By Helgi Library - September 20, 2018
Investbank generated total banking revenues of BGN 59.2 mil in 2017, up 20.7% compared to the previous year. Bulgarian ban...
By Helgi Library - September 20, 2018
Investbank generated total banking revenues of BGN 59.2 mil in 2017, up 20.7% compared to the previous year. Bulgarian ban...
By Helgi Library - September 3, 2018
Investbank's customer deposits reached BGN 1,796 mil in 2017, up 3.71% compared to the previous year. Bulgarian banking sector ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | BGN mil | 20.5 | 30.2 | 33.2 |
| Net Fee Income | BGN mil | 24.0 | 22.5 | 24.4 |
| Other Income | BGN mil | -4.23 | -3.61 | 1.73 |
| Total Revenues | BGN mil | 40.4 | 49.1 | 59.2 |
| Operating Profit | BGN mil | 11.9 | 20.6 | 29.9 |
| Provisions | BGN mil | 10.2 | 23.9 | 30.1 |
| Net Profit | BGN mil | 1.95 | 1.62 | 0.229 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Customer Loans | BGN mil | 985 | 861 | 875 |
| Total Assets | BGN mil | 1,953 | 1,917 | 1,982 |
| Shareholders' Equity | BGN mil | 177 | 182 | 182 |
| Interbank Borrowing | BGN mil | 0 | 0 | 0 |
| Customer Deposits | BGN mil | 1,774 | 1,732 | 1,796 |
| Issued Debt Securities | BGN mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 1.08 | 0.900 | 0.126 |
| ROA | % | 0.101 | 0.083 | 0.012 |
| Costs (As % Of Assets) | % | 1.47 | 1.47 | 1.51 |
| Costs (As % Of Income) | % | 70.4 | 58.1 | 49.6 |
| Net Interest Margin | % | 1.06 | 1.56 | 1.70 |
| Loans (As % Of Deposits) | % | 55.5 | 49.7 | 48.7 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 49.4 | 21.6 | 20.7 |
| Operating Cost Growth | % | 2.79 | 0.419 | 2.89 |
| Operating Profit Growth | % | -1,989 | 72.2 | 45.4 |
| Net Profit Growth | % | 7.62 | -17.1 | -85.8 |
| Customer Loan Growth | % | 6.68 | -12.5 | 1.57 |
| Total Asset Growth | % | 2.06 | -1.88 | 3.42 |
| Customer Deposit Growth | % | 2.66 | -2.39 | 3.71 |
| Shareholders' Equity Growth | % | -3.65 | 3.01 | -0.203 |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | BGN mil | 18.8 | 14.1 | 3.85 | 7.15 | 20.5 | ||||||
| Total Revenues | BGN mil | 29.4 | 21.2 | 19.1 | 27.0 | 40.4 | ||||||
| Operating Profit | BGN mil | 1.92 | -5.00 | -7.97 | -0.632 | 11.9 | ||||||
| Net Profit | BGN mil | -4.99 | -0.725 | 0.452 | 1.81 | 1.95 | ||||||
| balance sheet | ||||||||||||
| Customer Loans | BGN mil | 736 | 812 | 782 | 923 | 985 | ||||||
| Debt Securities | BGN mil | 280 | 309 | 503 | 571 | 528 | ||||||
| Total Assets | BGN mil | 1,254 | 1,371 | 1,676 | 1,914 | 1,953 | ||||||
| Shareholders' Equity | BGN mil | 109 | 162 | 178 | 183 | 177 | ||||||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Customer Deposits | BGN mil | 1,132 | 1,189 | 1,483 | 1,729 | 1,774 | ||||||
| Issued Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| ratios | ||||||||||||
| ROE | % | -4.53 | -0.537 | 0.266 | 1.00 | 1.08 | ||||||
| ROA | % | -0.407 | -0.055 | 0.030 | 0.101 | 0.101 | ||||||
| Costs (As % Of Assets) | % | 2.24 | 2.00 | 1.78 | 1.54 | 1.47 | ||||||
| Costs (As % Of Income) | % | 93.5 | 124 | 142 | 102 | 70.4 | ||||||
| Net Interest Margin | % | 1.53 | 1.08 | 0.253 | 0.398 | 1.06 | ||||||
| Interest Income (As % Of Revenues) | % | 64.0 | 66.6 | 20.2 | 26.5 | 50.9 | ||||||
| Fee Income (As % Of Revenues) | % | 47.4 | 65.0 | 78.5 | 73.1 | 59.6 | ||||||
| Equity (As % Of Assets) | % | 8.66 | 11.8 | 10.6 | 9.59 | 9.05 | ||||||
| Loans (As % Of Deposits) | % | 65.0 | 68.3 | 52.7 | 53.4 | 55.5 | ||||||
| Loans (As % Assets) | % | 58.7 | 59.3 | 46.7 | 48.2 | 50.4 | ||||||
| valuation | ||||||||||||
| Book Value Per Share Growth | % | ... | -33.4 | -24.9 | -72.7 | 85.6 | 187 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Interest Income | BGN mil | 74.7 | 68.1 | 59.6 | 67.1 | 70.6 | ||||||
| Interest Cost | BGN mil | 55.9 | 54.0 | 55.7 | 59.9 | 50.0 | ||||||
| Net Interest Income | BGN mil | 18.8 | 14.1 | 3.85 | 7.15 | 20.5 | ||||||
| Net Fee Income | BGN mil | 13.9 | 13.8 | 15.0 | 19.7 | 24.0 | ||||||
| Other Income | BGN mil | -3.35 | -6.70 | 0.256 | 0.118 | -4.23 | ||||||
| Total Revenues | BGN mil | 29.4 | 21.2 | 19.1 | 27.0 | 40.4 | ||||||
| Depreciation | BGN mil | 2.81 | 2.69 | 3.32 | 2.15 | 1.79 | ||||||
| Operating Cost | BGN mil | 27.5 | 26.2 | 27.1 | 27.6 | 28.4 | ||||||
| Operating Profit | BGN mil | 1.92 | -5.00 | -7.97 | -0.632 | 11.9 | ||||||
| Provisions | BGN mil | 7.31 | -4.58 | -3.71 | 11.9 | 10.2 | ||||||
| Extra and Other Cost | BGN mil | -0.393 | 0.304 | -4.72 | -14.3 | -0.185 | ||||||
| Pre-Tax Profit | BGN mil | -4.99 | -0.725 | 0.452 | 1.81 | 1.95 | ||||||
| Tax | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Minorities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Net Profit | BGN mil | -4.99 | -0.725 | 0.452 | 1.81 | 1.95 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | -33.4 | -24.9 | -72.7 | 85.6 | 187 | |||||
| Net Fee Income Growth | % | ... | 7.52 | -1.16 | 8.59 | 31.9 | 21.7 | |||||
| Total Revenue Growth | % | ... | -18.6 | -27.9 | -10.1 | 41.6 | 49.4 | |||||
| Operating Cost Growth | % | ... | 0.747 | -4.64 | 3.17 | 2.18 | 2.79 | |||||
| Operating Profit Growth | % | ... | -78.3 | -360 | 59.6 | -92.1 | -1,989 | |||||
| Pre-Tax Profit Growth | % | ... | -386 | -85.5 | -162 | 300 | 7.62 | |||||
| Net Profit Growth | % | ... | -386 | -85.5 | -162 | 300 | 7.62 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 0.749 | 0.556 | 0.515 | 0.692 | 0.978 | ||||||
| Market Share in Net Profit | % | ... | ... | 0.090 | 0.255 | 0.217 |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||
| Cash | BGN mil | 161 | 150 | 203 | 298 | 289 | ||||||
| Customer Loans | BGN mil | 736 | 812 | 782 | 923 | 985 | ||||||
| Debt Securities | BGN mil | 280 | 309 | 503 | 571 | 528 | ||||||
| Fixed Assets | BGN mil | 13.6 | 54.5 | 91.4 | 42.4 | 42.2 | ||||||
| Total Assets | BGN mil | 1,254 | 1,371 | 1,676 | 1,914 | 1,953 | ||||||
| Shareholders' Equity | BGN mil | 109 | 162 | 178 | 183 | 177 | ||||||
| Of Which Minority Interest | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Liabilities | BGN mil | 1,145 | 1,209 | 1,498 | 1,730 | 1,776 | ||||||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Customer Deposits | BGN mil | 1,132 | 1,189 | 1,483 | 1,729 | 1,774 | ||||||
| Issued Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Other Liabilities | BGN mil | 13.3 | 19.5 | 15.3 | 1.70 | 1.92 | ||||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | -5.68 | 10.4 | -3.72 | 18.0 | 6.68 | |||||
| Total Asset Growth | % | ... | 4.30 | 9.33 | 22.3 | 14.2 | 2.06 | |||||
| Shareholders' Equity Growth | % | ... | -2.97 | 48.8 | 10.2 | 3.09 | -3.65 | |||||
| Customer Deposit Growth | % | ... | 5.01 | 5.10 | 24.7 | 16.5 | 2.66 | |||||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 1.36 | 1.46 | 1.40 | 1.79 | 1.94 | ||||||
| Market Share in Total Assets | % | 2.09 | 2.12 | 2.40 | 2.73 | 2.57 | ||||||
| Market Share in Customer Deposits | % | 2.12 | 2.05 | 2.36 | 2.69 | 2.65 |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||
| ROE | % | -4.53 | -0.537 | 0.266 | 1.00 | 1.08 | ||||||
| ROA | % | -0.407 | -0.055 | 0.030 | 0.101 | 0.101 | ||||||
| Costs (As % Of Assets) | % | 2.24 | 2.00 | 1.78 | 1.54 | 1.47 | ||||||
| Costs (As % Of Income) | % | 93.5 | 124 | 142 | 102 | 70.4 | ||||||
| Net Interest Margin | % | 1.53 | 1.08 | 0.253 | 0.398 | 1.06 | ||||||
| Interest Spread | % | ... | 1.08 | 0.606 | -0.206 | 0.025 | 0.797 | |||||
| Asset Yield | % | 6.08 | 5.19 | 3.91 | 3.74 | 3.65 | ||||||
| Cost Of Liabilities | % | ... | 5.00 | 4.58 | 4.12 | 3.71 | 2.85 | |||||
| Interest Income (As % Of Revenues) | % | 64.0 | 66.6 | 20.2 | 26.5 | 50.9 | ||||||
| Fee Income (As % Of Revenues) | % | 47.4 | 65.0 | 78.5 | 73.1 | 59.6 | ||||||
| Other Income (As % Of Revenues) | % | -11.4 | -31.6 | 1.34 | 0.437 | -10.5 | ||||||
| Equity (As % Of Assets) | % | 8.66 | 11.8 | 10.6 | 9.59 | 9.05 | ||||||
| Loans (As % Of Deposits) | % | 65.0 | 68.3 | 52.7 | 53.4 | 55.5 | ||||||
| Loans (As % Assets) | % | 58.7 | 59.3 | 46.7 | 48.2 | 50.4 | ||||||
| Cost of Provisions (As % Of Loans) | % | 0.964 | -0.591 | -0.465 | 1.39 | 1.07 |
Get all company financials in excel:
By Helgi Library - September 3, 2018
Investbank's customer deposits reached BGN 1,796 mil in 2017, up 3.71% 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. Investbank accounted for 2.35% of a...
By Helgi Library - September 3, 2018
Investbank made a net profit of BGN 0.229 mil under revenues of BGN 59.2 mil in 2017, up -85.8% and 20.7% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 11.3 mil in 2008 and an all time low of BGN -4.99...
By Helgi Library - September 3, 2018
Investbank made a net profit of BGN 0.229 mil under revenues of BGN 59.2 mil in 2017, up -85.8% and 20.7% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN 11.3 mil in 2008 and an all time low of BGN -4.99...
By Helgi Library - September 3, 2018
Investbank's net interest margin amounted to 1.70% in 2017, up from 1.56% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.36% in 2009 and an all time low of 0.253% in 2013. The average margin in ...
By Helgi Library - September 3, 2018
Investbank's customer loans reached BGN 875 mil in 2017, up 1.57% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. Investbank accounted for 1.47% of all custo...
By Helgi Library - September 3, 2018
Investbank's customer loans reached BGN 875 mil in 2017, up 1.57% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. Investbank accounted for 1.47% of all custo...
By Helgi Library - September 3, 2018
Investbank's net interest margin amounted to 1.70% in 2017, up from 1.56% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.36% in 2009 and an all time low of 0.253% in 2013. The average margin in ...
By Helgi Library - September 3, 2018
Investbank generated total banking revenues of BGN 59.2 mil in 2017, up 20.7% 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 BGN 59.2 mil in 2017 and an all ...
By Helgi Library - September 3, 2018
Investbank generated total banking revenues of BGN 59.2 mil in 2017, up 20.7% 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 BGN 59.2 mil in 2017 and an all ...
By Helgi Library - September 3, 2018
Investbank's customer loan growth reached 1.57% in 2017, up from -12.5% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 18.0% in 2014 and an all time low of -12.5% in 2016. In the last decade, the average a...
Investbank has been growing its revenues and asset by 29.9% and 1.17% a year on average in the last 3 years. Its loans and deposits have grown by -1.77% and 1.29% a year during that time and loans to deposits ratio reached 48.7% at the end of 2017. The company achieved an average return on equity of 0.702% in the last three years with net profit growing -49.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.6% in 2017, compared to 59.4% average in the last three years.
Equity represented 9.17% of total assets or 20.8% of loans at the end of 2017. Investbank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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