OTP Bank Croatia

OTP Bank Croatia's corporate deposits rose 31.7% to HRK 2,352 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's corporate deposits reached HRK 2,352 mil in 2017, up 31.7% compared to the previous year. Croatian banking s...

OTP Bank Croatia's customer deposits rose 4.63% to HRK 13,182 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's customer deposits reached HRK 13,182 mil in 2017, up 4.63% compared to the previous year. Croatian banking s...

OTP Bank Croatia's customer loans rose 4.07% to HRK 10,739 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's customer loans reached HRK 10,739 mil in 2017, up 4.07% compared to the previous year. Croatian banking sect...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 497 546 558
Fee Income (As % Of Revenues) % 17.8 15.4 16.1
Other Income HRK mil 74.9 124 91.6
Total Revenues HRK mil 695 791 774
Staff Cost HRK mil 179 188 294
Operating Profit HRK mil 267 364 217
Provisions HRK mil 416 211 152
Net Profit HRK mil -79.6 123 52.2
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 767 134 117
Customer Loans HRK mil 10,508 10,319 10,739
Debt Securities HRK mil 2,064 2,168 1,892
Total Assets HRK mil 15,883 15,749 19,599
Shareholders' Equity HRK mil 1,698 1,799 5,037
Interbank Borrowing HRK mil 22.1 20.6 27.3
Customer Deposits HRK mil 12,527 12,599 13,182
Issued Debt Securities HRK mil 1,177 1,060 950
Ratios 2015 2016 2017
ROE % -4.62 7.06 1.53
ROA % -0.501 0.780 0.295
Costs (As % Of Assets) % 2.69 2.70 3.15
Costs (As % Of Income) % 61.5 54.0 72.0
Capital Adequacy Ratio % 15.6 16.7 16.9
Net Interest Margin % 3.13 3.45 3.16
Loans (As % Of Deposits) % 83.9 81.9 81.5
NPLs (As % Of Loans) % 19.6 17.4 14.5
Provisions (As % Of NPLs) % 59.6 73.9 73.8
Growth Rates 2015 2016 2017
Total Revenue Growth % -5.84 13.8 -2.15
Operating Cost Growth % 1.28 < 0.001 30.3
Operating Profit Growth % -15.3 36.0 -40.4
Net Profit Growth % -151 -255 -57.7
Customer Loan Growth % 0.018 -1.80 4.07
Total Asset Growth % 0.081 -0.840 24.4
Customer Deposit Growth % -1.38 0.579 4.63
Shareholders' Equity Growth % -3.05 5.96 180
Employees 1,157 1,150 1,162

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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                                  
Net Interest Income HRK mil ... ... ... ... ... ... ... ... ...   414 425 418 404 497    
Total Revenues HRK mil ... ... ... ... ... ... ... ... ...   710 582 580 738 695    
Operating Profit HRK mil ... ... ... ... ... ... ... ... ...   346 227 214 316 267    
Net Profit HRK mil ... ... ... ... ... ... ... ... ...   99.6 100 64.8 155 -79.6    
balance sheet                                  
Interbank Loans HRK mil ... ... ... ... ... ... ... ... ...   1,070 615 329 752 767    
Customer Loans HRK mil ... ... ... ... ... ... ... ... ...   8,659 8,574 9,101 10,506 10,508    
Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   1,129 1,854 2,120 2,042 2,064    
Total Assets HRK mil                     12,774 13,375 13,739 15,870 15,883    
Shareholders' Equity HRK mil                     1,393 1,529 1,603 1,751 1,698    
Interbank Borrowing HRK mil ... ... ... ... ... ... ... ... ...   21.3 21.1 20.8 11.1 22.1    
Customer Deposits HRK mil ... ... ... ... ... ... ... ... ...   10,318 10,671 10,922 12,702 12,527    
Issued Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   895 911 982 1,151 1,177    
ratios                                  
ROE % ... ... ... ... ... ... ... ... ...   6.92 6.85 4.14 9.26 -4.62    
ROA % ... ... ... ... ... ... ... ... ...   0.780 0.765 0.478 1.05 -0.501    
Costs (As % Of Assets) % ... ... ... ... ... ... ... ... ...   2.85 2.72 2.70 2.85 2.69    
Costs (As % Of Income) % ... ... ... ... ... ... ... ... ...   51.3 61.1 63.1 57.2 61.5    
Capital Adequacy Ratio %                     14.8 16.0 16.7 16.5 15.6    
Net Interest Margin % ... ... ... ... ... ... ... ... ...   3.24 3.25 3.08 2.73 3.13    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   58.3 72.9 72.1 54.8 71.4    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   15.5 20.0 20.5 16.2 17.8    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ...   41.8 41.8 42.7 45.8 41.8    
Equity (As % Of Assets) %                     10.9 11.4 11.7 11.0 10.7    
Loans (As % Of Deposits) % ... ... ... ... ... ... ... ... ...   83.9 80.3 83.3 82.7 83.9    
Loans (As % Assets) % ... ... ... ... ... ... ... ... ...   67.8 64.1 66.2 66.2 66.2    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ...   11.4 13.5 16.2 19.1 19.6    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...   61.9 58.3 52.1 55.6 59.6    
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 ... ... ... ... ... ... ... ... ...   725 725 696 650 723    
Interest Cost HRK mil ... ... ... ... ... ... ... ... ...   312 301 278 246 226    
Net Interest Income HRK mil ... ... ... ... ... ... ... ... ...   414 425 418 404 497    
Net Fee Income HRK mil ... ... ... ... ... ... ... ... ...   110 116 119 119 123    
Other Income HRK mil ... ... ... ... ... ... ... ... ...   186 41.6 43.3 214 74.9    
Total Revenues HRK mil ... ... ... ... ... ... ... ... ...   710 582 580 738 695    
Staff Cost HRK mil ... ... ... ... ... ... ... ... ...   152 149 156 193 179    
Depreciation HRK mil ... ... ... ... ... ... ... ... ...   40.6 35.0 34.4 32.3 35.9    
Other Cost HRK mil ... ... ... ... ... ... ... ... ...   171 172 175 197 213    
Operating Cost HRK mil ... ... ... ... ... ... ... ... ...   364 356 366 422 428    
Operating Profit HRK mil ... ... ... ... ... ... ... ... ...   346 227 214 316 267    
Provisions HRK mil ... ... ... ... ... ... ... ... ...   220 99.1 134 150 416    
Extra and Other Cost HRK mil ... ... ... ... ... ... ... ... ...   0 0 0 0 0    
Pre-Tax Profit HRK mil ... ... ... ... ... ... ... ... ...   125 128 80.1 165 -149    
Tax HRK mil ... ... ... ... ... ... ... ... ...   25.6 27.5 15.2 10.2 69.4    
Minorities HRK mil ... ... ... ... ... ... ... ... ...   0 0 0 0 0    
Net Profit HRK mil ... ... ... ... ... ... ... ... ...   99.6 100 64.8 155 -79.6    
Dividends HRK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
growth rates                                  
Net Interest Income Growth % ... ... ... ... ... ... ... ... ... ... 9.65 2.68 -1.62 -3.22 22.8    
Net Fee Income Growth % ... ... ... ... ... ... ... ... ... ... 2.25 5.52 2.03 0.523 3.56    
Total Revenue Growth % ... ... ... ... ... ... ... ... ... ... 28.6 -17.9 -0.485 27.3 -5.84    
Operating Cost Growth % ... ... ... ... ... ... ... ... ... ... 1.77 -2.34 2.88 15.4 1.28    
Operating Profit Growth % ... ... ... ... ... ... ... ... ... ... 78.0 -34.4 -5.76 47.8 -15.3    
Pre-Tax Profit Growth % ... ... ... ... ... ... ... ... ... ... 34.9 1.95 -37.2 107 -190    
Net Profit Growth % ... ... ... ... ... ... ... ... ... ... 35.9 0.473 -35.2 139 -151    
market share                                  
Market Share in Revenues % ... ... ... ... ... ... ... ... ...   4.42 3.92 4.03 5.10 4.78    
Market Share in Net Profit % ... ... ... ... ... ... ... ... ...   2.63 3.67 13.7 11.3 ...    
Market Share in Employees % ... ... ... ... ... ... ... ... ...   4.70 4.74 4.71 5.92 5.53    
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                  
Cash HRK mil ... ... ... ... ... ... ... ... ...   1,483 1,840 1,730 2,053 1,993    
Interbank Loans HRK mil ... ... ... ... ... ... ... ... ...   1,070 615 329 752 767    
Customer Loans HRK mil ... ... ... ... ... ... ... ... ...   8,659 8,574 9,101 10,506 10,508    
Retail Loans HRK mil ... ... ... ... ... ... ... ... ...   5,883 5,972 6,040 7,398 7,469    
Corporate Loans HRK mil ... ... ... ... ... ... ... ... ...   3,432 3,336 3,901 4,360 4,433    
Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   1,129 1,854 2,120 2,042 2,064    
Fixed Assets HRK mil ... ... ... ... ... ... ... ... ...   250 243 236 277 279    
Total Assets HRK mil                     12,774 13,375 13,739 15,870 15,883    
Shareholders' Equity HRK mil                     1,393 1,529 1,603 1,751 1,698    
Of Which Minority Interest HRK mil ... ... ... ... ... ... ... ... ...   0.384 0 0 0 0    
Liabilities HRK mil                     11,381 11,846 12,136 14,119 14,185    
Interbank Borrowing HRK mil ... ... ... ... ... ... ... ... ...   21.3 21.1 20.8 11.1 22.1    
Customer Deposits HRK mil ... ... ... ... ... ... ... ... ...   10,318 10,671 10,922 12,702 12,527    
Retail Deposits HRK mil ... ... ... ... ... ... ... ... ...   9,143 9,407 9,611 11,218 10,946    
Corporate Deposits HRK mil ... ... ... ... ... ... ... ... ...   1,175 1,264 1,311 1,484 1,580    
Sight Deposits HRK mil ... ... ... ... ... ... ... ... ...   2,698 2,777 3,022 3,628 4,342    
Term Deposits HRK mil ... ... ... ... ... ... ... ... ...   7,620 7,894 7,899 9,074 8,185    
Issued Debt Securities HRK mil ... ... ... ... ... ... ... ... ...   895 911 982 1,151 1,177    
Other Liabilities HRK mil ... ... ... ... ... ... ... ... ...   147 243 211 254 460    
asset quality                                  
Non-Performing Loans HRK mil ... ... ... ... ... ... ... ... ...   1,059 1,259 1,609 2,251 2,338    
Gross Loans HRK mil ... ... ... ... ... ... ... ... ...   9,315 9,308 9,940 11,758 11,902    
Total Provisions HRK mil ... ... ... ... ... ... ... ... ...   655 734 839 1,252 1,394    
growth rates                                  
Customer Loan Growth % ... ... ... ... ... ... ... ... ... ... 0.775 -0.988 6.15 15.4 0.018    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... 3.04 1.51 1.14 22.5 0.959    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... 2.38 -2.79 16.9 11.8 1.68    
Total Asset Growth % ...                   0.087 4.70 2.72 15.5 0.081    
Shareholders' Equity Growth % ...                   -6.25 9.75 4.83 9.25 -3.05    
Customer Deposit Growth % ... ... ... ... ... ... ... ... ... ... 3.12 3.42 2.35 16.3 -1.38    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... 3.45 2.89 2.17 16.7 -2.43    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... 0.647 7.56 3.72 13.2 6.52    
market share                                  
Market Share in Customer Loans % ... ... ... ... ... ... ... ... ...   3.44 3.63 3.89 4.58 4.72    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ...   3.07 3.46 4.08 4.74 5.08    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ...   4.59 4.73 4.89 6.05 6.20    
Market Share in Total Assets %                     3.07 3.26 3.31 3.79 3.81    
Market Share in Customer Deposits % ... ... ... ... ... ... ... ... ...   4.68 4.70 4.62 5.20 4.87    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...   5.36 5.29 5.36 6.13 5.83    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...   2.44 2.81 3.10 3.39 2.98    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                  
ROE % ... ... ... ... ... ... ... ... ...   6.92 6.85 4.14 9.26 -4.62    
ROA % ... ... ... ... ... ... ... ... ...   0.780 0.765 0.478 1.05 -0.501    
Costs (As % Of Assets) % ... ... ... ... ... ... ... ... ...   2.85 2.72 2.70 2.85 2.69    
Costs (As % Of Income) % ... ... ... ... ... ... ... ... ...   51.3 61.1 63.1 57.2 61.5    
Capital Adequacy Ratio %                     14.8 16.0 16.7 16.5 15.6    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...   14.8 16.0 16.7 16.5 15.6    
Net Interest Margin % ... ... ... ... ... ... ... ... ...   3.24 3.25 3.08 2.73 3.13    
Interest Spread % ... ... ... ... ... ... ... ... ...   2.93 2.96 2.81 2.52 2.95    
Asset Yield % ... ... ... ... ... ... ... ... ...   5.68 5.55 5.13 4.39 4.55    
Cost Of Liabilities % ... ... ... ... ... ... ... ... ...   2.75 2.59 2.32 1.87 1.60    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   58.3 72.9 72.1 54.8 71.4    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   15.5 20.0 20.5 16.2 17.8    
Other Income (As % Of Revenues) % ... ... ... ... ... ... ... ... ...   26.2 7.14 7.47 29.1 10.8    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ...   2,307 2,067 2,228 2,164 1,932    
Cost Per Employee (Local Currency) HRK per month ... ... ... ... ... ... ... ... ...   12,340 12,094 12,718 12,834 12,873    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ...   41.8 41.8 42.7 45.8 41.8    
Equity (As % Of Assets) %                     10.9 11.4 11.7 11.0 10.7    
Loans (As % Of Deposits) % ... ... ... ... ... ... ... ... ...   83.9 80.3 83.3 82.7 83.9    
Loans (As % Assets) % ... ... ... ... ... ... ... ... ...   67.8 64.1 66.2 66.2 66.2    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ...   11.4 13.5 16.2 19.1 19.6    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...   61.9 58.3 52.1 55.6 59.6    
Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ...   7.57 8.56 9.22 11.9 13.3    
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ... ... ...   2.55 1.15 1.51 1.53 3.96    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                  
Employees ... ... ... ... ... ... ... ... ...   1,028 1,025 1,023 1,255 1,157    
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ...   26.1 26.0 27.7 28.6 34.7    

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OTP Bank Croatia's total revenues fell 2.15% to HRK 774 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia generated total banking revenues of HRK 774 mil in 2017, down 2.15% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 16,001 mil in 2017, down 1.51% when compared to the last year. ...

OTP Bank Croatia's capital adequacy ratio rose 1.19% to 16.9% in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's capital adequacy ratio reached 16.9% at the end of 2017, up from 16.7% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.9% in 2017 and an all time low of 14.8% in 2011. The Tier 1 ratio amount...

OTP Bank Croatia's npls (as % of loans) fell 16.8% to 14.5% in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's non-performing loans reached 14.5% of total loans at the end of 2017, down from 17.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 19.6% in 2015 and an all time low of 10.3% in 2010. Provision coverag...

OTP Bank Croatia's net interest income rose 2.22% to HRK 558 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia generated total banking revenues of HRK 774 mil in 2017, down 2.15% 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 HRK 791 mil in 2016 and a...

OTP Bank Croatia's net profit fell 57.7% to HRK 52.2 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia made a net profit of HRK 52.2 mil under revenues of HRK 774 mil in 2017, up -57.7% and -2.15% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 155 mil in 2014 and an all time low of HRK -...

OTP Bank Croatia's net interest margin fell 8.53% to 3.16% in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's net interest margin amounted to 3.16% in 2017, down from 3.45% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.45% in 2016 and an all time low of 2.73% in 2014. The average mar...

OTP Bank Croatia's retail deposits rose 0.161% to HRK 10,830 mil in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's retail deposits reached HRK 10,830 mil in 2017, up 0.161% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. OTP Bank Croatia accounted for 5...

OTP Bank Croatia's corporate loans fell 0.601% to HRK 4,188 mil in 2017

By Helgi Analytics - December 12, 2019

OTP Bank Croatia's corporate loans reached HRK 4,188 mil in 2017, down 0.601% compared to the previous year. Croatian banking sector provided corporate loans of HRK 70.6 bil in 2017, up 2.98% when compared to the last year. OTP Bank Croatia accounted for ...

OTP Bank Croatia's customer loan growth rose 326% to 4.07% in 2017

By Helgi Analytics - August 2, 2018

OTP Bank Croatia's customer loan growth reached 4.07% in 2017, up from -1.80% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 15.4% in 2014 and an all time low of -1.80% in 2016. In the last decade, the ave...

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Finance

OTP Bank Croatia has been growing its revenues and asset by 1.61% and 7.29% a year on average in the last 3 years. Its loans and deposits have grown by 0.733% and 1.24% a year during that time and loans to deposits ratio reached 81.5% at the end of 2017. The company achieved an average return on equity of 1.32% in the last three years with net profit growing -30.5% a year on average. In terms of operating efficiency, its cost to income ratio reached 72.0% in 2017, compared to 62.5% average in the last three years.

Equity represented 25.7% of total assets or of loans at the end of 2017. OTP Bank Croatia's non-performing loans were 14.5% of total loans while provisions covered some 73.8% of NPLs at the end of 2017.