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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; 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

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income statement

Net Interest Income	EUR mil
Total Revenues	EUR mil
Operating Profit	EUR mil
Net Profit	EUR mil

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

balance sheet

Interbank Loans	EUR mil
Customer Loans	EUR mil
Debt Securities	EUR mil
Total Assets	EUR mil
Shareholders' Equity	EUR mil
Interbank Borrowing	EUR mil
Customer Deposits	EUR mil
Issued Debt Securities	EUR mil

...	...	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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...	...	...					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

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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	0	-0.187	0	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

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	...	...	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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Branches	%

...	...	...			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

Cash	EUR mil
Interbank Loans	EUR mil
Customer Loans	EUR mil
Retail Loans	EUR mil
Mortgage Loans	EUR mil
Consumer Loans	EUR mil
Corporate Loans	EUR mil
Debt Securities	EUR mil
Fixed Assets	EUR mil
Total Assets	EUR mil
Shareholders' Equity	EUR mil
Of Which Minority Interest	EUR mil
Liabilities	EUR mil
Interbank Borrowing	EUR mil
Customer Deposits	EUR mil
Retail Deposits	EUR mil
Corporate Deposits	EUR mil
Sight Deposits	EUR mil
Term Deposits	EUR mil
Issued Debt Securities	EUR mil
Other Liabilities	EUR mil

...	...														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

Non-Performing Loans	EUR mil
Gross Loans	EUR mil
Total Provisions	EUR mil

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

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...	...				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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

...	...						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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	EUR per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...	...	...													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

Branches
Employees
ATMs
Payment Cards	'000
Sight (As % Of Customer Deposits)	%

															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%

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Comparison of 11 Companies within CEE Savings Banks

November 3, 2018

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

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

October 29, 2018

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

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.

The file contains data of following banks:

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

October 24, 2018

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

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.

The file contains data of following banks:

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

September 29, 2018

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,

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

July 14, 2014

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

July 8, 2014

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

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Who Had the Most Bad Loans Among CEE Savings Banks in 2017?

August 14, 2019

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Zagrebacka Banka had the highest share of bad loans, followed by DSK Bank and Banca Commerciala Romana.

Zagrebacka Banka's non-performing loans reached 11.4% of total loans

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Zagrebacka Banka had the highest share of bad loans, followed by DSK Bank and Banca Commerciala Romana.

Zagrebacka Banka's non-performing loans reached 11.4% of total loans at the end of 2017, down from 14.9% when compared to the previous year. Historically, the NPL ratio hit an all time high of 17.2% in 2014 and an all time low of 4.03% in 2007.

Provision coverage amounted to 11.2% at the end of 2017, down from 13.7% compared to a year earlier.

Comparing Zagrebacka Banka with its closest peers, DSK Bank operated at the end of 2017 with NPL ratio of 11.2% and provision coverage of 92.3%, Banca Commerciala Romana with 9.38% and 80.3% and OTP Group had 9.20% of bad loans covered with 99.3% by provisions at the end of 2017.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Who Had the Most Branches Among CEE Savings Banks in 2017?

August 14, 2019

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank had the most branches, followed by Erste Group Bank and OTP Group.

Sberbank operated a network of 16,342 branches at the end of 2017. That's compared

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank had the most branches, followed by Erste Group Bank and OTP Group.

Sberbank operated a network of 16,342 branches at the end of 2017. That's compared to 19,499 branches some 10 years ago.

Comparing Sberbank with its closest peers, Erste Group Bank operated a network of 2,565 branches in 2017, OTP Group had 1,488 branches and PKO BP had a network of 1,194 branches in 2017.

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

Who Generated the Most Revenues Among Erste Bank Group in 2017?

August 12, 2019

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,

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.

Who Generated the Most Revenues Among CEE Savings Banks in 2017?

August 12, 2019

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by Erste Group Bank and PKO BP.

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

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by Erste Group Bank and PKO BP.

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, Erste Group Bank generated total revenues of EUR 6,669 mil, or 3.02% of assets in 2017, PKO BP operated with EUR 2,804 mil total income, or 4.06% revenue margin and OTP Group produced total income worth EUR 2,782 mil, or 6.54% 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.

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Slovenska Sporitelna's mortgage loans rose 14.0% to EUR 6,841 mil in 2017

Slovenska Sporitelna's customer deposits rose 9.61% to EUR 12,478 mil in 2017

Slovenska Sporitelna's customer loans rose 14.3% to EUR 11,720 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 payment cards rose 2.97% to 1,490 '000 in 2017

Slovenska Sporitelna's branches fell 5.57% to 271 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

Slovenska Sporitelna's costs (as % of assets) fell 5.60% to 1.81% in 2017

Slovenska Sporitelna's npls (as % of loans) fell 15.4% to 4.19% in 2017