Splitska banka d.d. (formerly Société Générale-Splitska banka d.d.)

Splitska banka 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)
26 891.86 mln HRK  (-0.57%)
Annual Profit (2017)
-84 870 000.00 HRK

Splitska banka d.d. is the 5th largest bank in Croatia in terms of total assets. In 2017 its total assets were 26 891,86 mln HRK, providing the bank with the market share of 6.74%. In 2017 the bank's annual profit was -84,87 mln HRK.

Splitska banka d.d. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is NR (not rated).

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

Member of Group

 OTP Bank (Hungary)

Splitska banka d.d. is a member of OTP Bank (Hungary).

Contacts

Ulica Domovinskog rata 61, 21000, Split, Croatia
+385 21 304-304
+385 21 304-304

Splitska banka d.d. is headquartered in Split.

Bank Identifiers

BIC (SWIFT)
SOGEHR22
MFI ID
HR69326397242
Bank Sort Code
2330003

Financial Positions

Total Assets (2017)
26 891.86 mln HRK  (-0.57%)
Total Equity (2017)
3 510.74 mln HRK  (-6.32%)

In 2017 total assets of Splitska banka d.d. were 26 891.86 mln HRK. Decline compared to the previous period (2016) was -0.57%. The evolution of the total assets of Splitska banka d.d. is shown at Chart 1 below.

Total Assets of Splitska banka d.d..

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

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

2016 2017 % change
Cash and deposits with Central Banks 350.6 383.5 +9.38%
Loans 15 752.2 14 454.7 -8.24%
Total Assets 27 044.7 26 891.9 -0.57%
Table 1. Recent changes in total assets of Splitska banka d.d. (mln HRK).

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

2016 2017 % change
Deposits 21 011.1 21 929.7 +4.37%
Total Liabilities 27 044.7 26 891.9 -0.57%
Table 2. Recent changes in total liabilities of Splitska banka d.d. (mln HRK).

Profit and Loss

Annual Profit (2017)
-84 870 000.00 HRK

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

2016 2017 % change
Interest Income 1 063.6 914.4 -14.03%
Interest Charges -280.0 -156.1 -44.26%
Net Interest Income 783.6 758.3 -3.23%
Commission Income 295.3 297.7 +0.79%
Commission Charges -58.4 -59.3 +1.60%
Net Commission Income 237.0 238.4 +0.58%
Table 3. Recent changes in gross profit of Splitska banka d.d. (mln HRK).

In 2017 annual profit of Splitska banka d.d. was -84 870 000.00 HRK. Decline compared to the previous period (2016) was -123.24%. The evolution of the annual profit of Splitska banka d.d. is shown at Chart 2 below.

Annual Profit of Splitska banka d.d..

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

Market Share and Rank (among banks in Croatia)

Total Assets (2017)
5th (market share 6.74%)

In 2017 Splitska banka d.d. was ranked the 5th largest bank in Croatia in terms of total assets, having 6.74% of the domestic market share.

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

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

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

RankNameTotal AssetsMarket Share
4 Raiffeisenbank Austria d.d.31385.71 mln HRK7.86%
5 Splitska banka d.d.26891.86 mln HRK6.74%
6 Addiko Bank d.d.21199.22 mln HRK5.31%
 

Credit Ratings (as of May 2018)

Fitch Moody's
NR (not rated) - (not rated)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. Splitska banka d.d. is rated by Fitch.

Credit ratings assigned to Splitska banka d.d. as of May 2018 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for Splitska banka d.d. it is set to NR (not rated). The rating is not on watch. Short-term issuer default rating for Splitska banka d.d. is set to NR.

Long-Term Issuer Default Rating  NR
    Outlook  -
    On Watch  No
Short-Term Issuer Default Rating  NR
Viability Rating  -
Support Rating  2
Support Rating Floor  -

Viability rating for Splitska banka d.d. is not set support rating is 2 (high probability of external support); support rating floor is not set.

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

BIC  SOGEHR22
Bank BIC Code  SOGE
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 Splitska banka d.d. is shown in the table below.

MFI ID  HR69326397242

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  2330003