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Gorenjska Banka

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Gorenjska Banka

Gorenjska Banka is a medium-sized universal Slovenian bank. While first in the Gorenjska region, the Bank holds approximately 4% of the whole Slovenian banking 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

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Gorenjska Banka is a medium-sized universal Slovenian bank. While first in the Gorenjska region, the Bank holds approximately 4% of the whole Slovenian banking 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 23 branches and employed over 400 persons in Slovenia. The Bank was founded in 1955 and is based in Kranj, Slovenia.

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summary Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

              52.7 42.0 35.3 34.3 30.4    
              65.1 54.6 46.3 59.6 44.0    
              37.2 27.4 14.0 32.3 17.4    
              1.68 -62.2 -116 2.60 3.74    

balance sheet

              25.4 32.8 15.7 67.9 87.8    
              1,359 1,311 960 794 705    
              501 392 266 415 411    
              1,947 1,790 1,561 1,441 1,452    
              337 289 166 187 185    
              332 301 289 184 136    
              1,237 1,151 1,066 1,060 1,118    
              30.3 42.1 34.1 4.00 4.26    

ratios

              0.477% -19.9% -50.8% 1.48% 2.01%    
              0.087% -3.33% -6.90% 0.173% 0.259%    
              1.45% 1.45% 1.93% 1.82% 1.84%    
              42.9% 49.8% 69.8% 45.7% 60.5%    
...             13.9% 14.1% 13.4% 16.6% 17.9%    
              2.73% 2.25% 2.11% 2.29% 2.10%    
              81.0% 77.0% 76.2% 57.6% 69.2%    
              16.1% 18.1% 21.3% 17.5% 25.7%    
              58.1% 56.9% 45.4% 49.6% 54.1%    
              17.3% 16.2% 10.6% 13.0% 12.7%    
              110% 114% 90.0% 74.9% 63.1%    
              69.8% 73.2% 61.5% 55.1% 48.6%    
... ...           13.1% 26.4% 34.5% 39.1% 32.7%    
... ...           63.7% 45.4% 56.9% 47.4% 51.6%    

Download Data
income statement Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
              87.7 75.8 61.9 51.6 40.1    
              35.0 33.7 26.6 17.3 9.65    
              52.7 42.0 35.3 34.3 30.4    
              10.5 9.90 9.85 10.4 11.3    
              1.91 2.63 1.17 14.8 2.26    
              65.1 54.6 46.3 59.6 44.0    
              16.2 15.5 14.7 13.5 14.4    
              2.13 2.21 2.41 2.58 1.74    
              9.56 9.51 15.3 11.1 10.5    
              27.9 27.2 32.4 27.2 26.6    
              37.2 27.4 14.0 32.3 17.4    
              30.6 96.1 126 28.8 12.5    
              4.85 3.10 -0.422 0.219 1.03    
              1.67 -71.8 -112 3.29 4.88    
              0.008 -9.56 4.08 0.687 1.14    
              0.000 0.000 0.000 0.000 0.000    
              1.68 -62.2 -116 2.60 3.74    

growth rates

...             -20.2% -20.2% -16.0% -2.75% -11.4%    
...             0.220% -5.59% -0.576% 5.66% 8.71%    
...             -16.3% -16.2% -15.1% 28.6% -26.2%    
...             -0.711% -2.66% 19.0% -15.8% -2.35%    
...             -25.1% -26.3% -49.0% 132% -46.3%    
...             -93.6% -4,394% 55.3% -103% 48.4%    
...             -92.0% -3,804% 85.8% -102% 43.7%    

market share

              4.50% 3.49% 4.25% 4.84% 3.80%    
            ... ... ... ... ... 3.25%    
              3.57% 3.55% 3.57% 3.66% 3.87%    
... ... ... ... ... ... ... ... ... ... ... ... ...  

Download Data
balance sheet Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

              27.7 17.3 61.9 92.1 175    
              25.4 32.8 15.7 67.9 87.8    
              1,359 1,311 960 794 705    
              122 124 125 127 134    
... ... ... ... ... ... ... 54.2 60.1 64.7 68.8 76.8    
... ... ... ... ... ... ... 68.3 64.2 60.4 57.9 56.8    
              1,236 1,187 1,069 848 712    
              501 392 266 415 411    
              11.8 11.5 10.7 10.4 10.3    
              1,947 1,790 1,561 1,441 1,452    
              337 289 166 187 185    
              0.000 0.000 0.000 0.000 0.000    
              1,610 1,501 1,395 1,254 1,267    
              332 301 289 184 136    
              1,237 1,151 1,066 1,060 1,118    
              753 766 737 770 826    
              484 385 329 290 292    
... ... ... ... ... ... ... 428 437 444 509 592    
... ... ... ... ... ... ... 809 715 622 551 525    
              30.3 42.1 34.1 4.00 4.26    
              11.2 6.84 6.38 6.50 8.58    

asset quality

... ...           178 346 412 381 277    
              1,359 1,311 1,194 975 848    
              113 157 234 181 143    

growth rates

...             -1.84% -3.53% -26.8% -17.3% -11.1%    
...             7.58% 1.50% 0.707% 1.22% 5.43%    
... ... ... ... ... ... ... ... 10.9% 7.71% 6.32% 11.5%    
... ... ... ... ... ... ... ... -5.98% -5.85% -4.25% -1.83%    
...             -2.68% -4.03% -9.95% -20.7% -16.0%    
...             2.02% -8.08% -12.8% -7.68% 0.763%    
...             -8.13% -14.2% -42.7% 12.8% -0.971%    
...             4.05% -6.94% -7.41% -0.553% 5.47%    
...             3.07% 1.78% -3.76% 4.49% 7.17%    
...             5.63% -20.5% -14.7% -11.9% 0.973%    

market share

              4.10% 4.23% 3.94% 3.68% 3.48%    
              6.75% 7.22% 9.29% 9.23% 8.70%    
... ... ... ... ... ... ... 1.75% 1.79% 1.91% 1.94% 1.96%    
              1.35% 1.40% 1.48% 1.52% 1.58%    
... ... ... ... ... ... ... 1.05% 1.14% 1.22% 1.29% 1.39%    
              3.95% 3.88% 3.87% 3.72% 3.88%    
              5.03% 4.83% 4.73% 4.34% 4.45%    
              5.06% 5.17% 5.13% 5.10% 5.31%    
... ... ... ...       12.0% 10.5% 7.83% 6.19% 6.28%    

Download Data
ratios Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

              0.477% -19.9% -50.8% 1.48% 2.01%    
              0.087% -3.33% -6.90% 0.173% 0.259%    
              1.45% 1.45% 1.93% 1.82% 1.84%    
              42.9% 49.8% 69.8% 45.7% 60.5%    
...             13.9% 14.1% 13.4% 16.6% 17.9%    
... ... ... ... ... ... ... 13.9% 14.1% 13.4% 16.6% 17.9%    
              2.73% 2.25% 2.11% 2.29% 2.10%    
...             2.33% 1.89% 1.86% 2.13% 2.00%    
              4.55% 4.06% 3.70% 3.44% 2.77%    
...             2.22% 2.17% 1.84% 1.31% 0.766%    
              81.0% 77.0% 76.2% 57.6% 69.2%    
              16.1% 18.1% 21.3% 17.5% 25.7%    
              2.93% 4.83% 2.52% 24.9% 5.14%    
              4,458 4,056 4,050 3,715 3,402    
              3,207 3,159 3,051 2,882 2,968    
              58.1% 56.9% 45.4% 49.6% 54.1%    
              17.3% 16.2% 10.6% 13.0% 12.7%    
              110% 114% 90.0% 74.9% 63.1%    
              69.8% 73.2% 61.5% 55.1% 48.6%    
... ...           13.1% 26.4% 34.5% 39.1% 32.7%    
... ...           63.7% 45.4% 56.9% 47.4% 51.6%    
              8.35% 12.0% 24.4% 22.8% 20.3%    
              2.23% 7.20% 11.1% 3.29% 1.67%    

Download Data
other data Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ... ... ... ... ... ... ...  
              422 408 401 391 404    
... ... ... ... ... ... ... 34.6% 37.9% 41.7% 48.0% 53.0%    

Download Data
Comparison of 10 Banks in Slovenia

This Annual Statistical Dossier offers a comparison of 10 Slovenian banks from 1997 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 10 Slovenian banks from 1997 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.

Gorenjska Banka in Numbers

September 25, 2018
Gorenjska Banka in Numbers

This Annual statistical dossier offers a summary of Gorenjska Banka's performance between 2004 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 Gorenjska Banka's performance between 2004 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 Gorenjska Banka'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.

Gorenjska Banka at a Glance

Gorenjska Banka is a medium-sized universal Slovenian bank. While first in the Gorenjska region, the Bank holds approximately 4% of the whole Slovenian banking 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.

Read more »

Gorenjska Banka is a medium-sized universal Slovenian bank. While first in the Gorenjska region, the Bank holds approximately 4% of the whole Slovenian banking 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 23 branches and employed over 400  persons in Slovenia. The Bank was founded in 1955 and is based in Kranj, Slovenia.

This report offers a summary of the bank's performance in 2004-2013. 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 Slovenia

Gorenjska Banka in Numbers

Gorenjska Banka is a medium-sized universal Slovenian bank. While first in the Gorenjska region, the Bank holds approximately 4% of the whole Slovenian banking 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.

Read more »

Gorenjska Banka is a medium-sized universal Slovenian bank. While first in the Gorenjska region, the Bank holds approximately 4% of the whole Slovenian banking 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 23 branches and employed over 400  persons in Slovenia. The Bank was founded in 1955 and is based in Kranj, Slovenia.

This excel file offers a summary of the bank's performance in 2004-2013. 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 Slovenia

Based on a comparison of 9 banks in Slovenia, Nova Ljubljanska banka produced the highest net profit in 2017, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka made a net profit of 225, up 105% compared to the previous

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Based on a comparison of 9 banks in Slovenia, Nova Ljubljanska banka produced the highest net profit in 2017, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka made a net profit of 225, up 105% compared to the previous year. Historically, the bank’s net profit reached an all time high of 225 in 2017 and an all time low of -1,442 in 2013. The average profit in the last five years amounted to -190.

The bank generated an average return on equity of -17.2% for its shareholders in the last five years with a maximum of 14.3% and a minimum of -119%.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group generated a net profit of 47.8 with a ROE of 6.93% in 2017, SKB Banka netted 43.4 (ROE of 11.4%) and Abanka Group announced a net profit of 41.6 giving a ROE of 6.95%.

The net profit of the Slovenia’s banking sector amounted to 425 in 2017, up 28.0% compared to the previous year. Heading up the rankings, Nova Ljubljanska banka accounted for 53.0% of the sector’s net profit in 2017. The top 3 companies held a 74.4% share while the five largest firms some 92.7% 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 Slovenian banks in the report section.

Based on a comparison of 9 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest revenues, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total revenues of 489, up 2.71% compared to the

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Based on a comparison of 9 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest revenues, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total revenues of 489, up 2.71% 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 688 in 2008 and an all time low of 69.3 in 2013. The average revenue in the last five years amounted to 407.

Bank's total revenues accounted for 3.99% of total assets in 2017, up from 3.95% a year earlier.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group generated total revenues of 143, or 2.90% of assets in 2017, Abanka Group operated with 120 total income, or 3.29% revenue margin and SKB Banka produced total income worth 111, or 3.49% of assets.

Slovenian banking sector generated total revenues of 1,074 in 2017, down 4.70% when compared to the previous year. As a result, the top ranked company - Nova Ljubljanska banka accounted for 45.5% of the sector’s total income in 2017. The top 3 companies held a 70.0% share while the five largest firms some 86.9% in 2017.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Slovenian banks in the report section.

Based on a comparison of 9 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest fee income, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total fee income of EUR 155 mil, up 6.66% compared

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Based on a comparison of 9 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest fee income, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total fee income of EUR 155 mil, up 6.66% compared to the previous year. Historically, the bank’s fee income reached an all time high of EUR 166 mil in 2008 and an all time low of EUR 66.3 mil in 2000.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group generated total fee income of EUR 45.5 mil, Abanka Group operated with EUR 40.6 mil fee income and Intesa Sanpaolo Bank Slovenia produced total fees worth EUR 25.0 mil.

You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the Slovenian banks in the report section.

Based on a comparison of 9 banks in Slovenia in 2017, Nova Ljubljanska banka was the largest lender, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka loans reached 6,995, down 0.041% compared to the previous year.

Read more »

Based on a comparison of 9 banks in Slovenia in 2017, Nova Ljubljanska banka was the largest lender, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka loans reached 6,995, down 0.041% compared to the previous year. Historically, the bank’s loans reached an all time high of 12,917 in 2008 and an all time low of 2,783 in 2000.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group customer loans amounted to 2,366, SKB Banka operated with 2,282 loans and Abanka Group had a loan portfolio of 1,967.

Slovenian banking sector provided total customer loans of CZK 21.5 bil in 2017, up 4.82% when compared to the last year. As a result, the top ranked company - Nova Ljubljanska banka accounted for 32.5% of the sector’s loans in 2017. The top 3 companies held a 54.1% share while the five largest firms some 71.8% in 2017.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Slovenian banks in the report section.

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Gorenjska Banka's mortgage loans rose 11.1% to EUR 98.8 mil in 2017
Gorenjska Banka's consumer loans rose 34.8% to EUR 131 mil in 2017
Gorenjska Banka's customer deposits rose 20.5% to EUR 1,477 mil in 2017
Gorenjska Banka's retail deposits rose 5.99% to EUR 931 mil in 2017
Gorenjska Banka's npls (as % of loans) fell 27.8% to 15.2% in 2017
Gorenjska Banka's net interest margin rose 3.87% to 1.95% in 2017
Gorenjska Banka's corporate deposits rose 57.2% to EUR 545 mil in 2017
Gorenjska Banka's corporate loans rose 9.97% to EUR 709 mil in 2017
Gorenjska Banka's net profit rose 6.05% to EUR 6.97 mil in 2017
Gorenjska Banka's net profit rose 6.05% to EUR 6.97 mil in 2017