Istarska kreditna banka Umag d.d.

Istarska kreditna banka Umag d.d. is a universal bank, offering retail and corporate banking products and services to its customers.

Bank Category

Commercial banks

Financials

Total Assets (2017)
3 367.72 mln HRK  (+4.84%)
Annual Profit (2017)
26.27 mln HRK  (+27.35%)

Istarska kreditna banka Umag d.d. is the 11th largest bank in Croatia in terms of total assets. In 2017 its total assets were 3 367,72 mln HRK, providing the bank with the market share of 0.84%. In 2017 the bank's annual profit was 26,27 mln HRK.

Istarska kreditna banka Umag d.d. participates in deposit guarantee scheme of Croatia. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Contacts

Ernesta Miloša 1, 51470, Umag, Croatia
+385 52 702-359
+385 52 702-387

Istarska kreditna banka Umag d.d. is headquartered in Umag.

Bank Identifiers

BIC (SWIFT)
ISKBHR2X
MFI ID
HR65723536010
Bank Sort Code
2380006

Financial Positions

Total Assets (2017)
3 367.72 mln HRK  (+4.84%)
Total Equity (2017)
296.76 mln HRK  (+5.98%)

In 2017 total assets of Istarska kreditna banka Umag d.d. were 3 367.72 mln HRK. Growth compared to the previous period (2016) was 4.84%. The evolution of the total assets of Istarska kreditna banka Umag d.d. is shown at Chart 1 below.

Total Assets of Istarska kreditna banka Umag d.d..

Chart 1. Total Assets of Istarska kreditna banka Umag d.d..

Recent changes in total assets of Istarska kreditna banka Umag d.d. and its main components are shown in Table 1.

2016 2017 % change
Cash and deposits with Central Banks 190.9 220.1 +15.32%
Loans 1 517.5 1 573.9 +3.71%
Total Assets 3 212.3 3 367.7 +4.84%
Table 1. Recent changes in total assets of Istarska kreditna banka Umag d.d. (mln HRK).

Recent changes in total liabilities of Istarska kreditna banka Umag d.d. and its main components are shown in Table 2.

2016 2017 % change
Deposits 2 801.0 2 953.3 +5.44%
Total Liabilities 3 212.3 3 367.7 +4.84%
Table 2. Recent changes in total liabilities of Istarska kreditna banka Umag d.d. (mln HRK).

Profit and Loss

Annual Profit (2017)
26.27 mln HRK  (+27.35%)

Recent changes in gross profit of Istarska kreditna banka Umag d.d. and its main components are shown in Table 3.

2016 2017 % change
Interest Income 108.1 99.5 -7.93%
Interest Charges -32.3 -18.4 -43.08%
Net Interest Income 75.8 81.1 +7.03%
Commission Income 32.2 32.1 -0.20%
Commission Charges -5.1 -4.9 -4.98%
Net Commission Income 27.0 27.2 +0.70%
Table 3. Recent changes in gross profit of Istarska kreditna banka Umag d.d. (mln HRK).

In 2017 annual profit of Istarska kreditna banka Umag d.d. was 26.27 mln HRK. Growth compared to the previous period (2016) was 27.35%. The evolution of the annual profit of Istarska kreditna banka Umag d.d. is shown at Chart 2 below.

Annual Profit of Istarska kreditna banka Umag d.d..

Chart 2. Annual Profit of Istarska kreditna banka Umag d.d..

Market Share and Rank (among banks in Croatia)

Total Assets (2017)
11th (market share 0.84%)

In 2017 Istarska kreditna banka Umag d.d. was ranked the 11th largest bank in Croatia in terms of total assets, having 0.84% of the domestic market share.

Market share of Istarska kreditna banka Umag d.d. (among banks in Croatia)

Chart 3. Market share of Istarska kreditna banka Umag d.d. (among banks in Croatia)

Several banks having the market shares and ranks closest to Istarska kreditna banka Umag d.d. are shown below.

RankNameTotal AssetsMarket Share
10 Kreditna banka Zagreb d.d.3383.19 mln HRK0.85%
11 Istarska kreditna banka Umag d.d.3367.72 mln HRK0.84%
12 Podravska banka d.d.3274.91 mln HRK0.82%
 

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Croatia are obliged to participate in Croatian deposit guarantee scheme.

In the case of Istarska kreditna banka Umag d.d. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, small entrepreneurs and non-profit organisations
Covered Accounts  all deposits
Maximum Protected Amount  100 000 EUR
Paid In Currency  HRK

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Istarska kreditna banka Umag d.d. and its components are shown in the table below.

BIC  ISKBHR2X
Bank BIC Code  ISKB
Country Code  HR (Croatia)
Location Code  2X
Branch Code  -

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Istarska kreditna banka Umag d.d. is shown in the table below.

MFI ID  HR65723536010

Bank Sort Code

Bank Sort Code is a code that uniquely identifies a financial institution within a country. Bank sort codes are usually assigned by National Central Banks and differ from BIC codes.

Bank Sort Code  2380006