By Helgi Library - September 21, 2018
Sberbank Slovenia employed 354 persons in 2017, up 3.51% when compared to the previous year. Historically, the bank's workforce ...
By Helgi Library - September 21, 2018
Sberbank Slovenia employed 354 persons in 2017, up 3.51% when compared to the previous year. Historically, the bank's workforce ...
By Helgi Library - September 21, 2018
Sberbank Slovenia's customer deposits reached EUR 1,212 mil in 2017, up 12.8% compared to the previous year. Slovenian banking ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 35.0 | 33.6 | 33.4 |
| Net Fee Income | EUR mil | 8.04 | 7.90 | 8.22 |
| Other Income | EUR mil | 3.18 | -1.58 | -0.465 |
| Total Revenues | EUR mil | 46.2 | 39.9 | 41.1 |
| Staff Cost | EUR mil | 13.1 | 14.4 | 14.7 |
| Operating Profit | EUR mil | 22.6 | 15.2 | 14.8 |
| Provisions | EUR mil | 26.1 | 14.0 | 7.49 |
| Net Profit | EUR mil | -3.46 | 1.12 | 3.01 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 84.1 | 113 | 43.3 |
| Customer Loans | EUR mil | 1,277 | 1,222 | 1,311 |
| Total Assets | EUR mil | 1,902 | 1,846 | 1,741 |
| Shareholders' Equity | EUR mil | 168 | 169 | 172 |
| Interbank Borrowing | EUR mil | 552 | 506 | 273 |
| Customer Deposits | EUR mil | 1,099 | 1,075 | 1,212 |
| Issued Debt Securities | EUR mil | 74.7 | 6.58 | 1.75 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | -2.20 | 0.663 | 1.76 |
| ROA | % | -0.188 | 0.060 | 0.168 |
| Costs (As % Of Assets) | % | 1.28 | 1.32 | 1.47 |
| Costs (As % Of Income) | % | 51.0 | 61.9 | 63.9 |
| Capital Adequacy Ratio | % | 18.2 | 18.3 | 19.0 |
| Net Interest Margin | % | 1.90 | 1.79 | 1.86 |
| Loans (As % Of Deposits) | % | 116 | 114 | 108 |
| NPLs (As % Of Loans) | % | 16.7 | 13.1 | 10.7 |
| Provisions (As % Of NPLs) | % | 32.1 | 46.5 | 51.8 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -6.86 | -13.6 | 3.07 |
| Operating Cost Growth | % | -3.22 | 4.82 | 6.48 |
| Operating Profit Growth | % | -10.4 | -32.8 | -2.48 |
| Net Profit Growth | % | -161 | -132 | 169 |
| Customer Loan Growth | % | 0.460 | -4.35 | 7.35 |
| Total Asset Growth | % | 6.88 | -2.92 | -5.70 |
| Customer Deposit Growth | % | 10.1 | -2.18 | 12.8 |
| Shareholders' Equity Growth | % | 14.1 | 0.953 | 1.79 |
| Employees | 333 | 342 | 354 | |
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 | EUR mil | ... | 20.4 | 18.4 | 25.0 | 34.0 | 35.0 | |||||||||||
| Total Revenues | EUR mil | ... | 22.5 | 21.3 | 32.6 | 49.6 | 46.2 | |||||||||||
| Operating Profit | EUR mil | ... | 8.86 | 6.97 | 13.8 | 25.3 | 22.6 | |||||||||||
| Net Profit | EUR mil | ... | 2.65 | 0.156 | 1.16 | 5.69 | -3.46 | |||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | EUR mil | ... | 14.0 | 64.5 | 2.39 | 109 | 84.1 | |||||||||||
| Customer Loans | EUR mil | ... | 828 | 936 | 1,122 | 1,271 | 1,277 | |||||||||||
| Debt Securities | EUR mil | ... | 80.9 | 138 | 167 | 140 | 207 | |||||||||||
| Total Assets | EUR mil | ... | 1,013 | 1,338 | 1,478 | 1,779 | 1,902 | |||||||||||
| Shareholders' Equity | EUR mil | ... | 70.8 | 119 | 118 | 147 | 168 | |||||||||||
| Interbank Borrowing | EUR mil | ... | 504 | 603 | 523 | 495 | 552 | |||||||||||
| Customer Deposits | EUR mil | ... | 405 | 590 | 767 | 998 | 1,099 | |||||||||||
| Issued Debt Securities | EUR mil | ... | 28.4 | 22.5 | 66.2 | 78.1 | 74.7 | |||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | 3.74 | 0.165 | 0.978 | 4.30 | -2.20 | |||||||||||
| ROA | % | ... | 0.272 | 0.013 | 0.082 | 0.350 | -0.188 | |||||||||||
| Costs (As % Of Assets) | % | ... | 1.40 | 1.22 | 1.34 | 1.49 | 1.28 | |||||||||||
| Costs (As % Of Income) | % | ... | 60.6 | 67.2 | 57.8 | 49.1 | 51.0 | |||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 11.7 | 12.8 | 16.5 | 15.9 | 18.2 | |||||||
| Net Interest Margin | % | ... | 2.09 | 1.57 | 1.77 | 2.09 | 1.90 | |||||||||||
| Interest Income (As % Of Revenues) | % | ... | 90.5 | 86.7 | 76.7 | 68.5 | 75.7 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | 9.51 | 13.3 | 14.0 | 14.4 | 17.4 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 55.8 | 55.7 | 53.8 | 51.9 | 55.6 | |||||||||||
| Equity (As % Of Assets) | % | ... | 6.99 | 8.88 | 7.97 | 8.25 | 8.81 | |||||||||||
| Loans (As % Of Deposits) | % | ... | 205 | 159 | 146 | 127 | 116 | |||||||||||
| Loans (As % Assets) | % | ... | 81.7 | 70.0 | 75.9 | 71.4 | 67.2 | |||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 13.3 | 16.3 | 11.7 | 14.2 | 16.7 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 21.3 | 17.6 | 29.3 | 27.0 | 32.1 | |||||||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | 6.86 | -9.54 | 35.6 | 36.0 | 2.89 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Interest Income | EUR mil | ... | 39.5 | 40.1 | 46.3 | 53.4 | 50.1 | |||||||||||
| Interest Cost | EUR mil | ... | 19.1 | 21.7 | 21.3 | 19.4 | 15.2 | |||||||||||
| Net Interest Income | EUR mil | ... | 20.4 | 18.4 | 25.0 | 34.0 | 35.0 | |||||||||||
| Net Fee Income | EUR mil | ... | 2.14 | 2.83 | 4.56 | 7.12 | 8.04 | |||||||||||
| Other Income | EUR mil | ... | 0 | 0.006 | 3.01 | 8.48 | 3.18 | |||||||||||
| Total Revenues | EUR mil | ... | 22.5 | 21.3 | 32.6 | 49.6 | 46.2 | |||||||||||
| Staff Cost | EUR mil | ... | 7.62 | 7.96 | 10.1 | 12.6 | 13.1 | |||||||||||
| Depreciation | EUR mil | ... | 0.787 | 0.845 | 0.818 | 1.08 | 1.27 | |||||||||||
| Other Cost | EUR mil | ... | 5.24 | 5.48 | 7.86 | 10.6 | 9.19 | |||||||||||
| Operating Cost | EUR mil | ... | 13.6 | 14.3 | 18.8 | 24.3 | 23.5 | |||||||||||
| Operating Profit | EUR mil | ... | 8.86 | 6.97 | 13.8 | 25.3 | 22.6 | |||||||||||
| Provisions | EUR mil | ... | 6.13 | 8.40 | 11.7 | 18.4 | 26.1 | |||||||||||
| Extra and Other Cost | EUR mil | ... | -0.586 | -1.64 | 0.679 | 0 | 0.671 | |||||||||||
| Pre-Tax Profit | EUR mil | ... | 3.32 | 0.211 | 1.33 | 6.87 | -4.11 | |||||||||||
| Tax | EUR mil | ... | 0.669 | 0.055 | 0.168 | 1.18 | -0.651 | |||||||||||
| Minorities | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Net Profit | EUR mil | ... | 2.65 | 0.156 | 1.16 | 5.69 | -3.46 | |||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | 6.86 | -9.54 | 35.6 | 36.1 | 2.89 | ||||||||||
| Net Fee Income Growth | % | ... | ... | 19.4 | 32.1 | 61.1 | 56.3 | 13.0 | ||||||||||
| Total Revenue Growth | % | ... | ... | 7.94 | -5.55 | 53.1 | 52.3 | -6.86 | ||||||||||
| Operating Cost Growth | % | ... | ... | 11.3 | 4.74 | 31.6 | 29.4 | -3.22 | ||||||||||
| Operating Profit Growth | % | ... | ... | 3.13 | -21.4 | 97.4 | 83.7 | -10.4 | ||||||||||
| Pre-Tax Profit Growth | % | ... | ... | -16.3 | -93.6 | 528 | 418 | -160 | ||||||||||
| Net Profit Growth | % | ... | ... | -18.7 | -94.1 | 642 | 392 | -161 | ||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | ... | 1.56 | 1.36 | 2.98 | 4.03 | 3.99 | |||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Market Share in Employees | % | 1.72 | 1.90 | 2.32 | 2.04 | 3.19 | ||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | 2.03 | 2.04 |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||
| Cash | EUR mil | ... | 79.9 | 166 | 176 | 225 | 306 | |||||||||||
| Interbank Loans | EUR mil | ... | 14.0 | 64.5 | 2.39 | 109 | 84.1 | |||||||||||
| Customer Loans | EUR mil | ... | 828 | 936 | 1,122 | 1,271 | 1,277 | |||||||||||
| Retail Loans | EUR mil | ... | 226 | 219 | 220 | 305 | 340 | |||||||||||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 264 | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 75.7 | ||
| Corporate Loans | EUR mil | ... | 571 | 717 | 902 | 966 | 938 | |||||||||||
| Debt Securities | EUR mil | ... | 80.9 | 138 | 167 | 140 | 207 | |||||||||||
| Fixed Assets | EUR mil | ... | 8.02 | 7.48 | 9.22 | 10.2 | 9.81 | |||||||||||
| Total Assets | EUR mil | ... | 1,013 | 1,338 | 1,478 | 1,779 | 1,902 | |||||||||||
| Shareholders' Equity | EUR mil | ... | 70.8 | 119 | 118 | 147 | 168 | |||||||||||
| Of Which Minority Interest | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
| Liabilities | EUR mil | ... | 942 | 1,219 | 1,361 | 1,632 | 1,734 | |||||||||||
| Interbank Borrowing | EUR mil | ... | 504 | 603 | 523 | 495 | 552 | |||||||||||
| Customer Deposits | EUR mil | ... | 405 | 590 | 767 | 998 | 1,099 | |||||||||||
| Retail Deposits | EUR mil | ... | 141 | 194 | 237 | 271 | 315 | |||||||||||
| Corporate Deposits | EUR mil | ... | 264 | 396 | 530 | 727 | 784 | |||||||||||
| Issued Debt Securities | EUR mil | ... | 28.4 | 22.5 | 66.2 | 78.1 | 74.7 | |||||||||||
| Other Liabilities | EUR mil | ... | 4.89 | 4.08 | 4.50 | 61.6 | 9.00 | |||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | ... | 114 | 161 | 136 | 191 | 225 | |||||||
| Gross Loans | EUR mil | ... | ... | ... | ... | ... | 852 | 988 | 1,162 | 1,339 | 1,349 | |||||||
| Total Provisions | EUR mil | ... | ... | ... | ... | ... | 24.2 | 28.4 | 39.8 | 51.6 | 72.4 | |||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | ... | 2.30 | 13.1 | 19.8 | 13.3 | 0.460 | ||||||||||
| Retail Loan Growth | % | ... | ... | 1.87 | -3.06 | 0.278 | 38.8 | 11.3 | ||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Corporate Loan Growth | % | ... | ... | 5.11 | 25.6 | 25.8 | 7.12 | -2.95 | ||||||||||
| Total Asset Growth | % | ... | ... | 8.26 | 32.0 | 10.5 | 20.4 | 6.88 | ||||||||||
| Shareholders' Equity Growth | % | ... | ... | -0.151 | 67.8 | -0.800 | 24.6 | 14.1 | ||||||||||
| Customer Deposit Growth | % | ... | ... | 48.0 | 45.7 | 29.9 | 30.2 | 10.1 | ||||||||||
| Retail Deposit Growth | % | ... | ... | 44.6 | 37.7 | 22.2 | 14.3 | 16.3 | ||||||||||
| Corporate Deposit Growth | % | ... | ... | 49.8 | 50.0 | 33.7 | 37.2 | 7.84 | ||||||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | ... | 2.50 | 3.02 | 4.61 | 5.90 | 6.30 | |||||||||||
| Market Share in Corporate Loans | % | ... | 3.12 | 4.36 | 7.84 | 10.5 | 11.4 | |||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.61 | ||
| Market Share in Consumer Loans | % | ... | 2.50 | 2.48 | 2.60 | 3.66 | 4.03 | |||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.78 | ||
| Market Share in Total Assets | % | ... | 2.06 | 2.90 | 3.66 | 4.60 | 5.09 | |||||||||||
| Market Share in Customer Deposits | % | ... | 1.65 | 2.47 | 3.40 | 4.08 | 4.37 | |||||||||||
| Market Share in Retail Deposits | % | ... | 0.947 | 1.31 | 1.65 | 1.79 | 2.02 | |||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | 6.55 | 10.8 | 12.6 | 15.5 | 16.8 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | ... | 3.74 | 0.165 | 0.978 | 4.30 | -2.20 | |||||||||||
| ROA | % | ... | 0.272 | 0.013 | 0.082 | 0.350 | -0.188 | |||||||||||
| Costs (As % Of Assets) | % | ... | 1.40 | 1.22 | 1.34 | 1.49 | 1.28 | |||||||||||
| Costs (As % Of Income) | % | ... | 60.6 | 67.2 | 57.8 | 49.1 | 51.0 | |||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 11.7 | 12.8 | 16.5 | 15.9 | 18.2 | |||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.5 | ||
| Net Interest Margin | % | ... | 2.09 | 1.57 | 1.77 | 2.09 | 1.90 | |||||||||||
| Interest Spread | % | ... | ... | 1.94 | 1.41 | 1.64 | 1.98 | 1.82 | ||||||||||
| Asset Yield | % | ... | 4.05 | 3.41 | 3.29 | 3.28 | 2.72 | |||||||||||
| Cost Of Liabilities | % | ... | ... | 2.12 | 2.00 | 1.65 | 1.29 | 0.901 | ||||||||||
| Interest Income (As % Of Revenues) | % | ... | 90.5 | 86.7 | 76.7 | 68.5 | 75.7 | |||||||||||
| Fee Income (As % Of Revenues) | % | ... | 9.51 | 13.3 | 14.0 | 14.4 | 17.4 | |||||||||||
| Other Income (As % Of Revenues) | % | ... | 0 | 0.028 | 9.26 | 17.1 | 6.88 | |||||||||||
| Cost Per Employee | USD per month | ... | 4,347 | 3,907 | 4,305 | 6,220 | 3,753 | |||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | 3,126 | 3,043 | 3,243 | 4,825 | 3,274 | |||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 55.8 | 55.7 | 53.8 | 51.9 | 55.6 | |||||||||||
| Equity (As % Of Assets) | % | ... | 6.99 | 8.88 | 7.97 | 8.25 | 8.81 | |||||||||||
| Loans (As % Of Deposits) | % | ... | 205 | 159 | 146 | 127 | 116 | |||||||||||
| Loans (As % Assets) | % | ... | 81.7 | 70.0 | 75.9 | 71.4 | 67.2 | |||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 13.3 | 16.3 | 11.7 | 14.2 | 16.7 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 21.3 | 17.6 | 29.3 | 27.0 | 32.1 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 2.92 | 3.03 | 3.55 | 4.06 | 5.67 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.748 | 0.952 | 1.14 | 1.54 | 2.05 |
Get all company financials in excel:
By Helgi Library - September 21, 2018
Sberbank Slovenia's customer deposits reached EUR 1,212 mil in 2017, up 12.8% compared to the previous year. Slovenian banking sector accepted customer deposits of EUR 27.5 bil in 2017, up 5.34% when compared to the last year. Sberbank Slovenia accounted ...
By Helgi Library - September 21, 2018
Sberbank Slovenia made a net profit of EUR 3.01 mil in 2017, up 169% compared to the previous year. This implies a return on equity of 1.76%. Historically, the bank’s net profit reached an all time high of EUR 5.69 mil in 2014 and an all time low of EUR -3....
By Helgi Library - September 21, 2018
Sberbank Slovenia made a net profit of EUR 3.01 mil in 2017, up 169% compared to the previous year. This implies a return on equity of 1.76%. Historically, the bank’s net profit reached an all time high of EUR 5.69 mil in 2014 and an all time low of EUR -3....
By Helgi Library - September 21, 2018
Sberbank Slovenia's retail deposits reached EUR 341 mil in 2017, up 14.0% compared to the previous year. Slovenian banking sector accepted retail deposits of EUR 17.5 bil in 2017, up 5.65% when compared to the last year. Sberbank Slovenia accounted for 1....
By Helgi Library - September 21, 2018
Sberbank Slovenia's retail deposits reached EUR 341 mil in 2017, up 14.0% compared to the previous year. Slovenian banking sector accepted retail deposits of EUR 17.5 bil in 2017, up 5.65% when compared to the last year. Sberbank Slovenia accounted for 1....
By Helgi Library - September 21, 2018
Sberbank Slovenia's customer loans reached EUR 1,311 mil in 2017, up 7.35% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. Sberbank Slovenia accounted for 6....
By Helgi Library - September 21, 2018
Sberbank Slovenia generated total banking revenues of EUR 41.1 mil in 2017, up 3.07% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year. ...
By Helgi Library - September 21, 2018
Sberbank Slovenia's customer loans reached EUR 1,311 mil in 2017, up 7.35% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. Sberbank Slovenia accounted for 6....
By Helgi Library - September 21, 2018
Sberbank Slovenia generated total banking revenues of EUR 41.1 mil in 2017, up 3.07% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year. ...
By Helgi Library - September 21, 2018
Sberbank Slovenia's corporate deposits reached EUR 871 mil in 2017, up 12.3% compared to the previous year. Slovenian banking sector accepted corporate deposits of EUR 6.37 bil in 2017, up 38.5% when compared to the last year. Sberbank Slovenia accounted ...
Sberbank d.d. (or Sberbank Slovenia) is a Slovenia-based subsidiary of Russia's Sberbank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Sberbank d. d. is a daughter bank of the Sberbank Europe AG Holding, which manages a banking network of nine universal banks in eight countries of Central and Eastern Europe: in Slovakia, the Czech Republic, Hungary, Croatia, Slovenia, Bosnia and Herzehovina, and Ukraine.
Sberbank Slovenia has been growing its revenues and asset by 11.6% and 10.9% a year on average in the last 10 years. Its loans and deposits have grown by 9.53% and 21.4% a year during that time and loans to deposits ratio reached 108% at the end of 2017. The company achieved an average return on equity of 1.45% in the last decade with net profit growing 0.901% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.9% in 2017, compared to 61.0% average in the last decade.
Equity represented 9.89% of total assets or 13.1% of loans at the end of 2017. Sberbank Slovenia's non-performing loans were 10.7% of total loans while provisions covered some 51.8% of NPLs at the end of 2017.
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