Erste Bank Austria

Erste Bank Austria's npls (as % of loans) fell 12.2% to 2.77% in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria's non-performing loans reached 2.77% of total loans at the end of 2017, down from 3.15% compared to the previo...

Erste Bank Austria's net profit rose 4.56% to EUR 534 mil in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria made a net profit of EUR 534 mil in 2017, up 4.56% compared to the previous year. This implies a return on eq...

Erste Bank Austria's customer loans rose 4.15% to EUR 74,137 mil in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria's customer loans reached EUR 74,137 mil in 2017, up 4.15% compared to the previous year. Austrian banking se...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 1,984 2,018 1,985
Fee Income (As % Of Revenues) % 32.2 30.2 31.2
Other Income EUR mil 147 205 253
Total Revenues EUR mil 3,143 3,185 3,255
Operating Profit EUR mil 1,192 1,141 1,150
Provisions EUR mil 221 107 1.24
Net Profit EUR mil 443 510 534
Balance Sheet 2015 2016 2017
Customer Loans EUR mil 68,852 71,185 74,137
Total Assets EUR mil 132,396 138,778 143,757
Shareholders' Equity EUR mil 4,940 4,976 5,067
Customer Deposits EUR mil 71,873 75,811 80,811
Ratios 2015 2016 2017
ROE % 9.33 10.3 10.6
ROA % 0.335 0.377 0.378
Costs (As % Of Assets) % 1.48 1.51 1.49
Costs (As % Of Income) % 62.1 64.2 64.7
Net Interest Margin % 1.50 1.49 1.41
Loans (As % Of Deposits) % 95.8 93.9 91.7
NPLs (As % Of Loans) % 3.92 3.15 2.77
Provisions (As % Of NPLs) % 57.8 56.6 55.7
Growth Rates 2015 2016 2017
Total Revenue Growth % 4.04 1.35 2.18
Operating Cost Growth % 3.43 4.78 2.96
Operating Profit Growth % 5.04 -4.27 0.792
Net Profit Growth % 120 15.2 4.56
Customer Loan Growth % 3.43 3.39 4.15
Total Asset Growth % 0.364 4.82 3.59
Customer Deposit Growth % 2.80 5.48 6.60
Shareholders' Equity Growth % 8.16 0.726 1.82
Employees 15,687 16,029 16,283

Get all company financials in excel:

Download Sample   $19.99

summary Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income EUR mil         1,682 1,558 1,787 1,901 1,984    
Total Revenues EUR mil         2,425 2,311 2,963 3,021 3,143    
Operating Profit EUR mil         739 780 1,064 1,135 1,192    
Net Profit EUR mil         184 214 61.8 202 443    
balance sheet                      
Customer Loans EUR mil         65,803 65,738 64,659 66,570 68,852    
Total Assets EUR mil         135,555 134,764 133,170 131,916 132,396    
Shareholders' Equity EUR mil         1,389 1,655 4,663 4,568 4,940    
Customer Deposits EUR mil         62,329 64,174 69,474 69,917 71,873    
ratios                      
ROE %         13.0 14.1 1.96 4.37 9.33    
ROA %         0.136 0.158 0.046 0.152 0.335    
Costs (As % Of Assets) % ... ...     1.25 1.13 1.42 1.42 1.48    
Costs (As % Of Income) % ... ...     69.5 66.3 64.1 62.4 62.1    
Net Interest Margin %         1.25 1.15 1.33 1.43 1.50    
Interest Income (As % Of Revenues) %         69.3 67.4 60.3 62.9 63.1    
Fee Income (As % Of Revenues) %         29.3 31.9 30.7 31.4 32.2    
Equity (As % Of Assets) %         1.03 1.23 3.50 3.46 3.73    
Loans (As % Of Deposits) %         106 102 93.1 95.2 95.8    
Loans (As % Assets) %         48.5 48.8 48.6 50.5 52.0    
NPLs (As % Of Loans) % ... ...     5.56 5.54 4.78 4.35 3.92    
Provisions (As % Of NPLs) % ... ...     61.4 61.8 62.1 65.6 57.8    
income statement Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income EUR mil         1,682 1,558 1,787 1,901 1,984    
Net Fee Income EUR mil         711 737 909 948 1,012    
Other Income EUR mil         32.4 15.7 267 172 147    
Total Revenues EUR mil         2,425 2,311 2,963 3,021 3,143    
Operating Cost EUR mil ... ...     1,686 1,531 1,899 1,886 1,951    
Operating Profit EUR mil         739 780 1,064 1,135 1,192    
Provisions EUR mil         352 322 747 573 221    
Extra and Other Cost EUR mil         0 < 0.001 65.5 16.4 27.7    
Pre-Tax Profit EUR mil         387 457 252 545 943    
Tax EUR mil         90.4 117 120 173 220    
Minorities EUR mil         113 126 70.1 170 280    
Net Profit EUR mil         184 214 61.8 202 443    
growth rates                      
Net Interest Income Growth % ...       6.04 -7.36 14.7 6.38 4.37    
Net Fee Income Growth % ...       -7.29 3.69 23.3 4.33 6.77    
Total Revenue Growth % ...       1.78 -4.71 28.2 1.96 4.04    
Operating Cost Growth % ... ... ...   9.64 -9.19 24.0 -0.654 3.43    
Operating Profit Growth % ...       -52.0 5.52 36.5 6.63 5.04    
Pre-Tax Profit Growth % ...       9.97 18.2 -45.0 117 73.0    
Net Profit Growth % ...       13.5 16.5 -71.1 227 120    
market share                      
Market Share in Revenues %         12.6 12.1 15.6 15.1 15.1    
Market Share in Net Profit %         15.4 6.66 -6.61 -3.02 11.9    
Market Share in Employees % ...       20.7 20.7 20.6 21.0 21.4    
Market Share in Branches % ...       23.4 22.6 22.3 22.7 23.3    
balance sheet Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                      
Customer Loans EUR mil         65,803 65,738 64,659 66,570 68,852    
Retail Loans EUR mil ... ... ... ... 34,335 34,129 ... ... ... ... ...
Corporate Loans EUR mil ... ... ... ... 28,005 28,107 ... ... ... ... ...
Total Assets EUR mil         135,555 134,764 133,170 131,916 132,396    
Shareholders' Equity EUR mil         1,389 1,655 4,663 4,568 4,940    
Liabilities EUR mil         134,165 133,109 128,507 127,348 127,456    
Customer Deposits EUR mil         62,329 64,174 69,474 69,917 71,873    
asset quality                      
Non-Performing Loans EUR mil ... ...     3,658 3,643 3,088 2,895 2,698    
Gross Loans EUR mil ... ...     65,803 65,738 64,659 66,570 68,852    
Total Provisions EUR mil ... ...     2,245 2,251 1,917 1,899 1,561    
growth rates                      
Customer Loan Growth % ...       1.70 -0.099 -1.64 2.95 3.43    
Retail Loan Growth % ... ... ... ... ... -0.602 ... ... ... ... ...
Corporate Loan Growth % ... ... ... ... ... 0.366 ... ... ... ... ...
Total Asset Growth % ...       1.20 -0.584 -1.18 -0.941 0.364    
Shareholders' Equity Growth % ...       -3.09 19.1 182 -2.05 8.16    
Customer Deposit Growth % ...       2.35 2.96 8.26 0.637 2.80    
market share                      
Market Share in Customer Loans %         14.7 14.9 14.9 15.6 16.0    
Market Share in Corporate Loans % ... ... ... ... 20.5 20.4 ... ... ... ... ...
Market Share in Consumer Loans % ... ... ... ... 26.1 25.7 ... ... ... ... ...
Market Share in Total Assets %         13.4 13.7 14.4 14.7 15.4    
Market Share in Customer Deposits %         17.9 18.1 19.2 18.7 18.7    
ratios Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                      
ROE %         13.0 14.1 1.96 4.37 9.33    
ROA %         0.136 0.158 0.046 0.152 0.335    
Costs (As % Of Assets) % ... ...     1.25 1.13 1.42 1.42 1.48    
Costs (As % Of Income) % ... ...     69.5 66.3 64.1 62.4 62.1    
Net Interest Margin %         1.25 1.15 1.33 1.43 1.50    
Interest Income (As % Of Revenues) %         69.3 67.4 60.3 62.9 63.1    
Fee Income (As % Of Revenues) %         29.3 31.9 30.7 31.4 32.2    
Other Income (As % Of Revenues) %         1.34 0.680 9.01 5.69 4.66    
Equity (As % Of Assets) %         1.03 1.23 3.50 3.46 3.73    
Loans (As % Of Deposits) %         106 102 93.1 95.2 95.8    
Loans (As % Assets) %         48.5 48.8 48.6 50.5 52.0    
NPLs (As % Of Loans) % ... ...     5.56 5.54 4.78 4.35 3.92    
Provisions (As % Of NPLs) % ... ...     61.4 61.8 62.1 65.6 57.8    
Provisions (As % Of Loans) % ... ...     3.41 3.42 2.96 2.85 2.27    
Cost of Provisions (As % Of Loans) %         0.539 0.490 1.15 0.873 0.327    
other data Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                      
Branches ...       1,036 1,006 972 964 952    
Employees ...       16,189 16,060 15,659 15,550 15,687    
Risk-Weighted Assets EUR mil         37,073 35,854 48,717 51,294 50,063    

Get all company financials in excel:

Download Sample   $19.99

Erste Bank Austria's customer deposits rose 6.60% to EUR 80,811 mil in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria's customer deposits reached EUR 80,811 mil in 2017, up 6.60% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Erste Bank Austria accounted...

Erste Bank Austria's total revenues rose 2.18% to EUR 3,255 mil in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria generated total banking revenues of EUR 3,255 mil in 2017, up 2.18% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to the last year. ...

Erste Bank Austria's net interest income fell 1.61% to EUR 1,985 mil in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria generated total banking revenues of EUR 3,255 mil in 2017, up 2.18% 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 3,255 mil in 2017 a...

Erste Bank Austria's customer loan growth rose 22.4% to 4.15% in 2017

By Helgi Analytics - November 05, 2019

Erste Bank Austria's customer loan growth reached 4.15% in 2017, up from 3.39% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 11.3% in 2008 and an all time low of -1.64% in 2013. In the last decade, the av...

More News

Erste Bank Austria Logo

Finance

Erste Bank Austria has been growing its revenues and asset by 7.09% and 1.30% a year on average in the last 5 years. Its loans and deposits have grown by 2.43% and 4.72% a year during that time and loans to deposits ratio reached 91.7% at the end of 2017. The company achieved an average return on equity of 7.32% in the last five years with net profit growing 20.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.7% in 2017, compared to 63.5% average in the last five years.

Equity represented 3.52% of total assets or 6.83% of loans at the end of 2017. Erste Bank Austria's non-performing loans were 2.77% of total loans while provisions covered some 55.7% of NPLs at the end of 2017.