By Helgi Library - August 11, 2018
Partner Banka's customer deposits reached HRK 1,354 mil in 2017, up 11.3% compared to the previous year. Croatian banking secto...
By Helgi Library - August 11, 2018
Partner Banka's retail deposits reached HRK 867 mil in 2017, up 4.69% compared to the previous year. Croatian banking sector ac...
By Helgi Library - August 11, 2018
Partner Banka's net interest margin amounted to 2.57% in 2017, down from 2.65% compared to the previous year. Historically...
Profit Statement | 2015 | 2016 | 2017 | |
Net Interest Income | HRK mil | 39.5 | 40.9 | 43.5 |
Net Fee Income | HRK mil | 5.84 | 4.98 | 5.06 |
Other Income | HRK mil | 13.2 | 21.2 | 16.8 |
Total Revenues | HRK mil | 58.5 | 67.1 | 65.4 |
Staff Cost | HRK mil | 22.2 | 23.4 | 23.5 |
Operating Profit | HRK mil | 15.5 | 24.9 | 21.9 |
Provisions | HRK mil | 13.7 | 13.5 | 13.6 |
Net Profit | HRK mil | 1.41 | 9.05 | 6.80 |
Balance Sheet | 2015 | 2016 | 2017 | |
Interbank Loans | HRK mil | 2.79 | 2.80 | 2.55 |
Customer Loans | HRK mil | 920 | 814 | 914 |
Total Assets | HRK mil | 1,489 | 1,598 | 1,792 |
Shareholders' Equity | HRK mil | 177 | 186 | 193 |
Interbank Borrowing | HRK mil | 0 | 19.0 | 0 |
Customer Deposits | HRK mil | 1,056 | 1,217 | 1,354 |
Issued Debt Securities | HRK mil | 248 | 166 | 236 |
Ratios | 2015 | 2016 | 2017 | |
ROE | % | 0.804 | 4.98 | 3.58 |
ROA | % | 0.096 | 0.586 | 0.401 |
Costs (As % Of Assets) | % | 2.93 | 2.73 | 2.56 |
Costs (As % Of Income) | % | 73.5 | 62.9 | 66.5 |
Capital Adequacy Ratio | % | 16.1 | 16.6 | 15.5 |
Net Interest Margin | % | 2.69 | 2.65 | 2.57 |
Loans (As % Of Deposits) | % | 87.1 | 66.9 | 67.5 |
NPLs (As % Of Loans) | % | 42.5 | 23.4 | 17.0 |
Provisions (As % Of NPLs) | % | 29.5 | 64.4 | 67.0 |
Growth Rates | 2015 | 2016 | 2017 | |
Total Revenue Growth | % | -9.32 | 14.7 | -2.58 |
Operating Cost Growth | % | -4.86 | -1.85 | 3.03 |
Operating Profit Growth | % | -19.7 | 60.7 | -12.1 |
Net Profit Growth | % | 9.24 | 543 | -24.9 |
Customer Loan Growth | % | 12.0 | -11.5 | 12.3 |
Total Asset Growth | % | 2.80 | 7.39 | 12.1 |
Customer Deposit Growth | % | 2.40 | 15.2 | 11.3 |
Shareholders' Equity Growth | % | 2.73 | 5.19 | 3.74 |
Employees | 111 | 114 | 123 |
Get all company financials in excel:
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 | ... | 50.0 | 45.9 | 34.5 | 42.0 | 39.5 | |||||||||||
Total Revenues | HRK mil | ... | 63.0 | 62.4 | 52.8 | 64.5 | 58.5 | |||||||||||
Operating Profit | HRK mil | ... | 13.9 | 16.5 | 11.8 | 19.3 | 15.5 | |||||||||||
Net Profit | HRK mil | ... | 0.317 | -17.7 | 1.39 | 1.29 | 1.41 | |||||||||||
balance sheet | ||||||||||||||||||
Interbank Loans | HRK mil | ... | 28.7 | 13.5 | 2.23 | 30.1 | 2.79 | |||||||||||
Customer Loans | HRK mil | ... | 976 | 877 | 873 | 822 | 920 | |||||||||||
Debt Securities | HRK mil | ... | 93.6 | 133 | 220 | 275 | 321 | |||||||||||
Total Assets | HRK mil | 1,312 | 1,291 | 1,431 | 1,448 | 1,489 | ||||||||||||
Shareholders' Equity | HRK mil | 175 | 170 | 168 | 173 | 177 | ||||||||||||
Interbank Borrowing | HRK mil | ... | 24.2 | 25.1 | 15.0 | 0 | 0 | |||||||||||
Customer Deposits | HRK mil | ... | 816 | 808 | 934 | 1,031 | 1,056 | |||||||||||
Issued Debt Securities | HRK mil | ... | 289 | 284 | 302 | 236 | 248 | |||||||||||
ratios | ||||||||||||||||||
ROE | % | ... | 0.182 | -10.3 | 0.822 | 0.756 | 0.804 | |||||||||||
ROA | % | ... | 0.024 | -1.36 | 0.102 | 0.089 | 0.096 | |||||||||||
Costs (As % Of Assets) | % | ... | 3.76 | 3.52 | 3.01 | 3.14 | 2.93 | |||||||||||
Costs (As % Of Income) | % | ... | 78.0 | 73.5 | 77.6 | 70.0 | 73.5 | |||||||||||
Capital Adequacy Ratio | % | 14.4 | 14.1 | 14.2 | 16.2 | 16.1 | ||||||||||||
Net Interest Margin | % | ... | 3.83 | 3.53 | 2.54 | 2.92 | 2.69 | |||||||||||
Interest Income (As % Of Revenues) | % | ... | 79.4 | 73.6 | 65.4 | 65.1 | 67.5 | |||||||||||
Fee Income (As % Of Revenues) | % | ... | 10.7 | 9.75 | 11.0 | 8.90 | 9.99 | |||||||||||
Staff Cost (As % Of Total Cost) | % | ... | 57.3 | 55.9 | 54.4 | 50.9 | 51.6 | |||||||||||
Equity (As % Of Assets) | % | 13.4 | 13.2 | 11.8 | 11.9 | 11.9 | ||||||||||||
Loans (As % Of Deposits) | % | ... | 120 | 109 | 93.5 | 79.7 | 87.1 | |||||||||||
Loans (As % Assets) | % | ... | 74.4 | 68.0 | 61.1 | 56.7 | 61.8 | |||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 9.89 | 29.3 | 29.5 | 33.4 | 42.5 | |||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 56.0 | 32.9 | 34.4 | 37.8 | 29.5 | |||||||
valuation | ||||||||||||||||||
Book Value Per Share Growth | % | ... | ... | -3.81 | -8.14 | -24.8 | 21.5 | -5.96 |
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 | ... | 89.9 | 85.4 | 73.9 | 86.2 | 75.5 | |||||||||||
Interest Cost | HRK mil | ... | 39.9 | 39.5 | 39.4 | 44.2 | 36.0 | |||||||||||
Net Interest Income | HRK mil | ... | 50.0 | 45.9 | 34.5 | 42.0 | 39.5 | |||||||||||
Net Fee Income | HRK mil | ... | 6.74 | 6.08 | 5.80 | 5.74 | 5.84 | |||||||||||
Other Income | HRK mil | ... | 6.26 | 10.4 | 12.5 | 16.8 | 13.2 | |||||||||||
Total Revenues | HRK mil | ... | 63.0 | 62.4 | 52.8 | 64.5 | 58.5 | |||||||||||
Staff Cost | HRK mil | ... | 28.1 | 25.6 | 22.3 | 23.0 | 22.2 | |||||||||||
Depreciation | HRK mil | ... | 3.71 | 3.33 | 3.30 | 4.47 | 5.33 | |||||||||||
Other Cost | HRK mil | ... | 17.3 | 16.9 | 15.4 | 17.7 | 15.4 | |||||||||||
Operating Cost | HRK mil | ... | 49.1 | 45.9 | 41.0 | 45.2 | 43.0 | |||||||||||
Operating Profit | HRK mil | ... | 13.9 | 16.5 | 11.8 | 19.3 | 15.5 | |||||||||||
Provisions | HRK mil | ... | 13.6 | 38.9 | 10.1 | 17.7 | 13.7 | |||||||||||
Extra and Other Cost | HRK mil | ... | < -0.001 | 0 | < 0.001 | < -0.001 | 0 | |||||||||||
Pre-Tax Profit | HRK mil | ... | 0.261 | -22.4 | 1.66 | 1.60 | 1.78 | |||||||||||
Tax | HRK mil | ... | -0.056 | 4.68 | 0.269 | 0.313 | 0.371 | |||||||||||
Minorities | HRK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
Net Profit | HRK mil | ... | 0.317 | -17.7 | 1.39 | 1.29 | 1.41 | |||||||||||
growth rates | ||||||||||||||||||
Net Interest Income Growth | % | ... | ... | -3.81 | -8.14 | -24.8 | 21.5 | -5.96 | ||||||||||
Net Fee Income Growth | % | ... | ... | 4.85 | -9.78 | -4.69 | -1.00 | 1.81 | ||||||||||
Total Revenue Growth | % | ... | ... | -3.17 | -0.938 | -15.4 | 22.2 | -9.32 | ||||||||||
Operating Cost Growth | % | ... | ... | -5.25 | -6.61 | -10.6 | 10.2 | -4.86 | ||||||||||
Operating Profit Growth | % | ... | ... | 4.95 | 19.1 | -28.6 | 63.7 | -19.7 | ||||||||||
Pre-Tax Profit Growth | % | ... | ... | -91.0 | -8,676 | -107 | -3.50 | 11.1 | ||||||||||
Net Profit Growth | % | ... | ... | -87.2 | -5,685 | -108 | -7.27 | 9.24 | ||||||||||
market share | ||||||||||||||||||
Market Share in Revenues | % | ... | 0.392 | 0.420 | 0.367 | 0.446 | 0.402 | |||||||||||
Market Share in Net Profit | % | ... | 0.008 | ... | 0.293 | 0.093 | ... | |||||||||||
Market Share in Employees | % | ... | 0.553 | 0.508 | 0.516 | 0.529 | 0.531 |
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 | ... | 145 | 174 | 203 | 237 | 171 | |||||||||||
Interbank Loans | HRK mil | ... | 28.7 | 13.5 | 2.23 | 30.1 | 2.79 | |||||||||||
Customer Loans | HRK mil | ... | 976 | 877 | 873 | 822 | 920 | |||||||||||
Retail Loans | HRK mil | ... | 168 | 157 | 138 | 141 | 155 | |||||||||||
Corporate Loans | HRK mil | ... | 857 | 797 | 826 | 792 | 859 | |||||||||||
Debt Securities | HRK mil | ... | 93.6 | 133 | 220 | 275 | 321 | |||||||||||
Fixed Assets | HRK mil | ... | 35.4 | 44.4 | 43.1 | 41.8 | 40.1 | |||||||||||
Total Assets | HRK mil | 1,312 | 1,291 | 1,431 | 1,448 | 1,489 | ||||||||||||
Shareholders' Equity | HRK mil | 175 | 170 | 168 | 173 | 177 | ||||||||||||
Of Which Minority Interest | HRK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
Liabilities | HRK mil | 1,137 | 1,121 | 1,262 | 1,275 | 1,311 | ||||||||||||
Interbank Borrowing | HRK mil | ... | 24.2 | 25.1 | 15.0 | 0 | 0 | |||||||||||
Customer Deposits | HRK mil | ... | 816 | 808 | 934 | 1,031 | 1,056 | |||||||||||
Retail Deposits | HRK mil | ... | 380 | 493 | 587 | 704 | 734 | |||||||||||
Corporate Deposits | HRK mil | ... | 436 | 315 | 347 | 327 | 322 | |||||||||||
Sight Deposits | HRK mil | ... | 175 | 152 | 171 | 184 | 206 | |||||||||||
Term Deposits | HRK mil | ... | 641 | 656 | 764 | 847 | 850 | |||||||||||
Issued Debt Securities | HRK mil | ... | 289 | 284 | 302 | 236 | 248 | |||||||||||
Other Liabilities | HRK mil | ... | 7.56 | 4.14 | 11.3 | 8.28 | 6.96 | |||||||||||
asset quality | ||||||||||||||||||
Non-Performing Loans | HRK mil | ... | ... | ... | ... | ... | 102 | 285 | 287 | 314 | 447 | |||||||
Gross Loans | HRK mil | ... | 1,034 | 971 | 972 | 940 | 1,052 | |||||||||||
Total Provisions | HRK mil | ... | 57.3 | 93.7 | 98.7 | 119 | 132 | |||||||||||
growth rates | ||||||||||||||||||
Customer Loan Growth | % | ... | ... | 5.80 | -10.1 | -0.439 | -5.93 | 12.0 | ||||||||||
Retail Loan Growth | % | ... | ... | -8.19 | -6.88 | -12.0 | 2.02 | 10.2 | ||||||||||
Corporate Loan Growth | % | ... | ... | 10.3 | -7.10 | 3.70 | -4.14 | 8.44 | ||||||||||
Total Asset Growth | % | ... | 0.921 | -1.61 | 10.8 | 1.22 | 2.80 | |||||||||||
Shareholders' Equity Growth | % | ... | 1.03 | -3.21 | -0.913 | 2.56 | 2.73 | |||||||||||
Customer Deposit Growth | % | ... | ... | -3.72 | -1.02 | 15.6 | 10.4 | 2.40 | ||||||||||
Retail Deposit Growth | % | ... | ... | -7.86 | 29.8 | 19.2 | 19.9 | 4.22 | ||||||||||
Corporate Deposit Growth | % | ... | ... | 0.196 | -27.8 | 10.1 | -5.60 | -1.52 | ||||||||||
market share | ||||||||||||||||||
Market Share in Customer Loans | % | ... | 0.387 | 0.371 | 0.373 | 0.358 | 0.413 | |||||||||||
Market Share in Corporate Loans | % | ... | 0.768 | 0.825 | 0.864 | 0.861 | 0.984 | |||||||||||
Market Share in Consumer Loans | % | ... | 0.131 | 0.124 | 0.112 | 0.115 | 0.129 | |||||||||||
Market Share in Total Assets | % | 0.315 | 0.314 | 0.345 | 0.345 | 0.357 | ||||||||||||
Market Share in Customer Deposits | % | ... | 0.370 | 0.356 | 0.395 | 0.422 | 0.411 | |||||||||||
Market Share in Retail Deposits | % | ... | 0.223 | 0.277 | 0.327 | 0.385 | 0.391 | |||||||||||
Market Share in Corporate Deposits | % | ... | ... | ... | 0.907 | 0.700 | 0.819 | 0.749 | 0.607 |
ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
ratios | ||||||||||||||||||
ROE | % | ... | 0.182 | -10.3 | 0.822 | 0.756 | 0.804 | |||||||||||
ROA | % | ... | 0.024 | -1.36 | 0.102 | 0.089 | 0.096 | |||||||||||
Costs (As % Of Assets) | % | ... | 3.76 | 3.52 | 3.01 | 3.14 | 2.93 | |||||||||||
Costs (As % Of Income) | % | ... | 78.0 | 73.5 | 77.6 | 70.0 | 73.5 | |||||||||||
Capital Adequacy Ratio | % | 14.4 | 14.1 | 14.2 | 16.2 | 16.1 | ||||||||||||
Net Interest Margin | % | ... | 3.83 | 3.53 | 2.54 | 2.92 | 2.69 | |||||||||||
Interest Spread | % | ... | 3.36 | 3.06 | 2.13 | 2.50 | 2.36 | |||||||||||
Asset Yield | % | ... | 6.88 | 6.56 | 5.43 | 5.99 | 5.14 | |||||||||||
Cost Of Liabilities | % | ... | 3.52 | 3.50 | 3.30 | 3.48 | 2.79 | |||||||||||
Interest Income (As % Of Revenues) | % | ... | 79.4 | 73.6 | 65.4 | 65.1 | 67.5 | |||||||||||
Fee Income (As % Of Revenues) | % | ... | 10.7 | 9.75 | 11.0 | 8.90 | 9.99 | |||||||||||
Other Income (As % Of Revenues) | % | ... | 9.94 | 16.7 | 23.6 | 26.0 | 22.5 | |||||||||||
Cost Per Employee | USD per month | ... | 3,620 | 3,317 | 2,905 | 2,883 | 2,501 | |||||||||||
Cost Per Employee (Local Currency) | HRK per month | ... | 19,366 | 19,406 | 16,583 | 17,095 | 16,661 | |||||||||||
Staff Cost (As % Of Total Cost) | % | ... | 57.3 | 55.9 | 54.4 | 50.9 | 51.6 | |||||||||||
Equity (As % Of Assets) | % | 13.4 | 13.2 | 11.8 | 11.9 | 11.9 | ||||||||||||
Loans (As % Of Deposits) | % | ... | 120 | 109 | 93.5 | 79.7 | 87.1 | |||||||||||
Loans (As % Assets) | % | ... | 74.4 | 68.0 | 61.1 | 56.7 | 61.8 | |||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 9.89 | 29.3 | 29.5 | 33.4 | 42.5 | |||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 56.0 | 32.9 | 34.4 | 37.8 | 29.5 | |||||||
Provisions (As % Of Loans) | % | ... | 5.87 | 10.7 | 11.3 | 14.5 | 14.3 | |||||||||||
Cost of Provisions (As % Of Loans) | % | ... | 1.43 | 4.20 | 1.16 | 2.09 | 1.58 |
other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
other data | ||||||||||||||||||
Employees | ... | 121 | 110 | 112 | 112 | 111 | ||||||||||||
Sight (As % Of Customer Deposits) | % | ... | 21.4 | 18.8 | 18.3 | 17.8 | 19.5 |
Get all company financials in excel:
By Helgi Library - August 11, 2018
Partner Banka made a net profit of HRK 6.80 mil under revenues of HRK 65.4 mil in 2017, up -24.9% and -2.58% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 20.8 mil in 2005 and an all time low of HRK -1...
By Helgi Library - August 11, 2018
Partner Banka's corporate deposits reached HRK 487 mil in 2017, up 25.3% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK 63.1 bil in 2017, up 8.35% when compared to the last year. Partner Banka accounted for 0.773...
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...
By Helgi Library - August 11, 2018
Partner Banka generated total banking revenues of HRK 65.4 mil in 2017, down 2.58% 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. ...
By Helgi Library - August 11, 2018
Partner Banka's customer loans reached HRK 914 mil in 2017, up 12.3% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Partner Banka accounted for 0.429% of a...
By Helgi Library - December 12, 2019
Partner Banka's corporate loans reached HRK 748 mil in 2017, up 4.59% 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. Partner Banka accounted for 0.915% of a...
By Helgi Library - August 11, 2018
Partner Banka generated total banking revenues of HRK 65.4 mil in 2017, down 2.58% 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 68.9 mil in 2005 and an...
By Helgi Library - August 11, 2018
Partner Banka's customer loan growth reached 12.3% in 2017, up from -11.5% 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...
Partner Banka has been growing its revenues and asset by -0.143% and 3.60% a year on average in the last 10 years. Its loans and deposits have grown by 0.179% and 5.71% a year during that time and loans to deposits ratio reached 67.5% at the end of 2017. The company achieved an average return on equity of 0.776% in the last decade with net profit growing -4.87% a year on average. In terms of operating efficiency, its cost to income ratio reached 66.5% in 2017, compared to 74.4% average in the last decade.
Equity represented 10.8% of total assets or 21.2% of loans at the end of 2017. Partner Banka's non-performing loans were 17.0% of total loans while provisions covered some 67.0% of NPLs at the end of 2017.