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summary | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
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 |
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 | 0 | 0 | 0 | 0 | |||||||
... | ... | 863 | 863 | 988 | 1,146 | 1,385 | |||||||
... | ... | 233 | 201 | 154 | 64.4 | 77.8 |
... | ... | -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% |
income statement | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
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 | 0 | 0 | 0 | 0 | |||||||
... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
... | ... | -13.5 | -12.7 | -109 | -11.9 | -50.5 |
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% |
... | ... | 0.390% | 0.276% | 0.230% | 0.218% | 0.292% | |||||||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
... | ... | 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 |
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 | 0 | 0 | 0 | 0 | |||||||
1,107 | 1,077 | 1,155 | 1,222 | 1,478 | |||||||||
... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
... | ... | 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 |
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 |
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% |
... | ... | 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% |
ratios | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
... | ... | -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% |
other data | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
... | ... | 170 | 163 | 142 | 143 | 148 | |||||||
... | ... | ... | ... | 8.57% | 7.34% | 7.96% | 10.1% | 7.95% |
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
Read more »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.
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.
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.
Read more »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 accounted for 0.851% of all corporate loans issued in Croatia at the end of 2017. Historically, the bank’s market share in corporate loans reached an all time high of 0.986% in 2016 and an all time low of 0.505% in 2007.
That's compared to a 0.312% market share the bank held in terms of total assets at the end of 2017.
You can see all the company’s data at J&T Banka Croatia Profile, or you can download a report on the firm in the report section.
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.
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.
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,
Read more »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.
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
Read more »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.