By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's corporate deposits reached HRK 933 mil in 2017, up 62.8% compared to the previous year. Croatian...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's customer deposits reached HRK 2,955 mil in 2017, up 5.52% compared to the previous year. Croatia...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's customer deposits reached HRK 2,955 mil in 2017, up 5.52% compared to the previous year. Croatia...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HRK mil | 76.2 | 75.1 | 81.1 |
| Net Fee Income | HRK mil | 26.3 | 27.2 | 27.3 |
| Other Income | HRK mil | 54.3 | 20.1 | 17.5 |
| Total Revenues | HRK mil | 157 | 122 | 126 |
| Staff Cost | HRK mil | 38.9 | 39.3 | 39.4 |
| Operating Profit | HRK mil | 87.1 | 47.5 | 51.9 |
| Provisions | HRK mil | 72.3 | 20.9 | 20.0 |
| Net Profit | HRK mil | 12.4 | 20.6 | 26.3 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HRK mil | 190 | 258 | 258 |
| Customer Loans | HRK mil | 1,525 | 1,500 | 1,571 |
| Total Assets | HRK mil | 3,090 | 3,212 | 3,368 |
| Shareholders' Equity | HRK mil | 262 | 280 | 297 |
| Interbank Borrowing | HRK mil | 101 | 73.4 | 55.5 |
| Customer Deposits | HRK mil | 2,673 | 2,801 | 2,955 |
| Issued Debt Securities | HRK mil | 42.7 | 42.4 | 42.2 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 4.76 | 7.61 | 9.11 |
| ROA | % | 0.414 | 0.655 | 0.799 |
| Costs (As % Of Assets) | % | 2.32 | 2.37 | 2.25 |
| Costs (As % Of Income) | % | 44.4 | 61.2 | 58.8 |
| Capital Adequacy Ratio | % | 17.8 | 18.4 | 19.4 |
| Net Interest Margin | % | 2.53 | 2.38 | 2.46 |
| Loans (As % Of Deposits) | % | 57.1 | 53.6 | 53.2 |
| NPLs (As % Of Loans) | % | 21.8 | 22.0 | 17.3 |
| Provisions (As % Of NPLs) | % | 45.1 | 51.3 | 59.0 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 50.7 | -22.0 | 2.93 |
| Operating Cost Growth | % | 2.94 | 7.37 | -1.06 |
| Operating Profit Growth | % | 140 | -45.5 | 9.21 |
| Net Profit Growth | % | 3.12 | 65.8 | 27.3 |
| Customer Loan Growth | % | 1.54 | -1.62 | 4.70 |
| Total Asset Growth | % | 5.61 | 3.96 | 4.84 |
| Customer Deposit Growth | % | 5.18 | 4.80 | 5.52 |
| Shareholders' Equity Growth | % | 0.855 | 6.69 | 5.98 |
| Employees | 229 | 241 | 244 | |
Get all company financials in excel:
| summary | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Net Interest Income | HRK mil | ... | ... | ... | ... | ... | 70.5 | 62.4 | 63.0 | 61.5 | 76.2 | |||||||
| Total Revenues | HRK mil | ... | ... | ... | ... | ... | 108 | 99.5 | 103 | 104 | 157 | |||||||
| Operating Profit | HRK mil | ... | ... | ... | ... | ... | 38.3 | 31.6 | 36.9 | 36.3 | 87.1 | |||||||
| Net Profit | HRK mil | ... | ... | ... | ... | ... | 18.7 | 17.2 | 12.8 | 12.1 | 12.4 | |||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | HRK mil | ... | ... | ... | ... | ... | 273 | 344 | 264 | 344 | 190 | |||||||
| Customer Loans | HRK mil | ... | ... | ... | ... | ... | 1,451 | 1,466 | 1,469 | 1,502 | 1,525 | |||||||
| Debt Securities | HRK mil | ... | ... | ... | ... | ... | 366 | 309 | 549 | 633 | 661 | |||||||
| Total Assets | HRK mil | 2,531 | 2,671 | 2,805 | 2,926 | 3,090 | ||||||||||||
| Shareholders' Equity | HRK mil | 248 | 255 | 258 | 260 | 262 | ||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | ... | ... | ... | 65.6 | 72.6 | 82.7 | 82.9 | 101 | |||||||
| Customer Deposits | HRK mil | ... | ... | ... | ... | ... | 2,187 | 2,310 | 2,425 | 2,541 | 2,673 | |||||||
| Issued Debt Securities | HRK mil | ... | ... | ... | ... | ... | 18.8 | 23.7 | 29.9 | 33.1 | 42.7 | |||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | 7.67 | 6.85 | 5.00 | 4.65 | 4.76 | |||||||
| ROA | % | ... | ... | ... | ... | ... | 0.758 | 0.663 | 0.469 | 0.421 | 0.414 | |||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 2.84 | 2.61 | 2.43 | 2.36 | 2.32 | |||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | 64.6 | 68.2 | 64.3 | 65.1 | 44.4 | |||||||
| Capital Adequacy Ratio | % | 15.1 | 15.4 | 16.7 | 16.5 | 17.8 | ||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | 2.85 | 2.40 | 2.30 | 2.15 | 2.53 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 65.0 | 62.8 | 60.9 | 59.2 | 48.6 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 18.7 | 21.5 | 22.3 | 23.4 | 16.8 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 52.2 | 56.6 | 56.4 | 55.6 | 55.8 | |||||||
| Equity (As % Of Assets) | % | 9.81 | 9.55 | 9.22 | 8.89 | 8.49 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | 66.4 | 63.5 | 60.6 | 59.1 | 57.1 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | 57.3 | 54.9 | 52.4 | 51.3 | 49.4 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 12.2 | 12.3 | 18.8 | 21.2 | 21.8 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 39.9 | 43.3 | 35.6 | 36.2 | 45.1 | |||||||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | 12.0 | -11.4 | 0.907 | -2.30 | 23.8 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Interest Income | HRK mil | ... | ... | ... | ... | ... | 126 | 124 | 124 | 119 | 125 | |||||||
| Interest Cost | HRK mil | ... | ... | ... | ... | ... | 56.0 | 61.8 | 60.6 | 57.0 | 48.4 | |||||||
| Net Interest Income | HRK mil | ... | ... | ... | ... | ... | 70.5 | 62.4 | 63.0 | 61.5 | 76.2 | |||||||
| Net Fee Income | HRK mil | ... | ... | ... | ... | ... | 20.3 | 21.4 | 23.1 | 24.3 | 26.3 | |||||||
| Other Income | HRK mil | ... | ... | ... | ... | ... | 17.7 | 15.7 | 17.3 | 18.2 | 54.3 | |||||||
| Total Revenues | HRK mil | ... | ... | ... | ... | ... | 108 | 99.5 | 103 | 104 | 157 | |||||||
| Staff Cost | HRK mil | ... | ... | ... | ... | ... | 36.6 | 38.4 | 37.5 | 37.7 | 38.9 | |||||||
| Depreciation | HRK mil | ... | ... | ... | ... | ... | 5.51 | 5.83 | 5.63 | 5.49 | 5.32 | |||||||
| Other Cost | HRK mil | ... | ... | ... | ... | ... | 28.0 | 23.6 | 23.4 | 24.6 | 25.5 | |||||||
| Operating Cost | HRK mil | ... | ... | ... | ... | ... | 70.1 | 67.9 | 66.5 | 67.7 | 69.7 | |||||||
| Operating Profit | HRK mil | ... | ... | ... | ... | ... | 38.3 | 31.6 | 36.9 | 36.3 | 87.1 | |||||||
| Provisions | HRK mil | ... | ... | ... | ... | ... | 15.0 | 10.1 | 23.3 | 21.7 | 72.3 | |||||||
| Extra and Other Cost | HRK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | -0.681 | |||||||
| Pre-Tax Profit | HRK mil | ... | ... | ... | ... | ... | 23.3 | 21.5 | 13.6 | 14.7 | 15.5 | |||||||
| Tax | HRK mil | ... | ... | ... | ... | ... | 4.56 | 4.25 | 0.798 | 2.59 | 3.06 | |||||||
| Minorities | HRK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Net Profit | HRK mil | ... | ... | ... | ... | ... | 18.7 | 17.2 | 12.8 | 12.1 | 12.4 | |||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | 12.0 | -11.4 | 0.907 | -2.30 | 23.8 | ||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | 5.51 | 5.50 | 8.13 | 5.31 | 7.96 | ||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | 7.51 | -8.27 | 3.97 | 0.605 | 50.7 | ||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | 2.63 | -3.18 | -1.99 | 1.81 | 2.94 | ||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | 17.7 | -17.6 | 16.8 | -1.56 | 140 | ||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | 5.31 | -7.71 | -36.6 | 7.52 | 5.80 | ||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | 5.02 | -7.91 | -25.6 | -5.97 | 3.12 | ||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | 0.675 | 0.670 | 0.719 | 0.719 | 1.08 | |||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | 0.495 | 0.633 | 2.71 | 0.875 | ... | |||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | 1.03 | 1.08 | 1.05 | 1.08 | 1.09 |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||
| Cash | HRK mil | ... | ... | ... | ... | ... | 374 | 489 | 427 | 381 | 638 | |||||||
| Interbank Loans | HRK mil | ... | ... | ... | ... | ... | 273 | 344 | 264 | 344 | 190 | |||||||
| Customer Loans | HRK mil | ... | ... | ... | ... | ... | 1,451 | 1,466 | 1,469 | 1,502 | 1,525 | |||||||
| Retail Loans | HRK mil | ... | ... | ... | ... | ... | 546 | 552 | 571 | 578 | 562 | |||||||
| Mortgage Loans | HRK mil | ... | ... | ... | ... | ... | 245 | 248 | 260 | 267 | 264 | |||||||
| Consumer Loans | HRK mil | ... | ... | ... | ... | ... | 301 | 304 | 312 | 311 | 298 | |||||||
| Corporate Loans | HRK mil | ... | ... | ... | ... | ... | 911 | 985 | 995 | 1,027 | 1,052 | |||||||
| Debt Securities | HRK mil | ... | ... | ... | ... | ... | 366 | 309 | 549 | 633 | 661 | |||||||
| Fixed Assets | HRK mil | ... | ... | ... | ... | ... | 54.0 | 53.0 | 51.3 | 49.4 | 45.8 | |||||||
| Total Assets | HRK mil | 2,531 | 2,671 | 2,805 | 2,926 | 3,090 | ||||||||||||
| Shareholders' Equity | HRK mil | 248 | 255 | 258 | 260 | 262 | ||||||||||||
| Of Which Minority Interest | HRK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Liabilities | HRK mil | 2,282 | 2,416 | 2,546 | 2,666 | 2,828 | ||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | ... | ... | ... | 65.6 | 72.6 | 82.7 | 82.9 | 101 | |||||||
| Customer Deposits | HRK mil | ... | ... | ... | ... | ... | 2,187 | 2,310 | 2,425 | 2,541 | 2,673 | |||||||
| Retail Deposits | HRK mil | ... | ... | ... | ... | ... | 1,834 | 1,937 | 2,014 | 2,072 | 2,143 | |||||||
| Corporate Deposits | HRK mil | ... | ... | ... | ... | ... | 353 | 373 | 411 | 469 | 529 | |||||||
| Sight Deposits | HRK mil | ... | ... | ... | ... | ... | 2,015 | 2,115 | 2,212 | 2,269 | 2,381 | |||||||
| Term Deposits | HRK mil | ... | ... | ... | ... | ... | 172 | 195 | 213 | 272 | 291 | |||||||
| Issued Debt Securities | HRK mil | ... | ... | ... | ... | ... | 18.8 | 23.7 | 29.9 | 33.1 | 42.7 | |||||||
| Other Liabilities | HRK mil | ... | ... | ... | ... | ... | 11.0 | 9.98 | 8.60 | 8.73 | 11.7 | |||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | ... | ... | 186 | 191 | 296 | 345 | 370 | |||||||
| Gross Loans | HRK mil | ... | ... | ... | ... | ... | 1,525 | 1,549 | 1,574 | 1,627 | 1,692 | |||||||
| Total Provisions | HRK mil | ... | ... | ... | ... | ... | 74.1 | 82.5 | 105 | 125 | 167 | |||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | 8.17 | 1.03 | 0.158 | 2.28 | 1.54 | ||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 1.39 | 1.13 | 3.47 | 1.11 | -2.78 | ||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | 4.67 | 1.09 | 4.71 | 2.78 | -1.11 | ||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | -1.14 | 1.17 | 2.46 | -0.280 | -4.22 | ||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 12.7 | 8.11 | 1.03 | 3.20 | 2.48 | ||||||
| Total Asset Growth | % | ... | 5.09 | 5.56 | 4.99 | 4.33 | 5.61 | |||||||||||
| Shareholders' Equity Growth | % | ... | 3.33 | 2.79 | 1.31 | 0.675 | 0.855 | |||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | 4.85 | 5.62 | 4.98 | 4.79 | 5.18 | ||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | 20.0 | 5.59 | 4.00 | 2.86 | 3.46 | ||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | -36.8 | 5.76 | 10.1 | 14.2 | 12.8 | ||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | 0.576 | 0.620 | 0.627 | 0.654 | 0.685 | |||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 0.816 | 1.02 | 1.04 | 1.12 | 1.21 | |||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | 0.461 | 0.476 | 0.495 | 0.491 | 0.474 | |||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 0.426 | 0.437 | 0.462 | 0.472 | 0.466 | |||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | 0.390 | 0.398 | 0.428 | 0.453 | 0.458 | |||||||
| Market Share in Total Assets | % | 0.607 | 0.651 | 0.676 | 0.698 | 0.742 | ||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | 0.991 | 1.02 | 1.03 | 1.04 | 1.04 | |||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | 1.08 | 1.09 | 1.12 | 1.13 | 1.14 | |||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | 0.733 | 0.829 | 0.970 | 1.07 | 0.997 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | 7.67 | 6.85 | 5.00 | 4.65 | 4.76 | |||||||
| ROA | % | ... | ... | ... | ... | ... | 0.758 | 0.663 | 0.469 | 0.421 | 0.414 | |||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 2.84 | 2.61 | 2.43 | 2.36 | 2.32 | |||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | 64.6 | 68.2 | 64.3 | 65.1 | 44.4 | |||||||
| Capital Adequacy Ratio | % | 15.1 | 15.4 | 16.7 | 16.5 | 17.8 | ||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.9 | 16.0 | ||
| Net Interest Margin | % | ... | ... | ... | ... | ... | 2.85 | 2.40 | 2.30 | 2.15 | 2.53 | |||||||
| Interest Spread | % | ... | ... | ... | ... | ... | 2.60 | 2.15 | 2.07 | 1.95 | 2.38 | |||||||
| Asset Yield | % | ... | ... | ... | ... | ... | 5.12 | 4.78 | 4.51 | 4.14 | 4.14 | |||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | 2.51 | 2.63 | 2.44 | 2.19 | 1.76 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 65.0 | 62.8 | 60.9 | 59.2 | 48.6 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 18.7 | 21.5 | 22.3 | 23.4 | 16.8 | |||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 16.3 | 15.7 | 16.7 | 17.5 | 34.7 | |||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 2,524 | 2,349 | 2,402 | 2,321 | 2,123 | |||||||
| Cost Per Employee (Local Currency) | HRK per month | ... | ... | ... | ... | ... | 13,501 | 13,744 | 13,710 | 13,765 | 14,142 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 52.2 | 56.6 | 56.4 | 55.6 | 55.8 | |||||||
| Equity (As % Of Assets) | % | 9.81 | 9.55 | 9.22 | 8.89 | 8.49 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | 66.4 | 63.5 | 60.6 | 59.1 | 57.1 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | 57.3 | 54.9 | 52.4 | 51.3 | 49.4 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 12.2 | 12.3 | 18.8 | 21.2 | 21.8 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 39.9 | 43.3 | 35.6 | 36.2 | 45.1 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 5.11 | 5.62 | 7.16 | 8.32 | 10.9 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 1.08 | 0.693 | 1.59 | 1.46 | 4.78 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||
| Employees | ... | ... | ... | ... | ... | 226 | 233 | 228 | 228 | 229 | ||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | 92.1 | 91.6 | 91.2 | 89.3 | 89.1 |
Get all company financials in excel:
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's corporate deposits reached HRK 933 mil in 2017, up 62.8% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 63.1 bil in 2017, up 8.35% when compared to the last year. Istarska Kreditna ...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag made a net profit of HRK 26.3 mil under revenues of HRK 126 mil in 2017, up 27.3% and 2.93% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 27.4 mil in 2008 and an all time low o...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag made a net profit of HRK 26.3 mil under revenues of HRK 126 mil in 2017, up 27.3% and 2.93% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 27.4 mil in 2008 and an all time low o...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's customer loans reached HRK 1,571 mil in 2017, up 4.70% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Istarska Kreditna Bank...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's customer loans reached HRK 1,571 mil in 2017, up 4.70% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Istarska Kreditna Bank...
By Helgi Library - December 12, 2019
Istarska Kreditna Banka Umag's corporate loans reached HRK 1,157 mil in 2017, down 1.90% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. Istarska Kreditna Ba...
By Helgi Library - December 12, 2019
Istarska Kreditna Banka Umag's corporate loans reached HRK 1,157 mil in 2017, down 1.90% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. Istarska Kreditna Ba...
By Helgi Library - November 29, 2018
Istarska Kreditna Banka Umag's mortgage loans reached HRK 267 mil in 2017, up 0.819% compared to the previous year. Croatian banking sector provided mortgage loans of HRK 50.7 bil in 2017, up 2.37% when compared to the last year. Istarska Kreditna Banka U...
By Helgi Library - November 29, 2018
Istarska Kreditna Banka Umag's mortgage loans reached HRK 267 mil in 2017, up 0.819% compared to the previous year. Croatian banking sector provided mortgage loans of HRK 50.7 bil in 2017, up 2.37% when compared to the last year. Istarska Kreditna Banka U...
By Helgi Library - August 4, 2018
Istarska Kreditna Banka Umag's non-performing loans reached 17.3% of total loans at the end of 2017, down from 22.0% compared to the previous year. Historically, the NPL ratio hit an all time high of 22.0% in 2016 and an all time low of 2.01% in 2006. Provi...
Istarska Kreditna Banka Umag has been growing its revenues and asset by 1.94% and 4.78% a year on average in the last 10 years. Its loans and deposits have grown by 3.16% and 4.56% a year during that time and loans to deposits ratio reached 53.2% at the end of 2017. The company achieved an average return on equity of 7.63% in the last decade with net profit growing -0.369% a year on average. In terms of operating efficiency, its cost to income ratio reached 58.8% in 2017, compared to 61.9% average in the last decade.
Equity represented 8.81% of total assets or 18.9% of loans at the end of 2017. Istarska Kreditna Banka Umag's non-performing loans were 17.3% of total loans while provisions covered some 59.0% of NPLs at the end of 2017.
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