Erste Savings Banks

Erste Savings Banks's npls (as % of loans) fell 14.4% to 4.17% in 2017

By Helgi Analytics - 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...

Erste Savings Banks's net profit rose 52.4% to EUR 51.9 mil in 2017

By Helgi Analytics - 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 ...

Erste Savings Banks's customer deposits rose 6.61% to EUR 42,561 mil in 2017

By Helgi Analytics - 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
Fee Income (As % Of Revenues) % 30.6 29.7 29.9
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

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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    
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    
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    

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Erste Savings Banks's total revenues rose 3.24% to EUR 1,493 mil in 2017

By Helgi Analytics - 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. ...

Erste Savings Banks's customer loans rose 4.14% to EUR 41,096 mil in 2017

By Helgi Analytics - 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 ...

Erste Savings Banks's net interest income rose 2.74% to EUR 982 mil in 2017

By Helgi Analytics - 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 ...

Erste Savings Banks's customer loan growth rose 11.3% to 4.14% in 2017

By Helgi Analytics - 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 ...

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Finance

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.