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J&T Banka Croatia

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J&T Banka Croatia

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summary Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

... ...           48.4 31.0 30.5 14.8 27.6    
... ...           62.7 40.9 33.0 31.5 42.4    
... ...           9.67 -7.91 -11.5 -14.4 -8.97    
... ...           -13.5 -12.7 -109 -11.9 -50.5    

balance sheet

... ...           19.4 43.2 50.2 190 240    
... ...           793 723 676 654 876    
... ...           235 216 249 222 251    
              1,236 1,204 1,218 1,346 1,655    
              129 127 62.3 124 177    
... ...           0.000 0.000 0.000 0.000 0.000    
... ...           863 863 988 1,146 1,385    
... ...           233 201 154 64.4 77.8    

ratios

... ...           -9.74% -9.91% -116% -12.8% -33.6%    
... ...           -1.01% -1.04% -9.04% -0.929% -3.36%    
... ...           3.99% 4.00% 3.68% 3.58% 3.43%    
... ...           84.6% 119% 135% 146% 121%    
              12.4% 12.2% 6.50% 14.1% 16.1%    
... ...           3.64% 2.54% 2.52% 1.15% 1.84%    
... ...           77.2% 75.7% 92.2% 47.0% 65.0%    
... ...           7.12% 11.0% 14.0% 17.1% 11.4%    
... ...           49.1% 49.3% 50.1% 47.2% 45.3%    
              10.5% 10.5% 5.11% 9.19% 10.7%    
... ...           91.8% 83.7% 68.4% 57.1% 63.2%    
... ...           64.1% 60.0% 55.5% 48.6% 52.9%    
... ... ... ... ... ... ... ... 30.6% 32.7% 33.9% 20.6%    
... ... ... ... ... ... ... ... 22.5% 48.8% 50.6% 66.1%    

Download Data
income statement Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income HRK mil
Interest Cost HRK mil
Net Interest Income HRK mil
Net Fee Income HRK mil
Other Income HRK mil
Total Revenues HRK mil
Staff Cost HRK mil
Depreciation HRK mil
Other Cost HRK mil
Operating Cost HRK mil
Operating Profit HRK mil
Provisions HRK mil
Extra and Other Cost HRK mil
Pre-Tax Profit HRK mil
Tax HRK mil
Minorities HRK mil
Net Profit HRK mil
... ...           97.8 73.1 72.6 57.6 68.9    
... ...           49.4 42.1 42.1 42.8 41.3    
... ...           48.4 31.0 30.5 14.8 27.6    
... ...           4.46 4.51 4.61 5.38 4.82    
... ...           9.81 5.42 -2.05 11.3 10.0    
... ...           62.7 40.9 33.0 31.5 42.4    
... ...           26.0 24.1 22.3 21.7 23.3    
... ...           5.13 4.67 4.07 3.43 4.75    
... ...           21.9 20.1 18.2 20.8 23.4    
... ...           53.0 48.8 44.6 45.9 51.4    
... ...           9.67 -7.91 -11.5 -14.4 -8.97    
... ...           25.7 4.79 97.9 2.57 41.5    
... ...           -2.59 0.041 < 0.001 -5.08 -0.001    
              -13.5 -12.7 -109 -11.9 -50.5    
... ...           0.000 0.000 0.000 0.000 0.000    
... ...           0.000 0.000 0.000 0.000 0.000    
... ...           -13.5 -12.7 -109 -11.9 -50.5    

growth rates

... ... ...         1.08% -36.0% -1.71% -51.4% 86.6%    
... ... ...         6.59% 1.05% 2.24% 16.6% -10.4%    
... ... ...         0.018% -34.7% -19.3% -4.61% 34.7%    
... ... ...         -1.04% -7.91% -8.78% 3.10% 11.9%    
... ... ...         6.25% -182% 45.6% 25.2% -37.8%    
...             342% -5.33% 759% -89.1% 324%    
... ... ...         342% -5.63% 762% -89.1% 324%    

market share

... ...           0.390% 0.276% 0.230% 0.218% 0.292%    
... ...     ...   ... ... ... ... ... ... ... ...
... ...           0.777% 0.753% 0.654% 0.675% 0.708%    

Download Data
balance sheet Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

... ...           131 144 157 191 198    
... ...           19.4 43.2 50.2 190 240    
... ...           793 723 676 654 876    
... ...           198 170 157 160 172    
... ...           644 583 610 592 809    
... ...           235 216 249 222 251    
... ...           44.2 47.5 48.1 60.0 74.7    
              1,236 1,204 1,218 1,346 1,655    
              129 127 62.3 124 177    
... ...           0.000 0.000 0.000 0.000 0.000    
              1,107 1,077 1,155 1,222 1,478    
... ...           0.000 0.000 0.000 0.000 0.000    
... ...           863 863 988 1,146 1,385    
... ...           646 702 858 977 1,138    
... ...           218 161 130 169 247    
... ... ... ...       74.0 63.4 78.6 116 110    
... ... ... ...       789 800 909 1,030 1,275    
... ...           233 201 154 64.4 77.8    
... ...           10.2 13.1 13.7 12.2 15.0    

asset quality

... ... ... ... ... ... ... ... 238 263 267 208    
... ...           863 776 804 789 1,013    
... ...           70.4 53.6 128 135 138    

growth rates

... ... ...         -10.4% -8.82% -6.52% -3.20% 33.9%    
... ... ...         -5.53% -14.4% -7.44% 2.00% 7.53%    
... ... ...         -8.63% -9.42% 4.66% -2.99% 36.6%    
...             -13.1% -2.59% 1.11% 10.5% 22.9%    
...             -12.0% -1.83% -50.9% 98.7% 42.8%    
... ... ...         -20.1% -0.029% 14.4% 16.0% 20.9%    
... ... ...         -17.3% 8.70% 22.2% 13.9% 16.5%    
... ... ...         -27.4% -25.9% -19.6% 30.2% 46.3%    

market share

... ...           0.315% 0.306% 0.289% 0.285% 0.394%    
... ...           0.577% 0.604% 0.639% 0.644% 0.927%    
... ...           0.155% 0.135% 0.127% 0.131% 0.143%    
              0.297% 0.293% 0.293% 0.321% 0.397%    
... ...           0.391% 0.380% 0.418% 0.469% 0.539%    
... ...           0.379% 0.395% 0.478% 0.534% 0.606%    
... ...           0.452% 0.358% 0.306% 0.386% 0.465%    

Download Data
ratios Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

... ...           -9.74% -9.91% -116% -12.8% -33.6%    
... ...           -1.01% -1.04% -9.04% -0.929% -3.36%    
... ...           3.99% 4.00% 3.68% 3.58% 3.43%    
... ...           84.6% 119% 135% 146% 121%    
              12.4% 12.2% 6.50% 14.1% 16.1%    
... ...           3.64% 2.54% 2.52% 1.15% 1.84%    
... ...           3.21% 2.14% 2.22% 0.894% 1.53%    
... ...           7.36% 5.99% 5.99% 4.49% 4.59%    
... ...           4.14% 3.85% 3.77% 3.60% 3.06%    
... ...           77.2% 75.7% 92.2% 47.0% 65.0%    
... ...           7.12% 11.0% 14.0% 17.1% 11.4%    
... ...           15.6% 13.2% -6.20% 36.0% 23.6%    
... ...           2,386 2,105 2,293 2,132 1,969    
... ...           12,761 12,320 13,088 12,645 13,117    
... ...           49.1% 49.3% 50.1% 47.2% 45.3%    
              10.5% 10.5% 5.11% 9.19% 10.7%    
... ...           91.8% 83.7% 68.4% 57.1% 63.2%    
... ...           64.1% 60.0% 55.5% 48.6% 52.9%    
... ... ... ... ... ... ... ... 30.6% 32.7% 33.9% 20.6%    
... ... ... ... ... ... ... ... 22.5% 48.8% 50.6% 66.1%    
... ...           8.89% 7.41% 18.9% 20.7% 15.7%    
... ...           3.07% 0.632% 14.0% 0.386% 5.43%    

Download Data
other data Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ...           170 163 142 143 148    
... ... ... ...       8.57% 7.34% 7.96% 10.1% 7.95%    

Download Data
J&T Banka Croatia in Numbers

This Annual statistical dossier offers a summary of J&T Banka Croatia's performance between 2004 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of J&T Banka Croatia's performance between 2004 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track J&T Banka Croatia's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 23 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.

Jadranska Banka's loan to deposit ratio reached 26.4%

Read more »

Based on a comparison of 23 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.

Jadranska Banka's loan to deposit ratio reached 26.4% at the end of 2017, down from 31.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 83.6% in 2009 and an all time low of 26.4% in 2017.

When compared to the nearest peers, PBZ Stambena Stedionica ended the year 2017 with loans to deposits at 46.8%, Istarska Kreditna Banka Umag with 53.2% and Croatia Banka some 55.1% of loans to deposits at the end of 2017.

Overall, total loans of the Croatian banking sector amounted to 78.0% of deposits at the end of 2017.

You can see all the banks loan to deposit ratio at Loans (As % Of Deposits) indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 23 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0% of total loans at the end of 2017,

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Based on a comparison of 23 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0% of total loans at the end of 2017, up from 33.0% when compared to the previous year. Historically, the NPL ratio hit an all time high of 56.9% in 2015 and an all time low of 2.45% in 2009.

Provision coverage amounted to 25.3% at the end of 2017, up from 18.7% compared to a year earlier.

When compared to the nearest peers, Imex Banka operated at the end of 2017 with NPL ratio of 25.3% and provision coverage of 62.9%, Podravska Banka with 23.5% and 54.9% and Croatia Banka had 23.1% of bad loans covered with 79.6% by provisions at the end of 2017.

Non-performing loans of the whole Croatia’s banking sector amounted to 11.3% of total loans in 2017, down from 13.8% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 23 banks in Croatia in 2016, PBZ Stambena Stedionica was paying its employees the best, followed by Privredna Banka Zagreb and Splitska Banka.

PBZ Stambena Stedionica employed 23.0 persons in 2016, up 4.55% when

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Based on a comparison of 23 banks in Croatia in 2016, PBZ Stambena Stedionica was paying its employees the best, followed by Privredna Banka Zagreb and Splitska Banka.

PBZ Stambena Stedionica employed 23.0 persons in 2016, up 4.55% when compared to the previous year. Historically, the bank's workforce hit an all time high of 23.0 persons in 2016 and an all time low of 21.0 in 2009.

Average cost reached HRK 19,156 per month per employee, 12.8% less than a year ago. This figure was HRK per month some 10 years ago.

Staff accounted for 40.1% of total operating expenditures in 2016.

When compared to bank's main peers, Privredna Banka Zagreb had 4,852 employees with average cost of HRK 18,566 per month per person, Splitska Banka operated with 1,380 people (and HRK 18,478 per month per employee) and Raiffeisen Stambena Stedionica had 43.0 employees in 2016 with cost of HRK 18,455 per month per head.

The average staff cost per employee reached HRK 15,227 per month in the Croatian banking sector in 2016.

You can see all the banks cost per employee data at Cost Per Employee indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 23 banks in Croatia in 2016, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Slatinska Banka.

Jadranska Banka's loan to deposit ratio reached 31.7% at the end

Read more »

Based on a comparison of 23 banks in Croatia in 2016, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Slatinska Banka.

Jadranska Banka's loan to deposit ratio reached 31.7% at the end of 2016, down from 53.3% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 83.6% in 2009 and an all time low of 31.7% in 2016.

When compared to the nearest peers, PBZ Stambena Stedionica ended the year 2016 with loans to deposits at 44.2%, Slatinska Banka with 49.0% and Istarska Kreditna Banka Umag some 53.6% of loans to deposits at the end of 2016.

Overall, total loans of the Croatian banking sector amounted to 80.6% of deposits at the end of 2016.

You can see all the banks loan to deposit ratio at Loans (As % Of Deposits) indicator page or you can download a report on the Croatian banks in the report section.

See all charts of the company »
J&T Banka Croatia's npls (as % of loans) rose 2.30% to 22.0% in 2017
J&T Banka Croatia's customer loans fell 20.2% to HRK 643 mil in 2017
J&T Banka Croatia's total revenues rose 28.9% to HRK 63.4 mil in 2017
J&T Banka Croatia's net profit fell 126% to HRK -29.1 mil in 2017
J&T Banka Croatia's net profit fell 126% to HRK -29.1 mil in 2017
J&T Banka Croatia's net interest margin rose 37.0% to 2.86% in 2017
J&T Banka Croatia's customer deposits fell 24.2% to HRK 940 mil in 2017
J&T Banka Croatia's retail deposits fell 32.3% to HRK 622 mil in 2017
J&T Banka Croatia's corporate loans fell 15.3% to HRK 696 mil in 2017
J&T Banka Croatia's corporate deposits fell 0.992% to HRK 317 mil in 2017