By Helgi Library - August 5, 2018
Podravska Banka's non-performing loans reached 23.5% of total loans at the end of 2017, up from 17.9% compared to the previous ye...
By Helgi Library - August 5, 2018
Podravska Banka's non-performing loans reached 23.5% of total loans at the end of 2017, up from 17.9% compared to the previous ye...
By Helgi Library - August 5, 2018
Podravska Banka's net interest margin amounted to 2.27% in 2017, down from 3.01% compared to the previous year. Historical...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HRK mil | 88.1 | 99.9 | 76.2 |
| Net Fee Income | HRK mil | 24.0 | 24.0 | 23.3 |
| Other Income | HRK mil | 21.1 | 28.0 | 36.7 |
| Total Revenues | HRK mil | 133 | 152 | 136 |
| Staff Cost | HRK mil | 50.3 | 44.5 | 44.6 |
| Operating Profit | HRK mil | 28.8 | 55.7 | 41.6 |
| Provisions | HRK mil | 25.2 | 18.8 | 24.1 |
| Net Profit | HRK mil | 3.30 | 26.0 | 14.1 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HRK mil | 1,872 | 188 | 189 |
| Customer Loans | HRK mil | 1,872 | 1,885 | 1,713 |
| Total Assets | HRK mil | 3,182 | 3,455 | 3,273 |
| Shareholders' Equity | HRK mil | 393 | 427 | 438 |
| Interbank Borrowing | HRK mil | 91.2 | 144 | 38.9 |
| Customer Deposits | HRK mil | 2,349 | 2,374 | 2,417 |
| Issued Debt Securities | HRK mil | 310 | 447 | 333 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 0.850 | 6.35 | 3.26 |
| ROA | % | 0.106 | 0.785 | 0.419 |
| Costs (As % Of Assets) | % | 3.35 | 2.90 | 2.81 |
| Costs (As % Of Income) | % | 78.4 | 63.4 | 69.5 |
| Capital Adequacy Ratio | % | 16.1 | 14.7 | 16.8 |
| Net Interest Margin | % | 2.83 | 3.01 | 2.27 |
| Loans (As % Of Deposits) | % | 79.7 | 79.4 | 70.9 |
| NPLs (As % Of Loans) | % | 20.0 | 17.9 | 23.5 |
| Provisions (As % Of NPLs) | % | 56.3 | 62.5 | 54.9 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 3.14 | 14.1 | -10.3 |
| Operating Cost Growth | % | -4.03 | -7.77 | -1.67 |
| Operating Profit Growth | % | 41.4 | 93.3 | -25.3 |
| Net Profit Growth | % | -123 | 689 | -45.9 |
| Customer Loan Growth | % | 2.67 | 0.666 | -9.13 |
| Total Asset Growth | % | 4.48 | 8.58 | -5.25 |
| Customer Deposit Growth | % | 4.12 | 1.05 | 1.81 |
| Shareholders' Equity Growth | % | 2.57 | 8.52 | 2.65 |
| Employees | 240 | 223 | 221 | |
Get all company financials in excel:
| summary | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Net Interest Income | HRK mil | ... | ... | 109 | 94.5 | 83.4 | 85.3 | 88.1 | ||||||||||
| Total Revenues | HRK mil | ... | ... | 146 | 132 | 131 | 129 | 133 | ||||||||||
| Operating Profit | HRK mil | ... | ... | 36.8 | 16.5 | 19.5 | 20.4 | 28.8 | ||||||||||
| Net Profit | HRK mil | ... | ... | 12.5 | 8.13 | 1.05 | -14.4 | 3.30 | ||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | HRK mil | ... | ... | 176 | 166 | 62.7 | 1,824 | 1,872 | ||||||||||
| Customer Loans | HRK mil | ... | ... | 1,894 | 1,773 | 1,888 | 1,824 | 1,872 | ||||||||||
| Debt Securities | HRK mil | ... | ... | 532 | 580 | 722 | 735 | 714 | ||||||||||
| Total Assets | HRK mil | 2,912 | 3,068 | 3,103 | 3,045 | 3,182 | ||||||||||||
| Shareholders' Equity | HRK mil | 368 | 393 | 394 | 383 | 393 | ||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | 151 | 147 | 69.8 | 106 | 91.2 | ||||||||||
| Customer Deposits | HRK mil | ... | ... | 2,151 | 2,190 | 2,209 | 2,256 | 2,349 | ||||||||||
| Issued Debt Securities | HRK mil | ... | ... | 212 | 286 | 388 | 243 | 310 | ||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | 3.36 | 2.14 | 0.268 | -3.70 | 0.850 | ||||||||||
| ROA | % | ... | ... | 0.437 | 0.272 | 0.034 | -0.468 | 0.106 | ||||||||||
| Costs (As % Of Assets) | % | ... | ... | 3.84 | 3.86 | 3.61 | 3.54 | 3.35 | ||||||||||
| Costs (As % Of Income) | % | ... | ... | 74.9 | 87.5 | 85.1 | 84.2 | 78.4 | ||||||||||
| Capital Adequacy Ratio | % | 16.6 | 17.0 | 19.1 | 16.4 | 16.1 | ||||||||||||
| Net Interest Margin | % | ... | ... | 3.84 | 3.16 | 2.70 | 2.78 | 2.83 | ||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.8 | 71.7 | 63.8 | 66.1 | 66.2 | ||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 17.4 | 17.9 | 17.8 | 18.6 | 18.0 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 46.6 | 46.6 | 45.8 | 46.2 | 48.2 | ||||||||||
| Equity (As % Of Assets) | % | 12.6 | 12.8 | 12.7 | 12.6 | 12.4 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 88.1 | 80.9 | 85.5 | 80.8 | 79.7 | ||||||||||
| Loans (As % Assets) | % | ... | ... | 65.0 | 57.8 | 60.8 | 59.9 | 58.8 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 10.5 | 16.9 | 17.6 | 18.0 | 20.0 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 76.4 | 50.5 | 49.4 | 57.9 | 56.3 | |||||||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | 25.3 | -13.7 | -11.7 | 2.29 | 3.23 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Interest Income | HRK mil | ... | ... | ... | 180 | 172 | 156 | 153 | 147 | |||||||||
| Interest Cost | HRK mil | ... | ... | ... | 70.4 | 77.5 | 72.9 | 67.3 | 59.3 | |||||||||
| Net Interest Income | HRK mil | ... | ... | 109 | 94.5 | 83.4 | 85.3 | 88.1 | ||||||||||
| Net Fee Income | HRK mil | ... | ... | 25.5 | 23.6 | 23.2 | 24.0 | 24.0 | ||||||||||
| Other Income | HRK mil | ... | ... | 11.4 | 13.7 | 24.2 | 19.8 | 21.1 | ||||||||||
| Total Revenues | HRK mil | ... | ... | 146 | 132 | 131 | 129 | 133 | ||||||||||
| Staff Cost | HRK mil | ... | ... | 51.0 | 53.7 | 51.0 | 50.2 | 50.3 | ||||||||||
| Depreciation | HRK mil | ... | ... | 10.1 | 9.47 | 9.56 | 7.49 | 9.06 | ||||||||||
| Other Cost | HRK mil | ... | ... | 48.5 | 52.1 | 50.8 | 51.0 | 45.0 | ||||||||||
| Operating Cost | HRK mil | ... | ... | 110 | 115 | 111 | 109 | 104 | ||||||||||
| Operating Profit | HRK mil | ... | ... | 36.8 | 16.5 | 19.5 | 20.4 | 28.8 | ||||||||||
| Provisions | HRK mil | ... | ... | 21.1 | 6.28 | 17.7 | 37.9 | 25.2 | ||||||||||
| Extra and Other Cost | HRK mil | ... | ... | 0 | < -0.001 | < 0.001 | 0 | 0 | ||||||||||
| Pre-Tax Profit | HRK mil | ... | ... | 15.6 | 10.2 | 1.88 | -17.5 | 3.60 | ||||||||||
| Tax | HRK mil | ... | ... | 3.17 | 2.09 | 0.822 | -3.10 | -0.296 | ||||||||||
| Minorities | HRK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||
| Net Profit | HRK mil | ... | ... | 12.5 | 8.13 | 1.05 | -14.4 | 3.30 | ||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | 25.3 | -13.7 | -11.7 | 2.29 | 3.23 | |||||||||
| Net Fee Income Growth | % | ... | ... | ... | -4.58 | -7.26 | -1.75 | 3.21 | 0.083 | |||||||||
| Total Revenue Growth | % | ... | ... | ... | 5.10 | -9.94 | -0.761 | -1.33 | 3.14 | |||||||||
| Operating Cost Growth | % | ... | ... | ... | 0.141 | 5.21 | -3.50 | -2.30 | -4.03 | |||||||||
| Operating Profit Growth | % | ... | ... | ... | 23.3 | -55.1 | 18.4 | 4.23 | 41.4 | |||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | -2.67 | -34.7 | -81.6 | -1,033 | -121 | |||||||||
| Net Profit Growth | % | ... | ... | ... | -3.92 | -34.8 | -87.0 | -1,467 | -123 | |||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | ... | ... | 0.911 | 0.888 | 0.909 | 0.892 | 0.915 | ||||||||||
| Market Share in Net Profit | % | ... | ... | 0.329 | 0.298 | 0.222 | ... | ... | ||||||||||
| Market Share in Employees | % | ... | ... | 1.44 | 1.36 | 1.32 | 1.31 | 1.15 | ||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||
| Cash | HRK mil | ... | ... | 189 | 389 | 268 | 230 | 321 | ||||||||||
| Interbank Loans | HRK mil | ... | ... | 176 | 166 | 62.7 | 1,824 | 1,872 | ||||||||||
| Customer Loans | HRK mil | ... | ... | 1,894 | 1,773 | 1,888 | 1,824 | 1,872 | ||||||||||
| Retail Loans | HRK mil | ... | ... | 611 | 578 | 589 | 581 | 582 | ||||||||||
| Corporate Loans | HRK mil | ... | ... | 1,449 | 1,354 | 1,481 | 1,454 | 1,528 | ||||||||||
| Debt Securities | HRK mil | ... | ... | 532 | 580 | 722 | 735 | 714 | ||||||||||
| Fixed Assets | HRK mil | ... | ... | 93.5 | 126 | 127 | 131 | 127 | ||||||||||
| Total Assets | HRK mil | 2,912 | 3,068 | 3,103 | 3,045 | 3,182 | ||||||||||||
| Shareholders' Equity | HRK mil | 368 | 393 | 394 | 383 | 393 | ||||||||||||
| Of Which Minority Interest | HRK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Liabilities | HRK mil | 2,544 | 2,675 | 2,709 | 2,662 | 2,788 | ||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | 151 | 147 | 69.8 | 106 | 91.2 | ||||||||||
| Customer Deposits | HRK mil | ... | ... | 2,151 | 2,190 | 2,209 | 2,256 | 2,349 | ||||||||||
| Retail Deposits | HRK mil | ... | ... | 1,610 | 1,684 | 1,661 | 1,672 | 1,819 | ||||||||||
| Corporate Deposits | HRK mil | ... | ... | 541 | 515 | 548 | 584 | 530 | ||||||||||
| Sight Deposits | HRK mil | ... | ... | 639 | 573 | 655 | 620 | 680 | ||||||||||
| Term Deposits | HRK mil | ... | ... | 1,511 | 1,617 | 1,553 | 1,636 | 1,669 | ||||||||||
| Issued Debt Securities | HRK mil | ... | ... | 212 | 286 | 388 | 243 | 310 | ||||||||||
| Other Liabilities | HRK mil | ... | ... | 30.6 | 51.7 | 42.0 | 57.2 | 38.5 | ||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | ... | ... | 217 | 327 | 364 | 367 | 423 | |||||||
| Gross Loans | HRK mil | ... | ... | 2,060 | 1,938 | 2,068 | 2,036 | 2,111 | ||||||||||
| Total Provisions | HRK mil | ... | ... | 166 | 165 | 180 | 212 | 238 | ||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 20.5 | -6.39 | 6.51 | -3.40 | 2.67 | |||||||||
| Retail Loan Growth | % | ... | ... | ... | -4.34 | -5.33 | 1.87 | -1.31 | 0.146 | |||||||||
| Corporate Loan Growth | % | ... | ... | ... | 34.1 | -6.54 | 9.37 | -1.78 | 5.07 | |||||||||
| Total Asset Growth | % | ... | 4.10 | 5.36 | 1.16 | -1.87 | 4.48 | |||||||||||
| Shareholders' Equity Growth | % | ... | -1.65 | 6.80 | 0.382 | -2.73 | 2.57 | |||||||||||
| Customer Deposit Growth | % | ... | ... | ... | 2.03 | 1.84 | 0.850 | 2.14 | 4.12 | |||||||||
| Retail Deposit Growth | % | ... | ... | ... | -1.70 | 4.58 | -1.38 | 0.668 | 8.79 | |||||||||
| Corporate Deposit Growth | % | ... | ... | ... | 15.1 | -4.65 | 6.36 | 6.61 | -9.25 | |||||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | 0.752 | 0.750 | 0.806 | 0.794 | 0.842 | ||||||||||
| Market Share in Corporate Loans | % | ... | ... | 1.30 | 1.40 | 1.55 | 1.58 | 1.75 | ||||||||||
| Market Share in Consumer Loans | % | ... | ... | 0.477 | 0.458 | 0.477 | 0.475 | 0.484 | ||||||||||
| Market Share in Total Assets | % | 0.699 | 0.747 | 0.748 | 0.726 | 0.764 | ||||||||||||
| Market Share in Customer Deposits | % | ... | ... | 0.975 | 0.965 | 0.934 | 0.924 | 0.914 | ||||||||||
| Market Share in Retail Deposits | % | ... | ... | 0.945 | 0.946 | 0.926 | 0.913 | 0.968 | ||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | 1.12 | 1.15 | 1.29 | 1.34 | 0.999 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | 3.36 | 2.14 | 0.268 | -3.70 | 0.850 | ||||||||||
| ROA | % | ... | ... | 0.437 | 0.272 | 0.034 | -0.468 | 0.106 | ||||||||||
| Costs (As % Of Assets) | % | ... | ... | 3.84 | 3.86 | 3.61 | 3.54 | 3.35 | ||||||||||
| Costs (As % Of Income) | % | ... | ... | 74.9 | 87.5 | 85.1 | 84.2 | 78.4 | ||||||||||
| Capital Adequacy Ratio | % | 16.6 | 17.0 | 19.1 | 16.4 | 16.1 | ||||||||||||
| Net Interest Margin | % | ... | ... | 3.84 | 3.16 | 2.70 | 2.78 | 2.83 | ||||||||||
| Interest Spread | % | ... | ... | ... | 3.47 | 2.78 | 2.36 | 2.46 | 2.56 | |||||||||
| Asset Yield | % | ... | ... | 6.30 | 5.75 | 5.07 | 4.96 | 4.73 | ||||||||||
| Cost Of Liabilities | % | ... | ... | ... | 2.83 | 2.97 | 2.71 | 2.50 | 2.17 | |||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 74.8 | 71.7 | 63.8 | 66.1 | 66.2 | ||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 17.4 | 17.9 | 17.8 | 18.6 | 18.0 | ||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | 7.79 | 10.4 | 18.5 | 15.3 | 15.8 | ||||||||||
| Cost Per Employee | USD per month | ... | ... | 2,532 | 2,604 | 2,602 | 2,538 | 2,621 | ||||||||||
| Cost Per Employee (Local Currency) | HRK per month | ... | ... | 13,545 | 15,234 | 14,856 | 15,049 | 17,463 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 46.6 | 46.6 | 45.8 | 46.2 | 48.2 | ||||||||||
| Equity (As % Of Assets) | % | 12.6 | 12.8 | 12.7 | 12.6 | 12.4 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 88.1 | 80.9 | 85.5 | 80.8 | 79.7 | ||||||||||
| Loans (As % Assets) | % | ... | ... | 65.0 | 57.8 | 60.8 | 59.9 | 58.8 | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 10.5 | 16.9 | 17.6 | 18.0 | 20.0 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 76.4 | 50.5 | 49.4 | 57.9 | 56.3 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | 8.77 | 9.31 | 9.52 | 11.6 | 12.7 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 1.22 | 0.343 | 0.965 | 2.04 | 1.36 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||
| Employees | ... | ... | 314 | 294 | 286 | 278 | 240 | |||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | 29.7 | 26.2 | 29.7 | 27.5 | 29.0 |
Get all company financials in excel:
By Helgi Library - August 5, 2018
Podravska Banka's net interest margin amounted to 2.27% in 2017, down from 3.01% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.98% in 2004 and an all time low of 2.27% in 2017. The average marg...
By Helgi Library - August 5, 2018
Podravska Banka's retail deposits reached HRK 1,873 mil in 2017, up 1.21% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Podravska Banka accounted for 0.984...
By Helgi Library - August 5, 2018
Podravska Banka's retail deposits reached HRK 1,873 mil in 2017, up 1.21% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Podravska Banka accounted for 0.984...
By Helgi Library - August 5, 2018
Podravska Banka made a net profit of HRK 14.1 mil under revenues of HRK 136 mil in 2017, up -45.9% and -10.3% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 26.0 mil in 2016 and an all time low of HRK -...
By Helgi Library - August 5, 2018
Podravska Banka made a net profit of HRK 14.1 mil under revenues of HRK 136 mil in 2017, up -45.9% and -10.3% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 26.0 mil in 2016 and an all time low of HRK -...
By Helgi Library - August 5, 2018
Podravska Banka's customer loans reached HRK 1,713 mil in 2017, down 9.13% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Podravska Banka accounted for 0.8...
By Helgi Library - August 5, 2018
Podravska Banka's customer loans reached HRK 1,713 mil in 2017, down 9.13% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Podravska Banka accounted for 0.8...
By Helgi Library - August 5, 2018
Podravska Banka generated total banking revenues of HRK 136 mil in 2017, down 10.3% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 16,001 mil in 2017, down 1.51% when compared to the last year. ...
By Helgi Library - August 5, 2018
Podravska Banka generated total banking revenues of HRK 136 mil in 2017, down 10.3% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 16,001 mil in 2017, down 1.51% when compared to the last year. ...
By Helgi Library - August 5, 2018
Podravska Banka's customer deposits reached HRK 2,417 mil in 2017, up 1.81% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 273 bil in 2017, up 2.57% when compared to the last year. Podravska Banka accounted for 0....
Podravska Banka has been growing its revenues and asset by -1.53% and 1.56% a year on average in the last 10 years. Its loans and deposits have grown by 0.830% and 0.363% a year during that time and loans to deposits ratio reached 70.9% at the end of 2017. The company achieved an average return on equity of 2.65% in the last decade with net profit growing -3.15% a year on average. In terms of operating efficiency, its cost to income ratio reached 69.5% in 2017, compared to 78.2% average in the last decade.
Equity represented 13.4% of total assets or 25.6% of loans at the end of 2017. Podravska Banka's non-performing loans were 23.5% of total loans while provisions covered some 54.9% of NPLs at the end of 2017.
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