Banka Celje

Celje's employees fell 6.40% to 468 in 2014

By Helgi Analytics - February 22, 2018

Banka Celje employed 468 persons in 2014, down 6.40% when compared to the previous year. Historically, the bank's workforce hit ...

Celje's capital adequacy ratio rose 632% to 18.2% in 2014

By Helgi Analytics - May 4, 2018

Banka Celje's capital adequacy ratio reached 18.2% at the end of 2014, up from 2.49% compared to the previous year. Historica...

Celje's npls (as % of loans) fell 45.5% to 13.2% in 2014

By Helgi Analytics - February 22, 2018

Banka Celje's non-performing loans reached 13.2% of total loans at the end of 2014, down from 24.2% compared to the previous year...

Profit Statement 2012 2013 2014
Net Interest Income EUR mil 46.6 37.2 39.0
Fee Income (As % Of Revenues) % 24.8 11.3 20.3
Other Income EUR mil 1.05 87.1 19.6
Total Revenues EUR mil 63.3 140 73.5
Staff Cost EUR mil 18.1 16.9 15.4
Operating Profit EUR mil 26.5 98.7 38.8
Provisions EUR mil 155 348 154
Net Profit EUR mil -25.0 -126 -21.1
Balance Sheet 2012 2013 2014
Interbank Loans EUR mil 22.0 5.82 52.0
Customer Loans EUR mil 1,740 1,234 887
Debt Securities EUR mil 346 342 489
Total Assets EUR mil 2,271 1,816 1,713
Shareholders' Equity EUR mil 159 41.5 202
Interbank Borrowing EUR mil 417 348 137
Customer Deposits EUR mil 1,417 1,274 1,251
Issued Debt Securities EUR mil 233 139 108
Ratios 2012 2013 2014
ROE % -14.6 -126 -17.3
ROA % -1.05 -6.18 -1.19
Costs (As % Of Assets) % 1.55 2.03 1.97
Costs (As % Of Income) % 58.1 29.6 47.2
Capital Adequacy Ratio % 13.0 2.49 18.2
Net Interest Margin % 1.95 1.82 2.21
Loans (As % Of Deposits) % 123 96.9 70.9
NPLs (As % Of Loans) % 16.9 24.2 13.2
Provisions (As % Of NPLs) % 48.3 91.0 112
Growth Rates 2012 2013 2014
Total Revenue Growth % -4.88 121 -47.6
Operating Cost Growth % -3.32 12.7 -16.3
Operating Profit Growth % -6.96 272 -60.7
Net Profit Growth % 68.5 406 -83.3
Customer Loan Growth % -4.56 -29.1 -28.2
Total Asset Growth % -8.88 -20.0 -5.69
Customer Deposit Growth % -4.59 -10.1 -1.79
Shareholders' Equity Growth % -12.8 -73.9 387
Employees 508 500 468

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summary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
income statement                                
Net Interest Income EUR mil ...                 49.8 53.5 55.0 48.9 46.6    
Total Revenues EUR mil ...                 69.9 71.8 72.3 66.6 63.3    
Operating Profit EUR mil ...                 26.7 31.0 32.1 28.5 26.5    
Net Profit EUR mil ...                 11.6 6.55 4.76 -14.8 -25.0    
balance sheet                                
Interbank Loans EUR mil ...                 45.9 88.5 85.9 55.1 22.0    
Customer Loans EUR mil ...                 1,650 1,775 1,804 1,824 1,740    
Debt Securities EUR mil ...                 627 616 544 408 346    
Total Assets EUR mil ...                 2,415 2,560 2,599 2,493 2,271    
Shareholders' Equity EUR mil ...                 189 199 201 182 159    
Interbank Borrowing EUR mil ...                 644 607 544 507 417    
Customer Deposits EUR mil ...                 1,288 1,453 1,508 1,485 1,417    
Issued Debt Securities EUR mil ...                 183 230 246 258 233    
ratios                                
ROE % ...                 6.11 3.37 2.38 -7.74 -14.6    
ROA % ...                 0.490 0.263 0.184 -0.582 -1.05    
Costs (As % Of Assets) % ...                 1.83 1.64 1.56 1.50 1.55    
Costs (As % Of Income) % ...                 61.8 56.8 55.5 57.2 58.1    
Capital Adequacy Ratio % ... ... ...             15.3 15.4 15.2 14.5 13.0    
Net Interest Margin % ...                 2.11 2.15 2.13 1.92 1.95    
Interest Income (As % Of Revenues) % ...                 71.2 74.6 76.1 73.4 73.5    
Fee Income (As % Of Revenues) % ...                 24.1 23.3 22.5 24.6 24.8    
Staff Cost (As % Of Total Cost) % ...                 52.4 52.6 51.8 49.9 49.0    
Equity (As % Of Assets) % ...                 7.84 7.79 7.72 7.31 6.99    
Loans (As % Of Deposits) % ...                 128 122 120 123 123    
Loans (As % Assets) % ...                 68.3 69.3 69.4 73.2 76.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...     4.30 4.38 5.74 10.6 16.9    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...     72.8 91.1 88.9 64.1 48.3    
income statement Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
income statement                                
Interest Income EUR mil ...                 140 120 113 116 111    
Interest Cost EUR mil ...                 90.2 66.9 57.6 66.9 63.9    
Net Interest Income EUR mil ...                 49.8 53.5 55.0 48.9 46.6    
Net Fee Income EUR mil ...                 16.9 16.7 16.3 16.4 15.7    
Other Income EUR mil ...                 3.23 1.51 1.02 1.30 1.05    
Total Revenues EUR mil ...                 69.9 71.8 72.3 66.6 63.3    
Staff Cost EUR mil ...                 22.6 21.4 20.8 19.0 18.1    
Depreciation EUR mil ...                 4.39 3.91 3.77 3.79 3.43    
Other Cost EUR mil ...                 16.2 15.4 15.6 15.3 15.3    
Operating Cost EUR mil ...                 43.1 40.7 40.2 38.1 36.8    
Operating Profit EUR mil ...                 26.7 31.0 32.1 28.5 26.5    
Provisions EUR mil ...                 53.3 73.8 97.0 133 155    
Extra and Other Cost EUR mil ...                 -7.42 -5.21 -4.31 -6.25 -9.58    
Pre-Tax Profit EUR mil ...                 14.6 8.33 5.69 -18.5 -27.5    
Tax EUR mil ...                 2.99 1.77 0.926 -3.72 -2.55    
Minorities EUR mil ...                 0 0 0 0 0    
Net Profit EUR mil ...                 11.6 6.55 4.76 -14.8 -25.0    
growth rates                                
Net Interest Income Growth % ... ...               4.61 7.52 2.81 -11.1 -4.78    
Net Fee Income Growth % ... ...               2.36 -0.676 -2.88 0.769 -3.99    
Total Revenue Growth % ... ...               7.31 2.72 0.747 -7.90 -4.88    
Operating Cost Growth % ... ...               -2.80 -5.59 -1.42 -5.15 -3.32    
Operating Profit Growth % ... ...               29.0 16.2 3.59 -11.3 -6.96    
Pre-Tax Profit Growth % ... ...               -46.2 -42.8 -31.7 -426 48.5    
Net Profit Growth % ... ...               -45.4 -43.4 -27.4 -411 68.5    
market share                                
Market Share in Revenues % ... ... ...             5.08 4.98 4.85 4.60 4.64 ... ...
Market Share in Net Profit % ... ... ...             4.65 5.33 ... ... ... ... ...
Market Share in Employees %                   4.90 4.73 4.52 4.52 ... ... ...
Market Share in Branches % ... ... ... ... ... ...   ... ... ... ... ... 1.16 1.15 ... ...
balance sheet Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
balance sheet                                
Cash EUR mil ...                 49.0 40.2 128 168 127    
Interbank Loans EUR mil ...                 45.9 88.5 85.9 55.1 22.0    
Customer Loans EUR mil ...                 1,650 1,775 1,804 1,824 1,740    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Corporate Loans EUR mil ...                 1,342 1,453 1,459 1,474 1,394    
Debt Securities EUR mil ...                 627 616 544 408 346    
Fixed Assets EUR mil ...                 28.0 26.0 24.9 23.7 19.3    
Total Assets EUR mil ...                 2,415 2,560 2,599 2,493 2,271    
Shareholders' Equity EUR mil ...                 189 199 201 182 159    
Of Which Minority Interest EUR mil ...                 0 0 0 0 0    
Liabilities EUR mil ...                 2,226 2,361 2,399 2,311 2,113    
Interbank Borrowing EUR mil ...                 644 607 544 507 417    
Customer Deposits EUR mil ...                 1,288 1,453 1,508 1,485 1,417    
Retail Deposits EUR mil ...         ... ... ... ... ... ... 727 729 700    
Corporate Deposits EUR mil ...         ... ... ... ... ... ... 772 750 427    
Sight Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Term Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Issued Debt Securities EUR mil ...                 183 230 246 258 233    
Other Liabilities EUR mil ...                 109 70.5 101 60.5 45.8    
asset quality                                
Non-Performing Loans EUR mil ... ... ... ... ... ... ...     73.2 80.9 109 208 320    
Gross Loans EUR mil ...                 1,703 1,848 1,901 1,957 1,895    
Provisions EUR mil ...                 53.3 73.8 97.0 133 155    
growth rates                                
Customer Loan Growth % ... ...               12.0 7.57 1.68 1.06 -4.56    
Retail Loan Growth % ... ...               1.25 5.68 8.35 2.14 -3.22    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Corporate Loan Growth % ... ...               15.1 8.25 0.435 1.00 -5.42    
Total Asset Growth % ... ...               4.67 6.01 1.52 -4.10 -8.88    
Shareholders' Equity Growth % ... ...               0.181 5.26 0.658 -9.23 -12.8    
Customer Deposit Growth % ... ...               14.1 12.8 3.74 -1.51 -4.59    
Retail Deposit Growth % ... ...       ... ... ... ... ... ... ... 0.288 -3.90    
Corporate Deposit Growth % ... ...       ... ... ... ... ... ... ... -2.88 -43.0    
market share                                
Market Share in Customer Loans % ... ... ...             4.92 5.23 5.20 5.50 5.62   ...
Market Share in Corporate Loans % ... ... ... ... ...         6.62 7.20 7.37 8.04 8.48   ...
Market Share in Consumer Loans % ... ... ... ... ...         4.02 3.98 3.84 3.83 3.80   ...
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Market Share in Total Assets % ... ... ...             5.07 4.96 5.12 5.06 4.92   ...
Market Share in Customer Deposits % ... ... ...             6.25 6.17 6.31 6.04 5.94   ...
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... 4.99 4.90 4.72   ...
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... 19.2 18.6 11.6 ... ...
ratios Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
ratios                                
ROE % ...                 6.11 3.37 2.38 -7.74 -14.6    
ROA % ...                 0.490 0.263 0.184 -0.582 -1.05    
Costs (As % Of Assets) % ...                 1.83 1.64 1.56 1.50 1.55    
Costs (As % Of Income) % ...                 61.8 56.8 55.5 57.2 58.1    
Capital Adequacy Ratio % ... ... ...             15.3 15.4 15.2 14.5 13.0    
Tier 1 Ratio % ... ... ...             ... ... 11.3 10.7 9.37    
Net Interest Margin % ...                 2.11 2.15 2.13 1.92 1.95    
Interest Spread % ... ...               1.77 1.92 1.94 1.71 1.75    
Asset Yield % ...                 5.93 4.84 4.37 4.55 4.64    
Cost Of Liabilities % ... ...               4.16 2.92 2.42 2.84 2.89    
Interest Income (As % Of Revenues) % ...                 71.2 74.6 76.1 73.4 73.5    
Fee Income (As % Of Revenues) % ...                 24.1 23.3 22.5 24.6 24.8    
Other Income (As % Of Revenues) % ...                 4.63 2.10 1.41 1.95 1.65    
Cost Per Employee USD per month ...                 4,576 4,308 4,235 4,127 3,803    
Cost Per Employee (Local Currency) EUR per month ...                 3,128 3,097 3,201 2,968 2,962    
Staff Cost (As % Of Total Cost) % ...                 52.4 52.6 51.8 49.9 49.0    
Equity (As % Of Assets) % ...                 7.84 7.79 7.72 7.31 6.99    
Loans (As % Of Deposits) % ...                 128 122 120 123 123    
Loans (As % Assets) % ...                 68.3 69.3 69.4 73.2 76.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...     4.30 4.38 5.74 10.6 16.9    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...     72.8 91.1 88.9 64.1 48.3    
Provisions (As % Of Loans) % ...                 3.23 4.16 5.37 7.31 8.89    
Cost of Provisions (As % Of Loans) % ...                 1.25 1.63 1.72 2.94 3.57    
other data Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
other data                                
Branches ... ... ... ... ... ...   ... ... ... ... ... 8.00 8.00    
Employees                   602 576 542 534 508    
ATMs ... ... ... ... ... ... ...     88.0 95.0 96.0 92.0 85.0    
Clients mil ... ... ... ... ... ... ... ... ... ... ... ... ... 0.144    
Payment Cards '000 ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...    

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Celje's net profit rose 83.3% to EUR -21.1 mil in 2014

By Helgi Analytics - February 22, 2018

Banka Celje made a net profit of EUR -21.1 mil in 2014, up 83.3% compared to the previous year. This implies a return on equity of -17.3%. Historically, the bank’s net profit reached an all time high of EUR 21.2 mil in 2007 and an all time low of EUR -126 m...

Celje's net interest margin rose 21.2% to 2.21% in 2014

By Helgi Analytics - February 23, 2018

Banka Celje's net interest margin amounted to 2.21% in 2014, up from 1.82% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.63% in 2001 and an all time low of 1.82% in 2013. The average margin in ...

Celje's branches remain unchanged at 8.00 in 2014

By Helgi Analytics - February 22, 2018

Banka Celje employed 468 persons in 2014, down 6.40% compared to the previous year. Historically, the bank's workforce hit an all time high of 534 persons in 2011 and an all time low of 468 in 2014. The bank operated a network of 8.00 branches and 79.0 ATM...

Celje's costs (as % of assets) fell 3.12% to 1.97% in 2014

By Helgi Analytics - March 6, 2018

Banka Celje's cost to income ratio reached 47.2% in 2014, up from 29.6% compared to the previous year. Historically, the bank’s costs reached an all time high of 58.1% of income in 2012 and an all time low of 29.6% in 2013. When compared to total assets, b...

Celje's net interest income rose 4.67% to EUR 39.0 mil in 2014

By Helgi Analytics - March 7, 2018

Banka Celje generated total banking revenues of EUR 73.5 mil in 2014, down 47.6% 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 140 mil in 2013 and an al...

Celje's corporate loans fell 38.9% to EUR 823 mil in 2014

By Helgi Analytics - May 22, 2018

Banka Celje's corporate loans reached EUR 823 mil in 2013, down 40.9% compared to the previous year. Slovenian banking sector provided corporate loans of EUR 11.5 bil in 2013, down 30.0% when compared to the last year. Banka Celje accounted for 5.76% of a...

Celje's customer loans fell 28.2% to EUR 1,234 mil in 2014

By Helgi Analytics - May 22, 2018

Banka Celje's customer loans reached EUR 1,234 mil in 2013, down 29.1% compared to the previous year. Slovenian banking sector provided customer loans of EUR 24.3 bil in 2013, down 21.4% when compared to the last year. Banka Celje accounted for 3.80% of a...

Celje's customer deposits fell 1.79% to EUR 1,274 mil in 2014

By Helgi Analytics - May 22, 2018

Banka Celje's customer deposits reached EUR 1,274 mil in 2013, down 10.1% compared to the previous year. Slovenian banking sector accepted customer deposits of EUR 22.6 bil in 2013, down 5.47% when compared to the last year. Banka Celje accounted for 5.10...

Celje's total revenues fell 47.6% to EUR 63.3 mil in 2014

By Helgi Analytics - November 29, 2018

Banka Celje generated total banking revenues of EUR 63.3 mil in 2012, down 4.88% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,565 mil in 2012, up 8.23% when compared to the last year. A...

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Banka Celje is a Slovenia-based universal bank. The Bank with its subsidiaries is the eighth largest Slovenian banking and financial groups holding over 4% of the market. 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 8 branches and employed 505 persons in Slovenia. The Bank was founded in 1864 under the name Hranilnica mestne obcine Celje (Celje Municipal Savings Bank). It is headquartered in Celje, Slovenia.

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Finance

Banka Celje has been growing its revenues and asset by 0.478% and -7.72% a year on average in the last 5 years. Its loans and deposits have grown by -13.0% and -2.95% a year during that time and loans to deposits ratio reached 70.9% at the end of 2014. The company achieved an average return on equity of -32.7% in the last five years with net profit growing nan% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.2% in 2014, compared to 49.5% average in the last five years.

Equity represented 11.8% of total assets or 22.8% of loans at the end of 2014. Banka Celje's non-performing loans were 13.2% of total loans while provisions covered some 112% of NPLs at the end of 2014.