Hrvatska Postanska Banka D.d. · ZSE:HPB
Hrvatska Postanska Banka D.d — HPB p.l.c. — Q3 2016 Earnings Presentation
10 slides from Hrvatska Postanska Banka D.d's earnings presentation, Oct 25, 2016
Slide 1: Success Continues: Financial Results Jan-Sep 2016
SUCCESS CONTINUES FINANCIAL RESULTS Jan 01 – Sep 30 2016 Source: http://www.thebanker.com/World/Central-Eastern-Europe/Top-250-EU-banks-assets-down-profits-up Press conference Zagreb, October 25 2016 HPB p.l.c.
Slide 2: Vision
VISION Largest Croatian-owned banking group that takes best possible care of the financial security and prosperity of its clients and community. CLIENT- GOAL ACCOUNTABILITY AGILITY TEAMWORK EXCELLENCE FOCUSED ACHIEVEMENT CULTURE HPB Group respects its owners and ensures long-term sustainable return
Slide 3: Trends in 2016
TRENDS IN 2016 • net profit and operating profit exceed records set in 2015 • market share growth • growth in total loans and deposits • strong housing loans growth • momentum set for growth and profitability • 26 thousand of newly opened current accounts • client base grows by 13 thousand during 20
Slide 4: 2016 Surpasses Record Breaking 2015 and Is Better Than Planned
2016 SURPASSES RECORD BREAKING 2015 AND IS BETTER THAN PLANNED plan ytd 2014 ytd 2015 ytd 2016 ytd 2016 net HRK HRK HRK HRK net result (409,8 mil) 106,8 mil 147,5 mil 145,5 mil profit ≥ HRK operating HRK HRK HRK HRK 180,8 mil profit 236,8 mil 267,6 mil 297,8 mil 244,3 mil 2016 C/I 58,6% 54,8% 52,2%
Slide 5: Non-Interest Income Growth & Constant Costs
NON-INTEREST INCOME GROWTH & CONSTANT COSTS Operating profit (HRK million) • net interest: general market trend of decreasing interest rates. Δ y-o-y (1) Income growth in retail operations due to strong volume addition, +14 +0,4% that annuled the effect of lower interest rates. Corporate decline due
Slide 6: Loan & Deposit Growth Significantly Above the Market
LOAN & DEPOSIT GROWTH SIGNIFICANTLY ABOVE THE MARKET ITEM (IN HRK) Dec 31 2015 Sep 30 2016 Δ YTD 2016 MARKET SHARE (est) TOTAL ASSETS 17.713.166.474 19.060.556.263 +7,6% 4,8% +0,4 pp in 2016 GROSS LOANS 12.418.155.144 13.507.004.184 +8,8% 5,0% HRK 3,6 billion of new volume +0,6 pp in 2016 DEPOSITS 1
Slide 7: Potential Partially Utilised in Retail Segment
POTENTIAL PARTIALLY UTILISED IN RETAIL SEGMENT ITEM (IN HRK) Dec 31 2015 Sep 30 2016 Δ YTD 2016 MARKET SHARE (est) RETAIL LOANS 4.634.571.446 5.235.533.920 +13,0% 4,5% HRK 1,1 billion of new volume +0,8 pp in 2016 HOUSING LOANS 961.008.397 1.433.853.499 +49,2% 2,7% +1,1 pp in 2016 OTHER LOANS 3.673.
Slide 8: Benefit for Croatian Economy by Providing Financing for Commercial Projects
BENEFIT FOR CROATIAN ECONOMY BY PROVIDING FINANCING FOR COMMERCIAL PROJECTS THAT GENERATE VALUE ITEM (IN HRK) Dec 31 2015 Sep 30 2016 Δ YTD 2016 MARKET SHARE (est) LOANS TO NON-FINANCIAL CORPORATE ENTITIES 7.679.392.796 8.182.144.255 +6,5% 5,6% HRK 2,5 billion of new volume +0,3 pp in 2016 LOANS TO
Slide 9: Other Information About HPB
OTHER INFORMATION ABOUT HPB • 26 thousand of new current accounts & 1,2 thousand of new business accounts ytd 2016 • client base grows by 13 thousand clients in 2016 • HRK 3,6 billion of new loan volume in 2016 • SuperSmart HPB won the SoMo Tech prize for the best mobile application (Weekend media f
Slide 10: Disclaimer
DISCLAIMER: This presentation was prepared for the sole purpose of presenting HPB p.l.c. (later in the text: ”HPB” or ”the Bank”) to attendees of press conference held on October 25 2016, with regard to the publication of quarterly unconsolidated financial reports of HPB for Q3 2016. The presentatio