Sberbank Croatia

Sberbank Croatia's npls (as % of loans) rose 11.7% to 17.9% in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's net profit fell 415% to HRK -136 mil in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's employees fell 0.187% to 535 in 2017

By Helgi Analytics - November 05, 2019

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
Fee Income (As % Of Revenues) % 14.4 14.9 15.0
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
Debt Securities HRK mil 688 645 425
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

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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 ...                   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    
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    

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Sberbank Croatia's total revenues rose 4.35% to HRK 381 mil in 2017

By Helgi Analytics - November 05, 2019

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. ...

Sberbank Croatia's customer deposits fell 4.55% to HRK 6,067 mil in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's retail deposits fell 1.64% to HRK 3,351 mil in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's corporate deposits fell 7.92% to HRK 2,716 mil in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's customer loans fell 13.6% to HRK 5,258 mil in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's net interest margin rose 9.16% to 3.14% in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's capital adequacy ratio fell 1.01% to 19.7% in 2017

By Helgi Analytics - November 05, 2019

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...

Sberbank Croatia's net interest income rose 4.33% to HRK 285 mil in 2017

By Helgi Analytics - November 05, 2019

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 ...

Sberbank Croatia's corporate loans fell 13.1% to HRK 2,776 mil in 2017

By Helgi Analytics - November 05, 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...

Sberbank Croatia's costs (as % of assets) rose 6.02% to 2.52% in 2017

By Helgi Analytics - November 05, 2019

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...

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Finance

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 nan% 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.