By Helgi Library - August 3, 2018
Sberbank Croatia made a net profit of HRK -136 mil under revenues of HRK 381 mil in 2017, up -415% and 4.35% respectively compared to...
By Helgi Library - August 3, 2018
Sberbank Croatia made a net profit of HRK -136 mil under revenues of HRK 381 mil in 2017, up -415% and 4.35% respectively compared to...
By Helgi Library - August 3, 2018
Sberbank Croatia's non-performing loans reached 17.9% of total loans at the end of 2017, up from 16.0% compared to the previous y...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HRK mil | 257 | 273 | 285 |
| Net Fee Income | HRK mil | 46.3 | 54.3 | 57.1 |
| Other Income | HRK mil | 17.8 | 37.4 | 38.5 |
| Total Revenues | HRK mil | 321 | 365 | 381 |
| Staff Cost | HRK mil | 99.3 | 100 | 102 |
| Operating Profit | HRK mil | 89.3 | 139 | 152 |
| Provisions | HRK mil | 335 | 70.0 | 310 |
| Net Profit | HRK mil | -198 | 43.1 | -136 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HRK mil | 915 | 901 | 1,228 |
| Customer Loans | HRK mil | 6,901 | 6,089 | 5,258 |
| Total Assets | HRK mil | 9,735 | 9,263 | 8,893 |
| Shareholders' Equity | HRK mil | 1,226 | 1,275 | 1,141 |
| Interbank Borrowing | HRK mil | 1,253 | 1,076 | 486 |
| Customer Deposits | HRK mil | 6,386 | 6,357 | 6,067 |
| Issued Debt Securities | HRK mil | 526 | 391 | 1,025 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | -15.0 | 3.45 | -11.2 |
| ROA | % | -1.98 | 0.454 | -1.50 |
| Costs (As % Of Assets) | % | 2.32 | 2.38 | 2.52 |
| Costs (As % Of Income) | % | 72.2 | 61.9 | 60.1 |
| Capital Adequacy Ratio | % | 17.3 | 19.9 | 19.7 |
| Net Interest Margin | % | 2.57 | 2.87 | 3.14 |
| Loans (As % Of Deposits) | % | 108 | 95.8 | 86.7 |
| NPLs (As % Of Loans) | % | 16.4 | 16.0 | 17.9 |
| Provisions (As % Of NPLs) | % | 60.4 | 70.1 | 78.1 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -9.86 | 13.5 | 4.35 |
| Operating Cost Growth | % | 2.94 | -2.78 | 1.33 |
| Operating Profit Growth | % | -31.9 | 55.7 | 9.24 |
| Net Profit Growth | % | -756 | -122 | -415 |
| Customer Loan Growth | % | -4.82 | -11.8 | -13.6 |
| Total Asset Growth | % | -5.16 | -4.84 | -3.99 |
| Customer Deposit Growth | % | 11.0 | -0.467 | -4.55 |
| Shareholders' Equity Growth | % | -13.9 | 3.97 | -10.5 |
| Employees | 526 | 536 | 535 | |
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 | ... | 218 | 190 | 214 | 267 | 257 | |||||||||||
| Total Revenues | HRK mil | ... | 278 | 257 | 285 | 357 | 321 | |||||||||||
| Operating Profit | HRK mil | ... | 99.5 | 63.9 | 83.6 | 131 | 89.3 | |||||||||||
| Net Profit | HRK mil | ... | 0.868 | -140 | -45.6 | 30.2 | -198 | |||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | HRK mil | ... | 1,023 | 1,157 | 963 | 1,016 | 915 | |||||||||||
| Customer Loans | HRK mil | 5,179 | 5,459 | 6,286 | 7,251 | 6,901 | ||||||||||||
| Debt Securities | HRK mil | ... | 333 | 599 | 551 | 577 | 688 | |||||||||||
| Total Assets | HRK mil | 7,495 | 8,211 | 9,263 | 10,265 | 9,735 | ||||||||||||
| Shareholders' Equity | HRK mil | ... | 1,569 | 1,441 | 1,392 | 1,424 | 1,226 | |||||||||||
| Interbank Borrowing | HRK mil | ... | 1,711 | 202 | 1,003 | 1,877 | 1,253 | |||||||||||
| Customer Deposits | HRK mil | 3,625 | 4,935 | 5,415 | 5,755 | 6,386 | ||||||||||||
| Issued Debt Securities | HRK mil | ... | 516 | 1,562 | 1,337 | 1,101 | 526 | |||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | 0.054 | -9.32 | -3.22 | 2.15 | -15.0 | |||||||||||
| ROA | % | ... | 0.011 | -1.79 | -0.522 | 0.310 | -1.98 | |||||||||||
| Costs (As % Of Assets) | % | ... | 2.34 | 2.46 | 2.31 | 2.31 | 2.32 | |||||||||||
| Costs (As % Of Income) | % | ... | 64.2 | 75.1 | 70.7 | 63.2 | 72.2 | |||||||||||
| Capital Adequacy Ratio | % | 28.4 | 23.3 | 20.5 | 19.7 | 17.3 | ||||||||||||
| Net Interest Margin | % | ... | 2.86 | 2.42 | 2.44 | 2.73 | 2.57 | |||||||||||
| Interest Income (As % Of Revenues) | % | ... | 78.3 | 73.9 | 74.9 | 74.8 | 80.1 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | 11.8 | 12.9 | 13.4 | 13.7 | 14.4 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 41.2 | 40.3 | 46.2 | 47.2 | 42.8 | |||||||||||
| Equity (As % Of Assets) | % | ... | 20.9 | 17.5 | 15.0 | 13.9 | 12.6 | |||||||||||
| Loans (As % Of Deposits) | % | 143 | 111 | 116 | 126 | 108 | ||||||||||||
| Loans (As % Assets) | % | 69.1 | 66.5 | 67.9 | 70.6 | 70.9 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 10.3 | 10.9 | 16.8 | 15.8 | 16.4 | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 65.3 | 89.1 | 56.8 | 55.8 | 60.4 | |||||||||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | -8.76 | -12.7 | 12.5 | 24.9 | -3.52 |
| 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 | ... | 384 | 379 | 403 | 438 | 442 | |||||||||||
| Interest Cost | HRK mil | ... | 166 | 189 | 189 | 171 | 185 | |||||||||||
| Net Interest Income | HRK mil | ... | 218 | 190 | 214 | 267 | 257 | |||||||||||
| Net Fee Income | HRK mil | ... | 32.8 | 33.1 | 38.3 | 48.8 | 46.3 | |||||||||||
| Other Income | HRK mil | ... | 27.3 | 33.9 | 33.3 | 41.1 | 17.8 | |||||||||||
| Total Revenues | HRK mil | ... | 278 | 257 | 285 | 357 | 321 | |||||||||||
| Staff Cost | HRK mil | ... | 73.5 | 77.7 | 93.1 | 106 | 99.3 | |||||||||||
| Depreciation | HRK mil | ... | 8.04 | 6.87 | 8.31 | 12.8 | 16.5 | |||||||||||
| Other Cost | HRK mil | ... | 96.7 | 108 | 100 | 106 | 116 | |||||||||||
| Operating Cost | HRK mil | ... | 178 | 193 | 202 | 225 | 232 | |||||||||||
| Operating Profit | HRK mil | ... | 99.5 | 63.9 | 83.6 | 131 | 89.3 | |||||||||||
| Provisions | HRK mil | ... | 97.1 | 236 | 140 | 90.6 | 335 | |||||||||||
| Extra and Other Cost | HRK mil | ... | < -0.001 | 0.001 | 0 | 0 | 0 | |||||||||||
| Pre-Tax Profit | HRK mil | 2.40 | -172 | -56.6 | 40.5 | -246 | ||||||||||||
| Tax | HRK mil | ... | 1.54 | -31.4 | -10.9 | 10.3 | -47.7 | |||||||||||
| Minorities | HRK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Net Profit | HRK mil | ... | 0.868 | -140 | -45.6 | 30.2 | -198 | |||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | -8.76 | -12.7 | 12.5 | 24.9 | -3.52 | ||||||||||
| Net Fee Income Growth | % | ... | ... | -8.40 | 0.814 | 15.8 | 27.3 | -5.17 | ||||||||||
| Total Revenue Growth | % | ... | ... | -9.95 | -7.52 | 11.0 | 25.1 | -9.86 | ||||||||||
| Operating Cost Growth | % | ... | ... | 8.64 | 8.22 | 4.52 | 11.8 | 2.94 | ||||||||||
| Operating Profit Growth | % | ... | ... | -31.1 | -35.7 | 30.7 | 56.9 | -31.9 | ||||||||||
| Pre-Tax Profit Growth | % | ... | -94.7 | -7,240 | -67.1 | -172 | -706 | |||||||||||
| Net Profit Growth | % | ... | ... | -97.5 | -16,265 | -67.5 | -166 | -756 | ||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | ... | 1.73 | 1.73 | 1.98 | 2.46 | 2.21 | |||||||||||
| Market Share in Net Profit | % | ... | 0.023 | ... | ... | 2.19 | ... | ... | ||||||||||
| Market Share in Employees | % | 2.07 | 2.16 | 2.32 | 2.56 | 2.52 | ||||||||||||
| Market Share in Branches | % | 2.45 | 2.47 | 2.54 | 2.60 | 2.64 |
| 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 | ... | 863 | 821 | 1,235 | 1,192 | 990 | |||||||||||
| Interbank Loans | HRK mil | ... | 1,023 | 1,157 | 963 | 1,016 | 915 | |||||||||||
| Customer Loans | HRK mil | 5,179 | 5,459 | 6,286 | 7,251 | 6,901 | ||||||||||||
| Retail Loans | HRK mil | ... | 3,093 | 3,021 | 3,186 | 3,417 | 3,470 | |||||||||||
| Corporate Loans | HRK mil | ... | 2,188 | 2,817 | 3,377 | 3,848 | 3,583 | |||||||||||
| Debt Securities | HRK mil | ... | 333 | 599 | 551 | 577 | 688 | |||||||||||
| Fixed Assets | HRK mil | ... | 31.1 | 32.9 | 73.0 | 103 | 104 | |||||||||||
| Total Assets | HRK mil | 7,495 | 8,211 | 9,263 | 10,265 | 9,735 | ||||||||||||
| Shareholders' Equity | HRK mil | ... | 1,569 | 1,441 | 1,392 | 1,424 | 1,226 | |||||||||||
| Of Which Minority Interest | HRK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Liabilities | HRK mil | ... | 5,926 | 6,770 | 7,871 | 8,841 | 8,509 | |||||||||||
| Interbank Borrowing | HRK mil | ... | 1,711 | 202 | 1,003 | 1,877 | 1,253 | |||||||||||
| Customer Deposits | HRK mil | 3,625 | 4,935 | 5,415 | 5,755 | 6,386 | ||||||||||||
| Retail Deposits | HRK mil | ... | 2,332 | 2,574 | 2,745 | 3,150 | 3,431 | |||||||||||
| Corporate Deposits | HRK mil | ... | 1,293 | 2,361 | 2,669 | 2,606 | 2,955 | |||||||||||
| Sight Deposits | HRK mil | ... | 1,023 | 984 | 1,125 | 1,054 | 1,027 | |||||||||||
| Term Deposits | HRK mil | ... | 2,603 | 3,951 | 4,290 | 4,701 | 5,360 | |||||||||||
| Issued Debt Securities | HRK mil | ... | 516 | 1,562 | 1,337 | 1,101 | 526 | |||||||||||
| Other Liabilities | HRK mil | ... | 74.0 | 71.1 | 116 | 108 | 343 | |||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | 572 | 661 | 1,168 | 1,252 | 1,256 | |||||||||
| Gross Loans | HRK mil | ... | 5,553 | 6,049 | 6,950 | 7,950 | 7,660 | |||||||||||
| Total Provisions | HRK mil | ... | 373 | 589 | 664 | 699 | 758 | |||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | -0.471 | 5.41 | 15.1 | 15.3 | -4.82 | |||||||||||
| Retail Loan Growth | % | ... | ... | -6.38 | -2.32 | 5.47 | 7.24 | 1.56 | ||||||||||
| Corporate Loan Growth | % | ... | ... | 13.4 | 28.7 | 19.9 | 14.0 | -6.88 | ||||||||||
| Total Asset Growth | % | ... | -2.92 | 9.55 | 12.8 | 10.8 | -5.16 | |||||||||||
| Shareholders' Equity Growth | % | ... | ... | -5.81 | -8.16 | -3.40 | 2.30 | -13.9 | ||||||||||
| Customer Deposit Growth | % | ... | -2.63 | 36.1 | 9.72 | 6.29 | 11.0 | |||||||||||
| Retail Deposit Growth | % | ... | ... | 3.65 | 10.4 | 6.68 | 14.7 | 8.93 | ||||||||||
| Corporate Deposit Growth | % | ... | ... | -12.2 | 82.6 | 13.0 | -2.39 | 13.4 | ||||||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 2.06 | 2.31 | 2.69 | 3.16 | 3.10 | ||||||||||||
| Market Share in Corporate Loans | % | ... | 1.96 | 2.92 | 3.53 | 4.18 | 4.11 | |||||||||||
| Market Share in Consumer Loans | % | ... | 2.41 | 2.39 | 2.58 | 2.79 | 2.88 | |||||||||||
| Market Share in Total Assets | % | 1.80 | 2.00 | 2.23 | 2.45 | 2.34 | ||||||||||||
| Market Share in Customer Deposits | % | 1.64 | 2.17 | 2.29 | 2.36 | 2.49 | ||||||||||||
| Market Share in Retail Deposits | % | ... | 1.37 | 1.45 | 1.53 | 1.72 | 1.83 | |||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | 2.69 | 5.25 | 6.31 | 5.96 | 5.57 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | ... | 0.054 | -9.32 | -3.22 | 2.15 | -15.0 | |||||||||||
| ROA | % | ... | 0.011 | -1.79 | -0.522 | 0.310 | -1.98 | |||||||||||
| Costs (As % Of Assets) | % | ... | 2.34 | 2.46 | 2.31 | 2.31 | 2.32 | |||||||||||
| Costs (As % Of Income) | % | ... | 64.2 | 75.1 | 70.7 | 63.2 | 72.2 | |||||||||||
| Capital Adequacy Ratio | % | 28.4 | 23.3 | 20.5 | 19.7 | 17.3 | ||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.4 | 23.3 | 20.5 | 19.7 | 17.3 | |||
| Net Interest Margin | % | ... | 2.86 | 2.42 | 2.44 | 2.73 | 2.57 | |||||||||||
| Interest Spread | % | ... | ... | 2.27 | 1.85 | 2.02 | 2.44 | 2.29 | ||||||||||
| Asset Yield | % | ... | 5.04 | 4.83 | 4.61 | 4.48 | 4.42 | |||||||||||
| Cost Of Liabilities | % | ... | ... | 2.77 | 2.98 | 2.59 | 2.05 | 2.13 | ||||||||||
| Interest Income (As % Of Revenues) | % | ... | 78.3 | 73.9 | 74.9 | 74.8 | 80.1 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | 11.8 | 12.9 | 13.4 | 13.7 | 14.4 | |||||||||||
| Other Income (As % Of Revenues) | % | ... | 9.84 | 13.2 | 11.7 | 11.5 | 5.54 | |||||||||||
| Cost Per Employee | USD per month | ... | 2,534 | 2,370 | 2,696 | 2,759 | 2,362 | |||||||||||
| Cost Per Employee (Local Currency) | HRK per month | ... | 13,553 | 13,869 | 15,392 | 16,362 | 15,738 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 41.2 | 40.3 | 46.2 | 47.2 | 42.8 | |||||||||||
| Equity (As % Of Assets) | % | ... | 20.9 | 17.5 | 15.0 | 13.9 | 12.6 | |||||||||||
| Loans (As % Of Deposits) | % | 143 | 111 | 116 | 126 | 108 | ||||||||||||
| Loans (As % Assets) | % | 69.1 | 66.5 | 67.9 | 70.6 | 70.9 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 10.3 | 10.9 | 16.8 | 15.8 | 16.4 | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 65.3 | 89.1 | 56.8 | 55.8 | 60.4 | |||||||||
| Provisions (As % Of Loans) | % | ... | 7.21 | 10.8 | 10.6 | 9.64 | 11.0 | |||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.87 | 4.43 | 2.39 | 1.34 | 4.74 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||
| Branches | 31.0 | 31.0 | 31.0 | 31.0 | 31.0 | |||||||||||||
| Employees | 452 | 467 | 504 | 542 | 526 | |||||||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Sight (As % Of Customer Deposits) | % | ... | 28.2 | 19.9 | 20.8 | 18.3 | 16.1 |
Get all company financials in excel:
By Helgi Library - August 3, 2018
Sberbank Croatia's non-performing loans reached 17.9% of total loans at the end of 2017, up from 16.0% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.9% in 2017 and an all time low of 0.742% in 2006. Provision coverage...
By Helgi Library - August 3, 2018
Sberbank Croatia's customer deposits reached HRK 6,067 mil in 2017, down 4.55% 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. Sberbank Croatia accounted fo...
By Helgi Library - August 3, 2018
Sberbank Croatia's customer deposits reached HRK 6,067 mil in 2017, down 4.55% 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. Sberbank Croatia accounted fo...
By Helgi Library - August 3, 2018
Sberbank Croatia employed 535 persons in 2017, down 0.187% when compared to the previous year. Historically, the bank's workforce hit an all time high of 542 persons in 2014 and an all time low of 205 in 2002. Average cost reached USD 2,372 per month per employee...
By Helgi Library - August 3, 2018
Sberbank Croatia employed 535 persons in 2017, down 0.187% when compared to the previous year. Historically, the bank's workforce hit an all time high of 542 persons in 2014 and an all time low of 205 in 2002. Average cost reached USD 2,372 per month per employee...
By Helgi Library - August 3, 2018
Sberbank Croatia generated total banking revenues of HRK 381 mil in 2017, up 4.35% 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 3, 2018
Sberbank Croatia generated total banking revenues of HRK 381 mil in 2017, up 4.35% 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 3, 2018
Sberbank Croatia's retail deposits reached HRK 3,351 mil in 2017, down 1.64% 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. Sberbank Croatia accounted for 1...
By Helgi Library - August 3, 2018
Sberbank Croatia's retail deposits reached HRK 3,351 mil in 2017, down 1.64% 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. Sberbank Croatia accounted for 1...
By Helgi Library - August 3, 2018
Sberbank Croatia's corporate deposits reached HRK 2,716 mil in 2017, down 7.92% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 63.1 bil in 2017, up 8.35% when compared to the last year. Sberbank Croatia accounted...
Sberbank Croatia has been growing its revenues and asset by 3.95% and 2.07% a year on average in the last 10 years. Its loans and deposits have grown by 0.745% and 4.82% a year during that time and loans to deposits ratio reached 86.7% at the end of 2017. The company achieved an average return on equity of -2.41% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 60.1% in 2017, compared to 63.4% average in the last decade.
Equity represented 12.8% of total assets or 21.7% of loans at the end of 2017. Sberbank Croatia's non-performing loans were 17.9% of total loans while provisions covered some 78.1% of NPLs at the end of 2017.
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