By Helgi Library - May 15, 2024
Generali Bank Austria made a net profit of EUR -5.79 mil in 2022, down 295% compared to the previous year. This implies a return...
By Helgi Library - May 15, 2024
Generali Bank Austria's net interest margin amounted to 0.332% in 2022, up from 0.271% compared to the previous year. Hist...
By Helgi Library - May 15, 2024
Generali Bank Austria's customer loan growth reached -9.10% in 2022, up from -9.83% compared to the previous year. Historic...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | EUR mil | 2.06 | 1.60 | 2.27 |
| Net Fee Income | EUR mil | 0.580 | 0.577 | 0.464 |
| Other Income | EUR mil | 1.89 | 8.88 | 0.912 |
| Total Revenues | EUR mil | 4.53 | 11.1 | 3.65 |
| Staff Cost | EUR mil | 4.78 | 4.10 | 3.86 |
| Operating Profit | EUR mil | -3.09 | 5.76 | -7.64 |
| Provisions | EUR mil | 0 | 0 | 0 |
| Net Profit | EUR mil | -2.11 | 2.97 | -5.79 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | EUR mil | 56.7 | 39.4 | 23.4 |
| Customer Loans | EUR mil | 179 | 162 | 147 |
| Investments | EUR mil | 62.4 | 57.0 | 79.9 |
| Total Assets | EUR mil | 458 | 721 | 649 |
| Shareholders' Equity | EUR mil | 40.1 | 44.3 | 44.4 |
| Interbank Borrowing | EUR mil | 0.338 | < 0.001 | 7.11 |
| Customer Deposits | EUR mil | 412 | 671 | 593 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | -5.70 | 7.03 | -13.0 |
| ROA | % | -0.460 | 0.504 | -0.846 |
| Costs (As % Of Assets) | % | 1.98 | 1.40 | 1.17 |
| Costs (As % Of Income) | % | 200 | 74.7 | 219 |
| Net Interest Margin | % | 0.450 | 0.271 | 0.332 |
| Loans (As % Of Deposits) | % | 43.6 | 24.1 | 24.8 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | -12.8 | 144 | -67.0 |
| Operating Cost Growth | % | -0.797 | -8.90 | -3.06 |
| Operating Profit Growth | % | -13.7 | -286 | -233 |
| Net Profit Growth | % | -22.5 | -241 | -295 |
| Customer Loan Growth | % | 21.2 | -9.83 | -9.10 |
| Total Asset Growth | % | -0.124 | 57.5 | -9.96 |
| Customer Deposit Growth | % | -1.56 | 62.9 | -11.5 |
| Shareholders' Equity Growth | % | 18.8 | 10.5 | 0.274 |
Get all company financials in excel:
| summary | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||
| Net Interest Income | EUR mil | 1.42 | 1.70 | 2.05 | 2.23 | 2.06 | |||||
| Total Revenues | EUR mil | 6.11 | 5.85 | 4.88 | 5.20 | 4.53 | |||||
| Operating Profit | EUR mil | -6.15 | -10.3 | -3.18 | -3.59 | -3.09 | |||||
| Net Profit | EUR mil | -4.02 | -7.72 | -2.40 | -2.72 | -2.11 | |||||
| balance sheet | |||||||||||
| Interbank Loans | EUR mil | 58.9 | 31.0 | 22.2 | 28.6 | 56.7 | |||||
| Customer Loans | EUR mil | 126 | 164 | 124 | 148 | 179 | |||||
| Investments | EUR mil | ... | 30.4 | 33.8 | 47.4 | 153 | 62.4 | ||||
| Total Assets | EUR mil | 283 | 319 | 324 | 458 | 458 | |||||
| Shareholders' Equity | EUR mil | 18.8 | 23.5 | 26.0 | 33.8 | 40.1 | |||||
| Interbank Borrowing | EUR mil | 6.58 | 0.007 | 0.006 | 0.074 | 0.338 | |||||
| Customer Deposits | EUR mil | 256 | 293 | 295 | 418 | 412 | |||||
| ratios | |||||||||||
| ROE | % | -23.5 | -36.5 | -9.69 | -9.10 | -5.70 | |||||
| ROA | % | -1.84 | -2.56 | -0.746 | -0.695 | -0.460 | |||||
| Costs (As % Of Assets) | % | 5.26 | 7.27 | 3.30 | 2.34 | 1.98 | |||||
| Costs (As % Of Income) | % | 189 | 374 | 217 | 176 | 200 | |||||
| Net Interest Margin | % | 0.650 | 0.566 | 0.636 | 0.570 | 0.450 | |||||
| Interest Income (As % Of Revenues) | % | 23.3 | 29.1 | 41.9 | 42.9 | 45.5 | |||||
| Fee Income (As % Of Revenues) | % | 24.2 | 22.2 | 19.6 | 12.9 | 12.8 | |||||
| Staff Cost (As % Of Total Cost) | % | 47.4 | 38.8 | 50.7 | 51.0 | 52.7 | |||||
| Equity (As % Of Assets) | % | 6.65 | 7.37 | 8.02 | 7.37 | 8.77 | |||||
| Loans (As % Of Deposits) | % | 49.1 | 56.1 | 42.1 | 35.4 | 43.6 | |||||
| Loans (As % Assets) | % | 44.4 | 51.5 | 38.3 | 32.3 | 39.2 | |||||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | -41.3 | 19.6 | 20.1 | 8.94 | -7.64 |
| income statement | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||
| Interest Income | EUR mil | 4.99 | 3.97 | 3.66 | 3.17 | 2.57 | |||||
| Interest Cost | EUR mil | 3.56 | 2.27 | 1.62 | 0.941 | 0.512 | |||||
| Net Interest Income | EUR mil | 1.42 | 1.70 | 2.05 | 2.23 | 2.06 | |||||
| Net Fee Income | EUR mil | 1.48 | 1.30 | 0.956 | 0.672 | 0.580 | |||||
| Fee Income | EUR mil | 3.04 | 2.68 | 1.72 | 1.15 | 0.908 | |||||
| Fee Expense | EUR mil | 1.56 | 1.38 | 0.765 | 0.478 | 0.329 | |||||
| Other Income | EUR mil | 3.21 | 2.85 | 1.88 | 2.29 | 1.89 | |||||
| Total Revenues | EUR mil | 6.11 | 5.85 | 4.88 | 5.20 | 4.53 | |||||
| Staff Cost | EUR mil | 5.46 | 8.50 | 5.38 | 4.66 | 4.78 | |||||
| Depreciation | EUR mil | 0.399 | 7.51 | 0.503 | 0.004 | 0.040 | |||||
| Other Cost | EUR mil | 5.66 | 5.88 | 4.73 | 4.47 | 4.24 | |||||
| Operating Cost | EUR mil | 11.5 | 21.9 | 10.6 | 9.14 | 9.06 | |||||
| Operating Profit | EUR mil | -6.15 | -10.3 | -3.18 | -3.59 | -3.09 | |||||
| Provisions | EUR mil | ... | 0 | 0 | 0 | 0 | 0 | ||||
| Pre-Tax Profit | EUR mil | ... | -6.15 | -10.3 | -3.18 | -3.59 | -3.09 | ||||
| Tax | EUR mil | ... | -2.13 | -2.57 | -0.775 | -0.865 | -0.988 | ||||
| Net Profit | EUR mil | -4.02 | -7.72 | -2.40 | -2.72 | -2.11 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | -41.3 | 19.6 | 20.1 | 8.94 | -7.64 | ||||
| Net Fee Income Growth | % | ... | -23.1 | -12.2 | -26.3 | -29.7 | -13.8 | ||||
| Total Revenue Growth | % | ... | -31.7 | -4.27 | -16.5 | 6.43 | -12.8 | ||||
| Operating Cost Growth | % | ... | 2.01 | 89.9 | -51.5 | -13.9 | -0.797 | ||||
| Operating Profit Growth | % | ... | -4,067 | 67.3 | -69.1 | 12.9 | -13.7 | ||||
| Pre-Tax Profit Growth | % | ... | ... | ... | 67.3 | -69.1 | 12.9 | -13.7 | |||
| Net Profit Growth | % | ... | -2,695 | 91.9 | -68.9 | 13.3 | -22.5 |
| balance sheet | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | |||||||||||
| Cash & Cash Equivalents | EUR mil | 41.0 | 48.5 | 90.4 | 87.6 | 140 | |||||
| Interbank Loans | EUR mil | 58.9 | 31.0 | 22.2 | 28.6 | 56.7 | |||||
| Customer Loans | EUR mil | 126 | 164 | 124 | 148 | 179 | |||||
| Investments | EUR mil | ... | 30.4 | 33.8 | 47.4 | 153 | 62.4 | ||||
| Property and Equipment | EUR mil | 0.133 | 0.148 | 0.133 | 0.109 | 2.08 | |||||
| Intangible Assets | EUR mil | 0.184 | 0.290 | 0.298 | 0.340 | 0.388 | |||||
| Total Assets | EUR mil | 283 | 319 | 324 | 458 | 458 | |||||
| Shareholders' Equity | EUR mil | 18.8 | 23.5 | 26.0 | 33.8 | 40.1 | |||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | EUR mil | 264 | 296 | 298 | 424 | 417 | |||||
| Interbank Borrowing | EUR mil | 6.58 | 0.007 | 0.006 | 0.074 | 0.338 | |||||
| Customer Deposits | EUR mil | 256 | 293 | 295 | 418 | 412 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 57.8 | 31.0 | -24.5 | 19.2 | 21.2 | ||||
| Total Asset Growth | % | ... | 82.3 | 12.8 | 1.69 | 41.2 | -0.124 | ||||
| Shareholders' Equity Growth | % | ... | 21.4 | 25.0 | 10.7 | 29.7 | 18.8 | ||||
| Customer Deposit Growth | % | ... | 90.9 | 14.7 | 0.499 | 41.9 | -1.56 |
| ratios | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | -23.5 | -36.5 | -9.69 | -9.10 | -5.70 | |||||
| ROTE | % | -23.7 | -36.9 | -9.80 | -9.19 | -5.76 | |||||
| ROA | % | -1.84 | -2.56 | -0.746 | -0.695 | -0.460 | |||||
| Return on Loans | % | -3.92 | -5.32 | -1.66 | -2.00 | -1.29 | |||||
| Costs (As % Of Assets) | % | 5.26 | 7.27 | 3.30 | 2.34 | 1.98 | |||||
| Costs (As % Of Income) | % | 189 | 374 | 217 | 176 | 200 | |||||
| Costs (As % Of Loans) | % | 11.2 | 15.1 | 7.35 | 6.71 | 5.54 | |||||
| Costs (As % Of Loans & Deposits) | % | ... | 3.88 | 5.22 | 2.42 | 1.86 | 1.57 | ||||
| Net Interest Margin | % | 0.650 | 0.566 | 0.636 | 0.570 | 0.450 | |||||
| Interest Spread | % | 0.512 | 0.509 | 0.594 | 0.550 | 0.440 | |||||
| Asset Yield | % | 2.28 | 1.32 | 1.14 | 0.810 | 0.562 | |||||
| Cost Of Liabilities | % | 1.76 | 0.812 | 0.544 | 0.260 | 0.122 | |||||
| Interest Income (As % Of Revenues) | % | 23.3 | 29.1 | 41.9 | 42.9 | 45.5 | |||||
| Fee Income (As % Of Revenues) | % | 24.2 | 22.2 | 19.6 | 12.9 | 12.8 | |||||
| Other Income (As % Of Revenues) | % | 52.5 | 48.7 | 38.5 | 44.2 | 41.7 | |||||
| Staff Cost (As % Of Total Cost) | % | 47.4 | 38.8 | 50.7 | 51.0 | 52.7 | |||||
| Equity (As % Of Assets) | % | 6.65 | 7.37 | 8.02 | 7.37 | 8.77 | |||||
| Equity (As % Of Loans) | % | 15.0 | 14.3 | 21.0 | 22.8 | 22.4 | |||||
| Loans (As % Of Deposits) | % | 49.1 | 56.1 | 42.1 | 35.4 | 43.6 | |||||
| Loans (As % Assets) | % | 44.4 | 51.5 | 38.3 | 32.3 | 39.2 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | 0 | 0 | 0 | 0 | 0 |
Get all company financials in excel:
Generali Bank Austria has been growing its revenues and asset by -11.1% and 12.3% a year on average in the last 3 years. Its loans and deposits have grown by -0.212% and 12.4% a year during that time and loans to deposits ratio reached 24.8% at the end of 2022. The company achieved an average return on equity of -3.91% in the last three years with net profit growing 28.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 219% in 2022, compared to 165% average in the last three years.
Equity represented 6.85% of total assets or 30.2% of loans at the end of 2022. Generali Bank Austria's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2022.
Helgi Library 
