Register

Institutional Sign In

Go
Home » Companies » Banking in Serbia » Komercijalna Banka Beograd

Komercijalna Banka Beograd

Komercijalna's net profit rose 232% to RSD 8,268 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd made a net profit of RSD 8,268 mil under revenues of RSD 20,035 mil in 2017, up 232% and -1.98% respective...

Komercijalna's net profit rose 232% to RSD 8,268 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd made a net profit of RSD 8,268 mil under revenues of RSD 20,035 mil in 2017, up 232% and -1.98% respective...

Komercijalna's mortgage loans fell 0.394% to RSD 41,445 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's mortgage loans reached RSD 41,445 mil in 2017, down 0.394% compared to the previous year. Serbian ...

Annual Quarterly LTM
Profit Statement 2015 2016 2017
Net Interest Income RSD mil 13,530 14,456 13,517
Net Fee Income RSD mil 4,900 5,094 5,414
Other Income RSD mil 464 890 1,104
Total Revenues RSD mil 18,893 20,440 20,035
Staff Cost RSD mil 4,122 5,059 5,131
Operating Profit RSD mil 6,594 6,546 7,316
Provisions RSD mil 13,009 13,080 0
Net Profit RSD mil -6,300 -6,241 8,268
Balance Sheet 2015 2016 2017
Interbank Loans RSD mil 16,844 40,601 29,544
Customer Loans RSD mil 179,423 150,411 153,897
Total Assets RSD mil 391,857 400,017 369,184
Shareholders' Equity RSD mil 61,457 55,424 63,260
Interbank Borrowing RSD mil 17,159 7,835 4,533
Customer Deposits RSD mil 300,006 322,621 292,472
Issued Debt Securities RSD mil 6,078 6,178 0
Ratios 2015 2016 2017
ROE % -9.43 -10.7 13.9
ROA % -1.53 -1.58 2.15
Costs (As % Of Assets) % 2.99 3.51 3.31
Costs (As % Of Income) % 65.1 68.0 63.5
Capital Adequacy Ratio % 22.7 27.0 27.9
Net Interest Margin % 3.29 3.65 3.51
Loans (As % Of Deposits) % 59.8 46.6 52.6
NPLs (As % Of Loans) % 18.8 22.2 15.7
Provisions (As % Of NPLs) % 93.5 79.0 69.4
Growth Rates 2015 2016 2017
Total Revenue Growth % -5.46 8.19 -1.98
Operating Cost Growth % -0.579 13.0 -8.46
Operating Profit Growth % -13.4 -0.736 11.8
Net Profit Growth % -231 -0.929 -232
Customer Loan Growth % -12.0 -16.2 2.32
Total Asset Growth % -9.02 2.08 -7.71
Customer Deposit Growth % -6.57 7.54 -9.35
Shareholders' Equity Growth % -14.8 -9.82 14.1
Employees 2,877 2,858 2,806

Get all company financials in excel:

Download Sample   $19.99

summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                          
Net Interest Income RSD mil             10,931 12,133 14,129 14,436 13,530    
Total Revenues RSD mil             28,989 35,295 19,757 19,985 18,893    
Operating Profit RSD mil             5,476 6,371 7,760 7,615 6,594    
Net Profit RSD mil             3,535 3,946 4,462 4,795 -6,300    
balance sheet                          
Interbank Loans RSD mil             59,039 45,826 35,680 35,734 16,844    
Customer Loans RSD mil             169,380 194,416 195,554 203,829 179,423    
Debt Securities RSD mil             31,243 47,705 59,529 99,470 128,024    
Total Assets RSD mil             292,679 343,171 384,296 430,702 391,857    
Shareholders' Equity RSD mil             46,044 62,073 67,042 72,101 61,457    
Interbank Borrowing RSD mil             2,256 14,729 23,227 26,248 17,159    
Customer Deposits RSD mil             219,923 250,485 283,075 321,094 300,006    
Issued Debt Securities RSD mil             0 5,655 5,711 6,037 6,078    
ratios                          
ROE %             7.96 7.30 6.91 6.89 -9.43    
ROA %             1.25 1.24 1.23 1.18 -1.53    
Costs (As % Of Assets) %             8.32 9.10 3.30 3.04 2.99    
Costs (As % Of Income) %             81.1 81.9 60.7 61.9 65.1    
Capital Adequacy Ratio % ... ... ...       18.3 22.4 19.0 17.7 22.7    
Net Interest Margin %             3.87 3.82 3.88 3.54 3.29    
Interest Income (As % Of Revenues) %             37.7 34.4 71.5 72.2 71.6    
Fee Income (As % Of Revenues) %             16.1 13.7 24.4 24.9 25.9    
Staff Cost (As % Of Total Cost) %             18.6 16.3 39.9 38.4 33.5    
Equity (As % Of Assets) %             15.7 18.1 17.4 16.7 15.7    
Loans (As % Of Deposits) %             77.0 77.6 69.1 63.5 59.8    
Loans (As % Assets) %             57.9 56.7 50.9 47.3 45.8    
NPLs (As % Of Loans) % ... ... ...       23.8 16.3 20.1 21.9 18.8    
Provisions (As % Of NPLs) % ... ... ...       26.4 38.2 46.8 49.2 93.5    
valuation                          
Book Value Per Share Growth % ...           30.6 11.0 16.4 2.18 -6.28    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                          
Interest Income RSD mil             19,372 21,722 23,647 22,792 18,856    
Interest Cost RSD mil             8,441 9,588 9,518 8,355 5,327    
Net Interest Income RSD mil             10,931 12,133 14,129 14,436 13,530    
Net Fee Income RSD mil             4,669 4,830 4,829 4,984 4,900    
Other Income RSD mil             13,389 18,331 800 565 464    
Total Revenues RSD mil             28,989 35,295 19,757 19,985 18,893    
Staff Cost RSD mil             4,371 4,709 4,785 4,745 4,122    
Depreciation RSD mil             759 843 879 933 797    
Other Cost RSD mil             18,383 23,372 6,333 6,692 7,380    
Operating Cost RSD mil             23,512 28,924 11,997 12,371 12,299    
Operating Profit RSD mil             5,476 6,371 7,760 7,615 6,594    
Provisions RSD mil             1,488 1,946 3,360 2,821 13,009    
Extra and Other Cost RSD mil             < -0.001 0 0 0.284 0    
Pre-Tax Profit RSD mil             3,988 4,424 4,401 4,793 -6,414    
Tax RSD mil             453 -478 -61.3 -2.58 -115    
Minorities RSD mil             0 0 0 0 0    
Net Profit RSD mil             3,535 3,946 4,462 4,795 -6,300    
growth rates                          
Net Interest Income Growth % ...           30.6 11.0 16.4 2.18 -6.28    
Net Fee Income Growth % ...           14.0 3.46 -0.021 3.20 -1.69    
Total Revenue Growth % ...           5.71 21.8 -44.0 1.15 -5.46    
Operating Cost Growth % ...           3.72 23.0 -58.5 3.11 -0.579    
Operating Profit Growth % ...           15.2 16.3 21.8 -1.88 -13.4    
Pre-Tax Profit Growth % ...           25.7 10.9 -0.538 8.91 -234    
Net Profit Growth % ...           22.4 11.6 13.1 7.47 -231    
market share                          
Market Share in Revenues %             17.6 20.9 12.1 11.4 10.3    
Market Share in Net Profit %             283 33.9 ... 211 ... ...  
Market Share in Employees %             11.2 11.5 11.2 11.6 11.9    
Market Share in Branches % ... ...         9.78 11.1 12.8 15.6 15.4    
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                          
Cash RSD mil             19,246 42,053 75,137 72,634 63,524    
Interbank Loans RSD mil             59,039 45,826 35,680 35,734 16,844    
Customer Loans RSD mil             169,380 194,416 195,554 203,829 179,423    
Retail Loans RSD mil ... ... ...       48,556 55,917 61,849 69,039 70,785    
Mortgage Loans RSD mil ... ... ...       25,894 30,109 35,829 40,114 40,543    
Consumer Loans RSD mil ... ... ...       22,662 25,808 26,020 28,925 30,242    
Corporate Loans RSD mil ... ... ...       98,486 118,860 112,261 112,768 89,204    
Debt Securities RSD mil             31,243 47,705 59,529 99,470 128,024    
Fixed Assets RSD mil             8,478 8,516 7,462 7,057 6,356    
Total Assets RSD mil             292,679 343,171 384,296 430,702 391,857    
Shareholders' Equity RSD mil             46,044 62,073 67,042 72,101 61,457    
Of Which Minority Interest RSD mil             0.056 0.062 0.063 0.067 0.067    
Liabilities RSD mil             246,635 281,097 317,254 358,601 330,400    
Interbank Borrowing RSD mil             2,256 14,729 23,227 26,248 17,159    
Customer Deposits RSD mil             219,923 250,485 283,075 321,094 300,006    
Retail Deposits RSD mil ... ... ...       143,062 164,533 194,796 216,147 227,735    
Corporate Deposits RSD mil ... ... ...       76,861 85,952 88,280 104,948 72,271    
Issued Debt Securities RSD mil             0 5,655 5,711 6,037 6,078    
Other Liabilities RSD mil             24,457 10,228 5,240 5,223 7,157    
asset quality                          
Non-Performing Loans RSD mil ... ... ...       43,079 33,847 43,384 49,971 40,792    
Gross Loans RSD mil             180,761 207,358 215,839 228,398 217,556    
Total Provisions RSD mil ... ... ...       11,380 12,942 20,284 24,569 38,134    
growth rates                          
Customer Loan Growth % ...           3.78 14.8 0.586 4.23 -12.0    
Retail Loan Growth % ... ... ... ...     7.01 15.2 10.6 11.6 2.53    
Mortgage Loan Growth % ... ... ... ...     6.90 16.3 19.0 12.0 1.07    
Consumer Loan Growth % ... ... ... ...     7.14 13.9 0.820 11.2 4.55    
Corporate Loan Growth % ... ... ... ...     9.13 20.7 -5.55 0.452 -20.9    
Total Asset Growth % ...           7.52 17.3 12.0 12.1 -9.02    
Shareholders' Equity Growth % ...           7.74 34.8 8.00 7.55 -14.8    
Customer Deposit Growth % ...           3.43 13.9 13.0 13.4 -6.57    
Retail Deposit Growth % ... ... ... ...     9.24 15.0 18.4 11.0 5.36    
Corporate Deposit Growth % ... ... ... ...     -5.88 11.8 2.71 18.9 -31.1    
market share                          
Market Share in Customer Loans %             8.52 8.64 8.86 8.55 7.12    
Market Share in Corporate Loans % ... ... ...       9.68 10.6 11.1 11.6 8.99    
Market Share in Retail Loans % ... ... ...       6.96 7.52 7.26 7.46 7.33    
Market Share in Consumer Loans % ... ... ...       8.07 8.57 9.18 9.53 9.33    
Market Share in Mortgage Loans % ... ... ...       9.38 9.72 11.4 11.9 11.7    
Market Share in Total Assets %             10.1 10.9 12.2 13.0 11.4    
Market Share in Customer Deposits %             15.9 16.4 17.8 18.7 16.4    
Market Share in Retail Deposits % ... ... ...       16.7 16.6 19.0 19.7 20.1    
Market Share in Corporate Deposits % ... ... ...       18.2 19.9 20.6 21.0 12.5    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                          
ROE %             7.96 7.30 6.91 6.89 -9.43    
ROA %             1.25 1.24 1.23 1.18 -1.53    
Costs (As % Of Assets) %             8.32 9.10 3.30 3.04 2.99    
Costs (As % Of Income) %             81.1 81.9 60.7 61.9 65.1    
Capital Adequacy Ratio % ... ... ...       18.3 22.4 19.0 17.7 22.7    
Net Interest Margin %             3.87 3.82 3.88 3.54 3.29    
Interest Spread % ...           3.31 3.20 3.32 3.12 3.04    
Asset Yield %             6.86 6.83 6.50 5.59 4.58    
Cost Of Liabilities % ...           3.55 3.63 3.18 2.47 1.55    
Interest Income (As % Of Revenues) %             37.7 34.4 71.5 72.2 71.6    
Fee Income (As % Of Revenues) %             16.1 13.7 24.4 24.9 25.9    
Other Income (As % Of Revenues) %             46.2 51.9 4.05 2.83 2.45    
Cost Per Employee USD per month             1,513 1,371 1,579 1,486 1,130    
Cost Per Employee (Local Currency) RSD per month             110,974 120,587 134,437 136,077 119,383    
Staff Cost (As % Of Total Cost) %             18.6 16.3 39.9 38.4 33.5    
Equity (As % Of Assets) %             15.7 18.1 17.4 16.7 15.7    
Loans (As % Of Deposits) %             77.0 77.6 69.1 63.5 59.8    
Loans (As % Assets) %             57.9 56.7 50.9 47.3 45.8    
NPLs (As % Of Loans) % ... ... ...       23.8 16.3 20.1 21.9 18.8    
Provisions (As % Of NPLs) % ... ... ...       26.4 38.2 46.8 49.2 93.5    
Provisions (As % Of Loans) % ... ... ...       6.72 6.66 10.4 12.1 21.3    
Cost of Provisions (As % Of Loans) %             0.895 1.07 1.72 1.41 6.79    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                          
Branches ... ...         233 250 254 278 266    
Employees             3,282 3,254 2,966 2,906 2,877    

Get all company financials in excel:

Download Sample   $19.99

Komercijalna's mortgage loans fell 0.394% to RSD 41,445 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's mortgage loans reached RSD 41,445 mil in 2017, down 0.394% compared to the previous year. Serbian banking sector provided mortgage loans of RSD 356 bil in 2017, down 1.10% when compared to the last year. Komercijalna Banka Beo...

Komercijalna's employees fell 1.82% to 2,806 in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd employed 2,806 persons in 2017, down 1.82% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,444 persons in 2008 and an all time low of 2,806 in 2017. Average cost reached USD 1,414 per mont...

Komercijalna's employees fell 1.82% to 2,806 in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd employed 2,806 persons in 2017, down 1.82% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,444 persons in 2008 and an all time low of 2,806 in 2017. Average cost reached USD 1,414 per mont...

Komercijalna's retail deposits fell 0.553% to RSD 230,034 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's retail deposits reached RSD 230,034 mil in 2017, down 0.553% compared to the previous year. Serbian banking sector accepted retail deposits of RSD 1,223 bil in 2017, up 1.09% when compared to the last year. Komercijalna Banka ...

Komercijalna's retail deposits fell 0.553% to RSD 230,034 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's retail deposits reached RSD 230,034 mil in 2017, down 0.553% compared to the previous year. Serbian banking sector accepted retail deposits of RSD 1,223 bil in 2017, up 1.09% when compared to the last year. Komercijalna Banka ...

Komercijalna's costs (as % of assets) fell 5.77% to 3.31% in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's cost to income ratio reached 63.5% in 2017, down from 68.0% compared to the previous year. Historically, the bank’s costs reached an all time high of 83.7% of income in 2008 and an all time low of 60.7% in 2013. When compared t...

Komercijalna's costs (as % of assets) fell 5.77% to 3.31% in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's cost to income ratio reached 63.5% in 2017, down from 68.0% compared to the previous year. Historically, the bank’s costs reached an all time high of 83.7% of income in 2008 and an all time low of 60.7% in 2013. When compared t...

Komercijalna's npls (as % of loans) fell 29.6% to 15.7% in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's non-performing loans reached 15.7% of total loans at the end of 2017, down from 22.2% compared to the previous year. Historically, the NPL ratio hit an all time high of 23.8% in 2011 and an all time low of 12.7% in 2010. Provisi...

Komercijalna's npls (as % of loans) fell 29.6% to 15.7% in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's non-performing loans reached 15.7% of total loans at the end of 2017, down from 22.2% compared to the previous year. Historically, the NPL ratio hit an all time high of 23.8% in 2011 and an all time low of 12.7% in 2010. Provisi...

Komercijalna's corporate loans fell 3.18% to RSD 71,726 mil in 2017

By Helgi Library - September 17, 2018

Komercijalna Banka Beograd's loans reached RSD 172,671 mil in the 2017, down from RSD 182,502 mil compared to the previous year. Historically, the bank’s loans reached an all time high of RSD 228,398 mil in 2014 and an all time low of RSD 125,807 mil in 2008....

More News

Komercijalna Banka a.d. Beograd is a Serbia-based universal bank. The Bank with its subsidiaries is the second largest Serbian banking and financial groups holding around 12% of the Serbian banking assets. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, Komercijalna Banka operated through a network of 254 branches across Serbia serving over 700,000 customers with a help of over 3,200 employees.

Komercijalna Banka Beograd Logo

Finance

Komercijalna Banka Beograd has been growing its revenues and asset by 2.12% and 8.86% a year on average in the last 10 years. Its loans and deposits have grown by 4.54% and 8.50% a year during that time and loans to deposits ratio reached 52.6% at the end of 2017. The company achieved an average return on equity of 5.04% in the last decade with net profit growing 9.90% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.5% in 2017, compared to 73.2% average in the last decade.

Equity represented 17.1% of total assets or 41.1% of loans at the end of 2017. Komercijalna Banka Beograd's non-performing loans were 15.7% of total loans while provisions covered some 69.4% of NPLs at the end of 2017.

More Companies in Serbian Banking Sector

Helgi Library
Eliášova 38, Prague 6, 160 00, Czech Republic
Copyright © 2024 Helgi Library. All rights reserved.