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NKBM Group

NKBM's net interest margin fell 16.8% to 1.69% in 2017

By Helgi Library - September 22, 2018

NKBM Group's net interest margin amounted to 1.69% in 2017, down from 2.04% compared to the previous year. Historically, t...

NKBM's net interest margin fell 16.8% to 1.69% in 2017

By Helgi Library - September 22, 2018

NKBM Group's net interest margin amounted to 1.69% in 2017, down from 2.04% compared to the previous year. Historically, t...

NKBM's employees rose 4.23% to 1,576 in 2017

By Helgi Library - September 22, 2018

NKBM Group employed 1,576 persons in 2017, up 4.23% when compared to the previous year. Historically, the bank's workforce hit a...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 98.1 92.3 82.6
Net Fee Income EUR mil 54.5 42.4 45.5
Other Income EUR mil 22.4 16.1 14.9
Total Revenues EUR mil 175 151 143
Staff Cost EUR mil 45.4 51.5 61.3
Operating Profit EUR mil 65.3 41.2 23.9
Provisions EUR mil 39.1 10.5 -14.8
Net Profit EUR mil 16.6 30.2 47.8
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 61.2 119 42.8
Customer Loans EUR mil 1,808 1,964 2,366
Total Assets EUR mil 4,246 4,823 4,930
Shareholders' Equity EUR mil 623 683 697
Interbank Borrowing EUR mil 346 374 448
Customer Deposits EUR mil 3,095 3,626 3,638
Issued Debt Securities EUR mil 53.2 14.4 1.50
Ratios 2015 2016 2017
ROE % 2.67 4.62 6.93
ROA % 0.385 0.665 0.981
Costs (As % Of Assets) % 2.55 2.42 2.44
Costs (As % Of Income) % 62.7 72.7 83.3
Capital Adequacy Ratio % 25.1 24.0 20.2
Net Interest Margin % 2.28 2.04 1.69
Loans (As % Of Deposits) % 58.4 54.2 65.0
NPLs (As % Of Loans) % 25.2 17.9 12.0
Provisions (As % Of NPLs) % 101 111 117
Growth Rates 2015 2016 2017
Total Revenue Growth % -7.90 -13.9 -5.22
Operating Cost Growth % 2.01 -0.194 8.66
Operating Profit Growth % -20.8 -36.9 -42.1
Net Profit Growth % -24.3 82.1 58.6
Customer Loan Growth % -5.86 8.60 20.5
Total Asset Growth % -2.81 13.6 2.21
Customer Deposit Growth % 0.601 17.2 0.335
Shareholders' Equity Growth % 1.09 9.68 2.06
Employees 1,591 1,512 1,576

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summary Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                              
Net Interest Income EUR mil                 136 106 74.6 111 98.1    
Total Revenues EUR mil                 195 170 199 190 175    
Operating Profit EUR mil                 53.5 49.2 67.8 82.5 65.3    
Net Profit EUR mil                 -82.4 -206 -630 21.9 16.6    
balance sheet                              
Interbank Loans EUR mil                 177 162 104 50.1 61.2    
Customer Loans EUR mil                 3,844 3,398 2,232 1,921 1,808    
Debt Securities EUR mil                 1,305 1,257 1,841 1,708 2,098    
Total Assets EUR mil                 5,816 5,322 4,811 4,369 4,246    
Shareholders' Equity EUR mil                 436 253 560 616 623    
Interbank Borrowing EUR mil                 1,271 1,168 958 415 346    
Customer Deposits EUR mil                 3,765 3,619 3,079 3,077 3,095    
Issued Debt Securities EUR mil                 237 185 136 121 53.2    
ratios                              
ROE %                 -18.9 -59.7 -155 3.72 2.67    
ROA %                 -1.41 -3.69 -12.4 0.477 0.385    
Costs (As % Of Assets) %                 2.43 2.16 2.58 2.34 2.55    
Costs (As % Of Income) %                 72.6 71.0 65.9 56.6 62.7    
Capital Adequacy Ratio % ...               10.8 9.17 18.3 23.3 25.1    
Net Interest Margin %                 2.32 1.90 1.47 2.41 2.28    
Interest Income (As % Of Revenues) %                 69.5 62.4 37.5 58.3 56.1    
Fee Income (As % Of Revenues) %                 28.9 34.7 28.5 29.4 31.1    
Staff Cost (As % Of Total Cost) %                 44.7 50.8 42.1 46.3 41.3    
Equity (As % Of Assets) %                 7.49 4.76 11.6 14.1 14.7    
Loans (As % Of Deposits) %                 102 93.9 72.5 62.4 58.4    
Loans (As % Assets) %                 66.1 63.8 46.4 44.0 42.6    
NPLs (As % Of Loans) % ... ... ...           16.2 23.2 21.9 25.8 25.2    
Provisions (As % Of NPLs) % ... ... ...           46.6 68.5 95.6 94.4 101    
valuation                              
Book Value Per Share Growth % ...               -7.95 -21.9 -29.5 48.4 -11.4    
income statement Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                              
Interest Income EUR mil                 263 228 173 161 122    
Interest Cost EUR mil                 127 122 98.0 50.5 24.2    
Net Interest Income EUR mil                 136 106 74.6 111 98.1    
Net Fee Income EUR mil                 56.4 58.8 56.6 56.0 54.5    
Other Income EUR mil                 3.20 5.02 67.5 23.4 22.4    
Total Revenues EUR mil                 195 170 199 190 175    
Staff Cost EUR mil                 63.4 61.2 55.2 49.8 45.4    
Depreciation EUR mil                 16.6 16.4 15.6 14.5 12.7    
Other Cost EUR mil                 61.7 42.8 60.1 43.4 51.7    
Operating Cost EUR mil                 142 121 131 108 110    
Operating Profit EUR mil                 53.5 49.2 67.8 82.5 65.3    
Provisions EUR mil                 175 309 721 44.5 39.1    
Extra and Other Cost EUR mil                 -19.3 -20.7 0 0 0    
Pre-Tax Profit EUR mil                 -103 -240 -653 38.0 26.2    
Tax EUR mil                 -21.4 -12.5 32.0 14.7 9.21    
Minorities EUR mil                 1.32 -0.108 -54.5 1.38 0.393    
Net Profit EUR mil                 -82.4 -206 -630 21.9 16.6    
growth rates                              
Net Interest Income Growth % ...               -7.95 -21.9 -29.5 48.4 -11.4    
Net Fee Income Growth % ...               -10.5 4.20 -3.82 -1.05 -2.65    
Total Revenue Growth % ...               -11.8 -13.1 17.1 -4.34 -7.90    
Operating Cost Growth % ...               -1.51 -15.0 8.61 -17.8 2.01    
Operating Profit Growth % ...               -31.0 -8.07 37.9 21.6 -20.8    
Pre-Tax Profit Growth % ...               -670 134 172 -106 -31.1    
Net Profit Growth % ...               -865 149 207 -103 -24.3    
market share                              
Market Share in Revenues %                 13.5 10.8 18.2 15.4 15.1    
Market Share in Net Profit %               ... ... ... ... ... 14.4    
Market Share in Employees % ... ... ... ...         25.3 17.6 16.5 16.4 15.2    
Market Share in Bank Cards % ... ... ... ... ...       12.2 12.1 12.3 12.9 ... ... ...
Market Share in Branches %       ...   ... ...   10.8 10.5 10.8 10.8 10.5    
balance sheet Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                              
Cash EUR mil                 147 224 461 422 323    
Interbank Loans EUR mil                 177 162 104 50.1 61.2    
Customer Loans EUR mil                 3,844 3,398 2,232 1,921 1,808    
Retail Loans EUR mil ... ... ... ... ... ... ... ... 1,094 1,116 1,015 931 946    
Corporate Loans EUR mil ... ... ... ... ... ... ... ... 2,750 2,282 1,217 990 862    
Debt Securities EUR mil                 1,305 1,257 1,841 1,708 2,098    
Fixed Assets EUR mil                 128 124 107 86.9 79.1    
Total Assets EUR mil                 5,816 5,322 4,811 4,369 4,246    
Shareholders' Equity EUR mil                 436 253 560 616 623    
Of Which Minority Interest EUR mil                 41.5 43.0 -6.64 2.92 3.12    
Liabilities EUR mil                 5,381 5,069 4,251 3,753 3,623    
Interbank Borrowing EUR mil                 1,271 1,168 958 415 346    
Customer Deposits EUR mil                 3,765 3,619 3,079 3,077 3,095    
Retail Deposits EUR mil ... ... ... ... ... ... ... ... ... ... 2,422 2,481 2,452    
Corporate Deposits EUR mil ... ... ... ... ... ... ... ... ... ... 658 596 643    
Sight Deposits EUR mil ... ... ... ... ... ... ... ... ... ... 2,093 2,055 2,233    
Term Deposits EUR mil ... ... ... ... ... ... ... ... ... ... 982 1,019 862    
Issued Debt Securities EUR mil                 237 185 136 121 53.2    
Other Liabilities EUR mil                 108 96.9 77.7 139 129    
asset quality                              
Non-Performing Loans EUR mil ... ... ...           673 937 617 656 612    
Gross Loans EUR mil                 4,158 4,039 2,822 2,540 2,429    
Total Provisions EUR mil                 314 641 590 619 621    
growth rates                              
Customer Loan Growth % ...               -4.73 -11.6 -34.3 -13.9 -5.86    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... 1.96 -9.08 -8.24 1.62    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... -17.0 -46.7 -18.7 -12.9    
Total Asset Growth % ...               -0.860 -8.50 -9.60 -9.18 -2.81    
Shareholders' Equity Growth % ...               -0.780 -41.9 121 10.1 1.09    
Customer Deposit Growth % ...               1.41 -3.89 -14.9 -0.079 0.601    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... 2.44 -1.15    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... -9.34 7.90    
market share                              
Market Share in Customer Loans %                 11.6 11.0 9.17 8.92 8.92    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... 15.0 13.9 10.6 10.8 10.5    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... 12.1 12.6 12.0 11.2 11.2    
Market Share in Total Assets %                 11.8 11.5 11.9 11.3 11.4    
Market Share in Customer Deposits %                 15.3 15.2 13.7 12.6 12.3    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... 16.9 16.4 15.8    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... 15.7 12.8 13.8    
ratios Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                              
ROE %                 -18.9 -59.7 -155 3.72 2.67    
ROA %                 -1.41 -3.69 -12.4 0.477 0.385    
Costs (As % Of Assets) %                 2.43 2.16 2.58 2.34 2.55    
Costs (As % Of Income) %                 72.6 71.0 65.9 56.6 62.7    
Capital Adequacy Ratio % ...               10.8 9.17 18.3 23.3 25.1    
Tier 1 Ratio % ...     ... ... ... ...   7.81 8.17 18.1 23.3 25.1    
Net Interest Margin %                 2.32 1.90 1.47 2.41 2.28    
Interest Spread % ...               2.15 1.76 1.30 2.25 2.18    
Asset Yield %                 4.50 4.09 3.41 3.51 2.84    
Cost Of Liabilities % ...               2.35 2.34 2.10 1.26 0.657    
Interest Income (As % Of Revenues) %                 69.5 62.4 37.5 58.3 56.1    
Fee Income (As % Of Revenues) %                 28.9 34.7 28.5 29.4 31.1    
Other Income (As % Of Revenues) %                 1.64 2.96 34.0 12.3 12.8    
Cost Per Employee USD per month ... ... ... ...         2,455 3,232 3,288 3,054 2,724    
Cost Per Employee (Local Currency) EUR per month ... ... ... ...         1,766 2,517 2,476 2,369 2,376    
Staff Cost (As % Of Total Cost) %                 44.7 50.8 42.1 46.3 41.3    
Equity (As % Of Assets) %                 7.49 4.76 11.6 14.1 14.7    
Loans (As % Of Deposits) %                 102 93.9 72.5 62.4 58.4    
Loans (As % Assets) %                 66.1 63.8 46.4 44.0 42.6    
NPLs (As % Of Loans) % ... ... ...           16.2 23.2 21.9 25.8 25.2    
Provisions (As % Of NPLs) % ... ... ...           46.6 68.5 95.6 94.4 101    
Provisions (As % Of Loans) %                 8.16 18.9 26.4 32.2 34.3    
Cost of Provisions (As % Of Loans) %                 4.45 8.55 25.6 2.14 2.10    
other data Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                              
Branches       ...   ... ...   74.0 73.0 68.0 64.0 62.0    
Employees ... ... ... ...         2,991 2,027 1,856 1,751 1,591    
ATMs ... ...   ...         261 265 258 258 265    
Payment Cards '000 ... ... ... ... ...       401 399 402 408 ... ... ...
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... 68.0 66.8 72.1    

Get all company financials in excel:

Download Sample   $19.99

NKBM's employees rose 4.23% to 1,576 in 2017

By Helgi Library - September 22, 2018

NKBM Group employed 1,576 persons in 2017, up 4.23% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,025 persons in 2010 and an all time low of 1,512 in 2016. Average cost reached USD 3,640 per month per employee, ...

NKBM's total revenues fell 5.22% to EUR 143 mil in 2017

By Helgi Library - September 22, 2018

NKBM Group generated total banking revenues of EUR 143 mil in 2017, down 5.22% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year. A...

NKBM's total revenues fell 5.22% to EUR 143 mil in 2017

By Helgi Library - September 22, 2018

NKBM Group generated total banking revenues of EUR 143 mil in 2017, down 5.22% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year. A...

NKBM's branches fell 1.64% to 60.0 in 2017

By Helgi Library - September 27, 2018

NKBM Group employed 1,576 persons in 2017, up 4.23% compared to the previous year. Historically, the bank's workforce hit an all time high of 3,025 persons in 2010 and an all time low of 1,512 in 2016. The bank operated a network of 60.0 branches and 285 A...

NKBM's branches fell 1.64% to 60.0 in 2017

By Helgi Library - September 27, 2018

NKBM Group employed 1,576 persons in 2017, up 4.23% compared to the previous year. Historically, the bank's workforce hit an all time high of 3,025 persons in 2010 and an all time low of 1,512 in 2016. The bank operated a network of 60.0 branches and 285 A...

NKBM's net profit rose 58.6% to EUR 47.8 mil in 2017

By Helgi Library - September 22, 2018

NKBM Group made a net profit of EUR 47.8 mil in 2017, up 58.6% compared to the previous year. This implies a return on equity of 6.93%. Historically, the bank’s net profit reached an all time high of EUR 52.3 mil in 2007 and an all time low of EUR -630 mil ...

NKBM's net profit rose 58.6% to EUR 47.8 mil in 2017

By Helgi Library - September 22, 2018

NKBM Group made a net profit of EUR 47.8 mil in 2017, up 58.6% compared to the previous year. This implies a return on equity of 6.93%. Historically, the bank’s net profit reached an all time high of EUR 52.3 mil in 2007 and an all time low of EUR -630 mil ...

NKBM's npls (as % of loans) fell 32.7% to 12.0% in 2017

By Helgi Library - September 22, 2018

NKBM Group's non-performing loans reached 12.0% of total loans at the end of 2017, down from 17.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 25.8% in 2014 and an all time low of 3.75% in 2008. Provision coverage amou...

NKBM's npls (as % of loans) fell 32.7% to 12.0% in 2017

By Helgi Library - September 22, 2018

NKBM Group's non-performing loans reached 12.0% of total loans at the end of 2017, down from 17.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 25.8% in 2014 and an all time low of 3.75% in 2008. Provision coverage amou...

NKBM's customer deposits rose 0.335% to EUR 3,638 mil in 2017

By Helgi Library - September 22, 2018

NKBM Group's customer deposits reached EUR 3,638 mil in 2017, up 0.335% compared to the previous year. Slovenian banking sector accepted customer deposits of EUR 27.5 bil in 2017, up 5.34% when compared to the last year. NKBM Group accounted for 13.2% of ...

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The Nova Kreditna Banka Maribor (or NKBM) is a Slovenia-based universal bank. The Bank with its subsidiaries is one of the largest Slovenian banking and financial groups, offering a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. The Group is composed of the parent company (Nova KBM), and thirteen other members that operate in Austria, Croatia, Serbia and Slovenia. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 68 branches and 265 ATMs. The Bank was founded in 1862 and is based in Maribor, the Republic of Slovenia.

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Finance

NKBM Group has been growing its revenues and asset by -2.02% and -0.334% a year on average in the last 10 years. Its loans and deposits have grown by -2.84% and 2.06% a year during that time and loans to deposits ratio reached 65.0% at the end of 2017. The company achieved an average return on equity of -20.7% in the last decade with net profit growing -0.894% a year on average. In terms of operating efficiency, its cost to income ratio reached 83.3% in 2017, compared to 66.3% average in the last decade.

Equity represented 14.1% of total assets or 29.5% of loans at the end of 2017. NKBM Group's non-performing loans were 12.0% of total loans while provisions covered some 117% of NPLs at the end of 2017.