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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 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

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income statement

Net Interest Income	HRK mil
Total Revenues	HRK mil
Operating Profit	HRK mil
Net Profit	HRK mil

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

balance sheet

Interbank Loans	HRK mil
Customer Loans	HRK mil
Debt Securities	HRK mil
Total Assets	HRK mil
Shareholders' Equity	HRK mil
Interbank Borrowing	HRK mil
Customer Deposits	HRK mil
Issued Debt Securities	HRK mil

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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

		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

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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

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Branches	%

								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

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balance sheet

Cash	HRK mil
Interbank Loans	HRK mil
Customer Loans	HRK mil
Retail Loans	HRK mil
Corporate Loans	HRK mil
Debt Securities	HRK mil
Fixed Assets	HRK mil
Total Assets	HRK mil
Shareholders' Equity	HRK mil
Of Which Minority Interest	HRK mil
Liabilities	HRK mil
Interbank Borrowing	HRK mil
Customer Deposits	HRK mil
Retail Deposits	HRK mil
Corporate Deposits	HRK mil
Sight Deposits	HRK mil
Term Deposits	HRK mil
Issued Debt Securities	HRK mil
Other Liabilities	HRK mil

								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

Non-Performing Loans	HRK mil
Gross Loans	HRK mil
Total Provisions	HRK mil

...	...	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

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Consumer Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

	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

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2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	HRK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

			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

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2017

other data

Branches
Employees
ATMs
Clients	mil
Payment Cards	'000
Credit Cards	'000
Sight (As % Of Customer Deposits)	%

...	...	...						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%	...	...

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Comparison of 27 Banks in Croatia

October 24, 2018

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

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

September 25, 2018

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,

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

April 14, 2016

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,

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 at a Glance

June 13, 2014

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

June 9, 2014

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

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What Banks in Croatia Were the Largest Lenders in 2016?

August 11, 2018

Based on a comparison of 23 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached HRK 80,746 mil, down 4.26% compared

Based on a comparison of 23 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

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

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

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.

What Banks in Croatia Had the Lowest Loan to Deposit Ratio in 2017?

August 11, 2018

Based on a comparison of 23 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%

Based on a comparison of 23 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.

What Banks in Croatia Had the Most Bad Loans in 2017?

August 11, 2018

Based on a comparison of 23 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,

Based on a comparison of 23 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.

What Banks in Croatia Had the Most Employees in 2017?

August 11, 2018

Based on a comparison of 23 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

Based on a comparison of 23 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 total revenues fell 0.663% to HRK 832 mil in 2017

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

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