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Podravska Banka

Created with Highcharts 6.0.4Sales and Profits (HRK mil)Total RevenuesNet Profit20032004200520062007200820092010201120122013201420152016201775100125150175-2002040

Podravska Banka's npls (as % of loans) rose 31.0% to 23.5% in 2017

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...

Podravska Banka's npls (as % of loans) rose 31.0% to 23.5% in 2017

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...

Podravska Banka's net interest margin fell 24.7% to 2.27% in 2017

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

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