By Helgi Library - September 30, 2023
SAB Finance made a net profit of CZK 217 mil under revenues of CZK 480 mil in 2022, up 34.1% and 35.2% respectively compared to the p...
By Helgi Library - September 30, 2023
SAB Finance generated total banking revenues of CZK 480 mil in 2022, up 35.2% compared to the previous year. Czech banking...
By Helgi Library - September 30, 2023
SAB Finance's net interest margin amounted to -0.815% in 2022, down from -0.214% compared to the previous year. Historical...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | -6.79 | -4.42 | -20.2 |
| Net Fee Income | CZK mil | -12.0 | -11.9 | -27.5 |
| Other Income | CZK mil | 292 | 371 | 528 |
| Total Revenues | CZK mil | 273 | 355 | 480 |
| Staff Cost | CZK mil | 89.7 | 114 | 150 |
| Operating Profit | CZK mil | 142 | 200 | 268 |
| Provisions | CZK mil | -1.98 | 0.186 | 0.063 |
| Net Profit | CZK mil | 117 | 161 | 217 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 261 | 149 | 169 |
| Customer Loans | CZK mil | 580 | 514 | 582 |
| Investments | CZK mil | 965 | 965 | 965 |
| Total Assets | CZK mil | 1,967 | 2,156 | 2,796 |
| Shareholders' Equity | CZK mil | 1,223 | 1,216 | 1,223 |
| Interbank Borrowing | CZK mil | 85.3 | 229 | 242 |
| Customer Deposits | CZK mil | 585 | 562 | 826 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 11.4 | 13.2 | 17.8 |
| ROA | % | 6.91 | 7.83 | 8.75 |
| Costs (As % Of Assets) | % | 7.76 | 7.51 | 8.55 |
| Costs (As % Of Income) | % | 47.9 | 43.6 | 44.1 |
| Net Interest Margin | % | -0.402 | -0.214 | -0.815 |
| Loans (As % Of Deposits) | % | 99.1 | 91.5 | 70.4 |
| NPLs (As % Of Loans) | % | 0 | 0 | 0 |
| Valuation | 2020 | 2021 | 2022 | |
| Market Capitalisation | USD mil | 127 | 124 | 124 |
| Number Of Shares | mil | 2.58 | 2.58 | 2.58 |
| Share Price | CZK | 1,056 | 1,060 | 1,060 |
| Price/Earnings (P/E) | 23.3 | 16.9 | 12.6 | |
| Price/Book Value (P/BV) | 2.23 | 2.25 | 2.23 | |
| Dividend Yield | % | 3.67 | 6.16 | 7.66 |
| Earnings Per Share (EPS) | CZK | 45.3 | 62.7 | 84.1 |
| Book Value Per Share | CZK | 474 | 472 | 475 |
| Dividend Per Share | CZK | 38.8 | 65.3 | 81.2 |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -1.05 | -0.502 | 4.47 | 0.906 | -6.79 | |||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 116 | 168 | 214 | 219 | 273 | |||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 41.3 | 67.7 | 87.6 | 81.5 | 142 | |||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.8 | 54.8 | 71.2 | 73.7 | 117 | |||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 264 | 275 | 339 | 210 | 261 | |||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Investments | CZK mil | ... | ... | ... | ... | ... | ... | ... | 35.5 | 30.1 | 376 | 395 | 965 | |||||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,116 | 1,776 | 1,728 | 1,409 | 1,967 | |||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 247 | 505 | 743 | 817 | 1,223 | |||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 66.5 | 19.6 | 61.9 | 202 | 85.3 | |||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 796 | 1,232 | 904 | 363 | 585 | |||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| ratios | ||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 14.6 | 11.4 | 9.45 | 11.4 | ||||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | 3.77 | 3.79 | 4.06 | 4.70 | 6.91 | ||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | 8.62 | 6.95 | 7.21 | 8.77 | 7.76 | ||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 64.4 | 59.7 | 59.0 | 62.8 | 47.9 | |||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.121 | -0.035 | 0.255 | 0.058 | -0.402 | ||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -0.905 | -0.298 | 2.09 | 0.414 | -2.48 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -10.8 | -8.37 | -6.51 | -6.58 | -4.39 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 65.6 | 63.8 | 69.0 | 64.4 | 68.4 | |||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 22.1 | 28.4 | 43.0 | 57.9 | 62.1 | |||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 101 | 114 | 103 | 183 | 99.1 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | 71.8 | 79.3 | 54.0 | 47.3 | 29.5 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| valuation | ||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 127 | ||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.85 | 2.58 | ||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,056 | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 39.9 | 45.3 | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 442 | 474 | ||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37.9 | 38.8 | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.3 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.23 | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.67 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.6 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -115 | -52.2 | -992 | -79.7 | 7.31 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4.24 | 2.03 | 8.02 | 9.03 | 3.04 | |||||||
| Interest Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 5.29 | 2.53 | 3.55 | 8.12 | 9.83 | |||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -1.05 | -0.502 | 4.47 | 0.906 | -6.79 | |||||||
| Net Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -12.5 | -14.1 | -13.9 | -14.4 | -12.0 | |||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.59 | 2.78 | 2.77 | 2.49 | 2.05 | |||||||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | 15.1 | 16.8 | 16.7 | 16.9 | 14.0 | |||||||
| Other Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 130 | 183 | 223 | 233 | 292 | |||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 116 | 168 | 214 | 219 | 273 | |||||||
| Staff Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 49.1 | 64.1 | 87.2 | 88.5 | 89.7 | |||||||
| Depreciation | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6.82 | 1.38 | 1.82 | 5.18 | 6.73 | |||||||
| Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 18.9 | 35.0 | 37.3 | 43.8 | 34.6 | |||||||
| Operating Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 74.8 | 101 | 126 | 138 | 131 | |||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 41.3 | 67.7 | 87.6 | 81.5 | 142 | |||||||
| Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | -1.43 | 0 | -0.433 | 0.112 | -1.98 | |||||||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0.123 | -9.64 | 0.194 | |||||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 42.8 | 67.7 | 88.0 | 91.0 | 144 | |||||||
| Tax | CZK mil | ... | ... | ... | ... | ... | ... | ... | 9.80 | 12.9 | 16.8 | 17.3 | 27.4 | |||||||
| Minorities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.8 | 54.8 | 71.2 | 73.7 | 117 | |||||||
| Net Profit Avail. to Common | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.8 | 54.8 | 71.2 | 73.7 | 117 | |||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | 31.1 | 52.1 | 67.6 | 70.0 | 100 | |||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -115 | -52.2 | -992 | -79.7 | -849 | ||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -6.59 | 12.5 | -1.05 | 3.49 | -16.8 | |||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -14.9 | 44.8 | 27.1 | 2.39 | 24.8 | ||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -13.6 | 34.4 | 25.6 | 8.92 | -4.70 | ||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -17.0 | 63.8 | 29.4 | -7.00 | 74.6 | ||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -14.1 | 58.3 | 29.9 | 3.50 | 58.3 | ||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -12.0 | 67.3 | 29.8 | 3.51 | 58.5 | ||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | 0.064 | 0.094 | 0.112 | 0.108 | 0.152 | |||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | 0.044 | 0.073 | 0.087 | 0.081 | 0.246 | |||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | 0.122 | 0.124 | 0.143 | 0.163 | 0.162 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | ||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 264 | 275 | 339 | 210 | 261 | |||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Investments | CZK mil | ... | ... | ... | ... | ... | ... | ... | 35.5 | 30.1 | 376 | 395 | 965 | |||||||
| Property and Equipment | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1.13 | 26.6 | 26.9 | 31.3 | 5.45 | |||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.77 | 3.07 | 10.5 | 17.6 | 21.8 | |||||||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,116 | 1,776 | 1,728 | 1,409 | 1,967 | |||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 247 | 505 | 743 | 817 | 1,223 | |||||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 869 | 1,271 | 985 | 593 | 745 | |||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 66.5 | 19.6 | 61.9 | 202 | 85.3 | |||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 796 | 1,232 | 904 | 363 | 585 | |||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 796 | 1,232 | 904 | 363 | 585 | |||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 776 | 1,148 | 888 | 360 | 573 | |||||||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 20.0 | 84.0 | 15.5 | 3.52 | 12.7 | |||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6.47 | 19.6 | 19.3 | 27.6 | 74.2 | |||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 64.2 | 75.9 | -33.8 | -28.6 | -12.9 | ||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 64.2 | 75.9 | -33.8 | -28.6 | -12.9 | ||||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 79.7 | 59.2 | -2.70 | -18.5 | 39.6 | ||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -1.05 | 104 | 47.1 | 9.92 | 49.7 | ||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 291 | 54.8 | -26.6 | -59.8 | 61.2 | ||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 291 | 54.8 | -26.6 | -59.8 | 61.2 | ||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.027 | 0.046 | 0.028 | 0.019 | 0.016 | |||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.082 | 0.138 | 0.086 | 0.059 | 0.052 | |||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | ... | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | 0.019 | 0.025 | 0.024 | 0.019 | 0.025 | |||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0.021 | 0.030 | 0.020 | 0.008 | 0.011 | |||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0.087 | 0.124 | 0.087 | 0.033 | 0.048 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 14.6 | 11.4 | 9.45 | 11.4 | ||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.4 | 14.7 | 11.5 | 9.62 | 11.7 | ||||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | 3.77 | 3.79 | 4.06 | 4.70 | 6.91 | ||||||
| Return on Loans | % | ... | ... | ... | ... | ... | ... | ... | 5.08 | 4.96 | 6.08 | 9.22 | 18.7 | |||||||
| operating profit (as % of rwa) | ||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | 8.62 | 6.95 | 7.21 | 8.77 | 7.76 | ||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 64.4 | 59.7 | 59.0 | 62.8 | 47.9 | |||||||
| Costs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 11.6 | 9.10 | 10.8 | 17.2 | 21.0 | ||||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | 6.54 | 4.74 | 5.64 | 9.60 | 11.9 | ||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.121 | -0.035 | 0.255 | 0.058 | -0.402 | ||||||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.365 | -0.096 | 0.143 | -0.454 | -1.29 | ||||||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.488 | 0.140 | 0.458 | 0.575 | 0.180 | ||||||
| revenues (as % of rwa) | ||||||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.853 | 0.236 | 0.314 | 1.03 | 1.47 | ||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | 95.0 | 95.0 | 95.0 | 95.0 | 85.7 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -0.905 | -0.298 | 2.09 | 0.414 | -2.48 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -10.8 | -8.37 | -6.51 | -6.58 | -4.39 | |||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 112 | 109 | 104 | 106 | 107 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 65.6 | 63.8 | 69.0 | 64.4 | 68.4 | |||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 22.1 | 28.4 | 43.0 | 57.9 | 62.1 | |||||||
| Equity (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 30.8 | 35.8 | 79.6 | 123 | 211 | |||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 101 | 114 | 103 | 183 | 99.1 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | 71.8 | 79.3 | 54.0 | 47.3 | 29.5 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.222 | 0 | -0.037 | 0.014 | -0.317 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Employees | ... | ... | ... | ... | ... | ... | ... | 50.0 | 52.0 | 60.0 | 68.0 | 66.0 | ||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 3,242 | 4,380 | 5,533 | 4,811 | 5,145 | |||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | ... | ... | 81,791 | 102,771 | 121,057 | 108,459 | 113,207 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | 0.015 | 0.016 | 0.017 | 0.018 | 0.020 | ||||||||||||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 136,082 | ||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 7,744 | 10,438 | 12,562 | 12,212 | 13,669 | |||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 2,184 | 3,401 | 4,180 | 4,107 | 5,836 | |||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 53,406 | 87,403 | 54,781 | 37,134 | 28,996 | |||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 53,050 | 76,429 | 53,086 | 20,252 | 29,267 | |||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,363 | ||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 307 | 445 | 574 | 542 | 621 | |||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 86.6 | 145 | 191 | 182 | 265 | |||||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 2,083 | 4,105 | 2,438 | 1,642 | 1,356 | |||||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 2,069 | 3,590 | 2,363 | 895 | 1,368 | |||||||
| Client Transactions Turnover | CZK mil | 159,900 | 219,300 | 250,100 | 280,900 | ... | ... | ... | ||||||||||||
| Transactions Turnover per Client | CZK mil | 10.7 | 13.6 | 14.7 | 15.7 | ... | ... | ... | ||||||||||||
| Margin on Client Transactions | % | ... | ... | ... | ... | ... | ... | ... | 0.081 | 0.083 | 0.089 | 0.083 | ... | ... | ... |
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By Helgi Library - September 30, 2023
SAB Finance generated total banking revenues of CZK 480 mil in 2022, up 35.2% 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 CZK 480 mil in 2022 and an all t...
By Helgi Library - September 30, 2023
SAB Finance's customer loans reached CZK 582 mil in 2022, up 13.1% compared to the previous year. Czech banking sector provided customer loans of CZK 4,072 in 2022, up 5.82% when compared to the last year. SAB Finance accounted for 0.014% of all customer ...
By Helgi Library - September 30, 2023
SAB Finance's customer deposits reached CZK 826 mil in 2022, up 47.1% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,859 bil in 2022, up 6.48% when compared to the last year. SAB Finance accounted for 0.014% of all...
By Helgi Library - September 30, 2023
SAB Finance's retail deposits reached CZK 0 mil in 2022, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,396 bil in 2022, up 4.04% when compared to the last year. SAB Finance accounted for 0% of all retail dep...
By Helgi Library - September 30, 2023
SAB Finance's corporate loans reached CZK 582 mil in 2022, up 13.1% compared to the previous year. Czech banking sector provided corporate loans of CZK 1,237 bil in 2022, up 4.11% when compared to the last year. SAB Finance accounted for 0.047% of all cor...
By Helgi Library - September 30, 2023
SAB Finance's corporate deposits reached CZK 826 mil in 2022, up 47.1% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,367 bil in 2022, up 4.44% when compared to the last year. SAB Finance accounted for 0.060% of a...
By Helgi Library - September 30, 2023
SAB Finance's corporate loans reached CZK 582 mil in 2022, up 13.1% compared to the previous year. Czech banking sector provided corporate loans of CZK 1,237 bil in 2022, up 4.11% when compared to the last year. SAB Finance accounted for 0.047% of all cor...
By Helgi Library - September 30, 2023
SAB Finance's customer loan growth reached 13.1% in 2022, up from -11.4% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 399% in 2013 and an all time low of -33.8% in 2018. In the last decade, the average a...
SAB Finance has been growing its revenues and asset by 29.9% and 25.7% a year on average in the last 3 years. Its loans and deposits have grown by -4.42% and 31.5% a year during that time and loans to deposits ratio reached 70.4% at the end of 2022. The company achieved an average return on equity of 14.2% in the last three years with net profit growing 43.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.1% in 2022, compared to 45.2% average in the last three years.
Equity represented 43.7% of total assets or 210% of loans at the end of 2022. SAB Finance's non-performing loans were 0% of total loans while provisions covered some of NPLs at the end of 2022.
SAB Finance stock traded at per share at the end of 2022 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 14.2% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 12.6x and price to book value (PBV) of 2.23x in 2022.
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