Addiko Bank Slovenia

Addiko Slovenia's retail deposits rose 27.3% to EUR 395 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's retail deposits reached EUR 395 mil in 2017, up 27.3% compared to the previous year. Slovenian banking s...

Addiko Slovenia's mortgage loans fell 14.5% to EUR 309 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's mortgage loans reached EUR 309 mil in 2017, down 14.5% compared to the previous year. Slovenian banking ...

Addiko Slovenia's customer deposits rose 12.3% to EUR 1,095 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's customer deposits reached EUR 1,095 mil in 2017, up 12.3% compared to the previous year. Slovenian banki...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 25.2 24.9 33.7
Fee Income (As % Of Revenues) % 26.5 26.2 21.7
Other Income EUR mil -1.52 -1.67 -0.024
Total Revenues EUR mil 32.2 31.4 43.1
Staff Cost EUR mil 15.3 14.4 15.8
Operating Profit EUR mil 4.31 6.79 16.4
Provisions EUR mil 49.2 -7.25 -1.37
Net Profit EUR mil -52.2 12.9 19.0
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 5.81 7.36 120
Customer Loans EUR mil 1,006 980 1,064
Debt Securities EUR mil 178 155 198
Total Assets EUR mil 1,344 1,414 1,538
Shareholders' Equity EUR mil 92.3 122 141
Interbank Borrowing EUR mil 330 223 249
Customer Deposits EUR mil 791 975 1,095
Issued Debt Securities EUR mil 104 75.3 31.7
Ratios 2015 2016 2017
ROE % -57.4 12.1 14.4
ROA % -3.87 0.936 1.28
Costs (As % Of Assets) % 2.07 1.79 1.81
Costs (As % Of Income) % 86.6 78.4 61.9
Capital Adequacy Ratio % 12.8 15.6 15.6
Net Interest Margin % 1.87 1.80 2.29
Loans (As % Of Deposits) % 127 100 97.2
NPLs (As % Of Loans) % 8.69 8.86 6.40
Provisions (As % Of NPLs) % 95.6 67.1 62.3
Growth Rates 2015 2016 2017
Total Revenue Growth % -31.4 -2.49 37.0
Operating Cost Growth % -5.93 -11.8 8.15
Operating Profit Growth % -75.1 57.6 142
Net Profit Growth % 29.3 -125 46.9
Customer Loan Growth % -8.63 -2.62 8.61
Total Asset Growth % -0.377 5.15 8.78
Customer Deposit Growth % -4.10 23.3 12.3
Shareholders' Equity Growth % 2.90 31.7 16.0
Employees 451 395 357

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summary Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                        
Net Interest Income EUR mil ...         40.6 33.4 22.7 27.7 25.2    
Total Revenues EUR mil ...         50.0 45.0 37.3 47.0 32.2    
Operating Profit EUR mil ...         20.1 13.7 9.48 17.3 4.31    
Net Profit EUR mil ...         -26.9 -11.4 -95.7 -40.4 -52.2    
balance sheet                        
Interbank Loans EUR mil ...         20.1 38.8 0.001 4.03 5.81    
Customer Loans EUR mil ...         1,750 1,644 1,247 1,101 1,006    
Debt Securities EUR mil ...         137 145 141 134 178    
Total Assets EUR mil ...         1,978 1,901 1,442 1,349 1,344    
Shareholders' Equity EUR mil ...         160 153 126 89.7 92.3    
Interbank Borrowing EUR mil ...         1,001 924 446 337 330    
Customer Deposits EUR mil ...         714 728 743 825 791    
Issued Debt Securities EUR mil ...         73.0 79.3 111 82.0 104    
ratios                        
ROE % ...         -16.4 -7.29 -68.5 -37.4 -57.4    
ROA % ...         -1.29 -0.589 -5.72 -2.89 -3.87    
Costs (As % Of Assets) % ...         1.44 1.61 1.66 2.13 2.07    
Costs (As % Of Income) % ...         59.8 69.6 74.6 63.2 86.6    
Capital Adequacy Ratio % ...         12.8 13.5 14.3 13.0 12.8    
Net Interest Margin % ...         1.95 1.72 1.36 1.99 1.87    
Interest Income (As % Of Revenues) % ...         81.1 74.2 60.9 59.0 78.2    
Fee Income (As % Of Revenues) % ...         17.0 23.9 37.8 28.2 26.5    
Staff Cost (As % Of Total Cost) % ...         50.6 48.6 49.6 48.6 54.7    
Equity (As % Of Assets) % ...         8.10 8.05 8.76 6.65 6.86    
Loans (As % Of Deposits) % ...         245 226 168 133 127    
Loans (As % Assets) % ...         88.5 86.5 86.5 81.6 74.8    
NPLs (As % Of Loans) % ... ...       2.97 3.79 3.69 7.87 8.69    
Provisions (As % Of NPLs) % ... ...       92.6 96.3 94.2 95.2 95.6    
income statement Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                        
Interest Income EUR mil ...         85.8 75.7 62.4 50.7 39.0    
Interest Cost EUR mil ...         45.2 42.3 39.7 23.0 13.8    
Net Interest Income EUR mil ...         40.6 33.4 22.7 27.7 25.2    
Net Fee Income EUR mil ...         8.50 10.8 14.1 13.3 8.55    
Other Income EUR mil ...         0.946 0.840 0.471 6.01 -1.52    
Total Revenues EUR mil ...         50.0 45.0 37.3 47.0 32.2    
Staff Cost EUR mil ...         15.1 15.2 13.8 14.4 15.3    
Depreciation EUR mil ...         2.42 2.32 2.24 2.27 2.26    
Other Cost EUR mil ...         12.4 13.8 11.8 13.0 10.4    
Operating Cost EUR mil ...         29.9 31.3 27.8 29.7 27.9    
Operating Profit EUR mil ...         20.1 13.7 9.48 17.3 4.31    
Provisions EUR mil ...         49.7 23.4 96.5 56.1 49.2    
Extra and Other Cost EUR mil ...         4.22 -0.015 2.68 0 3.33    
Pre-Tax Profit EUR mil ...         -33.8 -9.66 -89.7 -38.8 -48.2    
Tax EUR mil ...         -6.98 1.75 5.93 1.52 4.00    
Minorities EUR mil ...         0 0 0 0 0    
Net Profit EUR mil ...         -26.9 -11.4 -95.7 -40.4 -52.2    
growth rates                        
Net Interest Income Growth % ... ...       -19.8 -17.7 -32.0 22.1 -9.05    
Net Fee Income Growth % ... ...       5.47 26.5 31.0 -5.88 -35.5    
Total Revenue Growth % ... ...       -16.0 -10.1 -17.2 26.1 -31.4    
Operating Cost Growth % ... ...       27.1 4.62 -11.2 6.89 -5.93    
Operating Profit Growth % ... ...       -44.2 -32.0 -30.7 82.4 -75.1    
Pre-Tax Profit Growth % ... ...       4.44 -71.4 829 -56.7 24.1    
Net Profit Growth % ... ...       2.18 -57.5 738 -57.8 29.3    
market share                        
Market Share in Revenues % ...         3.46 2.87 3.42 3.82 2.78    
Market Share in Net Profit % ...       ... ... ... ... ... ...    
Market Share in Employees %           3.94 4.11 4.34 4.50 4.32    
Market Share in Branches % ... ...       2.77 2.73 3.02 3.21 3.23    
balance sheet Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                        
Cash EUR mil ...         39.8 47.6 35.1 90.5 92.9    
Interbank Loans EUR mil ...         20.1 38.8 0.001 4.03 5.81    
Customer Loans EUR mil ...         1,750 1,644 1,247 1,101 1,006    
Retail Loans EUR mil ... ... ... ... ... ... 579 532 497 481    
Mortgage Loans EUR mil ... ... ... ... ... ... 441 393 354 397    
Consumer Loans EUR mil ... ... ... ... ... ... 138 140 143 83.5    
Corporate Loans EUR mil ... ... ... ... ... ... 1,168 779 769 525    
Debt Securities EUR mil ...         137 145 141 134 178    
Fixed Assets EUR mil ...         9.73 9.19 7.68 7.03 5.80    
Total Assets EUR mil ...         1,978 1,901 1,442 1,349 1,344    
Shareholders' Equity EUR mil ...         160 153 126 89.7 92.3    
Of Which Minority Interest EUR mil ...         0 0 0 0 0    
Liabilities EUR mil ...         1,818 1,748 1,315 1,260 1,252    
Interbank Borrowing EUR mil ...         1,001 924 446 337 330    
Customer Deposits EUR mil ...         714 728 743 825 791    
Retail Deposits EUR mil ... ... ... ... ... ... 253 248 281 265    
Corporate Deposits EUR mil ... ... ... ... ... ... 475 495 544 526    
Sight Deposits EUR mil ... ... ... ... ... ... ... ... ... ...    
Term Deposits EUR mil ... ... ... ... ... ... ... ... ... ...    
Issued Debt Securities EUR mil ...         73.0 79.3 111 82.0 104    
Other Liabilities EUR mil ...         30.3 16.6 14.6 16.2 27.4    
asset quality                        
Non-Performing Loans EUR mil ... ...       53.5 64.7 47.7 93.7 95.3    
Gross Loans EUR mil ...         1,800 1,706 1,292 1,190 1,097    
Total Provisions EUR mil ...         49.6 62.3 44.9 89.2 91.1    
growth rates                        
Customer Loan Growth % ... ...       -9.81 -6.07 -24.1 -11.7 -8.63    
Retail Loan Growth % ... ... ... ... ... ... ... -8.02 -6.63 -3.29    
Mortgage Loan Growth % ... ... ... ... ... ... ... -10.9 -9.97 12.3    
Consumer Loan Growth % ... ... ... ... ... ... ... 1.28 2.77 -41.8    
Corporate Loan Growth % ... ... ... ... ... ... ... -33.3 -1.31 -31.7    
Total Asset Growth % ... ...       -9.61 -3.89 -24.2 -6.39 -0.377    
Shareholders' Equity Growth % ... ...       -3.91 -4.40 -17.5 -29.0 2.90    
Customer Deposit Growth % ... ...       35.9 2.01 2.08 11.0 -4.10    
Retail Deposit Growth % ... ... ... ... ... ... ... -1.87 13.3 -5.71    
Corporate Deposit Growth % ... ... ... ... ... ... ... 4.18 9.89 -3.27    
market share                        
Market Share in Customer Loans % ...         5.28 5.31 5.12 5.11 4.96    
Market Share in Corporate Loans % ... ... ... ... ... ... 7.11 6.77 8.38 6.41    
Market Share in Retail Loans % ... ... ... ... ... ... 3.84 4.42 4.82 2.88    
Market Share in Consumer Loans % ... ... ... ... ... ... 6.54 6.29 5.97 5.70    
Market Share in Mortgage Loans % ... ... ... ... ... ... 8.39 7.40 6.61 7.19    
Market Share in Total Assets % ...         4.02 4.12 3.57 3.49 3.60    
Market Share in Customer Deposits % ...         2.90 3.05 3.30 3.38 3.15    
Market Share in Retail Deposits % ... ... ... ... ... ... 1.71 1.73 1.86 1.70    
Market Share in Corporate Deposits % ... ... ... ... ... ... 12.9 11.8 11.6 11.3    
ratios Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                        
ROE % ...         -16.4 -7.29 -68.5 -37.4 -57.4    
ROA % ...         -1.29 -0.589 -5.72 -2.89 -3.87    
Costs (As % Of Assets) % ...         1.44 1.61 1.66 2.13 2.07    
Costs (As % Of Income) % ...         59.8 69.6 74.6 63.2 86.6    
Capital Adequacy Ratio % ...         12.8 13.5 14.3 13.0 12.8    
Tier 1 Ratio % ... ... ... ... ... ... 9.55 10.4 9.31 10.7    
Net Interest Margin % ...         1.95 1.72 1.36 1.99 1.87    
Interest Spread % ... ...       1.76 1.53 1.14 1.85 1.80    
Asset Yield % ...         4.12 3.90 3.73 3.63 2.90    
Cost Of Liabilities % ... ...       2.36 2.37 2.59 1.78 1.10    
Interest Income (As % Of Revenues) % ...         81.1 74.2 60.9 59.0 78.2    
Fee Income (As % Of Revenues) % ...         17.0 23.9 37.8 28.2 26.5    
Other Income (As % Of Revenues) % ...         1.89 1.87 1.26 12.8 -4.72    
Cost Per Employee USD per month ...         3,774 3,444 3,132 3,223 3,236    
Cost Per Employee (Local Currency) EUR per month ...         2,714 2,682 2,359 2,500 2,823    
Staff Cost (As % Of Total Cost) % ...         50.6 48.6 49.6 48.6 54.7    
Equity (As % Of Assets) % ...         8.10 8.05 8.76 6.65 6.86    
Loans (As % Of Deposits) % ...         245 226 168 133 127    
Loans (As % Assets) % ...         88.5 86.5 86.5 81.6 74.8    
NPLs (As % Of Loans) % ... ...       2.97 3.79 3.69 7.87 8.69    
Provisions (As % Of NPLs) % ... ...       92.6 96.3 94.2 95.2 95.6    
Provisions (As % Of Loans) % ...         2.83 3.79 3.60 8.10 9.05    
Cost of Provisions (As % Of Loans) % ...         2.70 1.38 6.68 4.78 4.67    
other data Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                        
Branches ... ...       19.0 19.0 19.0 19.0 19.0    
Employees           465 473 487 481 451    
ATMs ... ... ... ... ... ... ... ... ... ... ...  
Clients mil ... ...       0.061 0.066 0.064 0.070 0.070 ... ...
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ...    

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Addiko Slovenia's consumer loans rose 60.9% to EUR 302 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's consumer loans reached EUR 302 mil in 2017, up 60.9% compared to the previous year. Slovenian banking sector provided consumer loans of EUR 3.44 bil in 2017, up 11.0% when compared to the last year. Addiko Bank Slovenia accounted fo...

Addiko Slovenia's net profit rose 46.9% to EUR 19.0 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia made a net profit of EUR 19.0 mil in 2017, up 46.9% compared to the previous year. This implies a return on equity of 14.4%. Historically, the bank’s net profit reached an all time high of EUR 19.0 mil in 2017 and an all time low of EUR...

Addiko Slovenia's net interest margin rose 26.7% to 2.29% in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's net interest margin amounted to 2.29% in 2017, up from 1.80% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.29% in 2017 and an all time low of 1.36% in 2013. The average m...

Addiko Slovenia's customer loans rose 8.61% to EUR 1,064 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's customer loans reached EUR 1,064 mil in 2017, up 8.61% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. Addiko Bank Slovenia accounted ...

Addiko Slovenia's corporate deposits rose 5.24% to EUR 700 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's corporate deposits reached EUR 700 mil in 2017, up 5.24% compared to the previous year. Slovenian banking sector accepted corporate deposits of EUR 6.37 bil in 2017, up 38.5% when compared to the last year. Addiko Bank Slovenia acco...

Addiko Slovenia's capital adequacy ratio fell 0.384% to 15.6% in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's capital adequacy ratio reached 15.6% at the end of 2017, down from 15.6% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.6% in 2016 and an all time low of 12.8% in 2015. The Tier 1 ratio ...

Addiko Slovenia's npls (as % of loans) fell 27.7% to 6.40% in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's non-performing loans reached 6.40% of total loans at the end of 2017, down from 8.86% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.86% in 2016 and an all time low of 1.22% in 2008. Provision cov...

Addiko Slovenia's corporate loans rose 5.21% to EUR 453 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia's corporate loans reached EUR 453 mil in 2017, up 5.21% compared to the previous year. Slovenian banking sector provided corporate loans of EUR 8.29 bil in 2017, up 2.22% when compared to the last year. Addiko Bank Slovenia accounted ...

Addiko Slovenia's employees fell 9.62% to 357 in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia employed 357 persons in 2017, down 9.62% when compared to the previous year. Historically, the bank's workforce hit an all time high of 487 persons in 2013 and an all time low of 357 in 2017. Average cost reached USD 4,137 per month per emplo...

Addiko Slovenia's total revenues rose 37.0% to EUR 43.1 mil in 2017

By Helgi Analytics - September 21, 2018

Addiko Bank Slovenia generated total banking revenues of EUR 43.1 mil in 2017, up 37.0% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year...

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Addiko Bank Slovenia (formerly known as Hypo Alpe-Adria-Bank d.d). is a Slovenia-based subsidiary of the Austrian Banking Group with the same name. The Bank offers 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. 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 19 branches and employed nearly 500 persons in Slovenia.

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Finance

Addiko Bank Slovenia has been growing its revenues and asset by 2.96% and -2.13% a year on average in the last 10 years. Its loans and deposits have grown by -3.47% and 11.8% a year during that time and loans to deposits ratio reached 97.2% at the end of 2017. The company achieved an average return on equity of -16.7% in the last decade with net profit growing 5.31% a year on average. In terms of operating efficiency, its cost to income ratio reached 61.9% in 2017, compared to 62.8% average in the last decade.

Equity represented 9.17% of total assets or 13.2% of loans at the end of 2017. Addiko Bank Slovenia's non-performing loans were 6.40% of total loans while provisions covered some 62.3% of NPLs at the end of 2017.