PBZ Stambena Stedionica

PBZ Stambena Stedionica's customer deposits rose 5.91% to HRK 1,533 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica's customer deposits reached HRK 1,533 mil in 2017, up 5.91% compared to the previous year. Croatian ban...

PBZ Stambena Stedionica's retail deposits rose 5.91% to HRK 1,533 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica's retail deposits reached HRK 1,533 mil in 2017, up 5.91% compared to the previous year. Croatian banki...

PBZ Stambena Stedionica's total revenues rose 27.2% to HRK 23.9 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica generated total banking revenues of HRK 23.9 mil in 2017, up 27.2% compared to the previous year. ...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 30.3 14.9 21.2
Fee Income (As % Of Revenues) % 7.73 18.1 11.3
Other Income HRK mil 0.032 0.495 0.054
Total Revenues HRK mil 32.9 18.8 23.9
Staff Cost HRK mil 5.80 5.29 4.79
Operating Profit HRK mil 17.7 5.63 11.1
Provisions HRK mil -2.05 1.56 0.241
Net Profit HRK mil 15.8 3.18 8.89
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 396 363 289
Customer Loans HRK mil 459 640 717
Debt Securities HRK mil 740 743 796
Total Assets HRK mil 1,600 1,766 1,819
Shareholders' Equity HRK mil 247 265 266
Interbank Borrowing HRK mil 0 37.0 4.00
Customer Deposits HRK mil 1,341 1,447 1,533
Issued Debt Securities HRK mil 0 0 0
Ratios 2015 2016 2017
ROE % 6.69 1.24 3.34
ROA % 0.992 0.189 0.496
Costs (As % Of Assets) % 0.956 0.784 0.715
Costs (As % Of Income) % 46.2 70.1 53.6
Capital Adequacy Ratio % 62.3 50.8 58.8
Net Interest Margin % 1.91 0.886 1.18
Loans (As % Of Deposits) % 34.3 44.2 46.8
NPLs (As % Of Loans) % 0.063 0.057 0.295
Provisions (As % Of NPLs) % 1,297 1,472 297
Growth Rates 2015 2016 2017
Total Revenue Growth % 1.14 -42.8 27.2
Operating Cost Growth % 13.7 -13.2 -2.84
Operating Profit Growth % -7.65 -68.2 97.5
Net Profit Growth % -9.85 -79.8 179
Customer Loan Growth % -23.4 39.2 12.0
Total Asset Growth % 1.41 10.3 3.04
Customer Deposit Growth % 4.35 7.95 5.91
Shareholders' Equity Growth % 9.83 7.60 0.286
Employees 22.0 23.0 24.0

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summary Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                    
Net Interest Income HRK mil       24.2 27.3 28.9 30.3 30.3    
Total Revenues HRK mil       28.4 30.8 33.7 32.5 32.9    
Operating Profit HRK mil       14.6 17.0 19.6 19.1 17.7    
Net Profit HRK mil       9.51 15.9 15.7 17.5 15.8    
balance sheet                    
Interbank Loans HRK mil       305 373 305 346 396    
Customer Loans HRK mil       1,123 808 927 600 459    
Debt Securities HRK mil       367 267 269 611 740    
Total Assets HRK mil       1,803 1,459 1,541 1,578 1,600    
Shareholders' Equity HRK mil       130 159 185 225 247    
Interbank Borrowing HRK mil       469 0 56.7 60.7 0    
Customer Deposits HRK mil       1,187 1,281 1,295 1,285 1,341    
Issued Debt Securities HRK mil       0 10.0 0 0 0    
ratios                    
ROE %       8.00 11.0 9.13 8.54 6.69    
ROA %       0.585 0.975 1.05 1.12 0.992    
Costs (As % Of Assets) %       0.848 0.849 0.939 0.857 0.956    
Costs (As % Of Income) %       48.7 44.9 41.8 41.1 46.2    
Capital Adequacy Ratio %       77.3 50.4 46.0 56.3 62.3    
Net Interest Margin %       1.49 1.67 1.93 1.94 1.91    
Interest Income (As % Of Revenues) %       85.3 88.5 85.9 93.1 92.2    
Fee Income (As % Of Revenues) %       11.1 10.1 10.2 4.93 7.73    
Staff Cost (As % Of Total Cost) %       37.7 38.0 35.9 36.6 38.1    
Equity (As % Of Assets) %       7.21 10.9 12.0 14.2 15.4    
Loans (As % Of Deposits) %       94.6 63.0 71.6 46.7 34.3    
Loans (As % Assets) %       62.3 55.4 60.2 38.0 28.7    
NPLs (As % Of Loans) % ... ... ... ... 0 0 0 0.063    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... 1,297    
income statement Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                    
Interest Income HRK mil       75.2 68.8 69.6 71.3 72.4    
Interest Cost HRK mil       51.0 41.5 40.6 41.0 42.1    
Net Interest Income HRK mil       24.2 27.3 28.9 30.3 30.3    
Net Fee Income HRK mil       3.14 3.10 3.43 1.60 2.54    
Other Income HRK mil       1.03 0.455 1.33 0.630 0.032    
Total Revenues HRK mil       28.4 30.8 33.7 32.5 32.9    
Staff Cost HRK mil       5.20 5.27 5.06 4.89 5.80    
Depreciation HRK mil       0.071 0.069 0.074 0.061 0.051    
Other Cost HRK mil       8.53 8.51 8.95 8.41 9.35    
Operating Cost HRK mil       13.8 13.8 14.1 13.4 15.2    
Operating Profit HRK mil       14.6 17.0 19.6 19.1 17.7    
Provisions HRK mil       2.85 -2.60 0.004 -2.72 -2.05    
Extra and Other Cost HRK mil       0 < 0.001 < 0.001 0 0    
Pre-Tax Profit HRK mil       11.7 19.6 19.6 21.9 19.7    
Tax HRK mil       2.21 3.70 3.93 4.38 3.96    
Minorities HRK mil       0 0 0 0 0    
Net Profit HRK mil       9.51 15.9 15.7 17.5 15.8    
growth rates                    
Net Interest Income Growth % ...     -9.78 12.7 6.05 4.61 0.099    
Net Fee Income Growth % ...     8.03 -1.05 10.6 -53.3 58.4    
Total Revenue Growth % ...     -9.14 8.72 9.25 -3.53 1.14    
Operating Cost Growth % ...     3.97 0.304 1.70 -5.09 13.7    
Operating Profit Growth % ...     -18.8 16.7 15.4 -2.41 -7.65    
Pre-Tax Profit Growth % ...     -36.6 67.2 0.064 11.5 -9.79    
Net Profit Growth % ...     -37.5 67.2 -1.38 11.5 -9.85    
market share                    
Market Share in Revenues %       0.177 0.208 0.234 0.225 0.226    
Market Share in Net Profit %       0.251 0.584 3.31 1.27 ...    
Market Share in Employees %       0.101 0.106 0.106 0.104 0.105    
balance sheet Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                    
Cash HRK mil       14.2 4.87 35.6 20.5 4.44    
Interbank Loans HRK mil       305 373 305 346 396    
Customer Loans HRK mil       1,123 808 927 600 459    
Debt Securities HRK mil       367 267 269 611 740    
Fixed Assets HRK mil       0.145 0.178 0.126 0.121 0.149    
Total Assets HRK mil       1,803 1,459 1,541 1,578 1,600    
Shareholders' Equity HRK mil       130 159 185 225 247    
Of Which Minority Interest HRK mil       0 0 0 0 0    
Liabilities HRK mil       1,673 1,300 1,356 1,353 1,354    
Interbank Borrowing HRK mil       469 0 56.7 60.7 0    
Customer Deposits HRK mil       1,187 1,281 1,295 1,285 1,341    
Retail Deposits HRK mil       1,187 1,281 1,295 1,285 1,341    
Corporate Deposits HRK mil       0 0 0 0 0    
Issued Debt Securities HRK mil       0 10.0 0 0 0    
Other Liabilities HRK mil       17.0 8.73 4.20 8.03 13.0    
asset quality                    
Non-Performing Loans HRK mil ... ... ... ... 0 0 0 0.294    
Gross Loans HRK mil ... ... ... ... 815 935 605 463    
Total Provisions HRK mil ... ... ... ... 6.98 7.52 4.88 3.81    
growth rates                    
Customer Loan Growth % ...     3.01 -28.1 14.8 -35.3 -23.4    
Total Asset Growth % ...     24.3 -19.1 5.62 2.43 1.41    
Shareholders' Equity Growth % ...     20.5 22.0 16.7 21.4 9.83    
Customer Deposit Growth % ...     2.36 7.98 1.05 -0.767 4.35    
Retail Deposit Growth % ...     2.36 7.98 1.05 -0.767 4.35    
market share                    
Market Share in Customer Loans %       0.446 0.342 0.396 0.261 0.206    
Market Share in Total Assets %       0.433 0.355 0.371 0.376 0.384    
Market Share in Customer Deposits %       0.538 0.564 0.548 0.526 0.522    
Market Share in Retail Deposits %       0.696 0.720 0.722 0.702 0.714    
Market Share in Corporate Deposits %       0 0 0 0 0    
ratios Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                    
ROE %       8.00 11.0 9.13 8.54 6.69    
ROA %       0.585 0.975 1.05 1.12 0.992    
Costs (As % Of Assets) %       0.848 0.849 0.939 0.857 0.956    
Costs (As % Of Income) %       48.7 44.9 41.8 41.1 46.2    
Capital Adequacy Ratio %       77.3 50.4 46.0 56.3 62.3    
Net Interest Margin %       1.49 1.67 1.93 1.94 1.91    
Interest Spread % ...     1.24 1.43 1.58 1.54 1.45    
Asset Yield %       4.62 4.22 4.64 4.57 4.56    
Cost Of Liabilities % ...     3.38 2.79 3.06 3.03 3.11    
Interest Income (As % Of Revenues) %       85.3 88.5 85.9 93.1 92.2    
Fee Income (As % Of Revenues) %       11.1 10.1 10.2 4.93 7.73    
Other Income (As % Of Revenues) %       3.61 1.48 3.93 1.94 0.097    
Cost Per Employee USD per month       3,682 3,261 3,212 3,123 3,296    
Cost Per Employee (Local Currency) HRK per month       19,693 19,083 18,337 18,519 21,958    
Staff Cost (As % Of Total Cost) %       37.7 38.0 35.9 36.6 38.1    
Equity (As % Of Assets) %       7.21 10.9 12.0 14.2 15.4    
Loans (As % Of Deposits) %       94.6 63.0 71.6 46.7 34.3    
Loans (As % Assets) %       62.3 55.4 60.2 38.0 28.7    
NPLs (As % Of Loans) % ... ... ... ... 0 0 0 0.063    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... 1,297    
Provisions (As % Of Loans) % ... ... ... ... 0.864 0.811 0.813 0.830    
Cost of Provisions (As % Of Loans) %       0.257 -0.269 < 0.001 -0.357 -0.386    
other data Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                    
Employees       22.0 23.0 23.0 22.0 22.0    

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PBZ Stambena Stedionica's net interest margin rose 33.3% to 1.18% in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica's net interest margin amounted to 1.18% in 2017, up from 0.886% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.97% in 2009 and an all time low of 0.886% in 2016. The aver...

PBZ Stambena Stedionica's net profit rose 179% to HRK 8.89 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica made a net profit of HRK 8.89 mil under revenues of HRK 23.9 mil in 2017, up 179% and 27.2% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 17.5 mil in 2014 and an all time low of ...

PBZ Stambena Stedionica's customer loans rose 12.0% to HRK 717 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica's customer loans reached HRK 717 mil in 2017, up 12.0% 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. PBZ Stambena Stedionica accou...

PBZ Stambena Stedionica's net interest income rose 42.0% to HRK 21.2 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica generated total banking revenues of HRK 23.9 mil in 2017, up 27.2% 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 33.7 mil in 201...

PBZ Stambena Stedionica's corporate deposits remain unchanged at HRK 0 mil in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica's corporate deposits reached HRK 0 mil in 2017, down 0% 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. PBZ Stambena Stedionica ac...

PBZ Stambena Stedionica's customer loan growth fell 69.3% to 12.0% in 2017

By Helgi Analytics - November 05, 2019

PBZ Stambena Stedionica's customer loan growth reached 12.0% in 2017, down from 39.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 8,232% in 2009 and an all time low of -35.3% in 2014. In the last decade...

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Finance

PBZ Stambena Stedionica has been growing its revenues and asset by -9.72% and 4.86% a year on average in the last 3 years. Its loans and deposits have grown by 6.10% and 6.06% a year during that time and loans to deposits ratio reached 46.8% at the end of 2017. The company achieved an average return on equity of 3.76% in the last three years with net profit growing -20.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 53.6% in 2017, compared to 56.6% average in the last three years.

Equity represented 14.6% of total assets or 37.1% of loans at the end of 2017. PBZ Stambena Stedionica's non-performing loans were 0.295% of total loans while provisions covered some 297% of NPLs at the end of 2017.