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Halbank Serbia

Created with Highcharts 6.0.4Sales and Profits (RSD mil)Total RevenuesNet Profit20142015201620171600180020002200-400-2000200400
Profit Statement 2015 2016 2017
Net Interest Income RSD mil 1,174 1,345 1,489
Net Fee Income RSD mil 573 577 604
Other Income RSD mil 36.6 33.1 56.6
Total Revenues RSD mil 1,784 1,955 2,150
Staff Cost RSD mil 525 585 649
Operating Profit RSD mil 548 525 464
Provisions RSD mil 759 389 270
Net Profit RSD mil -185 136 195
Balance Sheet 2015 2016 2017
Interbank Loans RSD mil 3,044 1,019 1,525
Customer Loans RSD mil 19,115 23,962 28,908
Total Assets RSD mil 31,800 34,986 41,449
Shareholders' Equity RSD mil 5,716 5,884 6,120
Interbank Borrowing RSD mil 700 1,715 3,190
Customer Deposits RSD mil 23,275 19,227 23,449
Issued Debt Securities RSD mil 1,844 7,362 7,586
Ratios 2015 2016 2017
ROE % -3.54 2.35 3.24
ROA % -0.581 0.408 0.509
Costs (As % Of Assets) % 3.89 4.28 4.41
Costs (As % Of Income) % 69.3 73.1 78.4
Capital Adequacy Ratio % 15.8 16.0 17.1
Net Interest Margin % 3.69 4.03 3.90
Loans (As % Of Deposits) % 82.1 125 123
NPLs (As % Of Loans) % 29.8 17.6 13.3
Provisions (As % Of NPLs) % 63.3 103 108
Growth Rates 2015 2016 2017
Total Revenue Growth % 0.412 9.57 10.0
Operating Cost Growth % 11.1 15.6 18.0
Operating Profit Growth % -17.5 -4.13 -11.6
Net Profit Growth % -30.8 -174 43.0
Customer Loan Growth % -14.0 25.4 20.6
Total Asset Growth % -0.041 10.0 18.5
Customer Deposit Growth % 0.247 -17.4 22.0
Shareholders' Equity Growth % 21.0 2.94 4.01
Employees 377 411 435

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