Jadranska banka d.d.

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Jadranska banka d.d. Logo

Address

Ante Starčevića 4, 22000, Šibenik, Croatia

BIC

JADRHR2X

Overview

Category

Commercial banks

Business Focus

retail and business banking

Jadranska Banka was founded in April 1957 as Komunalna banka Šibenik. Jadranska Banka was a universal bank, significantly contributing to economic and social development of Šibenik-Knin County by providing retail and business banking products and services to local individuals, SMEs and companies. In April 2019, Jadranska Banka was merged into Hrvatska Poštanska Banka.

Performance

In 2018, Jadranska banka d.d. achieved the position of 18th largest bank in Croatia with a market share of 0.40%; its total assets dropped by 3.08%.

Additionally, the bank became the 25th profitable bank in relation to its total assets showcasing -1.27% return on assets and -26.00% return on equity in 2018.

Also the lender held the 25th position regarging its loans-to-deposits (L/D) registering 30.72% L/D ratio in 2018.

Deposit Protection

Deposits up to 100,000 EUR are covered by Croatian deposit guarantee scheme in Jadranska banka d.d.

Services

retail banking
business banking

Products

current accounts
debit cards
deposit accounts
consumer loans
mortgage loans
lombard loans
business loans

Card Providers

Maestro

See Also

Ways to Bank

Jadranska banka d.d. delivered its products and services through both direct and indirect channels, namely:
branch branch
online banking online banking

Financials

Total Assets of Jadranska banka d.d.
Annual_profit of Jadranska banka d.d.
Market Share of Jadranska banka d.d.
Total Assets (2018)
1,675.99 mln HRK   (-3.08%)
Annual Profit (2018)
-21,646,000.00 HRK   (-30.18%)

Jadranska banka d.d. was the 18th largest bank in Croatia in terms of total assets. In 2018 its total assets were 1 675,99 mln HRK, providing the bank with the market share of 0.40%. In 2018 the bank's annual profit was -21,65 mln HRK.

Deposit Guarantee

Guarantee Fund
State Agency for Deposit Insurance and Bank Resolution (DAB)State Agency for Deposit Insurance and Bank Resolution (DAB)
Protected Amount
up to 100,000 EUR
Eligible Depositors
natural persons
legal entities
Covered Accounts
all accounts

Jadranska banka d.d. participates in the deposit guarantee scheme of Croatia which applies to all accounts made by natural persons, legal entities and covers up to up to 100,000 EUR per bank per depositor. Jadranska banka d.d. is a member of State Agency for Deposit Insurance and Bank Resolution (DAB) and makes its contributions into it.

See Also

Contacts

addressAnte Starčevića 4, 22000, Šibenik, Croatia
phone+385 22 242-100
fax+385 22 335-881
websitehttp://www.jadranska-banka.hr

Jadranska banka d.d. was headquartered in Šibenik.

Bank Identifiers

BIC (SWIFT)
JADRHR2X
Bank Sort Code
2411006
LEI
529900844QR6LA6P3E73
MFI ID
HR02899494784

Bank Supervision

Supervised By
Hrvatska Narodna Banka

Jadranska banka d.d. was authorized and supervised by the Hrvatska Narodna Banka.

Bank History

Close Date
April 2019

Business Summary

Services
retail banking
business banking
Products
current accounts
debit cards
deposit accounts
consumer loans
mortgage loans
lombard loans
business loans
Card Providers
MaestroMaestro

Jadranska banka d.d. provides products and services in the areas of retail banking, business banking. Jadranska banka d.d. offers a range of products including current accounts, debit cards, deposit accounts, consumer loans, mortgage loans, lombard loans, business loans.

Ways to Bank

Business Channels
branch branch
online banking online banking

Products and services offered by Jadranska banka d.d. are available at its branches and via its online banking system.

Balance Sheet

Total Assets (2018)
1,675.99 mln HRK   (-3.08%)
Total Equity (2018)
125.90 mln HRK   (+209.85%)

In 2018 total assets of Jadranska banka d.d. were 1,675.99 mln HRK. Decline compared to the previous period (2017) was -3.08%. The evolution of the total assets of Jadranska banka d.d. is shown at Chart 1 below.

Total Assets of Jadranska banka d.d..

Chart 1. Total Assets of Jadranska banka d.d..

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

2017 2018 change (%)
Cash and deposits with Central Banks 35.7 460.5 +1,188.82%
Loans 408.9 460.5 +12.61%
Total Assets 1,729.3 1,676.0 -3.08%

Table 1. Recent changes in total assets of Jadranska banka d.d. (mln HRK).

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

2017 2018 change (%)
Deposits 1,541.6 1,499.1 -2.76%
Total Liabilities 1,729.3 1,676.0 -3.08%

Table 2. Recent changes in total liabilities of Jadranska banka d.d. (mln HRK).

Income Statement

Annual Profit (2018)
-21,646,000.00 HRK   (-30.18%)

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

2017 2018 change (%)
Interest Income 44.8 41.1 -8.23%
Interest Charges -19.0 -10.8 -43.08%
Net Interest Income 25.9 30.4 +17.33%
Commission Income 12.8 12.4 -3.70%
Commission Charges -3.0 -2.8 -4.37%
Net Commission Income 9.9 9.5 -3.51%

Table 3. Recent changes in gross profit of Jadranska banka d.d. (mln HRK).

In 2018 annual profit of Jadranska banka d.d. was -21,646,000.00 HRK. Decline compared to the previous period (2017) was -30.18%. The evolution of the annual profit of Jadranska banka d.d. is shown at Chart 2 below.

Annual Profit of Jadranska banka d.d..

Chart 2. Annual Profit of Jadranska banka d.d..

Market Share and Rank (among banks in Croatia)

Total Assets (2018)
18th (market share 0.40%)
Loans (2018)
23rd (market share 0.17%)
Deposits (2018)
19th (market share 0.43%)

In 2018 Jadranska banka d.d. was ranked the 18th largest bank in Croatiain terms of total assets, having 0.40% of the domestic market share. Jadranska banka d.d. also became # 23 in terms of loans (market share - 0.17%), # 19 in terms of deposits (market share - 0.43%).

Market share of Jadranska banka d.d. (among banks in Croatia)

Chart 3. Market share of Jadranska banka d.d. (among banks in Croatia)

Historical changes in Jadranska banka d.d.'s domestic rank and market share over 2014-2018 are shown below:

YearRankMarket %
2018180.40 %
2017210.43 %
2016180.50 %
2015180.45 %
2014150.61 %

TheBanks.eu identified several banks banks having the market shares and ranks closest to Jadranska banka d.d. listed below.

RankNameMarket %Total Assets
17 Partner banka d.d.0.38%300.50 mln EUR   (+5.43%)
18 Jadranska banka d.d.0.40%1,675.99 mln HRK   (-3.08%)
19 Imex banka d.d.0.22%173.64 mln EUR   (+9.56%)

Identifiers of Jadranska banka d.d.

Discover key identifiers of Jadranska banka d.d. including its BIC, LEI, sort code, MFI ID.

BIC (Business Identifier Code)

BIC: JADRHR2X

The BIC (also known as SWIFT code) for Jadranska banka d.d. is JADRHR2X. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.

KeyValue
BIC JADRHR2X
Bank BIC Code JADR
Country Code HR (Croatia)
Location Code 2X
Branch Code -

LEI (Legal Entity Identifier)

LEI: 529900844QR6LA6P3E73

Jadranska banka d.d.’s LEI is 529900844QR6LA6P3E73. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.

KeyValue
LEI 529900844QR6LA6P3E73
LOU Identifier 5299
Reserved 00
Entity Identifier 844QR6LA6P3E
Verification ID 73

Bank Sort Code

Bank Sort Code: 2411006

The Bank Sort Code for Jadranska banka d.d. is 2411006. This unique code identifies the bank within Croatia and is essential for domestic payment transactions.

KeyValue
Bank Sort Code 2411006

In Croatia bank sort codes are assigned bythe Hrvatska Narodna Banka (en: Croatian National Bank) and consist of 7 digits.

MFI ID (Monetary Financial Institution Identifier)

MFI ID: HR02899494784

Jadranska banka d.d.’s MFI ID, HR02899494784, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Croatia (HR), followed by the institutions's internal ID.

KeyValue
MFI ID HR02899494784
Country Code HR
MFI Code 02899494784

Banks Similar to Jadranska banka d.d.

TheBanks.eu identified several banks similar to Jadranska banka d.d. based on various criteria, including:

  • country of incorporation
  • bank category
  • business focus
  • total assets (market share)

Bank Category
Housing savings banks
Business Focus
housing financing
Total Assets
297.64 mln EUR   (+6.28%)

Bank Category
Commercial banks
Business Focus
retail and business banking
Total Assets
300.50 mln EUR   (+5.43%)

Bank Category
Commercial banks
Business Focus
retail and business banking
Total Assets
173.64 mln EUR   (+9.56%)

Bank Category
Commercial banks
Business Focus
retail and business banking
Total Assets
234.87 mln EUR   (+10.93%)

Bank Category
Commercial banks
Business Focus
retail and business banking
Total Assets
233.29 mln EUR   (+10.54%)

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