By Helgi Library - June 9, 2018
Erste Savings Banks's non-performing loans reached 4.17% of total loans at the end of 2017, down from 4.88% compared to the previ...
By Helgi Library - June 9, 2018
Erste Savings Banks made a net profit of EUR 51.9 mil in 2017, up 52.4% compared to the previous year. This implies a return on ...
By Helgi Library - September 23, 2018
Erste Savings Banks's customer deposits reached EUR 42,561 mil in 2017, up 6.61% compared to the previous year. Austrian bankin...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 930 | 956 | 982 |
| Net Fee Income | EUR mil | 439 | 430 | 446 |
| Other Income | EUR mil | 66.3 | 60.5 | 64.7 |
| Total Revenues | EUR mil | 1,435 | 1,446 | 1,493 |
| Operating Profit | EUR mil | 469 | 424 | 442 |
| Provisions | EUR mil | 83.6 | 54.2 | -12.6 |
| Net Profit | EUR mil | 41.6 | 34.1 | 51.9 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Customer Loans | EUR mil | 38,045 | 39,461 | 41,096 |
| Total Assets | EUR mil | 57,953 | 58,357 | 60,108 |
| Shareholders' Equity | EUR mil | 2,090 | 2,193 | 2,231 |
| Customer Deposits | EUR mil | 37,851 | 39,922 | 42,561 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 2.09 | 1.59 | 2.35 |
| ROA | % | 0.073 | 0.059 | 0.088 |
| Costs (As % Of Assets) | % | 1.69 | 1.76 | 1.77 |
| Costs (As % Of Income) | % | 67.3 | 70.7 | 70.4 |
| Net Interest Margin | % | 1.62 | 1.64 | 1.66 |
| Loans (As % Of Deposits) | % | 101 | 98.8 | 96.6 |
| NPLs (As % Of Loans) | % | 5.64 | 4.88 | 4.17 |
| Provisions (As % Of NPLs) | % | 57.7 | 58.1 | 58.3 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 4.09 | 0.741 | 3.24 |
| Operating Cost Growth | % | 3.64 | 5.77 | 2.88 |
| Operating Profit Growth | % | 5.02 | -9.61 | 4.12 |
| Net Profit Growth | % | 126 | -18.2 | 52.4 |
| Customer Loan Growth | % | 0.119 | 3.72 | 4.14 |
| Total Asset Growth | % | 2.20 | 0.697 | 3.00 |
| Customer Deposit Growth | % | 4.42 | 5.47 | 6.61 |
| Shareholders' Equity Growth | % | 10.4 | 4.94 | 1.69 |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | EUR mil | 1,016 | 940 | 815 | 892 | 930 | ||||||
| Total Revenues | EUR mil | 1,418 | 1,358 | 1,305 | 1,379 | 1,435 | ||||||
| Operating Profit | EUR mil | 487 | 426 | 378 | 447 | 469 | ||||||
| Net Profit | EUR mil | 6.00 | 21.5 | 22.4 | 18.4 | 41.6 | ||||||
| balance sheet | ||||||||||||
| Customer Loans | EUR mil | 37,604 | 37,687 | 38,000 | 38,000 | 38,045 | ||||||
| Total Assets | EUR mil | 55,300 | 55,422 | 56,205 | 56,704 | 57,953 | ||||||
| Shareholders' Equity | EUR mil | 304 | 370 | 2,014 | 1,893 | 2,090 | ||||||
| Customer Deposits | EUR mil | 33,555 | 34,215 | 35,500 | 36,250 | 37,851 | ||||||
| ratios | ||||||||||||
| ROE | % | 2.02 | 6.38 | 1.88 | 0.941 | 2.09 | ||||||
| ROA | % | 0.011 | 0.039 | 0.040 | 0.033 | 0.073 | ||||||
| Costs (As % Of Assets) | % | 1.69 | 1.68 | 1.66 | 1.65 | 1.69 | ||||||
| Costs (As % Of Income) | % | 65.6 | 68.7 | 71.0 | 67.6 | 67.3 | ||||||
| Net Interest Margin | % | 1.84 | 1.70 | 1.46 | 1.58 | 1.62 | ||||||
| Interest Income (As % Of Revenues) | % | 71.6 | 69.2 | 62.5 | 64.7 | 64.8 | ||||||
| Fee Income (As % Of Revenues) | % | 27.5 | 29.3 | 30.4 | 30.4 | 30.6 | ||||||
| Equity (As % Of Assets) | % | 0.551 | 0.667 | 3.58 | 3.34 | 3.61 | ||||||
| Loans (As % Of Deposits) | % | 112 | 110 | 107 | 105 | 101 | ||||||
| Loans (As % Assets) | % | 68.0 | 68.0 | 67.6 | 67.0 | 65.6 | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 6.93 | 6.86 | 6.78 | 6.33 | 5.64 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | 59.7 | 60.2 | 60.3 | 64.0 | 57.7 | ||||
| valuation | ||||||||||||
| Book Value Per Share Growth | % | ... | 7.88 | -7.44 | -13.3 | 9.46 | 4.25 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | EUR mil | 1,016 | 940 | 815 | 892 | 930 | ||||||
| Net Fee Income | EUR mil | 390 | 398 | 396 | 419 | 439 | ||||||
| Other Income | EUR mil | 12.2 | 19.9 | 93.4 | 67.8 | 66.3 | ||||||
| Total Revenues | EUR mil | 1,418 | 1,358 | 1,305 | 1,379 | 1,435 | ||||||
| Operating Cost | EUR mil | 931 | 932 | 926 | 932 | 966 | ||||||
| Operating Profit | EUR mil | 487 | 426 | 378 | 447 | 469 | ||||||
| Provisions | EUR mil | 250 | 226 | 229 | 199 | 83.6 | ||||||
| Extra and Other Cost | EUR mil | 82.0 | -2.50 | 3.71 | 15.4 | -6.30 | ||||||
| Pre-Tax Profit | EUR mil | 155 | 202 | 145 | 232 | 392 | ||||||
| Tax | EUR mil | 40.1 | 61.5 | 53.9 | 54.7 | 90.2 | ||||||
| Minorities | EUR mil | 109 | 119 | 68.7 | 159 | 260 | ||||||
| Net Profit | EUR mil | 6.00 | 21.5 | 22.4 | 18.4 | 41.6 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | 7.88 | -7.44 | -13.3 | 9.46 | 4.25 | |||||
| Net Fee Income Growth | % | ... | -7.44 | 2.00 | -0.401 | 5.78 | 4.76 | |||||
| Total Revenue Growth | % | ... | 2.00 | -4.24 | -3.93 | 5.71 | 4.09 | |||||
| Operating Cost Growth | % | ... | -0.004 | 0.140 | -0.612 | 0.605 | 3.64 | |||||
| Operating Profit Growth | % | ... | 60.6 | -12.6 | -11.2 | 18.2 | 5.02 | |||||
| Pre-Tax Profit Growth | % | ... | 17.6 | 30.8 | -28.3 | 59.9 | 69.0 | |||||
| Net Profit Growth | % | ... | -216 | 258 | 4.26 | -18.0 | 126 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 7.37 | 7.10 | 6.89 | 6.91 | 6.90 | ||||||
| Market Share in Net Profit | % | 0.502 | 0.669 | -2.40 | -0.275 | 1.12 |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||
| Customer Loans | EUR mil | 37,604 | 37,687 | 38,000 | 38,000 | 38,045 | ||||||
| Total Assets | EUR mil | 55,300 | 55,422 | 56,205 | 56,704 | 57,953 | ||||||
| Shareholders' Equity | EUR mil | 304 | 370 | 2,014 | 1,893 | 2,090 | ||||||
| Liabilities | EUR mil | 54,996 | 55,052 | 54,191 | 54,811 | 55,863 | ||||||
| Customer Deposits | EUR mil | 33,555 | 34,215 | 35,500 | 36,250 | 37,851 | ||||||
| asset quality | ||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | 2,607 | 2,585 | 2,571 | 2,441 | 2,219 | ||||
| Gross Loans | EUR mil | ... | ... | 37,604 | 37,687 | 37,915 | 38,568 | 39,326 | ||||
| Total Provisions | EUR mil | ... | ... | 1,557 | 1,556 | 1,551 | 1,561 | 1,281 | ||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | 0.901 | 0.220 | 0.832 | 0 | 0.119 | |||||
| Total Asset Growth | % | ... | 0.901 | 0.220 | 1.41 | 0.888 | 2.20 | |||||
| Shareholders' Equity Growth | % | ... | 4.69 | 21.5 | 445 | -6.01 | 10.4 | |||||
| Customer Deposit Growth | % | ... | 1.38 | 1.97 | 3.76 | 2.11 | 4.42 | |||||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 8.42 | 8.55 | 8.77 | 8.92 | 8.84 | ||||||
| Market Share in Total Assets | % | 5.45 | 5.64 | 6.06 | 6.33 | 6.75 | ||||||
| Market Share in Customer Deposits | % | 9.63 | 9.67 | 9.79 | 9.69 | 9.82 |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||
| ROE | % | 2.02 | 6.38 | 1.88 | 0.941 | 2.09 | ||||||
| ROA | % | 0.011 | 0.039 | 0.040 | 0.033 | 0.073 | ||||||
| Costs (As % Of Assets) | % | 1.69 | 1.68 | 1.66 | 1.65 | 1.69 | ||||||
| Costs (As % Of Income) | % | 65.6 | 68.7 | 71.0 | 67.6 | 67.3 | ||||||
| Net Interest Margin | % | 1.84 | 1.70 | 1.46 | 1.58 | 1.62 | ||||||
| Asset Yield | % | ... | 1.84 | 1.70 | 1.46 | 1.58 | 1.62 | |||||
| Interest Income (As % Of Revenues) | % | 71.6 | 69.2 | 62.5 | 64.7 | 64.8 | ||||||
| Fee Income (As % Of Revenues) | % | 27.5 | 29.3 | 30.4 | 30.4 | 30.6 | ||||||
| Other Income (As % Of Revenues) | % | 0.860 | 1.47 | 7.16 | 4.92 | 4.62 | ||||||
| Equity (As % Of Assets) | % | 0.551 | 0.667 | 3.58 | 3.34 | 3.61 | ||||||
| Loans (As % Of Deposits) | % | 112 | 110 | 107 | 105 | 101 | ||||||
| Loans (As % Assets) | % | 68.0 | 68.0 | 67.6 | 67.0 | 65.6 | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 6.93 | 6.86 | 6.78 | 6.33 | 5.64 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | 59.7 | 60.2 | 60.3 | 64.0 | 57.7 | ||||
| Provisions (As % Of Loans) | % | ... | ... | 4.14 | 4.13 | 4.08 | 4.11 | 3.37 | ||||
| Cost of Provisions (As % Of Loans) | % | 0.669 | 0.600 | 0.606 | 0.525 | 0.220 |
| other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||
| Risk-Weighted Assets | EUR mil | 24,451 | 23,444 | 22,464 | 22,511 | 21,955 |
Get all company financials in excel:
By Helgi Library - September 23, 2018
Erste Savings Banks generated total banking revenues of EUR 1,493 mil in 2017, up 3.24% 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. ...
By Helgi Library - September 23, 2018
Erste Savings Banks's customer loans reached EUR 41,096 mil in 2017, up 4.14% compared to the previous year. Austrian banking sector provided customer loans of EUR 435 bil in 2017, down 0% when compared to the last year. Erste Savings Banks accounted for ...
By Helgi Library - June 9, 2018
Erste Savings Banks generated total banking revenues of EUR 1,493 mil in 2017, up 3.24% 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 1,493 mil in 2017 ...
By Helgi Library - June 9, 2018
Erste Savings Banks's customer loan growth reached 4.14% in 2017, up from 3.72% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 15.5% in 2008 and an all time low of -0.927% in 2009. In the last decade, the ...
Erste Savings Banks has been growing its revenues and asset by 1.91% and 1.64% a year on average in the last 5 years. Its loans and deposits have grown by 1.75% and 4.46% a year during that time and loans to deposits ratio reached 96.6% at the end of 2017. The company achieved an average return on equity of 1.77% in the last five years with net profit growing 19.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 70.4% in 2017, compared to 69.4% average in the last five years.
Equity represented 3.71% of total assets or 5.43% of loans at the end of 2017. Erste Savings Banks's non-performing loans were 4.17% of total loans while provisions covered some 58.3% of NPLs at the end of 2017.
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