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NKBM Group

Created with Highcharts 6.0.4Sales and Profits (EUR mil)Total RevenuesNet Profit200320042005200620072008200920102011201220132014201520162017100150200250300-750-500-2500250

NKBM's net interest margin fell 16.8% to 1.69% in 2017

By Helgi Library - September 22, 2018

NKBM Group's net interest margin amounted to 1.69% in 2017, down from 2.04% compared to the previous year. Historically, t...

NKBM's net interest margin fell 16.8% to 1.69% in 2017

By Helgi Library - September 22, 2018

NKBM Group's net interest margin amounted to 1.69% in 2017, down from 2.04% compared to the previous year. Historically, t...

NKBM's employees rose 4.23% to 1,576 in 2017

By Helgi Library - September 22, 2018

NKBM Group employed 1,576 persons in 2017, up 4.23% when compared to the previous year. Historically, the bank's workforce hit a...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 98.1 92.3 82.6
Net Fee Income EUR mil 54.5 42.4 45.5
Other Income EUR mil 22.4 16.1 14.9
Total Revenues EUR mil 175 151 143
Staff Cost EUR mil 45.4 51.5 61.3
Operating Profit EUR mil 65.3 41.2 23.9
Provisions EUR mil 39.1 10.5 -14.8
Net Profit EUR mil 16.6 30.2 47.8
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 61.2 119 42.8
Customer Loans EUR mil 1,808 1,964 2,366
Total Assets EUR mil 4,246 4,823 4,930
Shareholders' Equity EUR mil 623 683 697
Interbank Borrowing EUR mil 346 374 448
Customer Deposits EUR mil 3,095 3,626 3,638
Issued Debt Securities EUR mil 53.2 14.4 1.50
Ratios 2015 2016 2017
ROE % 2.67 4.62 6.93
ROA % 0.385 0.665 0.981
Costs (As % Of Assets) % 2.55 2.42 2.44
Costs (As % Of Income) % 62.7 72.7 83.3
Capital Adequacy Ratio % 25.1 24.0 20.2
Net Interest Margin % 2.28 2.04 1.69
Loans (As % Of Deposits) % 58.4 54.2 65.0
NPLs (As % Of Loans) % 25.2 17.9 12.0
Provisions (As % Of NPLs) % 101 111 117
Growth Rates 2015 2016 2017
Total Revenue Growth % -7.90 -13.9 -5.22
Operating Cost Growth % 2.01 -0.194 8.66
Operating Profit Growth % -20.8 -36.9 -42.1
Net Profit Growth % -24.3 82.1 58.6
Customer Loan Growth % -5.86 8.60 20.5
Total Asset Growth % -2.81 13.6 2.21
Customer Deposit Growth % 0.601 17.2 0.335
Shareholders' Equity Growth % 1.09 9.68 2.06
Employees 1,591 1,512 1,576

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