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SAB Finance

SAB Finance's total revenues rose 27.1% yoy to CZK 214 mil in 2018

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...

SAB Finance's net profit rose 58.5% yoy to CZK 117 mil in 2020

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...

SAB Finance's net interest margin fell 796% yoy to -0.402% in 2020

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 2018 2019 2020
Net Interest Income CZK mil 4.47 0.906 -6.79
Net Fee Income CZK mil -13.9 -14.4 -12.0
Other Income CZK mil 223 233 292
Total Revenues CZK mil 214 219 273
Staff Cost CZK mil 87.2 88.5 89.7
Operating Profit CZK mil 87.6 81.5 142
Provisions CZK mil -0.433 0.112 -1.98
Net Profit CZK mil 71.2 73.7 117
Balance Sheet 2018 2019 2020
Interbank Loans CZK mil 339 210 261
Customer Loans CZK mil 933 666 580
Investments CZK mil 376 395 965
Total Assets CZK mil 1,728 1,409 1,967
Shareholders' Equity CZK mil 743 817 1,223
Interbank Borrowing CZK mil 61.9 202 85.3
Customer Deposits CZK mil 904 363 585
Issued Debt Securities CZK mil 0 0 0
Ratios 2018 2019 2020
ROE % 11.4 9.45 11.4
ROA % 4.06 4.70 6.91
Costs (As % Of Assets) % 7.21 8.77 7.76
Costs (As % Of Income) % 59.0 62.8 47.9
Net Interest Margin % 0.255 0.058 -0.402
Loans (As % Of Deposits) % 103 183 99.1
NPLs (As % Of Loans) % 0 0 0
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) ... ... 23.3
Price/Book Value (P/BV) ... ... 2.23
Dividend Yield % ... ... 3.67
Earnings Per Share (EPS) CZK ... 39.9 45.3
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 4.47 0.906        
Total Revenues CZK mil ... ... ... ... ... ... ...         136 116 168 214 219        
Operating Profit CZK mil ... ... ... ... ... ... ...         49.8 41.3 67.7 87.6 81.5        
Net Profit CZK mil ... ... ... ... ... ... ...         37.2 32.8 54.8 71.2 73.7        
balance sheet                                        
Interbank Loans CZK mil ... ... ... ... ... ... ...         88.0 264 275 339 210        
Customer Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 933 666        
Investments CZK mil ... ... ... ... ... ... ...         34.2 35.5 30.1 376 395        
Total Assets CZK mil ... ... ... ... ... ... ...         621 1,116 1,776 1,728 1,409        
                                           
Shareholders' Equity CZK mil ... ... ... ... ... ... ...         250 247 505 743 817        
Interbank Borrowing CZK mil ... ... ... ... ... ... ...         84.7 66.5 19.6 61.9 202        
Customer Deposits CZK mil ... ... ... ... ... ... ...         204 796 1,232 904 363        
Issued Debt Securities CZK mil ... ... ... ... ... ... ...         71.2 0 0 0 0        
ratios                                        
ROE % ... ... ... ... ... ... ... ...       15.0 13.2 14.6 11.4 9.45        
ROA % ... ... ... ... ... ... ... ...       5.99 3.77 3.79 4.06 4.70        
Costs (As % Of Assets) % ... ... ... ... ... ... ... ...       13.9 8.62 6.95 7.21 8.77        
Costs (As % Of Income) % ... ... ... ... ... ... ...         63.5 64.4 59.7 59.0 62.8        
Net Interest Margin % ... ... ... ... ... ... ... ...       1.11 -0.121 -0.035 0.255 0.058        
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...         5.04 -0.905 -0.298 2.09 0.414        
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...         -9.81 -10.8 -8.37 -6.51 -6.58        
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...         58.9 65.6 63.8 69.0 64.4        
Equity (As % Of Assets) % ... ... ... ... ... ... ...         40.2 22.1 28.4 43.0 57.9        
Loans (As % Of Deposits) % ... ... ... ... ... ... ...         240 101 114 103 183        
Loans (As % Assets) % ... ... ... ... ... ... ...         78.6 71.8 79.3 54.0 47.3        
NPLs (As % Of Loans) % ... ... ... ... ... ... ...         0 0 0 0 0        
valuation                                        
Market Capitalisation USD mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Number Of Shares mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.85        
Share Price CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Earnings Per Share (EPS) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 39.9        
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 8.02 9.03        
Interest Cost CZK mil ... ... ... ... ... ... ...         7.91 5.29 2.53 3.55 8.12        
Net Interest Income CZK mil ... ... ... ... ... ... ...         6.88 -1.05 -0.502 4.47 0.906        
Net Fee Income CZK mil ... ... ... ... ... ... ...         -13.4 -12.5 -14.1 -13.9 -14.4        
Fee Income CZK mil ... ... ... ... ... ... ...         2.37 2.59 2.78 2.77 2.49   ... ... ...
Fee Expense CZK mil ... ... ... ... ... ... ...         15.8 15.1 16.8 16.7 16.9   ... ... ...
Other Income CZK mil ... ... ... ... ... ... ...         143 130 183 223 233        
Total Revenues CZK mil ... ... ... ... ... ... ...         136 116 168 214 219        
Staff Cost CZK mil ... ... ... ... ... ... ...         51.0 49.1 64.1 87.2 88.5        
Depreciation CZK mil ... ... ... ... ... ... ...         17.8 6.82 1.38 1.82 5.18        
Other Cost CZK mil ... ... ... ... ... ... ...         17.8 18.9 35.0 37.3 43.8        
Operating Cost CZK mil ... ... ... ... ... ... ...         86.6 74.8 101 126 138        
Operating Profit CZK mil ... ... ... ... ... ... ...         49.8 41.3 67.7 87.6 81.5        
Provisions CZK mil ... ... ... ... ... ... ...         0.086 -1.43 0 -0.433 0.112        
Extra and Other Cost CZK mil ... ... ... ... ... ... ...         -0.021 0 0 0.123 -9.64        
Pre-Tax Profit CZK mil ... ... ... ... ... ... ...         49.8 42.8 67.7 88.0 91.0        
Tax CZK mil ... ... ... ... ... ... ...         12.5 9.80 12.9 16.8 17.3        
Minorities CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Net Profit CZK mil ... ... ... ... ... ... ...         37.2 32.8 54.8 71.2 73.7        
Net Profit Avail. to Common CZK mil ... ... ... ... ... ... ...         37.2 32.8 54.8 71.2 73.7        
Dividends CZK mil ... ... ... ... ... ... ...         35.4 31.1 52.1 67.6 70.0        
growth rates                                        
Net Interest Income Growth % ... ... ... ... ... ... ... ...       40.5 -115 -52.2 -992 -79.8        
Net Fee Income Growth % ... ... ... ... ... ... ... ... ...     0.397 -6.59 12.5 -1.05 3.49        
Total Revenue Growth % ... ... ... ... ... ... ... ...       3.63 -14.9 44.8 27.1 2.39        
Operating Cost Growth % ... ... ... ... ... ... ... ...       1.11 -13.6 34.4 25.6 8.92        
Operating Profit Growth % ... ... ... ... ... ... ... ...       8.32 -17.0 63.8 29.4 -7.00        
Pre-Tax Profit Growth % ... ... ... ... ... ... ... ...       8.14 -14.1 58.3 29.9 3.50        
Net Profit Growth % ... ... ... ... ... ... ... ...       8.19 -12.0 67.3 29.8 3.51        
market share                                        
Market Share in Revenues % ... ... ... ... ... ... ...         0.078 0.064 0.094 0.112 ... ... ... ... ...
Market Share in Net Profit % ... ... ... ... ... ... ...         0.056 0.045 0.073 0.087 ... ... ... ... ...
Market Share in Employees % ... ... ... ... ... ... ...         0.112 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 ... ... ... ... ... ... ...         0.008 0 0 0 0        
Interbank Loans CZK mil ... ... ... ... ... ... ...         88.0 264 275 339 210        
Customer Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 933 666        
Retail Loans CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Corporate Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 933 666        
Investments CZK mil ... ... ... ... ... ... ...         34.2 35.5 30.1 376 395        
Property and Equipment CZK mil ... ... ... ... ... ... ...         2.31 1.13 26.6 26.9 31.3        
Intangible Assets CZK mil ... ... ... ... ... ... ...         6.43 2.77 3.07 10.5 17.6        
Goodwill CZK mil ... ... ... ... ... ... ...       ... ... ... ... ... ... ... ... ... ...
Total Assets CZK mil ... ... ... ... ... ... ...         621 1,116 1,776 1,728 1,409        
                                           
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 1,271 985 593        
Interbank Borrowing CZK mil ... ... ... ... ... ... ...         84.7 66.5 19.6 61.9 202        
Customer Deposits CZK mil ... ... ... ... ... ... ...         204 796 1,232 904 363        
Retail Deposits CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Corporate Deposits CZK mil ... ... ... ... ... ... ...         204 796 1,232 904 363        
Sight Deposits CZK mil ... ... ... ... ... ... ...         194 776 1,148 888 360        
Term Deposits CZK mil ... ... ... ... ... ... ...         10.0 20.0 84.0 15.5 3.52        
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 19.3 27.6        
asset quality                                        
Non-Performing Loans CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
Gross Loans CZK mil ... ... ... ... ... ... ...         488 801 1,409 933 666        
Total Provisions CZK mil ... ... ... ... ... ... ...         0 0 0 0 0        
growth rates                                        
Customer Loan Growth % ... ... ... ... ... ... ... ...       10.5 64.2 75.9 -33.8 -28.6        
Corporate Loan Growth % ... ... ... ... ... ... ... ...       10.5 64.2 75.9 -33.8 -28.6        
Total Asset Growth % ... ... ... ... ... ... ... ...       -0.128 79.7 59.2 -2.70 -18.5        
Shareholders' Equity Growth % ... ... ... ... ... ... ... ...       1.85 -1.05 104 47.1 9.92        
Customer Deposit Growth % ... ... ... ... ... ... ... ...       -21.9 291 54.8 -26.6 -59.8        
Corporate Deposit Growth % ... ... ... ... ... ... ... ...       -21.9 291 54.8 -26.6 -59.8        
market share                                        
Market Share in Customer Loans % ... ... ... ... ... ... ...         0.018 0.027 0.046 0.028 0.019   ... ... ...
Market Share in Corporate Loans % ... ... ... ... ... ... ...         0.053 0.082 0.138 0.086 0.059   ... ... ...
Market Share in Consumer Loans % ... ... ... ... ... ... ...         0 0 0 0 0   ... ... ...
Market Share in Total Assets % ... ... ... ... ... ... ...         0.011 0.019 0.025 0.024 0.019   ... ... ...
Market Share in Customer Deposits % ... ... ... ... ... ... ...         0.006 0.021 0.030 0.020 0.008   ... ... ...
Market Share in Retail Deposits % ... ... ... ... ... ... ...         0 0 0 0 0   ... ... ...
Market Share in Corporate Deposits % ... ... ... ... ... ... ...         0.022 0.087 0.124 0.087 0.033   ... ... ...
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 11.4 9.45        
ROTE % ... ... ... ... ... ... ... ...       16.0 13.4 14.7 11.5 9.62        
ROA % ... ... ... ... ... ... ... ...       5.99 3.77 3.79 4.06 4.70        
Return on Loans % ... ... ... ... ... ... ... ...       8.01 5.08 4.96 6.08 9.22        
operating profit (as % of rwa)                                        
Costs (As % Of Assets) % ... ... ... ... ... ... ... ...       13.9 8.62 6.95 7.21 8.77        
Costs (As % Of Income) % ... ... ... ... ... ... ...         63.5 64.4 59.7 59.0 62.8        
Costs (As % Of Loans) % ... ... ... ... ... ... ... ...       18.6 11.6 9.10 10.8 17.2        
Costs (As % Of Loans & Deposits) % ... ... ... ... ... ... ... ...       12.4 6.54 4.74 5.64 9.60        
Net Interest Margin % ... ... ... ... ... ... ... ...       1.11 -0.121 -0.035 0.255 0.058        
Interest Spread % ... ... ... ... ... ... ... ...       0.265 -0.365 -0.096 0.143 -0.454        
Asset Yield % ... ... ... ... ... ... ... ...       2.38 0.488 0.140 0.458 0.575        
revenues (as % of rwa)                                        
Cost Of Liabilities % ... ... ... ... ... ... ... ...       2.12 0.853 0.236 0.314 1.03        
Payout Ratio % ... ... ... ... ... ... ...         95.0 95.0 95.0 95.0 95.0        
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...         5.04 -0.905 -0.298 2.09 0.414        
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...         -9.81 -10.8 -8.37 -6.51 -6.58        
Other Income (As % Of Revenues) % ... ... ... ... ... ... ...         105 112 109 104 106        
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...         58.9 65.6 63.8 69.0 64.4        
Equity (As % Of Assets) % ... ... ... ... ... ... ...         40.2 22.1 28.4 43.0 57.9        
Equity (As % Of Loans) % ... ... ... ... ... ... ...         51.2 30.8 35.8 79.6 123        
Loans (As % Of Deposits) % ... ... ... ... ... ... ...         240 101 114 103 183        
Loans (As % Assets) % ... ... ... ... ... ... ...         78.6 71.8 79.3 54.0 47.3        
NPLs (As % Of Loans) % ... ... ... ... ... ... ...         0 0 0 0 0        
Provisions (As % Of Loans) % ... ... ... ... ... ... ...         0 0 0 0 0        
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ... ...       0.019 -0.222 0 -0.037 0.014        
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 60.0 68.0        
Cost Per Employee USD per month ... ... ... ... ... ... ...         3,872 3,242 4,380 5,533 4,811        
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ... ... ...         92,422 81,791 102,771 121,057 108,459        
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 0.017 0.018        
                                           
Market Value per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ...         9,288 7,744 10,438 12,562 12,212        
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ...         2,534 2,184 3,401 4,180 4,107        
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ...         33,206 53,406 87,403 54,781 37,134        
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ...         13,856 53,050 76,429 53,086 20,252        
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...        
Revenue per Customer USD ... ... ... ... ... ... ...         389 307 445 574 542        
Net Profit per Customer USD ... ... ... ... ... ... ...         106 86.6 145 191 182        
Loan per Customer USD ... ... ... ... ... ... ...         1,338 2,083 4,105 2,438 1,642        
Deposit per Customer USD ... ... ... ... ... ... ...         558 2,069 3,590 2,363 895        
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 14.7 15.7 ... ... ... ...
Margin on Client Transactions % ... ... ... ... ... ... ...         0.099 0.081 0.083 0.089 0.083 ... ... ... ...

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SAB Finance's customer deposits rose 61.2% yoy to CZK 585 mil in 2020

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...

SAB Finance's customer loans fell 12.9% yoy to CZK 580 mil in 2020

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...

SAB Finance's net interest income fell 849% yoy to CZK -6.79 mil in 2020

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...

SAB Finance's retail deposits remain unchanged yoy at CZK 0 mil in 2020

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...

SAB Finance's corporate loans fell 12.9% yoy to CZK 580 mil in 2020

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 ...

SAB Finance's corporate deposits rose 61.2% yoy to CZK 585 mil in 2020

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...

SAB Finance's customer loan growth rose 54.8% yoy to -12.9% in 2020

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 ...

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Finance

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.

Valuation

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.