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Addiko Bank Croatia

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Addiko Bank Croatia

Addiko Bank Croatia is a successor of Hypo Alpe-Adria-Bank, an Austrian Banking Group, which was nationalized in 2009. In December 2014, the Bank was sold to Advent International and the EBRD. The bank renamed itself as Addiko Bank in 2016. The Bank operates in Croatia since 1996 providing financial products and services to corporate clients, public institutions and retail clients. Following the integration of Slavonska Banka Osijek in early

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Addiko Bank Croatia is a successor of Hypo Alpe-Adria-Bank, an Austrian Banking Group, which was nationalized in 2009. In December 2014, the Bank was sold to Advent International and the EBRD. The bank renamed itself as Addiko Bank in 2016. The Bank operates in Croatia since 1996 providing financial products and services to corporate clients, public institutions and retail clients. Following the integration of Slavonska Banka Osijek in early 2009, Hypo Bank now covers more than 400,000 clients in all parts of Croatia through 74 branches and more than 270 ATMs. The Bank maintains approximately 8% market share on the Croatian banking market by assets and 13% in mortgage loans. The Addiko Group has numerous cross-border activities in the Alps-Adriatic region. The group is active in Slovenia, Croatia, Bosnia and Herzegovina, Serbia and Montenegro.

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summary Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                        900 662 632 467 431    
                        1,350 1,171 1,133 1,281 434    
                        525 325 298 172 -224    
                        44.7 272 -530 -116 -2,535    

balance sheet

                        473 663 221 676 678    
                        29,761 24,365 21,511 19,110 17,006    
                        4,825 4,141 3,322 2,759 2,833    
                        41,714 35,422 30,723 28,392 25,474    
                        5,441 5,683 4,892 4,772 2,565    
                        15,957 8,676 1,382 1,041 3,243    
                        16,656 18,250 19,041 18,340 15,859    
                        2,430 2,441 2,205 1,917 1,822    

ratios

                        0.756% 4.89% -10.0% -2.39% -69.1%    
                        0.111% 0.705% -1.60% -0.391% -9.41%    
                        2.04% 2.19% 2.53% 3.75% 2.44%    
                        61.1% 72.2% 73.7% 86.6% 152%    
... ... ... ... ... ... ... ...         18.0% 20.3% 21.9% 26.5% 21.9%    
                        2.23% 1.72% 1.91% 1.58% 1.60%    
                        66.7% 56.5% 55.8% 36.5% 99.3%    
                        17.7% 18.9% 19.2% 15.9% 5.67%    
                        39.1% 35.1% 35.6% 24.8% 42.1%    
                        13.0% 16.0% 15.9% 16.8% 10.1%    
                        179% 134% 113% 104% 107%    
                        71.3% 68.8% 70.0% 67.3% 66.8%    
... ... ... ... ... ... ... ...         28.0% 14.6% 13.0% 12.0% 15.0%    
... ... ... ... ... ... ... ...         30.3% 29.9% 46.2% 54.4% 62.5%    

Download Data
income statement Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income HRK mil
Interest Cost HRK mil
Net Interest Income HRK mil
Net Fee Income HRK mil
Other Income HRK mil
Total Revenues HRK mil
Staff Cost HRK mil
Depreciation HRK mil
Other Cost HRK mil
Operating Cost HRK mil
Operating Profit HRK mil
Provisions HRK mil
Extra and Other Cost HRK mil
Pre-Tax Profit HRK mil
Tax HRK mil
Minorities HRK mil
Net Profit HRK mil
                        2,041 1,849 1,494 1,172 990    
                        1,141 1,187 862 705 559    
                        900 662 632 467 431    
                        239 221 217 204 24.6    
                        211 288 284 610 -21.4    
                        1,350 1,171 1,133 1,281 434    
                        323 297 298 275 277    
                        131 130 133 159 110    
                        371 419 405 675 271    
                        825 846 836 1,109 658    
                        525 325 298 172 -224    
                        468 -15.1 928 300 623    
                        0.000 0.000 0.000 0.000 1,591    
                        57.1 340 -631 -128 -2,438    
                        12.5 68.4 -100 -12.2 96.2    
                        0.000 0.000 0.000 0.000 0.000    
                        44.7 272 -530 -116 -2,535    

growth rates

...                       -12.5% -26.5% -4.47% -26.1% -7.82%    
...                       -17.6% -7.35% -1.89% -6.13% -87.9%    
...                       -8.12% -13.3% -3.25% 13.0% -66.1%    
...                       11.7% 2.53% -1.22% 32.7% -40.7%    
...                       -28.2% -38.1% -8.53% -42.2% -230%    
...                       -76.1% 496% -285% -79.7% 1,807%    
...                       -76.0% 509% -295% -78.2% 2,091%    

market share

                        8.40% 7.89% 7.87% 8.85% 2.98%    
                        1.18% 9.98% ... ... ...    
... ... ... ... ... ...             8.31% 8.14% 7.58% 7.65% 6.89%    

Download Data
balance sheet Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                        5,210 4,573 3,567 3,886 3,940    
                        473 663 221 676 678    
                        29,761 24,365 21,511 19,110 17,006    
                        12,252 11,596 10,757 9,716 9,332    
... ... ... ... ... ... ... ...         8,849 8,488 8,001 7,506 7,512    
... ... ... ... ... ... ... ...         3,403 3,108 2,756 2,210 1,819    
                        17,003 10,363 8,710 7,675 6,709    
                        4,825 4,141 3,322 2,759 2,833    
                        1,445 924 1,220 614 509    
                        41,714 35,422 30,723 28,392 25,474    
                        5,441 5,683 4,892 4,772 2,565    
                        0.000 0.000 0.000 0.000 0.000    
                        36,273 29,739 25,832 23,619 22,908    
                        15,957 8,676 1,382 1,041 3,243    
                        16,656 18,250 19,041 18,340 15,859    
                        11,809 12,711 15,470 14,332 11,355    
                        4,471 5,223 3,571 4,008 4,205    
                        2,430 2,441 2,205 1,917 1,822    
                        1,230 372 3,204 2,321 1,984    

asset quality

... ... ... ... ... ... ... ...         9,116 3,722 2,986 2,462 2,812    
                        32,525 25,478 22,890 20,449 18,765    
                        2,764 1,113 1,379 1,339 1,758    

growth rates

...                       5.48% -18.1% -11.7% -11.2% -11.0%    
...                       -0.043% -5.35% -7.24% -9.67% -3.95%    
... ... ... ... ... ... ... ... ...       -0.493% -4.08% -5.74% -6.18% 0.087%    
... ... ... ... ... ... ... ... ...       1.14% -8.67% -11.3% -19.8% -17.7%    
...                       4.45% -39.1% -16.0% -11.9% -12.6%    
...                       6.63% -15.1% -13.3% -7.59% -10.3%    
...                       -14.7% 4.44% -13.9% -2.44% -46.2%    
...                       5.64% 9.57% 4.33% -3.68% -13.5%    
...                       12.3% 7.64% 21.7% -7.36% -20.8%    
...                       -3.01% 16.8% -31.6% 12.2% 4.90%    

market share

                        11.8% 10.3% 9.19% 8.32% 7.64%    
                        15.2% 10.7% 9.11% 8.34% 7.69%    
... ... ... ... ... ... ... ...         5.22% 4.86% 4.38% 3.49% 2.90%    
                        9.56% 9.18% 8.70% 7.94% 7.75%    
... ... ... ... ... ... ... ...         14.1% 13.6% 13.2% 12.7% 13.0%    
                        10.0% 8.63% 7.40% 6.77% 6.12%    
                        7.55% 8.04% 8.05% 7.51% 6.17%    
                        6.93% 7.14% 8.62% 7.83% 6.05%    
... ... ... ... ...               9.29% 11.6% 8.44% 9.17% 7.92%    

Download Data
ratios Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                        0.756% 4.89% -10.0% -2.39% -69.1%    
                        0.111% 0.705% -1.60% -0.391% -9.41%    
                        2.04% 2.19% 2.53% 3.75% 2.44%    
                        61.1% 72.2% 73.7% 86.6% 152%    
... ... ... ... ... ... ... ...         18.0% 20.3% 21.9% 26.5% 21.9%    
... ... ... ... ... ... ... ...         26.1% 28.7% 29.7% 31.9% 12.5%    
                        2.23% 1.72% 1.91% 1.58% 1.60%    
...                       1.74% 1.20% 1.42% 1.12% 1.27%    
                        5.05% 4.79% 4.52% 3.97% 3.68%    
...                       3.31% 3.60% 3.10% 2.85% 2.41%    
                        66.7% 56.5% 55.8% 36.5% 99.3%    
                        17.7% 18.9% 19.2% 15.9% 5.67%    
                        15.6% 24.6% 25.0% 47.6% -4.94%    
... ... ... ... ... ...             2,768 2,397 2,641 2,380 2,401    
... ... ... ... ... ...             14,808 14,026 15,074 14,113 15,995    
                        39.1% 35.1% 35.6% 24.8% 42.1%    
                        13.0% 16.0% 15.9% 16.8% 10.1%    
                        179% 134% 113% 104% 107%    
                        71.3% 68.8% 70.0% 67.3% 66.8%    
... ... ... ... ... ... ... ...         28.0% 14.6% 13.0% 12.0% 15.0%    
... ... ... ... ... ... ... ...         30.3% 29.9% 46.2% 54.4% 62.5%    
                        9.29% 4.57% 6.41% 7.01% 10.3%    
                        1.61% -0.056% 4.05% 1.48% 3.45%    

Download Data
other data Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ...             1,817 1,762 1,645 1,622 1,442    

Download Data
Comparison of 3 Companies within Addiko Group

This Annual Statistical Dossier offers a comparison of 3 banks from Addiko Group from 1999 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

Read more »

This Annual Statistical Dossier offers a comparison of 3 banks from Addiko Group from 1999 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 27 Banks in Croatia

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Addiko Bank Croatia in Numbers

This Annual statistical dossier offers a summary of Addiko Bank Croatia's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Addiko Bank Croatia's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Addiko Croatia's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Hypo Alpe-Adria-Bank Croatia at a Glance

Hypo Alpe-Adria-Bank d.d. is a Croatia-based subsidiary of the Austrian Banking Group with the same name. The Bank operates in Croatia since 1996 providing financial products and services to corporate clients, public institutions and retail clients. Following the integration of Slavonska Banka Osijek in early 2009, Hypo Bank now covers more than 400,000 clients in

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Hypo Alpe-Adria-Bank d.d. is a Croatia-based subsidiary of the Austrian Banking Group with the same name. The Bank operates in Croatia since 1996 providing financial products and services to corporate clients, public institutions and retail clients. Following the integration of Slavonska Banka Osijek in early 2009, Hypo Bank now covers more than 400,000 clients in all parts of Croatia through 74 branches and more than 270 ATMs. The Bank maintains approximately 8% market share on the Croatian banking market by assets and 13% in mortgage loans. Hypo Alpe Adria (HAA) is an international banking and finance group with 6,000 employees, serving approximately 1.2 million clients in the retail, SME and public sector. It is based in Klagenfurt, Austria.

This report offers a summary of the bank's performance in 1999-2013. 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 Croatia

Hypo Alpe-Adria-Bank Croatia in Numbers

Hypo Alpe-Adria-Bank d.d. is a Croatia-based subsidiary of the Austrian Banking Group with the same name. The Bank operates in Croatia since 1996 providing financial products and services to corporate clients, public institutions and retail clients. Following the integration of Slavonska Banka Osijek in early 2009, Hypo Bank now covers more than 400,000 clients in

Read more »

Hypo Alpe-Adria-Bank d.d. is a Croatia-based subsidiary of the Austrian Banking Group with the same name. The Bank operates in Croatia since 1996 providing financial products and services to corporate clients, public institutions and retail clients. Following the integration of Slavonska Banka Osijek in early 2009, Hypo Bank now covers more than 400,000 clients in all parts of Croatia through 74 branches and more than 270 ATMs. The Bank maintains approximately 8% market share on the Croatian banking market by assets and 13% in mortgage loans. Hypo Alpe Adria (HAA) is an international banking and finance group with 6,000 employees, serving approximately 1.2 million clients in the retail, SME and public sector. It is based in Klagenfurt, Austria.

This excel file offers a summary of the bank's performance in 1999-2013. 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 Croatia

Addiko Bank Croatia's mortgage loans reached HRK 4,046 mil in 2017, down 21.0% compared to the previous year.

Croatian banking sector provided mortgage loans of HRK 50.7 bil in 2017, up 2.37% when compared to the last year.

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Addiko Bank Croatia's mortgage loans reached HRK 4,046 mil in 2017, down 21.0% compared to the previous year.

Croatian banking sector provided mortgage loans of HRK 50.7 bil in 2017, up 2.37% when compared to the last year.

Addiko Bank Croatia accounted for 8.03% of all mortgage loans issued in Croatia at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 14.5% in 2010 and an all time low of 8.03% in 2017.

You can see all the company’s data at Addiko Bank Croatia Profile, or you can download a report on the firm in the report section.

Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to

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Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to the previous year. Historically, the bank’s loans reached an all time high of 84,340 in 2015 and an all time low of 14,598 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb customer loans amounted to 65,177, Erste & Steiermarkische Bank operated with 43,656 loans and Raiffeisenbank Croatia had a loan portfolio of 18,504.

Croatian banking sector provided total customer loans of CZK 215 bil in 2016, down 3.47% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 37.6% of the sector’s loans in 2016. The top 3 companies held a 88.3% share while the five largest firms some 104% in 2016.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.

Jadranska Banka's loan to deposit ratio reached 26.4

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Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.

Jadranska Banka's loan to deposit ratio reached 26.4 at the end of 2017, down from 31.7 when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 83.6 in 2009 and an all time low of 26.4 in 2017.

Comparing Jadranska Banka with its closest peers, PBZ Stambena Stedionica ended the year 2017 with loans to deposits at 46.8, Istarska Kreditna Banka Umag with 53.2 and Croatia Banka some 55.1 of loans to deposits at the end of 2017.

Overall, total loans of the Croatian banking sector amounted to 78.0% of deposits at the end of 2017.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0 of total loans at the end of 2017,

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Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0 of total loans at the end of 2017, up from 33.0 when compared to the previous year. Historically, the NPL ratio hit an all time high of 56.9 in 2015 and an all time low of 2.45 in 2009.

Provision coverage amounted to 25.3 at the end of 2017, up from 18.7 compared to a year earlier.

Comparing Jadranska Banka with its closest peers, Imex Banka operated at the end of 2017 with NPL ratio of 25.3 and provision coverage of 62.9, Podravska Banka with 23.5 and 54.9 and Croatia Banka had 23.1 of bad loans covered with 79.6 by provisions at the end of 2017.

Non-performing loans of the whole Croatia’s banking sector amounted to 11.2 of total loans in 2017, down from 13.6 when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Croatian banks in the report section.

See all charts of the company »
Addiko Croatia's mortgage loans fell 21.0% to HRK 4,046 mil in 2017
Addiko Croatia's capital adequacy ratio fell 5.44% to 27.8% in 2017
Addiko Croatia's net profit rose 285% to HRK 230 mil in 2017
Addiko Croatia's corporate loans fell 1.48% to HRK 4,613 mil in 2017
Addiko Croatia's npls (as % of loans) rose 16.5% to 16.5% in 2017
Addiko Croatia's net profit rose 285% to HRK 230 mil in 2017
Addiko Croatia's customer loans fell 15.7% to HRK 10,401 mil in 2017
Addiko Croatia's customer deposits rose 1.02% to HRK 15,657 mil in 2017
Addiko Croatia's total revenues fell 6.77% to HRK 761 mil in 2017
Addiko Croatia's net interest margin rose 19.4% to 2.28% in 2017