Bank Austria Group

Bank Austria Group's net interest margin rose 46.7% to 0.943% in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's net interest margin amounted to 0.943% in 2017, up from 0.643% compared to the previous year. Histori...

Bank Austria Group's employees fell 78.9% to 5,874 in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group employed 5,874 persons in 2017, down 78.9% when compared to the previous year. Historically, the bank's workf...

Bank Austria Group's npls (as % of loans) fell 8.29% to 4.25% in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's non-performing loans reached 4.25% of total loans at the end of 2017, down from 4.63% compared to the previo...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 3,386 962 980
Fee Income (As % Of Revenues) % 27.4 39.0 39.8
Other Income EUR mil 434 96.0 95.0
Total Revenues EUR mil 5,259 1,734 1,787
Staff Cost EUR mil 1,164 1,093 681
Operating Profit EUR mil 2,410 -331 399
Provisions EUR mil 1,481 251 61.0
Net Profit EUR mil 1,325 -476 539
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 32,214 20,762 19,688
Customer Loans EUR mil 116,377 60,926 60,032
Debt Securities EUR mil 28,396 3,774 3,092
Total Assets EUR mil 193,638 105,785 102,128
Shareholders' Equity EUR mil 15,394 7,892 8,422
Interbank Borrowing EUR mil 23,432 13,939 15,126
Customer Deposits EUR mil 110,346 56,239 55,463
Issued Debt Securities EUR mil 28,802 17,394 14,722
Ratios 2015 2016 2017
ROE % 8.74 -4.09 6.61
ROA % 0.692 -0.318 0.518
Costs (As % Of Assets) % 1.49 1.38 1.34
Costs (As % Of Income) % 54.2 119 77.7
Capital Adequacy Ratio % 14.9 20.8 22.5
Net Interest Margin % 1.77 0.643 0.943
Loans (As % Of Deposits) % 105 108 108
NPLs (As % Of Loans) % 8.49 4.63 4.25
Provisions (As % Of NPLs) % 56.3 73.9 68.9
Growth Rates 2015 2016 2017
Total Revenue Growth % -0.717 -67.0 3.06
Operating Cost Growth % -10.2 -27.5 -32.8
Operating Profit Growth % 13.5 -114 -221
Net Profit Growth % -4.19 -136 -213
Customer Loan Growth % 2.33 -47.6 -1.47
Total Asset Growth % 2.39 -45.4 -3.46
Customer Deposit Growth % 7.90 -49.0 -1.38
Shareholders' Equity Growth % 3.14 -48.7 6.72
Employees 35,523 27,863 5,874

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summary Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                
Net Interest Income EUR mil ... ... ... ...           4,495 4,110 4,132 3,433 3,386    
Total Revenues EUR mil ... ... ... ...           6,793 6,439 6,790 5,297 5,259    
Operating Profit EUR mil ... ... ... ...           3,155 2,926 3,093 2,124 2,410    
Net Profit EUR mil                   209 423 -1,603 1,383 1,325    
balance sheet                                
Interbank Loans EUR mil ... ... ... ...           25,621 28,112 24,967 30,542 32,214    
Customer Loans EUR mil ... ... ... ...           134,914 132,424 129,121 113,732 116,377    
Debt Securities EUR mil ... ... ... ...           21,711 26,239 25,865 26,363 28,396    
Total Assets EUR mil                   199,229 207,596 196,210 189,118 193,638    
Shareholders' Equity EUR mil                   17,661 18,192 15,052 14,925 15,394    
Interbank Borrowing EUR mil ... ... ... ...           32,772 31,061 27,020 23,696 23,432    
Customer Deposits EUR mil ... ... ... ...           104,728 110,563 108,935 102,271 110,346    
Issued Debt Securities EUR mil ... ... ... ...           29,931 28,063 29,049 30,014 28,802    
ratios                                
ROE %                   1.19 2.36 -9.64 9.23 8.74    
ROA %                   0.107 0.208 -0.794 0.718 0.692    
Costs (As % Of Assets) % ... ... ... ...           1.85 1.73 1.83 1.65 1.49    
Costs (As % Of Income) % ... ... ... ...           53.6 54.6 54.4 59.9 54.2    
Capital Adequacy Ratio % ... ... ... ...           12.7 12.5 13.5 13.4 14.9    
Net Interest Margin % ... ... ... ...           2.29 2.02 2.05 1.78 1.77    
Interest Income (As % Of Revenues) % ... ... ... ...           66.2 63.8 60.9 64.8 64.4    
Fee Income (As % Of Revenues) % ... ... ... ...           27.7 23.9 25.0 25.8 27.4    
Staff Cost (As % Of Total Cost) % ... ... ... ...           55.2 54.5 53.9 51.1 40.9    
Equity (As % Of Assets) %                   8.86 8.76 7.67 7.89 7.95    
Loans (As % Of Deposits) % ... ... ... ...           129 120 119 111 105    
Loans (As % Assets) % ... ... ... ...           67.7 63.8 65.8 60.1 60.1    
NPLs (As % Of Loans) % ... ... ... ...           10.2 9.15 8.38 9.22 8.49    
Provisions (As % Of NPLs) % ... ... ... ...           47.9 58.8 61.0 55.4 56.3    
income statement Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                
Interest Income EUR mil ... ... ... ...           8,671 8,316 7,508 6,365 6,269    
Interest Cost EUR mil ... ... ... ...           4,176 4,206 3,376 2,932 2,883    
Net Interest Income EUR mil ... ... ... ...           4,495 4,110 4,132 3,433 3,386    
Net Fee Income EUR mil ... ... ... ...           1,885 1,536 1,698 1,367 1,439    
Other Income EUR mil ... ... ... ...           413 793 960 497 434    
Total Revenues EUR mil ... ... ... ...           6,793 6,439 6,790 5,297 5,259    
Staff Cost EUR mil ... ... ... ...           2,008 1,914 1,992 1,620 1,164    
Depreciation EUR mil ... ... ... ...           0 0 0 172 159    
Other Cost EUR mil ... ... ... ...           1,630 1,599 1,705 1,553 1,685    
Operating Cost EUR mil ... ... ... ...           3,638 3,513 3,697 3,173 2,849    
Operating Profit EUR mil ... ... ... ...           3,155 2,926 3,093 2,124 2,410    
Provisions EUR mil ... ... ... ...           2,277 1,646 1,883 1,039 1,481    
Extra and Other Cost EUR mil ... ... ... ...           369 54.0 1,914 -561 -389    
Pre-Tax Profit EUR mil ... ... ... ...           509 1,226 -704 1,646 1,318    
Tax EUR mil ... ... ... ...           250 326 534 287 86.0    
Minorities EUR mil ... ... ... ...           50.0 38.0 -27.0 -23.0 -93.0    
Net Profit EUR mil                   209 423 -1,603 1,383 1,325    
growth rates                                
Net Interest Income Growth % ... ... ... ... ...         -1.06 -8.57 0.535 -16.9 -1.37    
Net Fee Income Growth % ... ... ... ... ...         -5.28 -18.5 10.5 -19.5 5.27    
Total Revenue Growth % ... ... ... ... ...         -2.02 -5.21 5.45 -22.0 -0.717    
Operating Cost Growth % ... ... ... ... ...         5.08 -3.44 5.24 -14.2 -10.2    
Operating Profit Growth % ... ... ... ... ...         -9.10 -7.26 5.71 -31.3 13.5    
Pre-Tax Profit Growth % ... ... ... ... ...         -55.6 141 -157 -334 -19.9    
Net Profit Growth % ...                 -72.0 102 -479 -186 -4.19    
balance sheet Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                
Cash EUR mil ... ... ... ...           2,919 2,754 2,663 1,942 2,146    
Interbank Loans EUR mil ... ... ... ...           25,621 28,112 24,967 30,542 32,214    
Customer Loans EUR mil ... ... ... ...           134,914 132,424 129,121 113,732 116,377    
Retail Loans EUR mil ... ... ... ...           34,760 36,651 35,177 28,569 28,736    
Mortgage Loans EUR mil ... ... ... ...           25,005 28,188 27,419 24,437 25,135    
Consumer Loans EUR mil ... ... ... ...           9,755 8,463 7,758 4,132 3,601    
Corporate Loans EUR mil ... ... ... ...           100,154 95,773 93,944 85,163 87,641    
Debt Securities EUR mil ... ... ... ...           21,711 26,239 25,865 26,363 28,396    
Fixed Assets EUR mil ... ... ... ...           5,442 4,968 2,427 2,318 2,353    
Total Assets EUR mil                   199,229 207,596 196,210 189,118 193,638    
Shareholders' Equity EUR mil                   17,661 18,192 15,052 14,925 15,394    
Of Which Minority Interest EUR mil ... ... ... ...           534 530 485 193 238    
Liabilities EUR mil                   181,568 189,404 181,158 174,193 178,244    
Interbank Borrowing EUR mil ... ... ... ...           32,772 31,061 27,020 23,696 23,432    
Customer Deposits EUR mil ... ... ... ...           104,728 110,563 108,935 102,271 110,346    
Retail Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Corporate Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Sight Deposits EUR mil ... ... ... ...           45,152 55,767 56,179 55,186 64,908    
Term Deposits EUR mil ... ... ... ...           59,576 54,796 52,756 47,085 45,438    
Issued Debt Securities EUR mil ... ... ... ...           29,931 28,063 29,049 30,014 28,802    
Other Liabilities EUR mil ... ... ... ...           14,137 19,717 16,154 18,212 15,664    
asset quality                                
Non-Performing Loans EUR mil ... ... ... ...           14,470 12,802 11,409 11,057 10,381    
Gross Loans EUR mil ... ... ... ...           141,844 139,954 136,085 119,862 122,219    
Total Provisions EUR mil ... ... ... ...           6,930 7,530 6,964 6,130 5,842    
growth rates                                
Customer Loan Growth % ... ... ... ... ...         3.71 -1.85 -2.49 -11.9 2.33    
Retail Loan Growth % ... ... ... ... ...         3.43 5.44 -4.02 -18.8 0.585    
Mortgage Loan Growth % ... ... ... ... ...         1.03 12.7 -2.73 -10.9 2.86    
Consumer Loan Growth % ... ... ... ... ...         10.2 -13.2 -8.33 -46.7 -12.9    
Corporate Loan Growth % ... ... ... ... ...         3.80 -4.37 -1.91 -9.35 2.91    
Total Asset Growth % ...                 3.20 4.20 -5.48 -3.61 2.39    
Shareholders' Equity Growth % ...                 1.06 3.01 -17.3 -0.844 3.14    
Customer Deposit Growth % ... ... ... ... ...         4.43 5.57 -1.47 -6.12 7.90    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
ratios Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                
ROE %                   1.19 2.36 -9.64 9.23 8.74    
ROA %                   0.107 0.208 -0.794 0.718 0.692    
Costs (As % Of Assets) % ... ... ... ...           1.85 1.73 1.83 1.65 1.49    
Costs (As % Of Income) % ... ... ... ...           53.6 54.6 54.4 59.9 54.2    
Capital Adequacy Ratio % ... ... ... ...           12.7 12.5 13.5 13.4 14.9    
Tier 1 Ratio % ... ... ... ...           10.9 10.8 11.6 10.3 11.0    
Net Interest Margin % ... ... ... ...           2.29 2.02 2.05 1.78 1.77    
Interest Spread % ... ... ... ...           2.08 1.82 1.90 1.65 1.64    
Asset Yield % ... ... ... ...           4.42 4.09 3.72 3.30 3.28    
Cost Of Liabilities % ... ... ... ...           2.34 2.27 1.82 1.65 1.64    
Interest Income (As % Of Revenues) % ... ... ... ...           66.2 63.8 60.9 64.8 64.4    
Fee Income (As % Of Revenues) % ... ... ... ...           27.7 23.9 25.0 25.8 27.4    
Other Income (As % Of Revenues) % ... ... ... ...           6.08 12.3 14.1 9.38 8.25    
Cost Per Employee USD per month ... ... ... ...           3,920 3,520 4,111 4,808 3,130    
Cost Per Employee (Local Currency) EUR per month ... ... ... ...           2,820 2,741 3,097 3,730 2,731    
Staff Cost (As % Of Total Cost) % ... ... ... ...           55.2 54.5 53.9 51.1 40.9    
Equity (As % Of Assets) %                   8.86 8.76 7.67 7.89 7.95    
Loans (As % Of Deposits) % ... ... ... ...           129 120 119 111 105    
Loans (As % Assets) % ... ... ... ...           67.7 63.8 65.8 60.1 60.1    
NPLs (As % Of Loans) % ... ... ... ...           10.2 9.15 8.38 9.22 8.49    
Provisions (As % Of NPLs) % ... ... ... ...           47.9 58.8 61.0 55.4 56.3    
Provisions (As % Of Loans) % ... ... ... ...           5.14 5.69 5.39 5.39 5.02    
Cost of Provisions (As % Of Loans) % ... ... ... ...           1.72 1.23 1.44 0.856 1.29    
other data Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                
Branches ... ... ... ...           3,040 2,970 2,789 1,664 1,510    
Employees ... ... ... ...           59,345 58,182 53,598 36,192 35,523    
Sight (As % Of Customer Deposits) % ... ... ... ...           43.1 50.4 51.6 54.0 58.8    
Risk-Weighted Assets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... 127,522 129,532    

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Bank Austria Group's capital adequacy ratio rose 8.17% to 22.5% in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's capital adequacy ratio reached 22.5% at the end of 2017, up from 20.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 22.5% in 2017 and an all time low of 9.19% in 2008. The Tier 1 ratio amou...

Bank Austria Group's corporate loans fell 1.84% to EUR 42,066 mil in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's loans reached EUR 61,843 mil in the 2017, down from EUR 63,086 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 141,844 mil in 2011 and an all time low of EUR 61,843 mil in 2017. In t...

Bank Austria Group's costs (as % of assets) fell 3.20% to 1.34% in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's cost to income ratio reached 77.7% in 2017, down from 119% compared to the previous year. Historically, the bank’s costs reached an all time high of 119% of income in 2016 and an all time low of 46.6% in 2009. When compared to total as...

Bank Austria Group's net profit rose 213% to EUR 539 mil in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group made a net profit of EUR 539 mil in 2017, up 213% compared to the previous year. This implies a return on equity of 6.61%. Historically, the bank’s net profit reached an all time high of EUR 3,022 mil in 2006 and an all time low of EUR -1...

Bank Austria Group's net interest income rose 1.87% to EUR 980 mil in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group generated total banking revenues of EUR 1,787 mil in 2017, up 3.06% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 7,071 mil in 2009 a...

Bank Austria Group's customer loan growth rose 96.9% to -1.47% in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's customer loan growth reached -1.47% in 2017, up from -47.6% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 44.0% in 2007 and an all time low of -47.6% in 2016. In the last decade, the ...

Bank Austria Group's retail loan growth rose 98.4% to -0.581% in 2017

By Helgi Analytics - September 22, 2018

Bank Austria Group's retail loans reached EUR 17,966 mil at the end of 2017, down 0.581% compared to the previous year. In the last decade, the average annual loan growth amounted to -2.88%. Overall, retail loans accounted for 29.9% of the bank's loan book ...

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Finance

Bank Austria Group has been growing its revenues and asset by -12.0% and -6.92% a year on average in the last 10 years. Its loans and deposits have grown by -6.32% and -5.06% a year during that time and loans to deposits ratio reached 108% at the end of 2017. The company achieved an average return on equity of 3.45% in the last decade with net profit growing -13.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 77.7% in 2017, compared to 62.1% average in the last decade.

Equity represented 8.25% of total assets or 14.0% of loans at the end of 2017. Bank Austria Group's non-performing loans were 4.25% of total loans while provisions covered some 68.9% of NPLs at the end of 2017.