Podravska banka d.d.

Podravska Banka (POBA) is one of the oldest banks in Croatia tracing its roots to Koprivnička dionička štedionica (eng - Equity Savings Bank of Koprivnič), established in 1872. Podravska Banka offers a range of retail banking products and services focusing on those for individuals, sole traders, self-employed professionals and small- and medium-sized enterprises. The bank also offers investment banking solutions and online brokerage.

Bank Category

Commercial banks

Services

Retail Banking
Investment Banking
Online Brokerage

Products

Financials

Total Assets (2017)
3 274.91 mln HRK  (-5.27%)
Annual Profit (2017)
14.10 mln HRK  (-45.85%)

Podravska banka d.d. is the 12th largest bank in Croatia in terms of total assets. In 2017 its total assets were 3 274,91 mln HRK, providing the bank with the market share of 0.82%. In 2017 the bank's annual profit was 14,10 mln HRK.

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

Contacts

Opatička 3, 48000, Koprivnica, Croatia
+385 62 655-000
+385 62 655-266

Podravska banka d.d. is headquartered in Koprivnica.

Bank Identifiers

BIC (SWIFT)
PDKCHR2X
MFI ID
HR97326283154
Bank Sort Code
2386002

Business Summary

Eligible Clients
domestic and international
Services
retail banking
investment banking
online brokerage
Products
current accounts
payment cards
savinds accounts
time deposit accounts (0.40 - 0.55 %)
consumer loans
car loans
mortgage loans
savings accounts (0.10 - 0.10 %)

Podravska banka d.d. provides products and services in the areas of retail banking, investment banking, online brokerage. The range of products offered by Podravska banka d.d. includes current accounts, payment cards, savinds accounts, time deposit accounts (0.40 - 0.55 %), consumer loans, car loans, mortgage loans, savings accounts (0.10 - 0.10 %). Podravska banka d.d. makes its solutions available to domestic and international.

Products

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Savings accounts made with Podravska banka d.d. are covered by deposit guarantee scheme of Croatia up to 100 000 EUR per depositor. Podravska banka d.d. offers the following savings accounts.

Updated on 14 December 2018

Flexgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
1 - 99
Savings Account Details
Product Name
Flexgeld
Account Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term (months)
1 - 99
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with Podravska banka d.d. are covered by deposit guarantee scheme of Croatia up to 100 000 EUR per depositor. Podravska banka d.d. offers the following time deposit accounts.

Updated on 14 December 2018

Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
12
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
18
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
18
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
24
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
36
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
48
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Interest Rate (p.a.)
0.55 %
Deposit Term (months)
60
Investment Amount
5000 - 100000 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Financial Positions

Total Assets (2017)
3 274.91 mln HRK  (-5.27%)
Total Equity (2017)
438.92 mln HRK  (+2.65%)

In 2017 total assets of Podravska banka d.d. were 3 274.91 mln HRK. Decline compared to the previous period (2016) was -5.27%. The evolution of the total assets of Podravska banka d.d. is shown at Chart 1 below.

Total Assets of Podravska banka d.d..

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

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

2016 2017 % change
Cash and deposits with Central Banks 41.6 45.6 +9.51%
Loans 1 558.5 1 524.4 -2.19%
Total Assets 3 457.0 3 274.9 -5.27%
Table 1. Recent changes in total assets of Podravska banka d.d. (mln HRK).

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

2016 2017 % change
Deposits 2 517.4 2 455.6 -2.46%
Total Liabilities 3 457.0 3 274.9 -5.27%
Table 2. Recent changes in total liabilities of Podravska banka d.d. (mln HRK).

Profit and Loss

Annual Profit (2017)
14.10 mln HRK  (-45.85%)

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

2016 2017 % change
Interest Income 148.8 110.2 -25.93%
Interest Charges -49.0 -34.4 -29.76%
Net Interest Income 99.8 75.8 -24.05%
Commission Income 37.5 37.1 -1.09%
Commission Charges -13.7 -14.1 +2.68%
Net Commission Income 23.8 23.0 -3.26%
Table 3. Recent changes in gross profit of Podravska banka d.d. (mln HRK).

In 2017 annual profit of Podravska banka d.d. was 14.10 mln HRK. Decline compared to the previous period (2016) was -45.85%. The evolution of the annual profit of Podravska banka d.d. is shown at Chart 2 below.

Annual Profit of Podravska banka d.d..

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

Market Share and Rank (among banks in Croatia)

Total Assets (2017)
12th (market share 0.82%)

In 2017 Podravska banka d.d. was ranked the 12th largest bank in Croatia in terms of total assets, having 0.82% of the domestic market share.

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

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

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

RankNameTotal AssetsMarket Share
11 Istarska kreditna banka Umag d.d.3367.72 mln HRK0.84%
12 Podravska banka d.d.3274.91 mln HRK0.82%
13 Prva stambena štedionica d.d. (closed)2643.63 mln HRK0.66%
 

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 Podravska banka 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 Podravska banka d.d. and its components are shown in the table below.

BIC  PDKCHR2X
Bank BIC Code  PDKC
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 Podravska banka d.d. is shown in the table below.

MFI ID  HR97326283154

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  2386002