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 ...
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...
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 |
| Net Fee Income | EUR mil | 15.7 | 15.8 | 14.9 |
| 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 |
| 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 | |
Get all company financials in excel:
| 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) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
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...
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 ...
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...
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...
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...
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...
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...
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...
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...
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.
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 % 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 -684% 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.
Helgi Library 
