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Istarska Kreditna Banka Umag

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