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Podravska Banka

Podravska Banka's npls (as % of loans) rose 31.0% to 23.5% in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's non-performing loans reached 23.5% of total loans at the end of 2017, up from 17.9% compared to the previous ye...

Podravska Banka's net interest margin fell 24.7% to 2.27% in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's net interest margin amounted to 2.27% in 2017, down from 3.01% compared to the previous year. Historical...

Podravska Banka's retail deposits rose 1.21% to HRK 1,873 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's retail deposits reached HRK 1,873 mil in 2017, up 1.21% compared to the previous year. Croatian banking secto...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 88.1 99.9 76.2
Net Fee Income HRK mil 24.0 24.0 23.3
Other Income HRK mil 21.1 28.0 36.7
Total Revenues HRK mil 133 152 136
Staff Cost HRK mil 50.3 44.5 44.6
Operating Profit HRK mil 28.8 55.7 41.6
Provisions HRK mil 25.2 18.8 24.1
Net Profit HRK mil 3.30 26.0 14.1
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 1,872 188 189
Customer Loans HRK mil 1,872 1,885 1,713
Total Assets HRK mil 3,182 3,455 3,273
Shareholders' Equity HRK mil 393 427 438
Interbank Borrowing HRK mil 91.2 144 38.9
Customer Deposits HRK mil 2,349 2,374 2,417
Issued Debt Securities HRK mil 310 447 333
Ratios 2015 2016 2017
ROE % 0.850 6.35 3.26
ROA % 0.106 0.785 0.419
Costs (As % Of Assets) % 3.35 2.90 2.81
Costs (As % Of Income) % 78.4 63.4 69.5
Capital Adequacy Ratio % 16.1 14.7 16.8
Net Interest Margin % 2.83 3.01 2.27
Loans (As % Of Deposits) % 79.7 79.4 70.9
NPLs (As % Of Loans) % 20.0 17.9 23.5
Provisions (As % Of NPLs) % 56.3 62.5 54.9
Growth Rates 2015 2016 2017
Total Revenue Growth % 3.14 14.1 -10.3
Operating Cost Growth % -4.03 -7.77 -1.67
Operating Profit Growth % 41.4 93.3 -25.3
Net Profit Growth % -123 689 -45.9
Customer Loan Growth % 2.67 0.666 -9.13
Total Asset Growth % 4.48 8.58 -5.25
Customer Deposit Growth % 4.12 1.05 1.81
Shareholders' Equity Growth % 2.57 8.52 2.65
Employees 240 223 221

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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 ... ...                 109 94.5 83.4 85.3 88.1    
Total Revenues HRK mil ... ...                 146 132 131 129 133    
Operating Profit HRK mil ... ...                 36.8 16.5 19.5 20.4 28.8    
Net Profit HRK mil ... ...                 12.5 8.13 1.05 -14.4 3.30    
balance sheet                                  
Interbank Loans HRK mil ... ...                 176 166 62.7 1,824 1,872    
Customer Loans HRK mil ... ...                 1,894 1,773 1,888 1,824 1,872    
Debt Securities HRK mil ... ...                 532 580 722 735 714    
Total Assets HRK mil                     2,912 3,068 3,103 3,045 3,182    
Shareholders' Equity HRK mil                     368 393 394 383 393    
Interbank Borrowing HRK mil ... ...                 151 147 69.8 106 91.2    
Customer Deposits HRK mil ... ...                 2,151 2,190 2,209 2,256 2,349    
Issued Debt Securities HRK mil ... ...                 212 286 388 243 310    
ratios                                  
ROE % ... ...                 3.36 2.14 0.268 -3.70 0.850    
ROA % ... ...                 0.437 0.272 0.034 -0.468 0.106    
Costs (As % Of Assets) % ... ...                 3.84 3.86 3.61 3.54 3.35    
Costs (As % Of Income) % ... ...                 74.9 87.5 85.1 84.2 78.4    
Capital Adequacy Ratio %                     16.6 17.0 19.1 16.4 16.1    
Net Interest Margin % ... ...                 3.84 3.16 2.70 2.78 2.83    
Interest Income (As % Of Revenues) % ... ...                 74.8 71.7 63.8 66.1 66.2    
Fee Income (As % Of Revenues) % ... ...                 17.4 17.9 17.8 18.6 18.0    
Staff Cost (As % Of Total Cost) % ... ...                 46.6 46.6 45.8 46.2 48.2    
Equity (As % Of Assets) %                     12.6 12.8 12.7 12.6 12.4    
Loans (As % Of Deposits) % ... ...                 88.1 80.9 85.5 80.8 79.7    
Loans (As % Assets) % ... ...                 65.0 57.8 60.8 59.9 58.8    
NPLs (As % Of Loans) % ... ... ... ... ...           10.5 16.9 17.6 18.0 20.0    
Provisions (As % Of NPLs) % ... ... ... ... ...           76.4 50.5 49.4 57.9 56.3    
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 ... ... ...               180 172 156 153 147    
Interest Cost HRK mil ... ... ...               70.4 77.5 72.9 67.3 59.3    
Net Interest Income HRK mil ... ...                 109 94.5 83.4 85.3 88.1    
Net Fee Income HRK mil ... ...                 25.5 23.6 23.2 24.0 24.0    
Other Income HRK mil ... ...                 11.4 13.7 24.2 19.8 21.1    
Total Revenues HRK mil ... ...                 146 132 131 129 133    
Staff Cost HRK mil ... ...                 51.0 53.7 51.0 50.2 50.3    
Depreciation HRK mil ... ...                 10.1 9.47 9.56 7.49 9.06    
Other Cost HRK mil ... ...                 48.5 52.1 50.8 51.0 45.0    
Operating Cost HRK mil ... ...                 110 115 111 109 104    
Operating Profit HRK mil ... ...                 36.8 16.5 19.5 20.4 28.8    
Provisions HRK mil ... ...                 21.1 6.28 17.7 37.9 25.2    
Extra and Other Cost HRK mil ... ...                 0 < -0.001 < 0.001 0 0    
Pre-Tax Profit HRK mil ... ...                 15.6 10.2 1.88 -17.5 3.60    
Tax HRK mil ... ...                 3.17 2.09 0.822 -3.10 -0.296    
Minorities HRK mil ... ...                 0 0 0 0 0    
Net Profit HRK mil ... ...                 12.5 8.13 1.05 -14.4 3.30    
growth rates                                  
Net Interest Income Growth % ... ... ...               25.3 -13.7 -11.7 2.29 3.23    
Net Fee Income Growth % ... ... ...               -4.58 -7.26 -1.75 3.21 0.083    
Total Revenue Growth % ... ... ...               5.10 -9.94 -0.761 -1.33 3.14    
Operating Cost Growth % ... ... ...               0.141 5.21 -3.50 -2.30 -4.03    
Operating Profit Growth % ... ... ...               23.3 -55.1 18.4 4.23 41.4    
Pre-Tax Profit Growth % ... ... ...               -2.67 -34.7 -81.6 -1,033 -121    
Net Profit Growth % ... ... ...               -3.92 -34.8 -87.0 -1,467 -123    
market share                                  
Market Share in Revenues % ... ...                 0.911 0.888 0.909 0.892 0.915    
Market Share in Net Profit % ... ...                 0.329 0.298 0.222 ... ...    
Market Share in Employees % ... ...                 1.44 1.36 1.32 1.31 1.15    
Market Share in Branches % ... ...           ... ... ... ... ... ... ... ... ... ...
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 ... ...                 189 389 268 230 321    
Interbank Loans HRK mil ... ...                 176 166 62.7 1,824 1,872    
Customer Loans HRK mil ... ...                 1,894 1,773 1,888 1,824 1,872    
Retail Loans HRK mil ... ...                 611 578 589 581 582    
Corporate Loans HRK mil ... ...                 1,449 1,354 1,481 1,454 1,528    
Debt Securities HRK mil ... ...                 532 580 722 735 714    
Fixed Assets HRK mil ... ...                 93.5 126 127 131 127    
Total Assets HRK mil                     2,912 3,068 3,103 3,045 3,182    
Shareholders' Equity HRK mil                     368 393 394 383 393    
Of Which Minority Interest HRK mil                     0 0 0 0 0    
Liabilities HRK mil                     2,544 2,675 2,709 2,662 2,788    
Interbank Borrowing HRK mil ... ...                 151 147 69.8 106 91.2    
Customer Deposits HRK mil ... ...                 2,151 2,190 2,209 2,256 2,349    
Retail Deposits HRK mil ... ...                 1,610 1,684 1,661 1,672 1,819    
Corporate Deposits HRK mil ... ...                 541 515 548 584 530    
Sight Deposits HRK mil ... ...                 639 573 655 620 680    
Term Deposits HRK mil ... ...                 1,511 1,617 1,553 1,636 1,669    
Issued Debt Securities HRK mil ... ...                 212 286 388 243 310    
Other Liabilities HRK mil ... ...                 30.6 51.7 42.0 57.2 38.5    
asset quality                                  
Non-Performing Loans HRK mil ... ... ... ... ...           217 327 364 367 423    
Gross Loans HRK mil ... ...                 2,060 1,938 2,068 2,036 2,111    
Total Provisions HRK mil ... ...                 166 165 180 212 238    
growth rates                                  
Customer Loan Growth % ... ... ...               20.5 -6.39 6.51 -3.40 2.67    
Retail Loan Growth % ... ... ...               -4.34 -5.33 1.87 -1.31 0.146    
Corporate Loan Growth % ... ... ...               34.1 -6.54 9.37 -1.78 5.07    
Total Asset Growth % ...                   4.10 5.36 1.16 -1.87 4.48    
Shareholders' Equity Growth % ...                   -1.65 6.80 0.382 -2.73 2.57    
Customer Deposit Growth % ... ... ...               2.03 1.84 0.850 2.14 4.12    
Retail Deposit Growth % ... ... ...               -1.70 4.58 -1.38 0.668 8.79    
Corporate Deposit Growth % ... ... ...               15.1 -4.65 6.36 6.61 -9.25    
market share                                  
Market Share in Customer Loans % ... ...                 0.752 0.750 0.806 0.794 0.842    
Market Share in Corporate Loans % ... ...                 1.30 1.40 1.55 1.58 1.75    
Market Share in Consumer Loans % ... ...                 0.477 0.458 0.477 0.475 0.484    
Market Share in Total Assets %                     0.699 0.747 0.748 0.726 0.764    
Market Share in Customer Deposits % ... ...                 0.975 0.965 0.934 0.924 0.914    
Market Share in Retail Deposits % ... ...                 0.945 0.946 0.926 0.913 0.968    
Market Share in Corporate Deposits % ... ... ...               1.12 1.15 1.29 1.34 0.999    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                  
ROE % ... ...                 3.36 2.14 0.268 -3.70 0.850    
ROA % ... ...                 0.437 0.272 0.034 -0.468 0.106    
Costs (As % Of Assets) % ... ...                 3.84 3.86 3.61 3.54 3.35    
Costs (As % Of Income) % ... ...                 74.9 87.5 85.1 84.2 78.4    
Capital Adequacy Ratio %                     16.6 17.0 19.1 16.4 16.1    
Net Interest Margin % ... ...                 3.84 3.16 2.70 2.78 2.83    
Interest Spread % ... ... ...               3.47 2.78 2.36 2.46 2.56    
Asset Yield % ... ... ...               6.30 5.75 5.07 4.96 4.73    
Cost Of Liabilities % ... ... ...               2.83 2.97 2.71 2.50 2.17    
Interest Income (As % Of Revenues) % ... ...                 74.8 71.7 63.8 66.1 66.2    
Fee Income (As % Of Revenues) % ... ...                 17.4 17.9 17.8 18.6 18.0    
Other Income (As % Of Revenues) % ... ...                 7.79 10.4 18.5 15.3 15.8    
Cost Per Employee USD per month ... ...                 2,532 2,604 2,602 2,538 2,621    
Cost Per Employee (Local Currency) HRK per month ... ...                 13,545 15,234 14,856 15,049 17,463    
Staff Cost (As % Of Total Cost) % ... ...                 46.6 46.6 45.8 46.2 48.2    
Equity (As % Of Assets) %                     12.6 12.8 12.7 12.6 12.4    
Loans (As % Of Deposits) % ... ...                 88.1 80.9 85.5 80.8 79.7    
Loans (As % Assets) % ... ...                 65.0 57.8 60.8 59.9 58.8    
NPLs (As % Of Loans) % ... ... ... ... ...           10.5 16.9 17.6 18.0 20.0    
Provisions (As % Of NPLs) % ... ... ... ... ...           76.4 50.5 49.4 57.9 56.3    
Provisions (As % Of Loans) % ... ...                 8.77 9.31 9.52 11.6 12.7    
Cost of Provisions (As % Of Loans) % ... ...                 1.22 0.343 0.965 2.04 1.36    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                  
Branches ... ...           ... ... ... ... ... ... ... ... ... ...
Employees ... ...                 314 294 286 278 240    
Sight (As % Of Customer Deposits) % ... ...                 29.7 26.2 29.7 27.5 29.0    

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Podravska Banka's net profit fell 45.9% to HRK 14.1 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka made a net profit of HRK 14.1 mil under revenues of HRK 136 mil in 2017, up -45.9% and -10.3% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 26.0 mil in 2016 and an all time low of HRK -...

Podravska Banka's total revenues fell 10.3% to HRK 136 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka generated total banking revenues of HRK 136 mil in 2017, down 10.3% 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. ...

Podravska Banka's customer deposits rose 1.81% to HRK 2,417 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's customer deposits reached HRK 2,417 mil in 2017, up 1.81% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 273 bil in 2017, up 2.57% when compared to the last year. Podravska Banka accounted for 0....

Podravska Banka's customer loans fell 9.13% to HRK 1,713 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's customer loans reached HRK 1,713 mil in 2017, down 9.13% 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. Podravska Banka accounted for 0.8...

Podravska Banka's corporate loans fell 17.0% to HRK 1,224 mil in 2017

By Helgi Analytics - December 12, 2019

Podravska Banka's corporate loans reached HRK 1,224 mil in 2017, down 17.0% 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. Podravska Banka accounted for 1.5...

Podravska Banka's corporate deposits rose 3.94% to HRK 544 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's corporate deposits reached HRK 544 mil in 2017, up 3.94% 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. Podravska Banka accounted for 0...

Podravska Banka's net interest income fell 23.7% to HRK 76.2 mil in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka generated total banking revenues of HRK 136 mil in 2017, down 10.3% 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 159 mil in 2007 and an...

Podravska Banka's customer loan growth fell 1,471% to -9.13% in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's customer loan growth reached -9.13% in 2017, down from 0.666% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 48.9% in 2006 and an all time low of -13.4% in 2009. In the last decade, the a...

Podravska Banka's employees fell 0.897% to 347 in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka employed 347 persons in 2007, up 0.289% when compared to the previous year. Historically, the bank's workforce hit an all time high of 347 persons in 2007 and an all time low of 212 in 2003. Average cost reached USD 2,091 per month per employee, ...

Podravska Banka's costs (as % of assets) fell 3.01% to 5.02% in 2017

By Helgi Analytics - August 5, 2018

Podravska Banka's cost to income ratio reached 84.4% in 2007, down from 92.4% compared to the previous year. Historically, the bank’s costs reached an all time high of 92.4% of income in 2006 and an all time low of 75.6% in 2005. When compared to total ass...

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Finance

Podravska Banka has been growing its revenues and asset by -1.53% and 1.56% a year on average in the last 10 years. Its loans and deposits have grown by 0.830% and 0.363% a year during that time and loans to deposits ratio reached 70.9% at the end of 2017. The company achieved an average return on equity of 2.65% in the last decade with net profit growing -3.15% a year on average. In terms of operating efficiency, its cost to income ratio reached 69.5% in 2017, compared to 78.2% average in the last decade.

Equity represented 13.4% of total assets or 25.6% of loans at the end of 2017. Podravska Banka's non-performing loans were 23.5% of total loans while provisions covered some 54.9% of NPLs at the end of 2017.

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