Investor Presentaiton
Stable market position with continuous market share growth
Loans volume grows both on corporate and retail side
Gross loans to corporate and market share
Gross loans to retail and market share
14,62%
16,68%
17,64%
13,33%
13,63%
13,89%
13,91
15,00
12,38
16,87
16,17
15,6
2016
2017
1H 2018
2016
2017
1H 2018
•
•
Corporate loans - ESB (HRK bn)
Corporate loans - ESB market share (%)
The whole market of loans to corporate was in 2017 under pressure
due to the sale of non performing loan portfolios. Hence, the gross
loans to corporate decreased by 1.5% y/y compared to the year
before, in the Croatian market. ESB recorded an increase of the
corporate loan segment of 12.4%, while continuously increasing its
market share
In 1H 2018 positive macroeconomic developments particularly
affected corporate loans growth. The whole market grew by 1.9%
compared to the 2017YE figures, while ESB loans to corporate grew
by 7.8% in the same period, strong enough to more than compensate
_ public sector deleveraging (trend noticeable in whole banking sector)
ERSTEŚ
Source: Agregated non-consolidated statistic report of credit institutions wich CNB
provides to credit institutions
Retail loans ESB (HRK bn)
Retail loans - ESB market share (%)
In 2016 the retail loan segment was characterized by subdued demand
for loans, CHF loans conversion and reduction of NPL portfolio
In 2017 new loans growth was achieved mainly in mortgage loans
segment which has been partially encouraged by state subsidies
(„APN")
In 1H 2018 growth of employment and economic activity intensifiesd the
credit activity towards retail customers. In the first six month of 2018 the
retail loans segment growth of 4.3% was larger than the growth in the
entire 2017 (3.7%)
Bank
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