By Helgi Analytics - August 23, 2021
SAB Finance made a net profit of CZK 117 mil under revenues of CZK 273 mil in 2020, up 58.5% and 24.8% respectively compared to the p...
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 - August 23, 2021
SAB Finance generated total banking revenues of CZK 273 mil in 2020, up 24.8% compared to the previous year. Historically...
| 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 |
| Growth Rates | 2018 | 2019 | 2020 | |
| Total Revenue Growth | % | 27.1 | 2.39 | 24.8 |
| Operating Cost Growth | % | 25.6 | 8.92 | -4.70 |
| Operating Profit Growth | % | 29.4 | -7.00 | 74.6 |
| Net Profit Growth | % | 29.8 | 3.51 | 58.5 |
| Customer Loan Growth | % | -33.8 | -28.6 | -12.9 |
| Total Asset Growth | % | -2.70 | -18.5 | 39.6 |
| Customer Deposit Growth | % | -26.6 | -59.8 | 61.2 |
| Shareholders' Equity Growth | % | 47.1 | 9.92 | 49.7 |
| Employees | 60.0 | 68.0 | 66.0 | |
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 |
| income statement | ||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4.90 | 6.88 | -1.05 | -0.502 | 4.47 | |||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 132 | 136 | 116 | 168 | 214 | |||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 46.0 | 49.8 | 41.3 | 67.7 | 87.6 | |||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 34.4 | 37.2 | 32.8 | 54.8 | 71.2 | |||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 54.8 | 88.0 | 264 | 275 | 339 | |||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 442 | 488 | 801 | 1,409 | 933 | |||||
| Investments | CZK mil | ... | ... | ... | ... | ... | ... | ... | 92.3 | 34.2 | 35.5 | 30.1 | 376 | |||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 622 | 621 | 1,116 | 1,776 | 1,728 | |||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 245 | 250 | 247 | 505 | 743 | |||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 33.4 | 84.7 | 66.5 | 19.6 | 61.9 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 261 | 204 | 796 | 1,232 | 904 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 71.2 | 71.2 | 0 | 0 | 0 | |||||
| ratios | ||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | 14.5 | 15.0 | 13.2 | 14.6 | 11.4 | ||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.44 | 5.99 | 3.77 | 3.79 | 4.06 | ||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.5 | 13.9 | 8.62 | 6.95 | 7.21 | ||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 65.1 | 63.5 | 64.4 | 59.7 | 59.0 | |||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.774 | 1.11 | -0.121 | -0.035 | 0.255 | ||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 3.72 | 5.04 | -0.905 | -0.298 | 2.09 | |||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -10.1 | -9.81 | -10.8 | -8.37 | -6.51 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 58.3 | 58.9 | 65.6 | 63.8 | 69.0 | |||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 39.4 | 40.2 | 22.1 | 28.4 | 43.0 | |||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 169 | 240 | 101 | 114 | 103 | |||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | 71.1 | 78.6 | 71.8 | 79.3 | 54.0 | |||||
| valuation | ||||||||||||||||||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| 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 |
| income statement | ||||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 13.0 | 14.8 | 4.24 | 2.03 | 8.02 | |||||
| Interest Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 8.10 | 7.91 | 5.29 | 2.53 | 3.55 | |||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4.90 | 6.88 | -1.05 | -0.502 | 4.47 | |||||
| Net Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -13.3 | -13.4 | -12.5 | -14.1 | -13.9 | |||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.08 | 2.37 | 2.59 | 2.78 | 2.77 | |||||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | 15.4 | 15.8 | 15.1 | 16.8 | 16.7 | |||||
| Other Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 140 | 143 | 130 | 183 | 223 | |||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 132 | 136 | 116 | 168 | 214 | |||||
| Staff Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 50.0 | 51.0 | 49.1 | 64.1 | 87.2 | |||||
| Depreciation | CZK mil | ... | ... | ... | ... | ... | ... | ... | 17.9 | 17.8 | 6.82 | 1.38 | 1.82 | |||||
| Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 17.8 | 17.8 | 18.9 | 35.0 | 37.3 | |||||
| Operating Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 85.7 | 86.6 | 74.8 | 101 | 126 | |||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 46.0 | 49.8 | 41.3 | 67.7 | 87.6 | |||||
| Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | -0.019 | 0.086 | -1.43 | 0 | -0.433 | |||||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | -0.021 | 0 | 0 | 0.123 | |||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 46.0 | 49.8 | 42.8 | 67.7 | 88.0 | |||||
| Tax | CZK mil | ... | ... | ... | ... | ... | ... | ... | 11.6 | 12.5 | 9.80 | 12.9 | 16.8 | |||||
| Minorities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 34.4 | 37.2 | 32.8 | 54.8 | 71.2 | |||||
| Net Profit Avail. to Common | CZK mil | ... | ... | ... | ... | ... | ... | ... | 34.4 | 37.2 | 32.8 | 54.8 | 71.2 | |||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.7 | 35.4 | 31.1 | 52.1 | 67.6 | |||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 62.0 | 40.5 | -115 | -52.2 | -992 | ||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -37.8 | 0.397 | -6.59 | 12.5 | -1.05 | |||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 6.33 | 3.63 | -14.9 | 44.8 | 27.1 | ||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -8.48 | 1.11 | -13.6 | 34.4 | 25.6 | ||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 52.2 | 8.32 | -17.0 | 63.8 | 29.4 | ||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 72.5 | 8.14 | -14.1 | 58.3 | 29.9 | ||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 89.8 | 8.19 | -12.0 | 67.3 | 29.8 | ||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | 0.078 | 0.078 | 0.064 | 0.094 | 0.112 | ... | ... | |||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | 0.055 | 0.056 | 0.045 | 0.073 | 0.087 | ... | ... | |||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | 0.107 | 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 |
| balance sheet | ||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0.009 | 0.008 | 0 | 0 | 0 | |||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 54.8 | 88.0 | 264 | 275 | 339 | |||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 442 | 488 | 801 | 1,409 | 933 | |||||
| Investments | CZK mil | ... | ... | ... | ... | ... | ... | ... | 92.3 | 34.2 | 35.5 | 30.1 | 376 | |||||
| Property and Equipment | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.89 | 2.31 | 1.13 | 26.6 | 26.9 | |||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 23.0 | 6.43 | 2.77 | 3.07 | 10.5 | |||||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 622 | 621 | 1,116 | 1,776 | 1,728 | |||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 245 | 250 | 247 | 505 | 743 | |||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 376 | 371 | 869 | 1,271 | 985 | |||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 33.4 | 84.7 | 66.5 | 19.6 | 61.9 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 261 | 204 | 796 | 1,232 | 904 | |||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 251 | 194 | 776 | 1,148 | 888 | |||||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 10.0 | 10.0 | 20.0 | 84.0 | 15.5 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 71.2 | 71.2 | 0 | 0 | 0 | |||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 11.3 | 11.6 | 6.47 | 19.6 | 19.3 | |||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -8.11 | 10.5 | 64.2 | 75.9 | -33.8 | ||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -3.45 | -0.128 | 79.7 | 59.2 | -2.70 | ||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 7.54 | 1.85 | -1.05 | 104 | 47.1 | ||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -19.5 | -21.9 | 291 | 54.8 | -26.6 | ||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.017 | 0.018 | 0.027 | 0.046 | 0.028 | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | 0.012 | 0.011 | 0.019 | 0.025 | 0.024 | |||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0.008 | 0.006 | 0.021 | 0.030 | 0.020 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | 14.5 | 15.0 | 13.2 | 14.6 | 11.4 | ||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | 16.7 | 16.0 | 13.4 | 14.7 | 11.5 | ||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.44 | 5.99 | 3.77 | 3.79 | 4.06 | ||||
| Return on Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 7.46 | 8.01 | 5.08 | 4.96 | 6.08 | ||||
| operating profit (as % of rwa) | ||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.5 | 13.9 | 8.62 | 6.95 | 7.21 | ||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 65.1 | 63.5 | 64.4 | 59.7 | 59.0 | |||||
| Costs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 18.6 | 18.6 | 11.6 | 9.10 | 10.8 | ||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | 11.4 | 12.4 | 6.54 | 4.74 | 5.64 | ||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.774 | 1.11 | -0.121 | -0.035 | 0.255 | ||||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.010 | 0.265 | -0.365 | -0.096 | 0.143 | ||||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | 2.05 | 2.38 | 0.488 | 0.140 | 0.458 | ||||
| revenues (as % of rwa) | ||||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | ... | 2.05 | 2.12 | 0.853 | 0.236 | 0.314 | ||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | 95.0 | 95.0 | 95.0 | 95.0 | 95.0 | |||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 3.72 | 5.04 | -0.905 | -0.298 | 2.09 | |||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -10.1 | -9.81 | -10.8 | -8.37 | -6.51 | |||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 106 | 105 | 112 | 109 | 104 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 58.3 | 58.9 | 65.6 | 63.8 | 69.0 | |||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 39.4 | 40.2 | 22.1 | 28.4 | 43.0 | |||||
| Equity (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 55.5 | 51.2 | 30.8 | 35.8 | 79.6 | |||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 169 | 240 | 101 | 114 | 103 | |||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | 71.1 | 78.6 | 71.8 | 79.3 | 54.0 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.004 | 0.019 | -0.222 | 0 | -0.037 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Employees | ... | ... | ... | ... | ... | ... | ... | 43.0 | 46.0 | 50.0 | 52.0 | 60.0 | ||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 4,530 | 3,872 | 3,242 | 4,380 | 5,533 | |||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | ... | ... | 96,822 | 92,422 | 81,791 | 102,771 | 121,057 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | 0.013 | 0.015 | 0.015 | 0.016 | 0.017 | ||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 9,910 | 9,288 | 7,744 | 10,438 | 12,562 | |||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 2,590 | 2,534 | 2,184 | 3,401 | 4,180 | |||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 33,240 | 33,206 | 53,406 | 87,403 | 54,781 | |||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 19,612 | 13,856 | 53,050 | 76,429 | 53,086 | |||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 464 | 389 | 307 | 445 | 574 | |||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 121 | 106 | 86.6 | 145 | 191 | |||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 1,451 | 1,338 | 2,083 | 4,105 | 2,438 | |||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 856 | 558 | 2,069 | 3,590 | 2,363 | |||||
| Client Transactions Turnover | CZK mil | 129,000 | 144,450 | 159,900 | 219,300 | 250,100 | ... | |||||||||||
| Transactions Turnover per Client | CZK mil | 9.71 | 9.83 | 10.7 | 13.6 | 14.7 | ... | |||||||||||
| Margin on Client Transactions | % | ... | ... | ... | ... | ... | ... | ... | 0.109 | 0.099 | 0.081 | 0.083 | 0.089 | ... |
Get all company financials in excel:
By Helgi Analytics - August 23, 2021
SAB Finance's net interest margin amounted to -0.402% in 2020, down from 0.058% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.11% in 2015 and an all time low of -1.21% in 2012. The average marg...
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 - August 23, 2021
SAB Finance's customer loan growth reached -12.9% in 2020, up from -28.6% 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 17.6% and 3.47% a year on average in the last 3 years. Its loans and deposits have grown by -25.6% and -22.0% a year during that time and loans to deposits ratio reached 99.1% at the end of 2020. The company achieved an average return on equity of 10.8% in the last three years with net profit growing 28.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.9% in 2020, compared to 56.6% average in the last three years.
Equity represented 62.1% of total assets or 211% of loans at the end of 2020. SAB Finance's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.
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