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Home » Companies » Banking in Austria » Bankhaus Carl Spängler & Co.

Bankhaus Carl Spängler & Co.

's net profit rose 50.8% yoy to EUR 8.85 mil in 2022

By Helgi Library - May 15, 2024

made a net profit of under revenues of in, up % and % respectively compared to the previous year. Historically, the bank’s...

's net interest margin rose 8.97% yoy to 1.25% in 2022

By Helgi Library - May 15, 2024

's net interest margin amounted to in, down from compared to the previous year. Historically, the bank’s net interest ...

Profit Statement 2020 2021 2022
Net Interest Income EUR mil 15.2 15.6 19.7
Net Fee Income EUR mil 24.8 29.5 31.8
Other Income EUR mil 6.01 3.65 3.35
Total Revenues EUR mil 46.0 48.8 54.8
Staff Cost EUR mil 24.3 25.6 29.2
Operating Profit EUR mil 10.1 7.57 12.5
Provisions EUR mil 0.135 0.155 0.144
Net Profit EUR mil 8.15 5.87 8.85
Balance Sheet 2020 2021 2022
Interbank Loans EUR mil 96.8 84.8 186
Customer Loans EUR mil 790 832 886
Investments EUR mil 138 117 113
Total Assets EUR mil 1,259 1,473 1,689
Shareholders' Equity EUR mil 122 126 133
Interbank Borrowing EUR mil 80.4 156 136
Customer Deposits EUR mil 897 1,027 1,254
Ratios 2020 2021 2022
ROE % 6.84 4.74 6.83
ROA % 0.658 0.430 0.560
Costs (As % Of Assets) % 3.12 2.86 2.75
Costs (As % Of Income) % 83.9 79.9 79.3
Net Interest Margin % 1.23 1.14 1.25
Loans (As % Of Deposits) % 88.1 81.0 70.7
Growth Rates 2020 2021 2022
Total Revenue Growth % 7.01 6.00 12.4
Operating Cost Growth % 3.85 1.04 11.4
Operating Profit Growth % 32.5 -25.1 65.2
Net Profit Growth % 41.2 -28.0 50.8
Customer Loan Growth % 3.37 5.26 6.55
Total Asset Growth % 3.32 16.9 14.7
Customer Deposit Growth % -0.221 14.5 22.1
Shareholders' Equity Growth % 4.78 3.23 5.97

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summary Unit 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                    
Net Interest Income EUR mil       17.4 14.5 14.4 15.1 15.2    
Total Revenues EUR mil       47.0 42.3 42.6 43.0 46.0    
Operating Profit EUR mil       10.1 5.14 6.15 7.63 10.1    
Net Profit EUR mil       9.56 3.54 6.98 5.77 8.15    
balance sheet                    
Interbank Loans EUR mil       127 105 96.0 86.0 96.8    
Customer Loans EUR mil       735 716 747 764 790    
Investments EUR mil       117 119 113 151 138    
Total Assets EUR mil       1,259 1,165 1,207 1,219 1,259    
                       
Shareholders' Equity EUR mil       102 106 112 116 122    
Interbank Borrowing EUR mil       29.7 11.0 4.55 4.45 80.4    
Customer Deposits EUR mil       929 900 911 899 897    
ratios                    
ROE %       9.69 3.40 6.40 5.05 6.84    
ROA %       0.772 0.292 0.589 0.476 0.658    
Costs (As % Of Assets) %       2.85 2.91 2.98 3.07 3.12    
Costs (As % Of Income) %       75.0 83.5 83.1 86.4 83.9    
Net Interest Margin %       1.40 1.20 1.21 1.25 1.23    
Interest Income (As % Of Revenues) %       36.9 34.3 33.8 35.2 33.1    
Fee Income (As % Of Revenues) %       47.4 54.6 52.2 55.5 53.8    
Staff Cost (As % Of Total Cost) %       66.1 67.2 68.7 68.3 63.0    
Equity (As % Of Assets) %       8.14 9.10 9.29 9.54 9.68    
Loans (As % Of Deposits) %       79.0 79.6 82.0 85.0 88.1    
Loans (As % Assets) %       58.3 61.5 61.9 62.7 62.7    
valuation                    
Book Value Per Share Growth % ...     -0.459 -16.5 -0.725 5.21 0.747    
income statement Unit 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                    
Interest Income EUR mil       19.6 16.2 15.9 16.9 16.3    
Interest Cost EUR mil       2.21 1.75 1.55 1.78 1.10    
Net Interest Income EUR mil       17.4 14.5 14.4 15.1 15.2    
Net Fee Income EUR mil       22.3 23.1 22.2 23.9 24.8    
Fee Income EUR mil       23.3 24.2 23.2 24.6 25.7    
Fee Expense EUR mil       1.02 1.13 0.939 0.743 0.920    
Other Income EUR mil       7.39 4.67 5.97 4.02 6.01    
Total Revenues EUR mil       47.0 42.3 42.6 43.0 46.0    
Staff Cost EUR mil       23.3 23.7 24.3 25.4 24.3    
Depreciation EUR mil       3.38 2.72 2.31 2.56 5.16    
Other Cost EUR mil       8.57 8.85 8.77 9.21 9.12    
Operating Cost EUR mil       35.3 35.3 35.4 37.2 38.6    
Operating Profit EUR mil       10.1 5.14 6.15 7.63 10.1    
Provisions EUR mil       0.142 0.156 0.158 0.157 0.135    
Pre-Tax Profit EUR mil       9.91 4.99 5.99 7.47 9.97    
Tax EUR mil       0.351 1.45 -0.990 1.70 1.82    
Net Profit EUR mil       9.56 3.54 6.98 5.77 8.15    
Net Profit Avail. to Common EUR mil       9.56 3.54 6.98 5.77 8.15    
growth rates                    
Net Interest Income Growth % ...     -0.459 -16.5 -0.725 5.21 0.747    
Net Fee Income Growth % ...     -1.74 3.53 -3.76 7.37 3.80    
Total Revenue Growth % ...     3.59 -10.2 0.757 1.03 7.01    
Operating Cost Growth % ...     5.83 -0.014 0.315 5.09 3.85    
Operating Profit Growth % ...     2.78 -48.9 19.6 24.0 32.5    
Pre-Tax Profit Growth % ...     2.76 -49.7 20.2 24.7 33.5    
Net Profit Growth % ...     27.0 -63.0 97.3 -17.4 41.2    
balance sheet Unit 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                    
Cash & Cash Equivalents EUR mil       158 99.4 146 103 125    
Interbank Loans EUR mil       127 105 96.0 86.0 96.8    
Customer Loans EUR mil       735 716 747 764 790    
Investments EUR mil       117 119 113 151 138    
Property and Equipment EUR mil       13.9 15.2 15.2 15.6 13.9    
Intangible Assets EUR mil       0.188 0.364 0.347 0.340 0.436    
Total Assets EUR mil       1,259 1,165 1,207 1,219 1,259    
                       
Shareholders' Equity EUR mil       102 106 112 116 122    
Of Which Minority Interest EUR mil       0 0 0 0 0    
Liabilities EUR mil       1,157 1,059 1,095 1,102 1,137    
Interbank Borrowing EUR mil       29.7 11.0 4.55 4.45 80.4    
Customer Deposits EUR mil       929 900 911 899 897    
growth rates                    
Customer Loan Growth % ...     -3.69 -2.46 4.20 2.38 3.37    
Total Asset Growth % ...     3.42 -7.53 3.62 0.994 3.32    
Shareholders' Equity Growth % ...     8.17 3.39 5.84 3.70 4.78    
Customer Deposit Growth % ...     -1.03 -3.20 1.25 -1.33 -0.221    
ratios Unit 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                     
ROE %       9.69 3.40 6.40 5.05 6.84    
ROTE %       9.71 3.41 6.42 5.07 6.87    
ROA %       0.772 0.292 0.589 0.476 0.658    
Return on Loans %       1.28 0.488 0.955 0.764 1.05    
Costs (As % Of Assets) %       2.85 2.91 2.98 3.07 3.12    
Costs (As % Of Income) %       75.0 83.5 83.1 86.4 83.9    
Costs (As % Of Loans) %       4.71 4.86 4.84 4.92 4.97    
Costs (As % Of Loans & Deposits) % ...     2.10 2.15 2.16 2.24 2.30    
Net Interest Margin %       1.40 1.20 1.21 1.25 1.23    
Interest Spread %       1.39 1.18 1.20 1.23 1.22    
Asset Yield %       1.58 1.34 1.34 1.40 1.32    
Cost Of Liabilities %       0.194 0.158 0.144 0.162 0.098    
Interest Income (As % Of Revenues) %       36.9 34.3 33.8 35.2 33.1    
Fee Income (As % Of Revenues) %       47.4 54.6 52.2 55.5 53.8    
Other Income (As % Of Revenues) %       15.7 11.1 14.0 9.34 13.1    
Staff Cost (As % Of Total Cost) %       66.1 67.2 68.7 68.3 63.0    
Equity (As % Of Assets) %       8.14 9.10 9.29 9.54 9.68    
Equity (As % Of Loans) %       14.0 14.8 15.0 15.2 15.4    
Loans (As % Of Deposits) %       79.0 79.6 82.0 85.0 88.1    
Loans (As % Assets) %       58.3 61.5 61.9 62.7 62.7    
Cost of Provisions (As % Of Loans) %       0.019 0.022 0.022 0.021 0.017    

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Finance

Bankhaus Carl Spängler & Co. has been growing its revenues and asset by 8.43% and 11.5% a year on average in the last 3 years. Its loans and deposits have grown by 5.05% and 11.7% a year during that time and loans to deposits ratio reached 70.7% at the end of 2022. The company achieved an average return on equity of 6.14% in the last three years with net profit growing 15.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 79.3% in 2022, compared to 81.0% average in the last three years.

Equity represented 7.89% of total assets or 15.0% of loans at the end of 2022. Bankhaus Carl Spängler & Co.'s non-performing loans were of total loans while provisions covered some of NPLs at the end of 2022.

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