By Helgi Analytics - 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...
By Helgi Analytics - 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...
By Helgi Analytics - September 22, 2018
NKBM Group generated total banking revenues of EUR 143 mil in 2017, down 5.22% compared to the previous year. Slovenian ba...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 98.1 | 92.3 | 82.6 |
| Fee Income (As % Of Revenues) | % | 31.1 | 28.1 | 31.8 |
| 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 | |
Get all company financials in excel:
| 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 |
| 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:
By Helgi Analytics - 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...
By Helgi Analytics - 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 ...
By Helgi Analytics - 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...
By Helgi Analytics - September 22, 2018
NKBM Group's customer loans reached EUR 2,366 mil in 2017, up 20.5% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. NKBM Group accounted for 11.0% of all cus...
By Helgi Analytics - 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 ...
By Helgi Analytics - September 22, 2018
NKBM Group's capital adequacy ratio reached 20.2% at the end of 2017, down from 24.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 25.1% in 2015 and an all time low of 9.17% in 2012. The Tier 1 ratio amounted t...
By Helgi Analytics - September 22, 2018
NKBM Group generated total banking revenues of EUR 143 mil in 2017, down 5.22% 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 289 mil in 2005 and an all ...
By Helgi Analytics - September 22, 2018
NKBM Group's retail deposits reached EUR 2,797 mil in 2017, up 1.69% compared to the previous year. Slovenian banking sector accepted retail deposits of EUR 17.5 bil in 2017, up 5.65% when compared to the last year. NKBM Group accounted for 15.9% of all r...
By Helgi Analytics - September 22, 2018
NKBM Group's cost to income ratio reached 83.3% in 2017, up from 72.7% compared to the previous year. Historically, the bank’s costs reached an all time high of 83.3% of income in 2017 and an all time low of 56.6% in 2014. When compared to total assets, ba...
By Helgi Analytics - September 22, 2018
NKBM Group's corporate deposits reached EUR 842 mil in 2017, down 3.91% compared to the previous year. Slovenian banking sector accepted corporate deposits of EUR 6.37 bil in 2017, up 38.5% when compared to the last year. NKBM Group accounted for 13.2% of...
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.
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.
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