By Helgi Library - April 11, 2024
Partner Banka's customer deposits reached HRK 1,563 mil in 2020, up 0.225% compared to the previous year. Croatian banking sect...
By Helgi Library - April 11, 2024
Partner Banka's customer loans reached HRK 1,206 mil in 2020, up 9.70% compared to the previous year. Croatian banking sector p...
By Helgi Library - April 11, 2024
Partner Banka's retail deposits reached HRK 902 mil in 2020, down 4.19% compared to the previous year. Croatian banking sector ...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | HRK mil | 47.0 | 48.7 | 51.0 |
| Net Fee Income | HRK mil | 4.68 | 4.71 | 5.19 |
| Other Income | HRK mil | 5.46 | 24.7 | 9.91 |
| Total Revenues | HRK mil | 57.1 | 78.1 | 66.1 |
| Staff Cost | HRK mil | 25.9 | 28.8 | 28.8 |
| Operating Profit | HRK mil | 13.1 | 32.9 | 16.7 |
| Provisions | HRK mil | -4.32 | -7.09 | 3.46 |
| Net Profit | HRK mil | 14.3 | 32.7 | 10.9 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | HRK mil | 2.69 | 39.3 | 50.2 |
| Customer Loans | HRK mil | 1,206 | 1,139 | 1,360 |
| Investments | HRK mil | 304 | 334 | 390 |
| Total Assets | HRK mil | 2,045 | 2,103 | 2,147 |
| Shareholders' Equity | HRK mil | 240 | 271 | 280 |
| Interbank Borrowing | HRK mil | 16.2 | 222 | 216 |
| Customer Deposits | HRK mil | 1,563 | 1,585 | 1,638 |
| Issued Debt Securities | HRK mil | 0 | 0 | 0 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 6.15 | 12.8 | 3.94 |
| ROA | % | 0.722 | 1.58 | 0.511 |
| Costs (As % Of Assets) | % | 2.23 | 2.18 | 2.32 |
| Costs (As % Of Income) | % | 77.0 | 57.9 | 74.7 |
| Capital Adequacy Ratio | % | 18.4 | 20.7 | 18.6 |
| Net Interest Margin | % | 2.38 | 2.35 | 2.40 |
| Loans (As % Of Deposits) | % | 77.2 | 71.8 | 83.0 |
| NPLs (As % Of Loans) | % | 11.6 | 11.5 | 4.17 |
| Provisions (As % Of NPLs) | % | 63.0 | 58.6 | 26.7 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | -34.7 | 36.6 | -15.4 |
| Operating Cost Growth | % | 6.56 | 2.70 | 9.17 |
| Operating Profit Growth | % | -71.6 | 150 | -49.2 |
| Net Profit Growth | % | -59.6 | 129 | -66.8 |
| Customer Loan Growth | % | 9.70 | -5.61 | 19.4 |
| Total Asset Growth | % | 7.28 | 2.85 | 2.09 |
| Customer Deposit Growth | % | 0.225 | 1.37 | 3.35 |
| Shareholders' Equity Growth | % | 6.78 | 12.9 | 3.58 |
| Employees | 124 | 123 | 129 | |
Get all company financials in excel:
| summary | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||||
| Net Interest Income | HRK mil | 40.9 | 43.5 | 42.3 | 44.3 | 47.0 | ||||||||||||||||
| Total Revenues | HRK mil | 67.1 | 65.4 | 49.6 | 87.5 | 57.1 | ||||||||||||||||
| Operating Profit | HRK mil | 24.9 | 21.9 | 9.90 | 46.2 | 13.1 | ||||||||||||||||
| Net Profit | HRK mil | 9.05 | 6.80 | 11.5 | 35.3 | 14.3 | ||||||||||||||||
| balance sheet | ||||||||||||||||||||||
| Interbank Loans | HRK mil | 2.80 | 2.55 | 2.56 | 2.63 | 2.69 | ||||||||||||||||
| Customer Loans | HRK mil | 814 | 914 | 967 | 1,100 | 1,206 | ||||||||||||||||
| Investments | HRK mil | 510 | 597 | 461 | 328 | 304 | ||||||||||||||||
| Total Assets | HRK mil | 1,598 | 1,792 | 1,853 | 1,906 | 2,045 | ||||||||||||||||
| Shareholders' Equity | HRK mil | 186 | 193 | 193 | 225 | 240 | ||||||||||||||||
| Interbank Borrowing | HRK mil | 19.0 | 0 | 236 | 91.4 | 16.2 | ||||||||||||||||
| Customer Deposits | HRK mil | 1,217 | 1,354 | 1,399 | 1,560 | 1,563 | ||||||||||||||||
| Issued Debt Securities | HRK mil | 166 | 236 | 0 | 0 | 0 | ||||||||||||||||
| ratios | ||||||||||||||||||||||
| ROE | % | ... | 4.98 | 3.58 | 5.96 | 16.9 | 6.15 | |||||||||||||||
| ROA | % | ... | 0.586 | 0.401 | 0.632 | 1.88 | 0.722 | |||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.73 | 2.56 | 2.18 | 2.20 | 2.23 | |||||||||||||||
| Costs (As % Of Income) | % | 62.9 | 66.5 | 80.1 | 47.2 | 77.0 | ||||||||||||||||
| Capital Adequacy Ratio | % | 16.6 | 15.5 | 16.4 | 17.0 | 18.4 | ||||||||||||||||
| Net Interest Margin | % | ... | 2.65 | 2.57 | 2.32 | 2.35 | 2.38 | |||||||||||||||
| Interest Income (As % Of Revenues) | % | 60.9 | 66.6 | 85.1 | 50.6 | 82.3 | ||||||||||||||||
| Fee Income (As % Of Revenues) | % | 7.43 | 7.75 | 11.4 | 6.23 | 8.19 | ||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 55.4 | 54.1 | 62.1 | 62.6 | 58.9 | ||||||||||||||||
| Equity (As % Of Assets) | % | 11.7 | 10.8 | 10.4 | 11.8 | 11.7 | ||||||||||||||||
| Loans (As % Of Deposits) | % | 66.9 | 67.5 | 69.2 | 70.5 | 77.2 | ||||||||||||||||
| Loans (As % Assets) | % | 50.9 | 51.0 | 52.2 | 57.7 | 59.0 | ||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 23.4 | 17.0 | 17.2 | 12.7 | 11.6 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 64.4 | 67.0 | 58.7 | 71.8 | 63.0 |
| income statement | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||||
| Interest Income | HRK mil | 76.9 | 67.9 | 58.0 | 60.8 | 60.4 | ||||||||||||||||
| Interest Cost | HRK mil | 36.0 | 24.3 | 15.8 | 16.5 | 13.4 | ||||||||||||||||
| Net Interest Income | HRK mil | 40.9 | 43.5 | 42.3 | 44.3 | 47.0 | ||||||||||||||||
| Net Fee Income | HRK mil | 4.98 | 5.06 | 5.68 | 5.45 | 4.68 | ||||||||||||||||
| Fee Income | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.54 | 7.34 | 6.49 | ||
| Fee Expense | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.863 | 1.89 | 1.80 | ||
| Other Income | HRK mil | 21.2 | 16.8 | 1.70 | 37.8 | 5.46 | ||||||||||||||||
| Total Revenues | HRK mil | 67.1 | 65.4 | 49.6 | 87.5 | 57.1 | ||||||||||||||||
| Staff Cost | HRK mil | 23.4 | 23.5 | 24.7 | 25.9 | 25.9 | ||||||||||||||||
| Depreciation | HRK mil | 2.86 | 3.42 | 2.56 | 4.83 | 5.27 | ||||||||||||||||
| Other Cost | HRK mil | 15.9 | 16.5 | 12.5 | 10.6 | 12.8 | ||||||||||||||||
| Operating Cost | HRK mil | 42.2 | 43.5 | 39.7 | 41.3 | 44.0 | ||||||||||||||||
| Operating Profit | HRK mil | 24.9 | 21.9 | 9.90 | 46.2 | 13.1 | ||||||||||||||||
| Provisions | HRK mil | 13.5 | 13.6 | -4.17 | 2.93 | -4.32 | ||||||||||||||||
| Extra and Other Cost | HRK mil | 0 | < -0.001 | 0 | 0 | 0 | ||||||||||||||||
| Pre-Tax Profit | HRK mil | 11.4 | 8.29 | 14.1 | 43.3 | 17.5 | ||||||||||||||||
| Tax | HRK mil | 2.39 | 1.49 | 2.55 | 7.93 | 3.19 | ||||||||||||||||
| Minorities | HRK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||
| Net Profit | HRK mil | 9.05 | 6.80 | 11.5 | 35.3 | 14.3 | ||||||||||||||||
| Net Profit Avail. to Common | HRK mil | 9.05 | 6.80 | 11.5 | 35.3 | 14.3 | ||||||||||||||||
| growth rates | ||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 3.60 | 6.50 | -2.96 | 4.73 | 6.23 | |||||||||||||||
| Net Fee Income Growth | % | ... | -14.7 | 1.63 | 12.2 | -4.06 | -14.1 | |||||||||||||||
| Total Revenue Growth | % | ... | 14.7 | -2.58 | -24.1 | 76.3 | -34.7 | |||||||||||||||
| Operating Cost Growth | % | ... | -1.85 | 3.03 | -8.56 | 3.94 | 6.56 | |||||||||||||||
| Operating Profit Growth | % | ... | 60.7 | -12.1 | -54.8 | 367 | -71.6 | |||||||||||||||
| Pre-Tax Profit Growth | % | ... | 543 | -27.6 | 69.9 | 207 | -59.7 | |||||||||||||||
| Net Profit Growth | % | ... | 543 | -24.9 | 69.4 | 207 | -59.6 | |||||||||||||||
| market share | ||||||||||||||||||||||
| Market Share in Revenues | % | 0.353 | 0.354 | 0.281 | 0.430 | 0.347 | ... | ... | ||||||||||||||
| Market Share in Net Profit | % | 0.178 | 0.186 | 0.204 | 0.584 | 0.437 | ... | |||||||||||||||
| Market Share in Employees | % | 0.553 | 0.602 | 0.639 | 0.644 | 0.649 | ... | ... |
| balance sheet | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | ||||||||||||||||||||||
| Cash & Cash Equivalents | HRK mil | 203 | 213 | 132 | 181 | 360 | ||||||||||||||||
| Interbank Loans | HRK mil | 2.80 | 2.55 | 2.56 | 2.63 | 2.69 | ||||||||||||||||
| Customer Loans | HRK mil | 814 | 914 | 967 | 1,100 | 1,206 | ||||||||||||||||
| Retail Loans | HRK mil | 199 | 256 | 252 | 265 | 294 | ||||||||||||||||
| Corporate Loans | HRK mil | 716 | 748 | 824 | 922 | 991 | ||||||||||||||||
| Investments | HRK mil | 510 | 597 | 461 | 328 | 304 | ||||||||||||||||
| Property and Equipment | HRK mil | 39.9 | 40.7 | 37.4 | 40.9 | 43.3 | ||||||||||||||||
| Intangible Assets | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.75 | 1.81 | 2.69 | ||
| Total Assets | HRK mil | 1,598 | 1,792 | 1,853 | 1,906 | 2,045 | ||||||||||||||||
| Shareholders' Equity | HRK mil | 186 | 193 | 193 | 225 | 240 | ||||||||||||||||
| Of Which Minority Interest | HRK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||
| Liabilities | HRK mil | 1,412 | 1,598 | 1,660 | 1,681 | 1,805 | ||||||||||||||||
| Interbank Borrowing | HRK mil | 19.0 | 0 | 236 | 91.4 | 16.2 | ||||||||||||||||
| Customer Deposits | HRK mil | 1,217 | 1,354 | 1,399 | 1,560 | 1,563 | ||||||||||||||||
| Retail Deposits | HRK mil | 828 | 867 | 921 | 942 | 902 | ||||||||||||||||
| Corporate Deposits | HRK mil | 389 | 487 | 339 | 461 | 494 | ||||||||||||||||
| Sight Deposits | HRK mil | 269 | 341 | 396 | 532 | 578 | ||||||||||||||||
| Term Deposits | HRK mil | 948 | 1,013 | 1,003 | 1,028 | 985 | ||||||||||||||||
| Issued Debt Securities | HRK mil | 166 | 236 | 0 | 0 | 0 | ||||||||||||||||
| Other Liabilities | HRK mil | 9.62 | 7.83 | 25.2 | 29.9 | 225 | ||||||||||||||||
| asset quality | ||||||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | ... | 225 | 175 | 185 | 154 | 151 | ||||||||||||
| Gross Loans | HRK mil | 959 | 1,031 | 1,076 | 1,210 | 1,301 | ||||||||||||||||
| Risk-Weighted Assets | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,208 | 1,332 | 1,288 | ||
| Total Provisions | HRK mil | 145 | 118 | 109 | 111 | 94.9 | ||||||||||||||||
| growth rates | ||||||||||||||||||||||
| Customer Loan Growth | % | ... | -11.5 | 12.3 | 5.86 | 13.7 | 9.70 | |||||||||||||||
| Retail Loan Growth | % | ... | 28.5 | 28.4 | -1.37 | 5.20 | 11.0 | |||||||||||||||
| Corporate Loan Growth | % | ... | -16.7 | 4.59 | 10.1 | 11.9 | 7.55 | |||||||||||||||
| Total Asset Growth | % | ... | 7.39 | 12.1 | 3.41 | 2.86 | 7.28 | |||||||||||||||
| Shareholders' Equity Growth | % | ... | 5.19 | 3.74 | -0.231 | 16.3 | 6.78 | |||||||||||||||
| Customer Deposit Growth | % | ... | 15.2 | 11.3 | 3.27 | 11.5 | 0.225 | |||||||||||||||
| Retail Deposit Growth | % | ... | 12.9 | 4.69 | 6.27 | 2.23 | -4.19 | |||||||||||||||
| Corporate Deposit Growth | % | ... | 20.6 | 25.3 | -30.5 | 35.9 | 7.25 | |||||||||||||||
| market share | ||||||||||||||||||||||
| Market Share in Customer Loans | % | 0.380 | 0.394 | 0.404 | 0.432 | 0.469 | ... | ... | ||||||||||||||
| Market Share in Corporate Loans | % | 1.04 | 1.06 | 1.14 | 1.25 | 1.29 | ... | ... | ||||||||||||||
| Market Share in Consumer Loans | % | 0.176 | 0.223 | ... | ... | ... | ... | ... | ||||||||||||||
| Market Share in Total Assets | % | 0.401 | 0.447 | 0.445 | 0.439 | 0.439 | ... | ... | ||||||||||||||
| Market Share in Customer Deposits | % | 0.445 | 0.485 | 0.478 | 0.503 | 0.468 | ... | ... | ||||||||||||||
| Market Share in Retail Deposits | % | 0.437 | 0.455 | 0.851 | 0.718 | 0.578 | ... | ... | ||||||||||||||
| Market Share in Corporate Deposits | % | ... | ... | 0.668 | 0.773 | ... | ... | ... | ... | ... |
| ratios | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | 4.98 | 3.58 | 5.96 | 16.9 | 6.15 | |||||||||||||||
| ROTE | % | ... | 4.98 | 3.58 | 5.99 | 17.1 | 6.21 | |||||||||||||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.36 | 18.6 | 7.26 | ||
| ROA | % | ... | 0.586 | 0.401 | 0.632 | 1.88 | 0.722 | |||||||||||||||
| Return on Loans | % | 1.04 | 0.787 | 1.22 | 3.42 | 1.24 | ||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.820 | 3.64 | 1.00 | ||
| Costs (As % Of Assets) | % | ... | 2.73 | 2.56 | 2.18 | 2.20 | 2.23 | |||||||||||||||
| Costs (As % Of Income) | % | 62.9 | 66.5 | 80.1 | 47.2 | 77.0 | ||||||||||||||||
| Costs (As % Of Loans) | % | ... | 4.86 | 5.03 | 4.22 | 4.00 | 3.82 | |||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.11 | 2.02 | 1.71 | 1.64 | 1.62 | |||||||||||||||
| Capital Adequacy Ratio | % | 16.6 | 15.5 | 16.4 | 17.0 | 18.4 | ||||||||||||||||
| Net Interest Margin | % | ... | 2.65 | 2.57 | 2.32 | 2.35 | 2.38 | |||||||||||||||
| Interest Spread | % | ... | 2.34 | 2.39 | 2.22 | 2.24 | 2.29 | |||||||||||||||
| Asset Yield | % | ... | 4.98 | 4.00 | 3.19 | 3.23 | 3.06 | |||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.11 | 6.89 | 4.36 | ||
| Cost Of Liabilities | % | ... | 2.65 | 1.62 | 0.970 | 0.990 | 0.770 | |||||||||||||||
| Interest Income (As % Of Revenues) | % | 60.9 | 66.6 | 85.1 | 50.6 | 82.3 | ||||||||||||||||
| Fee Income (As % Of Revenues) | % | 7.43 | 7.75 | 11.4 | 6.23 | 8.19 | ||||||||||||||||
| Other Income (As % Of Revenues) | % | 31.6 | 25.6 | 3.42 | 43.2 | 9.55 | ||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 55.4 | 54.1 | 62.1 | 62.6 | 58.9 | ||||||||||||||||
| Equity (As % Of Assets) | % | 11.7 | 10.8 | 10.4 | 11.8 | 11.7 | ||||||||||||||||
| Equity (As % Of Loans) | % | 22.9 | 21.2 | 20.0 | 20.4 | 19.9 | ||||||||||||||||
| Loans (As % Of Deposits) | % | 66.9 | 67.5 | 69.2 | 70.5 | 77.2 | ||||||||||||||||
| Loans (As % Assets) | % | 50.9 | 51.0 | 52.2 | 57.7 | 59.0 | ||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 23.4 | 17.0 | 17.2 | 12.7 | 11.6 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 64.4 | 67.0 | 58.7 | 71.8 | 63.0 | ||||||||||||
| Provisions (As % Of Loans) | % | 17.8 | 12.9 | 11.2 | 10.1 | 7.87 | ||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.55 | 1.58 | -0.444 | 0.284 | -0.375 |
| other data | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.00 | 7.00 | |||
| Employees | 114 | 123 | 128 | 126 | 124 | |||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.0 | 17.7 | |||
| Cost Per Employee | USD per month | 2,414 | 2,372 | 2,524 | 2,607 | 2,723 | ||||||||||||||||
| Cost Per Employee (Local Currency) | HRK per month | 17,094 | 15,936 | 16,074 | 17,103 | 17,415 |
Get all company financials in excel:
By Helgi Library - April 11, 2024
Partner Banka made a net profit of HRK 10.9 mil under revenues of HRK 66.1 mil in 2022, up -66.8% and -15.4% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 35.3 mil in 2019 and an all time low of HRK -1...
By Helgi Library - April 11, 2024
Partner Banka's corporate loans reached HRK 991 mil in 2020, up 7.55% compared to the previous year. Croatian banking sector provided corporate loans of HRK 77.1 bil in 2020, up 4.86% when compared to the last year. Partner Banka accounted for 1.29% of al...
By Helgi Library - April 11, 2024
Partner Banka's corporate loans reached HRK 991 mil in 2020, up 7.55% compared to the previous year. Croatian banking sector provided corporate loans of HRK 77.1 bil in 2020, up 4.86% when compared to the last year. Partner Banka accounted for 1.29% of al...
By Helgi Library - April 11, 2024
Partner Banka's net interest margin amounted to 2.40% in 2022, up from 2.35% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 6.86% in 2003 and an all time low of 2.32% in 2018. The average margin i...
By Helgi Library - April 11, 2024
Partner Banka generated total banking revenues of HRK 57.1 mil in 2020, down 34.7% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 16,445 mil in 2020, down 19.2% when compared to the last year. ...
By Helgi Library - April 11, 2024
Partner Banka generated total banking revenues of in, down 0% 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 mil in and an all time low of HRK mi...
By Helgi Library - April 11, 2024
Partner Banka's corporate deposits reached HRK 436 mil in 2010, up 7.70% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 47.0 bil in 2010, up 3.92% when compared to the last year. Partner Banka accounted for 0.927...
By Helgi Library - April 11, 2024
Partner Banka's customer loan growth reached 19.4% in 2022, up from -5.61% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 53.4% in 2004 and an all time low of -11.5% in 2016. In the last decade, the averag...
By Helgi Library - August 11, 2018
Partner Banka's non-performing loans reached 17.0% of total loans at the end of 2017, down from 23.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 42.5% in 2015 and an all time low of 1.86% in 2007. Provision coverage a...
Partner Banka has been growing its revenues and asset by -8.94% and 4.05% a year on average in the last 3 years. Its loans and deposits have grown by 7.34% and 1.64% a year during that time and loans to deposits ratio reached 83.0% at the end of 2022. The company achieved an average return on equity of 7.64% in the last three years with net profit growing -32.5% a year on average. In terms of operating efficiency, its cost to income ratio reached 74.7% in 2022, compared to 69.9% average in the last three years.
Equity represented 13.1% of total assets or of loans at the end of 2022. Partner Banka's non-performing loans were 4.17% of total loans while provisions covered some 26.7% of NPLs at the end of 2022.
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