By Helgi Analytics - August 8, 2018
PBZ Stambena Stedionica's customer deposits reached HRK 1,533 mil in 2017, up 5.91% compared to the previous year. Croatian ban...
By Helgi Analytics - August 8, 2018
PBZ Stambena Stedionica's retail deposits reached HRK 1,533 mil in 2017, up 5.91% compared to the previous year. Croatian banki...
By Helgi Analytics - August 8, 2018
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 | |
Get all company financials in excel:
| 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 |
Get all company financials in excel:
By Helgi Analytics - August 8, 2018
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...
By Helgi Analytics - August 8, 2018
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 ...
By Helgi Analytics - August 8, 2018
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...
By Helgi Analytics - August 8, 2018
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...
By Helgi Analytics - August 8, 2018
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...
By Helgi Analytics - August 9, 2018
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...
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.
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