By Helgi Library - August 3, 2018
Sberbank Croatia's non-performing loans reached 17.9% of total loans at the end of 2017, up from 16.0% compared to the previous y...
By Helgi Library - August 3, 2018
Sberbank Croatia made a net profit of HRK -136 mil under revenues of HRK 381 mil in 2017, up -415% and 4.35% respectively compared to...
By Helgi Library - August 3, 2018
Sberbank Croatia employed 535 persons in 2017, down 0.187% when compared to the previous year. Historically, the bank's workforc...
Profit Statement | 2015 | 2016 | 2017 | |
Net Interest Income | HRK mil | 257 | 273 | 285 |
Net Fee Income | HRK mil | 46.3 | 54.3 | 57.1 |
Other Income | HRK mil | 17.8 | 37.4 | 38.5 |
Total Revenues | HRK mil | 321 | 365 | 381 |
Staff Cost | HRK mil | 99.3 | 100 | 102 |
Operating Profit | HRK mil | 89.3 | 139 | 152 |
Provisions | HRK mil | 335 | 70.0 | 310 |
Net Profit | HRK mil | -198 | 43.1 | -136 |
Balance Sheet | 2015 | 2016 | 2017 | |
Interbank Loans | HRK mil | 915 | 901 | 1,228 |
Customer Loans | HRK mil | 6,901 | 6,089 | 5,258 |
Total Assets | HRK mil | 9,735 | 9,263 | 8,893 |
Shareholders' Equity | HRK mil | 1,226 | 1,275 | 1,141 |
Interbank Borrowing | HRK mil | 1,253 | 1,076 | 486 |
Customer Deposits | HRK mil | 6,386 | 6,357 | 6,067 |
Issued Debt Securities | HRK mil | 526 | 391 | 1,025 |
Ratios | 2015 | 2016 | 2017 | |
ROE | % | -15.0 | 3.45 | -11.2 |
ROA | % | -1.98 | 0.454 | -1.50 |
Costs (As % Of Assets) | % | 2.32 | 2.38 | 2.52 |
Costs (As % Of Income) | % | 72.2 | 61.9 | 60.1 |
Capital Adequacy Ratio | % | 17.3 | 19.9 | 19.7 |
Net Interest Margin | % | 2.57 | 2.87 | 3.14 |
Loans (As % Of Deposits) | % | 108 | 95.8 | 86.7 |
NPLs (As % Of Loans) | % | 16.4 | 16.0 | 17.9 |
Provisions (As % Of NPLs) | % | 60.4 | 70.1 | 78.1 |
Growth Rates | 2015 | 2016 | 2017 | |
Total Revenue Growth | % | -9.86 | 13.5 | 4.35 |
Operating Cost Growth | % | 2.94 | -2.78 | 1.33 |
Operating Profit Growth | % | -31.9 | 55.7 | 9.24 |
Net Profit Growth | % | -756 | -122 | -415 |
Customer Loan Growth | % | -4.82 | -11.8 | -13.6 |
Total Asset Growth | % | -5.16 | -4.84 | -3.99 |
Customer Deposit Growth | % | 11.0 | -0.467 | -4.55 |
Shareholders' Equity Growth | % | -13.9 | 3.97 | -10.5 |
Employees | 526 | 536 | 535 |
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 | ... | 218 | 190 | 214 | 267 | 257 | |||||||||||
Total Revenues | HRK mil | ... | 278 | 257 | 285 | 357 | 321 | |||||||||||
Operating Profit | HRK mil | ... | 99.5 | 63.9 | 83.6 | 131 | 89.3 | |||||||||||
Net Profit | HRK mil | ... | 0.868 | -140 | -45.6 | 30.2 | -198 | |||||||||||
balance sheet | ||||||||||||||||||
Interbank Loans | HRK mil | ... | 1,023 | 1,157 | 963 | 1,016 | 915 | |||||||||||
Customer Loans | HRK mil | 5,179 | 5,459 | 6,286 | 7,251 | 6,901 | ||||||||||||
Debt Securities | HRK mil | ... | 333 | 599 | 551 | 577 | 688 | |||||||||||
Total Assets | HRK mil | 7,495 | 8,211 | 9,263 | 10,265 | 9,735 | ||||||||||||
Shareholders' Equity | HRK mil | ... | 1,569 | 1,441 | 1,392 | 1,424 | 1,226 | |||||||||||
Interbank Borrowing | HRK mil | ... | 1,711 | 202 | 1,003 | 1,877 | 1,253 | |||||||||||
Customer Deposits | HRK mil | 3,625 | 4,935 | 5,415 | 5,755 | 6,386 | ||||||||||||
Issued Debt Securities | HRK mil | ... | 516 | 1,562 | 1,337 | 1,101 | 526 | |||||||||||
ratios | ||||||||||||||||||
ROE | % | ... | 0.054 | -9.32 | -3.22 | 2.15 | -15.0 | |||||||||||
ROA | % | ... | 0.011 | -1.79 | -0.522 | 0.310 | -1.98 | |||||||||||
Costs (As % Of Assets) | % | ... | 2.34 | 2.46 | 2.31 | 2.31 | 2.32 | |||||||||||
Costs (As % Of Income) | % | ... | 64.2 | 75.1 | 70.7 | 63.2 | 72.2 | |||||||||||
Capital Adequacy Ratio | % | 28.4 | 23.3 | 20.5 | 19.7 | 17.3 | ||||||||||||
Net Interest Margin | % | ... | 2.86 | 2.42 | 2.44 | 2.73 | 2.57 | |||||||||||
Interest Income (As % Of Revenues) | % | ... | 78.3 | 73.9 | 74.9 | 74.8 | 80.1 | |||||||||||
Fee Income (As % Of Revenues) | % | ... | 11.8 | 12.9 | 13.4 | 13.7 | 14.4 | |||||||||||
Staff Cost (As % Of Total Cost) | % | ... | 41.2 | 40.3 | 46.2 | 47.2 | 42.8 | |||||||||||
Equity (As % Of Assets) | % | ... | 20.9 | 17.5 | 15.0 | 13.9 | 12.6 | |||||||||||
Loans (As % Of Deposits) | % | 143 | 111 | 116 | 126 | 108 | ||||||||||||
Loans (As % Assets) | % | 69.1 | 66.5 | 67.9 | 70.6 | 70.9 | ||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | 10.3 | 10.9 | 16.8 | 15.8 | 16.4 | |||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | 65.3 | 89.1 | 56.8 | 55.8 | 60.4 | |||||||||
valuation | ||||||||||||||||||
Book Value Per Share Growth | % | ... | ... | -8.76 | -12.7 | 12.5 | 24.9 | -3.52 |
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 | ... | 384 | 379 | 403 | 438 | 442 | |||||||||||
Interest Cost | HRK mil | ... | 166 | 189 | 189 | 171 | 185 | |||||||||||
Net Interest Income | HRK mil | ... | 218 | 190 | 214 | 267 | 257 | |||||||||||
Net Fee Income | HRK mil | ... | 32.8 | 33.1 | 38.3 | 48.8 | 46.3 | |||||||||||
Other Income | HRK mil | ... | 27.3 | 33.9 | 33.3 | 41.1 | 17.8 | |||||||||||
Total Revenues | HRK mil | ... | 278 | 257 | 285 | 357 | 321 | |||||||||||
Staff Cost | HRK mil | ... | 73.5 | 77.7 | 93.1 | 106 | 99.3 | |||||||||||
Depreciation | HRK mil | ... | 8.04 | 6.87 | 8.31 | 12.8 | 16.5 | |||||||||||
Other Cost | HRK mil | ... | 96.7 | 108 | 100 | 106 | 116 | |||||||||||
Operating Cost | HRK mil | ... | 178 | 193 | 202 | 225 | 232 | |||||||||||
Operating Profit | HRK mil | ... | 99.5 | 63.9 | 83.6 | 131 | 89.3 | |||||||||||
Provisions | HRK mil | ... | 97.1 | 236 | 140 | 90.6 | 335 | |||||||||||
Extra and Other Cost | HRK mil | ... | < -0.001 | 0.001 | 0 | 0 | 0 | |||||||||||
Pre-Tax Profit | HRK mil | 2.40 | -172 | -56.6 | 40.5 | -246 | ||||||||||||
Tax | HRK mil | ... | 1.54 | -31.4 | -10.9 | 10.3 | -47.7 | |||||||||||
Minorities | HRK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
Net Profit | HRK mil | ... | 0.868 | -140 | -45.6 | 30.2 | -198 | |||||||||||
growth rates | ||||||||||||||||||
Net Interest Income Growth | % | ... | ... | -8.76 | -12.7 | 12.5 | 24.9 | -3.52 | ||||||||||
Net Fee Income Growth | % | ... | ... | -8.40 | 0.814 | 15.8 | 27.3 | -5.17 | ||||||||||
Total Revenue Growth | % | ... | ... | -9.95 | -7.52 | 11.0 | 25.1 | -9.86 | ||||||||||
Operating Cost Growth | % | ... | ... | 8.64 | 8.22 | 4.52 | 11.8 | 2.94 | ||||||||||
Operating Profit Growth | % | ... | ... | -31.1 | -35.7 | 30.7 | 56.9 | -31.9 | ||||||||||
Pre-Tax Profit Growth | % | ... | -94.7 | -7,240 | -67.1 | -172 | -706 | |||||||||||
Net Profit Growth | % | ... | ... | -97.5 | -16,265 | -67.5 | -166 | -756 | ||||||||||
market share | ||||||||||||||||||
Market Share in Revenues | % | ... | 1.73 | 1.73 | 1.98 | 2.46 | 2.21 | |||||||||||
Market Share in Net Profit | % | ... | 0.023 | ... | ... | 2.19 | ... | ... | ||||||||||
Market Share in Employees | % | 2.07 | 2.16 | 2.32 | 2.56 | 2.52 | ||||||||||||
Market Share in Branches | % | 2.45 | 2.47 | 2.54 | 2.60 | 2.64 |
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 | ... | 863 | 821 | 1,235 | 1,192 | 990 | |||||||||||
Interbank Loans | HRK mil | ... | 1,023 | 1,157 | 963 | 1,016 | 915 | |||||||||||
Customer Loans | HRK mil | 5,179 | 5,459 | 6,286 | 7,251 | 6,901 | ||||||||||||
Retail Loans | HRK mil | ... | 3,093 | 3,021 | 3,186 | 3,417 | 3,470 | |||||||||||
Corporate Loans | HRK mil | ... | 2,188 | 2,817 | 3,377 | 3,848 | 3,583 | |||||||||||
Debt Securities | HRK mil | ... | 333 | 599 | 551 | 577 | 688 | |||||||||||
Fixed Assets | HRK mil | ... | 31.1 | 32.9 | 73.0 | 103 | 104 | |||||||||||
Total Assets | HRK mil | 7,495 | 8,211 | 9,263 | 10,265 | 9,735 | ||||||||||||
Shareholders' Equity | HRK mil | ... | 1,569 | 1,441 | 1,392 | 1,424 | 1,226 | |||||||||||
Of Which Minority Interest | HRK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||
Liabilities | HRK mil | ... | 5,926 | 6,770 | 7,871 | 8,841 | 8,509 | |||||||||||
Interbank Borrowing | HRK mil | ... | 1,711 | 202 | 1,003 | 1,877 | 1,253 | |||||||||||
Customer Deposits | HRK mil | 3,625 | 4,935 | 5,415 | 5,755 | 6,386 | ||||||||||||
Retail Deposits | HRK mil | ... | 2,332 | 2,574 | 2,745 | 3,150 | 3,431 | |||||||||||
Corporate Deposits | HRK mil | ... | 1,293 | 2,361 | 2,669 | 2,606 | 2,955 | |||||||||||
Sight Deposits | HRK mil | ... | 1,023 | 984 | 1,125 | 1,054 | 1,027 | |||||||||||
Term Deposits | HRK mil | ... | 2,603 | 3,951 | 4,290 | 4,701 | 5,360 | |||||||||||
Issued Debt Securities | HRK mil | ... | 516 | 1,562 | 1,337 | 1,101 | 526 | |||||||||||
Other Liabilities | HRK mil | ... | 74.0 | 71.1 | 116 | 108 | 343 | |||||||||||
asset quality | ||||||||||||||||||
Non-Performing Loans | HRK mil | ... | ... | ... | 572 | 661 | 1,168 | 1,252 | 1,256 | |||||||||
Gross Loans | HRK mil | ... | 5,553 | 6,049 | 6,950 | 7,950 | 7,660 | |||||||||||
Total Provisions | HRK mil | ... | 373 | 589 | 664 | 699 | 758 | |||||||||||
growth rates | ||||||||||||||||||
Customer Loan Growth | % | ... | -0.471 | 5.41 | 15.1 | 15.3 | -4.82 | |||||||||||
Retail Loan Growth | % | ... | ... | -6.38 | -2.32 | 5.47 | 7.24 | 1.56 | ||||||||||
Corporate Loan Growth | % | ... | ... | 13.4 | 28.7 | 19.9 | 14.0 | -6.88 | ||||||||||
Total Asset Growth | % | ... | -2.92 | 9.55 | 12.8 | 10.8 | -5.16 | |||||||||||
Shareholders' Equity Growth | % | ... | ... | -5.81 | -8.16 | -3.40 | 2.30 | -13.9 | ||||||||||
Customer Deposit Growth | % | ... | -2.63 | 36.1 | 9.72 | 6.29 | 11.0 | |||||||||||
Retail Deposit Growth | % | ... | ... | 3.65 | 10.4 | 6.68 | 14.7 | 8.93 | ||||||||||
Corporate Deposit Growth | % | ... | ... | -12.2 | 82.6 | 13.0 | -2.39 | 13.4 | ||||||||||
market share | ||||||||||||||||||
Market Share in Customer Loans | % | 2.06 | 2.31 | 2.69 | 3.16 | 3.10 | ||||||||||||
Market Share in Corporate Loans | % | ... | 1.96 | 2.92 | 3.53 | 4.18 | 4.11 | |||||||||||
Market Share in Consumer Loans | % | ... | 2.41 | 2.39 | 2.58 | 2.79 | 2.88 | |||||||||||
Market Share in Total Assets | % | 1.80 | 2.00 | 2.23 | 2.45 | 2.34 | ||||||||||||
Market Share in Customer Deposits | % | 1.64 | 2.17 | 2.29 | 2.36 | 2.49 | ||||||||||||
Market Share in Retail Deposits | % | ... | 1.37 | 1.45 | 1.53 | 1.72 | 1.83 | |||||||||||
Market Share in Corporate Deposits | % | ... | ... | ... | 2.69 | 5.25 | 6.31 | 5.96 | 5.57 |
ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
ratios | ||||||||||||||||||
ROE | % | ... | 0.054 | -9.32 | -3.22 | 2.15 | -15.0 | |||||||||||
ROA | % | ... | 0.011 | -1.79 | -0.522 | 0.310 | -1.98 | |||||||||||
Costs (As % Of Assets) | % | ... | 2.34 | 2.46 | 2.31 | 2.31 | 2.32 | |||||||||||
Costs (As % Of Income) | % | ... | 64.2 | 75.1 | 70.7 | 63.2 | 72.2 | |||||||||||
Capital Adequacy Ratio | % | 28.4 | 23.3 | 20.5 | 19.7 | 17.3 | ||||||||||||
Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.4 | 23.3 | 20.5 | 19.7 | 17.3 | |||
Net Interest Margin | % | ... | 2.86 | 2.42 | 2.44 | 2.73 | 2.57 | |||||||||||
Interest Spread | % | ... | ... | 2.27 | 1.85 | 2.02 | 2.44 | 2.29 | ||||||||||
Asset Yield | % | ... | 5.04 | 4.83 | 4.61 | 4.48 | 4.42 | |||||||||||
Cost Of Liabilities | % | ... | ... | 2.77 | 2.98 | 2.59 | 2.05 | 2.13 | ||||||||||
Interest Income (As % Of Revenues) | % | ... | 78.3 | 73.9 | 74.9 | 74.8 | 80.1 | |||||||||||
Fee Income (As % Of Revenues) | % | ... | 11.8 | 12.9 | 13.4 | 13.7 | 14.4 | |||||||||||
Other Income (As % Of Revenues) | % | ... | 9.84 | 13.2 | 11.7 | 11.5 | 5.54 | |||||||||||
Cost Per Employee | USD per month | ... | 2,534 | 2,370 | 2,696 | 2,759 | 2,362 | |||||||||||
Cost Per Employee (Local Currency) | HRK per month | ... | 13,553 | 13,869 | 15,392 | 16,362 | 15,738 | |||||||||||
Staff Cost (As % Of Total Cost) | % | ... | 41.2 | 40.3 | 46.2 | 47.2 | 42.8 | |||||||||||
Equity (As % Of Assets) | % | ... | 20.9 | 17.5 | 15.0 | 13.9 | 12.6 | |||||||||||
Loans (As % Of Deposits) | % | 143 | 111 | 116 | 126 | 108 | ||||||||||||
Loans (As % Assets) | % | 69.1 | 66.5 | 67.9 | 70.6 | 70.9 | ||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | 10.3 | 10.9 | 16.8 | 15.8 | 16.4 | |||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | 65.3 | 89.1 | 56.8 | 55.8 | 60.4 | |||||||||
Provisions (As % Of Loans) | % | ... | 7.21 | 10.8 | 10.6 | 9.64 | 11.0 | |||||||||||
Cost of Provisions (As % Of Loans) | % | ... | 1.87 | 4.43 | 2.39 | 1.34 | 4.74 |
other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
other data | ||||||||||||||||||
Branches | 31.0 | 31.0 | 31.0 | 31.0 | 31.0 | |||||||||||||
Employees | 452 | 467 | 504 | 542 | 526 | |||||||||||||
Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Sight (As % Of Customer Deposits) | % | ... | 28.2 | 19.9 | 20.8 | 18.3 | 16.1 |
Get all company financials in excel:
By Helgi Library - August 3, 2018
Sberbank Croatia generated total banking revenues of HRK 381 mil in 2017, up 4.35% 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 3, 2018
Sberbank Croatia's customer deposits reached HRK 6,067 mil in 2017, down 4.55% 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. Sberbank Croatia accounted fo...
By Helgi Library - August 3, 2018
Sberbank Croatia's retail deposits reached HRK 3,351 mil in 2017, down 1.64% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Sberbank Croatia accounted for 1...
By Helgi Library - August 3, 2018
Sberbank Croatia's corporate deposits reached HRK 2,716 mil in 2017, down 7.92% 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. Sberbank Croatia accounted...
By Helgi Library - August 3, 2018
Sberbank Croatia's net interest margin amounted to 3.14% in 2017, up from 2.87% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.82% in 2003 and an all time low of 2.42% in 2012. The average margi...
By Helgi Library - August 3, 2018
Sberbank Croatia's customer loans reached HRK 5,258 mil in 2017, down 13.6% 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. Sberbank Croatia accounted for 2...
By Helgi Library - August 3, 2018
Sberbank Croatia generated total banking revenues of HRK 381 mil in 2017, up 4.35% 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 381 mil in 2017 and an ...
By Helgi Library - August 3, 2018
Sberbank Croatia's capital adequacy ratio reached 19.7% at the end of 2017, down from 19.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 28.7% in 2010 and an all time low of 17.3% in 2015. The Tier 1 ratio amou...
By Helgi Library - December 12, 2019
Sberbank Croatia's corporate loans reached HRK 2,776 mil in 2017, down 13.1% 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. Sberbank Croatia accounted for 3...
By Helgi Library - August 3, 2018
Sberbank Croatia's cost to income ratio reached 60.1% in 2017, down from 61.9% compared to the previous year. Historically, the bank’s costs reached an all time high of 85.6% of income in 2003 and an all time low of 53.2% in 2010. When compared to total as...
Sberbank Croatia has been growing its revenues and asset by 3.95% and 2.07% a year on average in the last 10 years. Its loans and deposits have grown by 0.745% and 4.82% a year during that time and loans to deposits ratio reached 86.7% at the end of 2017. The company achieved an average return on equity of -2.41% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 60.1% in 2017, compared to 63.4% average in the last decade.
Equity represented 12.8% of total assets or 21.7% of loans at the end of 2017. Sberbank Croatia's non-performing loans were 17.9% of total loans while provisions covered some 78.1% of NPLs at the end of 2017.