Eurobank Poland

Eurobank's mortgage loans fell 1.68% to PLN 6,290 mil in 2017

By Helgi Analytics - November 29, 2018

Eurobank Poland's mortgage loans reached PLN 6,290 mil in 2017, down 1.68% compared to the previous year. Polish banking sector...

Eurobank's net profit fell 27.6% to PLN 103 mil in 2017

By Helgi Analytics - May 16, 2018

Eurobank Poland made a net profit of PLN 103 mil in 2017, down 27.6% compared to the previous year. This implies a return on equ...

Eurobank's customer deposits fell 0.480% to PLN 6,817 mil in 2017

By Helgi Analytics - May 22, 2018

Eurobank Poland's customer deposits reached PLN 6,817 mil in 2017, down 0.480% compared to the previous year. Polish banking se...

Profit Statement 2015 2016 2017
Net Interest Income PLN mil 576 640 662
Fee Income (As % Of Revenues) % 9.97 8.35 7.06
Other Income PLN mil 2.30 39.6 4.40
Total Revenues PLN mil 642 741 717
Staff Cost PLN mil ... ... ...
Operating Profit PLN mil 176 248 232
Provisions PLN mil 73.0 127 122
Net Profit PLN mil 134 142 103
Balance Sheet 2015 2016 2017
Interbank Loans PLN mil ... ... ...
Customer Loans PLN mil 10,540 11,398 11,731
Debt Securities PLN mil ... ... ...
Total Assets PLN mil 12,290 13,709 13,798
Shareholders' Equity PLN mil 1,405 1,470 1,645
Interbank Borrowing PLN mil ... ... ...
Customer Deposits PLN mil 5,570 6,850 6,817
Issued Debt Securities PLN mil ... ... ...
Ratios 2015 2016 2017
ROE % 10.3 9.88 6.60
ROA % 1.12 1.09 0.747
Costs (As % Of Assets) % 3.90 3.80 3.53
Costs (As % Of Income) % 72.6 66.6 67.6
Capital Adequacy Ratio % 15.1 15.2 16.0
Net Interest Margin % 4.82 4.92 4.81
Loans (As % Of Deposits) % 189 166 172
NPLs (As % Of Loans) % ... ... ...
Provisions (As % Of NPLs) % ... ... ...
Growth Rates 2015 2016 2017
Total Revenue Growth % -20.5 15.4 -3.22
Operating Cost Growth % 11.4 5.92 -1.72
Operating Profit Growth % -54.8 40.6 -6.22
Net Profit Growth % -42.9 5.97 -27.6
Customer Loan Growth % 12.2 8.14 2.93
Total Asset Growth % 5.89 11.5 0.649
Customer Deposit Growth % 0.153 23.0 -0.480
Shareholders' Equity Growth % 17.9 4.59 11.9
Employees 3,000 2,900 2,884

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summary Unit 2011 2012 2013 2014 2015 2016 2017
income statement              
Net Interest Income PLN mil ... ... 672 617 576    
Total Revenues PLN mil ... ... 797 808 642    
Operating Profit PLN mil ... ... 397 390 176    
Net Profit PLN mil 72.0 138 173 235 134    
balance sheet              
Interbank Loans PLN mil ... ... 934 273 ... ... ...
Customer Loans PLN mil ... ... 8,573 9,396 10,540    
Debt Securities PLN mil ... ... 1,100 1,280 ... ... ...
Total Assets PLN mil ... ... 11,237 11,607 12,290    
Shareholders' Equity PLN mil ... ... 950 1,192 1,405    
Interbank Borrowing PLN mil ... ... 4,281 4,301 ... ... ...
Customer Deposits PLN mil ... ... 5,579 5,561 5,570    
Issued Debt Securities PLN mil ... ... 181 331 ... ... ...
ratios              
ROE % ... ... 18.3 21.9 10.3    
ROA % ... ... 1.54 2.06 1.12    
Costs (As % Of Assets) % ... ... 3.56 3.66 3.90    
Costs (As % Of Income) % ... ... 50.2 51.8 72.6    
Capital Adequacy Ratio % ... ... 11.6 11.0 15.1    
Net Interest Margin % ... ... 5.98 5.40 4.82    
Interest Income (As % Of Revenues) % ... ... 84.3 76.4 89.7    
Fee Income (As % Of Revenues) % ... ... 6.86 6.67 9.97    
Staff Cost (As % Of Total Cost) % ... ... 43.4 43.3 ... ... ...
Equity (As % Of Assets) % ... ... 8.45 10.3 11.4    
Loans (As % Of Deposits) % ... ... 154 169 189    
Loans (As % Assets) % ... ... 76.3 81.0 85.8    
NPLs (As % Of Loans) % ... ... 10.7 10.00 ... ... ...
Provisions (As % Of NPLs) % ... ... 74.6 74.1 ... ... ...
income statement Unit 2011 2012 2013 2014 2015 2016 2017
income statement              
Interest Income PLN mil ... ... 1,036 914 795    
Interest Cost PLN mil ... ... 363 297 219    
Net Interest Income PLN mil ... ... 672 617 576    
Net Fee Income PLN mil ... ... 54.7 53.9 64.0    
Other Income PLN mil ... ... 70.2 137 2.30    
Total Revenues PLN mil ... ... 797 808 642    
Staff Cost PLN mil ... ... 174 181 ... ... ...
Depreciation PLN mil ... ... 28.4 26.9 ... ... ...
Other Cost PLN mil ... ... 198 210 ... ... ...
Operating Cost PLN mil ... ... 400 418 466    
Operating Profit PLN mil ... ... 397 390 176    
Provisions PLN mil ... ... 178 97.4 73.0    
Extra and Other Cost PLN mil ... ... 0 0 -64.7    
Pre-Tax Profit PLN mil ... ... 218 292 168    
Tax PLN mil ... ... 44.9 57.4 33.7    
Minorities PLN mil ... ... 0 0 0    
Net Profit PLN mil 72.0 138 173 235 134    
growth rates              
Net Interest Income Growth % ... ... ... -8.13 -6.75    
Net Fee Income Growth % ... ... ... -1.49 18.8    
Total Revenue Growth % ... ... ... 1.39 -20.5    
Operating Cost Growth % ... ... ... 4.56 11.4    
Operating Profit Growth % ... ... ... -1.81 -54.8    
Pre-Tax Profit Growth % ... ... ... 33.8 -42.6    
Net Profit Growth % ... 91.7 25.7 35.4 -42.9    
market share              
Market Share in Revenues % ... ... 1.44 1.40 1.15    
Market Share in Net Profit % 0.463 0.892 1.14 1.48 1.20    
Market Share in Employees % ... ... ... ... 1.71    
Market Share in Branches % ... ... ... ... 3.35    
balance sheet Unit 2011 2012 2013 2014 2015 2016 2017
balance sheet              
Cash PLN mil ... ... 186 256 ... ... ...
Interbank Loans PLN mil ... ... 934 273 ... ... ...
Customer Loans PLN mil ... ... 8,573 9,396 10,540    
Retail Loans PLN mil ... ... 9,316 10,147 10,540    
Mortgage Loans PLN mil ... ... 4,099 4,889 5,910    
Consumer Loans PLN mil ... ... 5,217 5,258 4,630    
Corporate Loans PLN mil ... ... 0 0 0    
Debt Securities PLN mil ... ... 1,100 1,280 ... ... ...
Fixed Assets PLN mil ... ... 111 119 ... ... ...
Total Assets PLN mil ... ... 11,237 11,607 12,290    
Shareholders' Equity PLN mil ... ... 950 1,192 1,405    
Of Which Minority Interest PLN mil ... ... 0 0 0    
Liabilities PLN mil ... ... 10,288 10,415 10,885    
Interbank Borrowing PLN mil ... ... 4,281 4,301 ... ... ...
Customer Deposits PLN mil ... ... 5,579 5,561 5,570    
Retail Deposits PLN mil ... ... 5,579 5,561 5,570    
Corporate Deposits PLN mil ... ... 0 0 1.00    
Sight Deposits PLN mil ... ... 2,594 3,010 ... ... ...
Term Deposits PLN mil ... ... 2,984 2,551 ... ... ...
Issued Debt Securities PLN mil ... ... 181 331 ... ... ...
Other Liabilities PLN mil ... ... 247 221 ... ... ...
asset quality              
Non-Performing Loans PLN mil ... ... 996 1,015 ... ... ...
Gross Loans PLN mil ... ... 9,316 10,147 ... ... ...
Total Provisions PLN mil ... ... 744 752 ... ... ...
growth rates              
Customer Loan Growth % ... ... ... 9.60 12.2    
Retail Loan Growth % ... ... ... 8.92 3.87    
Mortgage Loan Growth % ... ... ... 19.3 20.9    
Consumer Loan Growth % ... ... ... 0.780 -11.9    
Total Asset Growth % ... ... ... 3.29 5.89    
Shareholders' Equity Growth % ... ... ... 25.5 17.9    
Customer Deposit Growth % ... ... ... -0.309 0.153    
Retail Deposit Growth % ... ... ... -0.309 0.153    
Corporate Deposit Growth % ... ... ... ... ...    
market share              
Market Share in Customer Loans % ... ... 0.882 0.904 0.954    
Market Share in Corporate Loans % ... ... 0 0 0    
Market Share in Retail Loans % ... ... 2.38 2.26 1.87    
Market Share in Consumer Loans % ... ... 1.68 1.72 1.68    
Market Share in Mortgage Loans % ... ... 1.22 1.37 1.55    
Market Share in Total Assets % ... ... 0.799 0.758 0.768    
Market Share in Customer Deposits % ... ... 0.570 0.532 0.500    
Market Share in Retail Deposits % ... ... 1.02 0.917 0.837    
Market Share in Corporate Deposits % ... ... 0 0 < 0.001    
ratios Unit 2011 2012 2013 2014 2015 2016 2017
ratios              
ROE % ... ... 18.3 21.9 10.3    
ROA % ... ... 1.54 2.06 1.12    
Costs (As % Of Assets) % ... ... 3.56 3.66 3.90    
Costs (As % Of Income) % ... ... 50.2 51.8 72.6    
Capital Adequacy Ratio % ... ... 11.6 11.0 15.1    
Tier 1 Ratio % ... ... 9.71 14.2 12.4    
Net Interest Margin % ... ... 5.98 5.40 4.82    
Interest Spread % ... ... ... 5.14 4.59    
Asset Yield % ... ... 9.22 8.00 6.65    
Cost Of Liabilities % ... ... ... 2.87 2.06    
Interest Income (As % Of Revenues) % ... ... 84.3 76.4 89.7    
Fee Income (As % Of Revenues) % ... ... 6.86 6.67 9.97    
Other Income (As % Of Revenues) % ... ... 8.81 16.9 0.358    
Staff Cost (As % Of Total Cost) % ... ... 43.4 43.3 ... ... ...
Equity (As % Of Assets) % ... ... 8.45 10.3 11.4    
Loans (As % Of Deposits) % ... ... 154 169 189    
Loans (As % Assets) % ... ... 76.3 81.0 85.8    
NPLs (As % Of Loans) % ... ... 10.7 10.00 ... ... ...
Provisions (As % Of NPLs) % ... ... 74.6 74.1 ... ... ...
Provisions (As % Of Loans) % ... ... 8.67 8.00 ... ... ...
Cost of Provisions (As % Of Loans) % ... ... 2.08 1.08 0.732    
other data Unit 2011 2012 2013 2014 2015 2016 2017
other data              
Branches ... ... ... ... 485    
Employees ... ... ... ... 3,000    
Clients mil ... ... 0.025 0.102 0.165   ...
Sight (As % Of Customer Deposits) % ... ... 46.5 54.1 ... ... ...

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Eurobank's customer loans rose 2.93% to PLN 11,731 mil in 2017

By Helgi Analytics - May 22, 2018

Eurobank Poland's customer loans reached PLN 11,731 mil in 2017, up 2.93% compared to the previous year. Polish banking sector provided customer loans of PLN 1,206 bil in 2017, up 3.69% when compared to the last year. Eurobank Poland accounted for 0.973% ...

Eurobank's total revenues fell 3.22% to PLN 717 mil in 2017

By Helgi Analytics - May 22, 2018

Eurobank Poland generated total banking revenues of PLN 717 mil in 2017, down 3.22% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. ...

Eurobank's retail deposits fell 0.480% to PLN 6,817 mil in 2017

By Helgi Analytics - May 22, 2018

Eurobank Poland's retail deposits reached PLN 6,817 mil in 2017, down 0.480% compared to the previous year. Polish banking sector accepted retail deposits of PLN 761 bil in 2017, up 4.18% when compared to the last year. Eurobank Poland accounted for 0.895...

Eurobank's capital adequacy ratio rose 5.33% to 16.0% in 2017

By Helgi Analytics - May 16, 2018

Eurobank Poland's capital adequacy ratio reached 16.0% at the end of 2017, up from 15.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.0% in 2017 and an all time low of 11.0% in 2014. The Tier 1 ratio amounte...

Eurobank's corporate loans remain unchanged at PLN 0 mil in 2017

By Helgi Analytics - December 12, 2019

Eurobank Poland's corporate loans reached PLN 0 mil in 2017, down 0% compared to the previous year. Polish banking sector provided corporate loans of PLN 353 bil in 2017, up 5.80% when compared to the last year. Eurobank Poland accounted for 0% of all cor...

Eurobank's corporate deposits rose 50.0% to PLN 3.00 mil in 2017

By Helgi Analytics - May 22, 2018

Eurobank Poland's corporate deposits reached PLN 3.00 mil in 2017, up 50.0% compared to the previous year. Polish banking sector accepted corporate deposits of PLN 285 bil in 2017, up 3.64% when compared to the last year. Eurobank Poland accounted for 0.0...

Eurobank's consumer loans rose 8.82% to PLN 5,442 mil in 2017

By Helgi Analytics - May 22, 2018

Eurobank Poland's consumer loans reached PLN 5,442 mil in 2017, up 8.82% compared to the previous year. Polish banking sector provided consumer loans of PLN 278 bil in 2017, up 6.64% when compared to the last year. Eurobank Poland accounted for 1.75% of a...

Eurobank's net interest income rose 3.53% to PLN 662 mil in 2017

By Helgi Analytics - May 16, 2018

Eurobank Poland generated total banking revenues of PLN 717 mil in 2017, down 3.22% 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 PLN 808 mil in 2014 and an...

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Finance

Eurobank Poland has been growing its revenues and asset by -3.90% and 5.93% a year on average in the last 3 years. Its loans and deposits have grown by 7.68% and 7.02% a year during that time and loans to deposits ratio reached 172% at the end of 2017. The company achieved an average return on equity of 8.93% in the last three years with net profit growing -24.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 67.6% in 2017, compared to 68.9% average in the last three years.

Equity represented 11.9% of total assets or 14.0% of loans at the end of 2017. Eurobank Poland's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.