By Helgi Analytics - August 23, 2021
SAB Finance generated total banking revenues of CZK 214 mil in 2018, up 27.1% compared to the previous year. Czech banking...
By Helgi Analytics - October 3, 2021
SAB Finance made a net profit of CZK 135 mil under revenues of CZK 320 mil in 2023, up 5.00% and 5.08% respectively compared to the p...
By Helgi Analytics - October 3, 2021
SAB Finance's net interest margin amounted to -0.359% in 2023, down from -0.355% compared to the previous year. Historical...
| Profit Statement | 2021 | 2022 | 2023 | |
| Net Interest Income | CZK mil | -6.99 | -7.20 | -7.42 |
| Net Fee Income | CZK mil | -12.3 | -12.7 | -13.1 |
| Other Income | CZK mil | 309 | 324 | 340 |
| Total Revenues | CZK mil | 290 | 304 | 320 |
| Staff Cost | CZK mil | 95.0 | 101 | 107 |
| Operating Profit | CZK mil | 152 | 159 | 167 |
| Provisions | CZK mil | 0.500 | 0.500 | 0.500 |
| Net Profit | CZK mil | 123 | 129 | 135 |
| Balance Sheet | 2021 | 2022 | 2023 | |
| Interbank Loans | CZK mil | 271 | 282 | 293 |
| Customer Loans | CZK mil | 603 | 627 | 652 |
| Investments | CZK mil | 965 | 965 | 965 |
| Total Assets | CZK mil | 2,007 | 2,047 | 2,088 |
| Shareholders' Equity | CZK mil | 1,245 | 1,263 | 1,283 |
| Interbank Borrowing | CZK mil | 88.7 | 92.3 | 95.9 |
| Customer Deposits | CZK mil | 609 | 633 | 658 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2021 | 2022 | 2023 | |
| ROE | % | 9.94 | 10.3 | 10.6 |
| ROA | % | 6.17 | 6.35 | 6.54 |
| Costs (As % Of Assets) | % | 6.93 | 7.15 | 7.37 |
| Costs (As % Of Income) | % | 47.6 | 47.6 | 47.7 |
| Net Interest Margin | % | -0.352 | -0.355 | -0.359 |
| Loans (As % Of Deposits) | % | 99.1 | 99.1 | 99.1 |
| NPLs (As % Of Loans) | % | 0 | 0 | 0 |
| Valuation | 2021 | 2022 | 2023 | |
| Market Capitalisation | USD mil | 119 | 119 | 119 |
| Number Of Shares | mil | 2.58 | 2.58 | 2.58 |
| Share Price | CZK | 1,060 | 1,060 | 1,060 |
| Price/Earnings (P/E) | 22.3 | 21.2 | 20.2 | |
| Price/Book Value (P/BV) | 2.19 | 2.16 | 2.13 | |
| Dividend Yield | % | 4.04 | 4.24 | 4.45 |
| Earnings Per Share (EPS) | CZK | 47.6 | 49.9 | 52.4 |
| Book Value Per Share | CZK | 483 | 490 | 498 |
| Dividend Per Share | CZK | 42.8 | 44.9 | 47.2 |
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 | 2023 |
| 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 | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.31 |
| 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 | ... | ... | ... | ... | ... | ... | ... | 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 | -79.8 | -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 | ... | ... | ... | ... | ... | |||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | 0.045 | 0.073 | 0.087 | ... | ... | ... | ... | ... | |||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | 0.122 | 0.124 | 0.143 | ... | ... | ... | ... | ... |
| 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 | 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 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 | 2023 |
| 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 | 2023 |
| 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 | 2023 |
| 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 Analytics - August 23, 2021
SAB Finance's customer deposits reached CZK 585 mil in 2020, up 61.2% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020, up 8.92% when compared to the last year. SAB Finance accounted for 0.011% of all...
By Helgi Analytics - August 23, 2021
SAB Finance's customer loans reached CZK 580 mil in 2020, down 12.9% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020, up 4.20% when compared to the last year. SAB Finance accounted for 0.016% of all cus...
By Helgi Analytics - October 3, 2021
SAB Finance generated total banking revenues of CZK 320 mil in 2023, up 5.08% 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 320 mil in 2023 and an all t...
By Helgi Analytics - October 3, 2021
SAB Finance's retail deposits reached CZK 0 mil in 2020, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,057 bil in 2020, up 12.2% when compared to the last year. SAB Finance accounted for 0% of all retail dep...
By Helgi Analytics - October 3, 2021
SAB Finance's corporate loans reached CZK 580 mil in 2020, down 12.9% 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 accounted for 0.052% of all ...
By Helgi Analytics - October 3, 2021
SAB Finance's corporate deposits reached CZK 585 mil in 2020, up 61.2% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,218 bil in 2020, up 11.2% when compared to the last year. SAB Finance accounted for 0.048% of a...
By Helgi Analytics - October 3, 2021
SAB Finance's customer loan growth reached 4.00% in 2023, down from 4.00% 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 ...
SAB Finance has been growing its revenues and asset by 5.36% and 2.00% a year on average in the last 3 years. Its loans and deposits have grown by 4.00% and 4.00% a year during that time and loans to deposits ratio reached 99.1% at the end of 2023. The company achieved an average return on equity of 10.3% in the last three years with net profit growing 5.01% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.7% in 2023, compared to 47.6% average in the last three years.
Equity represented 61.4% of total assets or 197% of loans at the end of 2023. SAB Finance's non-performing loans were 0% of total loans while provisions covered some of NPLs at the end of 2023.
SAB Finance 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 10.3% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 20.2x and price to book value (PBV) of 2.13x in 2023.
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