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SAB Finance Group

SAB Finance Group's net profit rose 65.0% yoy to CZK 133 mil in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group made a net profit of CZK 248 mil under revenues of CZK 633 mil in 2023, up 11.9% and 10.5% respectively compared to...

SAB Finance Group's customer loans rose 45.9% yoy to CZK 2,426 mil in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group's customer loans reached CZK 2,426 mil in 2020, up 45.9% compared to the previous year. Czech banking sector ...

SAB Finance Group's customer deposits rose 58.6% yoy to CZK 4,241 mil in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group's customer deposits reached CZK 4,241 mil in 2020, up 58.6% compared to the previous year. Czech banking sect...

Profit Statement 2018 2019 2020
Net Interest Income CZK mil -7.66 13.6 38.1
Net Fee Income CZK mil -13.4 -10.3 -10.3
Other Income CZK mil 224 290 356
Total Revenues CZK mil 203 293 384
Staff Cost CZK mil 123 127 134
Operating Profit CZK mil -0.150 75.2 162
Provisions CZK mil 3.73 -5.50 9.81
Net Profit CZK mil -17.0 80.9 133
Balance Sheet 2018 2019 2020
Interbank Loans CZK mil 526 487 407
Customer Loans CZK mil 1,577 1,662 2,426
Investments CZK mil 174 124 1,415
Total Assets CZK mil 3,742 3,847 5,754
Shareholders' Equity CZK mil 743 817 1,223
Interbank Borrowing CZK mil 61.9 214 381
Customer Deposits CZK mil 2,763 2,674 4,241
Issued Debt Securities CZK mil 0 0 31.1
Ratios 2018 2019 2020
ROE % -2.72 10.4 13.1
ROA % -0.616 2.13 2.78
Costs (As % Of Assets) % 7.38 5.75 4.63
Costs (As % Of Income) % 100 74.4 57.9
Net Interest Margin % -0.278 0.359 0.793
Loans (As % Of Deposits) % 57.1 62.2 57.2
NPLs (As % Of Loans) % 12.9 6.50 8.09
Provisions (As % Of NPLs) % 10.2 20.9 16.2
Valuation 2018 2019 2020
Market Capitalisation USD mil ... ... 127
Number Of Shares mil ... 1.85 2.58
Share Price CZK ... ... 1,056
Price/Earnings (P/E) ... ... 20.4
Price/Book Value (P/BV) ... ... 2.23
Dividend Yield % ... ... 3.67
Earnings Per Share (EPS) CZK ... 43.8 51.8
Book Value Per Share CZK ... 442 474
Dividend Per Share CZK ... 37.9 38.8

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summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                        
Net Interest Income CZK mil ... ... ... ... ... ... ...         6.88 -1.05 -0.502 -7.66 13.6        
Total Revenues CZK mil ... ... ... ... ... ... ...         136 116 168 203 293        
Operating Profit CZK mil ... ... ... ... ... ... ...         49.8 41.3 67.7 -0.150 75.2        
Net Profit CZK mil ... ... ... ... ... ... ...         37.2 32.8 54.8 -17.0 80.9        
balance sheet                                        
Interbank Loans CZK mil ... ... ... ... ... ... ...         88.0 264 275 526 487        
Customer Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 1,577 1,662        
Investments CZK mil ... ... ... ... ... ... ...         34.2 35.5 30.1 174 124        
Total Assets CZK mil ... ... ... ... ... ... ...         621 1,116 1,776 3,742 3,847        
                                           
Shareholders' Equity CZK mil ... ... ... ... ... ... ...         250 247 505 743 817        
Interbank Borrowing CZK mil ... ... ... ... ... ... ...         84.7 66.5 19.6 61.9 214        
Customer Deposits CZK mil ... ... ... ... ... ... ...         204 796 1,232 2,763 2,674        
Issued Debt Securities CZK mil ... ... ... ... ... ... ...         71.2 0 0 0 0        
ratios                                        
ROE % ... ... ... ... ... ... ... ...       15.0 13.2 14.6 -2.72 10.4        
ROA % ... ... ... ... ... ... ... ...       5.99 3.77 3.79 -0.616 2.13        
Costs (As % Of Assets) % ... ... ... ... ... ... ... ...       13.9 8.62 6.95 7.38 5.75        
Costs (As % Of Income) % ... ... ... ... ... ... ...         63.5 64.4 59.7 100 74.4        
Net Interest Margin % ... ... ... ... ... ... ... ...       1.11 -0.121 -0.035 -0.278 0.359        
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...         5.04 -0.905 -0.298 -3.77 4.64        
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...         -9.81 -10.8 -8.37 -6.61 -3.52        
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...         58.9 65.6 63.8 60.2 58.0        
Equity (As % Of Assets) % ... ... ... ... ... ... ...         40.2 22.1 28.4 19.8 21.2        
Loans (As % Of Deposits) % ... ... ... ... ... ... ...         240 101 114 57.1 62.2        
Loans (As % Assets) % ... ... ... ... ... ... ...         78.6 71.8 79.3 42.1 43.2        
NPLs (As % Of Loans) % ... ... ... ... ... ... ...         0 0 0 12.9 6.50        
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10.2 20.9        
valuation                                        
Market Capitalisation USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.85        
Share Price CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 43.8        
Book Value Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 442        
Dividend Per Share CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 37.9        
Price/Earnings (P/E) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Price/Book Value (P/BV) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Dividend Yield % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Earnings Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Book Value Per Share Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                        
Interest Income CZK mil ... ... ... ... ... ... ...         14.8 4.24 2.03 46.2 59.4        
Interest Cost CZK mil ... ... ... ... ... ... ...         7.91 5.29 2.53 53.8 45.8        
Net Interest Income CZK mil ... ... ... ... ... ... ...         6.88 -1.05 -0.502 -7.66 13.6        
Net Fee Income CZK mil ... ... ... ... ... ... ...         -13.4 -12.5 -14.1 -13.4 -10.3        
Other Income CZK mil ... ... ... ... ... ... ...         143 130 183 224 290        
Total Revenues CZK mil ... ... ... ... ... ... ...         136 116 168 203 293        
Staff Cost CZK mil ... ... ... ... ... ... ...         51.0 49.1 64.1 123 127        
Depreciation CZK mil ... ... ... ... ... ... ...         17.8 6.82 1.38 4.88 9.23        
Other Cost CZK mil ... ... ... ... ... ... ...         17.8 18.9 35.0 76.1 82.5        
Operating Cost CZK mil ... ... ... ... ... ... ...         86.6 74.8 101 204 218        
Operating Profit CZK mil ... ... ... ... ... ... ...         49.8 41.3 67.7 -0.150 75.2        
Provisions CZK mil ... ... ... ... ... ... ...         0.086 -1.43 0 3.73 -5.50        
Extra and Other Cost CZK mil ... ... ... ... ... ... ...         -0.021 0 0 0.123 -9.14        
Pre-Tax Profit CZK mil ... ... ... ... ... ... ...         49.8 42.8 67.7 -4.00 89.8        
Tax CZK mil ... ... ... ... ... ... ...         12.5 9.80 12.9 13.0 28.9        
Minorities CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Net Profit CZK mil ... ... ... ... ... ... ...         37.2 32.8 54.8 -17.0 80.9        
Net Profit Avail. to Common CZK mil ... ... ... ... ... ... ...         37.2 32.8 54.8 -17.0 80.9        
Dividends CZK mil ... ... ... ... ... ... ...         35.4 31.1 52.1 67.6 70.0        
growth rates                                        
Net Interest Income Growth % ... ... ... ... ... ... ... ...       40.5 -115 -52.2 1,426 -278        
Net Fee Income Growth % ... ... ... ... ... ... ... ... ...     0.397 -6.59 12.5 -4.53 -23.1        
Total Revenue Growth % ... ... ... ... ... ... ... ...       3.63 -14.9 44.8 20.9 44.3        
Operating Cost Growth % ... ... ... ... ... ... ... ...       1.11 -13.6 34.4 103 7.27        
Operating Profit Growth % ... ... ... ... ... ... ... ...       8.32 -17.0 63.8 -100 -50,157        
Pre-Tax Profit Growth % ... ... ... ... ... ... ... ...       8.14 -14.1 58.3 -106 -2,343        
Net Profit Growth % ... ... ... ... ... ... ... ...       8.19 -12.0 67.3 -131 -576        
market share                                        
Market Share in Revenues % ... ... ... ... ... ... ...         0.078 0.064 0.094 0.107 ... ... ... ... ...
Market Share in Net Profit % ... ... ... ... ... ... ...         0.056 0.045 0.073 ... ... ... ... ... ...
Market Share in Employees % ... ... ... ... ... ... ...         0.112 0.122 0.124 0.206 ... ... ... ... ...
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
balance sheet                                        
Cash & Cash Equivalents CZK mil ... ... ... ... ... ... ...         0.008 0 0 1,190 1,231        
Interbank Loans CZK mil ... ... ... ... ... ... ...         88.0 264 275 526 487        
Customer Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 1,577 1,662        
Retail Loans CZK mil ... ... ... ... ... ... ...         0 0 0 0 25.5        
Corporate Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 1,577 1,598        
Investments CZK mil ... ... ... ... ... ... ...         34.2 35.5 30.1 174 124        
Property and Equipment CZK mil ... ... ... ... ... ... ...         2.31 1.13 26.6 79.5 82.2        
Intangible Assets CZK mil ... ... ... ... ... ... ...         6.43 2.77 3.07 20.3 32.9        
Goodwill CZK mil ... ... ... ... ... ... ...       ... ... ... ... ... ... ... ... ... ...
Total Assets CZK mil ... ... ... ... ... ... ...         621 1,116 1,776 3,742 3,847        
                                           
Shareholders' Equity CZK mil ... ... ... ... ... ... ...         250 247 505 743 817        
Of Which Minority Interest CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Liabilities CZK mil ... ... ... ... ... ... ...         371 869 1,271 3,000 3,031        
Interbank Borrowing CZK mil ... ... ... ... ... ... ...         84.7 66.5 19.6 61.9 214        
Customer Deposits CZK mil ... ... ... ... ... ... ...         204 796 1,232 2,763 2,674        
Retail Deposits CZK mil ... ... ... ... ... ... ...         0 0 0 ... ... ... ... ... ...
Corporate Deposits CZK mil ... ... ... ... ... ... ...         204 796 1,232 ... ... ... ... ... ...
Sight Deposits CZK mil ... ... ... ... ... ... ...         194 776 1,148 2,024 1,695   ... ... ...
Term Deposits CZK mil ... ... ... ... ... ... ...         10.0 20.0 84.0 738 979   ... ... ...
Issued Debt Securities CZK mil ... ... ... ... ... ... ...         71.2 0 0 0 0        
Subordinated Debt CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Other Liabilities CZK mil ... ... ... ... ... ... ...         11.6 6.47 19.6 175 143        
asset quality                                        
Non-Performing Loans CZK mil ... ... ... ... ... ... ...         0 0 0 205 109        
Gross Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 1,598 1,676        
Total Provisions CZK mil ... ... ... ... ... ... ...         0 0 0 20.9 22.8        
growth rates                                        
Customer Loan Growth % ... ... ... ... ... ... ... ...       10.5 64.2 75.9 11.9 5.40        
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Corporate Loan Growth % ... ... ... ... ... ... ... ...       10.5 64.2 75.9 11.9 1.37        
Total Asset Growth % ... ... ... ... ... ... ... ...       -0.128 79.7 59.2 111 2.80        
Shareholders' Equity Growth % ... ... ... ... ... ... ... ...       1.85 -1.05 104 47.1 9.92        
Customer Deposit Growth % ... ... ... ... ... ... ... ...       -21.9 291 54.8 124 -3.22        
Corporate Deposit Growth % ... ... ... ... ... ... ... ...       -21.9 291 54.8 ... ... ... ... ... ...
market share                                        
Market Share in Customer Loans % ... ... ... ... ... ... ...         0.018 0.027 0.046 0.048 0.048   ... ... ...
Market Share in Corporate Loans % ... ... ... ... ... ... ...         0.053 0.082 0.138 0.146 0.143   ... ... ...
Market Share in Consumer Loans % ... ... ... ... ... ... ...         0 0 0 0 0.001   ... ... ...
Market Share in Total Assets % ... ... ... ... ... ... ...         0.011 0.019 0.025 0.051 0.051   ... ... ...
Market Share in Customer Deposits % ... ... ... ... ... ... ...         0.006 0.021 0.030 0.062 0.056   ... ... ...
Market Share in Retail Deposits % ... ... ... ... ... ... ...         0 0 0 ... ... ... ... ... ...
Market Share in Corporate Deposits % ... ... ... ... ... ... ...         0.022 0.087 0.124 ... ... ... ... ... ...
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                         
ROE % ... ... ... ... ... ... ... ...       15.0 13.2 14.6 -2.72 10.4        
ROTE % ... ... ... ... ... ... ... ...       16.0 13.4 14.7 -2.77 10.7        
ROA % ... ... ... ... ... ... ... ...       5.99 3.77 3.79 -0.616 2.13        
Return on Loans % ... ... ... ... ... ... ... ...       8.01 5.08 4.96 -1.14 4.99        
operating profit (as % of rwa)                                        
Costs (As % Of Assets) % ... ... ... ... ... ... ... ...       13.9 8.62 6.95 7.38 5.75        
Costs (As % Of Income) % ... ... ... ... ... ... ...         63.5 64.4 59.7 100 74.4        
Costs (As % Of Loans) % ... ... ... ... ... ... ... ...       18.6 11.6 9.10 13.6 13.5        
Costs (As % Of Loans & Deposits) % ... ... ... ... ... ... ... ...       12.4 6.54 4.74 5.83 5.03        
Net Interest Margin % ... ... ... ... ... ... ... ...       1.11 -0.121 -0.035 -0.278 0.359        
Interest Spread % ... ... ... ... ... ... ... ...       0.265 -0.365 -0.096 -0.848 0.047        
Asset Yield % ... ... ... ... ... ... ... ...       2.38 0.488 0.140 1.67 1.57        
revenues (as % of rwa)                                        
Cost Of Liabilities % ... ... ... ... ... ... ... ...       2.12 0.853 0.236 2.52 1.52        
Payout Ratio % ... ... ... ... ... ... ...         95.0 95.0 95.0 -398 86.5        
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...         5.04 -0.905 -0.298 -3.77 4.64        
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...         -9.81 -10.8 -8.37 -6.61 -3.52        
Other Income (As % Of Revenues) % ... ... ... ... ... ... ...         105 112 109 110 98.9        
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...         58.9 65.6 63.8 60.2 58.0        
Equity (As % Of Assets) % ... ... ... ... ... ... ...         40.2 22.1 28.4 19.8 21.2        
Equity (As % Of Loans) % ... ... ... ... ... ... ...         51.2 30.8 35.8 47.1 49.1        
Loans (As % Of Deposits) % ... ... ... ... ... ... ...         240 101 114 57.1 62.2        
Loans (As % Assets) % ... ... ... ... ... ... ...         78.6 71.8 79.3 42.1 43.2        
NPLs (As % Of Loans) % ... ... ... ... ... ... ...         0 0 0 12.9 6.50        
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10.2 20.9        
Provisions (As % Of Loans) % ... ... ... ... ... ... ...         0 0 0 1.32 1.37        
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ... ...       0.019 -0.222 0 0.250 -0.340        
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                         
Employees ... ... ... ... ... ... ...         46.0 50.0 52.0 86.1 99.1        
Cost Per Employee USD per month ... ... ... ... ... ... ...         3,872 3,242 4,380 5,424 4,722        
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ... ... ...         92,422 81,791 102,771 118,675 106,448        
customer breakdown Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                         
Customers mil                       0.015 0.015 0.016 ... ... ... ... ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ...         9,288 7,744 10,438 ... ... ... ... ... ...
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ...         2,534 2,184 3,401 ... ... ... ... ... ...
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ...         33,206 53,406 87,403 ... ... ... ... ... ...
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ...         13,856 53,050 76,429 ... ... ... ... ... ...
Revenue per Customer USD ... ... ... ... ... ... ...         389 307 445 ... ... ... ... ... ...
Net Profit per Customer USD ... ... ... ... ... ... ...         106 86.6 145 ... ... ... ... ... ...
Loan per Customer USD ... ... ... ... ... ... ...         1,338 2,083 4,105 ... ... ... ... ... ...
Deposit per Customer USD ... ... ... ... ... ... ...         558 2,069 3,590 ... ... ... ... ... ...
Client Transactions Turnover CZK mil                       144,450 159,900 219,300 250,100 280,900 ... ... ... ...
Transactions Turnover per Client CZK mil                       9.83 10.7 13.6 ... ... ... ... ... ...
Margin on Client Transactions % ... ... ... ... ... ... ...         0.099 0.081 0.083 0.090 0.103 ... ... ... ...

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SAB Finance Group's total revenues rose 20.9% yoy to CZK 203 mil in 2018

By Helgi Analytics - October 3, 2021

SAB Finance Group generated total banking revenues of CZK 203 mil in 2018, up 20.9% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 190,399 mil in 2018, up 6.26% when compared to the last year. ...

SAB Finance Group's net interest margin rose 121% yoy to 0.793% in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group's net interest margin amounted to 1.95% in 2023, down from 2.02% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.02% in 2022 and an all time low of -1.21% in 2012. The average m...

SAB Finance Group's corporate loans rose 42.2% yoy to CZK 2,273 mil in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group's corporate loans reached CZK 2,273 mil in 2020, up 42.2% compared to the previous year. Czech banking sector provided corporate loans of CZK 1,123 bil in 2020, up 0.280% when compared to the last year. SAB Finance Group accounted for 0....

SAB Finance Group's corporate deposits rose 54.8% yoy to CZK 1,232 mil in 2017

By Helgi Analytics - October 3, 2021

SAB Finance Group's corporate deposits reached CZK 1,232 mil in 2017, up 54.8% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 997 bil in 2017, up 8.82% when compared to the last year. SAB Finance Group accounted for...

SAB Finance Group's npls (as % of loans) rose 24.5% yoy to 8.09% in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group's non-performing loans reached 6.17% of total loans at the end of 2023, down from 6.29% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.9% in 2018 and an all time low of 6.17% in 2023. Provision covera...

SAB Finance Group's net interest income rose 179% yoy to CZK 38.1 mil in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group generated total banking revenues of CZK 633 mil in 2023, up 10.5% 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 633 mil in 2023 and an...

SAB Finance Group's retail deposits remain unchanged yoy at CZK 0 mil in 2017

By Helgi Analytics - October 3, 2021

SAB Finance Group's retail deposits reached CZK 0 mil in 2017, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 2,370 bil in 2017, up 7.28% when compared to the last year. SAB Finance Group accounted for 0% of al...

SAB Finance Group's customer loan growth rose 750% yoy to 45.9% in 2020

By Helgi Analytics - October 3, 2021

SAB Finance Group's customer loan growth reached 16.7% in 2023, down from 56.4% 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 -8.11% in 2014. In the last decade, the av...

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Finance

SAB Finance Group has been growing its revenues and asset by 25.5% and 32.1% a year on average in the last 5 years. Its loans and deposits have grown by 42.2% and 32.1% a year during that time and loans to deposits ratio reached 82.5% at the end of 2023. The company achieved an average return on equity of 11.6% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 52.6% in 2023, compared to 59.0% average in the last five years.

Equity represented 13.8% of total assets or 22.6% of loans at the end of 2023. SAB Finance Group's non-performing loans were 6.17% of total loans while provisions covered some 8.91% of NPLs at the end of 2023.

Valuation

SAB Finance Group stock traded at per share at the end of 2023 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 11.5% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 13.2x and price to book value (PBV) of 1.58x in 2023.