By Helgi Library - April 10, 2024
J&T Banka Croatia's non-performing loans reached 22.0% of total loans at the end of 2017, up from 21.5% compared to the previ...
By Helgi Library - April 10, 2024
J&T Banka Croatia's customer loans reached HRK 480 mil in 2020, up 7.12% compared to the previous year. Croatian banking se...
By Helgi Library - April 10, 2024
J&T Banka Croatia generated total banking revenues of HRK 25.6 mil in 2020, down 24.6% compared to the previous year. ...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | HRK mil | 16.7 | 22.9 | 14.1 |
| Net Fee Income | HRK mil | 4.52 | 2.62 | 4.52 |
| Other Income | HRK mil | 4.41 | 4.08 | 2.88 |
| Total Revenues | HRK mil | 25.6 | 29.6 | 21.5 |
| Staff Cost | HRK mil | 15.8 | 14.8 | 12.8 |
| Operating Profit | HRK mil | -7.78 | 2.00 | -2.97 |
| Provisions | HRK mil | 8.52 | 2.52 | 15.4 |
| Net Profit | HRK mil | -16.6 | 2.98 | -17.4 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | HRK mil | ... | ... | ... |
| Customer Loans | HRK mil | 480 | 388 | 284 |
| Investments | HRK mil | 260 | 175 | 118 |
| Total Assets | HRK mil | 1,047 | 813 | 664 |
| Shareholders' Equity | HRK mil | 114 | 115 | 98.3 |
| Interbank Borrowing | HRK mil | 0 | 0 | 0 |
| Customer Deposits | HRK mil | 899 | 678 | 551 |
| Issued Debt Securities | HRK mil | 0 | 0 | 0 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | -13.6 | 2.60 | -16.3 |
| ROA | % | -1.58 | 0.320 | -2.35 |
| Costs (As % Of Assets) | % | 3.18 | 2.96 | 3.32 |
| Costs (As % Of Income) | % | 130 | 93.2 | 114 |
| Capital Adequacy Ratio | % | ... | ... | 29.6 |
| Net Interest Margin | % | 1.59 | 2.46 | 1.91 |
| Loans (As % Of Deposits) | % | 53.4 | 57.3 | 51.5 |
| NPLs (As % Of Loans) | % | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | ... |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | -24.6 | 15.4 | -27.2 |
| Operating Cost Growth | % | -10.9 | -17.5 | -11.1 |
| Operating Profit Growth | % | 120 | -126 | -248 |
| Net Profit Growth | % | -922 | -118 | -684 |
| Customer Loan Growth | % | 7.12 | -19.1 | -27.0 |
| Total Asset Growth | % | -0.860 | -22.3 | -18.3 |
| Customer Deposit Growth | % | 1.22 | -24.6 | -18.7 |
| Shareholders' Equity Growth | % | -12.7 | 1.01 | -14.7 |
| Employees | ... | ... | ... | |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||
| Net Interest Income | HRK mil | 33.3 | 40.2 | ... | 18.9 | 16.7 | ||||||||||||
| Total Revenues | HRK mil | 49.2 | 63.4 | ... | 34.0 | 25.6 | ||||||||||||
| Operating Profit | HRK mil | 0.210 | 23.2 | ... | -3.54 | -7.78 | ||||||||||||
| Net Profit | HRK mil | -12.9 | -29.1 | ... | 2.02 | -16.6 | ||||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | HRK mil | 185 | 142 | ... | ... | ... | ... | ... | ||||||||||
| Customer Loans | HRK mil | 806 | 643 | ... | 448 | 480 | ||||||||||||
| Investments | HRK mil | 269 | 266 | ... | 295 | 260 | ||||||||||||
| Total Assets | HRK mil | 1,531 | 1,275 | ... | 1,056 | 1,047 | ||||||||||||
| Shareholders' Equity | HRK mil | 166 | 138 | ... | 131 | 114 | ||||||||||||
| Interbank Borrowing | HRK mil | 0 | 0 | ... | 0 | 0 | ||||||||||||
| Customer Deposits | HRK mil | 1,240 | 940 | ... | 888 | 899 | ||||||||||||
| Issued Debt Securities | HRK mil | 109 | 190 | ... | 0 | 0 | ||||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | -7.51 | -19.1 | ... | 1.54 | -13.6 | |||||||||||
| ROA | % | ... | -0.808 | -2.07 | ... | 0.191 | -1.58 | |||||||||||
| Costs (As % Of Assets) | % | ... | 3.08 | 2.87 | ... | 3.55 | 3.18 | |||||||||||
| Costs (As % Of Income) | % | 99.6 | 63.5 | ... | 110 | 130 | ||||||||||||
| Capital Adequacy Ratio | % | 19.8 | 19.1 | ... | ... | ... | ... | |||||||||||
| Net Interest Margin | % | ... | 2.09 | 2.86 | ... | 1.79 | 1.59 | |||||||||||
| Interest Income (As % Of Revenues) | % | 67.7 | 63.3 | ... | 55.7 | 65.1 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 9.71 | 8.30 | ... | 25.5 | 17.6 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 47.2 | 46.2 | ... | 42.6 | 47.3 | ||||||||||||
| Equity (As % Of Assets) | % | 10.8 | 10.8 | ... | 12.4 | 10.9 | ||||||||||||
| Loans (As % Of Deposits) | % | 65.0 | 68.4 | ... | 50.5 | 53.4 | ||||||||||||
| Loans (As % Assets) | % | 52.6 | 50.4 | ... | 42.5 | 45.9 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 21.5 | 22.0 | ... | ... | ... | ... | ... | ||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 92.9 | 106 | ... | ... | ... | ... | ... |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||
| Interest Income | HRK mil | 73.5 | 60.8 | ... | 32.2 | 25.0 | ||||||||||||
| Interest Cost | HRK mil | 40.2 | 20.6 | ... | 13.3 | 8.33 | ||||||||||||
| Net Interest Income | HRK mil | 33.3 | 40.2 | ... | 18.9 | 16.7 | ||||||||||||
| Net Fee Income | HRK mil | 4.78 | 5.27 | ... | 8.68 | 4.52 | ||||||||||||
| Fee Income | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.51 | 5.31 | ||
| Fee Expense | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.832 | 0.789 | ||
| Other Income | HRK mil | 11.1 | 18.0 | ... | 6.38 | 4.41 | ||||||||||||
| Total Revenues | HRK mil | 49.2 | 63.4 | ... | 34.0 | 25.6 | ||||||||||||
| Staff Cost | HRK mil | 23.1 | 18.6 | ... | 16.0 | 15.8 | ||||||||||||
| Depreciation | HRK mil | 4.81 | 3.56 | ... | 5.48 | 7.32 | ||||||||||||
| Other Cost | HRK mil | 21.1 | 18.1 | ... | 16.1 | 10.3 | ||||||||||||
| Operating Cost | HRK mil | 49.0 | 40.3 | ... | 37.5 | 33.4 | ||||||||||||
| Operating Profit | HRK mil | 0.210 | 23.2 | ... | -3.54 | -7.78 | ||||||||||||
| Provisions | HRK mil | 13.1 | 52.3 | ... | -1.78 | 8.52 | ||||||||||||
| Extra and Other Cost | HRK mil | 0 | 0 | ... | -3.77 | 0.002 | ||||||||||||
| Pre-Tax Profit | HRK mil | -12.9 | -29.1 | ... | 2.02 | -16.3 | ||||||||||||
| Tax | HRK mil | 0 | 0 | ... | 0 | 0.283 | ||||||||||||
| Minorities | HRK mil | 0 | 0 | ... | 0 | 0 | ||||||||||||
| Net Profit | HRK mil | -12.9 | -29.1 | ... | 2.02 | -16.6 | ||||||||||||
| Net Profit Avail. to Common | HRK mil | -12.9 | -29.1 | ... | 2.02 | -16.6 | ||||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | 20.7 | 20.6 | ... | ... | -11.7 | |||||||||||
| Net Fee Income Growth | % | ... | -0.954 | 10.3 | ... | ... | -47.9 | |||||||||||
| Total Revenue Growth | % | ... | 15.9 | 28.9 | ... | ... | -24.6 | |||||||||||
| Operating Cost Growth | % | ... | -4.72 | -17.8 | ... | ... | -10.9 | |||||||||||
| Operating Profit Growth | % | ... | -102 | 10,937 | ... | ... | 120 | |||||||||||
| Pre-Tax Profit Growth | % | ... | -74.5 | 126 | ... | ... | -908 | |||||||||||
| Net Profit Growth | % | ... | -74.5 | 126 | ... | ... | -922 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | 0.259 | 0.344 | ... | 0.167 | 0.156 | ... | ... | ||||||||||
| Market Share in Net Profit | % | -0.252 | -0.796 | ... | 0.033 | -0.509 | ... | |||||||||||
| Market Share in Employees | % | 0.563 | 0.450 | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | ||||||||||||||||||
| Cash & Cash Equivalents | HRK mil | 175 | 168 | ... | 230 | 227 | ||||||||||||
| Interbank Loans | HRK mil | 185 | 142 | ... | ... | ... | ... | ... | ||||||||||
| Customer Loans | HRK mil | 806 | 643 | ... | 448 | 480 | ||||||||||||
| Retail Loans | HRK mil | 159 | 124 | ... | ... | ... | ... | ... | ||||||||||
| Corporate Loans | HRK mil | 822 | 696 | ... | ... | ... | ... | ... | ||||||||||
| Investments | HRK mil | 269 | 266 | ... | 295 | 260 | ||||||||||||
| Property and Equipment | HRK mil | 33.3 | 30.9 | ... | 16.5 | 8.87 | ||||||||||||
| Intangible Assets | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.4 | 8.48 | ||
| Total Assets | HRK mil | 1,531 | 1,275 | ... | 1,056 | 1,047 | ||||||||||||
| Shareholders' Equity | HRK mil | 166 | 138 | ... | 131 | 114 | ||||||||||||
| Of Which Minority Interest | HRK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Liabilities | HRK mil | 1,365 | 1,136 | ... | 925 | 933 | ||||||||||||
| Interbank Borrowing | HRK mil | 0 | 0 | ... | 0 | 0 | ||||||||||||
| Customer Deposits | HRK mil | 1,240 | 940 | ... | 888 | 899 | ||||||||||||
| Retail Deposits | HRK mil | 920 | 622 | ... | ... | ... | ... | ... | ||||||||||
| Corporate Deposits | HRK mil | 321 | 317 | ... | ... | ... | ... | ... | ||||||||||
| Sight Deposits | HRK mil | ... | ... | 124 | 122 | ... | ... | ... | ... | ... | ||||||||
| Term Deposits | HRK mil | ... | ... | 795 | 500 | ... | ... | ... | ... | ... | ||||||||
| Issued Debt Securities | HRK mil | 109 | 190 | ... | 0 | 0 | ||||||||||||
| Other Liabilities | HRK mil | 15.8 | 6.53 | ... | 37.1 | 33.7 | ||||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | ... | ... | ... | 217 | 185 | ... | ... | ... | ... | ... | ||||
| Gross Loans | HRK mil | 1,007 | 839 | ... | ... | ... | ... | ... | ||||||||||
| Total Provisions | HRK mil | 201 | 196 | ... | ... | ... | ... | ... | ||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | -7.99 | -20.2 | ... | ... | 7.12 | |||||||||||
| Retail Loan Growth | % | ... | -7.72 | -22.0 | ... | ... | ... | ... | ... | |||||||||
| Corporate Loan Growth | % | ... | 1.55 | -15.3 | ... | ... | ... | ... | ... | |||||||||
| Total Asset Growth | % | ... | -7.48 | -16.7 | ... | ... | -0.860 | |||||||||||
| Shareholders' Equity Growth | % | ... | -6.16 | -16.8 | ... | ... | -12.7 | |||||||||||
| Customer Deposit Growth | % | ... | -10.5 | -24.2 | ... | ... | 1.22 | |||||||||||
| Retail Deposit Growth | % | ... | -19.2 | -32.3 | ... | ... | ... | ... | ... | |||||||||
| Corporate Deposit Growth | % | ... | 29.8 | -0.992 | ... | ... | ... | ... | ... | |||||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 0.376 | 0.277 | ... | 0.176 | 0.187 | ... | ... | ||||||||||
| Market Share in Corporate Loans | % | 1.20 | 0.987 | ... | ... | ... | ... | ... | ||||||||||
| Market Share in Consumer Loans | % | 0.141 | 0.108 | ... | ... | ... | ... | ... | ||||||||||
| Market Share in Total Assets | % | 0.384 | 0.318 | ... | 0.243 | 0.225 | ... | ... | ||||||||||
| Market Share in Customer Deposits | % | 0.454 | 0.337 | ... | 0.286 | 0.269 | ... | ... | ||||||||||
| Market Share in Retail Deposits | % | 0.485 | 0.327 | ... | ... | ... | ... | ... | ||||||||||
| Market Share in Corporate Deposits | % | 0.551 | 0.503 | ... | ... | ... | ... | ... |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | -7.51 | -19.1 | ... | 1.54 | -13.6 | |||||||||||
| ROTE | % | ... | -7.51 | -19.1 | ... | 3.36 | -14.7 | |||||||||||
| ROA | % | ... | -0.808 | -2.07 | ... | 0.191 | -1.58 | |||||||||||
| Return on Loans | % | -1.53 | -4.01 | ... | 0.450 | -3.57 | ||||||||||||
| Costs (As % Of Assets) | % | ... | 3.08 | 2.87 | ... | 3.55 | 3.18 | |||||||||||
| Costs (As % Of Income) | % | 99.6 | 63.5 | ... | 110 | 130 | ||||||||||||
| Costs (As % Of Loans) | % | ... | 5.83 | 5.56 | ... | ... | 7.19 | |||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.27 | 2.22 | ... | ... | 2.46 | |||||||||||
| Capital Adequacy Ratio | % | 19.8 | 19.1 | ... | ... | ... | ... | |||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Net Interest Margin | % | ... | 2.09 | 2.86 | ... | 1.79 | 1.59 | |||||||||||
| Interest Spread | % | ... | 1.79 | 2.69 | ... | ... | 1.48 | |||||||||||
| Asset Yield | % | ... | 4.61 | 4.33 | ... | 3.05 | 2.38 | |||||||||||
| Cost Of Liabilities | % | ... | 2.83 | 1.65 | ... | ... | 0.897 | |||||||||||
| Interest Income (As % Of Revenues) | % | 67.7 | 63.3 | ... | 55.7 | 65.1 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 9.71 | 8.30 | ... | 25.5 | 17.6 | ||||||||||||
| Other Income (As % Of Revenues) | % | 22.6 | 28.4 | ... | 18.8 | 17.2 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 47.2 | 46.2 | ... | 42.6 | 47.3 | ||||||||||||
| Equity (As % Of Assets) | % | 10.8 | 10.8 | ... | 12.4 | 10.9 | ||||||||||||
| Equity (As % Of Loans) | % | 20.6 | 21.5 | ... | 29.1 | 23.7 | ||||||||||||
| Loans (As % Of Deposits) | % | 65.0 | 68.4 | ... | 50.5 | 53.4 | ||||||||||||
| Loans (As % Assets) | % | 52.6 | 50.4 | ... | 42.5 | 45.9 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 21.5 | 22.0 | ... | ... | ... | ... | ... | ||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 92.9 | 106 | ... | ... | ... | ... | ... | ||||
| Provisions (As % Of Loans) | % | 25.0 | 30.5 | ... | ... | ... | ... | ... | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.56 | 7.21 | ... | ... | 1.84 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Employees | 116 | 92.0 | ... | ... | ... | ... | ... | |||||||||||
| Cost Per Employee | USD per month | 2,345 | 2,510 | ... | ... | ... | ... | ... | ||||||||||
| Cost Per Employee (Local Currency) | HRK per month | 16,601 | 16,865 | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - April 10, 2024
J&T Banka Croatia made a net profit of HRK -17.4 mil under revenues of HRK 21.5 mil in 2022, up -684% and -27.2% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 5.11 mil in 2009 and an all time low of ...
By Helgi Library - April 10, 2024
J&T Banka Croatia's net interest margin amounted to 1.91% in 2022, down from 2.46% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.64% in 2011 and an all time low of 1.15% in 2014. The averag...
By Helgi Library - April 10, 2024
J&T Banka Croatia's customer deposits reached HRK 899 mil in 2020, up 1.22% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 334 bil in 2020, up 7.68% when compared to the last year. J&T Banka Croatia accoun...
By Helgi Library - April 10, 2024
J&T Banka Croatia generated total banking revenues of in, down 0% 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 mil in and an all time low of ...
By Helgi Library - April 10, 2024
J&T Banka Croatia's customer loan growth reached -27.0% in 2022, down from -19.1% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 37.8% in 2007 and an all time low of -27.0% in 2022. In the last decade,...
By Helgi Library - April 10, 2024
J&T Banka Croatia's retail deposits reached HRK 622 mil in 2017, down 32.3% 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. J&T Banka Croatia account...
By Helgi Library - April 10, 2024
J&T Banka Croatia's corporate loans reached HRK 696 mil in 2017, down 15.3% 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. J&T Banka Croatia account...
By Helgi Library - April 10, 2024
J&T Banka Croatia's corporate deposits reached HRK 300 mil in 2010, down 8.57% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 47.0 bil in 2010, up 3.92% when compared to the last year. J&T Banka Croatia a...
J&T Banka Croatia has been growing its revenues and asset by -14.1% and -14.3% a year on average in the last 3 years. Its loans and deposits have grown by -14.2% and -14.7% a year during that time and loans to deposits ratio reached 51.5% at the end of 2022. The company achieved an average return on equity of -9.08% in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 114% in 2022, compared to 112% average in the last three years.
Equity represented 14.8% of total assets or of loans at the end of 2022. J&T Banka Croatia's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2022.
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