Investbank

Investbank's total revenues rose 20.7% to BGN 59.2 mil in 2017

By Helgi Analytics - September 20, 2018

Investbank generated total banking revenues of BGN 59.2 mil in 2017, up 20.7% compared to the previous year. Bulgarian ban...

Investbank's customer deposits rose 3.71% to BGN 1,796 mil in 2017

By Helgi Analytics - September 3, 2018

Investbank's customer deposits reached BGN 1,796 mil in 2017, up 3.71% compared to the previous year. Bulgarian banking sector ...

Investbank's net profit fell 85.8% to BGN 0.229 mil in 2017

By Helgi Analytics - September 3, 2018

Investbank made a net profit of BGN 0.229 mil under revenues of BGN 59.2 mil in 2017, up -85.8% and 20.7% respectively compared to th...

Profit Statement 2015 2016 2017
Net Interest Income BGN mil 20.5 30.2 33.2
Fee Income (As % Of Revenues) % 59.6 45.8 41.1
Other Income BGN mil -4.23 -3.61 1.73
Total Revenues BGN mil 40.4 49.1 59.2
Operating Profit BGN mil 11.9 20.6 29.9
Provisions BGN mil 10.2 23.9 30.1
Net Profit BGN mil 1.95 1.62 0.229
Balance Sheet 2015 2016 2017
Customer Loans BGN mil 985 861 875
Debt Securities BGN mil 528 506 537
Total Assets BGN mil 1,953 1,917 1,982
Shareholders' Equity BGN mil 177 182 182
Interbank Borrowing BGN mil 0 0 0
Customer Deposits BGN mil 1,774 1,732 1,796
Issued Debt Securities BGN mil 0 0 0
Ratios 2015 2016 2017
ROE % 1.08 0.900 0.126
ROA % 0.101 0.083 0.012
Costs (As % Of Assets) % 1.47 1.47 1.51
Costs (As % Of Income) % 70.4 58.1 49.6
Net Interest Margin % 1.06 1.56 1.70
Loans (As % Of Deposits) % 55.5 49.7 48.7
Growth Rates 2015 2016 2017
Total Revenue Growth % 49.4 21.6 20.7
Operating Cost Growth % 2.79 0.419 2.89
Operating Profit Growth % -1,989 72.2 45.4
Net Profit Growth % 7.62 -17.1 -85.8
Customer Loan Growth % 6.68 -12.5 1.57
Total Asset Growth % 2.06 -1.88 3.42
Customer Deposit Growth % 2.66 -2.39 3.71
Shareholders' Equity Growth % -3.65 3.01 -0.203

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summary Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income BGN mil         18.8 14.1 3.85 7.15 20.5    
Total Revenues BGN mil         29.4 21.2 19.1 27.0 40.4    
Operating Profit BGN mil         1.92 -5.00 -7.97 -0.632 11.9    
Net Profit BGN mil         -4.99 -0.725 0.452 1.81 1.95    
balance sheet                      
Customer Loans BGN mil         736 812 782 923 985    
Debt Securities BGN mil         280 309 503 571 528    
Total Assets BGN mil         1,254 1,371 1,676 1,914 1,953    
Shareholders' Equity BGN mil         109 162 178 183 177    
Interbank Borrowing BGN mil         0 0 0 0 0    
Customer Deposits BGN mil         1,132 1,189 1,483 1,729 1,774    
Issued Debt Securities BGN mil         0 0 0 0 0    
ratios                      
ROE %         -4.53 -0.537 0.266 1.00 1.08    
ROA %         -0.407 -0.055 0.030 0.101 0.101    
Costs (As % Of Assets) %         2.24 2.00 1.78 1.54 1.47    
Costs (As % Of Income) %         93.5 124 142 102 70.4    
Net Interest Margin %         1.53 1.08 0.253 0.398 1.06    
Interest Income (As % Of Revenues) %         64.0 66.6 20.2 26.5 50.9    
Fee Income (As % Of Revenues) %         47.4 65.0 78.5 73.1 59.6    
Equity (As % Of Assets) %         8.66 11.8 10.6 9.59 9.05    
Loans (As % Of Deposits) %         65.0 68.3 52.7 53.4 55.5    
Loans (As % Assets) %         58.7 59.3 46.7 48.2 50.4    
income statement Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Interest Income BGN mil         74.7 68.1 59.6 67.1 70.6    
Interest Cost BGN mil         55.9 54.0 55.7 59.9 50.0    
Net Interest Income BGN mil         18.8 14.1 3.85 7.15 20.5    
Net Fee Income BGN mil         13.9 13.8 15.0 19.7 24.0    
Other Income BGN mil         -3.35 -6.70 0.256 0.118 -4.23    
Total Revenues BGN mil         29.4 21.2 19.1 27.0 40.4    
Depreciation BGN mil         2.81 2.69 3.32 2.15 1.79    
Operating Cost BGN mil         27.5 26.2 27.1 27.6 28.4    
Operating Profit BGN mil         1.92 -5.00 -7.97 -0.632 11.9    
Provisions BGN mil         7.31 -4.58 -3.71 11.9 10.2    
Extra and Other Cost BGN mil         -0.393 0.304 -4.72 -14.3 -0.185    
Pre-Tax Profit BGN mil         -4.99 -0.725 0.452 1.81 1.95    
Tax BGN mil         0 0 0 0 0    
Minorities BGN mil         0 0 0 0 0    
Net Profit BGN mil         -4.99 -0.725 0.452 1.81 1.95    
growth rates                      
Net Interest Income Growth % ...       -33.4 -24.9 -72.7 85.6 187    
Net Fee Income Growth % ...       7.52 -1.16 8.59 31.9 21.7    
Total Revenue Growth % ...       -18.6 -27.9 -10.1 41.6 49.4    
Operating Cost Growth % ...       0.747 -4.64 3.17 2.18 2.79    
Operating Profit Growth % ...       -78.3 -360 59.6 -92.1 -1,989    
Pre-Tax Profit Growth % ...       -386 -85.5 -162 300 7.62    
Net Profit Growth % ...       -386 -85.5 -162 300 7.62    
market share                      
Market Share in Revenues %         0.749 0.556 0.515 0.692 0.978    
Market Share in Net Profit %         ... ... 0.090 0.255 0.217    
balance sheet Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                      
Cash BGN mil         161 150 203 298 289    
Customer Loans BGN mil         736 812 782 923 985    
Debt Securities BGN mil         280 309 503 571 528    
Fixed Assets BGN mil         13.6 54.5 91.4 42.4 42.2    
Total Assets BGN mil         1,254 1,371 1,676 1,914 1,953    
Shareholders' Equity BGN mil         109 162 178 183 177    
Of Which Minority Interest BGN mil         0 0 0 0 0    
Liabilities BGN mil         1,145 1,209 1,498 1,730 1,776    
Interbank Borrowing BGN mil         0 0 0 0 0    
Customer Deposits BGN mil         1,132 1,189 1,483 1,729 1,774    
Issued Debt Securities BGN mil         0 0 0 0 0    
Other Liabilities BGN mil         13.3 19.5 15.3 1.70 1.92    
growth rates                      
Customer Loan Growth % ...       -5.68 10.4 -3.72 18.0 6.68    
Total Asset Growth % ...       4.30 9.33 22.3 14.2 2.06    
Shareholders' Equity Growth % ...       -2.97 48.8 10.2 3.09 -3.65    
Customer Deposit Growth % ...       5.01 5.10 24.7 16.5 2.66    
market share                      
Market Share in Customer Loans %         1.36 1.46 1.40 1.79 1.94    
Market Share in Total Assets %         2.09 2.12 2.40 2.73 2.57    
Market Share in Customer Deposits %         2.12 2.05 2.36 2.69 2.65    
ratios Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                      
ROE %         -4.53 -0.537 0.266 1.00 1.08    
ROA %         -0.407 -0.055 0.030 0.101 0.101    
Costs (As % Of Assets) %         2.24 2.00 1.78 1.54 1.47    
Costs (As % Of Income) %         93.5 124 142 102 70.4    
Net Interest Margin %         1.53 1.08 0.253 0.398 1.06    
Interest Spread % ...       1.08 0.606 -0.206 0.025 0.797    
Asset Yield %         6.08 5.19 3.91 3.74 3.65    
Cost Of Liabilities % ...       5.00 4.58 4.12 3.71 2.85    
Interest Income (As % Of Revenues) %         64.0 66.6 20.2 26.5 50.9    
Fee Income (As % Of Revenues) %         47.4 65.0 78.5 73.1 59.6    
Other Income (As % Of Revenues) %         -11.4 -31.6 1.34 0.437 -10.5    
Equity (As % Of Assets) %         8.66 11.8 10.6 9.59 9.05    
Loans (As % Of Deposits) %         65.0 68.3 52.7 53.4 55.5    
Loans (As % Assets) %         58.7 59.3 46.7 48.2 50.4    
Cost of Provisions (As % Of Loans) %         0.964 -0.591 -0.465 1.39 1.07    

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Investbank's customer loans rose 1.57% to BGN 875 mil in 2017

By Helgi Analytics - September 3, 2018

Investbank's customer loans reached BGN 875 mil in 2017, up 1.57% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. Investbank accounted for 1.47% of all custo...

Investbank's net interest margin rose 8.88% to 1.70% in 2017

By Helgi Analytics - September 3, 2018

Investbank's net interest margin amounted to 1.70% in 2017, up from 1.56% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.36% in 2009 and an all time low of 0.253% in 2013. The average margin in ...

Investbank's net interest income rose 9.69% to BGN 33.2 mil in 2017

By Helgi Analytics - September 3, 2018

Investbank generated total banking revenues of BGN 59.2 mil in 2017, up 20.7% 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 BGN 59.2 mil in 2017 and an all ...

Investbank's customer loan growth rose 112% to 1.57% in 2017

By Helgi Analytics - September 3, 2018

Investbank's customer loan growth reached 1.57% in 2017, up from -12.5% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 18.0% in 2014 and an all time low of -12.5% in 2016. In the last decade, the average a...

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Finance

Investbank has been growing its revenues and asset by 29.9% and 1.17% a year on average in the last 3 years. Its loans and deposits have grown by -1.77% and 1.29% a year during that time and loans to deposits ratio reached 48.7% at the end of 2017. The company achieved an average return on equity of 0.702% in the last three years with net profit growing -49.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.6% in 2017, compared to 59.4% average in the last three years.

Equity represented 9.17% of total assets or of loans at the end of 2017. Investbank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.