Erste Bank Core Austria

Erste Bank Core Austria's npls (as % of loans) fell 21.0% to 1.99% in 2017

By Helgi Analytics - June 9, 2018

Erste Bank Core Austria's non-performing loans reached 1.99% of total loans at the end of 2017, down from 2.52% compared to the p...

Erste Bank Core Austria's net profit rose 10.9% to EUR 253 mil in 2017

By Helgi Analytics - June 9, 2018

Erste Bank Core Austria made a net profit of EUR 253 mil in 2017, up 10.9% compared to the previous year. This implies a return ...

Erste Bank Core Austria's customer loans rose 2.76% to EUR 31,427 mil in 2017

By Helgi Analytics - September 23, 2018

Erste Bank Core Austria's customer loans reached EUR 31,427 mil in 2017, up 2.76% compared to the previous year. Austrian banki...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 640 660 631
Fee Income (As % Of Revenues) % 35.6 31.6 33.6
Other Income EUR mil 29.7 62.4 68.7
Total Revenues EUR mil 1,040 1,057 1,054
Operating Profit EUR mil 400 391 374
Provisions EUR mil 59.0 29.3 -26.1
Net Profit EUR mil 231 228 253
Balance Sheet 2015 2016 2017
Customer Loans EUR mil 29,543 30,583 31,427
Total Assets EUR mil 40,560 41,484 43,141
Shareholders' Equity EUR mil 1,259 1,326 1,356
Customer Deposits EUR mil 34,022 35,889 38,250
Ratios 2015 2016 2017
ROE % 19.8 17.7 18.9
ROA % 0.552 0.557 0.598
Costs (As % Of Assets) % 1.53 1.63 1.61
Costs (As % Of Income) % 61.6 63.1 64.5
Net Interest Margin % 1.53 1.61 1.49
Loans (As % Of Deposits) % 86.8 85.2 82.2
NPLs (As % Of Loans) % 2.86 2.52 1.99
Provisions (As % Of NPLs) % 62.6 59.3 57.1
Growth Rates 2015 2016 2017
Total Revenue Growth % 1.93 1.68 -0.357
Operating Cost Growth % 1.52 4.16 1.91
Operating Profit Growth % 2.60 -2.28 -4.23
Net Profit Growth % 7.73 -1.19 10.9
Customer Loan Growth % 1.87 3.52 2.76
Total Asset Growth % -5.91 2.28 3.99
Customer Deposit Growth % 1.06 5.49 6.58
Shareholders' Equity Growth % 17.0 5.30 2.26

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summary Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income EUR mil         666 618 560 613 640    
Total Revenues EUR mil         1,007 953 943 1,020 1,040    
Operating Profit EUR mil         397 338 336 390 400    
Net Profit EUR mil         178 192 160 215 231    
balance sheet                      
Customer Loans EUR mil         28,199 28,052 28,500 29,000 29,543    
Total Assets EUR mil         42,726 42,503 42,162 43,106 40,560    
Shareholders' Equity EUR mil         1,088 1,284 1,068 1,076 1,259    
Customer Deposits EUR mil         28,774 29,960 33,974 33,667 34,022    
ratios                      
ROE %         15.9 16.2 13.6 20.0 19.8    
ROA %         0.421 0.451 0.379 0.503 0.552    
Costs (As % Of Assets) %         1.45 1.44 1.43 1.48 1.53    
Costs (As % Of Income) %         60.5 64.5 64.3 61.8 61.6    
Net Interest Margin %         1.58 1.45 1.32 1.44 1.53    
Interest Income (As % Of Revenues) %         66.1 64.9 59.3 60.1 61.5    
Fee Income (As % Of Revenues) %         31.8 35.6 35.2 34.8 35.6    
Equity (As % Of Assets) %         2.55 3.02 2.53 2.50 3.11    
Loans (As % Of Deposits) %         98.0 93.6 83.9 86.1 86.8    
Loans (As % Assets) %         66.0 66.0 67.6 67.3 72.8    
NPLs (As % Of Loans) % ... ...     3.73 3.77 3.82 3.49 2.86    
Provisions (As % Of NPLs) % ... ...     65.4 65.7 63.7 68.9 62.6    
income statement Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                      
Net Interest Income EUR mil         666 618 560 613 640    
Net Fee Income EUR mil         321 339 332 355 371    
Other Income EUR mil         20.2 -4.20 51.4 51.9 29.7    
Total Revenues EUR mil         1,007 953 943 1,020 1,040    
Operating Cost EUR mil         609 615 607 631 640    
Operating Profit EUR mil         397 338 336 390 400    
Provisions EUR mil         101 96.2 77.5 104 59.0    
Extra and Other Cost EUR mil         63.7 -13.4 34.4 -6.25 25.6    
Pre-Tax Profit EUR mil         232 255 224 291 315    
Tax EUR mil         50.3 55.8 59.1 65.1 73.8    
Minorities EUR mil         4.30 6.90 4.83 11.8 10.1    
Net Profit EUR mil         178 192 160 215 231    
growth rates                      
Net Interest Income Growth % ...       3.35 -7.22 -9.41 9.62 4.25    
Net Fee Income Growth % ...       -7.12 5.74 -2.01 6.82 4.48    
Total Revenue Growth % ...       0.567 -5.37 -0.987 8.17 1.93    
Operating Cost Growth % ...       0.435 0.870 -1.26 3.91 1.52    
Operating Profit Growth % ...       0.770 -15.0 -0.486 15.9 2.60    
Pre-Tax Profit Growth % ...       5.44 9.86 -12.0 29.9 8.14    
Net Profit Growth % ...       6.40 8.33 -16.6 33.7 7.73    
market share                      
Market Share in Revenues %         5.23 4.98 4.98 5.12 5.00    
Market Share in Net Profit %         14.9 5.99 -17.2 -3.21 6.21    
balance sheet Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                      
Customer Loans EUR mil         28,199 28,052 28,500 29,000 29,543    
Total Assets EUR mil         42,726 42,503 42,162 43,106 40,560    
Shareholders' Equity EUR mil         1,088 1,284 1,068 1,076 1,259    
Liabilities EUR mil         41,638 41,218 41,094 42,030 39,301    
Customer Deposits EUR mil         28,774 29,960 33,974 33,667 34,022    
asset quality                      
Non-Performing Loans EUR mil ... ...     1,051 1,058 1,070 1,012 861    
Gross Loans EUR mil ... ...     28,199 28,052 28,049 28,963 30,082    
Total Provisions EUR mil ... ...     688 696 682 697 539    
growth rates                      
Customer Loan Growth % ...       2.78 -0.523 1.60 1.75 1.87    
Total Asset Growth % ...       2.78 -0.523 -0.802 2.24 -5.91    
Shareholders' Equity Growth % ...       -4.79 18.0 -16.8 0.739 17.0    
Customer Deposit Growth % ...       3.52 4.12 13.4 -0.904 1.06    
market share                      
Market Share in Customer Loans %         6.32 6.36 6.58 6.81 6.87    
Market Share in Total Assets %         4.21 4.33 4.55 4.81 4.72    
Market Share in Customer Deposits %         8.26 8.46 9.37 9.00 8.83    
ratios Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                      
ROE %         15.9 16.2 13.6 20.0 19.8    
ROA %         0.421 0.451 0.379 0.503 0.552    
Costs (As % Of Assets) %         1.45 1.44 1.43 1.48 1.53    
Costs (As % Of Income) %         60.5 64.5 64.3 61.8 61.6    
Net Interest Margin %         1.58 1.45 1.32 1.44 1.53    
Interest Income (As % Of Revenues) %         66.1 64.9 59.3 60.1 61.5    
Fee Income (As % Of Revenues) %         31.8 35.6 35.2 34.8 35.6    
Other Income (As % Of Revenues) %         2.01 -0.441 5.45 5.09 2.86    
Equity (As % Of Assets) %         2.55 3.02 2.53 2.50 3.11    
Loans (As % Of Deposits) %         98.0 93.6 83.9 86.1 86.8    
Loans (As % Assets) %         66.0 66.0 67.6 67.3 72.8    
NPLs (As % Of Loans) % ... ...     3.73 3.77 3.82 3.49 2.86    
Provisions (As % Of NPLs) % ... ...     65.4 65.7 63.7 68.9 62.6    
Provisions (As % Of Loans) % ... ...     2.44 2.48 2.39 2.40 1.82    
Cost of Provisions (As % Of Loans) %         0.365 0.342 0.274 0.363 0.202    
other data Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                      
Risk-Weighted Assets EUR mil         13,708 13,045 11,342 12,589 12,483    

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Erste Bank Core Austria's customer deposits rose 6.58% to EUR 38,250 mil in 2017

By Helgi Analytics - September 23, 2018

Erste Bank Core Austria's customer deposits reached EUR 38,250 mil in 2017, up 6.58% 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 Core Austria...

Erste Bank Core Austria's total revenues fell 0.357% to EUR 1,054 mil in 2017

By Helgi Analytics - September 23, 2018

Erste Bank Core Austria generated total banking revenues of EUR 1,054 mil in 2017, down 0.357% 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...

Erste Bank Core Austria's net interest income fell 4.43% to EUR 631 mil in 2017

By Helgi Analytics - June 9, 2018

Erste Bank Core Austria generated total banking revenues of EUR 1,054 mil in 2017, down 0.357% 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 1,057 mil i...

Erste Bank Core Austria's customer loan growth fell 21.6% to 2.76% in 2017

By Helgi Analytics - June 9, 2018

Erste Bank Core Austria's customer loan growth reached 2.76% in 2017, down from 3.52% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 12.7% in 2009 and an all time low of -0.523% in 2012. In the last decade...

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Finance

Erste Bank Core Austria has been growing its revenues and asset by 2.04% and 0.298% a year on average in the last 5 years. Its loans and deposits have grown by 2.30% and 5.01% a year during that time and loans to deposits ratio reached 82.2% at the end of 2017. The company achieved an average return on equity of 18.0% in the last five years with net profit growing 5.65% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.5% in 2017, compared to 63.1% average in the last five years.

Equity represented 3.14% of total assets or 4.32% of loans at the end of 2017. Erste Bank Core Austria's non-performing loans were 1.99% of total loans while provisions covered some 57.1% of NPLs at the end of 2017.