Investor Presentaiton
Pronounced growth of loans volume in 1H 2018
Change of assets structure in 1H 2018 (HRK mn)
Change of funding structure in 1H 2018 (HRK mn)
57.206
17
806
579
1.154
58.259
143
58.258
23
323
160
1.014
57.206
95
31/12/17 Cash
Loans to Securities
fin. inst. & deriv.
Loans
Other 30/06/18
31/12/17 Loans Deposits Securities Subord.
issued Instr.
Other
Equity 30/06/18
In the first half of 2018 the loan portfolio grew by HRK 1.15 bn. Although
the deleveraging of the public sector continued in 2018, the previously
mentioned increase in loans to corporate and retail sectors more than
compensated for this
Highly liquid assets optimization continued in 2018, whereby the spill-over
from loans to financial institutions in favor of more profitable securities and
loans to clients is notable
The deposits growth of HRK 1b was backed by deposits from corporate,
retail as well as public sector whereby demand deposits keep increasing
further vis-a-vis term deposits that keep decreasing further
The growth in equity of HRK 323 mn was based mainly on the profit
realized in 1H 2018
ERSTEŚ
Source: audited non-consolidated financial reports for 2016 and 2017 and non-audited
non-consolidated financial reports for 1H 2018 (GFI-KI)
Bank
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