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Komercijalna banka a.d Past Earnings Performance
Past criteria checks 4/6
Komercijalna banka a.d's earnings have been declining at an average annual rate of -1.8%, while the Banks industry saw earnings growing at 8.8% annually. Revenues have been growing at an average rate of 3.6% per year. Komercijalna banka a.d's return on equity is 5.8%, and it has net margins of 24.4%.
Key information
-1.8%
Earnings growth rate
1.0%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 3.6% |
| Return on equity | 5.8% |
| Net Margin | 24.4% |
| Last Earnings Update | 31 Mar 2022 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Komercijalna banka a.d makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 22 | 20,891 | 5,106 | 6,423 | 0 |
| 31 Dec 21 | 19,088 | 3,639 | 6,325 | 0 |
| 30 Sep 21 | 18,695 | 419 | 7,051 | 0 |
| 30 Jun 21 | 17,109 | 847 | 6,474 | 0 |
| 31 Mar 21 | 16,298 | 1,299 | 6,585 | 0 |
| 31 Dec 20 | 17,809 | 2,523 | 7,197 | 0 |
| 30 Sep 20 | 18,252 | 6,173 | 7,231 | 0 |
| 30 Jun 20 | 20,223 | 8,176 | 7,289 | 0 |
| 31 Mar 20 | 20,683 | 8,559 | 6,796 | 0 |
| 31 Dec 19 | 21,144 | 8,943 | 6,302 | 0 |
| 30 Sep 19 | 21,910 | 8,708 | 5,557 | 0 |
| 30 Jun 19 | 21,019 | 7,972 | 5,476 | 0 |
| 31 Mar 19 | 20,779 | 8,052 | 5,360 | 0 |
| 31 Dec 18 | 20,538 | 8,132 | 5,244 | 0 |
| 30 Sep 18 | 19,135 | 7,702 | 4,935 | 0 |
| 30 Jun 18 | 19,056 | 6,167 | 5,280 | 0 |
| 31 Mar 18 | 19,161 | 7,136 | 5,291 | 0 |
| 31 Dec 17 | 19,267 | 8,104 | 5,303 | 0 |
| 30 Sep 17 | 16,442 | 4,219 | 5,318 | 0 |
| 30 Jun 17 | 13,617 | 334 | 5,332 | 0 |
| 31 Mar 17 | 10,472 | -3,873 | 5,339 | 0 |
| 31 Dec 16 | 7,327 | -8,080 | 5,346 | 0 |
| 30 Sep 16 | 5,242 | -8,779 | 5,281 | 0 |
| 30 Jun 16 | 3,157 | -9,479 | 5,216 | 0 |
| 31 Mar 16 | 4,934 | -7,782 | 5,181 | 0 |
| 31 Dec 15 | 6,710 | -6,085 | 5,147 | 0 |
Quality Earnings: KMBN has a large one-off loss of RSD3.0B impacting its last 12 months of financial results to 31st March, 2022.
Growing Profit Margin: KMBN's current net profit margins (24.4%) are higher than last year (8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: KMBN has become profitable over the past 5 years, growing earnings by -1.8% per year.
Accelerating Growth: KMBN's earnings growth over the past year (293.1%) exceeds its 5-year average (-1.8% per year).
Earnings vs Industry: KMBN earnings growth over the past year (293.1%) exceeded the Banks industry 32%.
Return on Equity
High ROE: KMBN's Return on Equity (5.8%) is considered low.