NLB Serbia

Profit Statement 2016 2017
Net Interest Income RSD mil 1,798 2,143
Fee Income (As % Of Revenues) % 19.4 16.0
Other Income RSD mil 276 577
Total Revenues RSD mil 2,573 3,236
Staff Cost RSD mil 1,035 958
Operating Profit RSD mil 95.5 443
Provisions RSD mil -173 -5.71
Net Profit RSD mil 261 446
Balance Sheet 2016 2017
Interbank Loans RSD mil 1,374 1,304
Customer Loans RSD mil 19,572 28,231
Debt Securities RSD mil 6,744 6,718
Total Assets RSD mil 34,238 44,121
Shareholders' Equity RSD mil 5,713 7,391
Interbank Borrowing RSD mil 4,716 5,334
Customer Deposits RSD mil 22,739 30,473
Issued Debt Securities RSD mil 0 0
Ratios 2016 2017
ROE % 4.57 6.80
ROA % 0.762 1.14
Costs (As % Of Assets) % 7.24 7.13
Costs (As % Of Income) % 96.3 86.3
Capital Adequacy Ratio % ... 19.9
Net Interest Margin % 5.25 5.47
Loans (As % Of Deposits) % 86.1 92.6
NPLs (As % Of Loans) % 9.90 4.80
Provisions (As % Of NPLs) % 127 127
Growth Rates 2016 2017
Total Revenue Growth % ... 25.8
Operating Cost Growth % ... 12.7
Operating Profit Growth % ... 364
Net Profit Growth % ... 70.9
Customer Loan Growth % ... 44.2
Total Asset Growth % ... 28.9
Customer Deposit Growth % ... 34.0
Shareholders' Equity Growth % ... 29.4
Employees 406 431

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income statement Unit 2016 2017
income statement    
Interest Income RSD mil    
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Provisions RSD mil    
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growth rates    
Net Interest Income Growth % ...  
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market share    
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Market Share in Employees %    
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other data Unit 2016 2017
other data    
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Employees    

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Finance

NLB Serbia has been growing its revenues and asset by 0% and 0% a year on average in the last 3 years. Its loans and deposits have grown by 0% and 0% a year during that time and loans to deposits ratio reached 92.6% at the end of 2017. The company achieved an average return on equity of 5.68% in the last three years with net profit growing 0% a year on average. In terms of operating efficiency, its cost to income ratio reached 86.3% in 2017, compared to 91.3% average in the last three years.

Equity represented 16.8% of total assets or 26.2% of loans at the end of 2017. NLB Serbia's non-performing loans were 4.80% of total loans while provisions covered some 127% of NPLs at the end of 2017.