Croatia Banka

Croatia Banka's npls (as % of loans) rose 30.3% to 23.1% in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's non-performing loans reached 23.1% of total loans at the end of 2017, up from 17.8% compared to the previous year...

Croatia Banka's total revenues rose 4.71% to HRK 91.0 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka generated total banking revenues of HRK 91.0 mil in 2017, up 4.71% compared to the previous year. Croatian b...

Croatia Banka's corporate loans fell 30.0% to HRK 993 mil in 2017

By Helgi Analytics - December 12, 2019

Croatia Banka's corporate loans reached HRK 993 mil in 2017, down 30.0% compared to the previous year. Croatian banking sector ...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 66.1 61.9 58.7
Fee Income (As % Of Revenues) % 9.53 8.86 6.27
Other Income HRK mil 14.3 17.3 26.6
Total Revenues HRK mil 88.8 86.9 91.0
Staff Cost HRK mil 36.6 35.1 33.3
Operating Profit HRK mil 23.9 24.8 23.3
Provisions HRK mil 21.7 22.1 54.3
Net Profit HRK mil -15.1 1.64 -30.6
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 48.0 53.3 23.1
Customer Loans HRK mil 1,893 1,591 1,153
Debt Securities HRK mil 726 884 887
Total Assets HRK mil 3,109 3,110 2,491
Shareholders' Equity HRK mil 182 190 152
Interbank Borrowing HRK mil 110 92.1 62.2
Customer Deposits HRK mil 2,506 2,517 2,094
Issued Debt Securities HRK mil 293 292 163
Ratios 2015 2016 2017
ROE % -7.92 0.881 -17.9
ROA % -0.492 0.053 -1.09
Costs (As % Of Assets) % 2.11 2.00 2.42
Costs (As % Of Income) % 73.1 71.5 74.4
Capital Adequacy Ratio % 15.9 16.8 15.9
Net Interest Margin % 2.15 1.99 2.09
Loans (As % Of Deposits) % 75.5 63.2 55.1
NPLs (As % Of Loans) % 16.1 17.8 23.1
Provisions (As % Of NPLs) % 72.2 77.3 79.6
Growth Rates 2015 2016 2017
Total Revenue Growth % 4.31 -2.20 4.71
Operating Cost Growth % -4.36 -4.31 8.91
Operating Profit Growth % 38.3 3.53 -5.83
Net Profit Growth % -486 -111 -1,970
Customer Loan Growth % -0.734 -16.0 -27.5
Total Asset Growth % 2.34 0.047 -19.9
Customer Deposit Growth % 1.58 0.421 -16.8
Shareholders' Equity Growth % -9.06 4.18 -19.8
Employees 219 213 191

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summary Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                  
Net Interest Income HRK mil ... ... ... ... ... ... ... ... ...   47.4 39.0 43.8 60.1 66.1    
Total Revenues HRK mil ... ... ... ... ... ... ... ... ...   70.6 54.7 67.2 85.2 88.8    
Operating Profit HRK mil ... ... ... ... ... ... ... ... ...   -0.569 -15.9 -8.00 17.3 23.9    
Net Profit HRK mil ... ... ... ... ... ... ... ... ...   -8.03 -104 -24.6 3.92 -15.1    
balance sheet                                  
Interbank Loans HRK mil ... ... ... ... ... ... ... ... ...   244 139 57.5 38.2 48.0    
Customer Loans HRK mil ... ... ... ... ... ... ... ... ...   974 1,042 1,630 1,906 1,893    
Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   285 439 341 655 726    
Total Assets HRK mil                     1,885 1,984 2,629 3,037 3,109    
Shareholders' Equity HRK mil                     115 220 195 200 182    
Interbank Borrowing HRK mil ... ... ... ... ... ... ... ... ...   24.7 174 154 126 110    
Customer Deposits HRK mil ... ... ... ... ... ... ... ... ...   1,296 1,312 1,943 2,467 2,506    
Issued Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   275 246 302 203 293    
ratios                                  
ROE % ... ... ... ... ... ... ... ... ...   -6.65 -61.8 -11.9 1.98 -7.92    
ROA % ... ... ... ... ... ... ... ... ...   -0.425 -5.36 -1.07 0.138 -0.492    
Costs (As % Of Assets) % ... ... ... ... ... ... ... ... ...   3.77 3.65 3.26 2.40 2.11    
Costs (As % Of Income) % ... ... ... ... ... ... ... ... ...   101 129 112 79.7 73.1    
Capital Adequacy Ratio %                     15.2 17.4 14.0 13.3 15.9    
Net Interest Margin % ... ... ... ... ... ... ... ... ...   2.51 2.02 1.90 2.12 2.15    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   67.2 71.3 65.1 70.6 74.4    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   8.08 10.0 7.18 6.57 9.53    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ...   55.5 54.7 55.6 53.4 56.4    
Equity (As % Of Assets) %                     6.12 11.1 7.43 6.59 5.86    
Loans (As % Of Deposits) % ... ... ... ... ... ... ... ... ...   75.2 79.4 83.9 77.3 75.5    
Loans (As % Assets) % ... ... ... ... ... ... ... ... ...   51.7 52.5 62.0 62.8 60.9    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... 19.7 15.2 17.2 16.1    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... 91.6 85.0 68.0 72.2    
income statement Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                  
Interest Income HRK mil ... ... ... ... ... ... ... ... ...   101 91.5 113 142 149    
Interest Cost HRK mil ... ... ... ... ... ... ... ... ...   53.9 52.5 69.1 82.1 83.0    
Net Interest Income HRK mil ... ... ... ... ... ... ... ... ...   47.4 39.0 43.8 60.1 66.1    
Net Fee Income HRK mil ... ... ... ... ... ... ... ... ...   5.71 5.49 4.82 5.59 8.46    
Other Income HRK mil ... ... ... ... ... ... ... ... ...   17.4 10.2 18.6 19.5 14.3    
Total Revenues HRK mil ... ... ... ... ... ... ... ... ...   70.6 54.7 67.2 85.2 88.8    
Staff Cost HRK mil ... ... ... ... ... ... ... ... ...   39.5 38.6 41.8 36.2 36.6    
Depreciation HRK mil ... ... ... ... ... ... ... ... ...   5.84 5.56 4.48 3.52 3.34    
Other Cost HRK mil ... ... ... ... ... ... ... ... ...   25.8 26.4 28.9 28.1 24.9    
Operating Cost HRK mil ... ... ... ... ... ... ... ... ...   71.1 70.6 75.2 67.9 64.9    
Operating Profit HRK mil ... ... ... ... ... ... ... ... ...   -0.569 -15.9 -8.00 17.3 23.9    
Provisions HRK mil ... ... ... ... ... ... ... ... ...   7.46 110 16.6 12.2 21.7    
Extra and Other Cost HRK mil ... ... ... ... ... ... ... ... ...   -0.001 < 0.001 < 0.001 < -0.001 0    
Pre-Tax Profit HRK mil                     -8.03 -126 -24.6 5.14 2.26    
Tax HRK mil ... ... ... ... ... ... ... ... ...   0 -22.6 0 1.22 17.4    
Minorities HRK mil ... ... ... ... ... ... ... ... ...   0 0 0 0 0    
Net Profit HRK mil ... ... ... ... ... ... ... ... ...   -8.03 -104 -24.6 3.92 -15.1    
growth rates                                  
Net Interest Income Growth % ... ... ... ... ... ... ... ... ... ... 13.6 -17.8 12.2 37.3 9.94    
Net Fee Income Growth % ... ... ... ... ... ... ... ... ... ... 0.956 -3.70 -12.2 16.0 51.3    
Total Revenue Growth % ... ... ... ... ... ... ... ... ... ... 17.8 -22.5 22.8 26.8 4.31    
Operating Cost Growth % ... ... ... ... ... ... ... ... ... ... -2.07 -0.801 6.54 -9.73 -4.36    
Operating Profit Growth % ... ... ... ... ... ... ... ... ... ... -95.5 2,691 -49.6 -316 38.3    
Pre-Tax Profit Growth % ...                   -80.9 1,473 -80.5 -121 -55.9    
Net Profit Growth % ... ... ... ... ... ... ... ... ... ... -80.9 1,190 -76.2 -116 -486    
market share                                  
Market Share in Revenues % ... ... ... ... ... ... ... ... ...   0.439 0.368 0.467 0.588 0.611    
Market Share in Net Profit % ... ... ... ... ... ... ... ... ... ... ... ... ... 0.284 ...   ...
Market Share in Employees % ... ... ... ... ... ... ... ... ...   1.33 1.28 1.23 1.08 1.05    
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                  
Cash HRK mil ... ... ... ... ... ... ... ... ...   259 220 459 296 330    
Interbank Loans HRK mil ... ... ... ... ... ... ... ... ...   244 139 57.5 38.2 48.0    
Customer Loans HRK mil ... ... ... ... ... ... ... ... ...   974 1,042 1,630 1,906 1,893    
Retail Loans HRK mil ... ... ... ... ... ... ... ... ...   321 288 275 353 367    
Mortgage Loans HRK mil ... ... ... ... ... ... ... ... ... ... ... 15.9 27.6 51.1 61.7    
Consumer Loans HRK mil ... ... ... ... ... ... ... ... ... ... ... 273 248 302 305    
Corporate Loans HRK mil ... ... ... ... ... ... ... ... ... ... ... 975 1,586 1,791 1,762    
Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   285 439 341 655 726    
Fixed Assets HRK mil ... ... ... ... ... ... ... ... ...   59.3 24.6 23.6 22.0 19.9    
Total Assets HRK mil                     1,885 1,984 2,629 3,037 3,109    
Shareholders' Equity HRK mil                     115 220 195 200 182    
Of Which Minority Interest HRK mil ... ... ... ... ... ... ... ... ...   0 0 0 0 0    
Liabilities HRK mil                     1,769 1,764 2,433 2,837 2,927    
Interbank Borrowing HRK mil ... ... ... ... ... ... ... ... ...   24.7 174 154 126 110    
Customer Deposits HRK mil ... ... ... ... ... ... ... ... ...   1,296 1,312 1,943 2,467 2,506    
Retail Deposits HRK mil ... ... ... ... ... ... ... ... ...   861 793 1,178 1,435 1,687    
Corporate Deposits HRK mil ... ... ... ... ... ... ... ... ...   435 518 765 1,032 819    
Sight Deposits HRK mil ... ... ... ... ... ... ... ... ...   269 278 338 568 473    
Term Deposits HRK mil ... ... ... ... ... ... ... ... ...   1,027 1,034 1,605 1,899 2,033    
Issued Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   275 246 302 203 293    
Other Liabilities HRK mil ... ... ... ... ... ... ... ... ...   174 31.5 34.4 40.5 18.0    
asset quality                                  
Non-Performing Loans HRK mil ... ... ... ... ... ... ... ... ... ... ... 251 285 371 346    
Gross Loans HRK mil ... ... ... ... ... ... ... ... ...   1,092 1,271 1,872 2,159 2,142    
Total Provisions HRK mil ... ... ... ... ... ... ... ... ...   118 230 242 252 250    
growth rates                                  
Customer Loan Growth % ... ... ... ... ... ... ... ... ... ... -1.40 7.00 56.4 17.0 -0.734    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... -9.87 -10.2 -4.57 28.2 3.94    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... 73.4 85.3 20.8    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... -9.11 21.9 1.09    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... 62.8 12.9 -1.63    
Total Asset Growth % ...                   -0.397 5.28 32.5 15.6 2.34    
Shareholders' Equity Growth % ...                   -8.47 90.7 -11.3 2.53 -9.06    
Customer Deposit Growth % ... ... ... ... ... ... ... ... ... ... 0.955 1.25 48.1 27.0 1.58    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... 6.59 -7.86 48.5 21.9 17.6    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... -8.61 19.3 47.5 34.9 -20.6    
market share                                  
Market Share in Customer Loans % ... ... ... ... ... ... ... ... ...   0.386 0.441 0.696 0.830 0.851    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... 1.01 1.66 1.95 2.02    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... 0.426 0.393 0.476 0.486    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ...   0.251 0.228 0.223 0.289 0.305    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... 0.026 0.045 0.087 0.107    
Market Share in Total Assets %                     0.452 0.483 0.633 0.725 0.747    
Market Share in Customer Deposits % ... ... ... ... ... ... ... ... ...   0.587 0.578 0.822 1.01 0.975    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...   0.505 0.446 0.657 0.784 0.899    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...   0.903 1.15 1.81 2.36 1.54    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                  
ROE % ... ... ... ... ... ... ... ... ...   -6.65 -61.8 -11.9 1.98 -7.92    
ROA % ... ... ... ... ... ... ... ... ...   -0.425 -5.36 -1.07 0.138 -0.492    
Costs (As % Of Assets) % ... ... ... ... ... ... ... ... ...   3.77 3.65 3.26 2.40 2.11    
Costs (As % Of Income) % ... ... ... ... ... ... ... ... ...   101 129 112 79.7 73.1    
Capital Adequacy Ratio %                     15.2 17.4 14.0 13.3 15.9    
Net Interest Margin % ... ... ... ... ... ... ... ... ...   2.51 2.02 1.90 2.12 2.15    
Interest Spread % ... ... ... ... ... ... ... ... ...   2.32 1.76 1.60 1.90 1.97    
Asset Yield % ... ... ... ... ... ... ... ... ...   5.37 4.73 4.89 5.02 4.85    
Cost Of Liabilities % ... ... ... ... ... ... ... ... ...   3.05 2.97 3.29 3.12 2.88    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   67.2 71.3 65.1 70.6 74.4    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   8.08 10.0 7.18 6.57 9.53    
Other Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   24.7 18.7 27.7 22.9 16.1    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ...   2,116 1,986 2,277 2,234 2,091    
Cost Per Employee (Local Currency) HRK per month ... ... ... ... ... ... ... ... ...   11,316 11,622 12,995 13,248 13,934    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ...   55.5 54.7 55.6 53.4 56.4    
Equity (As % Of Assets) %                     6.12 11.1 7.43 6.59 5.86    
Loans (As % Of Deposits) % ... ... ... ... ... ... ... ... ...   75.2 79.4 83.9 77.3 75.5    
Loans (As % Assets) % ... ... ... ... ... ... ... ... ...   51.7 52.5 62.0 62.8 60.9    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... 19.7 15.2 17.2 16.1    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... 91.6 85.0 68.0 72.2    
Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ...   12.1 22.0 14.9 13.2 13.2    
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ...   0.761 11.0 1.25 0.688 1.14    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                  
Employees ... ... ... ... ... ... ... ... ...   291 277 268 228 219    
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ...   20.7 21.2 17.4 23.0 18.9    

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Croatia Banka's mortgage loans fell 3.38% to HRK 63.6 mil in 2017

By Helgi Analytics - November 29, 2018

Croatia Banka's mortgage loans reached HRK 63.6 mil in 2017, down 3.38% 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. Croatia Banka accounted for 0.126% of ...

Croatia Banka's consumer loans rose 0.861% to HRK 350 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's consumer loans reached HRK 350 mil in 2017, up 0.861% compared to the previous year. Croatian banking sector provided consumer loans of HRK 64.2 bil in 2017, up 2.15% when compared to the last year. Croatia Banka accounted for 0.361% of al...

Croatia Banka's net profit fell 1,970% to HRK -30.6 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka made a net profit of HRK -30.6 mil under revenues of HRK 91.0 mil in 2017, up -1970% and 4.71% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 3.92 mil in 2014 and an all time low of HRK -1...

Croatia Banka's customer loans fell 27.5% to HRK 1,153 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's customer loans reached HRK 1,153 mil in 2017, down 27.5% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Croatia Banka accounted for 0.541% ...

Croatia Banka's net interest margin rose 5.28% to 2.09% in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's net interest margin amounted to 2.09% in 2017, up from 1.99% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.51% in 2011 and an all time low of 1.90% in 2013. The average margin i...

Croatia Banka's customer deposits fell 16.8% to HRK 2,094 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's customer deposits reached HRK 2,094 mil in 2017, down 16.8% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 273 bil in 2017, up 2.57% when compared to the last year. Croatia Banka accounted for 0.76...

Croatia Banka's retail deposits fell 8.90% to HRK 1,597 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's retail deposits reached HRK 1,597 mil in 2017, down 8.90% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Croatia Banka accounted for 0.839% ...

Croatia Banka's corporate deposits fell 34.9% to HRK 497 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's corporate deposits reached HRK 497 mil in 2017, down 34.9% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 63.1 bil in 2017, up 8.35% when compared to the last year. Croatia Banka accounted for 0.7...

Croatia Banka's customer loan growth fell 72.5% to -27.5% in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka's customer loan growth reached -27.5% in 2017, down from -16.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 56.4% in 2013 and an all time low of -27.5% in 2017. In the last decade, the ave...

Croatia Banka's net interest income fell 5.18% to HRK 58.7 mil in 2017

By Helgi Analytics - August 5, 2018

Croatia Banka generated total banking revenues of HRK 91.0 mil in 2017, up 4.71% 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 HRK 91.0 mil in 2017 and an a...

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Finance

Croatia Banka has been growing its revenues and asset by 10.7% and 4.65% a year on average in the last 5 years. Its loans and deposits have grown by 2.05% and 9.81% a year during that time and loans to deposits ratio reached 55.1% at the end of 2017. The company achieved an average return on equity of -6.97% in the last five years with net profit growing -21.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 74.4% in 2017, compared to 82.1% average in the last five years.

Equity represented 6.10% of total assets or 13.2% of loans at the end of 2017. Croatia Banka's non-performing loans were 23.1% of total loans while provisions covered some 79.6% of NPLs at the end of 2017.