Profit Statement |
Balance Sheet |
Ratios |
Growth Rates |
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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.