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NKBM Group

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NKBM Group

The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The Group is composed of the parent company (Nova KBM), and thirteen other members

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The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The Group is composed of the parent company (Nova KBM), and thirteen other members that operate in Austria, Croatia, Serbia and Slovenia. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 68 branches and 265 ATMs. The Bank was founded in 1862 and is based in Maribor, the Republic of Slovenia.

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summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

            136 147 136 106 74.6    
            203 221 195 170 199    
            90.1 77.5 53.5 49.2 67.8    
            10.4 10.8 -82.4 -206 -630    

balance sheet

            212 246 177 162 104    
            3,844 4,035 3,844 3,398 2,232    
            1,305 1,166 1,305 1,257 1,841    
            5,786 5,867 5,816 5,322 4,811    
            431 439 436 253 560    
            1,486 1,376 1,271 1,168 958    
            3,508 3,713 3,765 3,619 3,079    
            283 257 237 185 136    

ratios

            2.53% 2.48% -18.9% -59.7% -155%    
            0.185% 0.185% -1.41% -3.69% -12.4%    
            2.01% 2.47% 2.43% 2.16% 2.58%    
            55.7% 65.0% 72.6% 71.0% 65.9%    
...           11.7% 11.7% 10.8% 9.17% 18.3%    
            2.42% 2.53% 2.32% 1.90% 1.47%    
            67.1% 66.5% 69.5% 62.4% 37.5%    
            29.2% 28.5% 28.9% 34.7% 28.5%    
            54.1% 48.1% 44.7% 50.8% 42.1%    
            7.45% 7.48% 7.49% 4.76% 11.6%    
            110% 109% 102% 93.9% 72.5%    
            66.4% 68.8% 66.1% 63.8% 46.4%    
... ... ...       8.03% 13.1% 16.2% 15.1% 15.0%    
... ... ...       47.1% 39.4% 46.6% 105% 139%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
            262 254 263 228 173    
            126 107 127 122 98.0    
            136 147 136 106 74.6    
            59.5 63.1 56.4 58.8 56.6    
            7.47 11.0 3.20 5.02 67.5    
            203 221 195 170 199    
            61.3 69.2 63.4 61.2 55.2    
            14.1 15.3 16.6 16.4 15.6    
            38.0 59.5 61.7 42.8 60.1    
            113 144 142 121 131    
            90.1 77.5 53.5 49.2 67.8    
            151 219 314 641 590    
            -4.35 -23.7 -19.3 -20.7 0.000    
            17.6 18.0 -103 -240 -653    
            4.72 6.59 -21.4 -12.5 32.0    
            2.45 0.633 1.32 -0.108 -54.5    
            10.4 10.8 -82.4 -206 -630    

growth rates

...           1.13% 7.92% -7.95% -21.9% -29.5%    
...           8.73% 6.06% -10.5% 4.20% -3.82%    
...           1.62% 8.83% -11.8% -13.1% 17.1%    
...           -1.35% 26.9% -1.51% -15.0% 8.61%    
...           5.63% -14.0% -31.0% -8.07% 37.9%    
...           -19.2% 2.26% -670% 134% 172%    
...           -23.4% 3.34% -865% 149% 207%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

balance sheet

            180 140 147 224 461    
            212 246 177 162 104    
            3,844 4,035 3,844 3,398 2,232    
... ... ... ... ... ... ... ... ... ... ...    
            1,305 1,166 1,305 1,257 1,841    
            101 125 128 124 107    
            5,786 5,867 5,816 5,322 4,811    
            431 439 436 253 560    
            38.9 42.1 41.5 43.0 -6.64    
            5,354 5,428 5,381 5,069 4,251    
            1,486 1,376 1,271 1,168 958    
            3,508 3,713 3,765 3,619 3,079    
... ... ... ... ... ... ... ... ... ... 2,422    
... ... ... ... ... ... ... ... ... ... 373    
... ... ... ... ... ... ... ... ... ... 2,093    
... ... ... ... ... ... ... ... ... ... 982    
            283 257 237 185 136    
            77.8 83.0 108 96.9 77.7    

asset quality

Non-Performing Loans EUR mil
Gross Loans EUR mil
Provisions EUR mil
... ... ...       321 556 673 608 424    
            3,995 4,254 4,158 4,039 2,822    
            151 219 314 641 590    

growth rates

...           1.19% 4.96% -4.73% -11.6% -34.3%    
... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... ...  
...           5.39% 1.40% -0.860% -8.50% -9.60%    
...           9.36% 1.79% -0.780% -41.9% 121%    
...           10.1% 5.85% 1.41% -3.89% -14.9%    
... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... ...    

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

ratios

            2.53% 2.48% -18.9% -59.7% -155%    
            0.185% 0.185% -1.41% -3.69% -12.4%    
            2.01% 2.47% 2.43% 2.16% 2.58%    
            55.7% 65.0% 72.6% 71.0% 65.9%    
...           11.7% 11.7% 10.8% 9.17% 18.3%    
...     ... ... ... ... 7.04% 7.81% 8.17% 18.1%    
            2.42% 2.53% 2.32% 1.90% 1.47%    
...           2.24% 2.38% 2.15% 1.76% 1.30%    
            4.65% 4.36% 4.50% 4.09% 3.41%    
...           2.41% 1.98% 2.35% 2.34% 2.10%    
            67.1% 66.5% 69.5% 62.4% 37.5%    
            29.2% 28.5% 28.9% 34.7% 28.5%    
            3.67% 4.98% 1.64% 2.96% 34.0%    
... ... ... ...     2,608 2,521 2,455 3,232 3,288    
... ... ... ...     1,875 1,906 1,766 2,517 2,476    
            54.1% 48.1% 44.7% 50.8% 42.1%    
            7.45% 7.48% 7.49% 4.76% 11.6%    
            110% 109% 102% 93.9% 72.5%    
            66.4% 68.8% 66.1% 63.8% 46.4%    
... ... ...       8.03% 13.1% 16.2% 15.1% 15.0%    
... ... ...       47.1% 39.4% 46.6% 105% 139%    
            3.93% 5.43% 8.16% 18.9% 26.4%    
            2.01% 2.11% 4.45% 8.55% 25.6%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

other data

      ...   ... ... 75.0 74.0 73.0 68.0    
... ... ... ...     2,725 3,025 2,991 2,027 1,856    
... ...   ...     253 255 261 265 258    
... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ...   398 399 401 399 402    
... ... ... ... ... ... ... ... ... ... 68.0%    

Download Data
Nova Kreditna Banka Maribor at a Glance

The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The

Read more »

The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The Group is composed of the parent company (Nova KBM), and thirteen other members that operate in Austria, Croatia, Serbia and Slovenia. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 68 branches and 265 ATMs. The Bank was founded in 1862 and is based in Maribor, the Republic of Slovenia.

This report offers a summary of the bank's performance in 2003-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovenia

Nova Kreditna Banka Maribor in Numbers

The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The

Read more »

The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The Group is composed of the parent company (Nova KBM), and thirteen other members that operate in Austria, Croatia, Serbia and Slovenia. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 68 branches and 265 ATMs. The Bank was founded in 1862 and is based in Maribor, the Republic of Slovenia.

This excel file offers a summary of the bank's performance in 2003-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovenia

NKBM Group made a net profit of EUR 16.6 mil under revenues of EUR 175 mil in 2015, up -24.3% and -7.90% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of EUR 52.3 mil in

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NKBM Group made a net profit of EUR 16.6 mil under revenues of EUR 175 mil in 2015, up -24.3% and -7.90% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of EUR 52.3 mil in 2007 and an all time low of EUR -630 mil in 2013. The average profit in the last five years amounted to EUR -176 mil.

On the other hand, bank’s revenues amounted to an all time high of EUR 289 mil in 2005 and an all time low of EUR 162 mil in 2006. The average revenues in the last five years reached EUR 186 mil.

When compared to bank's main peers, Nova Ljubljanska banka generated a net profit of EUR 95.4 mil with revenues of EUR 535 mil in 2015, UniCredit Bank Slovenia netted EUR 8.72 mil (revenues of EUR 81.6 mil) and SKB Banka announced a net profit of EUR 34.3 mil (revenues of EUR 105 mil).

You can see all the bank’s data at NKBM Group Profile, or you can download a report on the bank in the report section.

NKBM Group generated total banking revenues of EUR 175 mil in 2015, down 7.9% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time

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NKBM Group generated total banking revenues of EUR 175 mil in 2015, down 7.9% when 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 EUR 289 mil in 2005 and an all time low of EUR 162 mil in 2006. The average revenue in the last five years amounted to EUR 186 mil.

Net interest income represented 56.1% of total revenues, fee income contributed 31.1% and other non-interest income added further 12.8% to the overall revenue generation in 2015.

Bank's total revenues accounted for 4.12% total assets in 2015, down from 4.35% a year earlier.

When compared to bank's main peers, Nova Ljubljanska banka generated total revenues of 4.52% of assets in 2015, UniCredit Bank Slovenia operated with 3.10% revenue margin and SKB Banka produced total income worth 3.95% of assets.

You can see all the bank’s data at NKBM Group Profile, or you can download a report on the bank in the report section.

NKBM Group's cost to income ratio reached 62.7% in 2015, up from 56.6% when compared to the previous year.

Historically, the bank’s costs reached an all time high of 72.6% of income in 2011 and an all time low of 56.6%

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NKBM Group's cost to income ratio reached 62.7% in 2015, up from 56.6% when compared to the previous year.

Historically, the bank’s costs reached an all time high of 72.6% of income in 2011 and an all time low of 56.6% in 2014.

When compared to total assets, bank's cost amounted to 2.55% in 2015, up from 2.34% a year earlier.

Staff accounted for 41.3% of total operating expenditures in 2015. The bank operated a network of 61.0 branches and employed 1,591 persons in 2015.

When compared to bank's main peers, Nova Ljubljanska banka operated in 2015 with a cost to income ratio of 64.5% in 2015, UniCredit Bank Slovenia reached 53.3% and SKB Banka some 53.0%.

You can see all the bank’s data at NKBM Group Profile, or you can download a report on the bank in the report section.

NKBM Group's net interest margin amounted to 2.28% in 2015, down from 2.41% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 3.15% in 2004 and an all time low

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NKBM Group's net interest margin amounted to 2.28% in 2015, down from 2.41% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 3.15% in 2004 and an all time low of 1.47% in 2013. The average margin in the last five years amounted to 2.08%.

Average asset yield was 2.84% in 2015, down from 3.51% when compared to previous year. On the other hand, cost of funding amounted to 0.657% in 2015, down from 1.26%.

When compared to bank's main peers, Nova Ljubljanska banka operated in 2015 with a net interest margin of 2.87% in 2015, UniCredit Bank Slovenia reached 1.79% and SKB Banka some 2.58%.

You can see all the bank’s data at NKBM Group Profile, or you can download a report on the bank in the report section.

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