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OTP Bank Croatia

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OTP Bank Croatia

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summary Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

... ... ... ... ... ... ... ... ...   414 425 418 404 497    
... ... ... ... ... ... ... ... ...   710 582 580 738 695    
... ... ... ... ... ... ... ... ...   346 227 214 316 267    
... ... ... ... ... ... ... ... ...   99.6 100 64.8 155 -79.6    

balance sheet

... ... ... ... ... ... ... ... ...   1,070 615 329 752 767    
... ... ... ... ... ... ... ... ...   8,659 8,574 9,101 10,506 10,508    
... ... ... ... ... ... ... ... ...   1,129 1,854 2,120 2,042 2,064    
                    12,774 13,375 13,739 15,870 15,883    
                    1,393 1,529 1,603 1,751 1,698    
... ... ... ... ... ... ... ... ...   21.3 21.1 20.8 11.1 22.1    
... ... ... ... ... ... ... ... ...   10,318 10,671 10,922 12,702 12,527    
... ... ... ... ... ... ... ... ...   895 911 982 1,151 1,177    

ratios

... ... ... ... ... ... ... ... ...   6.92% 6.85% 4.14% 9.26% -4.62%    
... ... ... ... ... ... ... ... ...   0.780% 0.765% 0.478% 1.05% -0.501%    
... ... ... ... ... ... ... ... ...   2.85% 2.72% 2.70% 2.85% 2.69%    
... ... ... ... ... ... ... ... ...   51.3% 61.1% 63.1% 57.2% 61.5%    
                    14.8% 16.0% 16.7% 16.5% 15.6%    
... ... ... ... ... ... ... ... ...   3.24% 3.25% 3.08% 2.73% 3.13%    
... ... ... ... ... ... ... ... ...   58.3% 72.9% 72.1% 54.8% 71.4%    
... ... ... ... ... ... ... ... ...   15.5% 20.0% 20.5% 16.2% 17.8%    
... ... ... ... ... ... ... ... ...   41.8% 41.8% 42.7% 45.8% 41.8%    
                    10.9% 11.4% 11.7% 11.0% 10.7%    
... ... ... ... ... ... ... ... ...   83.9% 80.3% 83.3% 82.7% 83.9%    
... ... ... ... ... ... ... ... ...   67.8% 64.1% 66.2% 66.2% 66.2%    
... ... ... ... ... ... ... ... ...   11.4% 13.5% 16.2% 19.1% 19.6%    
... ... ... ... ... ... ... ... ...   61.9% 58.3% 52.1% 55.6% 59.6%    

Download Data
income statement Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

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
Dividends HRK mil
... ... ... ... ... ... ... ... ...   725 725 696 650 723    
... ... ... ... ... ... ... ... ...   312 301 278 246 226    
... ... ... ... ... ... ... ... ...   414 425 418 404 497    
... ... ... ... ... ... ... ... ...   110 116 119 119 123    
... ... ... ... ... ... ... ... ...   186 41.6 43.3 214 74.9    
... ... ... ... ... ... ... ... ...   710 582 580 738 695    
... ... ... ... ... ... ... ... ...   152 149 156 193 179    
... ... ... ... ... ... ... ... ...   40.6 35.0 34.4 32.3 35.9    
... ... ... ... ... ... ... ... ...   171 172 175 197 213    
... ... ... ... ... ... ... ... ...   364 356 366 422 428    
... ... ... ... ... ... ... ... ...   346 227 214 316 267    
... ... ... ... ... ... ... ... ...   220 99.1 134 150 416    
... ... ... ... ... ... ... ... ...   0.000 0.000 0.000 0.000 0.000    
... ... ... ... ... ... ... ... ...   125 128 80.1 165 -149    
... ... ... ... ... ... ... ... ...   25.6 27.5 15.2 10.2 69.4    
... ... ... ... ... ... ... ... ...   0.000 0.000 0.000 0.000 0.000    
... ... ... ... ... ... ... ... ...   99.6 100 64.8 155 -79.6    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    

growth rates

... ... ... ... ... ... ... ... ... ... 9.65% 2.68% -1.62% -3.22% 22.8%    
... ... ... ... ... ... ... ... ... ... 2.25% 5.52% 2.03% 0.523% 3.56%    
... ... ... ... ... ... ... ... ... ... 28.6% -17.9% -0.485% 27.3% -5.84%    
... ... ... ... ... ... ... ... ... ... 1.77% -2.34% 2.88% 15.4% 1.28%    
... ... ... ... ... ... ... ... ... ... 78.0% -34.4% -5.76% 47.8% -15.3%    
... ... ... ... ... ... ... ... ... ... 34.9% 1.95% -37.2% 107% -190%    
... ... ... ... ... ... ... ... ... ... 35.9% 0.473% -35.2% 139% -151%    

market share

... ... ... ... ... ... ... ... ...   4.42% 3.92% 4.03% 5.10% 4.78%    
... ... ... ... ... ... ... ... ...   2.63% 3.67% 13.7% 11.3% ...    
... ... ... ... ... ... ... ... ...   4.70% 4.74% 4.71% 5.92% 5.53%    

Download Data
balance sheet Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

... ... ... ... ... ... ... ... ...   1,483 1,840 1,730 2,053 1,993    
... ... ... ... ... ... ... ... ...   1,070 615 329 752 767    
... ... ... ... ... ... ... ... ...   8,659 8,574 9,101 10,506 10,508    
... ... ... ... ... ... ... ... ...   5,883 5,972 6,040 7,398 7,469    
... ... ... ... ... ... ... ... ...   3,432 3,336 3,901 4,360 4,433    
... ... ... ... ... ... ... ... ...   1,129 1,854 2,120 2,042 2,064    
... ... ... ... ... ... ... ... ...   250 243 236 277 279    
                    12,774 13,375 13,739 15,870 15,883    
                    1,393 1,529 1,603 1,751 1,698    
... ... ... ... ... ... ... ... ...   0.384 0.000 0.000 0.000 0.000    
                    11,381 11,846 12,136 14,119 14,185    
... ... ... ... ... ... ... ... ...   21.3 21.1 20.8 11.1 22.1    
... ... ... ... ... ... ... ... ...   10,318 10,671 10,922 12,702 12,527    
... ... ... ... ... ... ... ... ...   9,143 9,407 9,611 11,218 10,946    
... ... ... ... ... ... ... ... ...   1,175 1,264 1,311 1,484 1,580    
... ... ... ... ... ... ... ... ...   2,698 2,777 3,022 3,628 4,342    
... ... ... ... ... ... ... ... ...   7,620 7,894 7,899 9,074 8,185    
... ... ... ... ... ... ... ... ...   895 911 982 1,151 1,177    
... ... ... ... ... ... ... ... ...   147 243 211 254 460    

asset quality

... ... ... ... ... ... ... ... ...   1,059 1,259 1,609 2,251 2,338    
... ... ... ... ... ... ... ... ...   9,315 9,308 9,940 11,758 11,902    
... ... ... ... ... ... ... ... ...   655 734 839 1,252 1,394    

growth rates

... ... ... ... ... ... ... ... ... ... 0.775% -0.988% 6.15% 15.4% 0.018%    
... ... ... ... ... ... ... ... ... ... 3.04% 1.51% 1.14% 22.5% 0.959%    
... ... ... ... ... ... ... ... ... ... 2.38% -2.79% 16.9% 11.8% 1.68%    
...                   0.087% 4.70% 2.72% 15.5% 0.081%    
...                   -6.25% 9.75% 4.83% 9.25% -3.05%    
... ... ... ... ... ... ... ... ... ... 3.12% 3.42% 2.35% 16.3% -1.38%    
... ... ... ... ... ... ... ... ... ... 3.45% 2.89% 2.17% 16.7% -2.43%    
... ... ... ... ... ... ... ... ... ... 0.647% 7.56% 3.72% 13.2% 6.52%    

market share

... ... ... ... ... ... ... ... ...   3.44% 3.63% 3.89% 4.58% 4.72%    
... ... ... ... ... ... ... ... ...   3.07% 3.46% 4.08% 4.74% 5.08%    
... ... ... ... ... ... ... ... ...   4.59% 4.73% 4.89% 6.05% 6.20%    
                    3.07% 3.26% 3.31% 3.79% 3.81%    
... ... ... ... ... ... ... ... ...   4.68% 4.70% 4.62% 5.20% 4.87%    
... ... ... ... ... ... ... ... ...   5.36% 5.29% 5.36% 6.13% 5.83%    
... ... ... ... ... ... ... ... ...   2.44% 2.81% 3.10% 3.39% 2.98%    

Download Data
ratios Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

... ... ... ... ... ... ... ... ...   6.92% 6.85% 4.14% 9.26% -4.62%    
... ... ... ... ... ... ... ... ...   0.780% 0.765% 0.478% 1.05% -0.501%    
... ... ... ... ... ... ... ... ...   2.85% 2.72% 2.70% 2.85% 2.69%    
... ... ... ... ... ... ... ... ...   51.3% 61.1% 63.1% 57.2% 61.5%    
                    14.8% 16.0% 16.7% 16.5% 15.6%    
... ... ... ... ... ... ... ... ...   14.8% 16.0% 16.7% 16.5% 15.6%    
... ... ... ... ... ... ... ... ...   3.24% 3.25% 3.08% 2.73% 3.13%    
... ... ... ... ... ... ... ... ...   2.93% 2.96% 2.81% 2.52% 2.95%    
... ... ... ... ... ... ... ... ...   5.68% 5.55% 5.13% 4.39% 4.55%    
... ... ... ... ... ... ... ... ...   2.75% 2.59% 2.32% 1.87% 1.60%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ...   58.3% 72.9% 72.1% 54.8% 71.4%    
... ... ... ... ... ... ... ... ...   15.5% 20.0% 20.5% 16.2% 17.8%    
... ... ... ... ... ... ... ... ...   26.2% 7.14% 7.47% 29.1% 10.8%    
... ... ... ... ... ... ... ... ...   2,307 2,067 2,228 2,164 1,932    
... ... ... ... ... ... ... ... ...   12,340 12,094 12,718 12,834 12,873    
... ... ... ... ... ... ... ... ...   41.8% 41.8% 42.7% 45.8% 41.8%    
                    10.9% 11.4% 11.7% 11.0% 10.7%    
... ... ... ... ... ... ... ... ...   83.9% 80.3% 83.3% 82.7% 83.9%    
... ... ... ... ... ... ... ... ...   67.8% 64.1% 66.2% 66.2% 66.2%    
... ... ... ... ... ... ... ... ...   11.4% 13.5% 16.2% 19.1% 19.6%    
... ... ... ... ... ... ... ... ...   61.9% 58.3% 52.1% 55.6% 59.6%    
... ... ... ... ... ... ... ... ...   7.57% 8.56% 9.22% 11.9% 13.3%    
... ... ... ... ... ... ... ... ...   2.55% 1.15% 1.51% 1.53% 3.96%    

Download Data
other data Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ... ... ...   1,028 1,025 1,023 1,255 1,157    
... ... ... ... ... ... ... ... ...   26.1% 26.0% 27.7% 28.6% 34.7%    

Download Data
Comparison of 27 Banks in Croatia

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.

OTP Bank Croatia in Numbers

September 26, 2018
OTP Bank Croatia in Numbers

This Annual statistical dossier offers a summary of OTP Bank Croatia's performance between 2001 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

Read more »

This Annual statistical dossier offers a summary of OTP Bank Croatia's performance between 2001 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 OTP Bank 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.

Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to

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Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to the previous year. Historically, the bank’s loans reached an all time high of 84,340 in 2015 and an all time low of 14,598 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb customer loans amounted to 65,177, Erste & Steiermarkische Bank operated with 43,656 loans and Raiffeisenbank Croatia had a loan portfolio of 18,504.

Croatian banking sector provided total customer loans of CZK 215 bil in 2016, down 3.47% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 37.6% of the sector’s loans in 2016. The top 3 companies held a 88.3% share while the five largest firms some 104% in 2016.

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

Based on a comparison of 15 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,

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Based on a comparison of 15 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 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 6,686 persons in 2010 and an all time low of 5,424 in 2017.

Average cost reached HRK 17,315 per month per month per employee, 3.23% more than a year ago. This figure was HRK 13,990 per month some 10 years ago.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb had 4,922 employees with average cost of HRK 18,658 per month per person, Erste & Steiermarkische Bank operated with 3,170 people (and HRK 17,561 per month per employee) and Raiffeisenbank Croatia had 2,261 employees in 2017 with cost HRK 2,261 per month per head.

Croatian banking sector employed 20,434 people in 2017. The average staff cost per employee reached HRK 15,871 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka was the largest bank by assets, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka assets reached 126,893, down 1.12% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka was the largest bank by assets, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka assets reached 126,893, down 1.12% when compared to the last year. Historically, the bank’s assets reached an all time high of 128,328 in 2016 and an all time low of 37,196 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb assets amounted to 102,912, Erste & Steiermarkische Bank operated with 65,925 assets and Raiffeisenbank Croatia had total assets of 34,178.

Total assets of the Croatian banking sector amounted to HRK 401 bil in 2017, up 0.706% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 31.6% of the sector’s assets in 2017. The top 3 companies held a 73.7% share while the five largest firms some 88.9% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Croatian banks in the report section.

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OTP Bank Croatia's corporate deposits rose 31.7% to HRK 2,352 mil in 2017
OTP Bank Croatia's customer loans rose 4.07% to HRK 10,739 mil in 2017
OTP Bank Croatia's customer deposits rose 4.63% to HRK 13,182 mil in 2017
OTP Bank Croatia's total revenues fell 2.15% to HRK 774 mil in 2017
OTP Bank Croatia's capital adequacy ratio rose 1.19% to 16.9% in 2017
OTP Bank Croatia's net profit fell 57.7% to HRK 52.2 mil in 2017
OTP Bank Croatia's net profit fell 57.7% to HRK 52.2 mil in 2017
OTP Bank Croatia's net interest income rose 2.22% to HRK 558 mil in 2017
OTP Bank Croatia's npls (as % of loans) fell 16.8% to 14.5% in 2017
OTP Bank Croatia's net interest margin fell 8.53% to 3.16% in 2017