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Erste Group Bank

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Erste Group Bank

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

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Annual Quarterly

summary

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

income statement

Net Interest Income	EUR mil
Total Revenues	EUR mil
Operating Profit	EUR mil
Net Profit	EUR mil

5,235	4,685	4,495	4,445	4,391
7,229	6,995	6,896	6,873	6,708
2,781	2,153	1,356	2,368	2,680
484	60.3	-1,383	968	1,265

balance sheet

Interbank Loans	EUR mil
Customer Loans	EUR mil
Debt Securities	EUR mil
Total Assets	EUR mil
Shareholders' Equity	EUR mil
Interbank Borrowing	EUR mil
Customer Deposits	EUR mil
Issued Debt Securities	EUR mil

9,074	8,377	7,442	4,805	3,469
124,284	119,869	120,834	125,897	130,654
60,576	53,212	53,003	47,542	47,586
213,824	200,118	196,287	199,743	208,227
16,339	14,722	13,444	14,807	16,602
21,822	17,300	14,803	14,212	14,631
123,053	122,415	122,263	127,946	137,939
42,007	31,245	29,387	35,522	25,503

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

	3.07%	0.388%	-9.82%	6.85%	8.05%
	0.228%	0.029%	-0.698%	0.489%	0.620%
	2.10%	2.34%	2.80%	2.27%	1.97%
	61.5%	69.2%	80.3%	65.5%	60.1%
	15.5%	16.3%	15.6%	17.9%	18.5%
	2.47%	2.26%	2.27%	2.24%	2.15%
	72.4%	67.0%	65.2%	64.7%	65.5%
	23.8%	25.8%	27.1%	27.1%	26.6%
	51.4%	46.1%	39.4%	49.8%	58.1%
	7.64%	7.36%	6.85%	7.41%	7.97%
	101%	97.9%	98.8%	98.4%	94.7%
	58.1%	59.9%	61.6%	63.0%	62.7%
...	8.45%	9.63%	8.48%	7.06%	4.94%
...	61.0%	63.1%	68.9%	64.5%	69.1%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	EUR
Earnings Per Share (EPS)	EUR
Book Value Per Share	EUR
Dividend Per Share	EUR
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

		12,483	14,371	9,954	13,431	12,539
		394	412	428	427	427
		24.0	25.3	19.2	28.9	27.8
		1.23	0.146	-3.23	2.27	2.96
		43.5	35.8	31.4	34.7	38.9
		0.401	0.209	0.400	0.500	1.00
	...	19.6	173	...	12.7	9.39
		0.552	0.708	0.612	0.833	0.715
		1.67%	0.825%	2.08%	1.73%	3.59%
...		-164%	-88.1%	-2,308%	-170%	30.6%
...		6.41%	-17.7%	-12.1%	10.4%	12.1%

Download Data

income statement

Unit

1999

2000

2001

2002

2003

2004

2005

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2018

income statement

Interest Income	EUR mil
Interest Cost	EUR mil
Net Interest Income	EUR mil
Net Fee Income	EUR mil
Other Income	EUR mil
Total Revenues	EUR mil
Staff Cost	EUR mil
Depreciation	EUR mil
Other Cost	EUR mil
Operating Cost	EUR mil
Operating Profit	EUR mil
Provisions	EUR mil
Extra and Other Cost	EUR mil
Pre-Tax Profit	EUR mil
Tax	EUR mil
Minorities	EUR mil
Net Profit	EUR mil
Dividends	EUR mil

8,795	6,984	6,301	6,435	5,885
3,576	2,299	1,806	1,990	1,494
5,235	4,685	4,495	4,445	4,391
1,721	1,806	1,870	1,862	1,783
273	504	531	566	534
7,229	6,995	6,896	6,873	6,708
2,284	2,232	2,184	2,245	2,339
367	518	466	445	453
1,105	1,146	2,890	1,815	1,236
4,448	4,842	5,540	4,505	4,028
2,781	2,153	1,356	2,368	2,680
1,980	1,774	2,084	729	196
0	< 0.001	-0.002	-0.001	534
801	378	-728	1,639	1,950
170	179	521	364	414
148	140	133	307	272
484	60.3	-1,383	968	1,265
158	86.0	171	213	427

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-6.00%	-10.5%	-4.05%	-1.12%	-1.20%
...	-3.72%	4.98%	3.51%	-0.432%	-4.23%
...	-3.34%	-3.23%	-1.41%	-0.340%	-2.40%
...	-19.6%	8.88%	14.4%	-18.7%	-10.6%
...	43.0%	-22.6%	-37.0%	74.6%	13.2%
...	-349%	-52.8%	-292%	-325%	19.0%
...	-167%	-87.5%	-2,394%	-170%	30.6%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

...	...	...	...	...	...	...	...	...	...	...	12.1%	15.6%	15.1%	15.1%	16.8%		...
...	...	...	...	...	...	...	...	...	...	...	6.66%	-6.61%	-3.02%	11.9%	11.5%		...
...	...	...	...	...	...	...	...	...			20.7%	20.6%	21.0%	21.4%	22.0%		...
...	...	...	...	...	...	...	...	...			22.6%	...	...	...	...	...	...

Download Data

balance sheet

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

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2010

2011

2012

2013

2014

2015

2016

2017

2018

balance sheet

Cash	EUR mil
Interbank Loans	EUR mil
Customer Loans	EUR mil
Retail Loans	EUR mil
Corporate Loans	EUR mil
Debt Securities	EUR mil
Fixed Assets	EUR mil
Total Assets	EUR mil
Shareholders' Equity	EUR mil
Of Which Minority Interest	EUR mil
Liabilities	EUR mil
Interbank Borrowing	EUR mil
Customer Deposits	EUR mil
Retail Deposits	EUR mil
Corporate Deposits	EUR mil
Sight Deposits	EUR mil
Term Deposits	EUR mil
Issued Debt Securities	EUR mil
Other Liabilities	EUR mil

													9,740	9,301	7,835	12,350	18,353
													9,074	8,377	7,442	4,805	3,469
													124,284	119,869	120,834	125,897	130,654
													54,223	56,793	60,786	63,148	65,909
													69,855	59,571	54,320	56,112	58,273
													60,576	53,212	53,003	47,542	47,586
													5,122	4,760	3,705	3,866	3,867
													213,824	200,118	196,287	199,743	208,227
													16,339	14,722	13,444	14,807	16,602
													3,483	3,462	3,605	3,802	4,142
													197,485	185,333	182,844	184,936	191,625
													21,822	17,300	14,803	14,212	14,631
													123,053	122,415	122,263	127,946	137,939
...	...					...	...	...	...	...	...	...	...	87,803	87,933	91,955	97,829
...	...					...	...	...	...	...	...	...	...	23,501	21,476	22,490	25,353
...	...	...	...	...	...	...	...	...	...	...	...	...	...	65,090	65,104	73,716	85,707
...	...	...	...	...	...	...	...	...	...	...	...	...	...	55,990	56,609	53,671	52,076
													42,007	31,245	29,387	35,522	25,503
													10,604	14,374	16,392	7,257	13,552

asset quality

Non-Performing Loans	EUR mil
Gross Loans	EUR mil
Total Provisions	EUR mil

...	11,388	12,296	10,878	9,314	6,678
...	134,750	127,698	128,325	131,906	135,267
...	6,942	7,753	7,491	6,009	4,613

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...										-2.69%	-3.55%	0.805%	4.19%	3.78%
...										-1.19%	4.74%	7.03%	3.89%	4.37%
...										-2.78%	-14.7%	-8.82%	3.30%	3.85%
...										1.82%	-6.41%	-1.91%	1.76%	4.25%
...										7.63%	-9.90%	-8.68%	10.1%	12.1%
...										3.51%	-0.518%	-0.125%	4.65%	7.81%
...	...	...	...	...	...	...	...	...	...	...	...	0.148%	4.57%	6.39%
...	...	...	...	...	...	...	...	...	...	...	...	-8.62%	4.72%	12.7%

market share

Market Share in Customer Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%

...	...	...	...	...	...	...	...	...	...	...			14.9%	14.9%	15.6%	16.0%	16.4%	...
...	...	...	...	...	...	...	...	...	...	...	...	...	...	14.4%	14.7%	15.4%	16.5%	...
...	...	...	...	...	...	...	...	...	...	...			18.1%	19.2%	18.7%	18.7%	19.2%	...

Download Data

ratios

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	EUR per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

	3.07%	0.388%	-9.82%	6.85%	8.05%
	0.228%	0.029%	-0.698%	0.489%	0.620%
	2.10%	2.34%	2.80%	2.27%	1.97%
	61.5%	69.2%	80.3%	65.5%	60.1%
	15.5%	16.3%	15.6%	17.9%	18.5%
	13.5%	11.4%	10.6%	12.3%	13.4%
	2.47%	2.26%	2.27%	2.24%	2.15%
...	2.33%	2.17%	2.20%	2.17%	2.09%
	4.15%	3.37%	3.18%	3.25%	2.89%
...	1.82%	1.20%	0.981%	1.08%	0.793%
	32.7%	143%	-12.4%	22.0%	33.7%
	72.4%	67.0%	65.2%	64.7%	65.5%
	23.8%	25.8%	27.1%	27.1%	26.6%
	3.78%	7.20%	7.70%	8.24%	7.96%
	4,949	5,407	5,093	4,614	4,444
	3,855	4,073	3,951	4,025	4,145
	51.4%	46.1%	39.4%	49.8%	58.1%
	7.64%	7.36%	6.85%	7.41%	7.97%
	101%	97.9%	98.8%	98.4%	94.7%
	58.1%	59.9%	61.6%	63.0%	62.7%
...	8.45%	9.63%	8.48%	7.06%	4.94%
...	61.0%	63.1%	68.9%	64.5%	69.1%
...	5.59%	6.47%	6.20%	4.77%	3.53%
	1.57%	1.45%	1.73%	0.591%	0.153%

Download Data

other data

Unit

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

other data

Branches
Employees
Clients	mil
Revenues From Abroad	EUR mil
Profit From Abroad	EUR mil
Revenues From Abroad (As % Of Total)	%
Profit From Abroad (As % Of Total)	%
Sight (As % Of Customer Deposits)	%
Risk-Weighted Assets	EUR mil
Loans from Agriculture and Forestry	EUR mil
Loans from Manufacturing	EUR mil
Loans from Energy & Water Supply	EUR mil
Loans from Construction	EUR mil
Loans from Development	EUR mil
Loans from Trade	EUR mil
Loans from Transport & Communication	EUR mil
Loans from Hotels & Restaurants	EUR mil
Loans from Financial & Insurance	EUR mil
Loans from Real estate	EUR mil
Loans from Services	EUR mil
Loans from Public Administration	EUR mil
Loans from Households	EUR mil
Loans from Other	EUR mil
Revenues from Austria	EUR mil
Revenues from Core Austria	EUR mil
Revenues from Savings Banks	EUR mil
Revenues from CEE	EUR mil
Revenues from Czechia	EUR mil
Revenues from Romania	EUR mil
Revenues from Slovakia	EUR mil
Revenues from Hungary	EUR mil
Revenues from Croatia	EUR mil
Revenues from Serbia	EUR mil
Revenues from Others	EUR mil
Costs from Austria	EUR mil
Costs from Core Austria	EUR mil
Costs from Savings Banks	EUR mil
Costs from CEE	EUR mil
Costs from Czechia	EUR mil
Costs from Romania	EUR mil
Costs from Slovakia	EUR mil
Costs from Hungary	EUR mil
Costs from Croatia	EUR mil
Costs from Serbia	EUR mil
Costs from Others	EUR mil
Operating Profit from Austria	EUR mil
Operating Profit from Core Austria	EUR mil
Operating Profit from Savings Banks	EUR mil
Operating Profit from CEE	EUR mil
Operating Profit from Czechia	EUR mil
Operating Profit from Romania	EUR mil
Operating Profit from Slovakia	EUR mil
Operating Profit from Hungary	EUR mil
Operating Profit from Croatia	EUR mil
Operating Profit from Serbia	EUR mil
Operating Profit from Others	EUR mil
Loan Provisions from Austria	EUR mil
Loan Provisions from Core Austria	EUR mil
Loan Provisions from Savings Banks	EUR mil
Loan Provisions from CEE	EUR mil
Loan Provisions from Czechia	EUR mil
Loan Provisions from Romania	EUR mil
Loan Provisions from Slovakia	EUR mil
Loan Provisions from Hungary	EUR mil
Loan Provisions from Croatia	EUR mil
Loan Provisions from Serbia	EUR mil
Loan Provisions from Others	EUR mil
Net Profit from Austria	EUR mil
Net Profit from Core Austria	EUR mil
Net Profit from Savings Banks	EUR mil
Net Profit from CEE	EUR mil
Net Profit from Czechia	EUR mil
Net Profit from Romania	EUR mil
Net Profit from Slovakia	EUR mil
Net Profit from Hungary	EUR mil
Net Profit from Croatia	EUR mil
Net Profit from Serbia	EUR mil
Net Profit from Others	EUR mil
RWA from Austria	EUR mil
RWA from Core Austria	EUR mil
RWA from Savings Banks	EUR mil
RWA from CEE	EUR mil
RWA from Czechia	EUR mil
RWA from Romania	EUR mil
RWA from Slovakia	EUR mil
RWA from Hungary	EUR mil
RWA from Croatia	EUR mil
RWA from Serbia	EUR mil
RWA from Others	EUR mil
Assets from Austria	EUR mil
Assets from Core Austria	EUR mil
Assets from Savings Banks	EUR mil
Assets from CEE	EUR mil
Assets from Czechia	EUR mil
Assets from Romania	EUR mil
Assets from Slovakia	EUR mil
Assets from Hungary	EUR mil
Assets from Croatia	EUR mil
Assets from Serbia	EUR mil
Assets from Others	EUR mil
Return on Allocated Equity from Austria	%
Return on Allocated Equity from Core Austria	%
Return on Allocated Equity from Savings Banks	%
Return on Allocated Equity from CEE	%
Return on Allocated Equity from Czechia	%
Return on Allocated Equity from Romania	%
Return on Allocated Equity from Slovakia	%
Return on Allocated Equity from Hungary	%
Return on Allocated Equity from Croatia	%
Return on Allocated Equity from Serbia	%
Cost to Income from Austria	%
Cost to Income from Core Austria	%
Cost to Income from Savings Banks	%
Cost to Income from CEE	%
Cost to Income from Czechia	%
Cost to Income from Romania	%
Cost to Income from Slovakia	%
Cost to Income from Hungary	%
Cost to Income from Croatia	%
Cost to Income from Serbia	%
Deposits from Austria	EUR mil
Deposits from Core Austria	EUR mil
Deposits from Savings Banks	EUR mil
Deposits from CEE	EUR mil
Deposits from Czechia	EUR mil
Deposits from Romania	EUR mil
Deposits from Slovakia	EUR mil
Deposits from Hungary	EUR mil
Deposits from Croatia	EUR mil
Deposits from Serbia	EUR mil
Loans from Austria	EUR mil
Loans from Core Austria	EUR mil
Loans from Savings Banks	EUR mil
Loans from CEE	EUR mil
Loans from Czechia	EUR mil
Loans from Romania	EUR mil
Loans from Slovakia	EUR mil
Loans from Hungary	EUR mil
Loans from Croatia	EUR mil
Loans from Serbia	EUR mil
Employees in Austria
Employees in Core Austria
Employees in Savings Banks
Employees in CEE
Employees in Czechia
Employees in Romania
Employees in Slovakia
Employees in Hungary
Employees in Croatia
Employees in Serbia
Branches in Austria
Branches in CEE
Branches in Czechia
Branches in Romania
Branches in Slovakia
Branches in Hungary
Branches in Croatia
Branches in Serbia

													3,063	2,833	2,792	2,735	2,648		...
													49,381	45,670	46,067	46,467	47,034
...													16.8	16.5	16.2	15.8	15.9		...
...	...	...											3,697	3,825	3,667	3,621	3,405
...	...	...											390	861	-41.8	951	1,511
...	...	...											51.1%	54.7%	53.2%	52.7%	50.8%
...	...	...											48.7%	228%	5.75%	58.1%	77.4%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	53.2%	53.2%	57.6%	62.1%
													105,323	97,901	101,870	100,281	83,056
...	...	...	...	...	...	...	...	...	...	...	...	...	...	2,218	2,121	2,384	2,367
...	...	...	...	...	...	...	...	...	...	...	...	...	...	9,316	9,322	9,607	10,089
...	...	...	...	...	...	...	...	...	...	...	...	...	...	2,797	3,148	3,339	3,034
...	...	...	...	...	...	...	...	...	...	...	...	...	...	6,743	6,208	6,330	6,236
...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,228	3,305	3,557	3,567
...	...	...	...	...	...	...	...	...	...	...	...	...	...	8,376	7,903	7,860	7,912
...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,516	3,539	3,621	3,622
...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,822	3,642	3,678	3,699
...	...	...	...	...	...	...	...	...	...	...	...	...	...	5,576	5,888	5,165	3,829
...	...	...	...	...	...	...	...	...	...	...	...	...	...	19,975	20,558	21,082	21,844
...	...	...	...	...	...	...	...	...	...	...	...	...	...	4,743	4,895	5,728	7,033
...	...	...	...	...	...	...	...	...	...	...	...	...	...	6,062	6,127	6,765	6,004
...	...	...	...	...	...	...	...	...	...	...	...	...	...	51,266	51,807	53,250	56,415
...	...	...	...	...	...	...	...	...	...	...	...	...	...	58.4	-139	-459	-383
...	...	...	...	...	...	...	...	...	...	...			2,311	2,963	3,021	3,143	3,185
...	...	...	...	...	...	...	...	...	...	...			953	1,658	1,642	1,707	1,739
...	...	...	...	...	...	...	...	...	...	...			1,358	1,305	1,379	1,435	1,446
...	...	...	...	...	...	...	...	...	...	...			3,675	3,825	3,667	3,508	3,405
...	...	...	...	...	...	...	...	...	...	...			1,581	1,548	1,449	1,432	1,385
...	...	...	...	...	...	...	...	...	...	...			763	887	732	680	616
...	...	...	...	...	...	...	...	...	...	...			538	572	594	600	595
...	...	...	...	...	...	...	...	...	...	...			411	435	442	337	340
...	...	...	...	...	...	...	...	...	...	...			329	334	399	402	407
...	...	...	...	...	...	...	...	...	...	...			52.8	48.5	50.5	58.4	61.7
...	...	...	...	...	...	...	...	...	...	...			0	207	190	121	101
...	...	...	...	...	...	...	...	...	...	...			1,531	1,899	1,886	1,951	2,044
...	...	...	...	...	...	...	...	...	...	...			601	972	954	985	1,022
...	...	...	...	...	...	...	...	...	...	...			930	926	932	966	1,022
...	...	...	...	...	...	...	...	...	...	...			1,877	1,700	1,658	1,694	1,726
...	...	...	...	...	...	...	...	...	...	...			785	722	662	681	671
...	...	...	...	...	...	...	...	...	...	...			405	369	332	341	350
...	...	...	...	...	...	...	...	...	...	...			274	249	266	266	275
...	...	...	...	...	...	...	...	...	...	...			242	180	176	180	196
...	...	...	...	...	...	...	...	...	...	...			136	144	183	187	194
...	...	...	...	...	...	...	...	...	...	...			35.3	36.5	38.6	39.0	40.2
...	...	...	...	...	...	...	...	...	...	...	...	...	...	297	243	224	258
...	...	...	...	...	...	...	...	...	...	...			780	1,064	1,135	1,192	1,141
...	...	...	...	...	...	...	...	...	...	...			351	686	688	723	717
...	...	...	...	...	...	...	...	...	...	...			428	378	447	469	424
...	...	...	...	...	...	...	...	...	...	...			1,798	2,125	2,009	1,815	1,679
...	...	...	...	...	...	...	...	...	...	...			796	826	787	751	713
...	...	...	...	...	...	...	...	...	...	...			359	518	400	340	266
...	...	...	...	...	...	...	...	...	...	...			264	323	327	334	320
...	...	...	...	...	...	...	...	...	...	...			169	255	267	157	145
...	...	...	...	...	...	...	...	...	...	...			193	191	216	215	213
...	...	...	...	...	...	...	...	...	...	...			17.5	12.0	11.9	19.3	21.5
...	...	...	...	...	...	...	...	...	...	...			0	-90.0	-53.0	-104	-157
...	...	...	...	...	...	...	...	...	...	...			322	747	573	221	107
...	...	...	...	...	...	...	...	...	...	...			96.2	518	374	138	52.8
...	...	...	...	...	...	...	...	...	...	...			226	229	199	83.6	54.2
...	...	...	...	...	...	...	...	...	...	...			1,292	1,012	1,509	423	17.2
...	...	...	...	...	...	...	...	...	...	...			140	140	135	97.1	70.5
...	...	...	...	...	...	...	...	...	...	...			737	454	999	-16.4	-62.4
...	...	...	...	...	...	...	...	...	...	...			53.4	47.2	51.4	58.0	48.2
...	...	...	...	...	...	...	...	...	...	...			215	201	152	106	-91.7
...	...	...	...	...	...	...	...	...	...	...			137	159	155	167	48.4
...	...	...	...	...	...	...	...	...	...	...			9.00	9.64	15.7	10.8	4.15
...	...	...	...	...	...	...	...	...	...	...			0	15.8	77.1	85.1	71.5
...	...	...	...	...	...	...	...	...	...	...			214	61.8	202	443	510
...	...	...	...	...	...	...	...	...	...	...			192	-29.3	24.6	402	476
...	...	...	...	...	...	...	...	...	...	...			21.5	91.1	177	41.6	34.1
...	...	...	...	...	...	...	...	...	...	...			369	770	-233	759	1,185
...	...	...	...	...	...	...	...	...	...	...			518	552	506	498	542
...	...	...	...	...	...	...	...	...	...	...			-294	115	-614	185	199
...	...	...	...	...	...	...	...	...	...	...			169	181	179	185	213
...	...	...	...	...	...	...	...	...	...	...			-55.1	-89.5	-331	-71.3	134
...	...	...	...	...	...	...	...	...	...	...			23.7	10.1	32.6	-43.7	83.7
...	...	...	...	...	...	...	...	...	...	...			7.80	1.41	-5.42	6.27	12.8
...	...	...	...	...	...	...	...	...	...	...			0	-771	-1,411	-234	-431
...	...	...	...	...	...	...	...	...	...	...			35,854	48,717	51,294	50,063	46,970
...	...	...	...	...	...	...	...	...	...	...			12,820	26,253	28,783	28,107	26,041
...	...	...	...	...	...	...	...	...	...	...			23,034	22,464	22,511	21,955	20,930
...	...	...	...	...	...	...	...	...	...	...			32,933	32,653	32,565	33,301	34,061
...	...	...	...	...	...	...	...	...	...	...			12,511	13,934	13,745	14,406	15,285
...	...	...	...	...	...	...	...	...	...	...			7,778	6,850	5,676	5,489	5,369
...	...	...	...	...	...	...	...	...	...	...			4,072	3,878	4,416	4,905	4,737
...	...	...	...	...	...	...	...	...	...	...			4,163	3,926	3,409	3,328	3,471
...	...	...	...	...	...	...	...	...	...	...			3,893	3,505	4,664	4,369	4,256
...	...	...	...	...	...	...	...	...	...	...			515	560	655	803	943
...	...	...	...	...	...	...	...	...	...	...	...	...	...	3,489	3,245	1,334	2,025
...	...	...	...	...	...	...	...	...	...	...	...	...	...	133,170	131,916	132,396	138,778
...	...	...	...	...	...	...	...	...	...	...	...	...	...	76,965	75,212	74,443	80,421
...	...	...	...	...	...	...	...	...	...	...	...	...	...	56,205	56,704	57,953	58,357
...	...	...	...	...	...	...	...	...	...	...	...	...	...	79,324	75,181	79,266	85,624
...	...	...	...	...	...	...	...	...	...	...	...	...	...	35,323	32,546	35,512	39,470
...	...	...	...	...	...	...	...	...	...	...	...	...	...	14,924	13,747	13,784	14,875
...	...	...	...	...	...	...	...	...	...	...	...	...	...	11,696	12,965	13,978	14,819
...	...	...	...	...	...	...	...	...	...	...	...	...	...	7,632	5,981	6,090	6,606
...	...	...	...	...	...	...	...	...	...	...	...	...	...	8,901	9,114	8,902	8,654
...	...	...	...	...	...	...	...	...	...	...	...	...	...	849	829	1,000	1,199
...	...	...	...	...	...	...	...	...	...	...	...	...	...	-12,376	-10,810	-11,919	-16,175
...	...	...	...	...	...	...	...	...	...	...			12.9%	2.56%	8.19%	14.2%	14.2%
...	...	...	...	...	...	...	...	...	...	...			15.0%	14.8%	20.8%	18.9%	19.3%
...	...	...	...	...	...	...	...	...	...	...			5.69%	4.27%	8.99%	14.3%	9.35%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	17.7%	-6.94%	16.5%	27.6%
...	...	...	...	...	...	...	...	...	...	...			40.9%	35.0%	35.8%	29.5%	31.3%
...	...	...	...	...	...	...	...	...	...	...			-37.9%	8.65%	-65.1%	17.7%	21.7%
...	...	...	...	...	...	...	...	...	...	...			39.3%	35.7%	34.9%	28.7%	33.4%
...	...	...	...	...	...	...	...	...	...	...			-15.8%	-17.4%	-77.0%	-14.0%	28.1%
...	...	...	...	...	...	...	...	...	...	...			8.24%	3.95%	10.6%	-11.4%	22.3%
...	...	...	...	...	...	...	...	...	...	...			18.7%	2.70%	-10.1%	8.17%	13.7%
...	...	...	...	...	...	...	...	...	...	...			66.3%	64.1%	62.4%	62.1%	64.2%
...	...	...	...	...	...	...	...	...	...	...			63.1%	58.6%	58.1%	57.7%	58.8%
...	...	...	...	...	...	...	...	...	...	...			68.5%	71.0%	67.6%	67.3%	70.7%
...	...	...	...	...	...	...	...	...	...	...			51.1%	44.4%	45.2%	48.3%	50.7%
...	...	...	...	...	...	...	...	...	...	...			49.7%	46.6%	45.7%	47.6%	48.5%
...	...	...	...	...	...	...	...	...	...	...			53.0%	41.6%	45.3%	50.1%	56.8%
...	...	...	...	...	...	...	...	...	...	...			50.9%	43.5%	44.9%	44.3%	46.2%
...	...	...	...	...	...	...	...	...	...	...			58.9%	41.4%	39.7%	53.5%	57.5%
...	...	...	...	...	...	...	...	...	...	...			41.3%	43.0%	45.9%	46.6%	47.7%
...	...	...	...	...	...	...	...	...	...	...			66.9%	75.3%	76.4%	66.9%	65.2%
...	...	...	...	...	...	...	...	...	...	...			64,174	69,474	69,917	71,873	75,811
...	...	...	...	...	...	...	...	...	...	...			29,960	34,374	33,864	34,022	35,889
...	...	...	...	...	...	...	...	...	...	...			34,215	35,100	36,053	37,851	39,922
...	...	...	...	...	...	...	...	...	...	...			49,485	53,268	52,556	56,538	62,175
...	...	...	...	...	...	...	...	...	...	...			25,598	26,492	24,534	26,416	29,121
...	...	...	...	...	...	...	...	...	...	...			7,595	8,387	8,906	9,422	10,627
...	...	...	...	...	...	...	...	...	...	...			7,620	9,091	9,666	10,672	11,384
...	...	...	...	...	...	...	...	...	...	...			4,018	4,093	3,928	3,994	4,580
...	...	...	...	...	...	...	...	...	...	...			4,156	4,604	4,966	5,426	5,731
...	...	...	...	...	...	...	...	...	...	...			497	601	556	608	658
...	...	...	...	...	...	...	...	...	...	...			65,738	64,659	66,570	68,852	71,185
...	...	...	...	...	...	...	...	...	...	...			28,052	11,835	12,690	29,526	30,574
...	...	...	...	...	...	...	...	...	...	...			37,687	52,824	53,879	39,326	40,611
...	...	...	...	...	...	...	...	...	...	...			47,834	45,194	43,564	49,405	50,975
...	...	...	...	...	...	...	...	...	...	...			17,891	19,774	19,792	20,303	22,367
...	...	...	...	...	...	...	...	...	...	...			10,682	11,208	9,800	8,481	8,463
...	...	...	...	...	...	...	...	...	...	...			6,598	7,952	8,850	9,671	11,180
...	...	...	...	...	...	...	...	...	...	...			6,185	6,260	5,122	3,498	4,180
...	...	...	...	...	...	...	...	...	...	...			5,909	7,597	7,527	6,732	6,647
...	...	...	...	...	...	...	...	...	...	...			569	974	959	719	832
...	...	...	...	...	...	...	...	...					16,060	15,659	15,550	15,687	16,029
...	...	...	...	...	...	...	...	...	...	...	...	...	...	8,388	8,324	8,456	8,835
...	...	...	...	...	...	...	...	...	...	...	...	...	...	7,271	7,226	7,230	7,194
...	...	...	...	...	...	...	...	...	...	...			29,751	30,011	30,517	30,781	31,004
...	...	...	...	...	...	...	...	...					11,014	10,432	10,504	10,501	10,299
...	...	...	...	...	...	...	...	...					8,289	7,020	7,054	7,065	7,078
...	...	...	...	...	...	...	...	...					4,185	4,206	4,275	4,205	4,232
...	...	...	...	...	...	...	...	...					2,690	2,778	2,766	2,813	2,873
...	...	...	...	...	...	...	...	...					2,629	2,584	2,754	2,851	3,073
...	...	...	...	...	...	...	...	...					944	922	955	1,002	1,005
...	...	...	...	...	...	...	...	...					1,006	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					1,937	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					658	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					623	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					297	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					141	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					150	...	...	...	...	...	...
...	...	...	...	...	...	...	...	...					68.0	...	...	...	...	...	...

Download Data

Comparison of 12 Companies within PX Index

November 18, 2018

This Annual Statistical Dossier offers a comparison of 12 banks from PX Index from 1900 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 12 banks from PX Index from 1900 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 15 Companies within Erste Group

October 29, 2018

This Annual Statistical Dossier offers a comparison of 15 banks from Erste Group from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

This Annual Statistical Dossier offers a comparison of 15 banks from Erste Group from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

The file contains data of following banks:

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 20 Banks in Austria

October 24, 2018

This Annual Statistical Dossier offers a comparison of 20 Austrian banks from 1999 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 20 Austrian banks from 1999 to 2017 on an annual basis. The report can be downloaded as an Excel file.

The file contains data of following banks:

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Erste Group Bank in Numbers

September 23, 2018

This Annual statistical dossier offers a summary of Erste Group Bank's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

This Annual statistical dossier offers a summary of Erste Group Bank's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Erste Group's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Erste Bank in Numbers

November 18, 2013

Erste 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, for example.

This excel file offers a summary of the company's performance on the annual basis in between 1999-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

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Erste Group Bank - Quarterly Cost of Risk

August 23, 2019

Erste Group Bank's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.011% in the second quarter of 2019, up from -0.059% when compared to the previous quarter.

Historically, the bank’s cost of risk reached

Erste Group Bank's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.011% in the second quarter of 2019, up from -0.059% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 1.78% in 3Q2014 and an all time low of -0.095% in 1Q2018. The average cost of risk in the last six quarters amounted to -0.029%.

On the other hand, average asset yield was 2.93% in 2Q2019, up from 2.92% when compared to the same period last year. Cost of funding amounted to 1.12% in 2Q2019, up from 1.03%.

When compared to bank's main peers, Raiffeisen Bank Int. operated in the second quarter of 2019 with a cost of risk of 0.007% OTP Group reached 0.118% and PKO BP some 0.391%.

You can see all the bank’s data at Erste Group Bank Profile, or you can download a report on the bank in the report section.

Who Had the Most Bad Loans Among CEE Savings Banks in 2017?

August 14, 2019

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Zagrebacka Banka had the highest share of bad loans, followed by DSK Bank and Banca Commerciala Romana.

Zagrebacka Banka's non-performing loans reached 11.4% of total loans

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Zagrebacka Banka had the highest share of bad loans, followed by DSK Bank and Banca Commerciala Romana.

Zagrebacka Banka's non-performing loans reached 11.4% of total loans at the end of 2017, down from 14.9% when compared to the previous year. Historically, the NPL ratio hit an all time high of 17.2% in 2014 and an all time low of 4.03% in 2007.

Provision coverage amounted to 11.2% at the end of 2017, down from 13.7% compared to a year earlier.

Comparing Zagrebacka Banka with its closest peers, DSK Bank operated at the end of 2017 with NPL ratio of 11.2% and provision coverage of 92.3%, Banca Commerciala Romana with 9.38% and 80.3% and OTP Group had 9.20% of bad loans covered with 99.3% by provisions at the end of 2017.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Who Had the Most Branches Among CEE Savings Banks in 2017?

August 14, 2019

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank had the most branches, followed by Erste Group Bank and OTP Group.

Sberbank operated a network of 16,342 branches at the end of 2017. That's compared

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank had the most branches, followed by Erste Group Bank and OTP Group.

Sberbank operated a network of 16,342 branches at the end of 2017. That's compared to 19,499 branches some 10 years ago.

Comparing Sberbank with its closest peers, Erste Group Bank operated a network of 2,565 branches in 2017, OTP Group had 1,488 branches and PKO BP had a network of 1,194 branches in 2017.

You can see all the banks branches data on the Branches indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

What Banks in Austria Generated the Most Revenues in 2017?

August 12, 2019

Based on a comparison of 20 banks in Austria in 2017, Erste Group Bank generated the largest revenues, followed by Raiffeisen Bank International and Erste Bank Austria.

Erste Group Bank reported total revenues of EUR 6,669 mil,

Based on a comparison of 20 banks in Austria in 2017, Erste Group Bank generated the largest revenues, followed by Raiffeisen Bank International and Erste Bank Austria.

Erste Group Bank reported total revenues of EUR 6,669 mil, down 0.581% 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 7,604 mil in 2010 and an all time low of EUR 1,172 mil in 1999. The average revenue in the last five years amounted to EUR 6,828 mil.

Bank's total revenues accounted for 3.02% of total assets in 2017, down from 3.22% a year earlier.

Comparing Erste Group Bank with its closest peers, Raiffeisen Bank International generated total revenues of EUR 5,098 mil, or 3.77% of assets in 2017, Erste Bank Austria operated with EUR 3,255 mil total income, or 2.26% revenue margin and Bank Austria Group produced total income worth EUR 1,787 mil, or 1.75% of assets.

Austrian banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to the previous year. As a result, the top ranked company - Erste Group Bank accounted for 34.2% of the sector’s total income in 2017. The top 3 companies held a 77.0% share while the five largest firms some 93.8% in 2017.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Austrian banks in the report section.

See all charts of the company »

Erste Group's npls (as % of loans) fell 6.54% to 2.82% in 2Q2019

Erste Group's net interest margin fell 1.67% to 1.90% in 2Q2019

Erste Group's capital adequacy ratio rose 1.04% to 18.4% in 2Q2019

Erste Group's net profit fell 5.85% to EUR 355 mil in 2Q2019

Erste Group's share price (end of period) fell 1.19% to EUR 34.0 in 2Q2019

Erste Group's provisions (as % of loans) fell 5.29% to 2.25% in 2Q2019

Erste Group's Cost of Risk rose 80.6% to -0.011% in 2Q2019

Erste Group's cost to income from core austria fell 12.5% to 58.1% in 2Q2019

Erste Group's net interest income rose 0.681% to EUR 1,169 mil in 2Q2019

Erste Group's RWA from core austria rose 1.85% to EUR 28,592 mil in 2Q2019

Erste Group's revenues from core austria rose 5.81% to EUR 449 mil in 2Q2019