Slatinska Banka

Slatinska Banka's total revenues rose 36.9% to HRK 64.7 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka generated total banking revenues of HRK 64.7 mil in 2017, up 36.9% compared to the previous year. Croatian...

Slatinska Banka's customer loans rose 23.0% to HRK 778 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's customer loans reached HRK 778 mil in 2017, up 23.0% compared to the previous year. Croatian banking sector p...

Slatinska Banka's customer deposits fell 1.82% to HRK 1,267 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's customer deposits reached HRK 1,267 mil in 2017, down 1.82% compared to the previous year. Croatian banking s...

Profit Statement 2015 2016 2017
Net Interest Income HRK mil 31.6 31.1 40.9
Fee Income (As % Of Revenues) % 19.7 20.5 14.2
Other Income HRK mil 4.65 6.48 14.6
Total Revenues HRK mil 45.2 47.3 64.7
Staff Cost HRK mil 19.5 19.9 21.4
Operating Profit HRK mil 8.98 11.0 24.2
Provisions HRK mil 19.6 12.2 22.9
Net Profit HRK mil -8.63 -1.51 0.649
Balance Sheet 2015 2016 2017
Interbank Loans HRK mil 1.43 6.45 10.2
Customer Loans HRK mil 654 632 778
Debt Securities HRK mil 419 540 308
Total Assets HRK mil 1,526 1,603 1,590
Shareholders' Equity HRK mil 166 168 165
Interbank Borrowing HRK mil 0 0 0
Customer Deposits HRK mil 1,202 1,290 1,267
Issued Debt Securities HRK mil 141 121 136
Ratios 2015 2016 2017
ROE % -5.07 -0.901 0.390
ROA % -0.580 -0.096 0.041
Costs (As % Of Assets) % 2.44 2.32 2.54
Costs (As % Of Income) % 80.1 76.8 62.6
Capital Adequacy Ratio % 17.5 18.4 18.2
Net Interest Margin % 2.13 1.99 2.56
Loans (As % Of Deposits) % 54.4 49.0 61.4
NPLs (As % Of Loans) % 22.4 20.9 18.3
Provisions (As % Of NPLs) % 55.5 66.9 72.7
Growth Rates 2015 2016 2017
Total Revenue Growth % -16.9 4.56 36.9
Operating Cost Growth % -11.9 0.141 11.7
Operating Profit Growth % -32.3 22.4 120
Net Profit Growth % -2,317 -82.5 -143
Customer Loan Growth % -11.3 -3.32 23.0
Total Asset Growth % 5.52 5.05 -0.855
Customer Deposit Growth % 7.69 7.34 -1.82
Shareholders' Equity Growth % -4.73 1.38 -2.07
Employees 174 177 180

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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 ... ... ... ... ...           37.4 36.6 38.7 39.0 31.6    
Total Revenues HRK mil ... ... ... ... ...           52.2 55.6 57.0 54.4 45.2    
Operating Profit HRK mil ... ... ... ... ... ... ...       11.0 11.9 14.1 13.3 8.98    
Net Profit HRK mil ... ... ... ... ...           3.33 5.00 0.398 0.389 -8.63    
balance sheet                                  
Interbank Loans HRK mil ... ... ... ... ...           129 42.1 42.6 1.38 1.43    
Customer Loans HRK mil ... ... ... ... ...           662 772 798 737 654    
Debt Securities HRK mil ... ... ... ... ...           231 257 302 319 419    
Total Assets HRK mil                     1,331 1,432 1,515 1,446 1,526    
Shareholders' Equity HRK mil                     173 175 174 174 166    
Interbank Borrowing HRK mil ... ... ... ... ...           2.60 2.62 0 0 0    
Customer Deposits HRK mil ... ... ... ... ...           1,051 1,079 1,157 1,116 1,202    
Issued Debt Securities HRK mil ... ... ... ... ...           56.2 159 167 141 141    
ratios                                  
ROE % ... ... ... ... ...           1.94 2.87 0.228 0.223 -5.07    
ROA % ... ... ... ... ...           0.260 0.362 0.027 0.026 -0.580    
Costs (As % Of Assets) % ... ... ... ... ... ... ...       3.22 3.16 2.91 2.78 2.44    
Costs (As % Of Income) % ... ... ... ... ... ... ...       78.9 78.5 75.3 75.6 80.1    
Capital Adequacy Ratio %                     18.9 16.8 17.0 16.9 17.5    
Net Interest Margin % ... ... ... ... ...           2.92 2.65 2.63 2.64 2.13    
Interest Income (As % Of Revenues) % ... ... ... ... ...           71.6 66.0 68.0 71.8 70.0    
Fee Income (As % Of Revenues) % ... ... ... ... ...           19.3 18.1 15.8 16.8 19.7    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...       50.5 49.5 51.5 50.4 53.8    
Equity (As % Of Assets) %                     13.0 12.2 11.5 12.0 10.9    
Loans (As % Of Deposits) % ... ... ... ... ...           63.0 71.5 68.9 66.1 54.4    
Loans (As % Assets) % ... ... ... ... ...           49.8 53.9 52.7 51.0 42.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... 16.6 20.4 22.4    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... 43.8 44.5 55.5    
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 ... ... ... ... ...           83.9 84.5 88.3 79.7 68.9    
Interest Cost HRK mil ... ... ... ... ...           46.6 47.8 49.6 40.6 37.2    
Net Interest Income HRK mil ... ... ... ... ...           37.4 36.6 38.7 39.0 31.6    
Net Fee Income HRK mil ... ... ... ... ...           10.1 10.1 9.00 9.14 8.91    
Other Income HRK mil ... ... ... ... ...           4.75 8.84 9.25 6.22 4.65    
Total Revenues HRK mil ... ... ... ... ...           52.2 55.6 57.0 54.4 45.2    
Staff Cost HRK mil ... ... ... ... ... ... ...       20.8 21.6 22.1 20.7 19.5    
Depreciation HRK mil ... ... ... ... ... ... ...       3.78 3.94 4.18 4.23 2.61    
Other Cost HRK mil ... ... ... ... ... ... ...       16.6 18.1 16.6 16.2 14.1    
Operating Cost HRK mil ... ... ... ... ... ... ...       41.2 43.6 42.9 41.1 36.2    
Operating Profit HRK mil ... ... ... ... ... ... ...       11.0 11.9 14.1 13.3 8.98    
Provisions HRK mil ... ... ... ... ...           6.45 5.52 13.3 12.3 19.6    
Extra and Other Cost HRK mil ... ... ... ... ... ... ...       < -0.001 < -0.001 < 0.001 < -0.001 0    
Pre-Tax Profit HRK mil                     4.58 6.40 0.738 0.944 -10.6    
Tax HRK mil ... ... ... ... ...           1.25 1.41 0.340 0.555 -1.97    
Minorities HRK mil ... ... ... ... ...           0 0 0 0 0    
Net Profit HRK mil ... ... ... ... ...           3.33 5.00 0.398 0.389 -8.63    
growth rates                                  
Net Interest Income Growth % ... ... ... ... ... ...         6.67 -1.94 5.71 0.756 -18.9    
Net Fee Income Growth % ... ... ... ... ... ...         5.18 -0.267 -10.7 1.58 -2.51    
Total Revenue Growth % ... ... ... ... ... ...         5.73 6.40 2.55 -4.55 -16.9    
Operating Cost Growth % ... ... ... ... ... ... ... ...     7.40 5.94 -1.69 -4.14 -11.9    
Operating Profit Growth % ... ... ... ... ... ... ... ...     -0.082 8.12 18.1 -5.80 -32.3    
Pre-Tax Profit Growth % ...                   -9.69 39.9 -88.5 28.0 -1,222    
Net Profit Growth % ... ... ... ... ... ...         -7.94 50.2 -92.0 -2.26 -2,317    
market share                                  
Market Share in Revenues % ... ... ... ... ...           0.325 0.374 0.396 0.376 0.311    
Market Share in Net Profit % ... ... ... ... ...           0.088 0.183 0.084 0.028 ... ...  
Market Share in Employees % ... ... ... ... ...           0.800 0.832 0.806 0.826 0.832    
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 ... ... ... ... ...           244 293 312 325 383    
Interbank Loans HRK mil ... ... ... ... ...           129 42.1 42.6 1.38 1.43    
Customer Loans HRK mil ... ... ... ... ...           662 772 798 737 654    
Retail Loans HRK mil ... ... ... ... ...           407 402 435 433 377    
Corporate Loans HRK mil ... ... ... ... ...           255 370 363 304 277    
Debt Securities HRK mil ... ... ... ... ...           231 257 302 319 419    
Fixed Assets HRK mil ... ... ... ... ...           31.8 33.6 33.4 32.5 33.4    
Total Assets HRK mil                     1,331 1,432 1,515 1,446 1,526    
Shareholders' Equity HRK mil                     173 175 174 174 166    
Of Which Minority Interest HRK mil ... ... ... ... ...           0 0 0 0 0    
Liabilities HRK mil                     1,158 1,257 1,340 1,272 1,360    
Interbank Borrowing HRK mil ... ... ... ... ...           2.60 2.62 0 0 0    
Customer Deposits HRK mil ... ... ... ... ...           1,051 1,079 1,157 1,116 1,202    
Retail Deposits HRK mil ... ... ... ... ...           849 909 978 980 1,048    
Corporate Deposits HRK mil ... ... ... ... ...           203 169 179 136 154    
Sight Deposits HRK mil ... ... ... ... ...           203 196 202 192 223    
Term Deposits HRK mil ... ... ... ... ...           849 882 955 924 979    
Issued Debt Securities HRK mil ... ... ... ... ...           56.2 159 167 141 141    
Other Liabilities HRK mil ... ... ... ... ...           47.7 16.6 16.9 15.3 17.3    
asset quality                                  
Non-Performing Loans HRK mil ... ... ... ... ... ... ... ... ... ... ... ... 142 165 167    
Gross Loans HRK mil ... ... ... ... ... ... ...       703 820 860 811 747    
Total Provisions HRK mil ... ... ... ... ... ... ...       40.9 48.1 62.4 73.6 92.6    
growth rates                                  
Customer Loan Growth % ... ... ... ... ... ...         4.08 16.5 3.38 -7.57 -11.3    
Retail Loan Growth % ... ... ... ... ... ...         -12.0 -1.35 8.22 -0.462 -12.9    
Corporate Loan Growth % ... ... ... ... ... ...         47.0 44.9 -1.88 -16.1 -9.12    
Total Asset Growth % ...                   8.54 7.59 5.77 -4.53 5.52    
Shareholders' Equity Growth % ...                   2.56 1.05 -0.472 -0.116 -4.73    
Customer Deposit Growth % ... ... ... ... ... ...         9.48 2.60 7.27 -3.53 7.69    
Retail Deposit Growth % ... ... ... ... ... ...         8.90 7.13 7.56 0.201 6.95    
Corporate Deposit Growth % ... ... ... ... ... ...         12.0 -16.4 5.72 -23.9 13.0    
market share                                  
Market Share in Customer Loans % ... ... ... ... ...           0.263 0.326 0.341 0.321 0.294    
Market Share in Corporate Loans % ... ... ... ... ...           0.229 0.383 0.380 0.331 0.317    
Market Share in Consumer Loans % ... ... ... ... ...           0.318 0.318 0.352 0.354 0.313    
Market Share in Total Assets %                     0.319 0.349 0.365 0.345 0.367    
Market Share in Customer Deposits % ... ... ... ... ...           0.477 0.475 0.489 0.457 0.468    
Market Share in Retail Deposits % ... ... ... ... ...           0.498 0.511 0.545 0.535 0.558    
Market Share in Corporate Deposits % ... ... ... ... ...           0.421 0.376 0.423 0.311 0.290    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                  
ROE % ... ... ... ... ...           1.94 2.87 0.228 0.223 -5.07    
ROA % ... ... ... ... ...           0.260 0.362 0.027 0.026 -0.580    
Costs (As % Of Assets) % ... ... ... ... ... ... ...       3.22 3.16 2.91 2.78 2.44    
Costs (As % Of Income) % ... ... ... ... ... ... ...       78.9 78.5 75.3 75.6 80.1    
Capital Adequacy Ratio %                     18.9 16.8 17.0 16.9 17.5    
Net Interest Margin % ... ... ... ... ...           2.92 2.65 2.63 2.64 2.13    
Interest Spread % ... ... ... ... ...           2.36 2.15 2.18 2.27 1.81    
Asset Yield % ... ... ... ... ...           6.56 6.11 5.99 5.38 4.63    
Cost Of Liabilities % ... ... ... ... ...           4.20 3.96 3.82 3.11 2.83    
Interest Income (As % Of Revenues) % ... ... ... ... ...           71.6 66.0 68.0 71.8 70.0    
Fee Income (As % Of Revenues) % ... ... ... ... ...           19.3 18.1 15.8 16.8 19.7    
Other Income (As % Of Revenues) % ... ... ... ... ...           9.09 15.9 16.2 11.4 10.3    
Cost Per Employee USD per month ... ... ... ... ... ... ...       1,850 1,709 1,845 1,664 1,400    
Cost Per Employee (Local Currency) HRK per month ... ... ... ... ... ... ...       9,897 9,997 10,530 9,868 9,329    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...       50.5 49.5 51.5 50.4 53.8    
Equity (As % Of Assets) %                     13.0 12.2 11.5 12.0 10.9    
Loans (As % Of Deposits) % ... ... ... ... ...           63.0 71.5 68.9 66.1 54.4    
Loans (As % Assets) % ... ... ... ... ...           49.8 53.9 52.7 51.0 42.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... 16.6 20.4 22.4    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... 43.8 44.5 55.5    
Provisions (As % Of Loans) % ... ... ... ... ... ... ...       6.17 6.24 7.82 9.98 14.2    
Cost of Provisions (As % Of Loans) % ... ... ... ... ...           0.993 0.770 1.70 1.61 2.81    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                  
Employees ... ... ... ... ...           175 180 175 175 174    
Sight (As % Of Customer Deposits) % ... ... ... ... ...           19.3 18.2 17.5 17.2 18.6    

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Slatinska Banka's retail deposits fell 2.04% to HRK 1,082 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's retail deposits reached HRK 1,082 mil in 2017, down 2.04% 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. Slatinska Banka accounted for 0.5...

Slatinska Banka's npls (as % of loans) fell 12.6% to 18.3% in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's non-performing loans reached 18.3% of total loans at the end of 2017, down from 20.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 22.4% in 2015 and an all time low of 16.6% in 2013. Provision coverage...

Slatinska Banka's net profit rose 143% to HRK 0.649 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka made a net profit of HRK 0.649 mil under revenues of HRK 64.7 mil in 2017, up 143% and 36.9% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 9.84 mil in 2007 and an all time low of HRK -8...

Slatinska Banka's net interest margin rose 28.8% to 2.56% in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's net interest margin amounted to 2.56% in 2017, up from 1.99% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.79% in 2008 and an all time low of 1.99% in 2016. The average margin...

Slatinska Banka's net interest income rose 31.4% to HRK 40.9 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka generated total banking revenues of HRK 64.7 mil in 2017, up 36.9% 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 64.7 mil in 2017 and an...

Slatinska Banka's corporate loans rose 31.1% to HRK 296 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's corporate loans reached HRK 296 mil in 2017, up 31.1% 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. Slatinska Banka accounted for 0.362% ...

Slatinska Banka's customer loan growth rose 794% to 23.0% in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's customer loan growth reached 23.0% in 2017, up from -3.32% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 23.0% in 2017 and an all time low of -11.3% in 2015. In the last decade, the aver...

Slatinska Banka's corporate deposits fell 0.482% to HRK 185 mil in 2017

By Helgi Analytics - November 05, 2019

Slatinska Banka's corporate deposits reached HRK 185 mil in 2017, down 0.482% 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. Slatinska Banka accounted fo...

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Finance

Slatinska Banka has been growing its revenues and asset by 5.97% and 3.20% a year on average in the last 3 years. Its loans and deposits have grown by 1.80% and 4.31% a year during that time and loans to deposits ratio reached 61.4% at the end of 2017. The company achieved an average return on equity of -1.86% in the last three years with net profit growing 18.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 62.6% in 2017, compared to 73.2% average in the last three years.

Equity represented 10.4% of total assets or 21.2% of loans at the end of 2017. Slatinska Banka's non-performing loans were 18.3% of total loans while provisions covered some 72.7% of NPLs at the end of 2017.