Finance
Karlovacka Banka has been growing its revenues and asset by
4.87% and 8.24%
a year on average in the last 3 years.
Its loans and deposits have grown by
3.93% and 9.58%
a year during that time and loans to deposits ratio reached
58.0% at the end of 2017.
The company achieved an average return on equity of
-3.63%
in the last three years with net profit growing
12.2%
a year on average.
In terms of operating efficiency, its cost to income ratio reached
58.7% in 2017,
compared to 72.4% average in the last three years.
Equity represented 6.48% of total assets or
12.6% of loans at the end of 2017.
Karlovacka Banka's non-performing loans were 17.5% of total loans
while provisions covered some 64.7% of NPLs
at the end of 2017.
Helgi Library 
