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Slovenska Sporitelna

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Slovenska Sporitelna

Slovenská sporiteľňa is a Slovakia-based retail bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic. It provides various deposit products; loans for housing; and consumer loans for university students. In addition, the Bank also provides payments, debit and credit cards, insurance, overdraft facility, and electronic banking services;

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Slovenská sporiteľňa is a Slovakia-based retail bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic. It provides various deposit products; loans for housing; and consumer loans for university students. In addition, the Bank also provides payments, debit and credit cards, insurance, overdraft facility, and electronic banking services; and cash management, investment, or treasury services, for example. The Bank is the largest retail bank in the country with over 30% of retail deposits offering its products and services through more than 300 branches and 773 ATMs. The Bank was founded in 1825 and is headquartered in Bratislava, the Slovak Republic. Since the beginning of 2005, Erste Bank is a 100% owner of Slovenská sporiteľňa.

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summary Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

... ... ...                         466 448 449 464 469    
... ... ...                         588 582 585 603 605    
... ... ...                         314 292 288 291 337    
... ... ...                         195 188 185 182 185    

balance sheet

... ...                           613 290 80.1 179 122    
... ...                           6,346 6,786 7,161 8,086 9,365    
... ...                           3,851 4,098 3,862 3,929 3,720    
... ...                           11,349 11,777 11,699 12,969 13,980    
... ...                           1,039 1,205 1,291 1,311 1,539    
... ...                           1,148 1,148 424 741 385    
... ...                           8,034 8,413 9,091 9,666 10,672    
... ...                           599 788 767 1,082 1,102    

ratios

... ... ...                         19.8% 16.8% 14.8% 14.0% 13.0%    
... ... ...                         1.74% 1.63% 1.58% 1.48% 1.37%    
... ... ...                         2.45% 2.51% 2.52% 2.53% 1.99%    
... ... ...                         46.6% 49.8% 50.7% 51.7% 44.3%    
... ... ... ... ... ... ...                 15.6% 20.1% 25.2% 19.9% 21.9%    
... ... ...                         4.16% 3.87% 3.82% 3.76% 3.48%    
... ... ...                         79.1% 76.9% 76.7% 77.0% 77.6%    
... ... ...                         20.5% 20.3% 20.1% 20.5% 20.1%    
... ... ...                         37.6% 39.1% 40.1% 40.1% 48.1%    
... ...                           9.15% 10.2% 11.0% 10.1% 11.0%    
... ...                           79.0% 80.7% 78.8% 83.6% 87.8%    
... ...                           55.9% 57.6% 61.2% 62.3% 67.0%    
... ... ... ... ... ...                   7.56% 6.24% 5.47% 6.34% 5.56%    
... ... ... ... ... ...                   76.0% 80.6% 85.5% 65.0% 65.7%    

Download Data
income statement Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
Dividends EUR mil
... ... ...                         575 560 534 530 526    
... ... ...                         109 113 85.4 65.7 56.6    
... ... ...                         466 448 449 464 469    
... ... ...                         121 118 117 123 121    
... ... ...                         1.86 16.1 18.7 15.6 14.3    
... ... ...                         588 582 585 603 605    
... ... ...                         103 113 119 125 129    
... ... ...                         38.9 46.9 47.1 46.7 46.2    
... ... ...                         132 129 130 140 92.7    
... ... ...                         274 290 296 312 268    
... ... ...                         314 292 288 291 337    
... ... ...                         72.2 54.5 49.4 51.4 58.0    
... ... ...                         0.000 0.000 -0.187 0.000 32.5    
... ... ...                         242 237 239 240 247    
... ... ...                         47.1 48.6 54.0 56.8 60.8    
... ... ...                         0.039 0.255 0.456 0.603 0.644    
... ... ...                         195 188 185 182 185    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    

growth rates

... ... ... ...                       5.11% -3.89% 0.230% 3.43% 1.09%    
... ... ... ...                       5.30% -2.28% -0.561% 5.08% -1.58%    
... ... ... ...                       3.87% -1.13% 0.516% 3.12% 0.303%    
... ... ... ...                       10.3% 5.72% 2.18% 5.35% -14.2%    
... ... ... ...                       -1.17% -7.11% -1.14% 0.831% 15.9%    
... ... ... ...                       28.6% -1.95% 0.862% 0.092% 2.93%    
... ... ... ...                       29.9% -3.31% -1.85% -1.50% 1.64%    

market share

... ... ...                         24.0% 27.7% 25.2% 24.5% 26.5%    
... ... ... ...                       28.9% 39.2% 33.7% 32.5% 30.6%    
                              22.6% 22.5% 22.7% 22.9% 22.2%    
... ... ... ...   ...                   24.4% 27.5% 27.7% 27.6% 26.4%    
                              28.2% 28.0% 30.8% 30.9% 30.8%    

Download Data
balance sheet Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

... ...                           299 377 330 408 323    
... ...                           613 290 80.1 179 122    
... ...                           6,346 6,786 7,161 8,086 9,365    
... ... ... ... ...                     4,352 4,798 5,333 6,212 7,195    
... ... ... ... ...                     3,247 3,703 4,003 5,332 5,650    
... ... ... ... ...                     992 999 1,002 880 1,545    
... ... ... ... ...                     2,156 2,071 1,879 1,921 2,209    
... ...                           3,851 4,098 3,862 3,929 3,720    
... ...                           239 226 205 279 270    
... ...                           11,349 11,777 11,699 12,969 13,980    
... ...                           1,039 1,205 1,291 1,311 1,539    
... ...                           2.62 2.77 3.22 3.80 2.99    
... ...                           10,310 10,572 10,408 11,658 12,441    
... ...                           1,148 1,148 424 741 385    
... ...                           8,034 8,413 9,091 9,666 10,672    
... ... ... ... ...                     5,677 5,688 7,379 7,640 8,302    
... ... ... ... ...                     1,639 1,622 1,207 1,233 1,540    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5,245 6,192 7,063    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3,846 3,475 3,608    
... ...                           599 788 767 1,082 1,102    
... ...                           529 223 126 169 282    

asset quality

... ... ... ... ... ...                   509 446 411 535 540    
... ...                           6,733 7,146 7,513 8,434 9,720    
... ...                           387 359 352 348 355    

growth rates

... ... ...                         11.1% 6.93% 5.52% 12.9% 15.8%    
... ... ... ... ... ...                   11.5% 10.3% 11.2% 16.5% 15.8%    
... ... ... ... ... ...                   14.1% 14.0% 8.10% 33.2% 5.97%    
... ... ... ... ... ...                   9.71% 0.608% 0.349% -12.2% 75.5%    
... ... ... ... ... ...                   2.09% -3.96% -9.27% 2.25% 15.0%    
... ... ...                         2.91% 3.78% -0.665% 10.9% 7.80%    
... ... ...                         11.8% 16.0% 7.15% 1.52% 17.4%    
... ... ...                         -1.53% 4.72% 8.06% 6.33% 10.4%    
... ... ... ... ... ...                   1.37% 0.187% 29.7% 3.53% 8.66%    
... ... ... ... ... ...                   10.2% -0.997% -25.6% 2.13% 24.9%    

market share

... ...                           17.4% 18.3% 18.3% 19.4% 20.6%    
... ... ... ... ...                     13.9% 13.8% 12.9% 13.4% 14.1%    
... ... ... ... ...                     20.4% 19.6% 19.1% 15.4% 24.9%    
... ... ... ... ...                     25.3% 25.6% 26.0% 26.9% 27.8%    
... ... ... ... ...                     26.4% 27.1% 26.2% 30.7% 28.7%    
... ...                           19.2% 19.7% 19.2% 20.2% 20.2%    
... ...                           20.0% 19.9% 20.5% 21.0% 21.1%    
... ... ... ... ...                     22.6% 21.4% 27.0% 26.8% 26.7%    
... ... ... ... ... ... ...                 17.7% 17.0% 11.2% 11.5% 13.1%    

Download Data
ratios Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

... ... ...                         19.8% 16.8% 14.8% 14.0% 13.0%    
... ... ...                         1.74% 1.63% 1.58% 1.48% 1.37%    
... ... ...                         2.45% 2.51% 2.52% 2.53% 1.99%    
... ... ...                         46.6% 49.8% 50.7% 51.7% 44.3%    
... ... ... ... ... ... ...                 15.6% 20.1% 25.2% 19.9% 21.9%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...   11.6% 16.3% 20.8% 17.7% 20.3%    
... ... ...                         4.16% 3.87% 3.82% 3.76% 3.48%    
... ... ...                         4.07% 3.77% 3.73% 3.70% 3.43%    
... ... ...                         5.14% 4.84% 4.55% 4.29% 3.90%    
... ... ...                         1.07% 1.08% 0.814% 0.595% 0.470%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
... ... ...                         79.1% 76.9% 76.7% 77.0% 77.6%    
... ... ...                         20.5% 20.3% 20.1% 20.5% 20.1%    
... ... ...                         0.316% 2.76% 3.20% 2.58% 2.36%    
... ... ...                         2,868 2,891 3,126 3,143 2,926    
... ... ...                         2,063 2,252 2,355 2,438 2,553    
... ... ...                         37.6% 39.1% 40.1% 40.1% 48.1%    
... ...                           9.15% 10.2% 11.0% 10.1% 11.0%    
... ...                           79.0% 80.7% 78.8% 83.6% 87.8%    
... ...                           55.9% 57.6% 61.2% 62.3% 67.0%    
... ... ... ... ... ...                   7.56% 6.24% 5.47% 6.34% 5.56%    
... ... ... ... ... ...                   76.0% 80.6% 85.5% 65.0% 65.7%    
... ...                           6.10% 5.30% 4.91% 4.30% 3.79%    
... ... ...                         1.20% 0.831% 0.708% 0.674% 0.665%    

Download Data
other data Unit
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

                              292 297 292 292 291    
                              4,170 4,199 4,208 4,275 4,205    
... ... ... ... ... ... ...                 748 773 770 779 790    
... ...       ...                   1,307 1,261 1,327 1,391 1,402    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 57.7% 64.1% 66.2%    

Download Data
Comparison of 11 Companies within CEE Savings Banks

This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to

Read more »

This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 15 Companies within Erste Group

This Annual Statistical Dossier offers a comparison of 15 banks from Erste Group from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

Read more »

This Annual Statistical Dossier offers a comparison of 15 banks from Erste Group from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 15 Banks in Slovakia

This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 15 Slovak banks from 1994 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Slovenska Sporitelna in Numbers

This Annual statistical dossier offers a summary of Slovenska Sporitelna's performance between 1996 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Slovenska Sporitelna's performance between 1996 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Slovenska Sporitelna's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Slovenská sporiteľňa at a Glance

Slovenská sporiteľňa is a Slovakia-based retail bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic. It provides various deposit products; loans for housing; and consumer loans for university students. In addition, the Bank also provides payments, debit

Read more »

Slovenská sporiteľňa is a Slovakia-based retail bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic. It provides various deposit products; loans for housing; and consumer loans for university students. In addition, the Bank also provides payments, debit and credit cards, insurance, overdraft facility, and electronic banking services; and cash management, investment, or treasury services, for example. The Bank is the largest retail bank in the country with over 30% of retail deposits offering its products and services through more than 300 branches and 773 ATMs. The Bank was founded in 1825 and is headquartered in Bratislava, the Slovak Republic. Since the beginning of 2005, Erste Bank is a 100% owner of Slovenská sporiteľňa.

This report offers a summary of the bank's performance in 1998-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia

Slovenská sporiteľňa in Numbers

Slovenská sporiteľňa is a Slovakia-based retail bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic. It provides various deposit products; loans for housing; and consumer loans for university students. In addition, the Bank also provides payments, debit

Read more »

Slovenská sporiteľňa is a Slovakia-based retail bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic. It provides various deposit products; loans for housing; and consumer loans for university students. In addition, the Bank also provides payments, debit and credit cards, insurance, overdraft facility, and electronic banking services; and cash management, investment, or treasury services, for example. The Bank is the largest retail bank in the country with over 30% of retail deposits offering its products and services through more than 300 branches and 773 ATMs. The Bank was founded in 1825 and is headquartered in Bratislava, the Slovak Republic. Since the beginning of 2005, Erste Bank is a 100% owner of Slovenská sporiteľňa.

This excel file offers a summary of the bank's performance in 1998-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Slovakia

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest fee income, followed by OTP Group and PKO BP.

Sberbank reported total fee income of EUR 5,921 mil, up 21.6% compared to the previous

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Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest fee income, followed by OTP Group and PKO BP.

Sberbank reported total fee income of EUR 5,921 mil, up 21.6% compared to the previous year. Historically, the bank’s fee income reached an all time high of EUR 5,921 mil in 2017 and an all time low of EUR 525 mil in 2001.

Comparing Sberbank with its closest peers, OTP Group generated total fee income of EUR 842 mil, PKO BP operated with EUR 691 mil fee income and Erste Savings Banks produced total fees worth EUR 446 mil.

You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by PKO BP and OTP Group.

Sberbank reported total revenues of EUR 28,597 mil, up 20.8% compared to the previous

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Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by PKO BP and OTP Group.

Sberbank reported total revenues of EUR 28,597 mil, up 20.8% 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 28,597 mil in 2017 and an all time low of EUR 3,225 mil in 2003. The average revenue in the last five years amounted to EUR 23,556 mil.

Bank's total revenues accounted for 7.02% of total assets in 2017, up from 6.69% a year earlier.

Comparing Sberbank with its closest peers, PKO BP generated total revenues of EUR 2,804 mil, or 4.06% of assets in 2017, OTP Group operated with EUR 2,782 mil total income, or 6.54% revenue margin and Erste Savings Banks produced total income worth EUR 1,493 mil, or 2.48% of assets.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 10 banks among CEE Savings Banks, Sberbank produced the highest net profit in 2017, followed by OTP Group and PKO BP.

Sberbank made a net profit of EUR 11,275 mil, up 49.6% compared to the previous year.

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Based on a comparison of 10 banks among CEE Savings Banks, Sberbank produced the highest net profit in 2017, followed by OTP Group and PKO BP.

Sberbank made a net profit of EUR 11,275 mil, up 49.6% compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 11,275 mil in 2017 and an all time low of EUR 402 mil in 2003. The average profit in the last five years amounted to EUR 6,960 mil.

The bank generated an average return on equity of 18.1% for its shareholders in the last five years with a maximum of 24.0% and a minimum of 10.2%.

Comparing Sberbank with its closest peers, OTP Group generated a net profit of EUR 906 mil with a ROE of 18.4% in 2017, PKO BP netted EUR 723 mil (ROE of 9.02%) and Ceska Sporitelna announced a net profit of EUR 555 mil giving a ROE of 12.0%.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest revenues, followed by Erste Bank Austria and Erste Savings Banks.

Erste Group Bank reported total revenues of EUR 6,669 mil,

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Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest revenues, followed by Erste Bank Austria and Erste Savings Banks.

Erste Group Bank reported total revenues of EUR 6,669 mil, down 0.581% 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 7,604 mil in 2010 and an all time low of EUR 1,172 mil in 1999. The average revenue in the last five years amounted to EUR 6,828 mil.

Bank's total revenues accounted for 3.02% of total assets in 2017, down from 3.22% a year earlier.

Comparing Erste Group Bank with its closest peers, Erste Bank Austria generated total revenues of EUR 3,255 mil, or 2.26% of assets in 2017, Erste Savings Banks operated with EUR 1,493 mil total income, or 2.48% revenue margin and Ceska Sporitelna produced total income worth EUR 1,414 mil, or 2.80% of assets.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Erste Bank Group banks in the reports section.

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Slovenska Sporitelna's mortgage loans rose 14.0% to EUR 6,841 mil in 2017
Slovenska Sporitelna's customer loans rose 14.3% to EUR 11,720 mil in 2017
Slovenska Sporitelna's customer deposits rose 9.61% to EUR 12,478 mil in 2017
Slovenska Sporitelna's retail deposits rose 6.48% to EUR 9,849 mil in 2017
Slovenska Sporitelna's consumer loans rose 9.96% to EUR 2,320 mil in 2017
Slovenska Sporitelna's branches fell 5.57% to 271 in 2017
Slovenska Sporitelna's payment cards rose 2.97% to 1,490 '000 in 2017
Slovenska Sporitelna's corporate loans rose 19.0% to EUR 2,619 mil in 2017
Slovenska Sporitelna's corporate deposits rose 4.37% to EUR 1,665 mil in 2017
Slovenska Sporitelna's net profit fell 23.6% to EUR 164 mil in 2017