Bank operations

Business in 2023

In 2023, Delavska hranilnica operated successfully and securely. In the conditions of the increase in interest rates of the central banks and their impact on global banking markets, we have exceeded the goals set for the year. With a significant increase in net interest, which will begin to moderate, we increased net fees by 3 percent compared to the previous year and generated a gross profit of EUR 44. 3 million.

The balance sheet total increased by EUR 169. 1 million and the loan portfolio by EUR 54. 5 million. At 0.80%, the share of non-performing loans (NPL) of Delavska hranilnica continues to be among the lowest in the banking system. Part of the net profit in 2022 was allocated to the payment of dividends to shareholders, while the remaining part was transferred to statutory reserves to strengthen capital. The capital adequacy ratio thus amounted to 16,66 % at the end of 2023.

In 2023, we devoted most of our activities to the implementation of our sustainable strategy and the green transition, and actively continued the digitalization of our business. In line with sustainable goals, we strive for employee satisfaction and health, we participate in financial literacy of young people and entrepreneurs, and carry out planned humanitarian activities. We are accessible to our customers through an extended business network and advanced digital channels, where we improve the user experience.