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Erste & Steiermarkische Bank

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Erste & Steiermarkische Bank

Erste & Steiermärkische Bank d.d. is a Croatia-based subsidiary of Austria's Erste Bank. Following the acquisition of Rijecka Banka in 2002, Erste Bank has become the third largest bank in Croatia by assets with nearly a 17% share. 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

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Erste & Steiermärkische Bank d.d. is a Croatia-based subsidiary of Austria's Erste Bank. Following the acquisition of Rijecka Banka in 2002, Erste Bank has become the third largest bank in Croatia by assets with nearly a 17% share. 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.

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summary Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                        2,132 2,103 2,010 2,120 2,148    
                        2,872 2,770 2,725 3,180 3,136    
                        1,628 1,708 1,470 1,689 1,703    
                        739 585 184 377 -816    

balance sheet

                        1,524 2,865 6,546 6,194 5,441    
                        44,677 45,348 47,391 46,711 46,159    
                        7,683 8,063 7,541 9,225 8,489    
                        63,045 65,891 67,854 69,761 68,231    
                        6,619 7,309 7,370 7,941 7,111    
                        22,285 22,906 20,988 21,227 16,174    
                        31,812 32,190 37,214 38,027 41,445    
                        956 1,240 1,020 1,027 931    

ratios

                        11.6% 8.40% 2.51% 4.92% -10.8%    
                        1.28% 0.907% 0.275% 0.548% -1.18%    
                        2.16% 1.65% 1.88% 2.17% 2.08%    
                        43.3% 38.3% 46.1% 46.9% 45.7%    
... ... ... ... ... ... ...           14.0% 15.7% 15.2% 16.0% 16.6%    
                        3.69% 3.26% 3.01% 3.08% 3.11%    
                        74.2% 75.9% 73.8% 66.7% 68.5%    
                        20.7% 18.8% 20.2% 19.2% 20.6%    
                        45.7% 51.1% 39.6% 37.6% 40.9%    
                        10.5% 11.1% 10.9% 11.4% 10.4%    
                        140% 141% 127% 123% 111%    
                        70.9% 68.8% 69.8% 67.0% 67.7%    
... ... ... ... ... ... ...           11.5% 16.4% 17.4% 18.6% 15.7%    
... ... ... ... ... ... ...           64.3% 56.3% 53.2% 59.6% 60.6%    

Download Data
income statement Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income HRK mil
Interest Cost HRK mil
Net Interest Income HRK mil
Net Fee Income HRK mil
Other Income HRK mil
Total Revenues HRK mil
Staff Cost HRK mil
Depreciation HRK mil
Other Cost HRK mil
Operating Cost HRK mil
Operating Profit HRK mil
Provisions HRK mil
Extra and Other Cost HRK mil
Pre-Tax Profit HRK mil
Tax HRK mil
Minorities HRK mil
Net Profit HRK mil
                        3,815 4,100 3,597 3,439 3,257    
                        1,683 1,997 1,587 1,319 1,117    
                        2,132 2,103 2,010 2,120 2,148    
                        594 521 551 610 646    
                        146 146 164 450 342    
                        2,872 2,770 2,725 3,180 3,136    
                        568 543 497 560 586    
                        128 72.0 112 296 249    
                        548 447 646 635 598    
                        1,244 1,062 1,255 1,491 1,433    
                        1,628 1,708 1,470 1,689 1,703    
                        757 890 1,206 1,185 1,274    
                        -50.0 75.0 1.00 0.000 1,362    
                        921 743 263 504 -933    
                        176 147 62.0 92.0 -164    
                        6.00 11.0 17.0 35.0 47.0    
                        739 585 184 377 -816    

growth rates

...                       23.0% -1.36% -4.42% 5.47% 1.32%    
...                       41.8% -12.3% 5.76% 10.7% 5.90%    
...                       26.5% -3.55% -1.62% 16.7% -1.38%    
...                       33.6% -14.6% 18.2% 18.8% -3.89%    
...                       21.5% 4.91% -13.9% 14.9% 0.829%    
...                       14.1% -19.3% -64.6% 91.6% -285%    
...                       13.3% -20.8% -68.5% 105% -316%    

market share

                        17.9% 18.7% 18.9% 22.0% 21.6%    
                        19.5% 21.5% 38.8% 27.3% ...    
... ... ... ... ... ... ...           11.6% 12.1% 11.8% 12.8% 13.4%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  

Download Data
balance sheet Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                        7,230 7,757 4,297 4,674 5,299    
                        1,524 2,865 6,546 6,194 5,441    
                        44,677 45,348 47,391 46,711 46,159    
                        20,930 21,140 21,164 21,314 21,199    
                        21,032 21,591 21,683 19,737 18,050    
                        7,683 8,063 7,541 9,225 8,489    
                        1,521 1,444 1,410 2,043 429    
                        63,045 65,891 67,854 69,761 68,231    
                        6,619 7,309 7,370 7,941 7,111    
                        29.0 38.0 51.0 162 201    
                        56,426 58,582 60,484 61,820 61,120    
                        22,285 22,906 20,988 21,227 16,174    
                        31,812 32,190 37,214 38,027 41,445    
                        23,164 24,201 26,035 26,901 27,088    
                        8,182 7,285 10,600 10,584 14,357    
                        956 1,240 1,020 1,027 931    
                        1,373 2,246 1,262 1,539 2,570    

asset quality

... ... ... ... ... ... ...           5,541 8,201 9,112 9,793 7,990    
                        48,241 49,962 52,238 52,545 51,003    
                        3,564 4,614 4,847 5,834 4,844    

growth rates

...                       22.7% 1.50% 4.51% -1.43% -1.18%    
...                       15.4% 1.00% 0.114% 0.709% -0.540%    
...                       24.3% 2.66% 0.426% -8.97% -8.55%    
...                       20.4% 4.51% 2.98% 2.81% -2.19%    
...                       7.29% 10.4% 0.835% 7.75% -10.5%    
...                       2.16% 1.19% 15.6% 2.18% 8.99%    
...                       -5.49% 4.48% 7.58% 3.33% 0.695%    
...                       -22.2% -11.0% 45.5% -0.151% 35.6%    

market share

                        17.7% 19.2% 20.2% 20.3% 20.7%    
                        18.8% 22.4% 22.7% 21.4% 20.7%    
                        16.3% 16.7% 17.1% 17.4% 17.6%    
                        15.1% 16.1% 16.3% 16.6% 16.4%    
                        14.4% 14.2% 15.7% 15.6% 16.1%    
                        13.6% 13.6% 14.5% 14.7% 14.4%    
... ... ... ... ...               17.0% 16.2% 25.0% 24.2% 27.0%    

Download Data
ratios Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                        11.6% 8.40% 2.51% 4.92% -10.8%    
                        1.28% 0.907% 0.275% 0.548% -1.18%    
                        2.16% 1.65% 1.88% 2.17% 2.08%    
                        43.3% 38.3% 46.1% 46.9% 45.7%    
... ... ... ... ... ... ...           14.0% 15.7% 15.2% 16.0% 16.6%    
... ... ... ... ... ... ...           12.1% 14.3% 15.1% 14.0% 13.4%    
                        3.69% 3.26% 3.01% 3.08% 3.11%    
...                       3.33% 2.89% 2.71% 2.84% 2.90%    
                        6.61% 6.36% 5.38% 5.00% 4.72%    
...                       3.28% 3.47% 2.67% 2.16% 1.82%    
                        74.2% 75.9% 73.8% 66.7% 68.5%    
                        20.7% 18.8% 20.2% 19.2% 20.6%    
                        5.08% 5.27% 6.02% 14.2% 10.9%    
... ... ... ... ... ... ...           3,489 2,957 2,831 2,900 2,624    
... ... ... ... ... ... ...           18,665 17,304 16,159 17,195 17,484    
                        45.7% 51.1% 39.6% 37.6% 40.9%    
                        10.5% 11.1% 10.9% 11.4% 10.4%    
                        140% 141% 127% 123% 111%    
                        70.9% 68.8% 69.8% 67.0% 67.7%    
... ... ... ... ... ... ...           11.5% 16.4% 17.4% 18.6% 15.7%    
... ... ... ... ... ... ...           64.3% 56.3% 53.2% 59.6% 60.6%    
                        7.98% 10.2% 10.2% 12.5% 10.5%    
                        1.87% 1.98% 2.60% 2.52% 2.74%    

Download Data
other data Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ...           2,536 2,615 2,563 2,714 2,793    
... ... ... ... ... ... ... ... ... ... ... ... 567 619 ... ... ...    
... ... ... ... ... ... ... ... ... ... ... ... 723 744 ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  

Download Data
Comparison of 15 Companies within Erste Group

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

Read more »

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 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 27 Banks in Croatia

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 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

Read more »

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 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.

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 & Steiermarkische Bank in Numbers

This Annual statistical dossier offers a summary of Erste & Steiermarkische 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

Read more »

This Annual statistical dossier offers a summary of Erste & Steiermarkische 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 & Steier. Bank'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 & Steiermärkische Bank at a Glance

Erste & Steiermärkische Bank d.d. is a Croatia-based subsidiary of Austria's Erste Bank. Following the acquisition of Rijecka Banka in 2002, Erste Bank has become the third largest bank in Croatia by assets with nearly a 17% share. Erste Bank is the second largest commercial bank in Austria. The Group was founded in 1819 as the first Austrian savings

Read more »

Erste & Steiermärkische Bank d.d. is a Croatia-based subsidiary of Austria's Erste Bank. Following the acquisition of Rijecka Banka in 2002, Erste Bank has become the third largest bank in Croatia by assets with nearly a 17% share. 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..

This report offers a summary of the bank's performance in 1999-2013. 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.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Croatia

Erste & Steiermärkische Bank in Numbers

Erste & Steiermärkische Bank d.d. is a Croatia-based subsidiary of Austria's Erste Bank. Following the acquisition of Rijecka Banka in 2002, Erste Bank has become the third largest bank in Croatia by assets with nearly a 17% share. Erste Bank is the second largest commercial bank in Austria. The Group was founded in 1819 as the first Austrian savings

Read more »

Erste & Steiermärkische Bank d.d. is a Croatia-based subsidiary of Austria's Erste Bank. Following the acquisition of Rijecka Banka in 2002, Erste Bank has become the third largest bank in Croatia by assets with nearly a 17% share. 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..

This excel file offers a summary of the bank's performance in 1999-2013. 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.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Croatia

Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to

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Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to the previous year. Historically, the bank’s loans reached an all time high of 84,340 in 2015 and an all time low of 14,598 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb customer loans amounted to 65,177, Erste & Steiermarkische Bank operated with 43,656 loans and Raiffeisenbank Croatia had a loan portfolio of 18,504.

Croatian banking sector provided total customer loans of CZK 215 bil in 2016, down 3.47% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 37.6% of the sector’s loans in 2016. The top 3 companies held a 88.3% share while the five largest firms some 104% in 2016.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 6,686 persons in 2010 and an all time low of 5,424 in 2017.

Average cost reached HRK 17,315 per month per month per employee, 3.23% more than a year ago. This figure was HRK 13,990 per month some 10 years ago.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb had 4,922 employees with average cost of HRK 18,658 per month per person, Erste & Steiermarkische Bank operated with 3,170 people (and HRK 17,561 per month per employee) and Raiffeisenbank Croatia had 2,261 employees in 2017 with cost HRK 2,261 per month per head.

Croatian banking sector employed 20,434 people in 2017. The average staff cost per employee reached HRK 15,871 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka was the largest bank by assets, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka assets reached 126,893, down 1.12% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka was the largest bank by assets, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka assets reached 126,893, down 1.12% when compared to the last year. Historically, the bank’s assets reached an all time high of 128,328 in 2016 and an all time low of 37,196 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb assets amounted to 102,912, Erste & Steiermarkische Bank operated with 65,925 assets and Raiffeisenbank Croatia had total assets of 34,178.

Total assets of the Croatian banking sector amounted to HRK 401 bil in 2017, up 0.706% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 31.6% of the sector’s assets in 2017. The top 3 companies held a 73.7% share while the five largest firms some 88.9% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia, Zagrebacka Banka produced the highest net profit in 2016, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka made a net profit of 1,686, up

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Based on a comparison of 15 banks in Croatia, Zagrebacka Banka produced the highest net profit in 2016, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka made a net profit of 1,686, up 1,224% compared to the previous year. Historically, the bank’s net profit reached an all time high of 1,686 in 2016 and an all time low of -150 in 2015. The average profit in the last five years amounted to 886.

The bank generated an average return on equity of 4.92% for its shareholders in the last five years with a maximum of 9.44% and a minimum of -0.836%.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb generated a net profit of 1,660 with a ROE of 10.3% in 2016, Erste & Steiermarkische Bank netted 875 (ROE of 11.6%) and Raiffeisenbank Croatia announced a net profit of 535 giving a ROE of 11.5%.

The net profit of the Croatia’s banking sector amounted to 5,099 in 2016, up 212% compared to the previous year. Heading up the rankings, Zagrebacka Banka accounted for 33.1% of the sector’s net profit in 2016. The top 3 companies held a 82.8% share while the five largest firms some 100% in 2016.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Croatian banks in the report section.

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Erste & Steier. Bank's capital adequacy ratio rose 4.96% to 20.1% in 2017
Erste & Steier. Bank's total revenues rose 0.319% to HRK 3,143 mil in 2017
Erste & Steier. Bank's customer deposits rose 2.43% to HRK 44,374 mil in 2017
Erste & Steier. Bank's corporate deposits rose 5.68% to HRK 16,513 mil in 2017
Erste & Steier. Bank's retail deposits rose 0.592% to HRK 27,861 mil in 2017
Erste & Steier. Bank's net profit fell 39.0% to HRK 534 mil in 2017
Erste & Steier. Bank's npls (as % of loans) rose 9.08% to 12.6% in 2017
Erste & Steier. Bank's net profit fell 39.0% to HRK 534 mil in 2017
Erste & Steier. Bank's customer loans fell 0.822% to HRK 43,297 mil in 2017
Erste & Steier. Bank's net interest margin rose 2.30% to 3.15% in 2017