J&T Banka Croatia

J&T Banka Croatia's npls (as % of loans) rose 2.30% to 22.0% in 2017

By Helgi Analytics - August 11, 2018

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...

J&T Banka Croatia's customer loans fell 20.2% to HRK 643 mil in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia's customer loans reached HRK 643 mil in 2017, down 20.2% compared to the previous year. Croatian banking ...

J&T Banka Croatia's total revenues rose 28.9% to HRK 63.4 mil in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia generated total banking revenues of HRK 63.4 mil in 2017, up 28.9% compared to the previous year. Cr...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 27.6 33.3 40.2
Fee Income (As % Of Revenues) % 11.4 9.71 8.30
Other Income HRK mil 10.0 11.1 18.0
Total Revenues HRK mil 42.4 49.2 63.4
Staff Cost HRK mil 23.3 23.1 18.6
Operating Profit HRK mil -8.97 0.210 23.2
Provisions HRK mil 41.5 13.1 52.3
Net Profit HRK mil -50.5 -12.9 -29.1
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 240 185 142
Customer Loans HRK mil 876 806 643
Debt Securities HRK mil 251 269 266
Total Assets HRK mil 1,655 1,531 1,275
Shareholders' Equity HRK mil 177 166 138
Interbank Borrowing HRK mil 0 0 0
Customer Deposits HRK mil 1,385 1,240 940
Issued Debt Securities HRK mil 77.8 109 190
Ratios 2015 2016 2017
ROE % -33.6 -7.51 -19.1
ROA % -3.36 -0.808 -2.07
Costs (As % Of Assets) % 3.43 3.08 2.87
Costs (As % Of Income) % 121 99.6 63.5
Capital Adequacy Ratio % 16.1 19.8 19.1
Net Interest Margin % 1.84 2.09 2.86
Loans (As % Of Deposits) % 63.2 65.0 68.4
NPLs (As % Of Loans) % 20.6 21.5 22.0
Provisions (As % Of NPLs) % 66.1 92.9 106
Growth Rates 2015 2016 2017
Total Revenue Growth % 34.7 15.9 28.9
Operating Cost Growth % 11.9 -4.72 -17.8
Operating Profit Growth % -37.8 -102 10,937
Net Profit Growth % 324 -74.5 126
Customer Loan Growth % 33.9 -7.99 -20.2
Total Asset Growth % 22.9 -7.48 -16.7
Customer Deposit Growth % 20.9 -10.5 -24.2
Shareholders' Equity Growth % 42.8 -6.16 -16.8
Employees 148 116 92.0

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summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                            
Net Interest Income HRK mil ... ...           48.4 31.0 30.5 14.8 27.6    
Total Revenues HRK mil ... ...           62.7 40.9 33.0 31.5 42.4    
Operating Profit HRK mil ... ...           9.67 -7.91 -11.5 -14.4 -8.97    
Net Profit HRK mil ... ...           -13.5 -12.7 -109 -11.9 -50.5    
balance sheet                            
Interbank Loans HRK mil ... ...           19.4 43.2 50.2 190 240    
Customer Loans HRK mil ... ...           793 723 676 654 876    
Debt Securities HRK mil ... ...           235 216 249 222 251    
Total Assets HRK mil               1,236 1,204 1,218 1,346 1,655    
Shareholders' Equity HRK mil               129 127 62.3 124 177    
Interbank Borrowing HRK mil ... ...           0 0 0 0 0    
Customer Deposits HRK mil ... ...           863 863 988 1,146 1,385    
Issued Debt Securities HRK mil ... ...           233 201 154 64.4 77.8    
ratios                            
ROE % ... ...           -9.74 -9.91 -116 -12.8 -33.6    
ROA % ... ...           -1.01 -1.04 -9.04 -0.929 -3.36    
Costs (As % Of Assets) % ... ...           3.99 4.00 3.68 3.58 3.43    
Costs (As % Of Income) % ... ...           84.6 119 135 146 121    
Capital Adequacy Ratio %               12.4 12.2 6.50 14.1 16.1    
Net Interest Margin % ... ...           3.64 2.54 2.52 1.15 1.84    
Interest Income (As % Of Revenues) % ... ...           77.2 75.7 92.2 47.0 65.0    
Fee Income (As % Of Revenues) % ... ...           7.12 11.0 14.0 17.1 11.4    
Staff Cost (As % Of Total Cost) % ... ...           49.1 49.3 50.1 47.2 45.3    
Equity (As % Of Assets) %               10.5 10.5 5.11 9.19 10.7    
Loans (As % Of Deposits) % ... ...           91.8 83.7 68.4 57.1 63.2    
Loans (As % Assets) % ... ...           64.1 60.0 55.5 48.6 52.9    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... 30.6 32.7 33.9 20.6    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... 22.5 48.8 50.6 66.1    
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                            
Interest Income HRK mil ... ...           97.8 73.1 72.6 57.6 68.9    
Interest Cost HRK mil ... ...           49.4 42.1 42.1 42.8 41.3    
Net Interest Income HRK mil ... ...           48.4 31.0 30.5 14.8 27.6    
Net Fee Income HRK mil ... ...           4.46 4.51 4.61 5.38 4.82    
Other Income HRK mil ... ...           9.81 5.42 -2.05 11.3 10.0    
Total Revenues HRK mil ... ...           62.7 40.9 33.0 31.5 42.4    
Staff Cost HRK mil ... ...           26.0 24.1 22.3 21.7 23.3    
Depreciation HRK mil ... ...           5.13 4.67 4.07 3.43 4.75    
Other Cost HRK mil ... ...           21.9 20.1 18.2 20.8 23.4    
Operating Cost HRK mil ... ...           53.0 48.8 44.6 45.9 51.4    
Operating Profit HRK mil ... ...           9.67 -7.91 -11.5 -14.4 -8.97    
Provisions HRK mil ... ...           25.7 4.79 97.9 2.57 41.5    
Extra and Other Cost HRK mil ... ...           -2.59 0.041 < 0.001 -5.08 -0.001    
Pre-Tax Profit HRK mil               -13.5 -12.7 -109 -11.9 -50.5    
Tax HRK mil ... ...           0 0 0 0 0    
Minorities HRK mil ... ...           0 0 0 0 0    
Net Profit HRK mil ... ...           -13.5 -12.7 -109 -11.9 -50.5    
growth rates                            
Net Interest Income Growth % ... ... ...         1.08 -36.0 -1.71 -51.4 86.6    
Net Fee Income Growth % ... ... ...         6.59 1.05 2.24 16.6 -10.4    
Total Revenue Growth % ... ... ...         0.018 -34.7 -19.3 -4.61 34.7    
Operating Cost Growth % ... ... ...         -1.04 -7.91 -8.78 3.10 11.9    
Operating Profit Growth % ... ... ...         6.25 -182 45.6 25.2 -37.8    
Pre-Tax Profit Growth % ...             342 -5.33 759 -89.1 324    
Net Profit Growth % ... ... ...         342 -5.63 762 -89.1 324    
market share                            
Market Share in Revenues % ... ...           0.390 0.276 0.230 0.218 0.292    
Market Share in Net Profit % ... ...     ...   ... ... ... ... ... ... ... ...
Market Share in Employees % ... ...           0.777 0.753 0.654 0.675 0.708    
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                            
Cash HRK mil ... ...           131 144 157 191 198    
Interbank Loans HRK mil ... ...           19.4 43.2 50.2 190 240    
Customer Loans HRK mil ... ...           793 723 676 654 876    
Retail Loans HRK mil ... ...           198 170 157 160 172    
Corporate Loans HRK mil ... ...           644 583 610 592 809    
Debt Securities HRK mil ... ...           235 216 249 222 251    
Fixed Assets HRK mil ... ...           44.2 47.5 48.1 60.0 74.7    
Total Assets HRK mil               1,236 1,204 1,218 1,346 1,655    
Shareholders' Equity HRK mil               129 127 62.3 124 177    
Of Which Minority Interest HRK mil ... ...           0 0 0 0 0    
Liabilities HRK mil               1,107 1,077 1,155 1,222 1,478    
Interbank Borrowing HRK mil ... ...           0 0 0 0 0    
Customer Deposits HRK mil ... ...           863 863 988 1,146 1,385    
Retail Deposits HRK mil ... ...           646 702 858 977 1,138    
Corporate Deposits HRK mil ... ...           218 161 130 169 247    
Sight Deposits HRK mil ... ... ... ...       74.0 63.4 78.6 116 110    
Term Deposits HRK mil ... ... ... ...       789 800 909 1,030 1,275    
Issued Debt Securities HRK mil ... ...           233 201 154 64.4 77.8    
Other Liabilities HRK mil ... ...           10.2 13.1 13.7 12.2 15.0    
asset quality                            
Non-Performing Loans HRK mil ... ... ... ... ... ... ... ... 238 263 267 208    
Gross Loans HRK mil ... ...           863 776 804 789 1,013    
Total Provisions HRK mil ... ...           70.4 53.6 128 135 138    
growth rates                            
Customer Loan Growth % ... ... ...         -10.4 -8.82 -6.52 -3.20 33.9    
Retail Loan Growth % ... ... ...         -5.53 -14.4 -7.44 2.00 7.53    
Corporate Loan Growth % ... ... ...         -8.63 -9.42 4.66 -2.99 36.6    
Total Asset Growth % ...             -13.1 -2.59 1.11 10.5 22.9    
Shareholders' Equity Growth % ...             -12.0 -1.83 -50.9 98.7 42.8    
Customer Deposit Growth % ... ... ...         -20.1 -0.029 14.4 16.0 20.9    
Retail Deposit Growth % ... ... ...         -17.3 8.70 22.2 13.9 16.5    
Corporate Deposit Growth % ... ... ...         -27.4 -25.9 -19.6 30.2 46.3    
market share                            
Market Share in Customer Loans % ... ...           0.315 0.306 0.289 0.285 0.394    
Market Share in Corporate Loans % ... ...           0.577 0.604 0.639 0.644 0.927    
Market Share in Consumer Loans % ... ...           0.155 0.135 0.127 0.131 0.143    
Market Share in Total Assets %               0.297 0.293 0.293 0.321 0.397    
Market Share in Customer Deposits % ... ...           0.391 0.380 0.418 0.469 0.539    
Market Share in Retail Deposits % ... ...           0.379 0.395 0.478 0.534 0.606    
Market Share in Corporate Deposits % ... ...           0.452 0.358 0.306 0.386 0.465    
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                            
ROE % ... ...           -9.74 -9.91 -116 -12.8 -33.6    
ROA % ... ...           -1.01 -1.04 -9.04 -0.929 -3.36    
Costs (As % Of Assets) % ... ...           3.99 4.00 3.68 3.58 3.43    
Costs (As % Of Income) % ... ...           84.6 119 135 146 121    
Capital Adequacy Ratio %               12.4 12.2 6.50 14.1 16.1    
Net Interest Margin % ... ...           3.64 2.54 2.52 1.15 1.84    
Interest Spread % ... ...           3.21 2.14 2.22 0.894 1.53    
Asset Yield % ... ...           7.36 5.99 5.99 4.49 4.59    
Cost Of Liabilities % ... ...           4.14 3.85 3.77 3.60 3.06    
Interest Income (As % Of Revenues) % ... ...           77.2 75.7 92.2 47.0 65.0    
Fee Income (As % Of Revenues) % ... ...           7.12 11.0 14.0 17.1 11.4    
Other Income (As % Of Revenues) % ... ...           15.6 13.2 -6.20 36.0 23.6    
Cost Per Employee USD per month ... ...           2,386 2,105 2,293 2,132 1,969    
Cost Per Employee (Local Currency) HRK per month ... ...           12,761 12,320 13,088 12,645 13,117    
Staff Cost (As % Of Total Cost) % ... ...           49.1 49.3 50.1 47.2 45.3    
Equity (As % Of Assets) %               10.5 10.5 5.11 9.19 10.7    
Loans (As % Of Deposits) % ... ...           91.8 83.7 68.4 57.1 63.2    
Loans (As % Assets) % ... ...           64.1 60.0 55.5 48.6 52.9    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... 30.6 32.7 33.9 20.6    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... 22.5 48.8 50.6 66.1    
Provisions (As % Of Loans) % ... ...           8.89 7.41 18.9 20.7 15.7    
Cost of Provisions (As % Of Loans) % ... ...           3.07 0.632 14.0 0.386 5.43    
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                            
Employees ... ...           170 163 142 143 148    
Sight (As % Of Customer Deposits) % ... ... ... ...       8.57 7.34 7.96 10.1 7.95    

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J&T Banka Croatia's net profit fell 126% to HRK -29.1 mil in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia made a net profit of HRK -29.1 mil under revenues of HRK 63.4 mil in 2017, up -126% and 28.9% 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 ...

J&T Banka Croatia's net interest margin rose 37.0% to 2.86% in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia's net interest margin amounted to 2.86% in 2017, up from 2.09% 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 average ...

J&T Banka Croatia's customer deposits fell 24.2% to HRK 940 mil in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia's customer deposits reached HRK 940 mil in 2017, down 24.2% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 273 bil in 2017, up 2.57% when compared to the last year. J&T Banka Croatia acco...

J&T Banka Croatia's retail deposits fell 32.3% to HRK 622 mil in 2017

By Helgi Analytics - August 11, 2018

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...

J&T Banka Croatia's corporate loans fell 15.3% to HRK 696 mil in 2017

By Helgi Analytics - December 12, 2019

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...

J&T Banka Croatia's corporate deposits fell 0.992% to HRK 317 mil in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia's corporate deposits reached HRK 317 mil in 2017, down 0.992% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 63.1 bil in 2017, up 8.35% when compared to the last year. J&T Banka Croatia ...

J&T Banka Croatia's net interest income rose 20.6% to HRK 40.2 mil in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia generated total banking revenues of HRK 63.4 mil in 2017, up 28.9% 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 63.4 mil in 2017 ...

J&T Banka Croatia's customer loan growth fell 153% to -20.2% in 2017

By Helgi Analytics - August 11, 2018

J&T Banka Croatia's customer loan growth reached -20.2% in 2017, down from -7.99% 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 -20.2% in 2017. In the last decade,...

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Finance

J&T Banka Croatia has been growing its revenues and asset by 9.16% and 1.14% a year on average in the last 5 years. Its loans and deposits have grown by -2.32% and 1.71% a year during that time and loans to deposits ratio reached 68.4% at the end of 2017. The company achieved an average return on equity of -37.7% in the last five years with net profit growing 18.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.5% in 2017, compared to 113% average in the last five years.

Equity represented 10.8% of total assets or 21.5% of loans at the end of 2017. J&T Banka Croatia's non-performing loans were 22.0% of total loans while provisions covered some 106% of NPLs at the end of 2017.