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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 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 13 banks among Erste Bank Group in 2017, Erste & Steiermarkische Bank had the highest share of bad loans, followed by Banca Commerciala Romana and Erste Bank Hungary.

Erste & Steiermarkische Bank's non-performing

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Based on a comparison of 13 banks among Erste Bank Group in 2017, Erste & Steiermarkische Bank had the highest share of bad loans, followed by Banca Commerciala Romana and Erste Bank Hungary.

Erste & Steiermarkische Bank's non-performing loans reached 12.6% of total loans at the end of 2017, up from 11.5% when compared to the previous year. Historically, the NPL ratio hit an all time high of 18.6% in 2014 and an all time low of 3.92% in 2007.

Provision coverage amounted to 9.38% at the end of 2017, down from 12.8% compared to a year earlier.

Comparing Erste & Steiermarkische Bank with its closest peers, Banca Commerciala Romana operated at the end of 2017 with NPL ratio of 9.38% and provision coverage of 80.3%, Erste Bank Hungary with 5.48% and 90.0% and Steiermarkische Sparkasse had 4.29% of bad loans covered with 59.2% 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 Erste Bank Group banks in the reports section.

Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest revenues, followed by Erste Bank Austria and Erste Savings Banks.

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

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Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest revenues, followed by Erste Bank Austria and Erste Savings Banks.

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, Erste Bank Austria generated total revenues of EUR 3,255 mil, or 2.26% of assets in 2017, Erste Savings Banks operated with EUR 1,493 mil total income, or 2.48% revenue margin and Ceska Sporitelna produced total income worth EUR 1,414 mil, or 2.80% of assets.

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

Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank was the largest deposit taker, followed by Erste Bank Austria and Erste Savings Banks.

Erste Group Bank's customer deposits reached EUR 150,921 mil,

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Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank was the largest deposit taker, followed by Erste Bank Austria and Erste Savings Banks.

Erste Group Bank's customer deposits reached EUR 150,921 mil, up from EUR 137,939 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 150,921 mil in 2017 and an all time low of EUR 19,533 mil in 1999.

Comparing Erste Group Bank with its closest peers, Erste Bank Austria's deposits amounted to EUR 80,811 mil at the end of 2017, Erste Savings Banks operated with EUR 42,561 mil of customer deposits and Erste Bank Core Austria had clients' deposits of EUR 38,250 mil at the end of 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the Erste Bank Group banks in the reports section.

Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest fee income, followed by Erste Bank Austria and Erste Savings Banks.

Erste Group Bank reported total fee income of EUR 1,852 mil,

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Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest fee income, followed by Erste Bank Austria and Erste Savings Banks.

Erste Group Bank reported total fee income of EUR 1,852 mil, up 3.85% compared to the previous year. Historically, the bank’s fee income reached an all time high of EUR 1,971 mil in 2008 and an all time low of EUR 322 mil in 1999.

Comparing Erste Group Bank with its closest peers, Erste Bank Austria generated total fee income of EUR 1,017 mil, Erste Savings Banks operated with EUR 446 mil fee income and Erste Bank Core Austria produced total fees worth EUR 354 mil.

You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the Erste Bank Group banks in the reports 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 interest margin rose 2.30% to 3.15% in 2017
Erste & Steier. Bank's customer loans fell 0.822% to HRK 43,297 mil in 2017
Erste & Steier. Bank's net interest income rose 0.534% to HRK 2,071 mil in 2017
Erste & Steier. Bank's corporate loans rose 7.13% to HRK 18,319 mil in 2017
Erste & Steier. Bank's customer loan growth rose 84.8% to -0.822% in 2017