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Hrvatska Postanska Banka

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Hrvatska Postanska Banka

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

Read more »
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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summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                492 480 463 517 514    
                727 757 718 773 796    
                211 275 259 307 322    
                86.0 102 35.7 -629 125    

balance sheet

                1,308 755 523 584 262    
                9,709 10,770 11,754 10,474 10,298    
                2,614 2,661 2,925 3,567 3,821    
                16,692 17,266 18,598 17,570 18,014    
                1,243 1,411 1,445 843 1,779    
                63.6 510 741 375 358    
                12,924 13,125 14,361 14,085 14,494    
                1,851 1,534 1,485 1,508 1,005    

ratios

                7.07% 7.70% 2.50% -55.0% 9.52%    
                0.543% 0.602% 0.199% -3.48% 0.701%    
                3.26% 2.84% 2.56% 2.58% 2.66%    
                71.0% 63.6% 63.9% 60.4% 59.5%    
                14.3% 14.9% 13.5% 6.65% 15.9%    
                3.11% 2.83% 2.58% 2.86% 2.89%    
                67.7% 63.4% 64.4% 66.8% 64.6%    
                26.8% 24.3% 26.9% 24.0% 24.2%    
                40.4% 39.6% 40.6% 39.8% 39.7%    
                7.45% 8.17% 7.77% 4.80% 9.87%    
                75.1% 82.1% 81.8% 74.4% 71.1%    
                58.2% 62.4% 63.2% 59.6% 57.2%    
... ...             23.9% 23.6% 23.3% 25.8% 26.2%    
... ...             37.9% 39.5% 42.8% 62.7% 65.8%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income HRK mil
Interest Cost HRK mil
Net Interest Income HRK mil
Net Fee Income HRK mil
Other Income HRK mil
Total Revenues HRK mil
Staff Cost HRK mil
Depreciation HRK mil
Other Cost HRK mil
Operating Cost HRK mil
Operating Profit HRK mil
Provisions HRK mil
Extra and Other Cost HRK mil
Pre-Tax Profit HRK mil
Tax HRK mil
Minorities HRK mil
Net Profit HRK mil
                877 895 848 872 793    
                385 416 385 356 278    
                492 480 463 517 514    
                195 184 193 186 193    
                40.1 93.3 62.3 70.9 88.6    
                727 757 718 773 796    
                209 191 186 186 188    
                62.4 59.0 53.0 53.6 46.1    
                245 232 220 227 239    
                516 482 459 467 474    
                211 275 259 307 322    
                134 174 223 937 194    
                -3.59 0.000 < 0.001 0.000 0.000    
                80.4 102 36.4 -630 129    
                5.37 -0.299 0.630 0.972 3.90    
                0.000 0.000 0.000 0.000 0.000    
                86.0 102 35.7 -629 125    

growth rates

...               24.0% -2.57% -3.53% 11.7% -0.482%    
...               -8.38% -5.35% 4.84% -3.83% 3.96%    
...               5.30% 4.15% -5.15% 7.69% 2.92%    
...               4.43% -6.73% -4.72% 1.72% 1.45%    
...               7.51% 30.8% -5.90% 18.3% 5.16%    
...               38.3% 26.8% -64.3% -1,833% -120%    
...               65.4% 18.8% -65.0% -1,861% -120%    

market share

                4.52% 5.10% 4.99% 5.34% 5.47%    
            ...   2.27% 3.75% 7.54% ... ...    
... ... ...           5.07% 5.34% 5.13% 5.12% 5.10%    
... ... ... ... ... ... ... ... ... ... ... 7.74% 8.02%   ...
... ... ...           4.50% 4.78% 4.91% 5.03% 5.11%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                2,337 2,362 2,620 2,854 2,910    
                1,308 755 523 584 262    
                9,709 10,770 11,754 10,474 10,298    
                3,417 3,869 4,199 4,518 4,763    
                7,191 7,947 8,791 7,978 7,682    
                2,614 2,661 2,925 3,567 3,821    
                355 342 317 294 259    
                16,692 17,266 18,598 17,570 18,014    
                1,243 1,411 1,445 843 1,779    
                0.000 0.000 0.000 0.000 0.000    
                15,449 15,856 17,152 16,727 16,235    
                63.6 510 741 375 358    
                12,924 13,125 14,361 14,085 14,494    
                7,633 7,723 8,007 8,383 8,894    
                5,214 5,135 6,050 5,622 5,527    
... ... ... ... ... ... ... ... ... ... ... 5,534 6,103 ... ...
... ... ... ... ... ... ... ... ... ... ... 8,471 8,318 ... ...
                1,851 1,534 1,485 1,508 1,005    
                609 687 565 760 379    

asset quality

... ...             2,551 2,801 3,048 3,226 3,265    
                10,676 11,876 13,058 12,496 12,446    
                968 1,107 1,304 2,022 2,148    

growth rates

...               8.52% 10.9% 9.14% -10.9% -1.68%    
...               11.4% 13.2% 8.53% 7.58% 5.44%    
...               8.14% 10.5% 10.6% -9.24% -3.71%    
...               11.4% 3.44% 7.71% -5.53% 2.53%    
...               4.48% 13.5% 2.47% -41.7% 111%    
...               15.5% 1.55% 9.42% -1.93% 2.90%    
...               13.7% 1.17% 3.68% 4.69% 6.10%    
...               18.3% -1.52% 17.8% -7.06% -1.70%    

market share

                3.85% 4.56% 5.02% 4.56% 4.63%    
                6.44% 8.23% 9.20% 8.67% 8.80%    
                2.67% 3.06% 3.40% 3.69% 3.96%    
                4.01% 4.21% 4.48% 4.19% 4.33%    
                5.86% 5.78% 6.07% 5.77% 5.64%    
                4.48% 4.34% 4.46% 4.58% 4.74%    
...               10.8% 11.4% 14.3% 12.9% 10.4%    

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                7.07% 7.70% 2.50% -55.0% 9.52%    
                0.543% 0.602% 0.199% -3.48% 0.701%    
                3.26% 2.84% 2.56% 2.58% 2.66%    
                71.0% 63.6% 63.9% 60.4% 59.5%    
                14.3% 14.9% 13.5% 6.65% 15.9%    
                3.11% 2.83% 2.58% 2.86% 2.89%    
...               2.91% 2.62% 2.39% 2.73% 2.77%    
                5.54% 5.27% 4.73% 4.82% 4.46%    
...               2.63% 2.66% 2.34% 2.10% 1.69%    
                67.7% 63.4% 64.4% 66.8% 64.6%    
                26.8% 24.3% 26.9% 24.0% 24.2%    
                5.52% 12.3% 8.68% 9.17% 11.1%    
... ... ...           2,934 2,350 2,441 2,410 2,206    
... ... ...           15,692 13,750 13,934 14,289 14,697    
                40.4% 39.6% 40.6% 39.8% 39.7%    
                7.45% 8.17% 7.77% 4.80% 9.87%    
                75.1% 82.1% 81.8% 74.4% 71.1%    
                58.2% 62.4% 63.2% 59.6% 57.2%    
... ...             23.9% 23.6% 23.3% 25.8% 26.2%    
... ...             37.9% 39.5% 42.8% 62.7% 65.8%    
                9.97% 10.3% 11.1% 19.3% 20.9%    
                1.43% 1.70% 1.98% 8.43% 1.86%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ...           57.0 60.0 60.0 60.0 60.0    
... ... ...           1,109 1,155 1,114 1,084 1,067    
... ... ...           302 317 344 360 367    
... ... ... ... ... ... ... ... ... ... 0.600 ... ... ... ...
... ... ... ... ... ... ... ... ... ... ... 659 690    
... ... ... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... 39.3% 42.1% ... ...

Download Data
Comparison of 27 Banks in Croatia

This Annual Statistical Dossier offers a comparison of 27 Croatian 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 27 Croatian 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.

Hrvatska Postanska Banka in Numbers

This Annual statistical dossier offers a summary of Hrvatska Postanska Banka's performance between 2003 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,

Read more »

This Annual statistical dossier offers a summary of Hrvatska Postanska Banka's performance between 2003 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 HPB'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.

Hrvatska Postanska Banka in Numbers

This Statistical Dossier offers a summary of Hrvatska poštanska banka's performance between 2003 and 2015 on an annual basis. The report can be downloaded in Excel file format.

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

Read more »

This Statistical Dossier offers a summary of Hrvatska poštanska banka's performance between 2003 and 2015 on an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, 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 businesses such as its loan portfolio.

If you are only interested in specific areas of the Bank's business, you find and download them at the Bank's Corporate Profile.

If you want to see more reports about the Bank, please, go to the Bank's Reports Page.

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.

Hrvatska poštanska banka at a Glance

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

Read more »

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.

This report offers a summary of the bank's performance in 2003-2013. 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 Croatia

Hrvatska poštanska banka in Numbers

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

Read more »

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.

This excel file offers a summary of the bank's performance in 2003-2013. 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 Croatia

Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to

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Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to the previous year. Historically, the bank’s loans reached an all time high of 84,340 in 2015 and an all time low of 14,598 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb customer loans amounted to 65,177, Erste & Steiermarkische Bank operated with 43,656 loans and Raiffeisenbank Croatia had a loan portfolio of 18,504.

Croatian banking sector provided total customer loans of CZK 215 bil in 2016, down 3.47% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 37.6% of the sector’s loans in 2016. The top 3 companies held a 88.3% share while the five largest firms some 104% in 2016.

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

Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.

Jadranska Banka's loan to deposit ratio reached 26.4

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Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.

Jadranska Banka's loan to deposit ratio reached 26.4 at the end of 2017, down from 31.7 when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 83.6 in 2009 and an all time low of 26.4 in 2017.

Comparing Jadranska Banka with its closest peers, PBZ Stambena Stedionica ended the year 2017 with loans to deposits at 46.8, Istarska Kreditna Banka Umag with 53.2 and Croatia Banka some 55.1 of loans to deposits at the end of 2017.

Overall, total loans of the Croatian banking sector amounted to 78.0% of deposits at the end of 2017.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0 of total loans at the end of 2017,

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Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0 of total loans at the end of 2017, up from 33.0 when compared to the previous year. Historically, the NPL ratio hit an all time high of 56.9 in 2015 and an all time low of 2.45 in 2009.

Provision coverage amounted to 25.3 at the end of 2017, up from 18.7 compared to a year earlier.

Comparing Jadranska Banka with its closest peers, Imex Banka operated at the end of 2017 with NPL ratio of 25.3 and provision coverage of 62.9, Podravska Banka with 23.5 and 54.9 and Croatia Banka had 23.1 of bad loans covered with 79.6 by provisions at the end of 2017.

Non-performing loans of the whole Croatia’s banking sector amounted to 11.2 of total loans in 2017, down from 13.6 when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 6,686 persons in 2010 and an all time low of 5,424 in 2017.

Average cost reached HRK 17,315 per month per month per employee, 3.23% more than a year ago. This figure was HRK 13,990 per month some 10 years ago.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb had 4,922 employees with average cost of HRK 18,658 per month per person, Erste & Steiermarkische Bank operated with 3,170 people (and HRK 17,561 per month per employee) and Raiffeisenbank Croatia had 2,261 employees in 2017 with cost HRK 2,261 per month per head.

Croatian banking sector employed 20,434 people in 2017. The average staff cost per employee reached HRK 15,871 per month.

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

See all charts of the company »
HPB's customer loans fell 3.57% to HRK 11,141 mil in 2017
HPB's customer deposits rose 4.89% to HRK 16,808 mil in 2017
HPB's total revenues fell 0.663% to HRK 832 mil in 2017
HPB's corporate deposits rose 10.1% to HRK 7,366 mil in 2017
HPB's retail deposits rose 1.15% to HRK 9,442 mil in 2017
HPB's net profit fell 95.7% to HRK 7.90 mil in 2017
HPB's costs (as % of assets) fell 4.18% to 2.31% in 2017
HPB's npls (as % of loans) fell 10.8% to 16.3% in 2017
HPB's net profit fell 95.7% to HRK 7.90 mil in 2017
HPB's employees rose 5.15% to 1,122 in 2017