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Eurobank Serbia

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Eurobank Serbia

Eurobank Serbia is a medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment,

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Eurobank Serbia is a medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. At the end of 2013, the Bank operated through 105 branches and employed nearly 1,500 persons serving over 900,000 clients. After two acquisitions (Postbank & National Savings Bank), Eurobank today holds aound 5% of the Serbian banking market.

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summary Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

            8,143 7,091 7,499 7,504 7,270    
            10,631 9,374 9,572 9,569 9,379    
            5,195 4,005 4,188 3,725 3,904    
            2,672 1,674 1,376 -2,665 2,916    

balance sheet

            30,022 16,526 20,248 6,345 10,417    
            99,444 104,477 92,436 95,852 87,024    
            16,790 21,923 18,226 19,163 26,169    
            160,475 168,928 167,978 157,303 140,583    
            43,760 45,412 45,411 46,824 46,955    
            26,895 27,758 21,585 6,246 3,933    
            86,536 92,891 99,865 103,332 88,528    
            0.000 0.000 49.3 32.8 75.6    

ratios

            6.30% 3.75% 3.03% -5.78% 6.22%    
            1.57% 1.02% 0.817% -1.64% 1.96%    
            3.18% 3.26% 3.20% 3.59% 3.68%    
            51.1% 57.3% 56.2% 61.1% 58.4%    
... ...         23.6% 22.7% 19.5% 14.7% 15.9%    
            4.77% 4.31% 4.45% 4.61% 4.88%    
            76.6% 75.7% 78.3% 78.4% 77.5%    
            17.6% 20.9% 19.6% 19.2% 19.5%    
            38.3% 37.4% 36.0% 31.4% 32.4%    
            27.3% 26.9% 27.0% 29.8% 33.4%    
            115% 112% 92.6% 92.8% 98.3%    
            62.0% 61.8% 55.0% 60.9% 61.9%    
... ...         9.59% 14.1% 19.7% 29.0% 32.7%    
... ...         65.9% 55.3% 63.6% 65.6% 56.4%    

Download Data
income statement Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income RSD mil
Interest Cost RSD mil
Net Interest Income RSD mil
Net Fee Income RSD mil
Other Income RSD mil
Total Revenues RSD mil
Staff Cost RSD mil
Depreciation RSD mil
Other Cost RSD mil
Operating Cost RSD mil
Operating Profit RSD mil
Provisions RSD mil
Extra and Other Cost RSD mil
Pre-Tax Profit RSD mil
Tax RSD mil
Minorities RSD mil
Net Profit RSD mil
            13,398 12,270 12,102 10,279 8,649    
            5,255 5,179 4,603 2,776 1,380    
            8,143 7,091 7,499 7,504 7,270    
            1,875 1,954 1,880 1,842 1,825    
            613 328 194 224 285    
            10,631 9,374 9,572 9,569 9,379    
            2,080 2,006 1,937 1,834 1,774    
            392 402 418 437 410    
            2,963 2,961 3,029 3,573 3,290    
            5,435 5,369 5,384 5,844 5,474    
            5,195 4,005 4,188 3,725 3,904    
            2,298 2,108 2,859 6,382 1,004    
            -0.194 0.114 0.001 0.000 0.000    
            2,898 1,897 1,329 -2,657 2,901    
            226 223 -47.1 7.57 -15.7    
            0.000 0.000 0.000 0.000 0.000    
            2,672 1,674 1,376 -2,665 2,916    

growth rates

...           6.62% -12.9% 5.75% 0.067% -3.12%    
...           -12.3% 4.26% -3.82% -2.03% -0.927%    
...           -1.68% -11.8% 2.12% -0.032% -1.99%    
...           -5.56% -1.22% 0.282% 8.55% -6.33%    
...           2.75% -22.9% 4.58% -11.1% 4.83%    
...           6.01% -34.5% -29.9% -300% -209%    
...           1.96% -37.4% -17.8% -294% -209%    

market share

            6.45% 5.54% 5.88% 5.48% 5.11%    
... ...         214% 14.4% ... ... 39.1%    
            5.27% 5.33% 5.87% 6.17% 6.18%    
...           4.49% 4.77% 5.28% 5.60% 5.49%    

Download Data
balance sheet Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

            6,144 18,611 32,662 32,536 21,255    
            30,022 16,526 20,248 6,345 10,417    
            99,444 104,477 92,436 95,852 87,024    
            43,000 44,416 43,606 47,586 50,248    
            23,500 24,090 22,595 22,708 22,315    
            19,500 20,326 21,011 24,878 27,933    
            63,155 68,932 62,087 58,473 56,492    
            16,790 21,923 18,226 19,163 26,169    
            5,615 5,650 5,650 5,731 5,531    
            160,475 168,928 167,978 157,303 140,583    
            43,760 45,412 45,411 46,824 46,955    
            0.000 0.000 0.000 0.000 0.000    
            116,715 123,516 122,567 110,479 93,628    
            26,895 27,758 21,585 6,246 3,933    
            86,536 92,891 99,865 103,332 88,528    
            58,000 66,991 72,865 77,465 64,528    
            28,536 25,901 27,000 25,867 24,000    
            0.000 0.000 49.3 32.8 75.6    
            3,284 2,867 1,068 868 1,091    

asset quality

... ...         10,182 16,027 20,846 30,781 34,940    
            106,155 113,347 105,693 106,058 106,740    
            6,711 8,870 13,256 20,206 19,716    

growth rates

...           -22.7% 5.06% -11.5% 3.70% -9.21%    
...           1.15% 3.29% -1.82% 9.13% 5.59%    
...           0.732% 2.51% -6.21% 0.500% -1.73%    
...           1.66% 4.23% 3.37% 18.4% 12.3%    
...           -30.5% 9.15% -9.93% -5.82% -3.39%    
...           -11.3% 5.27% -0.562% -6.35% -10.6%    
...           6.55% 3.77% -0.001% 3.11% 0.279%    
...           -25.1% 7.34% 7.51% 3.47% -14.3%    
...           -4.91% 15.5% 8.77% 6.31% -16.7%    
...           -47.7% -9.23% 4.24% -4.20% -7.22%    

market share

            5.00% 4.64% 4.19% 4.02% 3.45%    
            6.21% 6.16% 6.13% 6.02% 5.69%    
            5.99% 5.93% 5.86% 6.42% 6.77%    
            7.15% 6.81% 6.47% 6.57% 6.62%    
            8.52% 7.78% 7.17% 6.74% 6.44%    
            5.53% 5.35% 5.33% 4.76% 4.10%    
            6.24% 6.07% 6.26% 6.02% 4.84%    
            6.78% 6.78% 7.12% 7.07% 5.70%    
            6.74% 6.00% 6.29% 5.17% 4.16%    

Download Data
ratios Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

            6.30% 3.75% 3.03% -5.78% 6.22%    
            1.57% 1.02% 0.817% -1.64% 1.96%    
            3.18% 3.26% 3.20% 3.59% 3.68%    
            51.1% 57.3% 56.2% 61.1% 58.4%    
... ...         23.6% 22.7% 19.5% 14.7% 15.9%    
            4.77% 4.31% 4.45% 4.61% 4.88%    
...           3.75% 3.14% 3.44% 3.94% 4.46%    
            7.85% 7.45% 7.18% 6.32% 5.81%    
...           4.10% 4.31% 3.74% 2.38% 1.35%    
            76.6% 75.7% 78.3% 78.4% 77.5%    
            17.6% 20.9% 19.6% 19.2% 19.5%    
            5.76% 3.50% 2.02% 2.34% 3.03%    
            1,535 1,257 1,224 1,078 933    
            112,645 110,550 104,272 98,718 98,576    
            38.3% 37.4% 36.0% 31.4% 32.4%    
            27.3% 26.9% 27.0% 29.8% 33.4%    
            115% 112% 92.6% 92.8% 98.3%    
            62.0% 61.8% 55.0% 60.9% 61.9%    
... ...         9.59% 14.1% 19.7% 29.0% 32.7%    
... ...         65.9% 55.3% 63.6% 65.6% 56.4%    
            6.75% 8.49% 14.3% 21.1% 22.7%    
            2.01% 2.07% 2.90% 6.78% 1.10%    

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other data Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

...           107 107 105 100 95.0    
            1,539 1,512 1,548 1,548 1,500    

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Comparison of 18 Banks in Serbia

This Annual Statistical Dossier offers a comparison of 18 Serbian banks from 2002 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 18 Serbian banks from 2002 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Eurobank Serbia in Numbers

September 23, 2018
Eurobank Serbia in Numbers

This Annual statistical dossier offers a summary of Eurobank Serbia's performance between 2005 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Eurobank Serbia's performance between 2005 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Eurobank Serbia's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Eurobank Serbia in Numbers

Eurobank Serbia is a medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal,

Read more »

Eurobank Serbia is a medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. At the end of 2013, the Bank operated through 105 branches and employed nearly 1,500 persons serving over 900,000 clients. After two acquisitions (Postbank & National Savings Bank), Eurobank today holds aound 5% of the Serbian banking market.

This excel file offers a summary of the bank's performance in 2005-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Serbia

Based on a comparison of 15 banks in Serbia in 2017, Bank Intesa Serbia was the largest bank by assets, followed by UniCredit Bank Serbia and Komercijalna Banka Beograd.

Bank Intesa Serbia assets reached 564,860, up 2.44% when compared

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Based on a comparison of 15 banks in Serbia in 2017, Bank Intesa Serbia was the largest bank by assets, followed by UniCredit Bank Serbia and Komercijalna Banka Beograd.

Bank Intesa Serbia assets reached 564,860, up 2.44% when compared to the last year. Historically, the bank’s assets reached an all time high of 564,860 in 2017 and an all time low of 28,914 in 2002.

Comparing Bank Intesa Serbia with its closest peers, UniCredit Bank Serbia assets amounted to 370,780, Komercijalna Banka Beograd operated with 369,184 assets and Societe Generale Serbia had total assets of 294,755.

Total assets of the Serbian banking sector amounted to RSD 3,599 bil in 2017, up 0.145% when compared to the last year. As a result, the top ranked company - Bank Intesa Serbia accounted for 15.7% of the sector’s assets in 2017. The top 3 companies held a 36.3% share while the five largest firms some 51.8% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Serbian banks in the report section.

Based on a comparison of 14 banks in Serbia in 2017, Addiko Bank Serbia was paying its employees the best, followed by Societe Generale Serbia and UniCredit Bank Serbia.

Addiko Bank Serbia employed 595 persons in 2017, down 6.89% when

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Based on a comparison of 14 banks in Serbia in 2017, Addiko Bank Serbia was paying its employees the best, followed by Societe Generale Serbia and UniCredit Bank Serbia.

Addiko Bank Serbia employed 595 persons in 2017, down 6.89% when compared to the previous year. Historically, the bank's workforce hit an all time high of 872 persons in 2011 and an all time low of 595 in 2017.

Average cost reached 204,230 per employee, 2.52% more than a year ago. This figure was 104,412 some 10 years ago.

Staff accounted for 32.3% of total operating expenditures in 2017.

Comparing Addiko Bank Serbia with its closest peers, Societe Generale Serbia had 1,451 employees with average cost of 198,469 per person, UniCredit Bank Serbia operated with 1,286 people (and 187,581 per employee) and NLB Serbia had 431 employees in 2017 with cost of 185,214 per head.

The average staff cost per employee reached 153,564 in the Serbian banking sector in 2017.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Serbian banks in the report section.

Based on a comparison of 15 banks in Serbia, AIK Banka produced the highest net profit in 2017, followed by Bank Intesa Serbia and Komercijalna Banka Beograd.

AIK Banka made a net profit of 12,080, up 178% compared to the previous

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Based on a comparison of 15 banks in Serbia, AIK Banka produced the highest net profit in 2017, followed by Bank Intesa Serbia and Komercijalna Banka Beograd.

AIK Banka made a net profit of 12,080, up 178% compared to the previous year. Historically, the bank’s net profit reached an all time high of 12,080 in 2017 and an all time low of 1,017 in 2003. The average profit in the last five years amounted to 4,697.

The bank generated an average return on equity of 8.58% for its shareholders in the last five years with a maximum of 21.2% and a minimum of 2.47%.

Comparing AIK Banka with its closest peers, Bank Intesa Serbia generated a net profit of 11,848 with a ROE of 9.75% in 2017, Komercijalna Banka Beograd netted 8,268 (ROE of 13.9%) and UniCredit Bank Serbia announced a net profit of 6,782 giving a ROE of 10.0%.

The net profit of the Serbia’s banking sector amounted to 63,572 in 2017, up 246% compared to the previous year. Heading up the rankings, AIK Banka accounted for 19.0% of the sector’s net profit in 2017. The top 3 companies held a 50.6% share while the five largest firms some 71.7% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Serbian banks in the report section.

Based on a comparison of 13 banks in Serbia in 2016, Bank Intesa Serbia had the most employees, followed by Komercijalna Banka Beograd and Banka Postanska Stedionica.

Bank Intesa Serbia employed 3,032 persons in 2016, up 0.731% when

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Based on a comparison of 13 banks in Serbia in 2016, Bank Intesa Serbia had the most employees, followed by Komercijalna Banka Beograd and Banka Postanska Stedionica.

Bank Intesa Serbia employed 3,032 persons in 2016, up 0.731% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,200 persons in 2011 and an all time low of 2,028 in 2003.

Average cost reached RSD 157,725 per month per month per employee, 4.26% more than a year ago. This figure was RSD 61,030 per month some 10 years ago.

Comparing Bank Intesa Serbia with its closest peers, Komercijalna Banka Beograd had 2,858 employees with average cost of RSD 147,524 per month per person, Banka Postanska Stedionica operated with 1,724 people (and RSD 105,063 per month per employee) and Raiffeisenbank Serbia had 1,458 employees in 2016 with cost RSD 1,458 per month per head.

Serbian banking sector employed 23,847 people in 2016. The average staff cost per employee reached RSD 150,282 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Serbian banks in the report section.

See all charts of the company »
Eurobank Serbia's consumer loans rose 19.3% to RSD 38,258 mil in 2017
Eurobank Serbia's mortgage loans fell 14.0% to RSD 18,852 mil in 2017
Eurobank Serbia's net profit rose 5.84% to RSD 2,182 mil in 2017
Eurobank Serbia's npls (as % of loans) fell 44.6% to 17.5% in 2017
Eurobank Serbia's net profit rose 5.84% to RSD 2,182 mil in 2017
Eurobank Serbia's customer loans rose 11.9% to RSD 106,135 mil in 2017
Eurobank Serbia's total revenues rose 3.73% to RSD 8,829 mil in 2017
Eurobank Serbia's customer deposits rose 3.30% to RSD 96,617 mil in 2017
Eurobank Serbia's employees rose 1.17% to 1,467 in 2017
Eurobank Serbia's net interest margin fell 3.82% to 4.25% in 2017