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Hrvatska Postanska Banka

HPB's customer deposits rose 4.89% to HRK 16,808 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka's customer deposits reached HRK 16,808 mil in 2017, up 4.89% compared to the previous year. Croatian b...

HPB's customer loans fell 3.57% to HRK 11,141 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka's customer loans reached HRK 11,141 mil in 2017, down 3.57% compared to the previous year. Croatian ba...

HPB's total revenues fell 0.663% to HRK 832 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka generated total banking revenues of HRK 832 mil in 2017, down 0.663% compared to the previous year. ...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 514 519 537
Fee Income (As % Of Revenues) % 24.2 23.7 24.9
Other Income HRK mil 88.6 120 88.1
Total Revenues HRK mil 796 838 832
Staff Cost HRK mil 188 186 186
Operating Profit HRK mil 322 383 373
Provisions HRK mil 194 227 360
Net Profit HRK mil 125 183 7.90
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 262 182 114
Customer Loans HRK mil 10,298 11,554 11,141
Debt Securities HRK mil 3,821 4,218 3,538
Total Assets HRK mil 18,014 19,686 20,048
Shareholders' Equity HRK mil 1,779 1,893 1,911
Interbank Borrowing HRK mil 358 509 400
Customer Deposits HRK mil 14,494 16,025 16,808
Issued Debt Securities HRK mil 1,005 727 673
Ratios 2015 2016 2017
ROE % 9.52 9.99 0.415
ROA % 0.701 0.973 0.040
Costs (As % Of Assets) % 2.66 2.41 2.31
Costs (As % Of Income) % 59.5 54.3 55.2
Capital Adequacy Ratio % 15.9 15.7 18.1
Net Interest Margin % 2.89 2.76 2.71
Loans (As % Of Deposits) % 71.1 72.1 66.3
NPLs (As % Of Loans) % 26.2 18.3 16.3
Provisions (As % Of NPLs) % 65.8 58.6 67.7
Growth Rates 2015 2016 2017
Total Revenue Growth % 2.92 5.28 -0.663
Operating Cost Growth % 1.45 -3.94 0.992
Operating Profit Growth % 5.16 18.8 -2.63
Net Profit Growth % -120 47.1 -95.7
Customer Loan Growth % -1.68 12.2 -3.57
Total Asset Growth % 2.53 9.28 1.84
Customer Deposit Growth % 2.90 10.6 4.89
Shareholders' Equity Growth % 111 6.44 0.919
Employees 1,067 1,067 1,122

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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 HRK mil                 492 480 463 517 514    
Total Revenues HRK mil                 727 757 718 773 796    
Operating Profit HRK mil                 211 275 259 307 322    
Net Profit HRK mil                 86.0 102 35.7 -629 125    
balance sheet                              
Interbank Loans HRK mil                 1,308 755 523 584 262    
Customer Loans HRK mil                 9,709 10,770 11,754 10,474 10,298    
Debt Securities HRK mil                 2,614 2,661 2,925 3,567 3,821    
Total Assets HRK mil                 16,692 17,266 18,598 17,570 18,014    
Shareholders' Equity HRK mil                 1,243 1,411 1,445 843 1,779    
Interbank Borrowing HRK mil                 63.6 510 741 375 358    
Customer Deposits HRK mil                 12,924 13,125 14,361 14,085 14,494    
Issued Debt Securities HRK mil                 1,851 1,534 1,485 1,508 1,005    
ratios                              
ROE %                 7.07 7.70 2.50 -55.0 9.52    
ROA %                 0.543 0.602 0.199 -3.48 0.701    
Costs (As % Of Assets) %                 3.26 2.84 2.56 2.58 2.66    
Costs (As % Of Income) %                 71.0 63.6 63.9 60.4 59.5    
Capital Adequacy Ratio %                 14.3 14.9 13.5 6.65 15.9    
Net Interest Margin %                 3.11 2.83 2.58 2.86 2.89    
Interest Income (As % Of Revenues) %                 67.7 63.4 64.4 66.8 64.6    
Fee Income (As % Of Revenues) %                 26.8 24.3 26.9 24.0 24.2    
Staff Cost (As % Of Total Cost) %                 40.4 39.6 40.6 39.8 39.7    
Equity (As % Of Assets) %                 7.45 8.17 7.77 4.80 9.87    
Loans (As % Of Deposits) %                 75.1 82.1 81.8 74.4 71.1    
Loans (As % Assets) %                 58.2 62.4 63.2 59.6 57.2    
NPLs (As % Of Loans) % ... ...             23.9 23.6 23.3 25.8 26.2    
Provisions (As % Of NPLs) % ... ...             37.9 39.5 42.8 62.7 65.8    
income statement Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                              
Interest Income HRK mil                 877 895 848 872 793    
Interest Cost HRK mil                 385 416 385 356 278    
Net Interest Income HRK mil                 492 480 463 517 514    
Net Fee Income HRK mil                 195 184 193 186 193    
Other Income HRK mil                 40.1 93.3 62.3 70.9 88.6    
Total Revenues HRK mil                 727 757 718 773 796    
Staff Cost HRK mil                 209 191 186 186 188    
Depreciation HRK mil                 62.4 59.0 53.0 53.6 46.1    
Other Cost HRK mil                 245 232 220 227 239    
Operating Cost HRK mil                 516 482 459 467 474    
Operating Profit HRK mil                 211 275 259 307 322    
Provisions HRK mil                 134 174 223 937 194    
Extra and Other Cost HRK mil                 -3.59 0 < 0.001 0 0    
Pre-Tax Profit HRK mil                 80.4 102 36.4 -630 129    
Tax HRK mil                 5.37 -0.299 0.630 0.972 3.90    
Minorities HRK mil                 0 0 0 0 0    
Net Profit HRK mil                 86.0 102 35.7 -629 125    
growth rates                              
Net Interest Income Growth % ...               24.0 -2.57 -3.53 11.7 -0.482    
Net Fee Income Growth % ...               -8.38 -5.35 4.84 -3.83 3.96    
Total Revenue Growth % ...               5.30 4.15 -5.15 7.69 2.92    
Operating Cost Growth % ...               4.43 -6.73 -4.72 1.72 1.45    
Operating Profit Growth % ...               7.51 30.8 -5.90 18.3 5.16    
Pre-Tax Profit Growth % ...               38.3 26.8 -64.3 -1,833 -120    
Net Profit Growth % ...               65.4 18.8 -65.0 -1,861 -120    
market share                              
Market Share in Revenues %                 4.52 5.10 4.99 5.34 5.47    
Market Share in Net Profit %             ...   2.27 3.75 7.54 ... ...    
Market Share in Employees % ... ... ...           5.07 5.34 5.13 5.12 5.10    
Market Share in Bank Cards % ... ... ... ... ... ... ... ... ... ... ... 7.74 8.02   ...
Market Share in Branches % ... ... ...           4.50 4.78 4.91 5.03 5.11    
balance sheet Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                              
Cash HRK mil                 2,337 2,362 2,620 2,854 2,910    
Interbank Loans HRK mil                 1,308 755 523 584 262    
Customer Loans HRK mil                 9,709 10,770 11,754 10,474 10,298    
Retail Loans HRK mil                 3,417 3,869 4,199 4,518 4,763    
Corporate Loans HRK mil                 7,191 7,947 8,791 7,978 7,682    
Debt Securities HRK mil                 2,614 2,661 2,925 3,567 3,821    
Fixed Assets HRK mil                 355 342 317 294 259    
Total Assets HRK mil                 16,692 17,266 18,598 17,570 18,014    
Shareholders' Equity HRK mil                 1,243 1,411 1,445 843 1,779    
Of Which Minority Interest HRK mil                 0 0 0 0 0    
Liabilities HRK mil                 15,449 15,856 17,152 16,727 16,235    
Interbank Borrowing HRK mil                 63.6 510 741 375 358    
Customer Deposits HRK mil                 12,924 13,125 14,361 14,085 14,494    
Retail Deposits HRK mil                 7,633 7,723 8,007 8,383 8,894    
Corporate Deposits HRK mil                 5,214 5,135 6,050 5,622 5,527    
Sight Deposits HRK mil ... ... ... ... ... ... ... ... ... ... ... 5,534 6,103 ... ...
Term Deposits HRK mil ... ... ... ... ... ... ... ... ... ... ... 8,471 8,318 ... ...
Issued Debt Securities HRK mil                 1,851 1,534 1,485 1,508 1,005    
Other Liabilities HRK mil                 609 687 565 760 379    
asset quality                              
Non-Performing Loans HRK mil ... ...             2,551 2,801 3,048 3,226 3,265    
Gross Loans HRK mil                 10,676 11,876 13,058 12,496 12,446    
Total Provisions HRK mil                 968 1,107 1,304 2,022 2,148    
growth rates                              
Customer Loan Growth % ...               8.52 10.9 9.14 -10.9 -1.68    
Retail Loan Growth % ...               11.4 13.2 8.53 7.58 5.44    
Corporate Loan Growth % ...               8.14 10.5 10.6 -9.24 -3.71    
Total Asset Growth % ...               11.4 3.44 7.71 -5.53 2.53    
Shareholders' Equity Growth % ...               4.48 13.5 2.47 -41.7 111    
Customer Deposit Growth % ...               15.5 1.55 9.42 -1.93 2.90    
Retail Deposit Growth % ...               13.7 1.17 3.68 4.69 6.10    
Corporate Deposit Growth % ...               18.3 -1.52 17.8 -7.06 -1.70    
market share                              
Market Share in Customer Loans %                 3.85 4.56 5.02 4.56 4.63    
Market Share in Corporate Loans %                 6.44 8.23 9.20 8.67 8.80    
Market Share in Consumer Loans %                 2.67 3.06 3.40 3.69 3.96    
Market Share in Total Assets %                 4.01 4.21 4.48 4.19 4.33    
Market Share in Customer Deposits %                 5.86 5.78 6.07 5.77 5.64    
Market Share in Retail Deposits %                 4.48 4.34 4.46 4.58 4.74    
Market Share in Corporate Deposits % ...               10.8 11.4 14.3 12.9 10.4    
ratios Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                              
ROE %                 7.07 7.70 2.50 -55.0 9.52    
ROA %                 0.543 0.602 0.199 -3.48 0.701    
Costs (As % Of Assets) %                 3.26 2.84 2.56 2.58 2.66    
Costs (As % Of Income) %                 71.0 63.6 63.9 60.4 59.5    
Capital Adequacy Ratio %                 14.3 14.9 13.5 6.65 15.9    
Net Interest Margin %                 3.11 2.83 2.58 2.86 2.89    
Interest Spread % ...               2.91 2.62 2.39 2.73 2.77    
Asset Yield %                 5.54 5.27 4.73 4.82 4.46    
Cost Of Liabilities % ...               2.63 2.66 2.34 2.10 1.69    
Interest Income (As % Of Revenues) %                 67.7 63.4 64.4 66.8 64.6    
Fee Income (As % Of Revenues) %                 26.8 24.3 26.9 24.0 24.2    
Other Income (As % Of Revenues) %                 5.52 12.3 8.68 9.17 11.1    
Cost Per Employee USD per month ... ... ...           2,934 2,350 2,441 2,410 2,206    
Cost Per Employee (Local Currency) HRK per month ... ... ...           15,692 13,750 13,934 14,289 14,697    
Staff Cost (As % Of Total Cost) %                 40.4 39.6 40.6 39.8 39.7    
Equity (As % Of Assets) %                 7.45 8.17 7.77 4.80 9.87    
Loans (As % Of Deposits) %                 75.1 82.1 81.8 74.4 71.1    
Loans (As % Assets) %                 58.2 62.4 63.2 59.6 57.2    
NPLs (As % Of Loans) % ... ...             23.9 23.6 23.3 25.8 26.2    
Provisions (As % Of NPLs) % ... ...             37.9 39.5 42.8 62.7 65.8    
Provisions (As % Of Loans) %                 9.97 10.3 11.1 19.3 20.9    
Cost of Provisions (As % Of Loans) %                 1.43 1.70 1.98 8.43 1.86    
other data Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                              
Branches ... ... ...           57.0 60.0 60.0 60.0 60.0    
Employees ... ... ...           1,109 1,155 1,114 1,084 1,067    
ATMs ... ... ...           302 317 344 360 367    
Clients mil ... ... ... ... ... ... ... ... ... ... 0.600 ... ... ... ...
Payment Cards '000 ... ... ... ... ... ... ... ... ... ... ... 659 690    
Credit Cards '000 ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... 39.3 42.1 ... ...

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HPB's retail deposits rose 1.15% to HRK 9,442 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka's retail deposits reached HRK 9,442 mil in 2017, up 1.15% 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. Hrvatska Postanska Banka a...

HPB's costs (as % of assets) fell 4.18% to 2.31% in 2017

By Helgi Analytics - August 10, 2018

Hrvatska Postanska Banka's cost to income ratio reached 55.2% in 2017, up from 54.3% compared to the previous year. Historically, the bank’s costs reached an all time high of 88.5% of income in 2009 and an all time low of 54.3% in 2016. When compared to to...

HPB's npls (as % of loans) fell 10.8% to 16.3% in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka's non-performing loans reached 16.3% of total loans at the end of 2017, down from 18.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 26.2% in 2015 and an all time low of 3.59% in 2006. Provision...

HPB's net profit fell 95.7% to HRK 7.90 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka made a net profit of HRK 7.90 mil in 2017, down 95.7% compared to the previous year. This implies a return on equity of 0.415%. Historically, the bank’s net profit reached an all time high of HRK 183 mil in 2016 and an all time low of ...

HPB's corporate deposits rose 10.1% to HRK 7,366 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka's corporate deposits reached HRK 7,366 mil in 2017, up 10.1% 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. Hrvatska Postanska B...

HPB's employees rose 5.15% to 1,122 in 2017

By Helgi Analytics - August 10, 2018

Hrvatska Postanska Banka employed 1,122 persons in 2017, up 5.15% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,155 persons in 2012 and an all time low of 601 in 2006. Average cost reached USD 2,054 per month per...

HPB's net interest margin fell 1.83% to 2.71% in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka's net interest margin amounted to 2.71% in 2017, down from 2.76% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.47% in 2004 and an all time low of 2.51% in 2009. The ave...

HPB's branches rose 1.64% to 62.0 in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka employed 1,122 persons in 2017, up 5.15% compared to the previous year. Historically, the bank's workforce hit an all time high of 1,155 persons in 2012 and an all time low of 601 in 2006. The bank operated a network of 62.0 branch...

HPB's net interest income rose 3.47% to HRK 537 mil in 2017

By Helgi Analytics - August 1, 2018

Hrvatska Postanska Banka generated total banking revenues of HRK 832 mil in 2017, down 0.663% 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 838 mil in 2...

HPB's corporate loans fell 9.90% to HRK 7,151 mil in 2017

By Helgi Analytics - December 12, 2019

Hrvatska Postanska Banka's corporate loans reached HRK 7,151 mil in 2017, down 9.90% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. Hrvatska Postanska Banka...

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Hrvatska poštanska banka (or Croatian Postal Bank) is the largest state-owned bank in Croatia. The Bank is the seventh largest bank in the country with a 4-5% market share by assets. The Bank was founded in 1991 by Hrvatska pošta, the Croatian national postal service, currently the second largest shareholder in the Bank. The Bank offers a typical range of banking services and products such as savings, foreign currency, and current accounts; cash, housing, tourist, mortgage, consumer, car, education, and revolving loans; debit and credit cards; safety deposit boxes; and Internet banking services for retail segment. It also provides banking services for small, medium and large enterprises as well as investment banking and treasury services, asset management, or leasing, for example.

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Finance

Hrvatska Postanska Banka has been growing its revenues and asset by 2.13% and 3.25% a year on average in the last 10 years. Its loans and deposits have grown by 4.34% and 5.08% a year during that time and loans to deposits ratio reached 66.3% at the end of 2017. The company achieved an average return on equity of -6.86% in the last decade with net profit growing -24.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 55.2% in 2017, compared to 66.4% average in the last decade.

Equity represented 9.53% of total assets or 17.2% of loans at the end of 2017. Hrvatska Postanska Banka's non-performing loans were 16.3% of total loans while provisions covered some 67.7% of NPLs at the end of 2017.

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