By Helgi Library - September 18, 2018
Banka Postanska Stedionica made a net profit of RSD 3,879 mil under revenues of RSD 8,163 mil in 2017, up 161% and -9.73% respectivel...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica made a net profit of RSD 3,879 mil under revenues of RSD 8,163 mil in 2017, up 161% and -9.73% respectivel...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's net interest margin amounted to 4.26% in 2017, down from 4.59% compared to the previous year. ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | RSD mil | 5,716 | 6,034 | 5,829 |
| Net Fee Income | RSD mil | 2,438 | 2,440 | 2,053 |
| Other Income | RSD mil | 777 | 569 | 281 |
| Total Revenues | RSD mil | 8,931 | 9,044 | 8,163 |
| Staff Cost | RSD mil | 2,134 | 2,174 | 3,103 |
| Operating Profit | RSD mil | 3,476 | 3,396 | 1,974 |
| Provisions | RSD mil | 3,098 | 8,993 | -1,985 |
| Net Profit | RSD mil | 393 | -6,329 | 3,879 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | RSD mil | 1,460 | 6,913 | 3,999 |
| Customer Loans | RSD mil | 43,719 | 33,466 | 35,263 |
| Total Assets | RSD mil | 129,866 | 133,096 | 140,488 |
| Shareholders' Equity | RSD mil | 17,669 | 11,722 | 15,848 |
| Interbank Borrowing | RSD mil | 222 | 1,989 | 1,027 |
| Customer Deposits | RSD mil | 109,863 | 117,322 | 121,943 |
| Issued Debt Securities | RSD mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 2.24 | -43.1 | 28.1 |
| ROA | % | 0.324 | -4.81 | 2.84 |
| Costs (As % Of Assets) | % | 4.49 | 4.30 | 4.52 |
| Costs (As % Of Income) | % | 61.1 | 62.4 | 75.8 |
| Capital Adequacy Ratio | % | ... | 21.4 | 21.3 |
| Net Interest Margin | % | 4.70 | 4.59 | 4.26 |
| Loans (As % Of Deposits) | % | 39.8 | 28.5 | 28.9 |
| NPLs (As % Of Loans) | % | ... | 57.6 | 18.3 |
| Provisions (As % Of NPLs) | % | ... | 63.7 | 82.6 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 9.87 | 1.26 | -9.73 |
| Operating Cost Growth | % | 1.81 | 3.53 | 9.59 |
| Operating Profit Growth | % | 25.4 | -2.30 | -41.9 |
| Net Profit Growth | % | 24.1 | -1,709 | -161 |
| Customer Loan Growth | % | 15.0 | -23.5 | 5.37 |
| Total Asset Growth | % | 14.6 | 2.49 | 5.55 |
| Customer Deposit Growth | % | 17.9 | 6.79 | 3.94 |
| Shareholders' Equity Growth | % | 1.26 | -33.7 | 35.2 |
| Employees | ... | 1,724 | 1,996 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Net Interest Income | RSD mil | 4,143 | 4,609 | 4,044 | 4,516 | 5,716 | |||||
| Total Revenues | RSD mil | 6,582 | 7,411 | 7,433 | 8,129 | 8,931 | |||||
| Operating Profit | RSD mil | 1,870 | 2,053 | 1,243 | 2,771 | 3,476 | |||||
| Net Profit | RSD mil | 1,150 | 902 | 130 | 317 | 393 | |||||
| balance sheet | |||||||||||
| Interbank Loans | RSD mil | 4,922 | 12,082 | 16,295 | 2,909 | 1,460 | |||||
| Customer Loans | RSD mil | 16,582 | 27,103 | 33,669 | 38,032 | 43,719 | |||||
| Debt Securities | RSD mil | 3,694 | 17,212 | 26,087 | 40,540 | 54,273 | |||||
| Total Assets | RSD mil | 37,565 | 75,479 | 99,560 | 113,289 | 129,866 | |||||
| Shareholders' Equity | RSD mil | 11,171 | 12,258 | 12,449 | 17,450 | 17,669 | |||||
| Interbank Borrowing | RSD mil | 0.344 | 877 | 3.77 | 536 | 222 | |||||
| Customer Deposits | RSD mil | 24,083 | 58,748 | 84,211 | 93,174 | 109,863 | |||||
| Issued Debt Securities | RSD mil | 0 | 0 | 0 | 0 | 0 | |||||
| ratios | |||||||||||
| ROE | % | 10.9 | 7.70 | 1.05 | 2.12 | 2.24 | |||||
| ROA | % | 3.30 | 1.60 | 0.149 | 0.298 | 0.324 | |||||
| Costs (As % Of Assets) | % | 13.5 | 9.48 | 7.07 | 5.03 | 4.49 | |||||
| Costs (As % Of Income) | % | 71.6 | 72.3 | 83.3 | 65.9 | 61.1 | |||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Net Interest Margin | % | 11.9 | 8.15 | 4.62 | 4.24 | 4.70 | |||||
| Interest Income (As % Of Revenues) | % | 63.0 | 62.2 | 54.4 | 55.6 | 64.0 | |||||
| Fee Income (As % Of Revenues) | % | 32.7 | 28.7 | 33.3 | 29.7 | 27.3 | |||||
| Staff Cost (As % Of Total Cost) | % | 52.6 | 49.1 | 47.5 | 43.6 | 39.1 | |||||
| Equity (As % Of Assets) | % | 29.7 | 16.2 | 12.5 | 15.4 | 13.6 | |||||
| Loans (As % Of Deposits) | % | 68.9 | 46.1 | 40.0 | 40.8 | 39.8 | |||||
| Loans (As % Assets) | % | 44.1 | 35.9 | 33.8 | 33.6 | 33.7 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | 16.0 | 11.3 | -12.3 | 11.7 | 26.6 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Interest Income | RSD mil | 4,656 | 5,596 | 7,454 | 7,993 | 7,966 | |||||
| Interest Cost | RSD mil | 512 | 986 | 3,410 | 3,477 | 2,250 | |||||
| Net Interest Income | RSD mil | 4,143 | 4,609 | 4,044 | 4,516 | 5,716 | |||||
| Net Fee Income | RSD mil | 2,155 | 2,125 | 2,477 | 2,414 | 2,438 | |||||
| Other Income | RSD mil | 284 | 677 | 912 | 1,199 | 777 | |||||
| Total Revenues | RSD mil | 6,582 | 7,411 | 7,433 | 8,129 | 8,931 | |||||
| Staff Cost | RSD mil | 2,480 | 2,629 | 2,941 | 2,334 | 2,134 | |||||
| Depreciation | RSD mil | 211 | 261 | 314 | 356 | 364 | |||||
| Other Cost | RSD mil | 2,020 | 2,468 | 2,935 | 2,668 | 2,956 | |||||
| Operating Cost | RSD mil | 4,712 | 5,359 | 6,190 | 5,358 | 5,455 | |||||
| Operating Profit | RSD mil | 1,870 | 2,053 | 1,243 | 2,771 | 3,476 | |||||
| Provisions | RSD mil | 716 | 1,011 | 1,111 | 2,469 | 3,098 | |||||
| Extra and Other Cost | RSD mil | 0 | 0 | -0.002 | 0 | < -0.001 | |||||
| Pre-Tax Profit | RSD mil | 1,154 | 1,042 | 132 | 303 | 378 | |||||
| Tax | RSD mil | 3.42 | 139 | 1.89 | 14.4 | 15.4 | |||||
| Minorities | RSD mil | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | RSD mil | 1,150 | 902 | 130 | 317 | 393 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | 16.0 | 11.3 | -12.3 | 11.7 | 26.6 | ||||
| Net Fee Income Growth | % | ... | 5.64 | -1.38 | 16.6 | -2.54 | 1.00 | ||||
| Total Revenue Growth | % | ... | 5.11 | 12.6 | 0.287 | 9.37 | 9.87 | ||||
| Operating Cost Growth | % | ... | 14.2 | 13.7 | 15.5 | -13.4 | 1.81 | ||||
| Operating Profit Growth | % | ... | -12.5 | 9.77 | -39.5 | 123 | 25.4 | ||||
| Pre-Tax Profit Growth | % | ... | -7.85 | -9.69 | -87.3 | 129 | 24.9 | ||||
| Net Profit Growth | % | ... | -8.12 | -21.5 | -85.6 | 144 | 24.1 | ||||
| market share | |||||||||||
| Market Share in Revenues | % | 3.99 | 4.38 | 4.57 | 4.65 | 4.87 | |||||
| Market Share in Net Profit | % | 92.0 | 7.74 | ... | 13.9 | 5.28 | ... | ||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||
| Cash | RSD mil | 8,108 | 7,318 | 14,806 | 25,959 | 25,061 | |||||
| Interbank Loans | RSD mil | 4,922 | 12,082 | 16,295 | 2,909 | 1,460 | |||||
| Customer Loans | RSD mil | 16,582 | 27,103 | 33,669 | 38,032 | 43,719 | |||||
| Retail Loans | RSD mil | ... | ... | ... | ... | ... | ... | 16,381 | 21,056 | ||
| Corporate Loans | RSD mil | ... | ... | ... | ... | ... | ... | 16,381 | 21,390 | ||
| Debt Securities | RSD mil | 3,694 | 17,212 | 26,087 | 40,540 | 54,273 | |||||
| Fixed Assets | RSD mil | 3,412 | 4,271 | 4,143 | 3,908 | 3,739 | |||||
| Total Assets | RSD mil | 37,565 | 75,479 | 99,560 | 113,289 | 129,866 | |||||
| Shareholders' Equity | RSD mil | 11,171 | 12,258 | 12,449 | 17,450 | 17,669 | |||||
| Of Which Minority Interest | RSD mil | 0.056 | 0.062 | 0.063 | 0.063 | 0.063 | |||||
| Liabilities | RSD mil | 26,394 | 63,221 | 87,111 | 95,839 | 112,197 | |||||
| Interbank Borrowing | RSD mil | 0.344 | 877 | 3.77 | 536 | 222 | |||||
| Customer Deposits | RSD mil | 24,083 | 58,748 | 84,211 | 93,174 | 109,863 | |||||
| Retail Deposits | RSD mil | ... | ... | ... | ... | ... | ... | 68,597 | 75,679 | ||
| Corporate Deposits | RSD mil | ... | ... | ... | ... | ... | ... | 24,576 | 34,184 | ||
| Issued Debt Securities | RSD mil | 0 | 0 | 0 | 0 | 0 | |||||
| Other Liabilities | RSD mil | 2,311 | 3,596 | 2,896 | 2,130 | 2,112 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | RSD mil | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Gross Loans | RSD mil | ... | ... | ... | ... | ... | ... | ... | 47,735 | ||
| Total Provisions | RSD mil | ... | ... | ... | ... | ... | ... | ... | 9,291 | ||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 4.42 | 63.4 | 24.2 | 13.0 | 15.0 | ||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 28.5 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 30.6 | ||
| Total Asset Growth | % | ... | 16.6 | 101 | 31.9 | 13.8 | 14.6 | ||||
| Shareholders' Equity Growth | % | ... | 11.4 | 9.73 | 1.56 | 40.2 | 1.26 | ||||
| Customer Deposit Growth | % | ... | 20.1 | 144 | 43.3 | 10.6 | 17.9 | ||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 10.3 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 39.1 | ||
| market share | |||||||||||
| Market Share in Customer Loans | % | 0.834 | 1.20 | 1.52 | 1.60 | 1.73 | |||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | 1.69 | 2.16 | ||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | 2.26 | 2.77 | ||
| Market Share in Total Assets | % | 1.29 | 2.39 | 3.16 | 3.43 | 3.79 | |||||
| Market Share in Customer Deposits | % | 1.74 | 3.84 | 5.28 | 5.42 | 6.00 | |||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | 6.26 | 6.69 | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | 4.91 | 5.93 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||
| ROE | % | 10.9 | 7.70 | 1.05 | 2.12 | 2.24 | |||||
| ROA | % | 3.30 | 1.60 | 0.149 | 0.298 | 0.324 | |||||
| Costs (As % Of Assets) | % | 13.5 | 9.48 | 7.07 | 5.03 | 4.49 | |||||
| Costs (As % Of Income) | % | 71.6 | 72.3 | 83.3 | 65.9 | 61.1 | |||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Net Interest Margin | % | 11.9 | 8.15 | 4.62 | 4.24 | 4.70 | |||||
| Interest Spread | % | ... | 11.2 | 7.70 | 3.98 | 3.71 | 4.39 | ||||
| Asset Yield | % | 13.3 | 9.90 | 8.52 | 7.51 | 6.55 | |||||
| Cost Of Liabilities | % | ... | 2.11 | 2.20 | 4.54 | 3.80 | 2.16 | ||||
| Interest Income (As % Of Revenues) | % | 63.0 | 62.2 | 54.4 | 55.6 | 64.0 | |||||
| Fee Income (As % Of Revenues) | % | 32.7 | 28.7 | 33.3 | 29.7 | 27.3 | |||||
| Other Income (As % Of Revenues) | % | 4.31 | 9.14 | 12.3 | 14.7 | 8.70 | |||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Cost Per Employee (Local Currency) | RSD per month | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Staff Cost (As % Of Total Cost) | % | 52.6 | 49.1 | 47.5 | 43.6 | 39.1 | |||||
| Equity (As % Of Assets) | % | 29.7 | 16.2 | 12.5 | 15.4 | 13.6 | |||||
| Loans (As % Of Deposits) | % | 68.9 | 46.1 | 40.0 | 40.8 | 39.8 | |||||
| Loans (As % Assets) | % | 44.1 | 35.9 | 33.8 | 33.6 | 33.7 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 21.3 | ||
| Cost of Provisions (As % Of Loans) | % | 4.41 | 4.63 | 3.66 | 6.89 | 7.58 |
Get all company financials in excel:
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's net interest margin amounted to 4.26% in 2017, down from 4.59% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 11.9% in 2011 and an all time low of 4.24% in 2014. The a...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's customer deposits reached RSD 121,943 mil in 2017, up 3.94% 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. Banka Postanska St...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's customer deposits reached RSD 121,943 mil in 2017, up 3.94% 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. Banka Postanska St...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica generated total banking revenues of RSD 8,163 mil in 2017, down 9.73% 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 la...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's customer loans reached RSD 35,263 mil in 2017, up 5.37% 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. Banka Postanska Stedionic...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica generated total banking revenues of RSD 8,163 mil in 2017, down 9.73% 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 la...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's customer loans reached RSD 35,263 mil in 2017, up 5.37% 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. Banka Postanska Stedionic...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica generated total banking revenues of RSD 8,163 mil in 2017, down 9.73% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RSD 9,044 mil...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica generated total banking revenues of RSD 8,163 mil in 2017, down 9.73% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of RSD 9,044 mil...
By Helgi Library - September 18, 2018
Banka Postanska Stedionica's customer loan growth reached 5.37% in 2017, up from -23.5% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 137% in 2010 and an all time low of -23.5% in 2016. In the last decade...
Banka Poštanska Štedionica, A.D. is a Serbia-based universal bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. It provides a number of retail and corporate services, including saving accounts, money transfers, currency exchange, current accounts, debit and credit cards, credits, loans, Internet and mobile banking, securities and other services. At the end of 2013, the Bank took over assets of Privredna Banka Beograd. Banka Poštanska Štedionica’s services are available also through its post offices. The Bank was founded in 1921 and is based in Belgrade, Serbia
Banka Postanska Stedionica has been growing its revenues and asset by 0.141% and 7.44% a year on average in the last 3 years. Its loans and deposits have grown by -2.49% and 9.38% a year during that time and loans to deposits ratio reached 28.9% at the end of 2017. The company achieved an average return on equity of -4.23% in the last three years with net profit growing 130% a year on average. In terms of operating efficiency, its cost to income ratio reached 75.8% in 2017, compared to 66.4% average in the last three years.
Equity represented 11.3% of total assets or 44.9% of loans at the end of 2017. Banka Postanska Stedionica's non-performing loans were 18.3% of total loans while provisions covered some 82.6% of NPLs at the end of 2017.
Helgi Library 
