Hrvatska postanska banka d.d. · ZSE:HPB
Hrvatska postanska banka d.d — H1 2019 Earnings Presentation
10 slides from Hrvatska postanska banka d.d's earnings presentation, Jul 24, 2019
Slide 1: Best first half of the year since foundation
Best first half of the year since foundation Unaudited financial results 01.01.- 30.06.2019. Press conference presentation | 24.07.2019. | 1
Slide 2: Record results with continuous transformation
Record results with continuous transformation • Net profit at half year is HRK 123.5 million – best accomplishment since foundation of HPB (y-o-y +30.9%) 1H 2018 1H 2019 In HRK millions (Δ y-o-y) • Operating income has increased for HRK 27.2 million when compared to first half year of 2018 due to st
Slide 3: Organic growth and effect from merger with JABA
Organic growth and effect from merger with JABA Assets market share Gross loans market share 5.5% 5.1% 0.4% 0.1% 5.1% 5.1% 4.9% 4.9% 5.0% 5.0% 4.9% 4.8% 4.4% 4.4% 4.3% 4.4% 12/2014 12/2015 12/2016 12/2017 12/2018 04/2019 12/2014 12/2015 12/2016 12/2017 12/2018 04/2019 Market shares (segmented) Depos
Slide 4: Increase in retail and corporate loans, decrease in public sector – portfolio diversification
Increase in retail and corporate loans, decrease in public sector – portfolio diversification Gross loans (in HRK mil) +69 Increase in gross loans for 9.8% in 1H 2019 +637 • Significant increase in loans in targeted +373 segments retail (+11.1%) and corporate 13,660 SME +18.8%, followed by incrase
Slide 5: Deposits base strongly increased through integration of Jadranska banka
Deposits base strongly increased through integration of Jadranska banka Pasiva (u mil. HRK) Deposits increased by 7.3 percent in 2019 2,299 2,003 1,231 • Deposit base strenghtened by HRK 1.3 912 billion in 1H 2019 trough successful Deposit structure Deposit structure (Dec 31 2018) (Jun 30 2019) inte
Slide 6: Newly implemented operating and business model enables SME to achieve a significant push on the market
Newly implemented operating and business model enables SME to achieve a significant push on the market Trend kretanja kredita SME segmentu • 12 regional centers – optimal geographical coverage 2,386 • 2 entrepreneurship centers began with operations – Velika 2,120 Gorica and Sv. Nedjelja (bringing u
Slide 7: More than HRK billion of new loan placements in the retail segment
More than HRK 1 billion of new loan placements in the retail segment Trend in retail loans movement • 9 regional centers and 57 business units throughout all of 6,363 Croatia, with 3 new additions to the business network in 2019 5,966 5,726 5,142 5,270 5,384 • Simultaneously to the successful integr
Slide 8: Domestic market share of 9% in the number of cards, with significant step forward to be taken in autumn
Domestic market share of 9% in the number of cards, with significant step forward to be taken in autumn From autumn 2019 HPB cards will include # HPB kartica 06/19: Croatian landmarks, reflecting our position as 784,163 the largest bank in domestic ownership 12/18: 12/16: 12/17: 740,675 726,838 728,
Slide 9: Through mHPB we deliver simple, quick and cost effective service
Through mHPB we deliver simple, quick and cost effective service # korisnika mHPB 06/19: 12/18: 83,749 12/17: 77,762 12/16: 70,588 58,114 12/15: 42,436 12/14: 24,168 08/15 11/15 02/16 10/18 01/19 12/14 01/15 02/15 03/15 04/15 05/15 06/15 07/15 09/15 10/15 12/15 01/16 03/16 04/16 05/16 06/16 07/16 08
Slide 10: Optimization of Group's operations continues with the initiated merger of HPB-Stambena štedionica
Optimization of Group’s operations continues with the Initiated merger of HPB-Stambena štedionica as per June 30 2019 37 thousand Optimization Assets HRK 438 mil of operations through number of clients who will gain possible cost costs and more Share in the parent’s assets 1.9% simpler access to HPB
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