By Helgi Library - August 5, 2018
Podravska Banka's non-performing loans reached 23.5% of total loans at the end of 2017, up from 17.9% compared to the previous ye...
By Helgi Library - August 5, 2018
Podravska Banka's net interest margin amounted to 2.27% in 2017, down from 3.01% compared to the previous year. Historical...
By Helgi Library - May 25, 2025
Podravska Banka's customer deposits reached HRK 2,417 mil in 2017, up 1.81% compared to the previous year. Croatian banking sec...
| Profit Statement | 2022 | 2023 | 2024 | |
| Net Interest Income | HRK mil | 97.1 | 160 | 169 |
| Net Fee Income | HRK mil | 31.1 | 32.3 | 35.0 |
| Other Income | HRK mil | 26.2 | -3.73 | 4.86 |
| Total Revenues | HRK mil | 154 | 189 | 209 |
| Staff Cost | HRK mil | 48.6 | 55.6 | 60.8 |
| Operating Profit | HRK mil | 56.6 | 82.6 | 101 |
| Provisions | HRK mil | 40.0 | 48.7 | 32.2 |
| Net Profit | HRK mil | 11.9 | 30.6 | 56.3 |
| Balance Sheet | 2022 | 2023 | 2024 | |
| Interbank Loans | HRK mil | ... | 117 | 162 |
| Customer Loans | HRK mil | 2,343 | 2,389 | 2,383 |
| Investments | HRK mil | 842 | 1,061 | 1,058 |
| Total Assets | HRK mil | 4,576 | 5,130 | 5,448 |
| Shareholders' Equity | HRK mil | 426 | 543 | 582 |
| Interbank Borrowing | HRK mil | ... | 33.2 | 70.7 |
| Customer Deposits | HRK mil | 3,918 | 3,952 | 4,228 |
| Issued Debt Securities | HRK mil | 123 | 123 | 123 |
| Ratios | 2022 | 2023 | 2024 | |
| ROE | % | 2.59 | 6.31 | 10.0 |
| ROA | % | 0.272 | 0.630 | 1.06 |
| Costs (As % Of Assets) | % | 2.23 | 2.18 | 2.06 |
| Costs (As % Of Income) | % | 63.4 | 56.2 | 52.0 |
| Capital Adequacy Ratio | % | ... | ... | 20.6 |
| Net Interest Margin | % | 2.21 | 3.30 | 3.20 |
| Loans (As % Of Deposits) | % | 59.8 | 60.4 | 56.4 |
| NPLs (As % Of Loans) | % | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | ... |
| Growth Rates | 2022 | 2023 | 2024 | |
| Total Revenue Growth | % | 22.8 | 22.2 | 10.9 |
| Operating Cost Growth | % | 11.6 | 8.37 | 2.60 |
| Operating Profit Growth | % | 48.4 | 46.1 | 21.6 |
| Net Profit Growth | % | -18.3 | 156 | 84.2 |
| Customer Loan Growth | % | 0.755 | 1.95 | -0.247 |
| Total Asset Growth | % | 8.96 | 12.1 | 6.19 |
| Customer Deposit Growth | % | 9.78 | 0.869 | 6.99 |
| Shareholders' Equity Growth | % | -14.2 | 27.3 | 7.24 |
| Employees | ... | ... | 233 | |
Get all company financials in excel:
| summary | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| income statement | |||||||||||||||||||||||
| Net Interest Income | HRK mil | ... | 88.6 | 97.1 | 89.4 | 97.1 | |||||||||||||||||
| Total Revenues | HRK mil | ... | 130 | 154 | 126 | 154 | |||||||||||||||||
| Operating Profit | HRK mil | ... | 48.7 | 56.6 | 38.1 | 56.6 | |||||||||||||||||
| Net Profit | HRK mil | ... | 20.8 | 11.9 | 14.6 | 11.9 | |||||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Customer Loans | HRK mil | ... | 2,169 | 2,343 | 2,326 | 2,343 | |||||||||||||||||
| Investments | HRK mil | ... | 714 | 842 | 755 | 842 | |||||||||||||||||
| Total Assets | HRK mil | ... | 3,618 | 4,576 | 4,199 | 4,576 | |||||||||||||||||
| Shareholders' Equity | HRK mil | ... | 476 | 426 | 497 | 426 | |||||||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Customer Deposits | HRK mil | ... | 2,974 | 3,918 | 3,569 | 3,918 | |||||||||||||||||
| Issued Debt Securities | HRK mil | ... | 97.3 | 123 | 71.2 | 123 | |||||||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | ... | 4.37 | 2.65 | 3.16 | 2.59 | ||||||||||||||||
| ROA | % | ... | ... | 0.575 | 0.291 | 0.333 | 0.272 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | 2.25 | 2.39 | 2.00 | 2.23 | ||||||||||||||||
| Costs (As % Of Income) | % | ... | 62.6 | 63.4 | 69.7 | 63.4 | |||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ||||||||||||||||
| Net Interest Margin | % | ... | ... | 2.45 | 2.37 | 2.04 | 2.21 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 68.1 | 62.9 | 71.1 | 62.9 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 18.0 | 20.2 | 20.7 | 20.2 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 53.6 | 49.7 | 52.5 | 49.7 | |||||||||||||||||
| Equity (As % Of Assets) | % | ... | 13.1 | 9.32 | 11.8 | 9.32 | |||||||||||||||||
| Loans (As % Of Deposits) | % | ... | 72.9 | 59.8 | 65.2 | 59.8 | |||||||||||||||||
| Loans (As % Assets) | % | ... | 60.0 | 51.2 | 55.4 | 51.2 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| income statement | |||||||||||||||||||||||
| Interest Income | HRK mil | ... | ... | 105 | 108 | 100 | 108 | ||||||||||||||||
| Interest Cost | HRK mil | ... | ... | 16.0 | 11.1 | 11.1 | 11.1 | ||||||||||||||||
| Net Interest Income | HRK mil | ... | 88.6 | 97.1 | 89.4 | 97.1 | |||||||||||||||||
| Net Fee Income | HRK mil | ... | 23.4 | 31.1 | 26.0 | 31.1 | |||||||||||||||||
| Fee Income | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 38.3 | 48.9 | 44.3 | 48.9 | ||
| Fee Expense | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.9 | 17.8 | 18.2 | 17.8 | ||
| Other Income | HRK mil | ... | 18.2 | 26.2 | 10.4 | 26.2 | |||||||||||||||||
| Total Revenues | HRK mil | ... | 130 | 154 | 126 | 154 | |||||||||||||||||
| Staff Cost | HRK mil | ... | 43.7 | 48.6 | 46.0 | 48.6 | |||||||||||||||||
| Depreciation | HRK mil | ... | 8.30 | 12.4 | 11.2 | 12.4 | |||||||||||||||||
| Other Cost | HRK mil | ... | 29.5 | 36.9 | 30.5 | 36.9 | |||||||||||||||||
| Operating Cost | HRK mil | ... | 81.4 | 97.8 | 87.6 | 97.8 | |||||||||||||||||
| Operating Profit | HRK mil | ... | 48.7 | 56.6 | 38.1 | 56.6 | |||||||||||||||||
| Provisions | HRK mil | ... | 21.8 | 40.0 | 9.48 | 40.0 | |||||||||||||||||
| Extra and Other Cost | HRK mil | ... | 0.047 | 0.783 | 9.77 | 0.783 | |||||||||||||||||
| Pre-Tax Profit | HRK mil | ... | 26.9 | 15.8 | 18.9 | 15.8 | |||||||||||||||||
| Tax | HRK mil | ... | 6.07 | 3.90 | 4.28 | 3.90 | |||||||||||||||||
| Minorities | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Net Profit | HRK mil | ... | 20.8 | 11.9 | 14.6 | 11.9 | |||||||||||||||||
| Net Profit Avail. to Common | HRK mil | ... | 20.8 | 11.9 | 14.6 | 11.9 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | 9.56 | -7.93 | 8.62 | ||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | 33.2 | -16.4 | 19.7 | ||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | 18.6 | -18.5 | 22.8 | ||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | 20.1 | -10.4 | 11.6 | ||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | 16.1 | -32.6 | 48.4 | ||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | -41.1 | 19.3 | -16.1 | ||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | -42.6 | 22.3 | -18.3 | ||||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Revenues | % | ... | 0.640 | 0.939 | ... | ... | ... | ... | |||||||||||||||
| Market Share in Net Profit | % | ... | 0.343 | 0.366 | 0.256 | ... | ... | ... | |||||||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| balance sheet | |||||||||||||||||||||||
| Cash & Cash Equivalents | HRK mil | ... | 400 | 1,132 | 744 | 1,132 | |||||||||||||||||
| Interbank Loans | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Customer Loans | HRK mil | ... | 2,169 | 2,343 | 2,326 | 2,343 | |||||||||||||||||
| Retail Loans | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Corporate Loans | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Investments | HRK mil | ... | 714 | 842 | 755 | 842 | |||||||||||||||||
| Property and Equipment | HRK mil | ... | 142 | 145 | 144 | 145 | |||||||||||||||||
| Intangible Assets | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Assets | HRK mil | ... | 3,618 | 4,576 | 4,199 | 4,576 | |||||||||||||||||
| Shareholders' Equity | HRK mil | ... | 476 | 426 | 497 | 426 | |||||||||||||||||
| Of Which Minority Interest | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Liabilities | HRK mil | ... | 3,143 | 4,149 | 3,703 | 4,149 | |||||||||||||||||
| Interbank Borrowing | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Customer Deposits | HRK mil | ... | 2,974 | 3,918 | 3,569 | 3,918 | |||||||||||||||||
| Retail Deposits | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Corporate Deposits | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Sight Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Term Deposits | HRK mil | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Issued Debt Securities | HRK mil | ... | 97.3 | 123 | 71.2 | 123 | |||||||||||||||||
| Other Liabilities | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | HRK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||
| Gross Loans | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| Total Provisions | HRK mil | ... | ... | ... | ... | ... | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 8.02 | -0.749 | 0.755 | ||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Total Asset Growth | % | ... | ... | ... | 26.5 | -8.22 | 8.96 | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | -10.4 | 16.5 | -14.2 | ||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | 31.7 | -8.91 | 9.78 | ||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | 0.853 | 0.911 | ... | ... | ... | ... | |||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Market Share in Total Assets | % | ... | 0.834 | 0.983 | 6.32 | 6.03 | ... | ||||||||||||||||
| Market Share in Customer Deposits | % | ... | 0.959 | 1.17 | ... | ... | ... | ... | |||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| ROE | % | ... | ... | 4.37 | 2.65 | 3.16 | 2.59 | ||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| ROA | % | ... | ... | 0.575 | 0.291 | 0.333 | 0.272 | ||||||||||||||||
| Return on Loans | % | ... | 0.959 | 0.529 | 0.626 | 0.511 | |||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | 2.25 | 2.39 | 2.00 | 2.23 | ||||||||||||||||
| Costs (As % Of Income) | % | ... | 62.6 | 63.4 | 69.7 | 63.4 | |||||||||||||||||
| Costs (As % Of Loans) | % | ... | ... | 3.75 | 4.34 | 3.75 | 4.19 | ||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | 1.72 | 1.44 | 1.61 | ||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ||||||||||||||||
| Net Interest Margin | % | ... | ... | 2.45 | 2.37 | 2.04 | 2.21 | ||||||||||||||||
| Interest Spread | % | ... | ... | ... | 2.34 | 2.01 | 2.18 | ||||||||||||||||
| Asset Yield | % | ... | ... | 2.89 | 2.64 | 2.29 | 2.46 | ||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | 0.303 | 0.282 | 0.282 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 68.1 | 62.9 | 71.1 | 62.9 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 18.0 | 20.2 | 20.7 | 20.2 | |||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | 14.0 | 16.9 | 8.24 | 16.9 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 53.6 | 49.7 | 52.5 | 49.7 | |||||||||||||||||
| Equity (As % Of Assets) | % | ... | 13.1 | 9.32 | 11.8 | 9.32 | |||||||||||||||||
| Equity (As % Of Loans) | % | ... | 21.9 | 18.2 | 21.4 | 18.2 | |||||||||||||||||
| Loans (As % Of Deposits) | % | ... | 72.9 | 59.8 | 65.2 | 59.8 | |||||||||||||||||
| Loans (As % Assets) | % | ... | 60.0 | 51.2 | 55.4 | 51.2 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | |||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 1.01 | 1.77 | 0.406 | 1.71 |
| other data | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Employees | ... | ... | ... | ... | ... | ... | |||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ||||||||||||||||
| Cost Per Employee (Local Currency) | HRK per month | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - August 5, 2018
Podravska Banka made a net profit of HRK 14.1 mil under revenues of HRK 136 mil in 2017, up -45.9% and -10.3% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of HRK 26.0 mil in 2016 and an all time low of HRK -...
By Helgi Library - May 25, 2025
Podravska Banka's customer loans reached HRK 1,713 mil in 2017, down 9.13% compared to the previous year. Croatian banking sector provided customer loans of HRK 232 bil in 2017, up 8.11% when compared to the last year. Podravska Banka accounted for 0.804%...
By Helgi Library - May 25, 2025
Podravska Banka generated total banking revenues of HRK 136 mil in 2017, down 10.3% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 18,454 mil in 2017, down 2.85% when compared to the last year. ...
By Helgi Library - August 5, 2018
Podravska Banka employed 347 persons in 2007, up 0.289% when compared to the previous year. Historically, the bank's workforce hit an all time high of 347 persons in 2007 and an all time low of 212 in 2003. Average cost reached USD 2,091 per month per employee, ...
By Helgi Library - May 25, 2025
Podravska Banka's retail deposits reached HRK 1,873 mil in 2017, up 1.21% compared to the previous year. Croatian banking sector accepted retail deposits of HRK bil in 2017, down 0% when compared to the last year. Podravska Banka accounted for 0.984% of ...
By Helgi Library - May 25, 2025
Podravska Banka's corporate loans reached HRK 1,224 mil in 2017, down 17.0% 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. Podravska Banka accounted for 1.5...
By Helgi Library - May 25, 2025
Podravska Banka's corporate deposits reached in, down 0% compared to the previous year. Croatian banking sector accepted corporate deposits of HRK bil in, down 0% when compared to the last year. Podravska Banka accounted for of all corporate deposits t...
By Helgi Library - August 5, 2018
Podravska Banka's cost to income ratio reached 84.4% in 2007, down from 92.4% compared to the previous year. Historically, the bank’s costs reached an all time high of 92.4% of income in 2006 and an all time low of 75.6% in 2005. When compared to total ass...
By Helgi Library - May 25, 2025
Podravska Banka generated total banking revenues of HRK 136 mil in 2017, down 10.3% 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 159 mil in 2007 and an...
By Helgi Library - August 5, 2018
Podravska Banka's customer loan growth reached -9.13% in 2017, down from 0.666% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 48.9% in 2006 and an all time low of -13.4% in 2009. In the last decade, the a...
Podravska Banka has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2024. Podravska Banka's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.
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