SKB Banka

SKB Banka's mortgage loans rose 11.6% to EUR 787 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's mortgage loans reached EUR 787 mil in 2017, up 11.6% compared to the previous year. Slovenian banking sector provid...

SKB Banka's corporate deposits rose 8.51% to EUR 1,669 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's corporate deposits reached EUR 1,669 mil in 2017, up 8.51% compared to the previous year. Slovenian banking sector ...

SKB Banka's customer deposits rose 9.03% to EUR 2,341 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's customer deposits reached EUR 2,341 mil in 2017, up 9.03% compared to the previous year. Slovenian banking sector a...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 68.3 73.1 78.0
Fee Income (As % Of Revenues) % 28.6 21.9 20.8
Other Income EUR mil 6.67 18.7 9.63
Total Revenues EUR mil 105 118 111
Staff Cost EUR mil 31.9 32.7 34.0
Operating Profit EUR mil 49.4 61.3 52.5
Provisions EUR mil 188 -15.5 -0.485
Net Profit EUR mil 34.3 63.7 43.4
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 41.6 48.2 44.3
Customer Loans EUR mil 1,844 2,178 2,282
Debt Securities EUR mil 457 455 448
Total Assets EUR mil 2,656 2,955 3,174
Shareholders' Equity EUR mil 363 392 368
Interbank Borrowing EUR mil 191 321 377
Customer Deposits EUR mil 2,035 2,147 2,341
Issued Debt Securities EUR mil 12.0 13.9 11.8
Ratios 2015 2016 2017
ROE % 9.76 16.9 11.4
ROA % 1.30 2.27 1.42
Costs (As % Of Assets) % 2.10 2.00 1.90
Costs (As % Of Income) % 53.0 47.8 52.6
Capital Adequacy Ratio % 16.2 14.3 13.3
Net Interest Margin % 2.58 2.61 2.55
Loans (As % Of Deposits) % 90.6 101 97.5
NPLs (As % Of Loans) % 11.3 7.57 6.44
Provisions (As % Of NPLs) % 81.9 85.2 82.9
Growth Rates 2015 2016 2017
Total Revenue Growth % 0.842 11.9 -5.76
Operating Cost Growth % 3.44 0.992 3.64
Operating Profit Growth % -1.93 24.2 -14.4
Net Profit Growth % -2.79 85.5 -31.9
Customer Loan Growth % -0.143 18.1 4.78
Total Asset Growth % 0.566 11.3 7.41
Customer Deposit Growth % 13.6 5.51 9.03
Shareholders' Equity Growth % 6.35 8.03 -6.03
Employees 879 892 912

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summary Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                          
Net Interest Income EUR mil ...                           77.9 60.7 64.5 68.4 68.3    
Total Revenues EUR mil ...                           114 95.8 98.8 104 105    
Operating Profit EUR mil ...                           50.9 40.2 41.9 50.3 49.4    
Net Profit EUR mil ...                           24.4 3.67 -30.8 35.3 34.3    
balance sheet                                          
Interbank Loans EUR mil ...                           38.5 40.0 33.2 31.8 41.6    
Customer Loans EUR mil ...                           2,392 2,268 2,050 1,846 1,844    
Debt Securities EUR mil ...                           235 155 259 388 457    
Total Assets EUR mil ...                           2,792 2,594 2,538 2,641 2,656    
Shareholders' Equity EUR mil ...                           281 291 271 341 363    
Interbank Borrowing EUR mil ...                           908 712 503 441 191    
Customer Deposits EUR mil ...                           1,532 1,544 1,712 1,792 2,035    
Issued Debt Securities EUR mil ...                           0 19.8 13.1 15.3 12.0    
ratios                                          
ROE % ...                           8.72 1.28 -10.9 11.5 9.76    
ROA % ...                           0.866 0.136 -1.20 1.36 1.30    
Costs (As % Of Assets) % ...                           2.22 2.06 2.22 2.08 2.10    
Costs (As % Of Income) % ...                           55.2 58.0 57.6 51.6 53.0    
Capital Adequacy Ratio %                             13.2 13.4 13.6 16.4 16.2    
Net Interest Margin % ...                           2.76 2.26 2.51 2.64 2.58    
Interest Income (As % Of Revenues) % ...                           68.6 63.4 65.3 65.7 65.0    
Fee Income (As % Of Revenues) % ...                           27.1 31.7 29.4 29.9 28.6    
Staff Cost (As % Of Total Cost) % ...                           52.4 56.9 56.4 57.4 57.3    
Equity (As % Of Assets) % ...                           10.0 11.2 10.7 12.9 13.7    
Loans (As % Of Deposits) % ...                           156 147 120 103 90.6    
Loans (As % Assets) % ...                           85.7 87.4 80.8 69.9 69.4    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ...           12.5 7.84 7.46 6.67 11.3    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...           40.3 88.3 136 168 81.9    
income statement Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                          
Interest Income EUR mil ...                           121 98.6 93.2 87.2 78.7    
Interest Cost EUR mil ...                           42.9 37.9 28.7 18.8 10.5    
Net Interest Income EUR mil ...                           77.9 60.7 64.5 68.4 68.3    
Net Fee Income EUR mil ...                           30.8 30.4 29.1 31.1 30.1    
Other Income EUR mil ...                           4.91 4.63 5.20 4.55 6.67    
Total Revenues EUR mil ...                           114 95.8 98.8 104 105    
Staff Cost EUR mil ...                           32.8 31.6 32.1 30.9 31.9    
Depreciation EUR mil ...                           7.21 5.56 6.63 6.20 6.01    
Other Cost EUR mil ...                           22.6 18.4 18.2 16.7 17.7    
Operating Cost EUR mil ...                           62.7 55.6 56.9 53.8 55.6    
Operating Profit EUR mil ...                           50.9 40.2 41.9 50.3 49.4    
Provisions EUR mil ...                           21.3 41.4 78.6 7.36 188    
Extra and Other Cost EUR mil ...                           -0.769 -5.35 0.098 0.586 0.351    
Pre-Tax Profit EUR mil ...                           30.4 4.17 -36.9 42.4 41.3    
Tax EUR mil ...                           5.97 0.499 -6.13 7.09 6.97    
Minorities EUR mil ...                           0 0 0 0 0    
Net Profit EUR mil ...                           24.4 3.67 -30.8 35.3 34.3    
growth rates                                          
Net Interest Income Growth % ... ...                         1.18 -22.0 6.18 6.13 -0.275    
Net Fee Income Growth % ... ...                         3.16 -1.16 -4.42 7.12 -3.39    
Total Revenue Growth % ... ...                         1.26 -15.7 3.12 5.44 0.842    
Operating Cost Growth % ... ...                         1.29 -11.3 2.40 -5.46 3.44    
Operating Profit Growth % ... ...                         1.23 -21.0 4.11 20.3 -1.93    
Pre-Tax Profit Growth % ... ...                         -13.4 -86.3 -985 -215 -2.61    
Net Profit Growth % ... ...                         -13.6 -85.0 -938 -215 -2.79    
market share                                          
Market Share in Revenues % ...                           7.86 6.12 9.05 8.46 9.07    
Market Share in Net Profit % ... ... ... ... ...   ...             ... ... ... ... ... 29.9    
Market Share in Employees % ... ... ... ...                     8.07 8.04 7.99 8.22 8.42    
Market Share in Bank Cards % ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... 6.85 6.43    
Market Share in Branches % ... ... ... ...                     8.73 8.78 9.37 9.46 9.51    
balance sheet Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                          
Cash EUR mil ...                           46.3 74.3 118 303 246    
Interbank Loans EUR mil ...                           38.5 40.0 33.2 31.8 41.6    
Customer Loans EUR mil ...                           2,392 2,268 2,050 1,846 1,844    
Retail Loans EUR mil ... ... ... ... ... ... ... ... ...           940 919 919 915 887    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 587 596 606 641    
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 333 323 309 246    
Corporate Loans EUR mil ... ... ... ... ... ... ... ... ...           1,116 1,056 955 720 665    
Debt Securities EUR mil ...                           235 155 259 388 457    
Fixed Assets EUR mil ...                           60.2 48.2 52.3 50.4 49.0    
Total Assets EUR mil ...                           2,792 2,594 2,538 2,641 2,656    
Shareholders' Equity EUR mil ...                           281 291 271 341 363    
Of Which Minority Interest EUR mil ...                           0 0 0 0 0    
Liabilities EUR mil ...                           2,511 2,303 2,267 2,300 2,293    
Interbank Borrowing EUR mil ...                           908 712 503 441 191    
Customer Deposits EUR mil ...                           1,532 1,544 1,712 1,792 2,035    
Retail Deposits EUR mil ...             ... ...           1,032 1,188 1,214 1,229 1,299    
Corporate Deposits EUR mil ...             ... ...           500 356 498 563 736    
Issued Debt Securities EUR mil ...                           0 19.8 13.1 15.3 12.0    
Other Liabilities EUR mil ...                           71.3 27.5 38.6 51.3 55.0    
asset quality                                          
Non-Performing Loans EUR mil ... ... ... ... ... ... ... ... ...           316 191 170 139 230    
Gross Loans EUR mil ...                           2,519 2,437 2,282 2,080 2,032    
Total Provisions EUR mil ...                           127 169 232 233 188    
growth rates                                          
Customer Loan Growth % ... ...                         -0.134 -5.18 -9.63 -9.93 -0.143    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ...         6.45 -2.17 -0.029 -0.396 -3.10    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.59 1.71 5.79    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -2.88 -4.28 -20.5    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ...         -4.24 -5.37 -9.52 -24.6 -7.71    
Total Asset Growth % ... ...                         -2.08 -7.07 -2.16 4.03 0.566    
Shareholders' Equity Growth % ... ...                         0.456 3.88 -6.86 25.7 6.35    
Customer Deposit Growth % ... ...                         6.04 0.773 10.9 4.69 13.6    
Retail Deposit Growth % ... ...           ... ... ...         6.99 15.1 2.19 1.30 5.65    
Corporate Deposit Growth % ... ...           ... ... ...         4.13 -28.8 39.9 12.9 30.9    
market share                                          
Market Share in Customer Loans % ...                           7.22 7.33 8.42 8.57 9.09    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ...           6.09 6.42 8.30 7.84 8.11    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 9.27 10.2 10.4 8.46    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ...           10.4 10.4 10.9 11.0 10.5    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 11.2 11.2 11.3 11.6    
Market Share in Total Assets % ... ... ... ... ...                   5.67 5.63 6.29 6.82 7.10    
Market Share in Customer Deposits % ...                           6.23 6.47 7.59 7.34 8.10    
Market Share in Retail Deposits % ...             ... ...           6.94 8.01 8.45 8.15 8.35    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ...       12.4 9.69 11.9 12.0 15.8    
ratios Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                          
ROE % ...                           8.72 1.28 -10.9 11.5 9.76    
ROA % ...                           0.866 0.136 -1.20 1.36 1.30    
Costs (As % Of Assets) % ...                           2.22 2.06 2.22 2.08 2.10    
Costs (As % Of Income) % ...                           55.2 58.0 57.6 51.6 53.0    
Capital Adequacy Ratio %                             13.2 13.4 13.6 16.4 16.2    
Tier 1 Ratio %                             13.2 13.4 13.6 16.4 16.2    
Net Interest Margin % ...                           2.76 2.26 2.51 2.64 2.58    
Interest Spread % ... ...                         2.59 2.09 2.38 2.55 2.52    
Asset Yield % ...                           4.28 3.66 3.63 3.37 2.97    
Cost Of Liabilities % ... ...                         1.69 1.57 1.26 0.822 0.455    
Interest Income (As % Of Revenues) % ...                           68.6 63.4 65.3 65.7 65.0    
Fee Income (As % Of Revenues) % ...                           27.1 31.7 29.4 29.9 28.6    
Other Income (As % Of Revenues) % ...                           4.33 4.83 5.27 4.37 6.35    
Cost Per Employee USD per month ... ... ... ...                     3,993 3,662 3,964 3,775 3,466    
Cost Per Employee (Local Currency) EUR per month ... ... ... ...                     2,872 2,852 2,986 2,929 3,024    
Staff Cost (As % Of Total Cost) % ...                           52.4 56.9 56.4 57.4 57.3    
Equity (As % Of Assets) % ...                           10.0 11.2 10.7 12.9 13.7    
Loans (As % Of Deposits) % ...                           156 147 120 103 90.6    
Loans (As % Assets) % ...                           85.7 87.4 80.8 69.9 69.4    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ...           12.5 7.84 7.46 6.67 11.3    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...           40.3 88.3 136 168 81.9    
Provisions (As % Of Loans) % ...                           5.32 7.44 11.3 12.6 10.2    
Cost of Provisions (As % Of Loans) % ...                           0.890 1.78 3.64 0.378 10.2    
other data Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                          
Branches ... ... ... ...                     60.0 61.0 59.0 56.0 56.0    
Employees ... ... ... ...                     953 924 896 878 879    
ATMs ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 109 ... ... ... ...
Clients mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.228 0.224    
Payment Cards '000 ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... ... 216 216    

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SKB Banka's net profit fell 31.9% to EUR 43.4 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka made a net profit of EUR 43.4 mil in 2017, down 31.9% compared to the previous year. This implies a return on equity of 11.4%. Historically, the bank’s net profit reached an all time high of EUR 63.7 mil in 2016 and an all time low of EUR -63.6 mi...

SKB Banka's customer loans rose 4.78% to EUR 2,282 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's customer loans reached EUR 2,282 mil in 2017, up 4.78% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. SKB Banka accounted for 10.6% of all custo...

SKB Banka's npls (as % of loans) fell 15.0% to 6.44% in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's non-performing loans reached 6.44% of total loans at the end of 2017, down from 7.57% compared to the previous year. Historically, the NPL ratio hit an all time high of 14.3% in 2009 and an all time low of 3.40% in 2008. Provision coverage amoun...

SKB Banka's net interest margin fell 2.28% to 2.55% in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's net interest margin amounted to 2.55% in 2017, down from 2.61% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.36% in 1999 and an all time low of 2.26% in 2012. The average margin in ...

SKB Banka's employees rose 2.24% to 912 in 2017

By Helgi Analytics - November 05, 2019

SKB Banka employed 912 persons in 2017, up 2.24% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,159 persons in 2001 and an all time low of 878 in 2014. Average cost reached USD 3,484 per month per employee, 6....

SKB Banka's total revenues fell 5.76% to EUR 111 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka generated total banking revenues of EUR 111 mil in 2017, down 5.76% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year. As...

SKB Banka's capital adequacy ratio fell 7.02% to 13.3% in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's capital adequacy ratio reached 13.3% at the end of 2017, down from 14.3% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.4% in 2014 and an all time low of 9.32% in 2007. The Tier 1 ratio amounted to...

SKB Banka's net interest income rose 6.75% to EUR 78.0 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka generated total banking revenues of EUR 111 mil in 2017, down 5.76% 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 EUR 168 mil in 2003 and an all t...

SKB Banka's payment cards fell 0.052% to 216 '000 in 2017

By Helgi Analytics - November 05, 2019

SKB Banka has issued total of 216 '000 payment cards at the end of 2017, down 0.052% compared to the previous year. Slovenian banking sector banking sector issued total of 3,385 thous. of bank cards in 2017, up 1.35% when compared to the last year...

SKB Banka's retail deposits rose 10.3% to EUR 672 mil in 2017

By Helgi Analytics - November 05, 2019

SKB Banka's retail deposits reached EUR 672 mil in 2017, up 10.3% compared to the previous year. Slovenian banking sector accepted retail deposits of EUR 17.5 bil in 2017, up 5.65% when compared to the last year. SKB Banka accounted for 3.83% of all retai...

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SKB Bank is a Slovenia-based universal bank. The Bank with its subsidiaries is the sixth largest Slovenian banking and financial groups holding nearly 6% of the market. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 59 branch offices and 109 ATMs in Slovenia and employed nearly 900 persons. The Bank was founded in 1965 and is headquartered in Ljubljana, Slovenia. It is a subsidiary of The Société Générale Group

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Finance

SKB Banka has been growing its revenues and asset by 2.50% and 2.46% a year on average in the last 10 years. Its loans and deposits have grown by 1.25% and 7.63% a year during that time and loans to deposits ratio reached 97.5% at the end of 2017. The company achieved an average return on equity of 7.84% in the last decade with net profit growing 6.92% a year on average. In terms of operating efficiency, its cost to income ratio reached 52.6% in 2017, compared to 55.4% average in the last decade.

Equity represented 11.6% of total assets or 16.1% of loans at the end of 2017. SKB Banka's non-performing loans were 6.44% of total loans while provisions covered some 82.9% of NPLs at the end of 2017.