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NKBM Group

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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summary

Unit

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income statement

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

136	106	74.6	111	98.1
195	170	199	190	175
53.5	49.2	67.8	82.5	65.3
-82.4	-206	-630	21.9	16.6

balance sheet

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

177	162	104	50.1	61.2
3,844	3,398	2,232	1,921	1,808
1,305	1,257	1,841	1,708	2,098
5,816	5,322	4,811	4,369	4,246
436	253	560	616	623
1,271	1,168	958	415	346
3,765	3,619	3,079	3,077	3,095
237	185	136	121	53.2

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)	%

			-18.9%	-59.7%	-155%	3.72%	2.67%
			-1.41%	-3.69%	-12.4%	0.477%	0.385%
			2.43%	2.16%	2.58%	2.34%	2.55%
			72.6%	71.0%	65.9%	56.6%	62.7%
...			10.8%	9.17%	18.3%	23.3%	25.1%
			2.32%	1.90%	1.47%	2.41%	2.28%
			69.5%	62.4%	37.5%	58.3%	56.1%
			28.9%	34.7%	28.5%	29.4%	31.1%
			44.7%	50.8%	42.1%	46.3%	41.3%
			7.49%	4.76%	11.6%	14.1%	14.7%
			102%	93.9%	72.5%	62.4%	58.4%
			66.1%	63.8%	46.4%	44.0%	42.6%
...	...	...	16.2%	23.2%	21.9%	25.8%	25.2%
...	...	...	46.6%	68.5%	95.6%	94.4%	101%

Download Data

income statement

Unit

2003

2004

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income statement

Interest Income	EUR mil
Interest Cost	EUR mil
Net Interest Income	EUR mil
Net Fee Income	EUR mil
Other Income	EUR mil
Total Revenues	EUR mil
Staff Cost	EUR mil
Depreciation	EUR mil
Other Cost	EUR mil
Operating Cost	EUR mil
Operating Profit	EUR mil
Provisions	EUR mil
Extra and Other Cost	EUR mil
Pre-Tax Profit	EUR mil
Tax	EUR mil
Minorities	EUR mil
Net Profit	EUR mil

263	228	173	161	122
127	122	98.0	50.5	24.2
136	106	74.6	111	98.1
56.4	58.8	56.6	56.0	54.5
3.20	5.02	67.5	23.4	22.4
195	170	199	190	175
63.4	61.2	55.2	49.8	45.4
16.6	16.4	15.6	14.5	12.7
61.7	42.8	60.1	43.4	51.7
142	121	131	108	110
53.5	49.2	67.8	82.5	65.3
175	309	721	44.5	39.1
-19.3	-20.7	0	0	0
-103	-240	-653	38.0	26.2
-21.4	-12.5	32.0	14.7	9.21
1.32	-0.108	-54.5	1.38	0.393
-82.4	-206	-630	21.9	16.6

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	%

...	-7.95%	-21.9%	-29.5%	48.4%	-11.4%
...	-10.5%	4.20%	-3.82%	-1.05%	-2.65%
...	-11.8%	-13.1%	17.1%	-4.34%	-7.90%
...	-1.51%	-15.0%	8.61%	-17.8%	2.01%
...	-31.0%	-8.07%	37.9%	21.6%	-20.8%
...	-670%	134%	172%	-106%	-31.1%
...	-865%	149%	207%	-103%	-24.3%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Branches	%

								13.5%	10.8%	18.2%	15.4%	15.1%
							...	...	...	...	...	14.4%
...	...	...	...					25.3%	17.6%	16.5%	16.4%	15.2%
...	...	...	...	...				12.2%	12.1%	12.3%	12.9%	...	...	...
			...		...	...		10.8%	10.5%	10.8%	10.8%	10.5%

Download Data

balance sheet

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balance sheet

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

								147	224	461	422	323
								177	162	104	50.1	61.2
								3,844	3,398	2,232	1,921	1,808
...	...	...	...	...	...	...	...	1,094	1,116	1,015	931	946
...	...	...	...	...	...	...	...	2,750	2,282	1,217	990	862
								1,305	1,257	1,841	1,708	2,098
								128	124	107	86.9	79.1
								5,816	5,322	4,811	4,369	4,246
								436	253	560	616	623
								41.5	43.0	-6.64	2.92	3.12
								5,381	5,069	4,251	3,753	3,623
								1,271	1,168	958	415	346
								3,765	3,619	3,079	3,077	3,095
...	...	...	...	...	...	...	...	...	...	2,422	2,481	2,452
...	...	...	...	...	...	...	...	...	...	658	596	643
...	...	...	...	...	...	...	...	...	...	2,093	2,055	2,233
...	...	...	...	...	...	...	...	...	...	982	1,019	862
								237	185	136	121	53.2
								108	96.9	77.7	139	129

asset quality

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

...	...	...	673	937	617	656	612
			4,158	4,039	2,822	2,540	2,429
			314	641	590	619	621

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	%

...								-4.73%	-11.6%	-34.3%	-13.9%	-5.86%
...	...	...	...	...	...	...	...	...	1.96%	-9.08%	-8.24%	1.62%
...	...	...	...	...	...	...	...	...	-17.0%	-46.7%	-18.7%	-12.9%
...								-0.860%	-8.50%	-9.60%	-9.18%	-2.81%
...								-0.780%	-41.9%	121%	10.1%	1.09%
...								1.41%	-3.89%	-14.9%	-0.079%	0.601%
...	...	...	...	...	...	...	...	...	...	...	2.44%	-1.15%
...	...	...	...	...	...	...	...	...	...	...	-9.34%	7.90%

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	%

								11.6%	11.0%	9.17%	8.92%	8.92%
...	...	...	...	...	...	...	...	15.0%	13.9%	10.6%	10.8%	10.5%
...	...	...	...	...	...	...	...	12.1%	12.6%	12.0%	11.2%	11.2%
								11.8%	11.5%	11.9%	11.3%	11.4%
								15.3%	15.2%	13.7%	12.6%	12.3%
...	...	...	...	...	...	...	...	...	...	16.9%	16.4%	15.8%
...	...	...	...	...	...	...	...	...	...	15.7%	12.8%	13.8%

Download Data

ratios

Unit

2003

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	%
Tier 1 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)	EUR 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)	%

							-18.9%	-59.7%	-155%	3.72%	2.67%
							-1.41%	-3.69%	-12.4%	0.477%	0.385%
							2.43%	2.16%	2.58%	2.34%	2.55%
							72.6%	71.0%	65.9%	56.6%	62.7%
...							10.8%	9.17%	18.3%	23.3%	25.1%
...			...	...	...	...	7.81%	8.17%	18.1%	23.3%	25.1%
							2.32%	1.90%	1.47%	2.41%	2.28%
...							2.15%	1.76%	1.30%	2.25%	2.18%
							4.50%	4.09%	3.41%	3.51%	2.84%
...							2.35%	2.34%	2.10%	1.26%	0.657%
							69.5%	62.4%	37.5%	58.3%	56.1%
							28.9%	34.7%	28.5%	29.4%	31.1%
							1.64%	2.96%	34.0%	12.3%	12.8%
...	...	...	...				2,455	3,232	3,288	3,054	2,724
...	...	...	...				1,766	2,517	2,476	2,369	2,376
							44.7%	50.8%	42.1%	46.3%	41.3%
							7.49%	4.76%	11.6%	14.1%	14.7%
							102%	93.9%	72.5%	62.4%	58.4%
							66.1%	63.8%	46.4%	44.0%	42.6%
...	...	...					16.2%	23.2%	21.9%	25.8%	25.2%
...	...	...					46.6%	68.5%	95.6%	94.4%	101%
							8.16%	18.9%	26.4%	32.2%	34.3%
							4.45%	8.55%	25.6%	2.14%	2.10%

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other data

Unit

2003

2004

2005

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2017

other data

Branches
Employees
ATMs
Payment Cards	'000
Sight (As % Of Customer Deposits)	%

			...		...	...		74.0	73.0	68.0	64.0	62.0
...	...	...	...					2,991	2,027	1,856	1,751	1,591
...	...		...					261	265	258	258	265
...	...	...	...	...				401	399	402	408	...	...	...
...	...	...	...	...	...	...	...	...	...	68.0%	66.8%	72.1%

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Comparison of 10 Banks in Slovenia

October 24, 2018

This Annual Statistical Dossier offers a comparison of 10 Slovenian 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 10 Slovenian 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.

NKBM Group in Numbers

September 26, 2018

This Annual statistical dossier offers a summary of NKBM Group's performance between 2003 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

This Annual statistical dossier offers a summary of NKBM Group's performance between 2003 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 NKBM'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.

Nova Kreditna Banka Maribor at a Glance

July 17, 2014

This report offers a summary of the bank's performance in 2003-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovenia

Nova Kreditna Banka Maribor in Numbers

July 11, 2014

This excel file offers a summary of the bank's performance in 2003-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovenia

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What Banks in Slovenia Were the Most Profitable in 2017?

October 1, 2018

Based on a comparison of 10 banks in Slovenia, Nova Ljubljanska banka produced the highest net profit in 2017, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka made a net profit of EUR 225 mil, up 105% compared to

Based on a comparison of 10 banks in Slovenia, Nova Ljubljanska banka produced the highest net profit in 2017, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka made a net profit of EUR 225 mil, up 105% compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 225 mil in 2017 and an all time low of EUR -1,442 mil in 2013. The average profit in the last five years amounted to EUR -190 mil.

The bank generated an average return on equity of -17.2% for its shareholders in the last five years with a maximum of 14.3% and a minimum of -119%.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group generated a net profit of EUR 47.8 mil with a ROE of 6.93% in 2017, SKB Banka netted EUR 43.4 mil (ROE of 11.4%) and Abanka Group announced a net profit of EUR 41.6 mil giving a ROE of 6.95%.

The net profit of the Slovenia’s banking sector amounted to EUR 425 mil in 2017, up 28.0% compared to the previous year. Heading up the rankings, Nova Ljubljanska banka accounted for 53.0% of the sector’s net profit in 2017. The top 3 companies held a 74.4% share while the five largest firms some 92.7% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Slovenian banks in the report section.

What Banks in Slovenia Generated the Most Revenues in 2017?

October 1, 2018

Based on a comparison of 10 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest revenues, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total revenues of EUR 489 mil, up 2.71% compared

Based on a comparison of 10 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest revenues, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total revenues of EUR 489 mil, up 2.71% 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 EUR 688 mil in 2008 and an all time low of EUR 69.3 mil in 2013. The average revenue in the last five years amounted to EUR 407 mil.

Bank's total revenues accounted for 3.99% of total assets in 2017, up from 3.95% a year earlier.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group generated total revenues of EUR 143 mil, or 2.90% of assets in 2017, Abanka Group operated with EUR 120 mil total income, or 3.29% revenue margin and SKB Banka produced total income worth EUR 111 mil, or 3.49% of assets.

Slovenian banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the previous year. As a result, the top ranked company - Nova Ljubljanska banka accounted for 45.5% of the sector’s total income in 2017. The top 3 companies held a 70.0% share while the five largest firms some 86.9% in 2017.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Slovenian banks in the report section.

What Banks in Slovenia Generated the Most Fees in 2017?

October 1, 2018

Based on a comparison of 10 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest fee income, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total fee income of EUR 155 mil, up 6.66%

Based on a comparison of 10 banks in Slovenia in 2017, Nova Ljubljanska banka generated the largest fee income, followed by NKBM Group and Abanka Group.

Nova Ljubljanska banka reported total fee income of EUR 155 mil, up 6.66% compared to the previous year. Historically, the bank’s fee income reached an all time high of EUR 166 mil in 2008 and an all time low of EUR 66.3 mil in 2000.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group generated total fee income of EUR 45.5 mil, Abanka Group operated with EUR 40.6 mil fee income and Intesa Sanpaolo Bank Slovenia produced total fees worth EUR 25.0 mil.

You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the Slovenian banks in the report section.

What Banks in Slovenia Were the Largest Lenders in 2017?

October 1, 2018

Based on a comparison of 10 banks in Slovenia in 2017, Nova Ljubljanska banka was the largest lender, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka loans reached EUR 6,995 mil, down 0.041% compared to the previous

Based on a comparison of 10 banks in Slovenia in 2017, Nova Ljubljanska banka was the largest lender, followed by NKBM Group and SKB Banka.

Nova Ljubljanska banka loans reached EUR 6,995 mil, down 0.041% compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 12,917 mil in 2008 and an all time low of EUR 2,783 mil in 2000.

Comparing Nova Ljubljanska banka with its closest peers, NKBM Group customer loans amounted to EUR 2,366 mil, SKB Banka operated with EUR 2,282 mil loans and Abanka Group had a loan portfolio of EUR 1,967 mil.

Slovenian banking sector provided total customer loans of CZK 21.5 bil in 2017, up 4.82% when compared to the last year. As a result, the top ranked company - Nova Ljubljanska banka accounted for 32.5% of the sector’s loans in 2017. The top 3 companies held a 54.1% share while the five largest firms some 71.8% in 2017.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Slovenian banks in the report section.

See all charts of the company »

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

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

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

NKBM's branches fell 1.64% to 60.0 in 2017

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

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

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

NKBM's customer loans rose 20.5% to EUR 2,366 mil in 2017

NKBM's capital adequacy ratio fell 15.9% to 20.2% in 2017

NKBM's net interest income fell 10.5% to EUR 82.6 mil in 2017