Sberbank Slovenia

Sberbank Slovenia's employees rose 3.51% to 354 in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia employed 354 persons in 2017, up 3.51% when compared to the previous year. Historically, the bank's workforce ...

Sberbank Slovenia's customer deposits rose 12.8% to EUR 1,212 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's customer deposits reached EUR 1,212 mil in 2017, up 12.8% compared to the previous year. Slovenian banking ...

Sberbank Slovenia's net profit rose 169% to EUR 3.01 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia made a net profit of EUR 3.01 mil in 2017, up 169% compared to the previous year. This implies a return on equ...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 35.0 33.6 33.4
Fee Income (As % Of Revenues) % 17.4 19.8 20.0
Other Income EUR mil 3.18 -1.58 -0.465
Total Revenues EUR mil 46.2 39.9 41.1
Staff Cost EUR mil 13.1 14.4 14.7
Operating Profit EUR mil 22.6 15.2 14.8
Provisions EUR mil 26.1 14.0 7.49
Net Profit EUR mil -3.46 1.12 3.01
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 84.1 113 43.3
Customer Loans EUR mil 1,277 1,222 1,311
Debt Securities EUR mil 207 230 173
Total Assets EUR mil 1,902 1,846 1,741
Shareholders' Equity EUR mil 168 169 172
Interbank Borrowing EUR mil 552 506 273
Customer Deposits EUR mil 1,099 1,075 1,212
Issued Debt Securities EUR mil 74.7 6.58 1.75
Ratios 2015 2016 2017
ROE % -2.20 0.663 1.76
ROA % -0.188 0.060 0.168
Costs (As % Of Assets) % 1.28 1.32 1.47
Costs (As % Of Income) % 51.0 61.9 63.9
Capital Adequacy Ratio % 18.2 18.3 19.0
Net Interest Margin % 1.90 1.79 1.86
Loans (As % Of Deposits) % 116 114 108
NPLs (As % Of Loans) % 16.7 13.1 10.7
Provisions (As % Of NPLs) % 32.1 46.5 51.8
Growth Rates 2015 2016 2017
Total Revenue Growth % -6.86 -13.6 3.07
Operating Cost Growth % -3.22 4.82 6.48
Operating Profit Growth % -10.4 -32.8 -2.48
Net Profit Growth % -161 -132 169
Customer Loan Growth % 0.460 -4.35 7.35
Total Asset Growth % 6.88 -2.92 -5.70
Customer Deposit Growth % 10.1 -2.18 12.8
Shareholders' Equity Growth % 14.1 0.953 1.79
Employees 333 342 354

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summary Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                  
Net Interest Income EUR mil ...                   20.4 18.4 25.0 34.0 35.0    
Total Revenues EUR mil ...                   22.5 21.3 32.6 49.6 46.2    
Operating Profit EUR mil ...                   8.86 6.97 13.8 25.3 22.6    
Net Profit EUR mil ...                   2.65 0.156 1.16 5.69 -3.46    
balance sheet                                  
Interbank Loans EUR mil ...                   14.0 64.5 2.39 109 84.1    
Customer Loans EUR mil ...                   828 936 1,122 1,271 1,277    
Debt Securities EUR mil ...                   80.9 138 167 140 207    
Total Assets EUR mil ...                   1,013 1,338 1,478 1,779 1,902    
Shareholders' Equity EUR mil ...                   70.8 119 118 147 168    
Interbank Borrowing EUR mil ...                   504 603 523 495 552    
Customer Deposits EUR mil ...                   405 590 767 998 1,099    
Issued Debt Securities EUR mil ...                   28.4 22.5 66.2 78.1 74.7    
ratios                                  
ROE % ...                   3.74 0.165 0.978 4.30 -2.20    
ROA % ...                   0.272 0.013 0.082 0.350 -0.188    
Costs (As % Of Assets) % ...                   1.40 1.22 1.34 1.49 1.28    
Costs (As % Of Income) % ...                   60.6 67.2 57.8 49.1 51.0    
Capital Adequacy Ratio % ... ... ... ... ...           11.7 12.8 16.5 15.9 18.2    
Net Interest Margin % ...                   2.09 1.57 1.77 2.09 1.90    
Interest Income (As % Of Revenues) % ...                   90.5 86.7 76.7 68.5 75.7    
Fee Income (As % Of Revenues) % ...                   9.51 13.3 14.0 14.4 17.4    
Staff Cost (As % Of Total Cost) % ...                   55.8 55.7 53.8 51.9 55.6    
Equity (As % Of Assets) % ...                   6.99 8.88 7.97 8.25 8.81    
Loans (As % Of Deposits) % ...                   205 159 146 127 116    
Loans (As % Assets) % ...                   81.7 70.0 75.9 71.4 67.2    
NPLs (As % Of Loans) % ... ... ... ... ...           13.3 16.3 11.7 14.2 16.7    
Provisions (As % Of NPLs) % ... ... ... ... ...           21.3 17.6 29.3 27.0 32.1    
income statement Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                  
Interest Income EUR mil ...                   39.5 40.1 46.3 53.4 50.1    
Interest Cost EUR mil ...                   19.1 21.7 21.3 19.4 15.2    
Net Interest Income EUR mil ...                   20.4 18.4 25.0 34.0 35.0    
Net Fee Income EUR mil ...                   2.14 2.83 4.56 7.12 8.04    
Other Income EUR mil ...                   0 0.006 3.01 8.48 3.18    
Total Revenues EUR mil ...                   22.5 21.3 32.6 49.6 46.2    
Staff Cost EUR mil ...                   7.62 7.96 10.1 12.6 13.1    
Depreciation EUR mil ...                   0.787 0.845 0.818 1.08 1.27    
Other Cost EUR mil ...                   5.24 5.48 7.86 10.6 9.19    
Operating Cost EUR mil ...                   13.6 14.3 18.8 24.3 23.5    
Operating Profit EUR mil ...                   8.86 6.97 13.8 25.3 22.6    
Provisions EUR mil ...                   6.13 8.40 11.7 18.4 26.1    
Extra and Other Cost EUR mil ...                   -0.586 -1.64 0.679 0 0.671    
Pre-Tax Profit EUR mil ...                   3.32 0.211 1.33 6.87 -4.11    
Tax EUR mil ...                   0.669 0.055 0.168 1.18 -0.651    
Minorities EUR mil ...                   0 0 0 0 0    
Net Profit EUR mil ...                   2.65 0.156 1.16 5.69 -3.46    
growth rates                                  
Net Interest Income Growth % ... ...                 6.86 -9.54 35.6 36.1 2.89    
Net Fee Income Growth % ... ...                 19.4 32.1 61.1 56.3 13.0    
Total Revenue Growth % ... ...                 7.94 -5.55 53.1 52.3 -6.86    
Operating Cost Growth % ... ...                 11.3 4.74 31.6 29.4 -3.22    
Operating Profit Growth % ... ...                 3.13 -21.4 97.4 83.7 -10.4    
Pre-Tax Profit Growth % ... ...                 -16.3 -93.6 528 418 -160    
Net Profit Growth % ... ...                 -18.7 -94.1 642 392 -161    
market share                                  
Market Share in Revenues % ...                   1.56 1.36 2.98 4.03 3.99    
Market Share in Net Profit % ... ... ...         ...   ... ... ... ... ... ...    
Market Share in Employees %                     1.72 1.90 2.32 2.04 3.19    
Market Share in Branches %           ... ... ... ... ... ... ... ... 2.03 2.04    
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                  
Cash EUR mil ...                   79.9 166 176 225 306    
Interbank Loans EUR mil ...                   14.0 64.5 2.39 109 84.1    
Customer Loans EUR mil ...                   828 936 1,122 1,271 1,277    
Retail Loans EUR mil ...                   226 219 220 305 340    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 264    
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 75.7    
Corporate Loans EUR mil ...                   571 717 902 966 938    
Debt Securities EUR mil ...                   80.9 138 167 140 207    
Fixed Assets EUR mil ...                   8.02 7.48 9.22 10.2 9.81    
Total Assets EUR mil ...                   1,013 1,338 1,478 1,779 1,902    
Shareholders' Equity EUR mil ...                   70.8 119 118 147 168    
Of Which Minority Interest EUR mil ...                   0 0 0 0 0    
Liabilities EUR mil ...                   942 1,219 1,361 1,632 1,734    
Interbank Borrowing EUR mil ...                   504 603 523 495 552    
Customer Deposits EUR mil ...                   405 590 767 998 1,099    
Retail Deposits EUR mil ...                   141 194 237 271 315    
Corporate Deposits EUR mil ...                   264 396 530 727 784    
Issued Debt Securities EUR mil ...                   28.4 22.5 66.2 78.1 74.7    
Other Liabilities EUR mil ...                   4.89 4.08 4.50 61.6 9.00    
asset quality                                  
Non-Performing Loans EUR mil ... ... ... ... ...           114 161 136 191 225    
Gross Loans EUR mil ... ... ... ... ...           852 988 1,162 1,339 1,349    
Total Provisions EUR mil ... ... ... ... ...           24.2 28.4 39.8 51.6 72.4    
growth rates                                  
Customer Loan Growth % ... ...                 2.30 13.1 19.8 13.3 0.460    
Retail Loan Growth % ... ...                 1.87 -3.06 0.278 38.8 11.3    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Corporate Loan Growth % ... ...                 5.11 25.6 25.8 7.12 -2.95    
Total Asset Growth % ... ...                 8.26 32.0 10.5 20.4 6.88    
Shareholders' Equity Growth % ... ...                 -0.151 67.8 -0.800 24.6 14.1    
Customer Deposit Growth % ... ...                 48.0 45.7 29.9 30.2 10.1    
Retail Deposit Growth % ... ...                 44.6 37.7 22.2 14.3 16.3    
Corporate Deposit Growth % ... ...                 49.8 50.0 33.7 37.2 7.84    
market share                                  
Market Share in Customer Loans % ...                   2.50 3.02 4.61 5.90 6.30    
Market Share in Corporate Loans % ...                   3.12 4.36 7.84 10.5 11.4    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.61    
Market Share in Consumer Loans % ...                   2.50 2.48 2.60 3.66 4.03    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.78    
Market Share in Total Assets % ...                   2.06 2.90 3.66 4.60 5.09    
Market Share in Customer Deposits % ...                   1.65 2.47 3.40 4.08 4.37    
Market Share in Retail Deposits % ...                   0.947 1.31 1.65 1.79 2.02    
Market Share in Corporate Deposits % ... ... ... ... ... ... ...       6.55 10.8 12.6 15.5 16.8    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                  
ROE % ...                   3.74 0.165 0.978 4.30 -2.20    
ROA % ...                   0.272 0.013 0.082 0.350 -0.188    
Costs (As % Of Assets) % ...                   1.40 1.22 1.34 1.49 1.28    
Costs (As % Of Income) % ...                   60.6 67.2 57.8 49.1 51.0    
Capital Adequacy Ratio % ... ... ... ... ...           11.7 12.8 16.5 15.9 18.2    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 13.5    
Net Interest Margin % ...                   2.09 1.57 1.77 2.09 1.90    
Interest Spread % ... ...                 1.94 1.41 1.64 1.98 1.82    
Asset Yield % ...                   4.05 3.41 3.29 3.28 2.72    
Cost Of Liabilities % ... ...                 2.12 2.00 1.65 1.29 0.901    
Interest Income (As % Of Revenues) % ...                   90.5 86.7 76.7 68.5 75.7    
Fee Income (As % Of Revenues) % ...                   9.51 13.3 14.0 14.4 17.4    
Other Income (As % Of Revenues) % ...                   0 0.028 9.26 17.1 6.88    
Cost Per Employee USD per month ...                   4,347 3,907 4,305 6,220 3,753    
Cost Per Employee (Local Currency) EUR per month ...                   3,126 3,043 3,243 4,825 3,274    
Staff Cost (As % Of Total Cost) % ...                   55.8 55.7 53.8 51.9 55.6    
Equity (As % Of Assets) % ...                   6.99 8.88 7.97 8.25 8.81    
Loans (As % Of Deposits) % ...                   205 159 146 127 116    
Loans (As % Assets) % ...                   81.7 70.0 75.9 71.4 67.2    
NPLs (As % Of Loans) % ... ... ... ... ...           13.3 16.3 11.7 14.2 16.7    
Provisions (As % Of NPLs) % ... ... ... ... ...           21.3 17.6 29.3 27.0 32.1    
Provisions (As % Of Loans) % ... ... ... ... ...           2.92 3.03 3.55 4.06 5.67    
Cost of Provisions (As % Of Loans) % ...                   0.748 0.952 1.14 1.54 2.05    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                  
Branches           ... ... ... ... ... ... ... ... 12.0 12.0    
Employees                     203 218 260 218 333    

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Sberbank Slovenia's retail deposits rose 14.0% to EUR 341 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's retail deposits reached EUR 341 mil in 2017, up 14.0% compared to the previous year. Slovenian banking sector accepted retail deposits of EUR 17.5 bil in 2017, up 5.65% when compared to the last year. Sberbank Slovenia accounted for 1....

Sberbank Slovenia's total revenues rose 3.07% to EUR 41.1 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia generated total banking revenues of EUR 41.1 mil in 2017, up 3.07% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last year. ...

Sberbank Slovenia's customer loans rose 7.35% to EUR 1,311 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's customer loans reached EUR 1,311 mil in 2017, up 7.35% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. Sberbank Slovenia accounted for 6....

Sberbank Slovenia's corporate deposits rose 12.3% to EUR 871 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's corporate deposits reached EUR 871 mil in 2017, up 12.3% compared to the previous year. Slovenian banking sector accepted corporate deposits of EUR 6.37 bil in 2017, up 38.5% when compared to the last year. Sberbank Slovenia accounted ...

Sberbank Slovenia's npls (as % of loans) fell 18.2% to 10.7% in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's non-performing loans reached 10.7% of total loans at the end of 2017, down from 13.1% compared to the previous year. Historically, the NPL ratio hit an all time high of 16.7% in 2015 and an all time low of 0.816% in 2007. Provision cover...

Sberbank Slovenia's corporate loans rose 4.91% to EUR 884 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's corporate loans reached EUR 884 mil in 2017, up 4.91% compared to the previous year. Slovenian banking sector provided corporate loans of EUR 8.29 bil in 2017, up 2.22% when compared to the last year. Sberbank Slovenia accounted for 10...

Sberbank Slovenia's net interest margin rose 3.84% to 1.86% in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's net interest margin amounted to 1.86% in 2017, up from 1.79% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.20% in 2003 and an all time low of 1.57% in 2012. The average marg...

Sberbank Slovenia's net interest income fell 0.617% to EUR 33.4 mil in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia generated total banking revenues of EUR 41.1 mil in 2017, up 3.07% 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 EUR 49.6 mil in 2014 and ...

Sberbank Slovenia's costs (as % of assets) rose 11.3% to 1.47% in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's cost to income ratio reached 63.9% in 2017, up from 61.9% compared to the previous year. Historically, the bank’s costs reached an all time high of 104% of income in 2004 and an all time low of 49.1% in 2014. When compared to total asse...

Sberbank Slovenia's customer loan growth rose 269% to 7.35% in 2017

By Helgi Analytics - November 05, 2019

Sberbank Slovenia's customer loan growth reached 7.35% in 2017, up from -4.35% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 53.6% in 2003 and an all time low of -4.35% in 2016. In the last decade, the av...

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Sberbank d.d. (or Sberbank Slovenia) is a Slovenia-based subsidiary of Russia's Sberbank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. Sberbank d. d. is a daughter bank of the Sberbank Europe AG Holding, which manages a banking network of nine universal banks in eight countries of Central and Eastern Europe: in Slovakia, the Czech Republic, Hungary, Croatia, Slovenia, Bosnia and Herzehovina, and Ukraine.

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Finance

Sberbank Slovenia has been growing its revenues and asset by 11.6% and 10.9% a year on average in the last 10 years. Its loans and deposits have grown by 9.53% and 21.4% a year during that time and loans to deposits ratio reached 108% at the end of 2017. The company achieved an average return on equity of 1.45% in the last decade with net profit growing 0.901% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.9% in 2017, compared to 61.0% average in the last decade.

Equity represented 9.89% of total assets or 13.1% of loans at the end of 2017. Sberbank Slovenia's non-performing loans were 10.7% of total loans while provisions covered some 51.8% of NPLs at the end of 2017.