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Istarska Kreditna Banka Umag

Istarska Kreditna Banka Umag's customer deposits rose 5.52% to HRK 2,955 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's customer deposits reached HRK 2,955 mil in 2017, up 5.52% compared to the previous year. Croatia...

Istarska Kreditna Banka Umag's corporate deposits rose 62.8% to HRK 933 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's corporate deposits reached HRK 933 mil in 2017, up 62.8% compared to the previous year. Croatian...

Istarska Kreditna Banka Umag's net profit rose 27.3% to HRK 26.3 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag made a net profit of HRK 26.3 mil under revenues of HRK 126 mil in 2017, up 27.3% and 2.93% respectively...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 76.2 75.1 81.1
Net Fee Income HRK mil 26.3 27.2 27.3
Other Income HRK mil 54.3 20.1 17.5
Total Revenues HRK mil 157 122 126
Staff Cost HRK mil 38.9 39.3 39.4
Operating Profit HRK mil 87.1 47.5 51.9
Provisions HRK mil 72.3 20.9 20.0
Net Profit HRK mil 12.4 20.6 26.3
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 190 258 258
Customer Loans HRK mil 1,525 1,500 1,571
Total Assets HRK mil 3,090 3,212 3,368
Shareholders' Equity HRK mil 262 280 297
Interbank Borrowing HRK mil 101 73.4 55.5
Customer Deposits HRK mil 2,673 2,801 2,955
Issued Debt Securities HRK mil 42.7 42.4 42.2
Ratios 2015 2016 2017
ROE % 4.76 7.61 9.11
ROA % 0.414 0.655 0.799
Costs (As % Of Assets) % 2.32 2.37 2.25
Costs (As % Of Income) % 44.4 61.2 58.8
Capital Adequacy Ratio % 17.8 18.4 19.4
Net Interest Margin % 2.53 2.38 2.46
Loans (As % Of Deposits) % 57.1 53.6 53.2
NPLs (As % Of Loans) % 21.8 22.0 17.3
Provisions (As % Of NPLs) % 45.1 51.3 59.0
Growth Rates 2015 2016 2017
Total Revenue Growth % 50.7 -22.0 2.93
Operating Cost Growth % 2.94 7.37 -1.06
Operating Profit Growth % 140 -45.5 9.21
Net Profit Growth % 3.12 65.8 27.3
Customer Loan Growth % 1.54 -1.62 4.70
Total Asset Growth % 5.61 3.96 4.84
Customer Deposit Growth % 5.18 4.80 5.52
Shareholders' Equity Growth % 0.855 6.69 5.98
Employees 229 241 244

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summary Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                  
Net Interest Income HRK mil ... ... ... ... ...           70.5 62.4 63.0 61.5 76.2    
Total Revenues HRK mil ... ... ... ... ...           108 99.5 103 104 157    
Operating Profit HRK mil ... ... ... ... ...           38.3 31.6 36.9 36.3 87.1    
Net Profit HRK mil ... ... ... ... ...           18.7 17.2 12.8 12.1 12.4    
balance sheet                                  
Interbank Loans HRK mil ... ... ... ... ...           273 344 264 344 190    
Customer Loans HRK mil ... ... ... ... ...           1,451 1,466 1,469 1,502 1,525    
Debt Securities HRK mil ... ... ... ... ...           366 309 549 633 661    
Total Assets HRK mil                     2,531 2,671 2,805 2,926 3,090    
Shareholders' Equity HRK mil                     248 255 258 260 262    
Interbank Borrowing HRK mil ... ... ... ... ...           65.6 72.6 82.7 82.9 101    
Customer Deposits HRK mil ... ... ... ... ...           2,187 2,310 2,425 2,541 2,673    
Issued Debt Securities HRK mil ... ... ... ... ...           18.8 23.7 29.9 33.1 42.7    
ratios                                  
ROE % ... ... ... ... ...           7.67 6.85 5.00 4.65 4.76    
ROA % ... ... ... ... ...           0.758 0.663 0.469 0.421 0.414    
Costs (As % Of Assets) % ... ... ... ... ...           2.84 2.61 2.43 2.36 2.32    
Costs (As % Of Income) % ... ... ... ... ...           64.6 68.2 64.3 65.1 44.4    
Capital Adequacy Ratio %                     15.1 15.4 16.7 16.5 17.8    
Net Interest Margin % ... ... ... ... ...           2.85 2.40 2.30 2.15 2.53    
Interest Income (As % Of Revenues) % ... ... ... ... ...           65.0 62.8 60.9 59.2 48.6    
Fee Income (As % Of Revenues) % ... ... ... ... ...           18.7 21.5 22.3 23.4 16.8    
Staff Cost (As % Of Total Cost) % ... ... ... ... ...           52.2 56.6 56.4 55.6 55.8    
Equity (As % Of Assets) %                     9.81 9.55 9.22 8.89 8.49    
Loans (As % Of Deposits) % ... ... ... ... ...           66.4 63.5 60.6 59.1 57.1    
Loans (As % Assets) % ... ... ... ... ...           57.3 54.9 52.4 51.3 49.4    
NPLs (As % Of Loans) % ... ... ... ... ...           12.2 12.3 18.8 21.2 21.8    
Provisions (As % Of NPLs) % ... ... ... ... ...           39.9 43.3 35.6 36.2 45.1    
income statement Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                  
Interest Income HRK mil ... ... ... ... ...           126 124 124 119 125    
Interest Cost HRK mil ... ... ... ... ...           56.0 61.8 60.6 57.0 48.4    
Net Interest Income HRK mil ... ... ... ... ...           70.5 62.4 63.0 61.5 76.2    
Net Fee Income HRK mil ... ... ... ... ...           20.3 21.4 23.1 24.3 26.3    
Other Income HRK mil ... ... ... ... ...           17.7 15.7 17.3 18.2 54.3    
Total Revenues HRK mil ... ... ... ... ...           108 99.5 103 104 157    
Staff Cost HRK mil ... ... ... ... ...           36.6 38.4 37.5 37.7 38.9    
Depreciation HRK mil ... ... ... ... ...           5.51 5.83 5.63 5.49 5.32    
Other Cost HRK mil ... ... ... ... ...           28.0 23.6 23.4 24.6 25.5    
Operating Cost HRK mil ... ... ... ... ...           70.1 67.9 66.5 67.7 69.7    
Operating Profit HRK mil ... ... ... ... ...           38.3 31.6 36.9 36.3 87.1    
Provisions HRK mil ... ... ... ... ...           15.0 10.1 23.3 21.7 72.3    
Extra and Other Cost HRK mil ... ... ... ... ...           0 0 0 0 -0.681    
Pre-Tax Profit HRK mil ... ... ... ... ...           23.3 21.5 13.6 14.7 15.5    
Tax HRK mil ... ... ... ... ...           4.56 4.25 0.798 2.59 3.06    
Minorities HRK mil ... ... ... ... ...           0 0 0 0 0    
Net Profit HRK mil ... ... ... ... ...           18.7 17.2 12.8 12.1 12.4    
growth rates                                  
Net Interest Income Growth % ... ... ... ... ... ...         12.0 -11.4 0.907 -2.30 23.8    
Net Fee Income Growth % ... ... ... ... ... ...         5.51 5.50 8.13 5.31 7.96    
Total Revenue Growth % ... ... ... ... ... ...         7.51 -8.27 3.97 0.605 50.7    
Operating Cost Growth % ... ... ... ... ... ...         2.63 -3.18 -1.99 1.81 2.94    
Operating Profit Growth % ... ... ... ... ... ...         17.7 -17.6 16.8 -1.56 140    
Pre-Tax Profit Growth % ... ... ... ... ... ...         5.31 -7.71 -36.6 7.52 5.80    
Net Profit Growth % ... ... ... ... ... ...         5.02 -7.91 -25.6 -5.97 3.12    
market share                                  
Market Share in Revenues % ... ... ... ... ...           0.675 0.670 0.719 0.719 1.08    
Market Share in Net Profit % ... ... ... ... ...           0.495 0.633 2.71 0.875 ...    
Market Share in Employees % ... ... ... ... ...           1.03 1.08 1.05 1.08 1.09    
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                  
Cash HRK mil ... ... ... ... ...           374 489 427 381 638    
Interbank Loans HRK mil ... ... ... ... ...           273 344 264 344 190    
Customer Loans HRK mil ... ... ... ... ...           1,451 1,466 1,469 1,502 1,525    
Retail Loans HRK mil ... ... ... ... ...           546 552 571 578 562    
Mortgage Loans HRK mil ... ... ... ... ...           245 248 260 267 264    
Consumer Loans HRK mil ... ... ... ... ...           301 304 312 311 298    
Corporate Loans HRK mil ... ... ... ... ...           911 985 995 1,027 1,052    
Debt Securities HRK mil ... ... ... ... ...           366 309 549 633 661    
Fixed Assets HRK mil ... ... ... ... ...           54.0 53.0 51.3 49.4 45.8    
Total Assets HRK mil                     2,531 2,671 2,805 2,926 3,090    
Shareholders' Equity HRK mil                     248 255 258 260 262    
Of Which Minority Interest HRK mil ... ... ... ... ...           0 0 0 0 0    
Liabilities HRK mil                     2,282 2,416 2,546 2,666 2,828    
Interbank Borrowing HRK mil ... ... ... ... ...           65.6 72.6 82.7 82.9 101    
Customer Deposits HRK mil ... ... ... ... ...           2,187 2,310 2,425 2,541 2,673    
Retail Deposits HRK mil ... ... ... ... ...           1,834 1,937 2,014 2,072 2,143    
Corporate Deposits HRK mil ... ... ... ... ...           353 373 411 469 529    
Sight Deposits HRK mil ... ... ... ... ...           2,015 2,115 2,212 2,269 2,381    
Term Deposits HRK mil ... ... ... ... ...           172 195 213 272 291    
Issued Debt Securities HRK mil ... ... ... ... ...           18.8 23.7 29.9 33.1 42.7    
Other Liabilities HRK mil ... ... ... ... ...           11.0 9.98 8.60 8.73 11.7    
asset quality                                  
Non-Performing Loans HRK mil ... ... ... ... ...           186 191 296 345 370    
Gross Loans HRK mil ... ... ... ... ...           1,525 1,549 1,574 1,627 1,692    
Total Provisions HRK mil ... ... ... ... ...           74.1 82.5 105 125 167    
growth rates                                  
Customer Loan Growth % ... ... ... ... ... ...         8.17 1.03 0.158 2.28 1.54    
Retail Loan Growth % ... ... ... ... ... ...         1.39 1.13 3.47 1.11 -2.78    
Mortgage Loan Growth % ... ... ... ... ... ...         4.67 1.09 4.71 2.78 -1.11    
Consumer Loan Growth % ... ... ... ... ... ...         -1.14 1.17 2.46 -0.280 -4.22    
Corporate Loan Growth % ... ... ... ... ... ...         12.7 8.11 1.03 3.20 2.48    
Total Asset Growth % ...                   5.09 5.56 4.99 4.33 5.61    
Shareholders' Equity Growth % ...                   3.33 2.79 1.31 0.675 0.855    
Customer Deposit Growth % ... ... ... ... ... ...         4.85 5.62 4.98 4.79 5.18    
Retail Deposit Growth % ... ... ... ... ... ...         20.0 5.59 4.00 2.86 3.46    
Corporate Deposit Growth % ... ... ... ... ... ...         -36.8 5.76 10.1 14.2 12.8    
market share                                  
Market Share in Customer Loans % ... ... ... ... ...           0.576 0.620 0.627 0.654 0.685    
Market Share in Corporate Loans % ... ... ... ... ...           0.816 1.02 1.04 1.12 1.21    
Market Share in Retail Loans % ... ... ... ... ...           0.461 0.476 0.495 0.491 0.474    
Market Share in Consumer Loans % ... ... ... ... ...           0.426 0.437 0.462 0.472 0.466    
Market Share in Mortgage Loans % ... ... ... ... ...           0.390 0.398 0.428 0.453 0.458    
Market Share in Total Assets %                     0.607 0.651 0.676 0.698 0.742    
Market Share in Customer Deposits % ... ... ... ... ...           0.991 1.02 1.03 1.04 1.04    
Market Share in Retail Deposits % ... ... ... ... ...           1.08 1.09 1.12 1.13 1.14    
Market Share in Corporate Deposits % ... ... ... ... ...           0.733 0.829 0.970 1.07 0.997    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                  
ROE % ... ... ... ... ...           7.67 6.85 5.00 4.65 4.76    
ROA % ... ... ... ... ...           0.758 0.663 0.469 0.421 0.414    
Costs (As % Of Assets) % ... ... ... ... ...           2.84 2.61 2.43 2.36 2.32    
Costs (As % Of Income) % ... ... ... ... ...           64.6 68.2 64.3 65.1 44.4    
Capital Adequacy Ratio %                     15.1 15.4 16.7 16.5 17.8    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... 14.9 16.0    
Net Interest Margin % ... ... ... ... ...           2.85 2.40 2.30 2.15 2.53    
Interest Spread % ... ... ... ... ...           2.60 2.15 2.07 1.95 2.38    
Asset Yield % ... ... ... ... ...           5.12 4.78 4.51 4.14 4.14    
Cost Of Liabilities % ... ... ... ... ...           2.51 2.63 2.44 2.19 1.76    
Interest Income (As % Of Revenues) % ... ... ... ... ...           65.0 62.8 60.9 59.2 48.6    
Fee Income (As % Of Revenues) % ... ... ... ... ...           18.7 21.5 22.3 23.4 16.8    
Other Income (As % Of Revenues) % ... ... ... ... ...           16.3 15.7 16.7 17.5 34.7    
Cost Per Employee USD per month ... ... ... ... ...           2,524 2,349 2,402 2,321 2,123    
Cost Per Employee (Local Currency) HRK per month ... ... ... ... ...           13,501 13,744 13,710 13,765 14,142    
Staff Cost (As % Of Total Cost) % ... ... ... ... ...           52.2 56.6 56.4 55.6 55.8    
Equity (As % Of Assets) %                     9.81 9.55 9.22 8.89 8.49    
Loans (As % Of Deposits) % ... ... ... ... ...           66.4 63.5 60.6 59.1 57.1    
Loans (As % Assets) % ... ... ... ... ...           57.3 54.9 52.4 51.3 49.4    
NPLs (As % Of Loans) % ... ... ... ... ...           12.2 12.3 18.8 21.2 21.8    
Provisions (As % Of NPLs) % ... ... ... ... ...           39.9 43.3 35.6 36.2 45.1    
Provisions (As % Of Loans) % ... ... ... ... ...           5.11 5.62 7.16 8.32 10.9    
Cost of Provisions (As % Of Loans) % ... ... ... ... ...           1.08 0.693 1.59 1.46 4.78    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                  
Employees ... ... ... ... ...           226 233 228 228 229    
Sight (As % Of Customer Deposits) % ... ... ... ... ...           92.1 91.6 91.2 89.3 89.1    

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Istarska Kreditna Banka Umag's customer loans rose 4.70% to HRK 1,571 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's customer loans reached HRK 1,571 mil in 2017, up 4.70% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Istarska Kreditna Bank...

Istarska Kreditna Banka Umag's corporate loans fell 1.90% to HRK 1,157 mil in 2017

By Helgi Analytics - December 12, 2019

Istarska Kreditna Banka Umag's corporate loans reached HRK 1,157 mil in 2017, down 1.90% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. Istarska Kreditna Ba...

Istarska Kreditna Banka Umag's mortgage loans rose 0.819% to HRK 267 mil in 2017

By Helgi Analytics - November 29, 2018

Istarska Kreditna Banka Umag's mortgage loans reached HRK 267 mil in 2017, up 0.819% compared to the previous year. Croatian banking sector provided mortgage loans of HRK 50.7 bil in 2017, up 2.37% when compared to the last year. Istarska Kreditna Banka U...

Istarska Kreditna Banka Umag's npls (as % of loans) fell 21.4% to 17.3% in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's non-performing loans reached 17.3% of total loans at the end of 2017, down from 22.0% compared to the previous year. Historically, the NPL ratio hit an all time high of 22.0% in 2016 and an all time low of 2.01% in 2006. Provi...

Istarska Kreditna Banka Umag's total revenues rose 2.93% to HRK 126 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag generated total banking revenues of HRK 126 mil in 2017, up 2.93% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 16,001 mil in 2017, down 1.51% when compared to the la...

Istarska Kreditna Banka Umag's net interest margin rose 3.47% to 2.46% in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's net interest margin amounted to 2.46% in 2017, up from 2.38% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.71% in 2008 and an all time low of 2.15% in 2014. The a...

Istarska Kreditna Banka Umag's net interest income rose 8.03% to HRK 81.1 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag generated total banking revenues of HRK 126 mil in 2017, up 2.93% 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 HRK 157 mil in ...

Istarska Kreditna Banka Umag's retail deposits fell 9.23% to HRK 2,022 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's retail deposits reached HRK 2,022 mil in 2017, down 9.23% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Istarska Kreditna Ba...

Istarska Kreditna Banka Umag's consumer loans rose 5.62% to HRK 325 mil in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's consumer loans reached HRK 325 mil in 2017, up 5.62% compared to the previous year. Croatian banking sector provided consumer loans of HRK 64.2 bil in 2017, up 2.15% when compared to the last year. Istarska Kreditna Banka Um...

Istarska Kreditna Banka Umag's retail loan growth rose 69.0% to 3.40% in 2017

By Helgi Analytics - August 4, 2018

Istarska Kreditna Banka Umag's retail loans reached HRK 592 mil at the end of 2017, up 3.40% compared to the previous year. In the last decade, the average annual loan growth amounted to 0.502%. Overall, retail loans accounted for 37.7% of the bank's loan b...

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Finance

Istarska Kreditna Banka Umag has been growing its revenues and asset by 1.94% and 4.78% a year on average in the last 10 years. Its loans and deposits have grown by 3.16% and 4.56% a year during that time and loans to deposits ratio reached 53.2% at the end of 2017. The company achieved an average return on equity of 7.63% in the last decade with net profit growing -0.369% a year on average. In terms of operating efficiency, its cost to income ratio reached 58.8% in 2017, compared to 61.9% average in the last decade.

Equity represented 8.81% of total assets or 18.9% of loans at the end of 2017. Istarska Kreditna Banka Umag's non-performing loans were 17.3% of total loans while provisions covered some 59.0% of NPLs at the end of 2017.

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