Sberbank d.d.

On 18 January 2013 Volksbank d.d. changed its name to Sberbank d.d.

Bank Category

Commercial banks

Financials

Total Assets (2017)
8 896.76 mln HRK  (-3.99%)
Annual Profit (2017)
-135 816 000.00 HRK

Sberbank d.d. is the 9th largest bank in Croatia in terms of total assets. In 2017 its total assets were 8 896,76 mln HRK, providing the bank with the market share of 2.23%. In 2017 the bank's annual profit was -135,82 mln HRK.

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

Contacts

Varšavska 9, 10000, Zagreb, Croatia
+385 1 4801-300
+385 1 4801-365

Sberbank d.d. is headquartered in Zagreb.

Bank Identifiers

BIC (SWIFT)
VBCRHR22
MFI ID
HR78427478595
Bank Sort Code
2503007

Financial Positions

Total Assets (2017)
8 896.76 mln HRK  (-3.99%)
Total Equity (2017)
1 141.22 mln HRK  (-10.47%)

In 2017 total assets of Sberbank d.d. were 8 896.76 mln HRK. Decline compared to the previous period (2016) was -3.99%. The evolution of the total assets of Sberbank d.d. is shown at Chart 1 below.

Total Assets of Sberbank d.d..

Chart 1. Total Assets of Sberbank d.d..

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

2016 2017 % change
Cash and deposits with Central Banks 154.6 213.4 +38.00%
Loans 5 781.5 5 259.0 -9.04%
Total Assets 9 266.3 8 896.8 -3.99%
Table 1. Recent changes in total assets of Sberbank d.d. (mln HRK).

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

2016 2017 % change
Deposits 7 432.3 6 552.9 -11.83%
Total Liabilities 9 266.3 8 896.8 -3.99%
Table 2. Recent changes in total liabilities of Sberbank d.d. (mln HRK).

Profit and Loss

Annual Profit (2017)
-135 816 000.00 HRK

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

2016 2017 % change
Interest Income 399.0 366.0 -8.28%
Interest Charges -126.8 -81.2 -35.92%
Net Interest Income 272.3 284.7 +4.59%
Commission Income 83.9 81.6 -2.84%
Commission Charges -30.7 -25.8 -15.99%
Net Commission Income 53.3 55.8 +4.74%
Table 3. Recent changes in gross profit of Sberbank d.d. (mln HRK).

In 2017 annual profit of Sberbank d.d. was -135 816 000.00 HRK. Decline compared to the previous period (2016) was -414.95%. The evolution of the annual profit of Sberbank d.d. is shown at Chart 2 below.

Annual Profit of Sberbank d.d..

Chart 2. Annual Profit of Sberbank d.d..

Market Share and Rank (among banks in Croatia)

Total Assets (2017)
9th (market share 2.23%)

In 2017 Sberbank d.d. was ranked the 9th largest bank in Croatia in terms of total assets, having 2.23% of the domestic market share.

Market share of Sberbank d.d. (among banks in Croatia)

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

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

RankNameTotal AssetsMarket Share
8 OTP banka d.d.19646.97 mln HRK4.92%
9 Sberbank d.d.8896.76 mln HRK2.23%
10 Kreditna banka Zagreb d.d.3383.19 mln HRK0.85%
 

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 Sberbank 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 Sberbank d.d. and its components are shown in the table below.

BIC  VBCRHR22
Bank BIC Code  VBCR
Country Code  HR (Croatia)
Location Code  22
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 Sberbank d.d. is shown in the table below.

MFI ID  HR78427478595

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  2503007

European Presence: 8 banks in 8 countries

Sberbank d.d. operates under the brand name Sberbank. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Austria

Croatia

  •  (this bank) Sberbank d.d. (Zagreb)

Czech Republic

Germany

Hungary

Serbia

Slovenia

Switzerland

Defunct Banks: 1 bank in 1 country

The following banks operating under Sberbank brand name has been recently closed down:

Slovakia