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Croatia - "The Banking Sector in Central Europe - Performance Overview"

The analysis of the banking sectors in Croatia


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  • The sector’s net profit showed some positive momentum to total EUR 0.5B in 2011, it still remained at a level below the peak of EUR 0.6B recorded in 2008.
  • Overall decrease in profitability clearly highlights the detrimental impact of the increasing cost of risk, which expanded at an annual rate of 44%. The negative impact of this was only partially offset by better cost-to-income ratio, which improved by 3% annually.
  • A conservative approach to liquidity management is evident from a closer look at the loan-to-deposit ratio, which has tended to remain a notch below 100% over the last couple of years. Such a balanced proportion of loans and deposits shows a responsible approach to financing and emphasises the self-funding ability of Croatian banks.
  • The top 10 banks combined command as much as 92% of the sector’s assets, the highest concentration among the CE countries we have analysed.

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