By Helgi Library - September 3, 2018
Isbank Bulgaria's net interest margin amounted to 4.38% in 2017, up from 2.60% compared to the previous year. Historically...
By Helgi Library - September 3, 2018
Isbank Bulgaria's net interest margin amounted to 4.38% in 2017, up from 2.60% compared to the previous year. Historically...
By Helgi Library - September 20, 2018
Isbank Bulgaria generated total banking revenues of BGN 0.163 mil in 2017, down 68.1% compared to the previous year. Bulga...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | BGN mil | 0.207 | 0.163 | 0.106 |
| Net Fee Income | BGN mil | 0.115 | 0.051 | 0.005 |
| Other Income | BGN mil | 0.242 | 0.297 | 0.052 |
| Total Revenues | BGN mil | 0.564 | 0.511 | 0.163 |
| Operating Profit | BGN mil | -0.133 | -0.517 | -0.494 |
| Provisions | BGN mil | 0 | 0 | 0 |
| Net Profit | BGN mil | -0.133 | -0.517 | -0.494 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Customer Loans | BGN mil | 3.81 | 3.21 | 0 |
| Total Assets | BGN mil | 7.81 | 4.73 | 0.113 |
| Shareholders' Equity | BGN mil | -0.133 | -0.517 | -0.494 |
| Interbank Borrowing | BGN mil | 0 | 0 | 0 |
| Customer Deposits | BGN mil | 7.94 | 5.24 | 0.587 |
| Issued Debt Securities | BGN mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 42.2 | 159 | 97.7 |
| ROA | % | -0.920 | -8.25 | -20.4 |
| Costs (As % Of Assets) | % | 4.82 | 16.4 | 27.1 |
| Costs (As % Of Income) | % | 124 | 201 | 403 |
| Net Interest Margin | % | 1.43 | 2.60 | 4.38 |
| Loans (As % Of Deposits) | % | 47.9 | 61.3 | 0 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 14.2 | -9.40 | -68.1 |
| Operating Cost Growth | % | -29.7 | 47.5 | -36.1 |
| Operating Profit Growth | % | -73.2 | 289 | -4.45 |
| Net Profit Growth | % | -73.2 | 289 | -4.45 |
| Customer Loan Growth | % | -64.7 | -15.6 | -100 |
| Total Asset Growth | % | -63.0 | -39.4 | -97.6 |
| Customer Deposit Growth | % | -63.2 | -34.0 | -88.8 |
| Shareholders' Equity Growth | % | -73.2 | 289 | -4.45 |
Get all company financials in excel:
| summary | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||
| Net Interest Income | BGN mil | -0.010 | 0.143 | 0.251 | 0.243 | 0.207 | ||
| Total Revenues | BGN mil | -0.008 | 0.233 | 0.484 | 0.494 | 0.564 | ||
| Operating Profit | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| Net Profit | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| balance sheet | ||||||||
| Customer Loans | BGN mil | 0.998 | 7.83 | 8.98 | 10.8 | 3.81 | ||
| Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Total Assets | BGN mil | 1.76 | 8.93 | 13.7 | 21.1 | 7.81 | ||
| Shareholders' Equity | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Customer Deposits | BGN mil | 2.69 | 9.86 | 14.3 | 21.6 | 7.94 | ||
| Issued Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| ratios | ||||||||
| ROE | % | 100 | 99.5 | 86.4 | 81.9 | 42.2 | ||
| ROA | % | -54.3 | -17.7 | -6.34 | -2.86 | -0.920 | ||
| Costs (As % Of Assets) | % | 53.8 | 22.0 | 10.6 | 5.70 | 4.82 | ||
| Costs (As % Of Income) | % | -11,813 | 505 | 248 | 201 | 124 | ||
| Net Interest Margin | % | -0.569 | 2.68 | 2.22 | 1.40 | 1.43 | ||
| Interest Income (As % Of Revenues) | % | 125 | 61.4 | 51.9 | 49.2 | 36.7 | ||
| Fee Income (As % Of Revenues) | % | -62.5 | 23.6 | 34.7 | 34.0 | 20.4 | ||
| Equity (As % Of Assets) | % | -54.3 | -10.6 | -5.24 | -2.36 | -1.70 | ||
| Loans (As % Of Deposits) | % | 37.1 | 79.4 | 62.6 | 49.9 | 47.9 | ||
| Loans (As % Assets) | % | 56.8 | 87.7 | 65.6 | 51.0 | 48.7 | ||
| valuation | ||||||||
| Book Value Per Share Growth | % | ... | -1,530 | 75.5 | -3.19 | -14.8 |
| income statement | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||
| Interest Income | BGN mil | 0.004 | 0.205 | 0.396 | 0.420 | 0.355 | ||
| Interest Cost | BGN mil | 0.014 | 0.062 | 0.145 | 0.177 | 0.148 | ||
| Net Interest Income | BGN mil | -0.010 | 0.143 | 0.251 | 0.243 | 0.207 | ||
| Net Fee Income | BGN mil | 0.005 | 0.055 | 0.168 | 0.168 | 0.115 | ||
| Other Income | BGN mil | -0.003 | 0.035 | 0.065 | 0.083 | 0.242 | ||
| Total Revenues | BGN mil | -0.008 | 0.233 | 0.484 | 0.494 | 0.564 | ||
| Depreciation | BGN mil | 0.023 | 0.082 | 0.098 | 0.090 | 0.040 | ||
| Operating Cost | BGN mil | 0.945 | 1.18 | 1.20 | 0.991 | 0.697 | ||
| Operating Profit | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| Provisions | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Extra and Other Cost | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Pre-Tax Profit | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| Tax | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Minorities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Net Profit | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| growth rates | ||||||||
| Net Interest Income Growth | % | ... | -1,530 | 75.5 | -3.19 | -14.8 | ||
| Net Fee Income Growth | % | ... | 1,000 | 205 | 0 | -31.5 | ||
| Total Revenue Growth | % | ... | -3,013 | 108 | 2.07 | 14.2 | ||
| Operating Cost Growth | % | ... | 24.4 | 2.13 | -17.5 | -29.7 | ||
| Operating Profit Growth | % | ... | -1.05 | -24.0 | -30.7 | -73.2 | ||
| Pre-Tax Profit Growth | % | ... | -1.05 | -24.0 | -30.7 | -73.2 | ||
| Net Profit Growth | % | ... | -1.05 | -24.0 | -30.7 | -73.2 | ||
| market share | ||||||||
| Market Share in Revenues | % | < -0.001 | 0.006 | 0.013 | 0.013 | 0.014 |
| balance sheet | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||
| Cash | BGN mil | 0.500 | 0.809 | 4.50 | 10.2 | 3.91 | ||
| Customer Loans | BGN mil | 0.998 | 7.83 | 8.98 | 10.8 | 3.81 | ||
| Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Fixed Assets | BGN mil | 0.234 | 0.265 | 0.167 | 0.102 | 0.069 | ||
| Total Assets | BGN mil | 1.76 | 8.93 | 13.7 | 21.1 | 7.81 | ||
| Shareholders' Equity | BGN mil | -0.953 | -0.943 | -0.717 | -0.497 | -0.133 | ||
| Of Which Minority Interest | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Liabilities | BGN mil | 2.71 | 9.87 | 14.4 | 21.6 | 7.94 | ||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Customer Deposits | BGN mil | 2.69 | 9.86 | 14.3 | 21.6 | 7.94 | ||
| Issued Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| Other Liabilities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||
| growth rates | ||||||||
| Customer Loan Growth | % | ... | 684 | 14.7 | 20.0 | -64.7 | ||
| Total Asset Growth | % | ... | 408 | 53.2 | 54.3 | -63.0 | ||
| Shareholders' Equity Growth | % | ... | -1.05 | -24.0 | -30.7 | -73.2 | ||
| Customer Deposit Growth | % | ... | 267 | 45.5 | 50.4 | -63.2 | ||
| market share | ||||||||
| Market Share in Customer Loans | % | 0.002 | 0.014 | 0.016 | 0.021 | 0.008 | ||
| Market Share in Total Assets | % | 0.003 | 0.014 | 0.020 | 0.030 | 0.010 | ||
| Market Share in Customer Deposits | % | 0.005 | 0.017 | 0.023 | 0.034 | 0.012 |
| ratios | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||
| ROE | % | 100 | 99.5 | 86.4 | 81.9 | 42.2 | ||
| ROA | % | -54.3 | -17.7 | -6.34 | -2.86 | -0.920 | ||
| Costs (As % Of Assets) | % | 53.8 | 22.0 | 10.6 | 5.70 | 4.82 | ||
| Costs (As % Of Income) | % | -11,813 | 505 | 248 | 201 | 124 | ||
| Net Interest Margin | % | -0.569 | 2.68 | 2.22 | 1.40 | 1.43 | ||
| Interest Spread | % | ... | 2.85 | 2.31 | 1.43 | 1.45 | ||
| Asset Yield | % | 0.228 | 3.84 | 3.50 | 2.42 | 2.46 | ||
| Cost Of Liabilities | % | ... | 0.986 | 1.20 | 0.983 | 1.00 | ||
| Interest Income (As % Of Revenues) | % | 125 | 61.4 | 51.9 | 49.2 | 36.7 | ||
| Fee Income (As % Of Revenues) | % | -62.5 | 23.6 | 34.7 | 34.0 | 20.4 | ||
| Other Income (As % Of Revenues) | % | 37.5 | 15.0 | 13.4 | 16.8 | 42.9 | ||
| Equity (As % Of Assets) | % | -54.3 | -10.6 | -5.24 | -2.36 | -1.70 | ||
| Loans (As % Of Deposits) | % | 37.1 | 79.4 | 62.6 | 49.9 | 47.9 | ||
| Loans (As % Assets) | % | 56.8 | 87.7 | 65.6 | 51.0 | 48.7 | ||
| Cost of Provisions (As % Of Loans) | % | 0 | 0 | 0 | 0 | 0 |
Get all company financials in excel:
By Helgi Library - September 20, 2018
Isbank Bulgaria generated total banking revenues of BGN 0.163 mil in 2017, down 68.1% 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. ...
By Helgi Library - September 3, 2018
Isbank Bulgaria's customer deposits reached BGN 0.587 mil in 2017, down 88.8% 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. Isbank Bulgaria accounted fo...
By Helgi Library - September 3, 2018
Isbank Bulgaria's customer loans reached BGN 0 mil in 2017, down 100% 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. Isbank Bulgaria accounted for 0% of all...
By Helgi Library - September 3, 2018
Isbank Bulgaria's customer deposits reached BGN 0.587 mil in 2017, down 88.8% 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. Isbank Bulgaria accounted fo...
By Helgi Library - September 3, 2018
Isbank Bulgaria's customer loans reached BGN 0 mil in 2017, down 100% 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. Isbank Bulgaria accounted for 0% of all...
By Helgi Library - September 3, 2018
Isbank Bulgaria made a net profit of BGN -0.494 mil under revenues of BGN 0.163 mil in 2017, up 4.45% and -68.1% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN -0.133 mil in 2015 and an all time low of ...
By Helgi Library - September 3, 2018
Isbank Bulgaria made a net profit of BGN -0.494 mil under revenues of BGN 0.163 mil in 2017, up 4.45% and -68.1% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of BGN -0.133 mil in 2015 and an all time low of ...
By Helgi Library - September 3, 2018
Isbank Bulgaria generated total banking revenues of BGN 0.163 mil in 2017, down 68.1% 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 0.564 mil in 2015 an...
By Helgi Library - September 3, 2018
Isbank Bulgaria generated total banking revenues of BGN 0.163 mil in 2017, down 68.1% 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 0.564 mil in 2015 an...
By Helgi Library - September 3, 2018
Isbank Bulgaria's customer loan growth reached -100% in 2017, down from -15.6% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 684% in 2012 and an all time low of -100% in 2017. In the last decade, the aver...
Isbank Bulgaria has been growing its revenues and asset by -30.9% and -82.5% a year on average in the last 3 years. Its loans and deposits have grown by -100% and -69.9% a year during that time and loans to deposits ratio reached 0% at the end of 2017. The company achieved an average return on equity of 99.7% in the last three years with net profit growing -0.202% a year on average. In terms of operating efficiency, its cost to income ratio reached 403% in 2017, compared to 243% average in the last three years.
Equity represented -437% of total assets or of loans at the end of 2017. Isbank Bulgaria's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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