By Helgi Analytics - March 25, 2021
Erste Group Bank's net interest margin amounted to 1.73% in the fourth quarter of 2020, down from 1.78% when compared to the pre...
By Helgi Analytics - March 25, 2021
Erste Group Bank's capital adequacy ratio reached 19.7% at the end of fourth quarter of 2020, up from 19.3% when compared to the ...
By Helgi Analytics - March 25, 2021
Erste Group Bank made a net profit of EUR 146 mil in the fourth quarter of 2020, down 73.1% when compared to the same period of l...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | EUR mil | 4,611 | 4,775 | 4,795 |
| Net Fee Income | EUR mil | 1,908 | 2,000 | 1,977 |
| Other Income | EUR mil | 857 | 935 | 757 |
| Total Revenues | EUR mil | 7,377 | 7,710 | 7,529 |
| Staff Cost | EUR mil | 2,474 | 2,537 | 2,521 |
| Operating Profit | EUR mil | 3,095 | 3,146 | 3,034 |
| Provisions | EUR mil | -59.3 | 113 | 1,295 |
| Net Profit | EUR mil | 1,946 | 1,772 | 786 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | EUR mil | 19,103 | 23,055 | 21,466 |
| Customer Loans | EUR mil | 144,240 | 154,827 | 160,582 |
| Investments | EUR mil | 45,815 | 46,790 | 49,303 |
| Total Assets | EUR mil | 236,792 | 245,693 | 277,394 |
| Shareholders' Equity | EUR mil | 18,869 | 20,477 | 22,410 |
| Interbank Borrowing | EUR mil | 20,135 | 15,638 | 25,877 |
| Customer Deposits | EUR mil | 161,155 | 171,826 | 191,070 |
| Issued Debt Securities | EUR mil | 29,738 | 30,886 | 31,236 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 10.5 | 9.01 | 3.67 |
| ROA | % | 0.851 | 0.735 | 0.301 |
| Costs (As % Of Assets) | % | 1.87 | 1.89 | 1.72 |
| Costs (As % Of Income) | % | 58.0 | 59.2 | 59.7 |
| Capital Adequacy Ratio | % | 18.2 | 18.6 | 19.7 |
| Net Interest Margin | % | 2.02 | 1.98 | 1.83 |
| Loans (As % Of Deposits) | % | 89.5 | 90.1 | 84.0 |
| NPLs (As % Of Loans) | % | 7.45 | 6.63 | 6.13 |
| Provisions (As % Of NPLs) | % | 32.4 | 30.3 | 39.7 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 13,594 | 15,380 | 13,104 |
| Number Of Shares | mil | 427 | 427 | 430 |
| Share Price | EUR | 29.1 | 33.6 | 24.9 |
| Price/Earnings (P/E) | 6.64 | 8.52 | 13.6 | |
| Price/Book Value (P/BV) | 0.657 | 0.699 | 0.478 | |
| Dividend Yield | % | 4.82 | 2.23 | 2.00 |
| Earnings Per Share (EPS) | EUR | 4.38 | 3.94 | 1.83 |
| Book Value Per Share | EUR | 44.2 | 48.0 | 52.1 |
| Dividend Per Share | EUR | 1.40 | 0.750 | 0.500 |
Get all company financials in excel:
| summary | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||||||||||
| Net Interest Income | EUR mil | 4,569 | 4,495 | 4,420 | 4,397 | 4,611 | |||||||||||||||||
| Total Revenues | EUR mil | 6,880 | 6,864 | 7,255 | 7,378 | 7,377 | |||||||||||||||||
| Operating Profit | EUR mil | 2,885 | 2,623 | 2,837 | 2,864 | 3,095 | |||||||||||||||||
| Net Profit | EUR mil | -105 | 1,173 | 1,473 | 1,460 | 1,946 | |||||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | EUR mil | 7,442 | 4,805 | 3,469 | 9,126 | 19,103 | |||||||||||||||||
| Customer Loans | EUR mil | 120,834 | 125,897 | 130,654 | 139,532 | 144,240 | |||||||||||||||||
| Investments | EUR mil | 43,908 | 42,993 | 44,134 | 40,531 | 45,815 | |||||||||||||||||
| Total Assets | EUR mil | 196,287 | 199,743 | 208,227 | 220,659 | 236,792 | |||||||||||||||||
| Shareholders' Equity | EUR mil | 13,444 | 14,807 | 16,602 | 18,288 | 18,869 | |||||||||||||||||
| Interbank Borrowing | EUR mil | 15,911 | 15,056 | 15,365 | 17,905 | 20,135 | |||||||||||||||||
| Customer Deposits | EUR mil | 122,033 | 127,537 | 137,857 | 149,903 | 161,155 | |||||||||||||||||
| Issued Debt Securities | EUR mil | 31,609 | 30,536 | 28,028 | 26,194 | 29,738 | |||||||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | -0.744 | 8.30 | 9.38 | 8.37 | 10.5 | ||||||||||||||||
| ROA | % | ... | -0.053 | 0.592 | 0.722 | 0.681 | 0.851 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.02 | 2.14 | 2.17 | 2.11 | 1.87 | ||||||||||||||||
| Costs (As % Of Income) | % | 58.1 | 61.8 | 60.9 | 61.2 | 58.0 | |||||||||||||||||
| Capital Adequacy Ratio | % | 15.7 | 17.9 | 18.5 | 18.5 | 18.2 | |||||||||||||||||
| Net Interest Margin | % | ... | 2.31 | 2.27 | 2.17 | 2.05 | 2.02 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 66.4 | 65.5 | 60.9 | 59.6 | 62.5 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 24.6 | 25.1 | 25.9 | ||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 54.7 | 52.9 | 53.0 | 52.9 | 57.8 | |||||||||||||||||
| Equity (As % Of Assets) | % | 6.85 | 7.41 | 7.97 | 8.29 | 7.97 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 99.0 | 98.7 | 94.8 | 93.1 | 89.5 | |||||||||||||||||
| Loans (As % Assets) | % | 61.6 | 63.0 | 62.7 | 63.2 | 60.9 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | 10.8 | 8.67 | 6.47 | 5.56 | 7.45 | ||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | 54.1 | 52.5 | 52.7 | 49.8 | 32.4 | ||||||||||||||||
| valuation | |||||||||||||||||||||||
| Market Capitalisation | USD mil | 9,541 | 12,895 | 12,018 | 17,762 | 13,594 | |||||||||||||||||
| Number Of Shares | mil | 428 | 427 | 427 | 427 | 427 | |||||||||||||||||
| Share Price | EUR | 19.2 | 28.9 | 27.8 | 36.1 | 29.1 | |||||||||||||||||
| Earnings Per Share (EPS) | EUR | -0.246 | 2.75 | 3.42 | 3.28 | 4.38 | |||||||||||||||||
| Book Value Per Share | EUR | 31.4 | 34.7 | 38.9 | 42.9 | 44.2 | |||||||||||||||||
| Dividend Per Share | EUR | 0 | 0.500 | 1.00 | 1.20 | 1.40 | |||||||||||||||||
| Price/Earnings (P/E) | ... | ... | 10.5 | 8.14 | 11.0 | 6.64 | |||||||||||||||||
| Price/Book Value (P/BV) | 0.612 | 0.833 | 0.715 | 0.842 | 0.657 | ||||||||||||||||||
| Dividend Yield | % | 0 | 1.73 | 3.59 | 3.32 | 4.82 | |||||||||||||||||
| Earnings Per Share Growth | % | ... | -127 | -1,220 | 24.3 | -4.11 | 33.6 | ||||||||||||||||
| Book Value Per Share Growth | % | ... | -12.5 | 10.4 | 12.1 | 10.2 | 3.17 |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | |||||||||||||||||||||||
| Interest Income | EUR mil | 6,375 | 6,498 | 5,955 | 5,668 | 6,976 | |||||||||||||||||
| Interest Cost | EUR mil | 1,806 | 2,003 | 1,536 | 1,271 | 2,365 | |||||||||||||||||
| Net Interest Income | EUR mil | 4,569 | 4,495 | 4,420 | 4,397 | 4,611 | |||||||||||||||||
| Net Fee Income | EUR mil | ... | ... | ... | 1,783 | 1,852 | 1,908 | ||||||||||||||||
| Fee Income | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,870 | 1,862 | 2,226 | 2,329 | 2,377 | ||||
| Fee Expense | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 443 | 478 | 469 | |||
| Other Income | EUR mil | ... | ... | ... | 1,052 | 1,130 | 857 | ||||||||||||||||
| Total Revenues | EUR mil | 6,880 | 6,864 | 7,255 | 7,378 | 7,377 | |||||||||||||||||
| Staff Cost | EUR mil | 2,184 | 2,245 | 2,339 | 2,389 | 2,474 | |||||||||||||||||
| Depreciation | EUR mil | 248 | 270 | 282 | 284 | 279 | ... | ||||||||||||||||
| Other Cost | EUR mil | 1,563 | 1,726 | 1,797 | 1,843 | 1,529 | ... | ||||||||||||||||
| Operating Cost | EUR mil | 3,995 | 4,240 | 4,418 | 4,515 | 4,282 | |||||||||||||||||
| Operating Profit | EUR mil | 2,885 | 2,623 | 2,837 | 2,864 | 3,095 | |||||||||||||||||
| Provisions | EUR mil | 2,084 | 729 | 196 | 132 | -59.3 | |||||||||||||||||
| Extra and Other Cost | EUR mil | -15.8 | -17.5 | 434 | 462 | 455 | |||||||||||||||||
| Pre-Tax Profit | EUR mil | 817 | 1,912 | 2,208 | 2,270 | 2,698 | |||||||||||||||||
| Tax | EUR mil | 789 | 432 | 463 | 458 | 383 | |||||||||||||||||
| Minorities | EUR mil | 133 | 307 | 272 | 352 | 369 | |||||||||||||||||
| Net Profit | EUR mil | -105 | 1,173 | 1,473 | 1,460 | 1,946 | |||||||||||||||||
| Net Profit Avail. to Common | EUR mil | -105 | 1,173 | 1,457 | 1,399 | 1,869 | |||||||||||||||||
| Dividends | EUR mil | 0 | 205 | 409 | 491 | 572 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -4.30 | -1.64 | -1.67 | -0.516 | 4.87 | ||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | 3.85 | 3.07 | |||||||||||||||
| Total Revenue Growth | % | ... | -2.36 | -0.239 | 5.69 | 1.70 | -0.020 | ||||||||||||||||
| Operating Cost Growth | % | ... | -10.5 | 6.14 | 4.18 | 2.19 | -5.15 | ||||||||||||||||
| Operating Profit Growth | % | ... | 11.7 | -9.08 | 8.14 | 0.941 | 8.07 | ||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 0.971 | 134 | 15.5 | 2.81 | 18.9 | ||||||||||||||||
| Net Profit Growth | % | ... | -122 | -1,217 | 25.6 | -0.866 | 33.3 |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | |||||||||||||||||||||||
| Cash & Cash Equivalents | EUR mil | 7,835 | 12,350 | 18,353 | 21,796 | 17,549 | |||||||||||||||||
| Interbank Loans | EUR mil | 7,442 | 4,805 | 3,469 | 9,126 | 19,103 | |||||||||||||||||
| Customer Loans | EUR mil | 120,834 | 125,897 | 130,654 | 139,532 | 144,240 | |||||||||||||||||
| Retail Loans | EUR mil | ... | ... | 63,148 | 65,909 | 70,169 | 74,623 | ... | |||||||||||||||
| Corporate Loans | EUR mil | ... | ... | 61,142 | 61,916 | 66,292 | 65,562 | ... | |||||||||||||||
| Investments | EUR mil | 43,908 | 42,993 | 44,134 | 40,531 | 45,815 | |||||||||||||||||
| Property and Equipment | EUR mil | 2,264 | 2,401 | 2,477 | 2,387 | 2,293 | |||||||||||||||||
| Intangible Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,441 | 1,465 | 1,390 | 1,524 | 1,507 | ||||
| Goodwill | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 771 | 771 | 710 | 712 | 712 | ... | |||
| Total Assets | EUR mil | 196,287 | 199,743 | 208,227 | 220,659 | 236,792 | |||||||||||||||||
| Shareholders' Equity | EUR mil | 13,444 | 14,807 | 16,602 | 18,288 | 18,869 | |||||||||||||||||
| Of Which Minority Interest | EUR mil | 3,605 | 3,802 | 4,142 | 4,416 | 4,494 | |||||||||||||||||
| Liabilities | EUR mil | 182,844 | 184,936 | 191,625 | 202,371 | 217,923 | |||||||||||||||||
| Interbank Borrowing | EUR mil | 15,911 | 15,056 | 15,365 | 17,905 | 20,135 | |||||||||||||||||
| Customer Deposits | EUR mil | 122,033 | 127,537 | 137,857 | 149,903 | 161,155 | |||||||||||||||||
| Retail Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Corporate Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 47,790 | 54,651 | 63,834 | 74,785 | 82,508 | ... | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 73,923 | 72,737 | 73,949 | 75,070 | 78,435 | ... | |||
| Issued Debt Securities | EUR mil | 31,609 | 30,536 | 28,028 | 26,194 | 29,738 | |||||||||||||||||
| Other Liabilities | EUR mil | 13,292 | 11,808 | 10,376 | 8,369 | 6,895 | |||||||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | 13,845 | 11,437 | 8,750 | 7,983 | 11,011 | ||||||||||||||||
| Gross Loans | EUR mil | ... | 128,325 | 131,906 | 135,267 | 143,509 | 147,803 | ||||||||||||||||
| Risk-Weighted Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 100,590 | 98,299 | 101,808 | 110,029 | 114,599 | ||||
| Total Provisions | EUR mil | ... | 7,491 | 6,009 | 4,613 | 3,977 | 3,563 | ||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | 0.742 | 4.19 | 3.78 | 6.79 | 3.37 | ||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | 4.37 | 6.46 | 6.35 | ... | ||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | 1.27 | 7.07 | -1.10 | ... | ||||||||||||||
| Total Asset Growth | % | ... | -1.91 | 1.76 | 4.25 | 5.97 | 7.31 | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | -9.07 | 10.1 | 12.1 | 10.2 | 3.17 | ||||||||||||||||
| Customer Deposit Growth | % | ... | 0.405 | 4.51 | 8.09 | 8.74 | 7.51 | ||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | -0.744 | 8.30 | 9.38 | 8.37 | 10.5 | ||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.862 | 9.25 | 10.3 | 9.13 | 11.4 | |||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.705 | 7.86 | 9.81 | 9.19 | 11.6 | |||
| ROA | % | ... | -0.053 | 0.592 | 0.722 | 0.681 | 0.851 | ||||||||||||||||
| Return on Loans | % | ... | -0.087 | 0.951 | 1.15 | 1.08 | 1.37 | ||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.91 | 2.64 | 2.84 | 2.70 | 2.76 | |||
| Costs (As % Of Assets) | % | ... | 2.02 | 2.14 | 2.17 | 2.11 | 1.87 | ||||||||||||||||
| Costs (As % Of Income) | % | 58.1 | 61.8 | 60.9 | 61.2 | 58.0 | |||||||||||||||||
| Costs (As % Of Loans) | % | ... | 3.32 | 3.44 | 3.44 | 3.34 | 3.02 | ||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.65 | 1.71 | 1.69 | 1.62 | 1.44 | ||||||||||||||||
| Capital Adequacy Ratio | % | 15.7 | 17.9 | 18.5 | 18.5 | 18.2 | |||||||||||||||||
| Tier 1 Ratio | % | 10.6 | 12.3 | 13.4 | 14.0 | 14.4 | |||||||||||||||||
| Net Interest Margin | % | ... | 2.31 | 2.27 | 2.17 | 2.05 | 2.02 | ||||||||||||||||
| Interest Spread | % | ... | 2.24 | 2.19 | 2.10 | 2.00 | 1.92 | ||||||||||||||||
| Asset Yield | % | ... | 3.22 | 3.28 | 2.92 | 2.64 | 3.05 | ||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.93 | 6.90 | 7.25 | 6.97 | 6.57 | |||
| Cost Of Liabilities | % | ... | 0.981 | 1.09 | 0.816 | 0.645 | 1.13 | ||||||||||||||||
| Payout Ratio | % | 0 | 17.5 | 27.8 | 33.6 | 29.4 | |||||||||||||||||
| Interest Income (As % Of Revenues) | % | 66.4 | 65.5 | 60.9 | 59.6 | 62.5 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 24.6 | 25.1 | 25.9 | ||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 14.5 | 15.3 | 11.6 | ||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 54.7 | 52.9 | 53.0 | 52.9 | 57.8 | |||||||||||||||||
| Equity (As % Of Assets) | % | 6.85 | 7.41 | 7.97 | 8.29 | 7.97 | |||||||||||||||||
| Equity (As % Of Loans) | % | 11.1 | 11.8 | 12.7 | 13.1 | 13.1 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 99.0 | 98.7 | 94.8 | 93.1 | 89.5 | |||||||||||||||||
| Loans (As % Assets) | % | 61.6 | 63.0 | 62.7 | 63.2 | 60.9 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | 10.8 | 8.67 | 6.47 | 5.56 | 7.45 | ||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | 54.1 | 52.5 | 52.7 | 49.8 | 32.4 | ||||||||||||||||
| Provisions (As % Of Loans) | % | ... | 6.20 | 4.77 | 3.53 | 2.85 | 2.47 | ||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.73 | 0.591 | 0.153 | 0.098 | -0.042 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,792 | 2,735 | 2,648 | 2,565 | 2,507 | ... | ||||
| Employees | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46,067 | 46,467 | 47,034 | 47,702 | 47,397 | |||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.5 | 17.0 | 17.8 | 18.6 | 18.9 | ... | ||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,093 | 4,614 | 4,444 | 4,685 | 5,095 | ||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,951 | 4,025 | 4,145 | 4,173 | 4,350 | ||||
| Employee Turnover | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.6 | 12.2 | ... | |
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 65.4 | 62.8 | 62.4 | ... | |
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 31.0 | 28.0 | 29.0 | 31.0 | 30.0 | ... | ||
| Revenues From Abroad | EUR mil | ... | ... | ... | 3,667 | 3,621 | 3,405 | 3,450 | 3,682 | ... | ... | ||||||||||||
| Profit From Abroad | EUR mil | ... | ... | ... | -41.8 | 951 | 1,511 | 1,346 | 1,600 | ... | ... | ||||||||||||
| Revenues From Abroad (As % Of Total) | % | ... | ... | ... | 53.3 | 52.8 | 46.9 | 46.8 | 49.9 | ... | ... | ||||||||||||
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | -5.12 | 49.8 | 68.4 | 59.3 | 59.3 | ... | ... |
| customer breakdown | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | 16.2 | 15.8 | 15.9 | 16.1 | 16.1 | ||||||||||||||||
| Market Value per Customer (Local Currency) | EUR | ... | 487 | 750 | 716 | 920 | 737 | ||||||||||||||||
| Revenue per Customer (Local Currency) | EUR | ... | 425 | 434 | 456 | 458 | 458 | ||||||||||||||||
| Net Profit per Customer (Local Currency) | EUR | ... | -6.48 | 74.2 | 92.6 | 90.7 | 121 | ||||||||||||||||
| Loan per Customer (Local Currency) | EUR | ... | 7,459 | 7,968 | 8,217 | 8,667 | 8,959 | ||||||||||||||||
| Deposit per Customer (Local Currency) | EUR | ... | 7,533 | 8,072 | 8,670 | 9,311 | 10,010 | ||||||||||||||||
| Market Value per Customer | USD | ... | 589 | 816 | 756 | 1,103 | 844 | ||||||||||||||||
| Revenue per Customer | USD | ... | 547 | 498 | 489 | 515 | 537 | ||||||||||||||||
| Net Profit per Customer | USD | ... | -8.35 | 85.1 | 99.3 | 102 | 142 | ||||||||||||||||
| Loan per Customer | USD | ... | 9,028 | 8,675 | 8,677 | 10,389 | 10,258 | ||||||||||||||||
| Deposit per Customer | USD | ... | 9,118 | 8,788 | 9,156 | 11,161 | 11,461 |
Get all company financials in excel:
By Helgi Analytics - March 25, 2021
Erste Group Bank made a net profit of EUR 146 mil under revenues of EUR 1,876 mil in the fourth quarter of 2020, down 73.1% and 1.18% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EUR ...
By Helgi Analytics - March 25, 2021
Erste Group Bank's non-performing loans reached 6.13% of total loans at the end of 2020-12-31, down from 6.63% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.69% in 2013-06-30 and an all time low of 4.01% in 2007-06-30. ...
By Helgi Analytics - March 25, 2021
Erste Group Bank generated total banking revenues of in, down 0% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR mil in, down 0% when compared to the last year. As a result, Erste Group Ban...
By Helgi Analytics - March 25, 2021
Erste Group Bank's customer deposits reached in, down 0% compared to the previous year. Austrian banking sector accepted customer deposits of EUR bil in, down 0% when compared to the last year. Erste Group Bank accounted for of all customer deposits ta...
By Helgi Analytics - March 25, 2021
Erste Group Bank's customer loans reached in, down 0% compared to the previous year. Austrian banking sector provided customer loans of EUR bil in, down 0% when compared to the last year. Erste Group Bank accounted for of all customer loans issued in ...
By Helgi Analytics - March 25, 2021
Erste Group Bank stock traded at per share at the end first quarter of 1970 implying a market capitalization of. Since the end of 1Q1965, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php(418) :...
By Helgi Analytics - March 25, 2021
Erste Group Bank stock traded at per share at the end of first quarter of 1970 implying a market capitalization of. Over the last five years, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php(41...
By Helgi Analytics - March 25, 2021
Erste Group Bank generated total banking revenues of EUR 1,893 mil in the third quarter of 2020, down 2.67% when compared to the same period of last year and up 47.7% when compared to the previous quarter. Historically, the bank’s revenues contain...
By Helgi Analytics - March 25, 2021
Erste Group Bank's Equity reached 8.08% of total assets in the 4Q2020, down from 8.33% for the previous year. As a share of net customer loans, the ratio amounted to 14.0% at the end of the fourth quarter of 2020. ...
By Helgi Analytics - March 25, 2021
Erste Group Bank's risk-weighted assets reached at the end of first quarter of 1970, down 0% when compared to previous quarter and down 0% compared to the same period of last year. Historically, the bank’s risk-weighted assets reached an all time high of EUR mi...
Erste Group Bank is the second largest commercial bank in Austria. The Group was founded in 1819 as the first Austrian savings bank. In 1997, Erste Group went public with a strategy to expand its retail business into Central and Eastern Europe (CEE). Since then Erste Group's customer base has grown through numerous acquisitions and organic growth from 600,000 to around 16.4 million. With 2,900 branches and 46,000 employees, Erste Group is today one of the largest financial services providers in the Eastern part of EU in terms of clients and total assets. It is the largest retail bank in the Czech Republic, Slovakia and Romania and is among the TOP5 players in number of other countries such as Hungary, or Croatia
Erste Group Bank has been growing its revenues and asset by -0.099% and 3.03% a year on average in the last 10 years. Its loans and deposits have grown by 2.44% and 5.03% a year during that time and loans to deposits ratio reached 84.0% at the end of 2020. The company achieved an average return on equity of 5.25% in the last decade with net profit growing -1.11% a year on average. In terms of operating efficiency, its cost to income ratio reached 59.7% in 2020, compared to 60.9% average in the last decade.
Equity represented 8.08% of total assets or 14.0% of loans at the end of 2020. Erste Group Bank's non-performing loans were 6.13% of total loans while provisions covered some 39.7% of NPLs at the end of 2020.
Erste Group Bank stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 7.72% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 13.6x and price to book value (PBV) of 0.478x in 2020.
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