By Helgi Library - September 3, 2018
TBI Bank made a net profit of BGN 31.1 mil under revenues of BGN 93.7 mil in 2017, up 32.1% and 39.7% respectively compared to the pr...
By Helgi Library - September 3, 2018
TBI Bank made a net profit of BGN 31.1 mil under revenues of BGN 93.7 mil in 2017, up 32.1% and 39.7% respectively compared to the pr...
By Helgi Library - September 20, 2018
TBI Bank generated total banking revenues of BGN 93.7 mil in 2017, up 39.7% compared to the previous year. Bulgarian banki...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | BGN mil | 44.5 | 58.7 | 80.7 |
| Net Fee Income | BGN mil | 14.2 | 9.93 | 13.6 |
| Other Income | BGN mil | 8.31 | -1.49 | -0.586 |
| Total Revenues | BGN mil | 67.0 | 67.1 | 93.7 |
| Operating Profit | BGN mil | 37.4 | 32.9 | 49.3 |
| Provisions | BGN mil | 7.07 | 7.56 | 14.1 |
| Net Profit | BGN mil | 27.9 | 23.6 | 31.1 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Customer Loans | BGN mil | 316 | 359 | 445 |
| Total Assets | BGN mil | 515 | 594 | 687 |
| Shareholders' Equity | BGN mil | 106 | 133 | 165 |
| Interbank Borrowing | BGN mil | 0 | 0.031 | 0.224 |
| Customer Deposits | BGN mil | 400 | 449 | 507 |
| Issued Debt Securities | BGN mil | 0 | 0.031 | 0.224 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 31.6 | 19.7 | 20.9 |
| ROA | % | 5.60 | 4.25 | 4.86 |
| Costs (As % Of Assets) | % | 5.94 | 6.17 | 6.93 |
| Costs (As % Of Income) | % | 44.1 | 51.0 | 47.4 |
| Net Interest Margin | % | 8.95 | 10.6 | 12.6 |
| Loans (As % Of Deposits) | % | 79.0 | 79.9 | 87.7 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 47.1 | 0.154 | 39.7 |
| Operating Cost Growth | % | 28.6 | 15.6 | 29.8 |
| Operating Profit Growth | % | 65.9 | -12.1 | 49.9 |
| Net Profit Growth | % | 60.9 | -15.3 | 32.1 |
| Customer Loan Growth | % | -15.9 | 13.4 | 24.1 |
| Total Asset Growth | % | 7.25 | 15.3 | 15.6 |
| Customer Deposit Growth | % | 1.22 | 12.0 | 13.1 |
| Shareholders' Equity Growth | % | 51.7 | 25.4 | 23.8 |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | BGN mil | 3.75 | 7.57 | 28.6 | 34.5 | 44.5 | ||||||
| Total Revenues | BGN mil | 23.2 | 8.91 | 34.7 | 45.6 | 67.0 | ||||||
| Operating Profit | BGN mil | 19.6 | -1.40 | 15.0 | 22.6 | 37.4 | ||||||
| Net Profit | BGN mil | -4.67 | -0.631 | 4.29 | 17.3 | 27.9 | ||||||
| balance sheet | ||||||||||||
| Customer Loans | BGN mil | 67.7 | 129 | 290 | 376 | 316 | ||||||
| Debt Securities | BGN mil | 0.590 | 0.089 | 0.089 | 1.11 | 11.9 | ||||||
| Total Assets | BGN mil | 74.7 | 189 | 408 | 480 | 515 | ||||||
| Shareholders' Equity | BGN mil | 26.2 | 33.5 | 52.7 | 70.0 | 106 | ||||||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Customer Deposits | BGN mil | 48.2 | 152 | 345 | 396 | 400 | ||||||
| Issued Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| ratios | ||||||||||||
| ROE | % | -19.2 | -2.11 | 9.96 | 28.2 | 31.6 | ||||||
| ROA | % | -3.43 | -0.479 | 1.44 | 3.90 | 5.60 | ||||||
| Costs (As % Of Assets) | % | 2.64 | 7.82 | 6.62 | 5.18 | 5.94 | ||||||
| Costs (As % Of Income) | % | 15.5 | 116 | 56.9 | 50.5 | 44.1 | ||||||
| Net Interest Margin | % | 2.75 | 5.74 | 9.56 | 7.77 | 8.95 | ||||||
| Interest Income (As % Of Revenues) | % | 16.1 | 84.9 | 82.2 | 75.7 | 66.5 | ||||||
| Fee Income (As % Of Revenues) | % | -0.013 | 15.1 | 15.9 | 20.0 | 21.1 | ||||||
| Equity (As % Of Assets) | % | 35.0 | 17.7 | 12.9 | 14.6 | 20.6 | ||||||
| Loans (As % Of Deposits) | % | 140 | 85.1 | 84.0 | 95.1 | 79.0 | ||||||
| Loans (As % Assets) | % | 90.7 | 68.2 | 71.1 | 78.3 | 61.4 | ||||||
| valuation | ||||||||||||
| Book Value Per Share Growth | % | ... | -60.5 | 102 | 277 | 20.8 | 29.1 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Interest Income | BGN mil | 7.23 | 12.3 | 41.8 | 45.9 | 53.2 | ||||||
| Interest Cost | BGN mil | 3.49 | 4.73 | 13.2 | 11.4 | 8.69 | ||||||
| Net Interest Income | BGN mil | 3.75 | 7.57 | 28.6 | 34.5 | 44.5 | ||||||
| Net Fee Income | BGN mil | -0.003 | 1.34 | 5.53 | 9.13 | 14.2 | ||||||
| Other Income | BGN mil | 19.5 | 0.001 | 0.654 | 1.93 | 8.31 | ||||||
| Total Revenues | BGN mil | 23.2 | 8.91 | 34.7 | 45.6 | 67.0 | ||||||
| Depreciation | BGN mil | 0.308 | 0.351 | 0.875 | 1.27 | 1.42 | ||||||
| Operating Cost | BGN mil | 3.59 | 10.3 | 19.8 | 23.0 | 29.6 | ||||||
| Operating Profit | BGN mil | 19.6 | -1.40 | 15.0 | 22.6 | 37.4 | ||||||
| Provisions | BGN mil | 24.3 | -0.688 | 10.7 | 5.12 | 7.07 | ||||||
| Extra and Other Cost | BGN mil | -0.007 | -0.076 | 0.022 | 0.119 | 0.004 | ||||||
| Pre-Tax Profit | BGN mil | -4.67 | -0.631 | 4.29 | 17.3 | 30.4 | ||||||
| Tax | BGN mil | 0 | 0 | 0 | 0 | 2.49 | ||||||
| Minorities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Net Profit | BGN mil | -4.67 | -0.631 | 4.29 | 17.3 | 27.9 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | -60.5 | 102 | 277 | 20.8 | 29.1 | |||||
| Net Fee Income Growth | % | ... | -95.9 | -44,900 | 312 | 65.0 | 55.1 | |||||
| Total Revenue Growth | % | ... | 146 | -61.6 | 290 | 31.1 | 47.1 | |||||
| Operating Cost Growth | % | ... | -21.1 | 187 | 91.6 | 16.4 | 28.6 | |||||
| Operating Profit Growth | % | ... | 301 | -107 | -1,175 | 50.5 | 65.9 | |||||
| Pre-Tax Profit Growth | % | ... | -67.5 | -86.5 | -780 | 303 | 75.3 | |||||
| Net Profit Growth | % | ... | -67.6 | -86.5 | -780 | 303 | 60.9 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 0.591 | 0.234 | 0.937 | 1.17 | 1.62 | ||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | 0.852 | 2.44 | 3.10 |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||
| Cash | BGN mil | 3.02 | 52.4 | 96.8 | 76.9 | 143 | ||||||
| Customer Loans | BGN mil | 67.7 | 129 | 290 | 376 | 316 | ||||||
| Debt Securities | BGN mil | 0.590 | 0.089 | 0.089 | 1.11 | 11.9 | ||||||
| Fixed Assets | BGN mil | 0.928 | 1.94 | 10.5 | 13.4 | 13.4 | ||||||
| Total Assets | BGN mil | 74.7 | 189 | 408 | 480 | 515 | ||||||
| Shareholders' Equity | BGN mil | 26.2 | 33.5 | 52.7 | 70.0 | 106 | ||||||
| Of Which Minority Interest | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Liabilities | BGN mil | 48.5 | 155 | 355 | 410 | 409 | ||||||
| Interbank Borrowing | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Customer Deposits | BGN mil | 48.2 | 152 | 345 | 396 | 400 | ||||||
| Issued Debt Securities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| Other Liabilities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | -64.2 | 90.5 | 125 | 29.6 | -15.9 | |||||
| Total Asset Growth | % | ... | -62.2 | 153 | 116 | 17.7 | 7.25 | |||||
| Shareholders' Equity Growth | % | ... | 16.7 | 28.2 | 57.1 | 32.9 | 51.7 | |||||
| Customer Deposit Growth | % | ... | -72.3 | 214 | 128 | 14.5 | 1.22 | |||||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 0.125 | 0.232 | 0.520 | 0.730 | 0.624 | ||||||
| Market Share in Total Assets | % | 0.124 | 0.293 | 0.585 | 0.684 | 0.676 | ||||||
| Market Share in Customer Deposits | % | 0.090 | 0.262 | 0.550 | 0.616 | 0.599 |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||
| ROE | % | -19.2 | -2.11 | 9.96 | 28.2 | 31.6 | ||||||
| ROA | % | -3.43 | -0.479 | 1.44 | 3.90 | 5.60 | ||||||
| Costs (As % Of Assets) | % | 2.64 | 7.82 | 6.62 | 5.18 | 5.94 | ||||||
| Costs (As % Of Income) | % | 15.5 | 116 | 56.9 | 50.5 | 44.1 | ||||||
| Net Interest Margin | % | 2.75 | 5.74 | 9.56 | 7.77 | 8.95 | ||||||
| Interest Spread | % | ... | 2.20 | 4.69 | 8.82 | 7.36 | 8.57 | |||||
| Asset Yield | % | 5.31 | 9.33 | 14.0 | 10.3 | 10.7 | ||||||
| Cost Of Liabilities | % | ... | 3.12 | 4.64 | 5.19 | 2.99 | 2.12 | |||||
| Interest Income (As % Of Revenues) | % | 16.1 | 84.9 | 82.2 | 75.7 | 66.5 | ||||||
| Fee Income (As % Of Revenues) | % | -0.013 | 15.1 | 15.9 | 20.0 | 21.1 | ||||||
| Other Income (As % Of Revenues) | % | 83.9 | 0.011 | 1.88 | 4.23 | 12.4 | ||||||
| Equity (As % Of Assets) | % | 35.0 | 17.7 | 12.9 | 14.6 | 20.6 | ||||||
| Loans (As % Of Deposits) | % | 140 | 85.1 | 84.0 | 95.1 | 79.0 | ||||||
| Loans (As % Assets) | % | 90.7 | 68.2 | 71.1 | 78.3 | 61.4 | ||||||
| Cost of Provisions (As % Of Loans) | % | 18.9 | -0.700 | 5.09 | 1.54 | 2.04 |
Get all company financials in excel:
By Helgi Library - September 20, 2018
TBI Bank generated total banking revenues of BGN 93.7 mil in 2017, up 39.7% compared to the previous year. Bulgarian banking sector banking sector generated total revenues of BGN 3,870 mil in 2017, down 4.62% when compared to the last year. As a...
By Helgi Library - September 3, 2018
TBI Bank's net interest margin amounted to 12.6% in 2017, up from 10.6% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 12.6% in 2017 and an all time low of 2.75% in 2011. The average margin in the...
By Helgi Library - September 3, 2018
TBI Bank's customer deposits reached BGN 507 mil in 2017, up 13.1% compared to the previous year. Bulgarian banking sector accepted customer deposits of BGN 76.5 bil in 2017, up 5.94% when compared to the last year. TBI Bank accounted for 0.663% of all cu...
By Helgi Library - September 3, 2018
TBI Bank's customer loans reached BGN 445 mil in 2017, up 24.1% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. TBI Bank accounted for 0.746% of all customer...
By Helgi Library - September 3, 2018
TBI Bank's customer deposits reached BGN 507 mil in 2017, up 13.1% compared to the previous year. Bulgarian banking sector accepted customer deposits of BGN 76.5 bil in 2017, up 5.94% when compared to the last year. TBI Bank accounted for 0.663% of all cu...
By Helgi Library - September 3, 2018
TBI Bank's net interest margin amounted to 12.6% in 2017, up from 10.6% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 12.6% in 2017 and an all time low of 2.75% in 2011. The average margin in the...
By Helgi Library - September 3, 2018
TBI Bank's customer loans reached BGN 445 mil in 2017, up 24.1% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. TBI Bank accounted for 0.746% of all customer...
By Helgi Library - September 3, 2018
TBI Bank generated total banking revenues of BGN 93.7 mil in 2017, up 39.7% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of BGN 93.7 mil in 2017 and an all ti...
By Helgi Library - September 3, 2018
TBI Bank generated total banking revenues of BGN 93.7 mil in 2017, up 39.7% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of BGN 93.7 mil in 2017 and an all ti...
By Helgi Library - September 3, 2018
TBI Bank's customer loan growth reached 24.1% in 2017, up from 13.4% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 125% in 2013 and an all time low of -64.2% in 2011. In the last decade, the average annua...
TBI Bank has been growing its revenues and asset by 27.2% and 12.7% a year on average in the last 3 years. Its loans and deposits have grown by 5.77% and 8.64% a year during that time and loans to deposits ratio reached 87.7% at the end of 2017. The company achieved an average return on equity of 24.1% in the last three years with net profit growing 21.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.4% in 2017, compared to 47.5% average in the last three years.
Equity represented 24.0% of total assets or 37.1% of loans at the end of 2017. TBI Bank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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