Intesa Sanpaolo Bank Slovenia

Intesa Slovenia's customer deposits rose 7.15% to EUR 1,972 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's customer deposits reached EUR 1,972 mil in 2017, up 7.15% compared to the previous year. Sloven...

Intesa Slovenia's net profit fell 79.2% to EUR 4.21 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia made a net profit of EUR 4.21 mil in 2017, down 79.2% compared to the previous year. This implies ...

Intesa Slovenia's retail deposits rose 3.90% to EUR 1,459 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's retail deposits reached EUR 1,459 mil in 2017, up 3.90% compared to the previous year. Slovenia...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 41.1 41.5 40.6
Fee Income (As % Of Revenues) % 36.0 29.0 35.6
Other Income EUR mil 5.86 21.7 4.76
Total Revenues EUR mil 73.4 89.0 70.4
Staff Cost EUR mil 28.5 28.0 28.5
Operating Profit EUR mil 30.3 44.1 24.9
Provisions EUR mil 16.1 21.1 19.9
Net Profit EUR mil 11.8 20.2 4.21
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 160 89.5 41.1
Customer Loans EUR mil 1,483 1,626 1,675
Debt Securities EUR mil 330 355 338
Total Assets EUR mil 2,272 2,326 2,398
Shareholders' Equity EUR mil 286 290 285
Interbank Borrowing EUR mil 172 150 82.2
Customer Deposits EUR mil 1,777 1,840 1,972
Issued Debt Securities EUR mil 22.7 0 0
Ratios 2015 2016 2017
ROE % 4.16 7.03 1.46
ROA % 0.517 0.880 0.178
Costs (As % Of Assets) % 1.89 1.95 1.93
Costs (As % Of Income) % 58.8 50.5 64.7
Capital Adequacy Ratio % 17.6 17.4 17.4
Net Interest Margin % 1.80 1.81 1.72
Loans (As % Of Deposits) % 83.4 88.4 85.0
NPLs (As % Of Loans) % 10.7 10.4 9.70
Provisions (As % Of NPLs) % 81.4 60.9 60.8
Growth Rates 2015 2016 2017
Total Revenue Growth % -8.16 21.2 -20.9
Operating Cost Growth % -5.42 4.12 1.37
Operating Profit Growth % -11.8 45.6 -43.6
Net Profit Growth % 67.5 70.9 -79.2
Customer Loan Growth % -6.87 9.69 2.99
Total Asset Growth % -1.42 2.34 3.12
Customer Deposit Growth % -1.23 3.56 7.15
Shareholders' Equity Growth % 0.928 1.54 -1.67
Employees 752 753 752

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summary Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income EUR mil         61.7 52.8 46.6 47.7 41.1    
Total Revenues EUR mil         89.7 79.1 71.2 80.0 73.4    
Operating Profit EUR mil         41.2 33.1 26.4 34.3 30.3    
Net Profit EUR mil         17.9 7.60 2.70 7.07 11.8    
balance sheet                      
Interbank Loans EUR mil         44.9 58.3 172 234 160    
Customer Loans EUR mil         2,005 2,044 1,749 1,592 1,483    
Debt Securities EUR mil         171 181 168 298 330    
Total Assets EUR mil         2,309 2,375 2,339 2,305 2,272    
Shareholders' Equity EUR mil         270 280 269 283 286    
Interbank Borrowing EUR mil         648 547 350 188 172    
Customer Deposits EUR mil         1,342 1,514 1,681 1,799 1,777    
Issued Debt Securities EUR mil         0 20.9 24.4 20.3 22.7    
ratios                      
ROE %         6.67 2.77 0.983 2.56 4.16    
ROA %         0.776 0.325 0.114 0.304 0.517    
Costs (As % Of Assets) %         2.10 1.96 1.90 1.97 1.89    
Costs (As % Of Income) %         54.0 58.1 63.0 57.1 58.8    
Capital Adequacy Ratio %         12.9 13.2 14.3 16.3 17.6    
Net Interest Margin %         2.67 2.25 1.98 2.06 1.80    
Interest Income (As % Of Revenues) %         68.8 66.8 65.4 59.7 56.0    
Fee Income (As % Of Revenues) %         30.5 32.0 34.3 32.7 36.0    
Staff Cost (As % Of Total Cost) %         58.8 59.9 61.3 61.3 66.0    
Equity (As % Of Assets) %         11.7 11.8 11.5 12.3 12.6    
Loans (As % Of Deposits) %         149 135 104 88.5 83.4    
Loans (As % Assets) %         86.8 86.0 74.8 69.1 65.2    
NPLs (As % Of Loans) %         10.7 8.42 9.55 13.4 10.7    
Provisions (As % Of NPLs) %         53.5 70.9 80.6 63.5 81.4    
income statement Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Interest Income EUR mil         89.5 83.4 74.8 69.1 53.4    
Interest Cost EUR mil         27.8 30.6 28.3 21.4 12.3    
Net Interest Income EUR mil         61.7 52.8 46.6 47.7 41.1    
Net Fee Income EUR mil         27.3 25.3 24.4 26.2 26.5    
Other Income EUR mil         0.638 0.972 0.232 6.03 5.86    
Total Revenues EUR mil         89.7 79.1 71.2 80.0 73.4    
Staff Cost EUR mil         28.5 27.5 27.5 28.0 28.5    
Depreciation EUR mil         5.48 5.62 5.01 5.35 5.42    
Other Cost EUR mil         14.5 12.8 12.3 12.3 9.27    
Operating Cost EUR mil         48.5 46.0 44.9 45.6 43.2    
Operating Profit EUR mil         41.2 33.1 26.4 34.3 30.3    
Provisions EUR mil         22.5 25.1 24.8 24.6 16.1    
Extra and Other Cost EUR mil         -3.51 -1.44 -1.39 1.49 0    
Pre-Tax Profit EUR mil         22.2 9.47 2.97 8.21 14.2    
Tax EUR mil         4.25 1.86 0.276 1.14 2.36    
Minorities EUR mil         0 0 0 0 0    
Net Profit EUR mil         17.9 7.60 2.70 7.07 11.8    
growth rates                      
Net Interest Income Growth % ...       4.29 -14.4 -11.8 2.54 -13.9    
Net Fee Income Growth % ...       8.52 -7.50 -3.43 7.21 1.08    
Total Revenue Growth % ...       5.51 -11.8 -9.93 12.3 -8.16    
Operating Cost Growth % ...       0.519 -5.15 -2.40 1.73 -5.42    
Operating Profit Growth % ...       12.1 -19.7 -20.4 30.2 -11.8    
Pre-Tax Profit Growth % ...       3.34 -57.3 -68.6 176 72.9    
Net Profit Growth % ...       2.50 -57.6 -64.5 162 67.5    
market share                      
Market Share in Revenues %         6.20 5.05 6.53 6.49 6.34    
Market Share in Net Profit %       ... ... ... ... ... 10.3    
Market Share in Employees % ...       6.65 6.70 6.73 7.02 7.20    
Market Share in Branches % ...       8.01 7.77 8.25 8.78 8.83    
balance sheet Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                      
Cash EUR mil         35.5 29.4 37.4 107 234    
Interbank Loans EUR mil         44.9 58.3 172 234 160    
Customer Loans EUR mil         2,005 2,044 1,749 1,592 1,483    
Retail Loans EUR mil         545 575 554 525 508    
Mortgage Loans EUR mil ... ... ... ... ... ... 362 352 359    
Consumer Loans EUR mil ... ... ... ... ... ... 192 173 149    
Corporate Loans EUR mil         1,378 1,388 1,258 1,145 1,042    
Debt Securities EUR mil         171 181 168 298 330    
Fixed Assets EUR mil         34.2 32.8 31.0 30.0 26.0    
Total Assets EUR mil         2,309 2,375 2,339 2,305 2,272    
Shareholders' Equity EUR mil         270 280 269 283 286    
Of Which Minority Interest EUR mil         0 0 0 0 0    
Liabilities EUR mil         2,039 2,096 2,070 2,022 1,987    
Interbank Borrowing EUR mil         648 547 350 188 172    
Customer Deposits EUR mil         1,342 1,514 1,681 1,799 1,777    
Retail Deposits EUR mil         1,019 1,053 1,090 1,181 1,227    
Corporate Deposits EUR mil         322 460 591 618 550    
Sight Deposits EUR mil ... ... ... ... ... ... 706 871 1,069    
Term Deposits EUR mil ... ... ... ... ... ... 975 928 707    
Issued Debt Securities EUR mil         0 20.9 24.4 20.3 22.7    
Other Liabilities EUR mil         49.8 13.8 14.5 14.6 15.1    
asset quality                      
Non-Performing Loans EUR mil         227 183 181 233 173    
Gross Loans EUR mil         2,127 2,173 1,895 1,740 1,624    
Total Provisions EUR mil         122 130 146 148 141    
growth rates                      
Customer Loan Growth % ...       0.355 1.92 -14.4 -8.98 -6.87    
Retail Loan Growth % ...       15.5 5.52 -3.72 -5.21 -3.29    
Mortgage Loan Growth % ... ... ... ... ... ... ... -2.75 1.85    
Consumer Loan Growth % ... ... ... ... ... ... ... -9.87 -13.8    
Corporate Loan Growth % ...       -4.08 0.720 -9.31 -9.01 -9.01    
Total Asset Growth % ...       -0.301 2.89 -1.53 -1.45 -1.42    
Shareholders' Equity Growth % ...       0.787 3.63 -3.73 5.17 0.928    
Customer Deposit Growth % ...       -2.00 12.8 11.0 7.02 -1.23    
Retail Deposit Growth % ...       0.180 3.34 3.48 8.36 3.88    
Corporate Deposit Growth % ...       -8.32 42.9 28.3 4.55 -11.0    
market share                      
Market Share in Customer Loans %         6.05 6.60 7.19 7.39 7.31    
Market Share in Corporate Loans %         7.52 8.44 10.9 12.5 12.7    
Market Share in Retail Loans % ... ... ... ... ... ... 6.06 5.79 5.13    
Market Share in Consumer Loans %         6.02 6.50 6.54 6.30 6.02    
Market Share in Mortgage Loans % ... ... ... ... ... ... 6.82 6.59 6.49    
Market Share in Total Assets %         4.69 5.15 5.80 5.95 6.08    
Market Share in Customer Deposits %         5.46 6.35 7.45 7.36 7.07    
Market Share in Retail Deposits %         6.86 7.10 7.59 7.83 7.88    
Market Share in Corporate Deposits % ...       8.00 12.5 14.1 13.2 11.8    
ratios Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                      
ROE %         6.67 2.77 0.983 2.56 4.16    
ROA %         0.776 0.325 0.114 0.304 0.517    
Costs (As % Of Assets) %         2.10 1.96 1.90 1.97 1.89    
Costs (As % Of Income) %         54.0 58.1 63.0 57.1 58.8    
Capital Adequacy Ratio %         12.9 13.2 14.3 16.3 17.6    
Net Interest Margin %         2.67 2.25 1.98 2.06 1.80    
Interest Spread % ...       2.51 2.08 1.82 1.93 1.72    
Asset Yield %         3.87 3.56 3.17 2.98 2.33    
Cost Of Liabilities % ...       1.36 1.48 1.36 1.05 0.613    
Interest Income (As % Of Revenues) %         68.8 66.8 65.4 59.7 56.0    
Fee Income (As % Of Revenues) %         30.5 32.0 34.3 32.7 36.0    
Other Income (As % Of Revenues) %         0.712 1.23 0.326 7.54 7.98    
Cost Per Employee USD per month ...       4,206 3,824 4,032 4,005 3,616    
Cost Per Employee (Local Currency) EUR per month ...       3,025 2,978 3,037 3,107 3,155    
Staff Cost (As % Of Total Cost) %         58.8 59.9 61.3 61.3 66.0    
Equity (As % Of Assets) %         11.7 11.8 11.5 12.3 12.6    
Loans (As % Of Deposits) %         149 135 104 88.5 83.4    
Loans (As % Assets) %         86.8 86.0 74.8 69.1 65.2    
NPLs (As % Of Loans) %         10.7 8.42 9.55 13.4 10.7    
Provisions (As % Of NPLs) %         53.5 70.9 80.6 63.5 81.4    
Provisions (As % Of Loans) %         6.07 6.35 8.34 9.30 9.50    
Cost of Provisions (As % Of Loans) %         1.13 1.24 1.31 1.47 1.05    
other data Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                      
Branches ...       55.0 54.0 52.0 52.0 52.0    
Employees ...       785 770 755 750 752    
Clients mil ... ... ... ... ... ... 0.160 ... ... ... ...
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... 42.0 48.4 60.2    

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Intesa Slovenia's net interest margin fell 4.78% to 1.72% in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's net interest margin amounted to 1.72% in 2017, down from 1.81% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.67% in 2011 and an all time low of 1.72% in 2017. Th...

Intesa Slovenia's total revenues fell 20.9% to EUR 70.4 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia generated total banking revenues of EUR 70.4 mil in 2017, down 20.9% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to th...

Intesa Slovenia's npls (as % of loans) fell 7.14% to 9.70% in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's non-performing loans reached 9.70% of total loans at the end of 2017, down from 10.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.4% in 2014 and an all time low of 2.92% in 2008. Prov...

Intesa Slovenia's mortgage loans rose 11.3% to EUR 425 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's mortgage loans reached EUR 425 mil in 2017, up 11.3% compared to the previous year. Slovenian banking sector provided mortgage loans of EUR 5.98 bil in 2017, up 4.53% when compared to the last year. Intesa Sanpaolo Bank Slo...

Intesa Slovenia's corporate loans fell 0.027% to EUR 1,129 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's corporate loans reached EUR 1,129 mil in 2017, down 0.027% compared to the previous year. Slovenian banking sector provided corporate loans of EUR 8.29 bil in 2017, up 2.22% when compared to the last year. Intesa Sanpaolo B...

Intesa Slovenia's employees fell 0.133% to 752 in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia employed 752 persons in 2017, down 0.133% when compared to the previous year. Historically, the bank's workforce hit an all time high of 838 persons in 2008 and an all time low of 750 in 2014. Average cost reached USD 3,546 per month ...

Intesa Slovenia's customer loans rose 2.99% to EUR 1,675 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's customer loans reached EUR 1,675 mil in 2017, up 2.99% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. Intesa Sanpaolo Bank S...

Intesa Slovenia's net interest income fell 2.18% to EUR 40.6 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia generated total banking revenues of EUR 70.4 mil in 2017, down 20.9% 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 EUR 96.3 mi...

Intesa Slovenia's costs (as % of assets) fell 1.32% to 1.93% in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's cost to income ratio reached 64.7% in 2017, up from 50.5% compared to the previous year. Historically, the bank’s costs reached an all time high of 64.7% of income in 2017 and an all time low of 50.5% in 2016. When compared ...

Intesa Slovenia's corporate deposits rose 17.6% to EUR 512 mil in 2017

By Helgi Analytics - September 22, 2018

Intesa Sanpaolo Bank Slovenia's corporate deposits reached EUR 512 mil in 2017, up 17.6% compared to the previous year. Slovenian banking sector accepted corporate deposits of EUR 6.37 bil in 2017, up 38.5% when compared to the last year. Intesa Sanpaolo ...

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Intesa Sanpaolo Bank Slovenia (formerly known as Banka Koper) is a Slovenia-based universal bank. The Bank with its subsidiaries is the fifth largest Slovenian banking and financial groups holding over 6% of the 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 52 branches and employed 755 persons in Slovenia. The Bank was founded in 1955 and is headquartered in Koper, Slovenia. Banka Koper d.d. is a subsidiary of Intesa Sanpaolo S.P.A.

Intesa Sanpaolo Bank Slovenia Logo

Finance

Intesa Sanpaolo Bank Slovenia has been growing its revenues and asset by -2.17% and 0.576% a year on average in the last 10 years. Its loans and deposits have grown by -0.212% and 4.68% a year during that time and loans to deposits ratio reached 85.0% at the end of 2017. The company achieved an average return on equity of 5.37% in the last decade with net profit growing -16.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.7% in 2017, compared to 58.2% average in the last decade.

Equity represented 11.9% of total assets or 17.0% of loans at the end of 2017. Intesa Sanpaolo Bank Slovenia's non-performing loans were 9.70% of total loans while provisions covered some 60.8% of NPLs at the end of 2017.