By Helgi Library - September 1, 2018
DSK Bank's net interest margin amounted to 3.91% in 2017, down from 4.61% compared to the previous year. Historically, the...
By Helgi Library - September 1, 2018
DSK Bank's net interest margin amounted to 3.91% in 2017, down from 4.61% compared to the previous year. Historically, the...
By Helgi Library - September 1, 2018
DSK Bank's customer deposits reached BGN 10,254 mil in 2017, up 5.44% compared to the previous year. Bulgarian banking sector a...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | BGN mil | 564 | 532 | 473 |
| Net Fee Income | BGN mil | 148 | 167 | 179 |
| Other Income | BGN mil | 36.5 | 55.3 | 62.4 |
| Total Revenues | BGN mil | 749 | 754 | 715 |
| Staff Cost | BGN mil | 105 | 112 | 123 |
| Operating Profit | BGN mil | 468 | 444 | 372 |
| Provisions | BGN mil | 107 | 95.3 | 45.6 |
| Net Profit | BGN mil | 321 | 303 | 285 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | BGN mil | 3,200 | 1,145 | 1,617 |
| Customer Loans | BGN mil | 6,230 | 6,364 | 6,784 |
| Total Assets | BGN mil | 11,264 | 11,832 | 12,359 |
| Shareholders' Equity | BGN mil | 1,611 | 1,590 | 1,631 |
| Interbank Borrowing | BGN mil | 224 | 117 | 14.8 |
| Customer Deposits | BGN mil | 9,310 | 9,725 | 10,254 |
| Issued Debt Securities | BGN mil | 80.1 | 137 | 144 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 20.1 | 18.9 | 17.7 |
| ROA | % | 3.00 | 2.62 | 2.35 |
| Costs (As % Of Assets) | % | 2.63 | 2.69 | 2.83 |
| Costs (As % Of Income) | % | 37.5 | 41.1 | 48.0 |
| Capital Adequacy Ratio | % | 17.3 | 17.6 | 17.1 |
| Net Interest Margin | % | 5.28 | 4.61 | 3.91 |
| Loans (As % Of Deposits) | % | 66.9 | 65.4 | 66.2 |
| NPLs (As % Of Loans) | % | 15.1 | 13.7 | 11.2 |
| Provisions (As % Of NPLs) | % | 93.9 | 90.0 | 92.3 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 12.0 | 0.759 | -5.28 |
| Operating Cost Growth | % | 2.15 | 10.5 | 10.5 |
| Operating Profit Growth | % | 19.0 | -5.06 | -16.3 |
| Net Profit Growth | % | 40.7 | -5.65 | -6.03 |
| Customer Loan Growth | % | 0.006 | 2.17 | 6.59 |
| Total Asset Growth | % | 11.5 | 5.04 | 4.45 |
| Customer Deposit Growth | % | 16.3 | 4.46 | 5.44 |
| Shareholders' Equity Growth | % | 1.58 | -1.29 | 2.56 |
| Employees | 4,502 | 4,679 | 4,872 | |
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 | BGN mil | 521 | 499 | 469 | 505 | 564 | ||||||||||
| Total Revenues | BGN mil | 656 | 650 | 623 | 668 | 749 | ||||||||||
| Operating Profit | BGN mil | 422 | 398 | 368 | 393 | 468 | ||||||||||
| Net Profit | BGN mil | 87.7 | 161 | 191 | 228 | 321 | ||||||||||
| balance sheet | ||||||||||||||||
| Interbank Loans | BGN mil | 1,054 | 1,193 | 1,471 | 2,485 | 3,200 | ||||||||||
| Customer Loans | BGN mil | 6,697 | 6,508 | 6,191 | 6,229 | 6,230 | ||||||||||
| Debt Securities | BGN mil | 204 | 326 | 540 | 567 | 930 | ||||||||||
| Total Assets | BGN mil | 8,558 | 8,703 | 8,864 | 10,104 | 11,264 | ||||||||||
| Shareholders' Equity | BGN mil | 1,332 | 1,437 | 1,492 | 1,586 | 1,611 | ||||||||||
| Interbank Borrowing | BGN mil | 44.3 | 244 | 292 | 406 | 224 | ||||||||||
| Customer Deposits | BGN mil | 6,429 | 6,612 | 6,980 | 8,003 | 9,310 | ||||||||||
| Issued Debt Securities | BGN mil | 687 | 295 | 76.7 | 86.8 | 80.1 | ||||||||||
| ratios | ||||||||||||||||
| ROE | % | 6.09 | 11.7 | 13.0 | 14.8 | 20.1 | ||||||||||
| ROA | % | 1.02 | 1.87 | 2.17 | 2.41 | 3.00 | ||||||||||
| Costs (As % Of Assets) | % | 2.73 | 2.92 | 2.90 | 2.90 | 2.63 | ||||||||||
| Costs (As % Of Income) | % | 35.6 | 38.8 | 40.9 | 41.1 | 37.5 | ||||||||||
| Capital Adequacy Ratio | % | ... | 16.5 | 16.0 | 16.9 | 18.1 | 17.3 | |||||||||
| Net Interest Margin | % | 6.09 | 5.79 | 5.33 | 5.32 | 5.28 | ||||||||||
| Interest Income (As % Of Revenues) | % | 79.5 | 76.8 | 75.2 | 75.5 | 75.3 | ||||||||||
| Fee Income (As % Of Revenues) | % | 17.1 | 17.7 | 19.5 | 19.7 | 19.8 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | 37.2 | 36.0 | 38.0 | 36.6 | 37.3 | ||||||||||
| Equity (As % Of Assets) | % | 15.6 | 16.5 | 16.8 | 15.7 | 14.3 | ||||||||||
| Loans (As % Of Deposits) | % | 104 | 98.4 | 88.7 | 77.8 | 66.9 | ||||||||||
| Loans (As % Assets) | % | 78.3 | 74.8 | 69.8 | 61.7 | 55.3 | ||||||||||
| NPLs (As % Of Loans) | % | ... | 17.3 | 21.1 | 21.5 | 15.5 | 15.1 | |||||||||
| Provisions (As % Of NPLs) | % | ... | 74.1 | 73.7 | 82.2 | 88.5 | 93.9 | |||||||||
| valuation | ||||||||||||||||
| Book Value Per Share Growth | % | ... | 5.16 | -4.23 | -6.15 | 7.75 | 11.7 |
| income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Interest Income | BGN mil | 730 | 687 | 609 | 605 | 606 | ||||||||||
| Interest Cost | BGN mil | 209 | 188 | 140 | 99.8 | 41.7 | ||||||||||
| Net Interest Income | BGN mil | 521 | 499 | 469 | 505 | 564 | ||||||||||
| Net Fee Income | BGN mil | 112 | 115 | 121 | 132 | 148 | ||||||||||
| Other Income | BGN mil | 22.7 | 35.8 | 33.4 | 31.6 | 36.5 | ||||||||||
| Total Revenues | BGN mil | 656 | 650 | 623 | 668 | 749 | ||||||||||
| Staff Cost | BGN mil | 87.0 | 90.8 | 96.9 | 100 | 105 | ||||||||||
| Depreciation | BGN mil | 36.3 | 42.1 | 32.3 | 39.6 | 40.3 | ||||||||||
| Other Cost | BGN mil | 110 | 119 | 126 | 135 | 136 | ||||||||||
| Operating Cost | BGN mil | 234 | 252 | 255 | 275 | 281 | ||||||||||
| Operating Profit | BGN mil | 422 | 398 | 368 | 393 | 468 | ||||||||||
| Provisions | BGN mil | 324 | 212 | 142 | 121 | 107 | ||||||||||
| Extra and Other Cost | BGN mil | 0 | 0 | 0.270 | 0 | 0 | ||||||||||
| Pre-Tax Profit | BGN mil | 98.5 | 186 | 226 | 272 | 361 | ||||||||||
| Tax | BGN mil | 10.7 | 22.5 | 23.3 | 28.1 | 36.5 | ||||||||||
| Minorities | BGN mil | 0.080 | 2.11 | 12.2 | 16.0 | 3.89 | ||||||||||
| Net Profit | BGN mil | 87.7 | 161 | 191 | 228 | 321 | ||||||||||
| growth rates | ||||||||||||||||
| Net Interest Income Growth | % | ... | 5.16 | -4.23 | -6.15 | 7.75 | 11.7 | |||||||||
| Net Fee Income Growth | % | ... | 0.896 | 2.89 | 5.25 | 8.65 | 12.6 | |||||||||
| Total Revenue Growth | % | ... | 4.69 | -0.871 | -4.17 | 7.22 | 12.0 | |||||||||
| Operating Cost Growth | % | ... | 2.10 | 7.88 | 1.21 | 7.75 | 2.15 | |||||||||
| Operating Profit Growth | % | ... | 6.18 | -5.71 | -7.57 | 6.85 | 19.0 | |||||||||
| Pre-Tax Profit Growth | % | ... | -32.0 | 88.8 | 21.6 | 20.4 | 32.7 | |||||||||
| Net Profit Growth | % | ... | -32.5 | 83.9 | 18.1 | 19.7 | 40.7 | |||||||||
| market share | ||||||||||||||||
| Market Share in Revenues | % | 16.7 | 17.0 | 16.8 | 17.1 | 18.1 | ||||||||||
| Market Share in Net Profit | % | 18.5 | 30.7 | 37.8 | 32.1 | 35.7 | ||||||||||
| Market Share in Employees | % | ... | 13.2 | 14.1 | 13.8 | 14.3 | 14.7 | |||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.3 | 19.9 | 19.0 | ... | ... |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.7 | 20.4 | ... | ... |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.37 | 10.3 | ... | ... |
| Market Share in Branches | % | ... | 10.2 | 9.94 | 10.0 | 10.3 | 10.4 |
| balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||
| Cash | BGN mil | 249 | 250 | 262 | 376 | 372 | ||||||||||
| Interbank Loans | BGN mil | 1,054 | 1,193 | 1,471 | 2,485 | 3,200 | ||||||||||
| Customer Loans | BGN mil | 6,697 | 6,508 | 6,191 | 6,229 | 6,230 | ||||||||||
| Retail Loans | BGN mil | 5,524 | 5,485 | 5,445 | 5,557 | 4,938 | ||||||||||
| Mortgage Loans | BGN mil | ... | ... | 2,629 | 2,584 | 2,518 | 2,350 | 2,288 | ||||||||
| Consumer Loans | BGN mil | ... | ... | 2,895 | 2,901 | 2,927 | 3,208 | 2,650 | ||||||||
| Corporate Loans | BGN mil | 2,145 | 2,209 | 2,060 | 2,230 | 2,312 | ||||||||||
| Debt Securities | BGN mil | 204 | 326 | 540 | 567 | 930 | ||||||||||
| Fixed Assets | BGN mil | 330 | 389 | 358 | 391 | 397 | ||||||||||
| Total Assets | BGN mil | 8,558 | 8,703 | 8,864 | 10,104 | 11,264 | ||||||||||
| Shareholders' Equity | BGN mil | 1,332 | 1,437 | 1,492 | 1,586 | 1,611 | ||||||||||
| Of Which Minority Interest | BGN mil | 1.24 | 6.43 | 18.1 | 38.8 | 23.0 | ||||||||||
| Liabilities | BGN mil | 7,225 | 7,266 | 7,372 | 8,518 | 9,653 | ||||||||||
| Interbank Borrowing | BGN mil | 44.3 | 244 | 292 | 406 | 224 | ||||||||||
| Customer Deposits | BGN mil | 6,429 | 6,612 | 6,980 | 8,003 | 9,310 | ||||||||||
| Retail Deposits | BGN mil | 5,250 | 5,420 | 5,660 | 6,433 | 7,107 | ||||||||||
| Corporate Deposits | BGN mil | 864 | 801 | 919 | 1,207 | 1,766 | ||||||||||
| Sight Deposits | BGN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,399 | 4,459 | 6,153 | ... | ... |
| Term Deposits | BGN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,180 | 3,182 | 3,158 | ... | ... |
| Issued Debt Securities | BGN mil | 687 | 295 | 76.7 | 86.8 | 80.1 | ||||||||||
| Other Liabilities | BGN mil | 65.0 | 115 | 23.1 | 21.9 | 38.3 | ||||||||||
| asset quality | ||||||||||||||||
| Non-Performing Loans | BGN mil | ... | 1,330 | 1,627 | 1,614 | 1,116 | 1,096 | |||||||||
| Gross Loans | BGN mil | 7,683 | 7,707 | 7,517 | 7,217 | 7,259 | ||||||||||
| Total Provisions | BGN mil | 985 | 1,199 | 1,326 | 988 | 1,030 | ||||||||||
| growth rates | ||||||||||||||||
| Customer Loan Growth | % | ... | -2.50 | -2.83 | -4.87 | 0.612 | 0.006 | |||||||||
| Retail Loan Growth | % | ... | 0.493 | -0.714 | -0.731 | 2.07 | -11.1 | |||||||||
| Mortgage Loan Growth | % | ... | ... | ... | 1.53 | -1.72 | -2.56 | -6.68 | 12.8 | |||||||
| Consumer Loan Growth | % | ... | ... | ... | -0.431 | 0.200 | 0.902 | 9.59 | -27.9 | |||||||
| Corporate Loan Growth | % | ... | 5.75 | 2.97 | -6.72 | 8.23 | -146 | |||||||||
| Total Asset Growth | % | ... | -0.074 | 1.70 | 1.85 | 14.0 | 11.5 | |||||||||
| Shareholders' Equity Growth | % | ... | -14.0 | 7.88 | 3.81 | 6.31 | 1.58 | |||||||||
| Customer Deposit Growth | % | ... | 7.37 | 2.84 | 5.57 | 14.6 | 16.3 | |||||||||
| Retail Deposit Growth | % | ... | 7.22 | 3.24 | 4.43 | 13.7 | 10.5 | |||||||||
| Corporate Deposit Growth | % | ... | 20.2 | -7.28 | 14.7 | 31.4 | 46.3 | |||||||||
| market share | ||||||||||||||||
| Market Share in Customer Loans | % | 12.4 | 11.7 | 11.1 | 12.1 | 12.3 | ||||||||||
| Market Share in Corporate Loans | % | 6.42 | 6.30 | 5.87 | 7.19 | 7.59 | ||||||||||
| Market Share in Retail Loans | % | ... | ... | 28.9 | 29.7 | 29.7 | 33.3 | 27.9 | ||||||||
| Market Share in Consumer Loans | % | 29.2 | 29.3 | 29.1 | 30.2 | 27.2 | ||||||||||
| Market Share in Mortgage Loans | % | ... | ... | 29.6 | 28.9 | 28.5 | 26.9 | 26.5 | ||||||||
| Market Share in Total Assets | % | 14.2 | 13.5 | 12.7 | 14.4 | 14.8 | ||||||||||
| Market Share in Customer Deposits | % | 12.0 | 11.4 | 11.1 | 12.5 | 13.9 | ||||||||||
| Market Share in Retail Deposits | % | 17.0 | 15.7 | 15.0 | 16.4 | 16.7 | ||||||||||
| Market Share in Corporate Deposits | % | 6.32 | 5.62 | 5.95 | 7.87 | 9.69 |
| ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||
| ROE | % | 6.09 | 11.7 | 13.0 | 14.8 | 20.1 | ||||||||||
| ROA | % | 1.02 | 1.87 | 2.17 | 2.41 | 3.00 | ||||||||||
| Costs (As % Of Assets) | % | 2.73 | 2.92 | 2.90 | 2.90 | 2.63 | ||||||||||
| Costs (As % Of Income) | % | 35.6 | 38.8 | 40.9 | 41.1 | 37.5 | ||||||||||
| Capital Adequacy Ratio | % | ... | 16.5 | 16.0 | 16.9 | 18.1 | 17.3 | |||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.3 | 17.6 | 17.1 | ||
| Net Interest Margin | % | 6.09 | 5.79 | 5.33 | 5.32 | 5.28 | ||||||||||
| Interest Spread | % | ... | 5.60 | 5.37 | 5.01 | 5.12 | 5.21 | |||||||||
| Asset Yield | % | 8.53 | 7.96 | 6.93 | 6.38 | 5.67 | ||||||||||
| Cost Of Liabilities | % | ... | 2.93 | 2.60 | 1.92 | 1.26 | 0.459 | |||||||||
| Interest Income (As % Of Revenues) | % | 79.5 | 76.8 | 75.2 | 75.5 | 75.3 | ||||||||||
| Fee Income (As % Of Revenues) | % | 17.1 | 17.7 | 19.5 | 19.7 | 19.8 | ||||||||||
| Other Income (As % Of Revenues) | % | 3.46 | 5.51 | 5.35 | 4.72 | 4.87 | ||||||||||
| Cost Per Employee | USD per month | ... | 1,151 | 1,050 | 1,214 | 1,219 | 1,138 | |||||||||
| Cost Per Employee (Local Currency) | BGN per month | ... | 1,619 | 1,598 | 1,789 | 1,850 | 1,939 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 37.2 | 36.0 | 38.0 | 36.6 | 37.3 | ||||||||||
| Equity (As % Of Assets) | % | 15.6 | 16.5 | 16.8 | 15.7 | 14.3 | ||||||||||
| Loans (As % Of Deposits) | % | 104 | 98.4 | 88.7 | 77.8 | 66.9 | ||||||||||
| Loans (As % Assets) | % | 78.3 | 74.8 | 69.8 | 61.7 | 55.3 | ||||||||||
| NPLs (As % Of Loans) | % | ... | 17.3 | 21.1 | 21.5 | 15.5 | 15.1 | |||||||||
| Provisions (As % Of NPLs) | % | ... | 74.1 | 73.7 | 82.2 | 88.5 | 93.9 | |||||||||
| Provisions (As % Of Loans) | % | 14.7 | 18.4 | 21.4 | 15.9 | 16.5 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | 4.78 | 3.22 | 2.23 | 1.95 | 1.71 |
| other data | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||
| Branches | ... | 386 | 381 | 378 | 385 | 383 | ||||||||||
| Employees | ... | 4,477 | 4,736 | 4,514 | 4,527 | 4,502 | ||||||||||
| ATMs | 890 | 878 | 873 | 883 | 874 | |||||||||||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,339 | 1,464 | 1,381 | ... | ... |
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,364 | 1,268 | ... | ... |
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 87.9 | 97.0 | ... | ... |
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 48.7 | 55.7 | 66.1 | ... | ... |
Get all company financials in excel:
By Helgi Library - September 1, 2018
DSK Bank's customer deposits reached BGN 10,254 mil in 2017, up 5.44% compared to the previous year. Bulgarian banking sector accepted customer deposits of BGN 76.5 bil in 2017, up 5.94% when compared to the last year. DSK Bank accounted for 13.4% of all ...
By Helgi Library - September 23, 2018
DSK Bank's retail deposits reached BGN 8,215 mil in 2017, up 8.90% compared to the previous year. Bulgarian banking sector accepted retail deposits of BGN 47.8 bil in 2017, up 5.40% when compared to the last year. DSK Bank accounted for 17.2% of all retai...
By Helgi Library - September 23, 2018
DSK Bank's retail deposits reached BGN 8,215 mil in 2017, up 8.90% compared to the previous year. Bulgarian banking sector accepted retail deposits of BGN 47.8 bil in 2017, up 5.40% when compared to the last year. DSK Bank accounted for 17.2% of all retai...
By Helgi Library - September 1, 2018
DSK Bank made a net profit of BGN 285 mil under revenues of BGN 715 mil in 2017, up -6.03% and -5.28% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 321 mil in 2015 and an all time low of BGN 45.6 mil i...
By Helgi Library - September 1, 2018
DSK Bank made a net profit of BGN 285 mil under revenues of BGN 715 mil in 2017, up -6.03% and -5.28% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 321 mil in 2015 and an all time low of BGN 45.6 mil i...
By Helgi Library - September 23, 2018
DSK Bank generated total banking revenues of BGN 715 mil in 2017, down 5.28% compared to the previous year. Bulgarian banking sector banking sector generated total revenues of BGN 3,870 mil in 2017, down 4.62% when compared to the last year. As ...
By Helgi Library - September 23, 2018
DSK Bank generated total banking revenues of BGN 715 mil in 2017, down 5.28% compared to the previous year. Bulgarian banking sector banking sector generated total revenues of BGN 3,870 mil in 2017, down 4.62% when compared to the last year. As ...
By Helgi Library - September 1, 2018
DSK Bank employed 4,872 persons in 2017, up 4.13% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,872 persons in 2017 and an all time low of 3,569 in 2006. Average cost reached USD 1,211 per month per employee, ...
By Helgi Library - September 1, 2018
DSK Bank employed 4,872 persons in 2017, up 4.13% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,872 persons in 2017 and an all time low of 3,569 in 2006. Average cost reached USD 1,211 per month per employee, ...
By Helgi Library - September 23, 2018
DSK Bank's corporate deposits reached BGN 1,776 mil in 2017, up 10.8% compared to the previous year. Bulgarian banking sector accepted corporate deposits of BGN 22.0 bil in 2017, up 13.8% when compared to the last year. DSK Bank accounted for 8.06% of all...
DSK Bank EAD is the biggest Bulgarian retail bank. 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 378 branches and 873 ATMs in Bulgaria and employed over 4,500 persons. The Bank was founded in 1951 and is headquartered in Sofia, Bulgaria. It is owned by OTP Bank, Hungary's largest bank.
DSK Bank has been growing its revenues and asset by 4.26% and 4.65% a year on average in the last 10 years. Its loans and deposits have grown by 1.80% and 7.41% a year during that time and loans to deposits ratio reached 66.2% at the end of 2017. The company achieved an average return on equity of 14.9% in the last decade with net profit growing 4.25% a year on average. In terms of operating efficiency, its cost to income ratio reached 48.0% in 2017, compared to 39.4% average in the last decade.
Equity represented 13.2% of total assets or 24.0% of loans at the end of 2017. DSK Bank's non-performing loans were 11.2% of total loans while provisions covered some 92.3% of NPLs at the end of 2017.
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