By Helgi Library - July 4, 2018
Splitska Banka's non-performing loans reached 13.0% of total loans at the end of 2017, up from 10.7% compared to the previous yea...
By Helgi Library - July 4, 2018
Splitska Banka's non-performing loans reached 13.0% of total loans at the end of 2017, up from 10.7% compared to the previous yea...
By Helgi Library - July 4, 2018
Splitska Banka made a net profit of HRK -85.0 mil in 2017, down 123% compared to the previous year. This implies a return on equ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HRK mil | 796 | 768 | 760 |
| Net Fee Income | HRK mil | 247 | 238 | 240 |
| Other Income | HRK mil | 158 | 197 | 129 |
| Total Revenues | HRK mil | 1,201 | 1,203 | 1,129 |
| Staff Cost | HRK mil | 307 | 306 | 301 |
| Operating Profit | HRK mil | 565 | 594 | 454 |
| Provisions | HRK mil | 410 | 126 | 552 |
| Net Profit | HRK mil | 121 | 365 | -85.0 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HRK mil | 1,269 | 1,268 | 1,483 |
| Customer Loans | HRK mil | 16,960 | 16,096 | 14,839 |
| Total Assets | HRK mil | 27,049 | 27,036 | 26,876 |
| Shareholders' Equity | HRK mil | 3,535 | 3,747 | 3,510 |
| Interbank Borrowing | HRK mil | 236 | 224 | 1,391 |
| Customer Deposits | HRK mil | 19,922 | 20,877 | 20,625 |
| Issued Debt Securities | HRK mil | 2,552 | 1,631 | 838 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 3.39 | 10.0 | -2.34 |
| ROA | % | 0.434 | 1.35 | -0.315 |
| Costs (As % Of Assets) | % | 2.28 | 2.25 | 2.50 |
| Costs (As % Of Income) | % | 53.0 | 50.6 | 59.8 |
| Capital Adequacy Ratio | % | 18.7 | 19.9 | 21.2 |
| Net Interest Margin | % | 2.85 | 2.84 | 2.82 |
| Loans (As % Of Deposits) | % | 85.1 | 77.1 | 71.9 |
| NPLs (As % Of Loans) | % | 11.3 | 10.7 | 13.0 |
| Provisions (As % Of NPLs) | % | 80.3 | 89.4 | 93.1 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 2.39 | 0.167 | -6.15 |
| Operating Cost Growth | % | -2.30 | -4.25 | 10.8 |
| Operating Profit Growth | % | 8.24 | 5.13 | -23.6 |
| Net Profit Growth | % | -36.3 | 202 | -123 |
| Customer Loan Growth | % | -1.45 | -5.09 | -7.81 |
| Total Asset Growth | % | -5.91 | -0.048 | -0.592 |
| Customer Deposit Growth | % | -1.44 | 4.79 | -1.21 |
| Shareholders' Equity Growth | % | -1.67 | 6.00 | -6.33 |
| Employees | 1,401 | 1,380 | 1,439 | |
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 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 857 | 779 | 641 | 714 | 796 | |||
| Total Revenues | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,204 | 1,111 | 1,018 | 1,173 | 1,201 | |||
| Operating Profit | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 511 | 437 | 373 | 522 | 565 | |||
| Net Profit | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 138 | 96.0 | 34.0 | 190 | 121 | |||
| balance sheet | ||||||||||||||||||
| Interbank Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,921 | 3,337 | 1,425 | 1,490 | 1,269 | |||
| Customer Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,247 | 17,105 | 17,412 | 17,209 | 16,960 | |||
| Debt Securities | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 629 | 1,582 | 2,983 | 3,514 | 3,394 | |||
| Total Assets | HRK mil | 26,768 | 26,336 | 27,323 | 28,748 | 27,049 | ||||||||||||
| Shareholders' Equity | HRK mil | 3,458 | 3,568 | 3,386 | 3,595 | 3,535 | ||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 322 | 149 | 199 | 169 | 236 | |||
| Customer Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14,126 | 15,839 | 17,774 | 20,213 | 19,922 | |||
| Issued Debt Securities | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,339 | 6,211 | 5,439 | 4,337 | 2,552 | |||
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.07 | 2.73 | 0.978 | 5.44 | 3.39 | |||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.516 | 0.362 | 0.127 | 0.678 | 0.434 | |||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.59 | 2.54 | 2.40 | 2.32 | 2.28 | |||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 57.6 | 60.7 | 63.4 | 55.5 | 53.0 | |||
| Capital Adequacy Ratio | % | 16.0 | 17.6 | 17.2 | 19.0 | 18.7 | ||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.20 | 2.93 | 2.39 | 2.55 | 2.85 | |||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.2 | 70.1 | 63.0 | 60.9 | 66.3 | |||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.3 | 21.0 | 24.4 | 21.1 | 20.6 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 50.4 | 50.3 | 50.5 | 47.9 | 48.3 | |||
| Equity (As % Of Assets) | % | 12.9 | 13.5 | 12.4 | 12.5 | 13.1 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 129 | 108 | 98.0 | 85.1 | 85.1 | |||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 68.2 | 64.9 | 63.7 | 59.9 | 62.7 | |||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.89 | 10.1 | 11.8 | 12.0 | 11.3 | |||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.3 | 85.1 | 76.3 | 80.2 | 80.3 | |||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.90 | -9.10 | -17.7 | 11.4 | 11.5 |
| 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 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,410 | 1,345 | 1,207 | 1,199 | 1,198 | |||
| Interest Cost | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 553 | 566 | 566 | 485 | 402 | |||
| Net Interest Income | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 857 | 779 | 641 | 714 | 796 | |||
| Net Fee Income | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 245 | 233 | 248 | 247 | 247 | |||
| Other Income | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 102 | 99.0 | 129 | 212 | 158 | |||
| Total Revenues | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,204 | 1,111 | 1,018 | 1,173 | 1,201 | |||
| Staff Cost | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 349 | 339 | 326 | 312 | 307 | |||
| Depreciation | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 74.0 | 71.0 | 67.0 | 66.0 | 58.0 | |||
| Other Cost | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 270 | 264 | 252 | 273 | 271 | |||
| Operating Cost | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 693 | 674 | 645 | 651 | 636 | |||
| Operating Profit | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 511 | 437 | 373 | 522 | 565 | |||
| Provisions | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 329 | 307 | 362 | 273 | 410 | |||
| Extra and Other Cost | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | -1.00 | |||
| Pre-Tax Profit | HRK mil | 182 | 130 | 11.0 | 249 | 156 | ||||||||||||
| Tax | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 44.0 | 34.0 | -23.0 | 59.0 | 35.0 | |||
| Minorities | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||
| Net Profit | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 138 | 96.0 | 34.0 | 190 | 121 | |||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.90 | -9.10 | -17.7 | 11.4 | 11.5 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.51 | -4.90 | 6.44 | -0.403 | 0 | ||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.12 | -7.72 | -8.37 | 15.2 | 2.39 | ||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.91 | -2.74 | -4.30 | 0.930 | -2.30 | ||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.40 | -14.5 | -14.6 | 39.9 | 8.24 | ||
| Pre-Tax Profit Growth | % | ... | -18.8 | -28.6 | -91.5 | 2,164 | -37.3 | |||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -18.8 | -30.4 | -64.6 | 459 | -36.3 | ||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.49 | 7.48 | 7.07 | 8.10 | 8.25 | |||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.65 | 3.52 | 7.17 | 13.8 | ... | ... | ||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.21 | 6.87 | 6.84 | 6.80 | 6.70 | |||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.48 | 9.17 | 8.92 | 9.05 | 8.17 |
| 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 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,477 | 3,831 | 5,071 | 6,142 | 5,106 | |||
| Interbank Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,921 | 3,337 | 1,425 | 1,490 | 1,269 | |||
| Customer Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,247 | 17,105 | 17,412 | 17,209 | 16,960 | |||
| Retail Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,737 | 8,782 | 8,936 | 8,759 | 8,470 | |||
| Corporate Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,814 | 9,697 | 10,071 | 10,153 | 10,112 | |||
| Debt Securities | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 629 | 1,582 | 2,983 | 3,514 | 3,394 | |||
| Fixed Assets | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 388 | 331 | 282 | 256 | 182 | |||
| Total Assets | HRK mil | 26,768 | 26,336 | 27,323 | 28,748 | 27,049 | ||||||||||||
| Shareholders' Equity | HRK mil | 3,458 | 3,568 | 3,386 | 3,595 | 3,535 | ||||||||||||
| Of Which Minority Interest | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||
| Liabilities | HRK mil | 23,310 | 22,768 | 23,937 | 25,153 | 23,514 | ||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 322 | 149 | 199 | 169 | 236 | |||
| Customer Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14,126 | 15,839 | 17,774 | 20,213 | 19,922 | |||
| Retail Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,246 | 10,984 | 11,893 | 12,439 | 12,316 | |||
| Corporate Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,726 | 4,674 | 5,669 | 7,525 | 7,381 | |||
| Sight Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,829 | 7,265 | 7,883 | ||
| Term Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11,945 | 12,948 | 12,039 | ||
| Issued Debt Securities | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,339 | 6,211 | 5,439 | 4,337 | 2,552 | |||
| Other Liabilities | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 523 | 569 | 525 | 434 | 804 | |||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,941 | 1,889 | 2,266 | 2,277 | 2,102 | |||
| Gross Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19,630 | 18,623 | 19,141 | 19,036 | 18,647 | |||
| Total Provisions | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,383 | 1,608 | 1,729 | 1,827 | 1,687 | |||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.219 | -6.26 | 1.79 | -1.17 | -1.45 | ||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -1.79 | 0.515 | 1.75 | -1.98 | -3.30 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.74 | -10.3 | 3.86 | 0.814 | -0.404 | ||
| Total Asset Growth | % | ... | 0.093 | -1.61 | 3.75 | 5.22 | -5.91 | |||||||||||
| Shareholders' Equity Growth | % | ... | 4.19 | 3.18 | -5.10 | 6.17 | -1.67 | |||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.28 | 12.1 | 12.2 | 13.7 | -1.44 | ||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.16 | 7.20 | 8.28 | 4.59 | -0.989 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.53 | 25.4 | 21.3 | 32.7 | -1.91 | ||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.24 | 7.24 | 7.44 | 7.50 | 7.62 | |||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.69 | 10.0 | 10.5 | 11.0 | 11.6 | |||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.82 | 6.95 | 7.23 | 7.16 | 7.03 | |||
| Market Share in Total Assets | % | 6.42 | 6.42 | 6.58 | 6.86 | 6.50 | ||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.40 | 6.98 | 7.52 | 8.28 | 7.75 | |||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.01 | 6.17 | 6.63 | 6.80 | 6.56 | |||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.74 | 10.4 | 13.4 | 17.2 | 13.9 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.07 | 2.73 | 0.978 | 5.44 | 3.39 | |||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.516 | 0.362 | 0.127 | 0.678 | 0.434 | |||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.59 | 2.54 | 2.40 | 2.32 | 2.28 | |||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 57.6 | 60.7 | 63.4 | 55.5 | 53.0 | |||
| Capital Adequacy Ratio | % | 16.0 | 17.6 | 17.2 | 19.0 | 18.7 | ||||||||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.20 | 2.93 | 2.39 | 2.55 | 2.85 | |||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.90 | 2.61 | 2.08 | 2.30 | 2.64 | |||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.27 | 5.07 | 4.50 | 4.28 | 4.29 | |||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.37 | 2.46 | 2.42 | 1.98 | 1.65 | |||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.2 | 70.1 | 63.0 | 60.9 | 66.3 | |||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.3 | 21.0 | 24.4 | 21.1 | 20.6 | |||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.47 | 8.91 | 12.7 | 18.1 | 13.2 | |||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,450 | 3,249 | 3,207 | 3,043 | 2,741 | |||
| Cost Per Employee (Local Currency) | HRK per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,454 | 19,011 | 18,306 | 18,043 | 18,261 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 50.4 | 50.3 | 50.5 | 47.9 | 48.3 | |||
| Equity (As % Of Assets) | % | 12.9 | 13.5 | 12.4 | 12.5 | 13.1 | ||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 129 | 108 | 98.0 | 85.1 | 85.1 | |||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 68.2 | 64.9 | 63.7 | 59.9 | 62.7 | |||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.89 | 10.1 | 11.8 | 12.0 | 11.3 | |||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.3 | 85.1 | 76.3 | 80.2 | 80.3 | |||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.58 | 9.40 | 9.93 | 10.6 | 9.95 | |||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.80 | 1.74 | 2.10 | 1.58 | 2.40 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 120 | 115 | 109 | 108 | 96.0 | |||
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,576 | 1,486 | 1,484 | 1,441 | 1,401 | ||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 257 | |||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32.8 | 35.9 | 39.6 | ||
| Risk-Weighted Assets | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16,979 | 17,295 |
Get all company financials in excel:
By Helgi Library - July 4, 2018
Splitska Banka made a net profit of HRK -85.0 mil in 2017, down 123% compared to the previous year. This implies a return on equity of -2.34%. Historically, the bank’s net profit reached an all time high of HRK 365 mil in 2016 and an all time low of HRK -85...
By Helgi Library - July 4, 2018
Splitska Banka's customer loans reached HRK 14,839 mil in 2017, down 7.81% 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. Splitska Banka accounted for 6.97...
By Helgi Library - July 4, 2018
Splitska Banka's customer loans reached HRK 14,839 mil in 2017, down 7.81% 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. Splitska Banka accounted for 6.97...
By Helgi Library - July 4, 2018
Splitska Banka's customer deposits reached HRK 20,625 mil in 2017, down 1.21% 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. Splitska Banka accounted for 7...
By Helgi Library - July 4, 2018
Splitska Banka's customer deposits reached HRK 20,625 mil in 2017, down 1.21% 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. Splitska Banka accounted for 7...
By Helgi Library - December 12, 2019
Splitska Banka's corporate loans reached HRK 8,855 mil in 2017, down 9.13% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. Splitska Banka accounted for 10.8%...
By Helgi Library - December 12, 2019
Splitska Banka's corporate loans reached HRK 8,855 mil in 2017, down 9.13% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. Splitska Banka accounted for 10.8%...
By Helgi Library - July 16, 2018
Splitska Banka's corporate deposits reached HRK 8,493 mil in 2017, up 1.49% 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. Splitska Banka accounted for 1...
By Helgi Library - July 16, 2018
Splitska Banka's corporate deposits reached HRK 8,493 mil in 2017, up 1.49% 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. Splitska Banka accounted for 1...
By Helgi Library - July 16, 2018
Splitska Banka generated total banking revenues of HRK 1,129 mil in 2017, down 6.15% 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. ...
Société Générale - Splitska Banka d.d. is a Croatia-based subsidiary of Société Générale S.A.. Splitska banka offers a typical range of banking services and products such as savings, foreign currency, and current accounts; cash, housing, tourist, mortgage, consumer and car loans; debit and credit cards; safety deposit boxes; and Internet banking services for retail segment. It also provides banking services for small, medium and large enterprises as well as investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank operates a network of 118 branches and maintains a 6-7% market share among banks in Croatia. The Bank was privatized in 2000 and bought by UniCredit. In 2006, French group Société Générale took over the Bank and changed name to Société Générale - Splitska banka d.d.
Splitska Banka has been growing its revenues and asset by 0.322% and 0.407% a year on average in the last 5 years. Its loans and deposits have grown by -2.80% and 5.42% a year during that time and loans to deposits ratio reached 71.9% at the end of 2017. The company achieved an average return on equity of 3.50% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 59.8% in 2017, compared to 56.4% average in the last five years.
Equity represented 13.1% of total assets or 23.7% of loans at the end of 2017. Splitska Banka's non-performing loans were 13.0% of total loans while provisions covered some 93.1% of NPLs at the end of 2017.
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