Idea Bank

Idea Bank's customer loans rose 49.7% to PLN 16,279 mil in 2017

By Helgi Analytics - May 22, 2018

Idea Bank's customer loans reached PLN 16,279 mil in 2017, up 49.7% compared to the previous year. Polish banking sector provid...

Idea Bank's npls (as % of loans) rose 1.45% to 7.98% in 2017

By Helgi Analytics - May 19, 2018

Idea Bank's non-performing loans reached 7.98% of total loans at the end of 2017, up from 7.86% compared to the previous year. ...

Idea Bank's customer deposits rose 16.0% to PLN 17,508 mil in 2017

By Helgi Analytics - May 22, 2018

Idea Bank's customer deposits reached PLN 17,508 mil in 2017, up 16.0% compared to the previous year. Polish banking sector acc...

Profit Statement 2015 2016 2017
Net Interest Income PLN mil 384 624 681
Fee Income (As % Of Revenues) % 49.0 29.4 27.0
Other Income PLN mil 20.3 196 161
Total Revenues PLN mil 792 1,162 1,154
Staff Cost PLN mil 227 233 232
Operating Profit PLN mil 105 451 321
Provisions PLN mil 163 170 290
Net Profit PLN mil 312 441 231
Balance Sheet 2015 2016 2017
Interbank Loans PLN mil 264 290 192
Customer Loans PLN mil 8,799 10,873 16,279
Debt Securities PLN mil 2,895 3,728 4,346
Total Assets PLN mil 18,858 21,517 23,954
Shareholders' Equity PLN mil 2,055 2,457 2,735
Interbank Borrowing PLN mil 529 2,126 1,990
Customer Deposits PLN mil 13,017 15,091 17,508
Issued Debt Securities PLN mil 669 482 522
Ratios 2015 2016 2017
ROE % 17.7 19.5 8.89
ROA % 1.84 2.18 1.02
Costs (As % Of Assets) % 3.04 2.68 2.39
Costs (As % Of Income) % 65.1 46.6 47.0
Capital Adequacy Ratio % 14.9 14.4 14.0
Net Interest Margin % 2.26 3.09 3.00
Loans (As % Of Deposits) % 67.6 72.1 93.0
NPLs (As % Of Loans) % 6.09 7.86 7.98
Provisions (As % Of NPLs) % 42.7 38.9 41.4
Growth Rates 2015 2016 2017
Total Revenue Growth % 1.51 46.7 -0.691
Operating Cost Growth % 12.9 4.87 0.360
Operating Profit Growth % -60.1 331 -28.9
Net Profit Growth % 29.4 41.3 -47.7
Customer Loan Growth % 28.5 23.6 49.7
Total Asset Growth % 25.2 14.1 11.3
Customer Deposit Growth % 19.6 15.9 16.0
Shareholders' Equity Growth % 39.2 19.6 11.3

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summary Unit 2012 2013 2014 2015 2016 2017
income statement            
Net Interest Income PLN mil 100 198 337 384    
Total Revenues PLN mil 246 465 780 792    
Operating Profit PLN mil -22.0 74.1 263 105    
Net Profit PLN mil 23.6 104 241 312    
balance sheet            
Interbank Loans PLN mil 228 99.5 511 264    
Customer Loans PLN mil 3,145 4,416 6,845 8,799    
Debt Securities PLN mil 651 968 2,139 2,895    
Total Assets PLN mil 5,201 7,393 15,064 18,858    
Shareholders' Equity PLN mil 676 771 1,476 2,055    
Interbank Borrowing PLN mil 358 634 660 529    
Customer Deposits PLN mil 3,890 5,498 10,881 13,017    
Issued Debt Securities PLN mil 136 248 1,055 669    
ratios            
ROE % 3.48 14.4 21.5 17.7    
ROA % 0.453 1.65 2.15 1.84    
Costs (As % Of Assets) % 5.03 5.26 4.07 3.04    
Costs (As % Of Income) % 106 71.2 58.6 65.1    
Capital Adequacy Ratio % 11.8 11.9 13.5 14.9    
Net Interest Margin % 1.92 3.15 3.00 2.26    
Interest Income (As % Of Revenues) % 40.6 42.7 43.2 48.5    
Fee Income (As % Of Revenues) % 58.0 52.6 41.3 49.0    
Staff Cost (As % Of Total Cost) % 48.5 47.1 45.3 44.0    
Equity (As % Of Assets) % 13.0 10.4 9.80 10.9    
Loans (As % Of Deposits) % 80.8 80.3 62.9 67.6    
Loans (As % Assets) % 60.5 59.7 45.4 46.7    
NPLs (As % Of Loans) % 3.46 5.88 6.91 6.09    
Provisions (As % Of NPLs) % 79.0 61.5 57.6 42.7    
valuation            
Number Of Shares (Average) mil 48.5 48.5 67.8 78.4    
Earnings Per Share (EPS) 0.486 2.15 3.56 3.98    
Book Value Per Share 14.0 15.9 21.8 26.2    
Earnings Per Share Growth % ... 342 65.6 11.9    
Book Value Per Share Growth % ... 14.0 36.8 20.4    
income statement Unit 2012 2013 2014 2015 2016 2017
income statement            
Interest Income PLN mil 288 457 689 803    
Interest Cost PLN mil 188 258 353 419    
Net Interest Income PLN mil 100 198 337 384    
Net Fee Income PLN mil 143 245 322 388    
Other Income PLN mil 3.30 22.1 121 20.3    
Total Revenues PLN mil 246 465 780 792    
Staff Cost PLN mil 127 156 207 227    
Depreciation PLN mil 19.6 34.3 39.2 49.1    
Other Cost PLN mil 115 141 211 240    
Operating Cost PLN mil 261 331 457 516    
Operating Profit PLN mil -22.0 74.1 263 105    
Provisions PLN mil 6.84 60.0 103 163    
Extra and Other Cost PLN mil -6.84 -60.0 -70.0 -163    
Pre-Tax Profit PLN mil -22.0 74.1 230 105    
Tax PLN mil -48.9 -30.1 15.5 -89.3    
Minorities PLN mil 3.28 0 0 0    
Net Profit PLN mil 23.6 104 241 312    
growth rates            
Net Interest Income Growth % ... 98.4 69.7 14.0    
Net Fee Income Growth % ... 71.1 31.7 20.4    
Total Revenue Growth % ... 88.9 67.8 1.51    
Operating Cost Growth % ... 26.6 38.0 12.9    
Operating Profit Growth % ... -436 254 -60.1    
Pre-Tax Profit Growth % ... -436 210 -54.4    
Net Profit Growth % ... 342 132 29.4    
market share            
Market Share in Revenues % 0.419 0.839 1.35 1.42    
Market Share in Net Profit % 0.152 0.686 1.52 2.79    
balance sheet Unit 2012 2013 2014 2015 2016 2017
balance sheet            
Cash PLN mil 91.4 170 436 600    
Interbank Loans PLN mil 228 99.5 511 264    
Customer Loans PLN mil 3,145 4,416 6,845 8,799    
Debt Securities PLN mil 651 968 2,139 2,895    
Fixed Assets PLN mil 286 319 1,046 778    
Total Assets PLN mil 5,201 7,393 15,064 18,858    
Shareholders' Equity PLN mil 676 771 1,476 2,055    
Of Which Minority Interest PLN mil 0 0 0 0    
Liabilities PLN mil 4,525 6,622 13,588 16,803    
Interbank Borrowing PLN mil 358 634 660 529    
Customer Deposits PLN mil 3,890 5,498 10,881 13,017    
Issued Debt Securities PLN mil 136 248 1,055 669    
Other Liabilities PLN mil 141 242 991 2,587    
asset quality            
Non-Performing Loans PLN mil 112 269 493 551    
Gross Loans PLN mil 3,233 4,582 7,129 9,034    
Total Provisions PLN mil 88.5 166 284 235    
growth rates            
Customer Loan Growth % ... 40.4 55.0 28.5    
Total Asset Growth % ... 42.1 104 25.2    
Shareholders' Equity Growth % ... 14.0 91.4 39.2    
Customer Deposit Growth % ... 41.3 97.9 19.6    
market share            
Market Share in Customer Loans % 0.336 0.454 0.659 0.796    
Market Share in Total Assets % 0.385 0.526 0.983 1.18    
Market Share in Customer Deposits % 0.419 0.562 1.04 1.17    
ratios Unit 2012 2013 2014 2015 2016 2017
ratios            
ROE % 3.48 14.4 21.5 17.7    
ROA % 0.453 1.65 2.15 1.84    
Costs (As % Of Assets) % 5.03 5.26 4.07 3.04    
Costs (As % Of Income) % 106 71.2 58.6 65.1    
Capital Adequacy Ratio % 11.8 11.9 13.5 14.9    
Tier 1 Ratio % 11.8 11.9 13.5 11.1    
Net Interest Margin % 1.92 3.15 3.00 2.26    
Interest Spread % ... 2.62 2.65 1.98    
Asset Yield % 5.53 7.25 6.14 4.74    
Cost Of Liabilities % ... 4.64 3.49 2.76    
Interest Income (As % Of Revenues) % 40.6 42.7 43.2 48.5    
Fee Income (As % Of Revenues) % 58.0 52.6 41.3 49.0    
Other Income (As % Of Revenues) % 1.34 4.76 15.5 2.56    
Staff Cost (As % Of Total Cost) % 48.5 47.1 45.3 44.0    
Equity (As % Of Assets) % 13.0 10.4 9.80 10.9    
Loans (As % Of Deposits) % 80.8 80.3 62.9 67.6    
Loans (As % Assets) % 60.5 59.7 45.4 46.7    
NPLs (As % Of Loans) % 3.46 5.88 6.91 6.09    
Provisions (As % Of NPLs) % 79.0 61.5 57.6 42.7    
Provisions (As % Of Loans) % 2.81 3.75 4.15 2.67    
Cost of Provisions (As % Of Loans) % 0.218 1.59 1.83 2.08    

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Idea Bank's total revenues fell 0.691% to PLN 1,154 mil in 2017

By Helgi Analytics - May 22, 2018

Idea Bank generated total banking revenues of PLN 1,154 mil in 2017, down 0.691% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. As ...

Idea Bank's net profit fell 47.7% to PLN 231 mil in 2017

By Helgi Analytics - May 19, 2018

Idea Bank made a net profit of PLN 231 mil in 2017, down 47.7% compared to the previous year. This implies a return on equity of 8.89%. Historically, the bank’s net profit reached an all time high of PLN 441 mil in 2016 and an all time low of PLN 23.6 mil i...

Idea Bank's net interest margin fell 3.04% to 3.00% in 2017

By Helgi Analytics - May 19, 2018

Idea Bank's net interest margin amounted to 3.00% in 2017, down from 3.09% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.15% in 2013 and an all time low of 2.26% in 2015. The average margin in ...

Idea Bank's capital adequacy ratio fell 2.78% to 14.0% in 2017

By Helgi Analytics - May 19, 2018

Idea Bank's capital adequacy ratio reached 14.0% at the end of 2017, down from 14.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 14.9% in 2015 and an all time low of 11.8% in 2012. The Tier 1 ratio amounted to...

Idea Bank's net interest income rose 9.20% to PLN 681 mil in 2017

By Helgi Analytics - May 19, 2018

Idea Bank generated total banking revenues of PLN 1,154 mil in 2017, down 0.691% 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 PLN 1,162 mil in 2016 and an ...

Idea Bank's customer loan growth rose 111% to 49.7% in 2017

By Helgi Analytics - May 19, 2018

Idea Bank's customer loan growth reached 49.7% in 2017, up from 23.6% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 55.0% in 2014 and an all time low of 23.6% in 2016. In the last decade, the average annu...

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Finance

Idea Bank has been growing its revenues and asset by 36.2% and 35.7% a year on average in the last 5 years. Its loans and deposits have grown by 38.9% and 35.1% a year during that time and loans to deposits ratio reached 93.0% at the end of 2017. The company achieved an average return on equity of 16.4% in the last five years with net profit growing 57.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.0% in 2017, compared to 57.7% average in the last five years.

Equity represented 11.4% of total assets or 16.8% of loans at the end of 2017. Idea Bank's non-performing loans were 7.98% of total loans while provisions covered some 41.4% of NPLs at the end of 2017.