Kärntner Sparkasse

Kärntner Sparkasse's customer deposits rose 9.61% to EUR 3,383 mil in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse's customer deposits reached EUR 3,383 mil in 2017, up 9.61% compared to the previous year. Austrian banking...

Kärntner Sparkasse's total revenues rose 4.29% to EUR 136 mil in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse generated total banking revenues of EUR 136 mil in 2017, up 4.29% compared to the previous year. Austr...

Kärntner Sparkasse's net profit rose 1.96% to EUR 22.0 mil in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse made a net profit of EUR 22.0 mil in 2017, up 1.96% compared to the previous year. This implies a return on ...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 82.9 86.9 90.6
Fee Income (As % Of Revenues) % 31.8 31.0 30.8
Other Income EUR mil 4.23 2.74 3.20
Total Revenues EUR mil 128 130 136
Staff Cost EUR mil ... 54.4 54.9
Operating Profit EUR mil 37.4 39.7 53.8
Provisions EUR mil 3.55 5.22 5.15
Net Profit EUR mil 21.2 21.6 22.0
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 418 33.3 11.9
Customer Loans EUR mil 3,464 3,570 3,703
Debt Securities EUR mil 496 658 667
Total Assets EUR mil 4,610 4,865 5,057
Shareholders' Equity EUR mil 296 359 394
Interbank Borrowing EUR mil 1,078 1,098 1,015
Customer Deposits EUR mil 2,817 3,086 3,383
Issued Debt Securities EUR mil 290 255 208
Ratios 2015 2016 2017
ROE % 7.11 6.59 5.85
ROA % 0.464 0.455 0.443
Costs (As % Of Assets) % 1.98 1.91 1.65
Costs (As % Of Income) % 70.7 69.5 60.3
Capital Adequacy Ratio % 14.4 14.4 15.2
Net Interest Margin % 1.81 1.84 1.83
Loans (As % Of Deposits) % 123 116 109
Growth Rates 2015 2016 2017
Total Revenue Growth % 0.396 1.83 4.29
Operating Cost Growth % 3.07 0.075 -9.44
Operating Profit Growth % -5.50 6.05 35.5
Net Profit Growth % 258 1.81 1.96
Customer Loan Growth % 1.50 3.06 3.73
Total Asset Growth % 1.85 5.52 3.96
Customer Deposit Growth % 8.04 9.58 9.61
Shareholders' Equity Growth % -1.33 21.2 9.82

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summary Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                  
Net Interest Income EUR mil ...   92.4 76.2 73.1 80.8 82.9    
Total Revenues EUR mil ...   119 117 119 127 128    
Operating Profit EUR mil ...   32.4 35.6 37.4 39.6 37.4    
Net Profit EUR mil ...   10.2 0.384 4.52 5.92 21.2    
balance sheet                  
Interbank Loans EUR mil ...   390 447 436 423 418    
Customer Loans EUR mil ...   3,794 3,513 3,354 3,413 3,464    
Debt Securities EUR mil ...   509 402 454 460 496    
Total Assets EUR mil ...   4,708 4,631 4,517 4,526 4,610    
Shareholders' Equity EUR mil ...   279 289 291 300 296    
Interbank Borrowing EUR mil ...   1,431 1,458 1,136 1,182 1,078    
Customer Deposits EUR mil ...   2,401 2,426 2,638 2,607 2,817    
Issued Debt Securities EUR mil ...   456 338 340 334 290    
ratios                  
ROE % ...   3.56 0.135 1.56 2.00 7.11    
ROA % ...   0.215 0.008 0.099 0.131 0.464    
Costs (As % Of Assets) % ...   1.83 1.73 1.78 1.94 1.98    
Costs (As % Of Income) % ...   72.9 69.4 68.5 68.9 70.7    
Capital Adequacy Ratio %     13.6 12.9 13.3 13.9 14.4    
Net Interest Margin % ...   1.95 1.63 1.60 1.79 1.81    
Interest Income (As % Of Revenues) % ...   77.5 65.4 61.6 63.6 64.9    
Fee Income (As % Of Revenues) % ...   26.9 28.3 30.0 30.8 31.8    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...    
Equity (As % Of Assets) % ...   5.94 6.24 6.44 6.63 6.42    
Loans (As % Of Deposits) % ...   158 145 127 131 123    
Loans (As % Assets) % ...   80.6 75.9 74.3 75.4 75.1    
income statement Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                  
Interest Income EUR mil ...   157 129 112 110 102    
Interest Cost EUR mil ...   64.8 53.0 38.9 29.3 19.1    
Net Interest Income EUR mil ...   92.4 76.2 73.1 80.8 82.9    
Net Fee Income EUR mil ...   32.0 33.0 35.7 39.1 40.6    
Other Income EUR mil ...   -5.19 7.33 9.96 7.23 4.23    
Total Revenues EUR mil ...   119 117 119 127 128    
Staff Cost EUR mil ... ... ... ... ... ... ...    
Depreciation EUR mil ... ... ... 6.70 6.69 5.84 5.90    
Other Cost EUR mil ... ... ... ... ... ... ...    
Operating Cost EUR mil ...   86.9 80.9 81.3 87.6 90.2    
Operating Profit EUR mil ...   32.4 35.6 37.4 39.6 37.4    
Provisions EUR mil ...   29.7 46.6 34.7 28.9 3.55    
Extra and Other Cost EUR mil ...   -8.87 -0.001 -0.001 -0.006 -0.001    
Pre-Tax Profit EUR mil ...   11.5 -11.0 2.73 10.7 33.9    
Tax EUR mil ...   1.43 0.111 2.20 5.92 10.6    
Minorities EUR mil ...   0.133 2.83 3.98 -1.17 2.08    
Net Profit EUR mil ...   10.2 0.384 4.52 5.92 21.2    
growth rates                  
Net Interest Income Growth % ... ... 4.44 -17.5 -4.18 10.6 2.54    
Net Fee Income Growth % ... ... 5.57 2.93 8.14 9.69 3.71    
Total Revenue Growth % ... ... -0.769 -2.26 1.83 7.15 0.396    
Operating Cost Growth % ... ... -0.537 -6.83 0.440 7.70 3.07    
Operating Profit Growth % ... ... -1.39 10.0 4.99 5.95 -5.50    
Pre-Tax Profit Growth % ... ... 183 -196 -125 290 218    
Net Profit Growth % ... ... 92.2 -96.2 1,077 31.0 258    
market share                  
Market Share in Revenues % ...   0.620 0.610 0.626 0.638 0.613    
Market Share in Net Profit % ...   0.854 0.012 -0.483 -0.088 0.570    
balance sheet Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                  
Cash EUR mil ...   38.4 48.4 65.8 39.6 41.5    
Interbank Loans EUR mil ...   390 447 436 423 418    
Customer Loans EUR mil ...   3,794 3,513 3,354 3,413 3,464    
Debt Securities EUR mil ...   509 402 454 460 496    
Fixed Assets EUR mil ...   72.6 69.9 69.4 70.0 75.2    
Total Assets EUR mil ...   4,708 4,631 4,517 4,526 4,610    
Shareholders' Equity EUR mil ...   279 289 291 300 296    
Of Which Minority Interest EUR mil ...   27.5 24.6 22.9 21.7 27.7    
Liabilities EUR mil ...   4,428 4,341 4,226 4,226 4,314    
Interbank Borrowing EUR mil ...   1,431 1,458 1,136 1,182 1,078    
Customer Deposits EUR mil ...   2,401 2,426 2,638 2,607 2,817    
Issued Debt Securities EUR mil ...   456 338 340 334 290    
Other Liabilities EUR mil ...   140 119 112 103 129    
growth rates                  
Customer Loan Growth % ... ... 0.983 -7.42 -4.52 1.77 1.50    
Total Asset Growth % ... ... -1.17 -1.64 -2.46 0.207 1.85    
Shareholders' Equity Growth % ... ... -4.84 3.45 0.671 3.03 -1.33    
Customer Deposit Growth % ... ... -2.66 1.05 8.72 -1.17 8.04    
market share                  
Market Share in Customer Loans % ...   0.850 0.797 0.774 0.801 0.805    
Market Share in Total Assets % ...   0.464 0.471 0.487 0.505 0.537    
Market Share in Customer Deposits % ...   0.689 0.686 0.727 0.697 0.731    
ratios Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                  
ROE % ...   3.56 0.135 1.56 2.00 7.11    
ROA % ...   0.215 0.008 0.099 0.131 0.464    
Costs (As % Of Assets) % ...   1.83 1.73 1.78 1.94 1.98    
Costs (As % Of Income) % ...   72.9 69.4 68.5 68.9 70.7    
Capital Adequacy Ratio %     13.6 12.9 13.3 13.9 14.4    
Tier 1 Ratio %     13.4 11.7 12.0 12.6 13.2    
Net Interest Margin % ...   1.95 1.63 1.60 1.79 1.81    
Interest Spread % ... ... 1.86 1.56 1.54 1.74 1.79    
Asset Yield % ...   3.32 2.77 2.45 2.44 2.23    
Cost Of Liabilities % ... ... 1.46 1.21 0.907 0.693 0.447    
Interest Income (As % Of Revenues) % ...   77.5 65.4 61.6 63.6 64.9    
Fee Income (As % Of Revenues) % ...   26.9 28.3 30.0 30.8 31.8    
Other Income (As % Of Revenues) % ...   -4.35 6.29 8.40 5.68 3.31    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...    
Equity (As % Of Assets) % ...   5.94 6.24 6.44 6.63 6.42    
Loans (As % Of Deposits) % ...   158 145 127 131 123    
Loans (As % Assets) % ...   80.6 75.9 74.3 75.4 75.1    
Cost of Provisions (As % Of Loans) % ...   0.788 1.28 1.01 0.856 0.104    

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Kärntner Sparkasse's capital adequacy ratio rose 5.56% to 15.2% in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse's capital adequacy ratio reached 15.2% at the end of 2017, up from 14.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.2% in 2017 and an all time low of 12.9% in 2012. The Tier 1 ratio amo...

Kärntner Sparkasse's customer loans rose 3.73% to EUR 3,703 mil in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse's customer loans reached EUR 3,703 mil in 2017, up 3.73% 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. Kärntner Sparkasse accounted for 0...

Kärntner Sparkasse's net interest margin fell 0.433% to 1.83% in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse's net interest margin amounted to 1.83% in 2017, down from 1.84% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.95% in 2011 and an all time low of 1.60% in 2013. The average ...

Kärntner Sparkasse's net interest income rose 4.27% to EUR 90.6 mil in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse generated total banking revenues of EUR 136 mil in 2017, up 4.29% 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 136 mil in 2017 and ...

Kärntner Sparkasse's customer loan growth rose 21.8% to 3.73% in 2017

By Helgi Analytics - November 05, 2019

Kärntner Sparkasse's customer loan growth reached 3.73% in 2017, up from 3.06% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 3.73% in 2017 and an all time low of -7.42% in 2012. In the last decade, the a...

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Finance

Kärntner Sparkasse has been growing its revenues and asset by 2.16% and 3.77% a year on average in the last 3 years. Its loans and deposits have grown by 2.76% and 9.07% a year during that time and loans to deposits ratio reached 109% at the end of 2017. The company achieved an average return on equity of 6.52% in the last three years with net profit growing 54.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 60.3% in 2017, compared to 66.8% average in the last three years.

Equity represented 7.79% of total assets or 10.6% of loans at the end of 2017. Kärntner Sparkasse's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.