By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's net interest margin amounted to 2.18% in 2017, up from 2.13% compared to the previous year. ...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's net interest margin amounted to 2.18% in 2017, up from 2.13% compared to the previous year. ...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica made a net profit of HRK 1.74 mil under revenues of HRK 57.1 mil in 2017, up -35.4% and -3.97% respecti...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HRK mil | 41.5 | 41.0 | 41.5 |
| Net Fee Income | HRK mil | 14.1 | 14.6 | 14.9 |
| Other Income | HRK mil | 4.83 | 3.92 | 0.716 |
| Total Revenues | HRK mil | 60.5 | 59.5 | 57.1 |
| Staff Cost | HRK mil | 26.3 | 26.3 | 26.3 |
| Operating Profit | HRK mil | 7.16 | 5.84 | 3.63 |
| Provisions | HRK mil | 0.099 | 1.30 | 1.26 |
| Net Profit | HRK mil | 5.44 | 2.69 | 1.74 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HRK mil | 8.93 | 3.97 | 3.97 |
| Customer Loans | HRK mil | 1,269 | 1,254 | 1,295 |
| Total Assets | HRK mil | 1,942 | 1,910 | 1,897 |
| Shareholders' Equity | HRK mil | 106 | 109 | 110 |
| Interbank Borrowing | HRK mil | 95.4 | 94.5 | 93.9 |
| Customer Deposits | HRK mil | 1,695 | 1,659 | 1,648 |
| Issued Debt Securities | HRK mil | 31.7 | 31.4 | 31.2 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 5.25 | 2.49 | 1.58 |
| ROA | % | 0.280 | 0.139 | 0.091 |
| Costs (As % Of Assets) | % | 2.74 | 2.79 | 2.81 |
| Costs (As % Of Income) | % | 88.2 | 90.2 | 93.7 |
| Capital Adequacy Ratio | % | 16.1 | 16.7 | 16.6 |
| Net Interest Margin | % | 2.14 | 2.13 | 2.18 |
| Loans (As % Of Deposits) | % | 74.9 | 75.6 | 78.6 |
| NPLs (As % Of Loans) | % | 1.21 | 1.08 | 1.15 |
| Provisions (As % Of NPLs) | % | 83.9 | 104 | 100 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -11.3 | -1.63 | -3.97 |
| Operating Cost Growth | % | 1.49 | 0.617 | -0.274 |
| Operating Profit Growth | % | -54.3 | -18.4 | -37.9 |
| Net Profit Growth | % | -54.9 | -50.6 | -35.4 |
| Customer Loan Growth | % | -2.07 | -1.24 | 3.33 |
| Total Asset Growth | % | -0.119 | -1.69 | -0.652 |
| Customer Deposit Growth | % | -0.459 | -2.15 | -0.654 |
| Shareholders' Equity Growth | % | 5.56 | 2.64 | 1.22 |
| Employees | 169 | 170 | 169 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Net Interest Income | HRK mil | 42.9 | 47.6 | 43.4 | 44.4 | 41.5 | |||||
| Total Revenues | HRK mil | 51.5 | 83.1 | 54.2 | 68.2 | 60.5 | |||||
| Operating Profit | HRK mil | -3.09 | 28.2 | -0.107 | 15.7 | 7.16 | |||||
| Net Profit | HRK mil | -4.01 | 22.0 | 0.767 | 12.1 | 5.44 | |||||
| balance sheet | |||||||||||
| Interbank Loans | HRK mil | 32.4 | 44.5 | 11.8 | 0 | 8.93 | |||||
| Customer Loans | HRK mil | 1,240 | 1,235 | 1,317 | 1,296 | 1,269 | |||||
| Debt Securities | HRK mil | 312 | 383 | 366 | 621 | 627 | |||||
| Total Assets | HRK mil | 1,603 | 1,684 | 1,726 | 1,945 | 1,942 | |||||
| Shareholders' Equity | HRK mil | 64.7 | 87.8 | 88.3 | 101 | 106 | |||||
| Interbank Borrowing | HRK mil | 94.1 | 94.3 | 98.5 | 95.8 | 95.4 | |||||
| Customer Deposits | HRK mil | 1,398 | 1,455 | 1,492 | 1,703 | 1,695 | |||||
| Issued Debt Securities | HRK mil | 36.3 | 36.4 | 36.9 | 31.8 | 31.7 | |||||
| ratios | |||||||||||
| ROE | % | -6.01 | 28.9 | 0.871 | 12.8 | 5.25 | |||||
| ROA | % | -0.267 | 1.34 | 0.045 | 0.657 | 0.280 | |||||
| Costs (As % Of Assets) | % | 3.63 | 3.34 | 3.19 | 2.86 | 2.74 | |||||
| Costs (As % Of Income) | % | 106 | 66.0 | 100 | 77.0 | 88.2 | |||||
| Capital Adequacy Ratio | % | 13.8 | 16.2 | 14.8 | 14.2 | 16.1 | |||||
| Net Interest Margin | % | 2.86 | 2.90 | 2.54 | 2.42 | 2.14 | |||||
| Interest Income (As % Of Revenues) | % | 83.4 | 57.3 | 80.0 | 65.1 | 68.6 | |||||
| Fee Income (As % Of Revenues) | % | 22.4 | 13.8 | 23.5 | 16.2 | 23.4 | |||||
| Staff Cost (As % Of Total Cost) | % | 44.6 | 42.0 | 45.6 | 47.2 | 49.3 | |||||
| Equity (As % Of Assets) | % | 4.04 | 5.21 | 5.12 | 5.18 | 5.47 | |||||
| Loans (As % Of Deposits) | % | 88.7 | 84.9 | 88.3 | 76.1 | 74.9 | |||||
| Loans (As % Assets) | % | 77.4 | 73.3 | 76.3 | 66.7 | 65.4 | |||||
| NPLs (As % Of Loans) | % | ... | ... | 0.638 | 0.903 | 1.03 | 1.20 | 1.21 | |||
| Provisions (As % Of NPLs) | % | ... | ... | 150 | 127 | 94.9 | 84.8 | 83.9 | |||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | 6.08 | 10.8 | -8.87 | 2.41 | -6.53 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Interest Income | HRK mil | 78.2 | 86.2 | 83.9 | 92.4 | 93.8 | |||||
| Interest Cost | HRK mil | 35.2 | 38.6 | 40.6 | 48.0 | 52.3 | |||||
| Net Interest Income | HRK mil | 42.9 | 47.6 | 43.4 | 44.4 | 41.5 | |||||
| Net Fee Income | HRK mil | 11.5 | 11.5 | 12.7 | 11.0 | 14.1 | |||||
| Other Income | HRK mil | -3.02 | 24.0 | -1.86 | 12.8 | 4.83 | |||||
| Total Revenues | HRK mil | 51.5 | 83.1 | 54.2 | 68.2 | 60.5 | |||||
| Staff Cost | HRK mil | 24.4 | 23.0 | 24.8 | 24.8 | 26.3 | |||||
| Depreciation | HRK mil | 4.21 | 4.49 | 4.62 | 5.16 | 5.27 | |||||
| Other Cost | HRK mil | 26.0 | 27.4 | 24.9 | 22.6 | 21.8 | |||||
| Operating Cost | HRK mil | 54.5 | 54.9 | 54.3 | 52.5 | 53.3 | |||||
| Operating Profit | HRK mil | -3.09 | 28.2 | -0.107 | 15.7 | 7.16 | |||||
| Provisions | HRK mil | 1.52 | 3.36 | -1.41 | 1.90 | 0.099 | |||||
| Extra and Other Cost | HRK mil | < 0.001 | 0 | < -0.001 | 0 | 0 | |||||
| Pre-Tax Profit | HRK mil | -4.61 | 24.9 | 1.31 | 13.8 | 7.06 | |||||
| Tax | HRK mil | -0.600 | 2.83 | 0.538 | 1.72 | 1.62 | |||||
| Minorities | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | HRK mil | -4.01 | 22.0 | 0.767 | 12.1 | 5.44 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | 6.08 | 10.8 | -8.87 | 2.41 | -6.53 | ||||
| Net Fee Income Growth | % | ... | -6.66 | -0.373 | 10.6 | -13.3 | 28.3 | ||||
| Total Revenue Growth | % | ... | -9.59 | 61.5 | -34.8 | 25.8 | -11.3 | ||||
| Operating Cost Growth | % | ... | 5.64 | 0.618 | -1.02 | -3.26 | 1.49 | ||||
| Operating Profit Growth | % | ... | -158 | -1,014 | -100 | -14,751 | -54.3 | ||||
| Pre-Tax Profit Growth | % | ... | -206 | -639 | -94.8 | 956 | -48.8 | ||||
| Net Profit Growth | % | ... | -208 | -650 | -96.5 | 1,472 | -54.9 | ||||
| market share | |||||||||||
| Market Share in Revenues | % | 0.320 | 0.560 | 0.377 | 0.471 | 0.416 | |||||
| Market Share in Net Profit | % | ... | 0.809 | 0.162 | 0.875 | ... | |||||
| Market Share in Employees | % | 0.869 | 0.809 | 0.839 | 0.826 | 0.808 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||
| Cash | HRK mil | 0.023 | 4.44 | 11.2 | 2.85 | 9.37 | |||||
| Interbank Loans | HRK mil | 32.4 | 44.5 | 11.8 | 0 | 8.93 | |||||
| Customer Loans | HRK mil | 1,240 | 1,235 | 1,317 | 1,296 | 1,269 | |||||
| Debt Securities | HRK mil | 312 | 383 | 366 | 621 | 627 | |||||
| Fixed Assets | HRK mil | 7.36 | 7.19 | 6.37 | 11.2 | 11.2 | |||||
| Total Assets | HRK mil | 1,603 | 1,684 | 1,726 | 1,945 | 1,942 | |||||
| Shareholders' Equity | HRK mil | 64.7 | 87.8 | 88.3 | 101 | 106 | |||||
| Of Which Minority Interest | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | HRK mil | 1,538 | 1,596 | 1,637 | 1,844 | 1,836 | |||||
| Interbank Borrowing | HRK mil | 94.1 | 94.3 | 98.5 | 95.8 | 95.4 | |||||
| Customer Deposits | HRK mil | 1,398 | 1,455 | 1,492 | 1,703 | 1,695 | |||||
| Retail Deposits | HRK mil | 1,398 | 1,455 | 1,492 | 1,703 | 1,695 | |||||
| Corporate Deposits | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | HRK mil | 36.3 | 36.4 | 36.9 | 31.8 | 31.7 | |||||
| Other Liabilities | HRK mil | 9.06 | 10.4 | 10.3 | 13.2 | 13.5 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | HRK mil | ... | ... | 7.99 | 11.3 | 13.6 | 15.8 | 15.6 | |||
| Gross Loans | HRK mil | 1,252 | 1,249 | 1,330 | 1,310 | 1,282 | |||||
| Total Provisions | HRK mil | 12.0 | 14.4 | 13.0 | 13.4 | 13.1 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 5.33 | -0.458 | 6.68 | -1.59 | -2.07 | ||||
| Total Asset Growth | % | ... | 14.2 | 5.08 | 2.47 | 12.7 | -0.119 | ||||
| Shareholders' Equity Growth | % | ... | -5.92 | 35.7 | 0.527 | 14.1 | 5.56 | ||||
| Customer Deposit Growth | % | ... | 9.83 | 4.05 | 2.52 | 14.2 | -0.459 | ||||
| Retail Deposit Growth | % | ... | 9.83 | 4.05 | 2.52 | 14.2 | -0.459 | ||||
| market share | |||||||||||
| Market Share in Customer Loans | % | 0.492 | 0.522 | 0.563 | 0.565 | 0.571 | |||||
| Market Share in Total Assets | % | 0.385 | 0.410 | 0.416 | 0.464 | 0.466 | |||||
| Market Share in Customer Deposits | % | 0.634 | 0.641 | 0.631 | 0.697 | 0.660 | |||||
| Market Share in Retail Deposits | % | 0.820 | 0.818 | 0.832 | 0.931 | 0.903 | |||||
| Market Share in Corporate Deposits | % | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||
| ROE | % | -6.01 | 28.9 | 0.871 | 12.8 | 5.25 | |||||
| ROA | % | -0.267 | 1.34 | 0.045 | 0.657 | 0.280 | |||||
| Costs (As % Of Assets) | % | 3.63 | 3.34 | 3.19 | 2.86 | 2.74 | |||||
| Costs (As % Of Income) | % | 106 | 66.0 | 100 | 77.0 | 88.2 | |||||
| Capital Adequacy Ratio | % | 13.8 | 16.2 | 14.8 | 14.2 | 16.1 | |||||
| Net Interest Margin | % | 2.86 | 2.90 | 2.54 | 2.42 | 2.14 | |||||
| Interest Spread | % | ... | 2.75 | 2.78 | 2.41 | 2.28 | 1.98 | ||||
| Asset Yield | % | 5.20 | 5.25 | 4.92 | 5.03 | 4.83 | |||||
| Cost Of Liabilities | % | ... | 2.45 | 2.47 | 2.51 | 2.76 | 2.84 | ||||
| Interest Income (As % Of Revenues) | % | 83.4 | 57.3 | 80.0 | 65.1 | 68.6 | |||||
| Fee Income (As % Of Revenues) | % | 22.4 | 13.8 | 23.5 | 16.2 | 23.4 | |||||
| Other Income (As % Of Revenues) | % | -5.87 | 28.9 | -3.44 | 18.8 | 7.98 | |||||
| Cost Per Employee | USD per month | 1,997 | 1,875 | 1,987 | 1,993 | 1,944 | |||||
| Cost Per Employee (Local Currency) | HRK per month | 10,680 | 10,971 | 11,344 | 11,819 | 12,951 | |||||
| Staff Cost (As % Of Total Cost) | % | 44.6 | 42.0 | 45.6 | 47.2 | 49.3 | |||||
| Equity (As % Of Assets) | % | 4.04 | 5.21 | 5.12 | 5.18 | 5.47 | |||||
| Loans (As % Of Deposits) | % | 88.7 | 84.9 | 88.3 | 76.1 | 74.9 | |||||
| Loans (As % Assets) | % | 77.4 | 73.3 | 76.3 | 66.7 | 65.4 | |||||
| NPLs (As % Of Loans) | % | ... | ... | 0.638 | 0.903 | 1.03 | 1.20 | 1.21 | |||
| Provisions (As % Of NPLs) | % | ... | ... | 150 | 127 | 94.9 | 84.8 | 83.9 | |||
| Provisions (As % Of Loans) | % | 0.964 | 1.16 | 0.983 | 1.03 | 1.03 | |||||
| Cost of Provisions (As % Of Loans) | % | 0.126 | 0.272 | -0.111 | 0.145 | 0.008 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||
| Employees | 190 | 175 | 182 | 175 | 169 |
Get all company financials in excel:
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica made a net profit of HRK 1.74 mil under revenues of HRK 57.1 mil in 2017, up -35.4% and -3.97% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 22.0 mil in 2012 and an all time l...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's non-performing loans reached 1.15% of total loans at the end of 2017, up from 1.08% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.21% in 2015 and an all time low of 0.445% in 2010. Provi...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's non-performing loans reached 1.15% of total loans at the end of 2017, up from 1.08% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.21% in 2015 and an all time low of 0.445% in 2010. Provi...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's customer deposits reached HRK 1,648 mil in 2017, down 0.654% 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. Wustenrot Stamb...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's customer deposits reached HRK 1,648 mil in 2017, down 0.654% 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. Wustenrot Stamb...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's customer loans reached HRK 1,295 mil in 2017, up 3.33% 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. Wustenrot Stambena St...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's customer loans reached HRK 1,295 mil in 2017, up 3.33% 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. Wustenrot Stambena St...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica generated total banking revenues of HRK 57.1 mil in 2017, down 3.97% 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 th...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica generated total banking revenues of HRK 57.1 mil in 2017, down 3.97% 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 th...
By Helgi Library - August 10, 2018
Wustenrot Stambena Stedionica's retail deposits reached HRK 1,648 mil in 2017, down 0.654% 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. Wustenrot Stambena...
Wustenrot Stambena Stedionica has been growing its revenues and asset by -7.22% and 2.41% a year on average in the last 5 years. Its loans and deposits have grown by 0.963% and 2.52% a year during that time and loans to deposits ratio reached 78.6% at the end of 2017. The company achieved an average return on equity of 4.59% in the last five years with net profit growing -39.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 93.7% in 2017, compared to 89.8% average in the last five years.
Equity represented 5.82% of total assets or 8.53% of loans at the end of 2017. Wustenrot Stambena Stedionica's non-performing loans were 1.15% of total loans while provisions covered some 100% of NPLs at the end of 2017.
Helgi Library 
