| Profit Statement | 2016 | 2017 | |
| Net Interest Income | RSD mil | 1,798 | 2,143 |
| Net Fee Income | RSD mil | 499 | 517 |
| Other Income | RSD mil | 276 | 577 |
| Total Revenues | RSD mil | 2,573 | 3,236 |
| Staff Cost | RSD mil | 1,035 | 958 |
| Operating Profit | RSD mil | 95.5 | 443 |
| Provisions | RSD mil | -173 | -5.71 |
| Net Profit | RSD mil | 261 | 446 |
| Balance Sheet | 2016 | 2017 | |
| Interbank Loans | RSD mil | 1,374 | 1,304 |
| Customer Loans | RSD mil | 19,572 | 28,231 |
| Total Assets | RSD mil | 34,238 | 44,121 |
| Shareholders' Equity | RSD mil | 5,713 | 7,391 |
| Interbank Borrowing | RSD mil | 4,716 | 5,334 |
| Customer Deposits | RSD mil | 22,739 | 30,473 |
| Issued Debt Securities | RSD mil | 0 | 0 |
| Ratios | 2016 | 2017 | |
| ROE | % | 4.57 | 6.80 |
| ROA | % | 0.762 | 1.14 |
| Costs (As % Of Assets) | % | 7.24 | 7.13 |
| Costs (As % Of Income) | % | 96.3 | 86.3 |
| Capital Adequacy Ratio | % | ... | 19.9 |
| Net Interest Margin | % | 5.25 | 5.47 |
| Loans (As % Of Deposits) | % | 86.1 | 92.6 |
| NPLs (As % Of Loans) | % | 9.90 | 4.80 |
| Provisions (As % Of NPLs) | % | 127 | 127 |
| Growth Rates | 2016 | 2017 | |
| Total Revenue Growth | % | ... | 25.8 |
| Operating Cost Growth | % | ... | 12.7 |
| Operating Profit Growth | % | ... | 364 |
| Net Profit Growth | % | ... | 70.9 |
| Customer Loan Growth | % | ... | 44.2 |
| Total Asset Growth | % | ... | 28.9 |
| Customer Deposit Growth | % | ... | 34.0 |
| Shareholders' Equity Growth | % | ... | 29.4 |
| Employees | 406 | 431 | |
Get all company financials in excel:
| summary | Unit | 2016 | 2017 |
| income statement | |||
| Net Interest Income | RSD mil | ||
| Total Revenues | RSD mil | ||
| Operating Profit | RSD mil | ||
| Net Profit | RSD mil | ||
| balance sheet | |||
| Interbank Loans | RSD mil | ||
| Customer Loans | RSD mil | ||
| Debt Securities | RSD mil | ||
| Total Assets | RSD mil | ||
| Shareholders' Equity | RSD mil | ||
| Interbank Borrowing | RSD mil | ||
| Customer Deposits | RSD mil | ||
| Issued Debt Securities | RSD mil | ||
| ratios | |||
| ROE | % | ||
| ROA | % | ||
| Costs (As % Of Assets) | % | ||
| Costs (As % Of Income) | % | ||
| Capital Adequacy Ratio | % | ... | |
| Net Interest Margin | % | ||
| Interest Income (As % Of Revenues) | % | ||
| Fee Income (As % Of Revenues) | % | ||
| Staff Cost (As % Of Total Cost) | % | ||
| Equity (As % Of Assets) | % | ||
| Loans (As % Of Deposits) | % | ||
| Loans (As % Assets) | % | ||
| NPLs (As % Of Loans) | % | ||
| Provisions (As % Of NPLs) | % | ||
| valuation | |||
| Book Value Per Share Growth | % | ... |
| income statement | Unit | 2016 | 2017 |
| income statement | |||
| Interest Income | RSD mil | ||
| Interest Cost | RSD mil | ||
| Net Interest Income | RSD mil | ||
| Net Fee Income | RSD mil | ||
| Other Income | RSD mil | ||
| Total Revenues | RSD mil | ||
| Staff Cost | RSD mil | ||
| Depreciation | RSD mil | ||
| Other Cost | RSD mil | ||
| Operating Cost | RSD mil | ||
| Operating Profit | RSD mil | ||
| Provisions | RSD mil | ||
| Extra and Other Cost | RSD mil | ||
| Pre-Tax Profit | RSD mil | ||
| Tax | RSD mil | ||
| Minorities | RSD mil | ||
| Net Profit | RSD mil | ||
| growth rates | |||
| Net Interest Income Growth | % | ... | |
| Net Fee Income Growth | % | ... | |
| Total Revenue Growth | % | ... | |
| Operating Cost Growth | % | ... | |
| Operating Profit Growth | % | ... | |
| Pre-Tax Profit Growth | % | ... | |
| Net Profit Growth | % | ... | |
| market share | |||
| Market Share in Revenues | % | ||
| Market Share in Net Profit | % | ||
| Market Share in Employees | % | ||
| Market Share in Branches | % |
| ratios | Unit | 2016 | 2017 |
| ratios | |||
| ROE | % | ||
| ROA | % | ||
| Costs (As % Of Assets) | % | ||
| Costs (As % Of Income) | % | ||
| Capital Adequacy Ratio | % | ... | |
| Net Interest Margin | % | ||
| Interest Spread | % | ... | |
| Asset Yield | % | ||
| Cost Of Liabilities | % | ... | |
| Interest Income (As % Of Revenues) | % | ||
| Fee Income (As % Of Revenues) | % | ||
| Other Income (As % Of Revenues) | % | ||
| Cost Per Employee | USD per month | ||
| Cost Per Employee (Local Currency) | RSD per month | ||
| Staff Cost (As % Of Total Cost) | % | ||
| Equity (As % Of Assets) | % | ||
| Loans (As % Of Deposits) | % | ||
| Loans (As % Assets) | % | ||
| NPLs (As % Of Loans) | % | ||
| Provisions (As % Of NPLs) | % | ||
| Provisions (As % Of Loans) | % | ||
| Cost of Provisions (As % Of Loans) | % |
Get all company financials in excel:
NLB Serbia has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached 92.6% at the end of 2017. The company achieved an average return on equity of 5.68% in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 86.3% in 2017, compared to 91.3% average in the last three years.
Equity represented 16.8% of total assets or 26.2% of loans at the end of 2017. NLB Serbia's non-performing loans were 4.80% of total loans while provisions covered some 127% of NPLs at the end of 2017.
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