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Zagrebacka Banka

Banking > Croatia > Zagrebacka Banka
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Zagrebacka Banka

Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall, the Group has more than 2 million of retail clients. At the end of 2015,

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Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall, the Group has more than 2 million of retail clients. At the end of 2015, Zagrebacka banka operated a network of 204 branches; and over 900 ATMs and employed over 5,600 people within the Group. The Bank was founded in 1914 and is headquartered in Zagreb, Croatia. Since 2002, the Bank is a member of UniCredit Group with parent entity UniCredit Bank Austria AG.

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summary Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                      3,513 3,166 3,040 3,121 3,331    
                      5,255 5,082 4,947 5,116 5,060    
                      2,764 2,707 2,564 2,601 2,489    
                      1,416 1,153 692 1,051 -150    

balance sheet

                      11,844 9,841 10,632 10,970 10,984    
                      79,514 78,729 81,065 81,087 84,340    
                      7,745 10,709 12,062 12,810 12,700    
                      119,691 120,201 123,724 120,115 128,004    
                      17,468 18,103 18,179 18,845 17,036    
                      11,645 13,649 13,969 10,570 9,095    
                      86,885 86,112 88,678 75,972 86,544    
                      75.3 76.0 76.9 871 1,956    

ratios

                      8.46% 6.48% 3.81% 5.68% -0.836%    
                      1.22% 0.961% 0.567% 0.862% -0.121%    
                      2.15% 1.98% 1.95% 2.06% 2.07%    
                      47.4% 46.7% 48.2% 49.2% 50.8%    
... ... ... ... ... ... ... ... ...   ... 21.7% 23.6% 23.8% 25.6% 24.7%    
                      3.03% 2.64% 2.49% 2.56% 2.69%    
                      66.9% 62.3% 61.5% 61.0% 65.8%    
                      20.8% 21.4% 22.4% 22.9% 24.1%    
                      49.6% 46.8% 48.6% 48.0% 44.8%    
                      14.6% 15.1% 14.7% 15.7% 13.3%    
                      91.5% 91.4% 91.4% 107% 97.5%    
                      66.4% 65.5% 65.5% 67.5% 65.9%    
... ... ... ...               9.70% 13.4% 16.0% 17.2% 16.2%    
... ... ... ...               50.4% 54.3% 54.0% 57.4% 62.8%    

Download Data
income statement Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income HRK mil
Interest Cost HRK mil
Net Interest Income HRK mil
Net Fee Income HRK mil
Other Income HRK mil
Total Revenues HRK mil
Staff Cost HRK mil
Depreciation HRK mil
Other Cost HRK mil
Operating Cost HRK mil
Operating Profit HRK mil
Provisions HRK mil
Extra and Other Cost HRK mil
Pre-Tax Profit HRK mil
Tax HRK mil
Minorities HRK mil
Net Profit HRK mil
                      6,218 6,464 6,462 6,572 6,662    
                      2,706 3,298 3,422 3,451 3,331    
                      3,513 3,166 3,040 3,121 3,331    
                      1,096 1,088 1,110 1,173 1,219    
                      646 828 797 822 510    
                      5,255 5,082 4,947 5,116 5,060    
                      1,235 1,112 1,158 1,208 1,152    
                      301 291 280 238 284    
                      955 972 945 1,069 1,135    
                      2,490 2,375 2,383 2,515 2,571    
                      2,764 2,707 2,564 2,601 2,489    
                      917 1,183 1,643 1,110 2,722    
                      0.000 0.000 0.000 0.000 0.000    
                      1,847 1,524 921 1,491 -233    
                      355 264 150 351 -85.0    
                      76.1 107 79.2 89.0 2.00    
                      1,416 1,153 692 1,051 -150    

growth rates

...                     8.75% -9.87% -3.99% 2.67% 6.73%    
...                     -6.26% -0.711% 2.00% 5.72% 3.92%    
...                     3.89% -3.29% -2.66% 3.42% -1.09%    
...                     0.523% -4.63% 0.310% 5.56% 2.23%    
...                     7.12% -2.09% -5.27% 1.44% -4.31%    
...                     7.77% -17.5% -39.6% 61.9% -116%    
...                     2.58% -18.6% -40.0% 51.9% -114%    

market share

                      32.7% 34.2% 34.4% 35.3% 34.8%    
                      37.4% 42.3% 146% 76.2% ...    
... ... ... ... ... ... ... ... ... ...   24.2% 23.7% 22.1% 26.3% 27.0%    
... ... ...                 10.7% 10.5% 10.6% 17.3% 17.4%    

Download Data
balance sheet Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                      14,433 13,954 14,060 12,464 15,837    
                      11,844 9,841 10,632 10,970 10,984    
                      79,514 78,729 81,065 81,087 84,340    
                      31,244 30,944 30,080 34,650 34,575    
                      19,158 20,007 19,473 17,439 17,329    
                      12,086 10,937 10,607 17,211 17,246    
                      48,270 47,785 50,985 46,437 49,765    
                      7,745 10,709 12,062 12,810 12,700    
                      3,139 3,100 3,083 1,584 2,162    
                      119,691 120,201 123,724 120,115 128,004    
                      17,468 18,103 18,179 18,845 17,036    
                      808 915 838 864 23.0    
                      102,223 102,098 105,546 101,270 110,968    
                      11,645 13,649 13,969 10,570 9,095    
                      86,885 86,112 88,678 75,972 86,544    
                      47,403 50,058 52,339 54,308 56,928    
                      39,481 36,054 36,339 21,664 29,616    
                      75.3 76.0 76.9 871 1,956    
                      3,618 2,260 2,821 13,857 13,373    

asset quality

... ... ... ...               8,213 9,953 12,405 15,109 15,202    
                      84,666 74,279 77,533 87,756 93,893    
                      4,138 5,407 6,698 8,669 9,553    

growth rates

...                     5.39% -0.988% 2.97% 0.027% 4.01%    
...                     0.337% -0.960% -2.79% 15.2% -0.216%    
...                     3.04% 4.43% -2.67% -10.4% -0.631%    
...                     -3.67% -9.51% -3.02% 62.3% 0.203%    
...                     8.94% -1.01% 6.70% -8.92% 7.17%    
...                     6.76% 0.426% 2.93% -2.92% 6.57%    
...                     9.13% 3.64% 0.418% 3.67% -9.60%    
...                     4.91% -0.889% 2.98% -14.3% 13.9%    
...                     1.19% 5.60% 4.56% 3.76% 4.82%    
...                     9.75% -8.68% 0.791% -40.4% 36.7%    

market share

                      31.6% 33.3% 34.6% 35.3% 37.9%    
                      43.2% 49.5% 53.3% 50.5% 57.0%    
                      18.5% 17.1% 16.8% 27.2% 27.4%    
                      24.4% 24.5% 24.3% 28.3% 28.7%    
                      30.5% 32.1% 32.1% 29.6% 30.1%    
                      25.0% 25.4% 25.8% 24.4% 25.5%    
                      39.4% 37.9% 37.5% 31.1% 33.7%    
                      27.8% 28.1% 29.2% 29.7% 30.3%    
... ... ... ...               82.1% 80.1% 85.8% 49.5% 55.8%    

Download Data
ratios Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                      8.46% 6.48% 3.81% 5.68% -0.836%    
                      1.22% 0.961% 0.567% 0.862% -0.121%    
                      2.15% 1.98% 1.95% 2.06% 2.07%    
                      47.4% 46.7% 48.2% 49.2% 50.8%    
... ... ... ... ... ... ... ... ...   ... 21.7% 23.6% 23.8% 25.6% 24.7%    
                      3.03% 2.64% 2.49% 2.56% 2.69%    
...                     2.64% 2.16% 2.00% 2.05% 2.23%    
                      5.37% 5.39% 5.30% 5.39% 5.37%    
...                     2.73% 3.23% 3.30% 3.34% 3.14%    
                      66.9% 62.3% 61.5% 61.0% 65.8%    
                      20.8% 21.4% 22.4% 22.9% 24.1%    
                      12.3% 16.3% 16.1% 16.1% 10.1%    
... ... ...   ...   ...   ...     2,901 2,457 2,694 3,046 2,549    
... ... ...   ...   ...   ...     15,516 14,378 15,381 18,060 16,982    
                      49.6% 46.8% 48.6% 48.0% 44.8%    
                      14.6% 15.1% 14.7% 15.7% 13.3%    
                      91.5% 91.4% 91.4% 107% 97.5%    
                      66.4% 65.5% 65.5% 67.5% 65.9%    
... ... ... ...               9.70% 13.4% 16.0% 17.2% 16.2%    
... ... ... ...               50.4% 54.3% 54.0% 57.4% 62.8%    
                      5.20% 6.87% 8.26% 10.7% 11.3%    
                      1.18% 1.50% 2.06% 1.37% 3.29%    

Download Data
other data Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ...                 226 219 215 207 204    
... ... ...   ...   ...   ...     6,631 6,445 6,274 5,574 5,653    
... ... ... ... ... ... ... ... ... ... ... 2.20 ... ... ... ... ... ...

Download Data
Comparison of 11 Companies within CEE Savings Banks

This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to

Read more »

This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 11 Companies within UniCredit New Europe

This Annual Statistical Dossier offers a comparison of 11 banks from UniCredit New Europe from 1958 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related

Read more »

This Annual Statistical Dossier offers a comparison of 11 banks from UniCredit New Europe from 1958 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 27 Banks in Croatia

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Zagrebacka Banka in Numbers

September 30, 2018
Zagrebacka Banka in Numbers

This Annual statistical dossier offers a summary of Zagrebacka Banka's performance between 2000 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Zagrebacka Banka's performance between 2000 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Zagrebacka's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Zagrebacka Banka in Numbers

This Statistical Dossier offers a summary of Zagrebačka banka 's performance between 2000 and 2015 on an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and

Read more »

This Statistical Dossier offers a summary of Zagrebačka banka 's performance between 2000 and 2015 on an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the Bank's businesses such as its loan portfolio.

If you are only interested in specific areas of the Bank's business, you find and download them at the Bank's Corporate Profile.

If you want to see more reports about the Bank, please, go to the Bank's Reports Page.

Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall, the Group has more than 2 million of retail clients. At the end of 2015, Zagrebacka banka operated a network of 204 branches; and over 900 ATMs and employed over 5,600 people within the Group. The Bank was founded in 1914 and is headquartered in Zagreb, Croatia. Since 2002, the Bank is a member of UniCredit Group with parent entity UniCredit Bank Austria AG.

Zagrebacka banka at a Glance

Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall,

Read more »

Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall, the Group has more than 2 million of retail clients. Zagrebacka banka operates a network of 215 branches; and approximately 862 ATMs and employs over 6,200 eomplyees within the Group. The Bank was founded in 1914 and is headquartered in Zagreb, Croatia. Since 2002, the Bank is a member of UniCredit Group with parent entity UniCredit Bank Austria AG.

This report offers a summary of the bank's performance in 1999-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Croatia

Zagrebačka banka in Numbers

Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall,

Read more »

Zagrebačka banka is the largest bank in Croatia with roughly a 25% market share in total assets. The Bank is active in retail, corporate as well as private banking. The Bank operates a number of subsidiaries in Croatia and Bosnia and Herzegovina. In Croatia, the Bank operates with more than 60,000 corporate customers and over 1.1 million private customers. Overall, the Group has more than 2 million of retail clients. Zagrebacka banka operates a network of 215 branches; and approximately 862 ATMs and employs over 6,200 eomplyees within the Group. The Bank was founded in 1914 and is headquartered in Zagreb, Croatia. Since 2002, the Bank is a member of UniCredit Group with parent entity UniCredit Bank Austria AG.

This excel file offers a summary of the bank's performance in 1999-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank was the largest deposit taker, followed by UniCredit Czech Republic and Zagrebacka Banka.

Yapi Kredi Bank's customer deposits reached EUR 42,013 mil,

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Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank was the largest deposit taker, followed by UniCredit Czech Republic and Zagrebacka Banka.

Yapi Kredi Bank's customer deposits reached EUR 42,013 mil, down from EUR 45,613 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 45,613 mil in 2016 and an all time low of EUR 2,251 mil in 1992.

Comparing Yapi Kredi Bank with its closest peers, UniCredit Czech Republic's deposits amounted to EUR 13,696 mil at the end of 2017, Zagrebacka Banka operated with EUR 12,628 mil of customer deposits and UniCredit Bank Russia had clients' deposits of EUR 12,427 mil at the end of 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the UniCredit New Europe banks in the reports section.

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank was the largest deposit taker, followed by Erste Group Bank and PKO BP.

Sberbank's customer deposits reached EUR 297,711 mil, up from EUR 260,595 mil,

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Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank was the largest deposit taker, followed by Erste Group Bank and PKO BP.

Sberbank's customer deposits reached EUR 297,711 mil, up from EUR 260,595 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 297,711 mil in 2017 and an all time low of EUR 27,841 mil in 2001.

Comparing Sberbank with its closest peers, Erste Group Bank's deposits amounted to EUR 150,921 mil at the end of 2017, PKO BP operated with EUR 50,944 mil of customer deposits and Erste Savings Banks had clients' deposits of EUR 42,561 mil at the end of 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 9 banks among CEE Savings Banks in 2017, Sberbank was the largest mortgage lender, followed by PKO BP and Ceska Sporitelna.

Sberbank's mortgage loans reached HUF 15,007,970 mil, up from HUF 11,549,202

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Based on a comparison of 9 banks among CEE Savings Banks in 2017, Sberbank was the largest mortgage lender, followed by PKO BP and Ceska Sporitelna.

Sberbank's mortgage loans reached HUF 15,007,970 mil, up from HUF 11,549,202 mil compared to the previous year. Historically, the bank’s mortgage loans reached an all time high of HUF 15,007,970 mil in 2017 and an all time low of HUF 1,186,460 mil in 2006.

At the end of 2017, mortgage loans represented 17.3% of Sberbank's loan book.

Comparing Sberbank with its closest peers, PKO BP's mortgage loans amounted to HUF 7,370,343 mil at the end of 2017, Ceska Sporitelna operated with HUF 2,740,068 mil mortgage loans and OTP Group had a mortgage loan book of HUF 2,445,030 mil at the end of 2017.

You can see all the banks mortgage loans data on the Mortgage Loans indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 6 banks among UniCredit New Europe in 2017, UniCredit Czech Republic was the largest mortgage lender, followed by Yapi Kredi Bank and UniCredit Tiriac Bank.

UniCredit Czech Republic's mortgage loans reached HRK 27,034

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Based on a comparison of 6 banks among UniCredit New Europe in 2017, UniCredit Czech Republic was the largest mortgage lender, followed by Yapi Kredi Bank and UniCredit Tiriac Bank.

UniCredit Czech Republic's mortgage loans reached HRK 27,034 mil, up from HRK 25,516 mil compared to the previous year. Historically, the bank’s mortgage loans reached an all time high of HRK 27,034 mil in 2017 and an all time low of HRK 2,584 mil in 2006.

At the end of 2017, mortgage loans represented 24.7% of UniCredit Czech Republic's loan book.

Comparing UniCredit Czech Republic with its closest peers, Yapi Kredi Bank's mortgage loans amounted to HRK 25,262 mil at the end of 2017, UniCredit Tiriac Bank operated with HRK 18,394 mil mortgage loans and Zagrebacka Banka had a mortgage loan book of HRK 16,552 mil at the end of 2017.

You can see all the banks mortgage loans data on the Mortgage Loans indicator page or you can download a report on the UniCredit New Europe banks in the reports section.

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Zagrebacka's total revenues fell 2.45% to HRK 5,451 mil in 2017
Zagrebacka's employees fell 1.38% to 5,424 in 2017
Zagrebacka's customer deposits rose 3.28% to HRK 95,249 mil in 2017
Zagrebacka's retail deposits rose 1.43% to HRK 61,380 mil in 2017
Zagrebacka's mortgage loans rose 1.78% to HRK 16,552 mil in 2017
Zagrebacka's consumer loans fell 4.23% to HRK 18,894 mil in 2017
Zagrebacka's net profit fell 38.2% to HRK 1,042 mil in 2017
Zagrebacka's npls (as % of loans) fell 23.2% to 11.4% in 2017
Zagrebacka's net interest margin rose 3.09% to 2.80% in 2017
Zagrebacka's customer loans fell 4.37% to HRK 77,217 mil in 2017
Zagrebacka's net interest income rose 2.64% to HRK 3,571 mil in 2017
Zagrebacka's corporate deposits rose 6.79% to HRK 33,869 mil in 2017
Zagrebacka's costs (as % of assets) rose 3.13% to 2.04% in 2017
Zagrebacka's corporate loans fell 6.67% to HRK 41,771 mil in 2017
Zagrebacka's customer loan growth fell 2.56% to -4.37% in 2017
Zagrebacka's retail loan growth fell 137% to -1.52% in 2017