Who Achieved the Highest Interest Margin Among CEE Savings Banks in 2017?

Top Banks by Net Interest Margin (%)
Banking | February 13, 2019
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Excel Sheet

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank operated with the highest net interest margin, followed by OTP Group and DSK Bank.

Sberbank's net interest margin amounted to 5.53% in 2017, up from 5.17% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 7.37% in 2002 and an all time low of 3.76% in 2015. The average margin in the last five years amounted to 4.87%.

Average asset yield was 8.90% in 2017, down from 9.10% when compared to previous year. On the other hand, cost of funding amounted to 3.82% in 2017, down from 4.36%.

Comparing Sberbank with its closest peers, OTP Group operated in 2017 with a net interest margin of 4.54% DSK Bank reached 3.91% and PKO BP some 2.95%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Net Interest Margin Unit 2011 2012 2013 2014 2015 2016 2017 2018
Erste Group Bank % 2.47% 2.26% 2.27% 2.24% 2.15%
OTP Group % 6.35% 6.38% 5.96% 5.09% 4.75%
PKO BP % 4.21% 3.43% 3.36% 2.73% 2.81%
Ceska Sporitelna % 3.27% 2.95% 2.85% 2.78% 2.52%
Zagrebacka Banka % 2.64% 2.49% 2.56% 2.69% 2.71% ...
Slovenska Sporitelna % 3.87% 3.82% 3.76% 3.48% 3.21% ...
DSK Bank % 5.79% 5.33% 5.32% 5.28% 4.61% ...
Banca Commerciala Romana % 3.86% 3.96% 3.57% 3.21% 2.75% ...
Sberbank % 5.44% 5.18% 4.70% 3.76% 5.17%
CEC Bank % ... 3.41% 3.21% 2.83% 2.95% 2.82% ... ...
OTP Bank Hungary % 4.58% 4.31% 3.92% 3.64% 3.40%
Erste Savings Banks % 1.70% 1.46% 1.58% 1.62% 1.64% ...
AVERAGE % 4.26% 3.97% 3.73% 3.56% 3.29% 3.21% 3.10% 3.26%