 71.6 | 74.9 | 80.3 | 100 | ||
| Total Assets | PLN mil | 5,216 | 7,121 | 7,383 | 7,719 | 7,213 | ||||
| Shareholders' Equity | PLN mil | 321 | 361 | 392 | 440 | 542 | ||||
| Of Which Minority Interest | PLN mil | 0 | 0 | 0 | 0 | 0 | ||||
| Liabilities | PLN mil | 4,894 | 6,759 | 6,991 | 7,279 | 6,671 | ||||
| Interbank Borrowing | PLN mil | ... | ... | 1.86 | 2.82 | 41.8 | 4.02 | 34.4 | ||
| Customer Deposits | PLN mil | 4,686 | 6,318 | 6,231 | 6,492 | 5,742 | ||||
| Retail Deposits | PLN mil | 3,200 | 4,063 | 4,157 | 4,650 | 4,445 | ||||
| Corporate Deposits | PLN mil | 1,239 | 2,029 | 1,975 | 1,784 | 1,248 | ||||
| Sight Deposits | PLN mil | 875 | 1,010 | 1,188 | 1,391 | 1,761 | ||||
| Term Deposits | PLN mil | 3,810 | 5,308 | 5,043 | 5,101 | 3,982 | ||||
| Issued Debt Securities | PLN mil | ... | ... | 92.2 | 349 | 574 | 458 | 504 | ||
| Other Liabilities | PLN mil | ... | ... | 115 | 89.2 | 145 | 326 | 390 | ||
| asset quality | ||||||||||
| Non-Performing Loans | PLN mil | 187 | 222 | 277 | 325 | 388 | ||||
| Gross Loans | PLN mil | 3,759 | 4,696 | 5,181 | 5,326 | 5,542 | ||||
| Total Provisions | PLN mil | ... | ... | ... | ... | ... | ... | 230 | ||
| growth rates | ||||||||||
| Customer Loan Growth | % | ... | 47.8 | 25.0 | 9.92 | 1.90 | 3.13 | |||
| Retail Loan Growth | % | ... | 59.9 | 35.2 | 15.4 | 6.97 | 6.41 | |||
| Mortgage Loan Growth | % | ... | 99.0 | 48.4 | 8.62 | 2.17 | -2.39 | |||
| Consumer Loan Growth | % | ... | 22.0 | 14.5 | 29.4 | 15.2 | 19.8 | |||
| Corporate Loan Growth | % | ... | 20.4 | -1.07 | -6.54 | -16.1 | -8.23 | |||
| Total Asset Growth | % | ... | 25.5 | 36.5 | 3.68 | 4.55 | -6.56 | |||
| Shareholders' Equity Growth | % | ... | 8.96 | 12.5 | 8.38 | 12.2 | 23.4 | |||
| Customer Deposit Growth | % | ... | 24.6 | 34.8 | -1.38 | 4.20 | -11.5 | |||
| Retail Deposit Growth | % | ... | 61.0 | 27.0 | 2.32 | 11.9 | -4.42 | |||
| Corporate Deposit Growth | % | ... | -16.9 | 63.7 | -2.67 | -9.66 | -30.1 | |||
| market share | ||||||||||
| Market Share in Customer Loans | % | 0.405 | 0.493 | 0.521 | 0.495 | 0.477 | ||||
| Market Share in Corporate Loans | % | 0.417 | 0.401 | 0.367 | 0.285 | 0.241 | ||||
| Market Share in Retail Loans | % | 0.503 | 0.679 | 0.754 | 0.760 | 0.759 | ||||
| Market Share in Consumer Loans | % | 0.483 | 0.560 | 0.700 | 0.758 | 0.856 | ||||
| Market Share in Mortgage Loans | % | 0.514 | 0.757 | 0.788 | 0.761 | 0.694 | ||||
| Market Share in Total Assets | % | 0.413 | 0.541 | 0.538 | 0.516 | 0.461 | ||||
| Market Share in Customer Deposits | % | 0.520 | 0.683 | 0.640 | 0.624 | 0.517 | ||||
| Market Share in Retail Deposits | % | 0.725 | 0.848 | 0.821 | 0.834 | 0.727 | ||||
| Market Share in Corporate Deposits | % | ... | 0.487 | 0.840 | 0.744 | 0.612 | 0.388 |
| ratios | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||
| ROE | % | 9.59 | 11.4 | 9.57 | 10.5 | 6.91 | ||||
| ROA | % | 0.631 | 0.631 | 0.497 | 0.578 | 0.454 | ||||
| Costs (As % Of Assets) | % | 4.48 | 3.54 | 2.93 | 2.90 | 2.91 | ||||
| Costs (As % Of Income) | % | 80.6 | 74.7 | 71.3 | 65.3 | 66.8 | ||||
| Capital Adequacy Ratio | % | 13.9 | 14.0 | 12.9 | 13.4 | 14.4 | ||||
| Tier 1 Ratio | % | 10.6 | 9.93 | 9.68 | 10.1 | 11.4 | ||||
| Net Interest Margin | % | ... | ... | 4.13 | 3.69 | 3.36 | 3.55 | 3.44 | ||
| Interest Spread | % | ... | ... | 3.91 | 3.47 | 3.23 | 3.44 | 3.35 | ||
| Asset Yield | % | ... | ... | 7.25 | 7.31 | 5.84 | 5.51 | 4.74 | ||
| Cost Of Liabilities | % | ... | ... | 3.33 | 3.84 | 2.61 | 2.08 | 1.39 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.4 | 77.8 | 81.7 | 80.1 | 79.0 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.4 | 14.8 | 13.9 | 17.8 | 17.6 | ||
| Other Income (As % Of Revenues) | % | ... | ... | 4.15 | 7.46 | 4.32 | 2.09 | 3.40 | ||
| Cost Per Employee | USD per month | ... | ... | ... | 1,648 | 1,433 | 1,548 | 1,497 | ||
| Cost Per Employee (Local Currency) | PLN per month | ... | ... | ... | 5,364 | 4,528 | 5,072 | 4,907 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 46.3 | 43.4 | 45.5 | 43.9 | ||
| Equity (As % Of Assets) | % | 6.16 | 5.08 | 5.31 | 5.70 | 7.52 | ||||
| Loans (As % Of Deposits) | % | 78.5 | 72.8 | 81.1 | 79.4 | 92.5 | ||||
| Loans (As % Assets) | % | 70.5 | 64.6 | 68.5 | 66.7 | 73.7 | ||||
| NPLs (As % Of Loans) | % | 4.97 | 4.72 | 5.35 | 6.11 | 7.00 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 59.2 | ||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 4.32 | ||
| Cost of Provisions (As % Of Loans) | % | 0.418 | 0.606 | 0.878 | 1.20 | 1.25 |
| other data | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||
| Branches | 161 | 227 | 295 | 293 | 284 | |||||
| Employees | 1,496 | 1,571 | 1,700 | 1,633 | 1,618 | |||||
| Clients | mil | 1.07 | 1.30 | 1.42 | 1.43 | 1.48 | ||||
| Payment Cards | '000 | ... | ... | 130 | 150 | 204 | 241 | 257 | ||
| Debit Cards | '000 | ... | ... | ... | 137 | 189 | 228 | 247 | ||
| Credit Cards | '000 | ... | ... | ... | 13.0 | 15.0 | 13.0 | 10.0 | ||
| Sight (As % Of Customer Deposits) | % | 18.7 | 16.0 | 19.1 | 21.4 | 30.7 |
Get all company financials in excel:
By Helgi Library - September 22, 2018
Bank Pocztowy's capital adequacy ratio reached 17.8% at the end of 2017, up from 14.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 17.8% in 2017 and an all time low of 12.9% in 2013. The Tier 1 ratio amounted ...
By Helgi Library - September 22, 2018
Bank Pocztowy generated total banking revenues of PLN 344 mil in 2017, up 3.39% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. As a...
By Helgi Library - September 22, 2018
Bank Pocztowy generated total banking revenues of PLN 344 mil in 2017, up 3.39% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. As a...
By Helgi Library - September 22, 2018
Bank Pocztowy has issued total of 305 '000 payment cards at the end of 2017, up 10.6% compared to the previous year. Polish banking sector banking sector issued total of 38,131 thous. of bank cards in 2017, up 7.12% when compared to the last year....
By Helgi Library - September 22, 2018
Bank Pocztowy has issued total of 305 '000 payment cards at the end of 2017, up 10.6% compared to the previous year. Polish banking sector banking sector issued total of 38,131 thous. of bank cards in 2017, up 7.12% when compared to the last year....
By Helgi Library - September 22, 2018
Bank Pocztowy's retail deposits reached PLN 4,935 mil in 2017, up 4.88% compared to the previous year. Polish banking sector accepted retail deposits of PLN 761 bil in 2017, up 4.18% when compared to the last year. Bank Pocztowy accounted for 0.648% of al...
By Helgi Library - September 22, 2018
Bank Pocztowy's retail deposits reached PLN 4,935 mil in 2017, up 4.88% compared to the previous year. Polish banking sector accepted retail deposits of PLN 761 bil in 2017, up 4.18% when compared to the last year. Bank Pocztowy accounted for 0.648% of al...
By Helgi Library - November 29, 2018
Bank Pocztowy's mortgage loans reached PLN 2,436 mil in 2017, down 3.24% compared to the previous year. Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year. Bank Pocztowy accounted for 0.618% of ...
By Helgi Library - November 29, 2018
Bank Pocztowy's mortgage loans reached PLN 2,436 mil in 2017, down 3.24% compared to the previous year. Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year. Bank Pocztowy accounted for 0.618% of ...
By Helgi Library - September 22, 2018
Bank Pocztowy's loans reached PLN 5,165 mil in the 2017, down from PLN 5,472 mil compared to the previous year. Historically, the bank’s loans reached an all time high of PLN 5,542 mil in 2015 and an all time low of PLN 2,556 mil in 2010. In the last de...
Bank Pocztowy has been growing its revenues and asset by 0.898% and -1.13% a year on average in the last 3 years. Its loans and deposits have grown by -2.50% and -2.01% a year during that time and loans to deposits ratio reached 78.2% at the end of 2017. The company achieved an average return on equity of 2.75% in the last three years with net profit growing -51.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 65.8% in 2017, compared to 66.7% average in the last three years.
Equity represented 8.50% of total assets or 13.3% of loans at the end of 2017. Bank Pocztowy's non-performing loans were 11.8% of total loans while provisions covered some 63.9% of NPLs at the end of 2017.
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