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| summary | Unit |
| 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| Net Interest Income | HRK mil |
| Total Revenues | HRK mil |
| Operating Profit | HRK mil |
| Net Profit | HRK mil |
| 24.2 | 27.3 | 28.9 | 30.3 | 30.3 | |||||
| 28.4 | 30.8 | 33.7 | 32.5 | 32.9 | |||||
| 14.6 | 17.0 | 19.6 | 19.1 | 17.7 | |||||
| 9.51 | 15.9 | 15.7 | 17.5 | 15.8 |
| Interbank Loans | HRK mil |
| Customer Loans | HRK mil |
| Debt Securities | HRK mil |
| Total Assets | HRK mil |
| Shareholders' Equity | HRK mil |
| Interbank Borrowing | HRK mil |
| Customer Deposits | HRK mil |
| Issued Debt Securities | HRK mil |
| 305 | 373 | 305 | 346 | 396 | |||||
| 1,123 | 808 | 927 | 600 | 459 | |||||
| 367 | 267 | 269 | 611 | 740 | |||||
| 1,803 | 1,459 | 1,541 | 1,578 | 1,600 | |||||
| 130 | 159 | 185 | 225 | 247 | |||||
| 469 | 0.000 | 56.7 | 60.7 | 0.000 | |||||
| 1,187 | 1,281 | 1,295 | 1,285 | 1,341 | |||||
| 0.000 | 10.0 | 0.000 | 0.000 | 0.000 |
| 8.00% | 11.0% | 9.13% | 8.54% | 6.69% | |||||
| 0.585% | 0.975% | 1.05% | 1.12% | 0.992% | |||||
| 0.848% | 0.849% | 0.939% | 0.857% | 0.956% | |||||
| 48.7% | 44.9% | 41.8% | 41.1% | 46.2% | |||||
| 77.3% | 50.4% | 46.0% | 56.3% | 62.3% | |||||
| 1.49% | 1.67% | 1.93% | 1.94% | 1.91% | |||||
| 85.3% | 88.5% | 85.9% | 93.1% | 92.2% | |||||
| 11.1% | 10.1% | 10.2% | 4.93% | 7.73% | |||||
| 37.7% | 38.0% | 35.9% | 36.6% | 38.1% | |||||
| 7.21% | 10.9% | 12.0% | 14.2% | 15.4% | |||||
| 94.6% | 63.0% | 71.6% | 46.7% | 34.3% | |||||
| 62.3% | 55.4% | 60.2% | 38.0% | 28.7% | |||||
| ... | ... | ... | ... | 0.000% | 0.000% | 0.000% | 0.063% | ||
| ... | ... | ... | ... | ... | ... | ... | 1,297% |
| income statement | Unit |
| 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| 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 |
| 75.2 | 68.8 | 69.6 | 71.3 | 72.4 | |||||
| 51.0 | 41.5 | 40.6 | 41.0 | 42.1 | |||||
| 24.2 | 27.3 | 28.9 | 30.3 | 30.3 | |||||
| 3.14 | 3.10 | 3.43 | 1.60 | 2.54 | |||||
| 1.03 | 0.455 | 1.33 | 0.630 | 0.032 | |||||
| 28.4 | 30.8 | 33.7 | 32.5 | 32.9 | |||||
| 5.20 | 5.27 | 5.06 | 4.89 | 5.80 | |||||
| 0.071 | 0.069 | 0.074 | 0.061 | 0.051 | |||||
| 8.53 | 8.51 | 8.95 | 8.41 | 9.35 | |||||
| 13.8 | 13.8 | 14.1 | 13.4 | 15.2 | |||||
| 14.6 | 17.0 | 19.6 | 19.1 | 17.7 | |||||
| 2.85 | -2.60 | 0.004 | -2.72 | -2.05 | |||||
| 0.000 | < 0.001 | < 0.001 | 0.000 | 0.000 | |||||
| 11.7 | 19.6 | 19.6 | 21.9 | 19.7 | |||||
| 2.21 | 3.70 | 3.93 | 4.38 | 3.96 | |||||
| 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |||||
| 9.51 | 15.9 | 15.7 | 17.5 | 15.8 |
| Net Interest Income Growth | % |
| Net Fee Income Growth | % |
| Total Revenue Growth | % |
| Operating Cost Growth | % |
| Operating Profit Growth | % |
| Pre-Tax Profit Growth | % |
| Net Profit Growth | % |
| ... | -9.78% | 12.7% | 6.05% | 4.61% | 0.099% | ||||
| ... | 8.03% | -1.05% | 10.6% | -53.3% | 58.4% | ||||
| ... | -9.14% | 8.72% | 9.25% | -3.53% | 1.14% | ||||
| ... | 3.97% | 0.304% | 1.70% | -5.09% | 13.7% | ||||
| ... | -18.8% | 16.7% | 15.4% | -2.41% | -7.65% | ||||
| ... | -36.6% | 67.2% | 0.064% | 11.5% | -9.79% | ||||
| ... | -37.5% | 67.2% | -1.38% | 11.5% | -9.85% |
| 0.177% | 0.208% | 0.234% | 0.225% | 0.226% | |||||
| 0.251% | 0.584% | 3.31% | 1.27% | ... | |||||
| 0.101% | 0.106% | 0.106% | 0.104% | 0.105% |
| balance sheet | Unit |
| 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| Cash | HRK mil |
| Interbank Loans | HRK mil |
| Customer Loans | HRK mil |
| Debt Securities | HRK mil |
| Fixed Assets | HRK mil |
| Total Assets | HRK mil |
| Shareholders' Equity | HRK mil |
| Of Which Minority Interest | HRK mil |
| Liabilities | HRK mil |
| Interbank Borrowing | HRK mil |
| Customer Deposits | HRK mil |
| Retail Deposits | HRK mil |
| Corporate Deposits | HRK mil |
| Issued Debt Securities | HRK mil |
| Other Liabilities | HRK mil |
| 14.2 | 4.87 | 35.6 | 20.5 | 4.44 | |||||
| 305 | 373 | 305 | 346 | 396 | |||||
| 1,123 | 808 | 927 | 600 | 459 | |||||
| 367 | 267 | 269 | 611 | 740 | |||||
| 0.145 | 0.178 | 0.126 | 0.121 | 0.149 | |||||
| 1,803 | 1,459 | 1,541 | 1,578 | 1,600 | |||||
| 130 | 159 | 185 | 225 | 247 | |||||
| 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |||||
| 1,673 | 1,300 | 1,356 | 1,353 | 1,354 | |||||
| 469 | 0.000 | 56.7 | 60.7 | 0.000 | |||||
| 1,187 | 1,281 | 1,295 | 1,285 | 1,341 | |||||
| 1,187 | 1,281 | 1,295 | 1,285 | 1,341 | |||||
| 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |||||
| 0.000 | 10.0 | 0.000 | 0.000 | 0.000 | |||||
| 17.0 | 8.73 | 4.20 | 8.03 | 13.0 |
| Non-Performing Loans | HRK mil |
| Gross Loans | HRK mil |
| Total Provisions | HRK mil |
| ... | ... | ... | ... | 0.000 | 0.000 | 0.000 | 0.294 | ||
| ... | ... | ... | ... | 815 | 935 | 605 | 463 | ||
| ... | ... | ... | ... | 6.98 | 7.52 | 4.88 | 3.81 |
| Customer Loan Growth | % |
| Total Asset Growth | % |
| Shareholders' Equity Growth | % |
| Customer Deposit Growth | % |
| Retail Deposit Growth | % |
| ... | 3.01% | -28.1% | 14.8% | -35.3% | -23.4% | ||||
| ... | 24.3% | -19.1% | 5.62% | 2.43% | 1.41% | ||||
| ... | 20.5% | 22.0% | 16.7% | 21.4% | 9.83% | ||||
| ... | 2.36% | 7.98% | 1.05% | -0.767% | 4.35% | ||||
| ... | 2.36% | 7.98% | 1.05% | -0.767% | 4.35% |
| Market Share in Customer Loans | % |
| Market Share in Total Assets | % |
| Market Share in Customer Deposits | % |
| Market Share in Retail Deposits | % |
| Market Share in Corporate Deposits | % |
| 0.446% | 0.342% | 0.396% | 0.261% | 0.206% | |||||
| 0.433% | 0.355% | 0.371% | 0.376% | 0.384% | |||||
| 0.538% | 0.564% | 0.548% | 0.526% | 0.522% | |||||
| 0.696% | 0.720% | 0.722% | 0.702% | 0.714% | |||||
| 0.000% | 0.000% | 0.000% | 0.000% | 0.000% |
| ratios | Unit |
| 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| 8.00% | 11.0% | 9.13% | 8.54% | 6.69% | |||||
| 0.585% | 0.975% | 1.05% | 1.12% | 0.992% | |||||
| 0.848% | 0.849% | 0.939% | 0.857% | 0.956% | |||||
| 48.7% | 44.9% | 41.8% | 41.1% | 46.2% | |||||
| 77.3% | 50.4% | 46.0% | 56.3% | 62.3% | |||||
| 1.49% | 1.67% | 1.93% | 1.94% | 1.91% | |||||
| ... | 1.24% | 1.43% | 1.58% | 1.54% | 1.45% | ||||
| 4.62% | 4.22% | 4.64% | 4.57% | 4.56% | |||||
| ... | 3.38% | 2.79% | 3.06% | 3.03% | 3.11% | ||||
| 85.3% | 88.5% | 85.9% | 93.1% | 92.2% | |||||
| 11.1% | 10.1% | 10.2% | 4.93% | 7.73% | |||||
| 3.61% | 1.48% | 3.93% | 1.94% | 0.097% | |||||
| 3,682 | 3,261 | 3,212 | 3,123 | 3,296 | |||||
| 19,693 | 19,083 | 18,337 | 18,519 | 21,958 | |||||
| 37.7% | 38.0% | 35.9% | 36.6% | 38.1% | |||||
| 7.21% | 10.9% | 12.0% | 14.2% | 15.4% | |||||
| 94.6% | 63.0% | 71.6% | 46.7% | 34.3% | |||||
| 62.3% | 55.4% | 60.2% | 38.0% | 28.7% | |||||
| ... | ... | ... | ... | 0.000% | 0.000% | 0.000% | 0.063% | ||
| ... | ... | ... | ... | ... | ... | ... | 1,297% | ||
| ... | ... | ... | ... | 0.864% | 0.811% | 0.813% | 0.830% | ||
| 0.257% | -0.269% | < 0.001% | -0.357% | -0.386% |
| other data | Unit |
| 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| 22.0 | 23.0 | 23.0 | 22.0 | 22.0 |
This Annual Statistical Dossier offers a comparison of 7 banks from Intesa SanPaolo New Europe from 1996 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
Read more »This Annual Statistical Dossier offers a comparison of 7 banks from Intesa SanPaolo New Europe from 1996 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.
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.
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.
This Annual statistical dossier offers a summary of PBZ Stambena Stedionica's performance between 2008 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,
Read more »This Annual statistical dossier offers a summary of PBZ Stambena Stedionica's performance between 2008 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 PBZ Stambena Stedionica'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 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.
Jadranska Banka's loan to deposit ratio reached 26.4
Read more »Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Istarska Kreditna Banka Umag.
Jadranska Banka's loan to deposit ratio reached 26.4 at the end of 2017, down from 31.7 when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 83.6 in 2009 and an all time low of 26.4 in 2017.
Comparing Jadranska Banka with its closest peers, PBZ Stambena Stedionica ended the year 2017 with loans to deposits at 46.8, Istarska Kreditna Banka Umag with 53.2 and Croatia Banka some 55.1 of loans to deposits at the end of 2017.
Overall, total loans of the Croatian banking sector amounted to 78.0% of deposits at the end of 2017.
You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) 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 2016, PBZ Stambena Stedionica was paying its employees the best, followed by Privredna Banka Zagreb and Splitska Banka.
PBZ Stambena Stedionica employed 23.0 persons in 2016, up 4.55% when
Read more »Based on a comparison of 15 banks in Croatia in 2016, PBZ Stambena Stedionica was paying its employees the best, followed by Privredna Banka Zagreb and Splitska Banka.
PBZ Stambena Stedionica employed 23.0 persons in 2016, up 4.55% when compared to the previous year. Historically, the bank's workforce hit an all time high of 23.0 persons in 2016 and an all time low of 21.0 in 2009.
Average cost reached 19,156 per employee, 12.8% less than a year ago. This figure was some 10 years ago.
Staff accounted for 40.1% of total operating expenditures in 2016.
Comparing PBZ Stambena Stedionica with its closest peers, Privredna Banka Zagreb had 4,852 employees with average cost of 18,566 per person, Splitska Banka operated with 1,380 people (and 18,478 per employee) and Raiffeisen Stambena Stedionica had 43.0 employees in 2016 with cost of 18,455 per head.
The average staff cost per employee reached 15,227 in the Croatian banking sector in 2016.
You can see all the banks cost per employee data on the Cost Per Employee 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 2016, Zagrebacka Banka was the most cost efficient bank, followed by Erste & Steiermarkische Bank and Privredna Banka Zagreb.
Zagrebacka Banka's cost to income ratio reached 45.3 in 2016,
Read more »Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the most cost efficient bank, followed by Erste & Steiermarkische Bank and Privredna Banka Zagreb.
Zagrebacka Banka's cost to income ratio reached 45.3 in 2016, down from 50.8 when compared to the last year. Historically, the bank’s costs reached an all time high of 68.3 in 2001 and an all time low of 45.3 in 2016.
When compared to total assets, bank's cost amounted to 1.39% in 2016, down from 2.07 a year earlier.
Comparing Zagrebacka Banka with its closest peers, Erste & Steiermarkische Bank operated in 2016 with a cost to income ratio of 46.7, Privredna Banka Zagreb reached 47.5 and Splitska Banka some 50.6.
The average cost to income ratio reached 45.2% in the Croatian banking sector in 2016.
You can see all the banks cost efficiency data on the Costs (As % Of Income) 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 2016, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Slatinska Banka.
Jadranska Banka's loan to deposit ratio reached 31.7 at the end
Read more »Based on a comparison of 15 banks in Croatia in 2016, Jadranska Banka operated with the lowest loan to deposit ratio, followed by PBZ Stambena Stedionica and Slatinska Banka.
Jadranska Banka's loan to deposit ratio reached 31.7 at the end of 2016, down from 53.3 when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 83.6 in 2009 and an all time low of 31.7 in 2016.
Comparing Jadranska Banka with its closest peers, PBZ Stambena Stedionica ended the year 2016 with loans to deposits at 44.2, Slatinska Banka with 49.0 and Istarska Kreditna Banka Umag some 53.6 of loans to deposits at the end of 2016.
Overall, total loans of the Croatian banking sector amounted to 80.6% of deposits at the end of 2016.
You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Croatian banks in the report section.
