By Helgi Library - December 12, 2019
Postova Banka's customer deposits reached EUR 3,604 mil in 2017, up 0.216% compared to the previous year. Slovak banking sector...
By Helgi Library - December 12, 2019
Postova Banka's customer deposits reached EUR 3,604 mil in 2017, up 0.216% compared to the previous year. Slovak banking sector...
By Helgi Library - December 12, 2019
Postova Banka's customer loans reached EUR 2,181 mil in 2017, up 8.22% compared to the previous year. Slovak banking sector pro...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 190 | 164 | 160 |
| Net Fee Income | EUR mil | 27.4 | 21.2 | 22.1 |
| Other Income | EUR mil | 17.6 | 11.4 | 16.5 |
| Total Revenues | EUR mil | 235 | 196 | 198 |
| Staff Cost | EUR mil | 46.8 | 32.4 | 37.5 |
| Operating Profit | EUR mil | 141 | 122 | 109 |
| Provisions | EUR mil | 70.4 | 52.7 | 46.0 |
| Net Profit | EUR mil | 48.7 | 49.3 | 47.9 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 2.48 | 47.6 | 55.4 |
| Customer Loans | EUR mil | 2,134 | 2,016 | 2,181 |
| Total Assets | EUR mil | 4,181 | 4,256 | 4,311 |
| Shareholders' Equity | EUR mil | 605 | 607 | 643 |
| Interbank Borrowing | EUR mil | 3.93 | 4.24 | 5.57 |
| Customer Deposits | EUR mil | 3,507 | 3,596 | 3,604 |
| Issued Debt Securities | EUR mil | 8.01 | 8.01 | 8.01 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 8.29 | 8.13 | 7.66 |
| ROA | % | 1.16 | 1.17 | 1.12 |
| Costs (As % Of Assets) | % | 2.24 | 1.77 | 2.08 |
| Costs (As % Of Income) | % | 39.9 | 38.0 | 44.9 |
| Capital Adequacy Ratio | % | 16.8 | 17.6 | 17.9 |
| Net Interest Margin | % | 4.54 | 3.88 | 3.73 |
| Loans (As % Of Deposits) | % | 60.9 | 56.0 | 60.5 |
| NPLs (As % Of Loans) | % | 8.90 | 11.7 | 9.52 |
| Provisions (As % Of NPLs) | % | 66.7 | 60.1 | 70.7 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -5.19 | -16.6 | 1.06 |
| Operating Cost Growth | % | -9.55 | -20.7 | 19.5 |
| Operating Profit Growth | % | -2.07 | -13.9 | -10.3 |
| Net Profit Growth | % | 10.9 | 1.08 | -2.78 |
| Customer Loan Growth | % | -6.55 | -5.55 | 8.22 |
| Total Asset Growth | % | -0.662 | 1.81 | 1.29 |
| Customer Deposit Growth | % | -1.41 | 2.54 | 0.215 |
| Shareholders' Equity Growth | % | 6.13 | 0.344 | 5.87 |
| Employees | 1,393 | 891 | 1,051 | |
Get all company financials in excel:
| summary | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | ... | ... | 156 | 175 | 191 | 211 | 190 | ||||||||||
| Total Revenues | EUR mil | ... | ... | ... | ... | ... | 183 | 203 | 239 | 248 | 235 | ||||||||||
| Operating Profit | EUR mil | ... | ... | ... | ... | ... | 30.3 | 96.7 | 141 | 144 | 141 | ||||||||||
| Net Profit | EUR mil | ... | ... | ... | ... | ... | -217 | 65.6 | 69.6 | 43.9 | 48.7 | ||||||||||
| balance sheet | |||||||||||||||||||||
| Interbank Loans | EUR mil | ... | ... | ... | 14.0 | 104 | 0.407 | 1.81 | 2.48 | ||||||||||||
| Customer Loans | EUR mil | ... | ... | ... | 1,371 | 1,723 | 1,875 | 2,284 | 2,134 | ||||||||||||
| Debt Securities | EUR mil | ... | ... | ... | 1,161 | 1,380 | 1,538 | 1,419 | 1,326 | ||||||||||||
| Total Assets | EUR mil | ... | ... | ... | 3,136 | 3,415 | 3,843 | 4,208 | 4,181 | ||||||||||||
| Shareholders' Equity | EUR mil | ... | ... | ... | 330 | 404 | 464 | 570 | 605 | ||||||||||||
| Interbank Borrowing | EUR mil | ... | ... | ... | 100 | 61.1 | 7.63 | 13.5 | 3.93 | ||||||||||||
| Customer Deposits | EUR mil | ... | ... | ... | 2,665 | 2,830 | 3,268 | 3,557 | 3,507 | ||||||||||||
| Issued Debt Securities | EUR mil | ... | ... | ... | 8.08 | 8.77 | 9.46 | 8.05 | 8.01 | ||||||||||||
| ratios | |||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | -81.6 | 17.9 | 16.0 | 8.50 | 8.29 | ||||||||||
| ROA | % | ... | ... | ... | ... | ... | -7.60 | 2.00 | 1.92 | 1.09 | 1.16 | ||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 5.35 | 3.26 | 2.71 | 2.58 | 2.24 | ||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | 83.4 | 52.4 | 41.2 | 41.8 | 39.9 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.3 | 16.8 | ||
| Net Interest Margin | % | ... | ... | ... | ... | ... | 5.45 | 5.35 | 5.27 | 5.25 | 4.54 | ||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 85.1 | 86.1 | 79.9 | 85.2 | 80.9 | ||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 10.1 | 9.54 | 8.05 | 6.21 | 11.6 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 20.6 | 37.5 | 43.9 | 44.7 | 49.8 | ||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 10.5 | 11.8 | 12.1 | 13.5 | 14.5 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 51.4 | 60.9 | 57.4 | 64.2 | 60.9 | ||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | 43.7 | 50.4 | 48.8 | 54.3 | 51.0 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 6.86 | 7.64 | 10.1 | 12.3 | 8.90 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 51.8 | 44.3 | 50.0 | 45.9 | 66.7 | ||||||||||
| valuation | |||||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | 25.5 | 12.6 | 9.16 | 10.6 | -9.98 |
| income statement | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||||||
| Interest Income | EUR mil | ... | ... | ... | ... | ... | 203 | 233 | 250 | 259 | 232 | ||||||||||
| Interest Cost | EUR mil | ... | ... | ... | ... | ... | 47.9 | 57.4 | 59.0 | 47.8 | 41.2 | ||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | ... | ... | 156 | 175 | 191 | 211 | 190 | ||||||||||
| Net Fee Income | EUR mil | ... | ... | ... | ... | ... | 18.5 | 19.4 | 19.3 | 15.4 | 27.4 | ||||||||||
| Other Income | EUR mil | ... | ... | ... | ... | ... | 8.82 | 8.85 | 28.7 | 21.4 | 17.6 | ||||||||||
| Total Revenues | EUR mil | ... | ... | ... | ... | ... | 183 | 203 | 239 | 248 | 235 | ||||||||||
| Staff Cost | EUR mil | ... | ... | ... | ... | ... | 31.5 | 40.0 | 43.3 | 46.4 | 46.8 | ||||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | 6.73 | 8.49 | 10.3 | 8.94 | 10.6 | ||||||||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | 114 | 58.2 | 44.9 | 48.5 | 36.5 | ||||||||||
| Operating Cost | EUR mil | ... | ... | ... | ... | ... | 152 | 107 | 98.5 | 104 | 93.9 | ||||||||||
| Operating Profit | EUR mil | ... | ... | ... | ... | ... | 30.3 | 96.7 | 141 | 144 | 141 | ||||||||||
| Provisions | EUR mil | ... | ... | ... | ... | ... | 296 | 23.2 | 39.2 | 80.2 | 70.4 | ||||||||||
| Extra and Other Cost | EUR mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0.003 | ||||||||||
| Pre-Tax Profit | EUR mil | ... | ... | ... | ... | ... | -266 | 73.5 | 102 | 64.2 | 71.0 | ||||||||||
| Tax | EUR mil | ... | ... | ... | ... | ... | -49.2 | 7.91 | 31.9 | 20.3 | 22.2 | ||||||||||
| Minorities | EUR mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0.064 | 0.170 | ||||||||||
| Net Profit | EUR mil | ... | ... | ... | ... | ... | -217 | 65.6 | 69.6 | 43.9 | 48.7 | ||||||||||
| growth rates | |||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | 25.5 | 12.6 | 9.16 | 10.6 | -9.98 | |||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | -23.0 | 5.23 | -0.814 | -20.0 | 77.6 | |||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | 9.48 | 11.3 | 17.6 | 3.82 | -5.19 | |||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | 112 | -30.0 | -7.68 | 5.49 | -9.55 | |||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | -68.1 | 219 | 45.4 | 2.65 | -2.07 | |||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | -465 | -128 | 38.1 | -36.7 | 10.6 | |||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | -492 | -130 | 6.09 | -36.9 | 10.9 | |||||||||
| market share | |||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | 7.47 | 9.70 | 10.3 | 10.1 | 10.3 | ||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | 13.7 | 12.7 | 7.84 | 8.04 | ||||||||||
| Market Share in Employees | % | 5.78 | 6.66 | 7.00 | 7.31 | 7.37 | |||||||||||||||
| Market Share in Branches | % | 3.87 | 3.86 | 4.44 | 4.45 | 4.76 |
| balance sheet | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||||||||
| Cash | EUR mil | ... | ... | ... | 149 | 47.6 | 292 | 367 | 571 | ||||||||||||
| Interbank Loans | EUR mil | ... | ... | ... | 14.0 | 104 | 0.407 | 1.81 | 2.48 | ||||||||||||
| Customer Loans | EUR mil | ... | ... | ... | 1,371 | 1,723 | 1,875 | 2,284 | 2,134 | ||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 448 | 551 | 624 | 668 | 681 | ||||||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 974 | 1,233 | 1,352 | 1,752 | 1,587 | ||||||
| Debt Securities | EUR mil | ... | ... | ... | 1,161 | 1,380 | 1,538 | 1,419 | 1,326 | ||||||||||||
| Fixed Assets | EUR mil | ... | ... | ... | 45.8 | 55.8 | 47.8 | 50.8 | 47.3 | ||||||||||||
| Total Assets | EUR mil | ... | ... | ... | 3,136 | 3,415 | 3,843 | 4,208 | 4,181 | ||||||||||||
| Shareholders' Equity | EUR mil | ... | ... | ... | 330 | 404 | 464 | 570 | 605 | ||||||||||||
| Of Which Minority Interest | EUR mil | ... | ... | ... | 0 | 0 | 0 | 0.145 | 3.31 | ||||||||||||
| Liabilities | EUR mil | ... | ... | ... | 2,806 | 3,011 | 3,379 | 3,638 | 3,576 | ||||||||||||
| Interbank Borrowing | EUR mil | ... | ... | ... | 100 | 61.1 | 7.63 | 13.5 | 3.93 | ||||||||||||
| Customer Deposits | EUR mil | ... | ... | ... | 2,665 | 2,830 | 3,268 | 3,557 | 3,507 | ||||||||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,083 | 1,307 | 1,507 | ... | ... |
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,185 | 2,250 | 2,000 | ... | ... |
| Issued Debt Securities | EUR mil | ... | ... | ... | 8.08 | 8.77 | 9.46 | 8.05 | 8.01 | ||||||||||||
| Other Liabilities | EUR mil | ... | ... | ... | 32.5 | 111 | 94.3 | 59.8 | 56.6 | ||||||||||||
| asset quality | |||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | ... | 97.6 | 136 | 200 | 299 | 202 | ||||||||||
| Gross Loans | EUR mil | ... | ... | ... | ... | ... | 1,422 | 1,783 | 1,976 | 2,421 | 2,269 | ||||||||||
| Total Provisions | EUR mil | ... | ... | ... | ... | ... | 50.6 | 60.3 | 100 | 137 | 135 | ||||||||||
| growth rates | |||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 22.8 | 25.7 | 8.86 | 21.8 | -6.55 | |||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37.8 | 22.9 | 13.4 | 7.09 | 1.95 | |||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.0 | 26.6 | 9.66 | 29.7 | -9.42 | |||||
| Total Asset Growth | % | ... | ... | ... | ... | 22.2 | 8.89 | 12.5 | 9.51 | -0.662 | |||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 64.1 | 22.5 | 14.7 | 22.9 | 6.13 | |||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | 20.0 | 6.17 | 15.5 | 8.85 | -1.41 | |||||||||||
| market share | |||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | 3.77 | 4.64 | 4.78 | 5.47 | 4.69 | ||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.27 | 8.23 | 9.25 | 12.2 | 10.1 | ||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.61 | 2.93 | 3.04 | 2.90 | 2.63 | ||||||
| Market Share in Total Assets | % | ... | ... | ... | 5.32 | 5.72 | 6.30 | 6.55 | 6.05 | ||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | 6.64 | 6.68 | 7.38 | 7.72 | 6.95 |
| ratios | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | -81.6 | 17.9 | 16.0 | 8.50 | 8.29 | ||||||||||
| ROA | % | ... | ... | ... | ... | ... | -7.60 | 2.00 | 1.92 | 1.09 | 1.16 | ||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | 5.35 | 3.26 | 2.71 | 2.58 | 2.24 | ||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | 83.4 | 52.4 | 41.2 | 41.8 | 39.9 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.3 | 16.8 | ||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.1 | 16.5 | ||
| Net Interest Margin | % | ... | ... | ... | ... | ... | 5.45 | 5.35 | 5.27 | 5.25 | 4.54 | ||||||||||
| Interest Spread | % | ... | ... | ... | ... | ... | 5.28 | 5.13 | 5.05 | 5.08 | 4.38 | ||||||||||
| Asset Yield | % | ... | ... | ... | ... | ... | 7.13 | 7.10 | 6.89 | 6.44 | 5.52 | ||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | 1.85 | 1.97 | 1.85 | 1.36 | 1.14 | ||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 85.1 | 86.1 | 79.9 | 85.2 | 80.9 | ||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 10.1 | 9.54 | 8.05 | 6.21 | 11.6 | ||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | 4.83 | 4.35 | 12.0 | 8.62 | 7.50 | ||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 3,417 | 3,441 | 3,687 | 3,652 | 3,211 | ||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | ... | 2,458 | 2,680 | 2,777 | 2,834 | 2,801 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | 20.6 | 37.5 | 43.9 | 44.7 | 49.8 | ||||||||||
| Equity (As % Of Assets) | % | ... | ... | ... | 10.5 | 11.8 | 12.1 | 13.5 | 14.5 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 51.4 | 60.9 | 57.4 | 64.2 | 60.9 | ||||||||||||
| Loans (As % Assets) | % | ... | ... | ... | 43.7 | 50.4 | 48.8 | 54.3 | 51.0 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 6.86 | 7.64 | 10.1 | 12.3 | 8.90 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 51.8 | 44.3 | 50.0 | 45.9 | 66.7 | ||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 3.69 | 3.50 | 5.34 | 6.00 | 6.32 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 23.8 | 1.50 | 2.18 | 3.86 | 3.19 |
| other data | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||||||||||
| Branches | 40.0 | 41.0 | 42.0 | 42.0 | 45.0 | ||||||||||||||||
| Employees | 1,067 | 1,243 | 1,298 | 1,364 | 1,393 | ||||||||||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.00 | ... | ... | ... | ... |
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.1 | 36.7 | 43.0 | ... | ... |
Get all company financials in excel:
By Helgi Library - December 12, 2019
Postova Banka's customer loans reached EUR 2,181 mil in 2017, up 8.22% compared to the previous year. Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year. Postova Banka accounted for 4.13% of all ...
By Helgi Library - May 26, 2018
Postova Banka's net interest margin amounted to 3.73% in 2017, down from 3.88% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 5.45% in 2011 and an all time low of 3.28% in 2003. The average margin...
By Helgi Library - May 26, 2018
Postova Banka's net interest margin amounted to 3.73% in 2017, down from 3.88% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 5.45% in 2011 and an all time low of 3.28% in 2003. The average margin...
By Helgi Library - May 26, 2018
Postova Banka made a net profit of EUR 47.9 mil under revenues of EUR 198 mil in 2017, up -2.78% and 1.06% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 69.6 mil in 2013 and an all time low of EUR -217...
By Helgi Library - May 26, 2018
Postova Banka made a net profit of EUR 47.9 mil under revenues of EUR 198 mil in 2017, up -2.78% and 1.06% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 69.6 mil in 2013 and an all time low of EUR -217...
By Helgi Library - May 26, 2018
Postova Banka's cost to income ratio reached 44.9% in 2017, up from 38.0% compared to the previous year. Historically, the bank’s costs reached an all time high of 100% of income in 2003 and an all time low of 38.0% in 2016. When compared to total assets, ...
By Helgi Library - May 26, 2018
Postova Banka's cost to income ratio reached 44.9% in 2017, up from 38.0% compared to the previous year. Historically, the bank’s costs reached an all time high of 100% of income in 2003 and an all time low of 38.0% in 2016. When compared to total assets, ...
By Helgi Library - May 26, 2018
Postova Banka's non-performing loans reached 9.52% of total loans at the end of 2017, down from 11.7% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.9% in 2006 and an all time low of 3.22% in 2003. Provision coverage a...
By Helgi Library - May 26, 2018
Postova Banka's non-performing loans reached 9.52% of total loans at the end of 2017, down from 11.7% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.9% in 2006 and an all time low of 3.22% in 2003. Provision coverage a...
By Helgi Library - July 16, 2018
Postova Banka generated total banking revenues of EUR 198 mil in 2017, up 1.06% compared to the previous year. Slovak banking sector banking sector generated total revenues of EUR 2,324 mil in 2017, down 10.6% when compared to the last year. As ...
Poštová banka, a.s. is a Slovakia-based universal bank. The Bank offers deposits and loans and other retail banking services, Investment and asset management, life and general insurance, financial brokerage, pension funds management, real estate administration, and financial and operational leasing services, as well as services on the capital market. Poštová banka, a.s. operates through 41 branches in the Slovak Republic; and sells its products and services through 1,538 post offices, as well as selected bank services through 45 post offices of Pošta-Partner. The company was founded in 1992 and is headquartered in Bratislava, the Slovak Republic. The Bank operates as a subsidiary of J&T Finance Group.
Postova Banka has been growing its revenues and asset by 11.3% and 15.4% a year on average in the last 10 years. Its loans and deposits have grown by 20.9% and 15.3% a year during that time and loans to deposits ratio reached 60.5% at the end of 2017. The company achieved an average return on equity of 3.72% in the last decade with net profit growing 10.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.9% in 2017, compared to 52.7% average in the last decade.
Equity represented 14.9% of total assets or 29.5% of loans at the end of 2017. Postova Banka's non-performing loans were 9.52% of total loans while provisions covered some 70.7% of NPLs at the end of 2017.
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