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summary

Unit

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income statement

Net Interest Income	HRK mil
Total Revenues	HRK mil
Operating Profit	HRK mil
Net Profit	HRK mil

...	...	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

Interbank Loans	HRK mil
Customer Loans	HRK mil
Debt Securities	HRK mil
Total Assets	HRK mil
Shareholders' Equity	HRK mil
Interbank Borrowing	HRK mil
Customer Deposits	HRK mil
Issued Debt Securities	HRK mil

...	...	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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...	...						-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

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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

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	...	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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%

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

Download Data

balance sheet

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balance sheet

Cash	HRK mil
Interbank Loans	HRK mil
Customer Loans	HRK mil
Retail Loans	HRK mil
Corporate Loans	HRK mil
Debt Securities	HRK mil
Fixed Assets	HRK mil
Total Assets	HRK mil
Shareholders' Equity	HRK mil
Of Which Minority Interest	HRK mil
Liabilities	HRK mil
Interbank Borrowing	HRK mil
Customer Deposits	HRK mil
Retail Deposits	HRK mil
Corporate Deposits	HRK mil
Sight Deposits	HRK mil
Term Deposits	HRK mil
Issued Debt Securities	HRK mil
Other Liabilities	HRK mil

...	...			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

Non-Performing Loans	HRK mil
Gross Loans	HRK mil
Total Provisions	HRK mil

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

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...	...	-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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Consumer Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

...	...	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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	HRK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...	...						-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

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2017

other data

Employees
Sight (As % Of Customer Deposits)	%

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

Download Data

Comparison of 27 Banks in Croatia

October 24, 2018

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

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

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

J&T Banka Croatia in Numbers

September 26, 2018

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,

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.

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What Banks in Croatia Had the Lowest Loan to Deposit Ratio in 2017?

August 11, 2018

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%

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.

Comparing Jadranska Banka with its closest 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 on the Loans (As % Of Deposits) indicator page or you can download a report on the Croatian banks in the report section.

What Banks in Croatia Had the Most Bad Loans in 2017?

August 11, 2018

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,

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.

Comparing Jadranska Banka with its closest 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 11.2% of total loans in 2017, down from 13.6% when compared to the last year.

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

What Banks in Croatia Paid its Staff the Most in 2016?

August 11, 2018

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

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.

Comparing PBZ Stambena Stedionica with its closest 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 on the Cost Per Employee indicator page or you can download a report on the Croatian banks in the report section.

What Banks in Croatia Had the Lowest Loan to Deposit Ratio in 2016?

August 11, 2018

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

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.

Comparing Jadranska Banka with its closest 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 on the 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 customer deposits fell 24.2% to HRK 940 mil in 2017

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

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

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

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

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

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