DNB Bank Polska

DNB Polska's net profit rose 31.5% to PLN 77.6 mil in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska made a net profit of PLN 77.6 mil under revenues of PLN 233 mil in 2017, up 31.5% and -1.52% respectively compared to...

DNB Polska's customer deposits rose 20.3% to PLN 4,902 mil in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska's customer deposits reached PLN 4,902 mil in 2017, up 20.3% compared to the previous year. Polish banking secto...

DNB Polska's net interest margin rose 5.41% to 1.76% in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska's net interest margin amounted to 1.76% in 2017, up from 1.67% compared to the previous year. Historically...

Profit Statement 2015 2016 2017
Net Interest Income PLN mil 159 173 189
Fee Income (As % Of Revenues) % 11.8 7.36 7.45
Other Income PLN mil 41.9 46.8 27.1
Total Revenues PLN mil 228 237 233
Staff Cost PLN mil 53.0 56.6 60.4
Operating Profit PLN mil 86.7 99.3 101
Provisions PLN mil 19.5 23.5 -0.665
Net Profit PLN mil 56.4 59.0 77.6
Balance Sheet 2015 2016 2017
Interbank Loans PLN mil 133 79.3 53.5
Customer Loans PLN mil 7,985 8,125 7,576
Debt Securities PLN mil 1,612 2,100 3,054
Total Assets PLN mil 10,145 10,499 10,920
Shareholders' Equity PLN mil 1,432 1,481 1,566
Interbank Borrowing PLN mil 5,394 4,853 4,317
Customer Deposits PLN mil 3,226 4,075 4,902
Issued Debt Securities PLN mil 0 0 0
Ratios 2015 2016 2017
ROE % 4.03 4.05 5.09
ROA % 0.568 0.571 0.724
Costs (As % Of Assets) % 1.43 1.33 1.23
Costs (As % Of Income) % 62.0 58.1 56.6
Capital Adequacy Ratio % ... 16.4 ...
Net Interest Margin % 1.60 1.67 1.76
Loans (As % Of Deposits) % 248 199 155
Growth Rates 2015 2016 2017
Total Revenue Growth % 5.51 3.69 -1.52
Operating Cost Growth % -1.81 -2.95 -4.05
Operating Profit Growth % 20.2 14.5 1.97
Net Profit Growth % 38.7 4.49 31.5
Customer Loan Growth % -2.10 1.75 -6.76
Total Asset Growth % 4.25 3.49 4.01
Customer Deposit Growth % -8.56 26.3 20.3
Shareholders' Equity Growth % 4.55 3.47 5.68
Employees ... ... ...

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summary Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                              
Net Interest Income PLN mil                 205 109 122 140 159    
Total Revenues PLN mil                 410 303 261 216 228    
Operating Profit PLN mil                 162 38.4 57.4 72.2 86.7    
Net Profit PLN mil                 88.6 -16.6 -87.6 40.7 56.4    
balance sheet                              
Interbank Loans PLN mil                 174 142 72.6 101 133    
Customer Loans PLN mil                 10,453 9,776 7,941 8,156 7,985    
Debt Securities PLN mil                 875 840 994 1,104 1,612    
Total Assets PLN mil                 12,223 11,300 9,471 9,731 10,145    
Shareholders' Equity PLN mil                 876 1,413 1,326 1,369 1,432    
Interbank Borrowing PLN mil                 6,527 4,953 4,669 4,705 5,394    
Customer Deposits PLN mil                 4,408 4,765 3,345 3,528 3,226    
Issued Debt Securities PLN mil                 198 0 0 0 0    
ratios                              
ROE %                 11.2 -1.45 -6.39 3.02 4.03    
ROA %                 0.811 -0.141 -0.843 0.424 0.568    
Costs (As % Of Assets) %                 2.26 2.25 1.96 1.50 1.43    
Costs (As % Of Income) %                 60.4 87.3 78.0 66.7 62.0    
Capital Adequacy Ratio % ... ... ... ... ... ... ... ... 10.1 13.8 ... ... ...   ...
Net Interest Margin %                 1.87 0.926 1.18 1.46 1.60    
Interest Income (As % Of Revenues) %                 49.9 36.0 46.9 64.7 69.8    
Fee Income (As % Of Revenues) %                 14.7 15.4 12.4 14.3 11.8    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ... ... 41.7 39.2 37.4    
Equity (As % Of Assets) %                 7.17 12.5 14.0 14.1 14.1    
Loans (As % Of Deposits) %                 237 205 237 231 248    
Loans (As % Assets) %                 85.5 86.5 83.8 83.8 78.7    
valuation                              
Book Value Per Share ... ... ... ... ... ...     1.40 1.36 1.05 1.09 1.14    
Book Value Per Share Growth % ... ... ... ... ... ... ...   24.4 -2.63 -22.4 3.26 4.55    
income statement Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                              
Interest Income PLN mil                 491 515 347 267 245    
Interest Cost PLN mil                 287 406 225 127 85.8    
Net Interest Income PLN mil                 205 109 122 140 159    
Net Fee Income PLN mil                 60.3 46.5 32.4 31.0 27.0    
Other Income PLN mil                 145 147 106 45.5 41.9    
Total Revenues PLN mil                 410 303 261 216 228    
Staff Cost PLN mil ... ... ... ... ... ... ... ... ... ... 84.8 56.5 53.0    
Depreciation PLN mil ... ... ... ... ... ... ... ... ... ... 18.6 14.2 11.2    
Other Cost PLN mil ... ... ... ... ... ... ... ... ... ... 100 73.5 77.4    
Operating Cost PLN mil                 247 264 203 144 142    
Operating Profit PLN mil                 162 38.4 57.4 72.2 86.7    
Provisions PLN mil                 47.5 53.1 153 18.1 19.5    
Extra and Other Cost PLN mil                 0.154 < 0.001 -192 0 0    
Pre-Tax Profit PLN mil                 115 -14.7 95.8 54.1 67.2    
Tax PLN mil                 26.1 1.94 -8.18 13.4 10.8    
Minorities PLN mil                 0 0 0 0 0    
Net Profit PLN mil                 88.6 -16.6 -87.6 40.7 56.4    
growth rates                              
Net Interest Income Growth % ...               7.51 -46.8 12.5 14.3 13.9    
Net Fee Income Growth % ...               2.70 -22.9 -30.3 -4.49 -12.7    
Total Revenue Growth % ...               20.8 -26.2 -13.8 -17.0 5.51    
Operating Cost Growth % ...               12.3 6.80 -23.0 -29.1 -1.81    
Operating Profit Growth % ...               36.5 -76.3 49.4 25.6 20.2    
Pre-Tax Profit Growth % ...               67.0 -113 -752 -43.5 24.3    
Net Profit Growth % ...               73.0 -119 427 -146 38.7    
market share                              
Market Share in Revenues %                 0.715 0.515 0.470 0.375 0.408    
Market Share in Net Profit %             ...   0.570 ... ... 0.256 0.504    
Market Share in Employees % ... ... ... ... ... ... ... ... 0.544 0.443 ... ... ... ... ...
balance sheet Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                              
Cash PLN mil                 456 329 248 174 235    
Interbank Loans PLN mil                 174 142 72.6 101 133    
Customer Loans PLN mil                 10,453 9,776 7,941 8,156 7,985    
Debt Securities PLN mil                 875 840 994 1,104 1,612    
Fixed Assets PLN mil                 61.6 55.4 40.2 36.7 33.3    
Total Assets PLN mil                 12,223 11,300 9,471 9,731 10,145    
Shareholders' Equity PLN mil                 876 1,413 1,326 1,369 1,432    
Of Which Minority Interest PLN mil                 0 0 0 0 0   ...
Liabilities PLN mil                 11,347 9,887 8,145 8,361 8,713    
Interbank Borrowing PLN mil                 6,527 4,953 4,669 4,705 5,394    
Customer Deposits PLN mil                 4,408 4,765 3,345 3,528 3,226    
Issued Debt Securities PLN mil                 198 0 0 0 0    
Other Liabilities PLN mil                 213 169 131 129 92.7    
growth rates                              
Customer Loan Growth % ...               47.9 -6.48 -18.8 2.71 -2.10    
Total Asset Growth % ...               26.8 -7.55 -16.2 2.74 4.25    
Shareholders' Equity Growth % ...               24.4 61.3 -6.14 3.26 4.55    
Customer Deposit Growth % ...               -1.79 8.10 -29.8 5.47 -8.56    
market share                              
Market Share in Customer Loans %                 1.14 1.04 0.817 0.785 0.723    
Market Share in Total Assets %                 0.944 0.837 0.674 0.635 0.634    
Market Share in Customer Deposits %                 0.488 0.513 0.342 0.337 0.289    
ratios Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                              
ROE %                 11.2 -1.45 -6.39 3.02 4.03    
ROA %                 0.811 -0.141 -0.843 0.424 0.568    
Costs (As % Of Assets) %                 2.26 2.25 1.96 1.50 1.43    
Costs (As % Of Income) %                 60.4 87.3 78.0 66.7 62.0    
Capital Adequacy Ratio % ... ... ... ... ... ... ... ... 10.1 13.8 ... ... ...   ...
Net Interest Margin %                 1.87 0.926 1.18 1.46 1.60    
Interest Spread % ...               1.67 0.553 0.850 1.24 1.46    
Asset Yield %                 4.49 4.38 3.34 2.78 2.47    
Cost Of Liabilities % ...               2.83 3.82 2.49 1.54 1.00    
Interest Income (As % Of Revenues) %                 49.9 36.0 46.9 64.7 69.8    
Fee Income (As % Of Revenues) %                 14.7 15.4 12.4 14.3 11.8    
Other Income (As % Of Revenues) %                 35.3 48.6 40.6 21.0 18.4    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ... ... 41.7 39.2 37.4    
Equity (As % Of Assets) %                 7.17 12.5 14.0 14.1 14.1    
Loans (As % Of Deposits) %                 237 205 237 231 248    
Loans (As % Assets) %                 85.5 86.5 83.8 83.8 78.7    
Cost of Provisions (As % Of Loans) %                 0.542 0.525 1.73 0.224 0.241    
other data Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                              
Employees ... ... ... ... ... ... ... ... 1,014 806 ... ... ... ... ...

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DNB Polska's total revenues fell 1.52% to PLN 233 mil in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska generated total banking revenues of PLN 233 mil in 2017, down 1.52% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. ...

DNB Polska's customer loans fell 6.76% to PLN 7,576 mil in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska's customer loans reached PLN 7,576 mil in 2017, down 6.76% compared to the previous year. Polish banking sector provided customer loans of PLN 1,206 bil in 2017, up 3.69% when compared to the last year. DNB Bank Polska accounted for 0.628%...

DNB Polska's net interest income rose 9.37% to PLN 189 mil in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska generated total banking revenues of PLN 233 mil in 2017, down 1.52% 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 PLN 410 mil in 2011 and an...

DNB Polska's customer loan growth fell 487% to -6.76% in 2017

By Helgi Analytics - September 23, 2018

DNB Bank Polska's customer loan growth reached -6.76% in 2017, down from 1.75% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 159% in 2007 and an all time low of -18.8% in 2013. In the last decade, the ave...

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Finance

DNB Bank Polska has been growing its revenues and asset by 2.52% and 3.92% a year on average in the last 3 years. Its loans and deposits have grown by -2.43% and 11.6% a year during that time and loans to deposits ratio reached 155% at the end of 2017. The company achieved an average return on equity of 4.39% in the last three years with net profit growing 24.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 56.6% in 2017, compared to 58.9% average in the last three years.

Equity represented 14.3% of total assets or 20.7% of loans at the end of 2017. DNB Bank Polska's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.