By Helgi Analytics - December 12, 2019
Slovenska Sporitelna's mortgage loans reached EUR 6,841 mil in 2017, up 14.0% compared to the previous year. Slovak banking sec...
By Helgi Analytics - December 12, 2019
Slovenska Sporitelna's customer deposits reached EUR 12,478 mil in 2017, up 9.61% compared to the previous year. Slovak banking...
By Helgi Analytics - December 12, 2019
Slovenska Sporitelna's customer loans reached EUR 11,720 mil in 2017, up 14.3% compared to the previous year. Slovak banking se...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 469 | 462 | 439 |
| Fee Income (As % Of Revenues) | % | 20.1 | 20.3 | 19.8 |
| Other Income | EUR mil | 14.3 | 16.6 | 16.8 |
| Total Revenues | EUR mil | 605 | 600 | 569 |
| Staff Cost | EUR mil | 129 | 137 | 141 |
| Operating Profit | EUR mil | 337 | 323 | 286 |
| Provisions | EUR mil | 58.0 | 48.2 | 30.1 |
| Net Profit | EUR mil | 185 | 215 | 164 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 122 | 89.9 | 178 |
| Customer Loans | EUR mil | 9,365 | 10,251 | 11,720 |
| Total Assets | EUR mil | 13,980 | 14,825 | 16,343 |
| Shareholders' Equity | EUR mil | 1,539 | 1,562 | 1,174 |
| Interbank Borrowing | EUR mil | 385 | 278 | 489 |
| Customer Deposits | EUR mil | 10,672 | 11,384 | 12,478 |
| Issued Debt Securities | EUR mil | 1,102 | 1,317 | 1,568 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 13.0 | 13.8 | 12.0 |
| ROA | % | 1.37 | 1.49 | 1.05 |
| Costs (As % Of Assets) | % | 1.99 | 1.92 | 1.81 |
| Costs (As % Of Income) | % | 44.3 | 46.1 | 49.7 |
| Capital Adequacy Ratio | % | 21.9 | 21.5 | 18.7 |
| Net Interest Margin | % | 3.48 | 3.21 | 2.82 |
| Loans (As % Of Deposits) | % | 87.8 | 90.0 | 93.9 |
| NPLs (As % Of Loans) | % | 5.56 | 4.95 | 4.19 |
| Provisions (As % Of NPLs) | % | 65.7 | 65.3 | 72.0 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 0.303 | -0.791 | -5.19 |
| Operating Cost Growth | % | -14.2 | 3.40 | 2.15 |
| Operating Profit Growth | % | 15.9 | -4.12 | -11.5 |
| Net Profit Growth | % | 1.64 | 15.9 | -23.6 |
| Customer Loan Growth | % | 15.8 | 9.45 | 14.3 |
| Total Asset Growth | % | 7.80 | 6.05 | 10.2 |
| Customer Deposit Growth | % | 10.4 | 6.68 | 9.61 |
| Shareholders' Equity Growth | % | 17.4 | 1.47 | -24.9 |
| Employees | 4,205 | 4,232 | 4,250 | |
Get all company financials in excel:
| 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 | |||||||||||||||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | 466 | 448 | 449 | 464 | 469 | ||||||||||||||
| Total Revenues | EUR mil | ... | ... | ... | 588 | 582 | 585 | 603 | 605 | ||||||||||||||
| Operating Profit | EUR mil | ... | ... | ... | 314 | 292 | 288 | 291 | 337 | ||||||||||||||
| Net Profit | EUR mil | ... | ... | ... | 195 | 188 | 185 | 182 | 185 | ||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | EUR mil | ... | ... | 613 | 290 | 80.1 | 179 | 122 | |||||||||||||||
| Customer Loans | EUR mil | ... | ... | 6,346 | 6,786 | 7,161 | 8,086 | 9,365 | |||||||||||||||
| Debt Securities | EUR mil | ... | ... | 3,851 | 4,098 | 3,862 | 3,929 | 3,720 | |||||||||||||||
| Total Assets | EUR mil | ... | ... | 11,349 | 11,777 | 11,699 | 12,969 | 13,980 | |||||||||||||||
| Shareholders' Equity | EUR mil | ... | ... | 1,039 | 1,205 | 1,291 | 1,311 | 1,539 | |||||||||||||||
| Interbank Borrowing | EUR mil | ... | ... | 1,148 | 1,148 | 424 | 741 | 385 | |||||||||||||||
| Customer Deposits | EUR mil | ... | ... | 8,034 | 8,413 | 9,091 | 9,666 | 10,672 | |||||||||||||||
| Issued Debt Securities | EUR mil | ... | ... | 599 | 788 | 767 | 1,082 | 1,102 | |||||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | ... | ... | 19.8 | 16.8 | 14.8 | 14.0 | 13.0 | ||||||||||||||
| ROA | % | ... | ... | ... | 1.74 | 1.63 | 1.58 | 1.48 | 1.37 | ||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 2.45 | 2.51 | 2.52 | 2.53 | 1.99 | ||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 46.6 | 49.8 | 50.7 | 51.7 | 44.3 | ||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 15.6 | 20.1 | 25.2 | 19.9 | 21.9 | ||||||||||
| Net Interest Margin | % | ... | ... | ... | 4.16 | 3.87 | 3.82 | 3.76 | 3.48 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 79.1 | 76.9 | 76.7 | 77.0 | 77.6 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 20.5 | 20.3 | 20.1 | 20.5 | 20.1 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 37.6 | 39.1 | 40.1 | 40.1 | 48.1 | ||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 9.15 | 10.2 | 11.0 | 10.1 | 11.0 | |||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 79.0 | 80.7 | 78.8 | 83.6 | 87.8 | |||||||||||||||
| Loans (As % Assets) | % | ... | ... | 55.9 | 57.6 | 61.2 | 62.3 | 67.0 | |||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 7.56 | 6.24 | 5.47 | 6.34 | 5.56 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 76.0 | 80.6 | 85.5 | 65.0 | 65.7 |
| 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 | ... | ... | ... | 575 | 560 | 534 | 530 | 526 | ||||||||||||||
| Interest Cost | EUR mil | ... | ... | ... | 109 | 113 | 85.4 | 65.7 | 56.6 | ||||||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | 466 | 448 | 449 | 464 | 469 | ||||||||||||||
| Net Fee Income | EUR mil | ... | ... | ... | 121 | 118 | 117 | 123 | 121 | ||||||||||||||
| Other Income | EUR mil | ... | ... | ... | 1.86 | 16.1 | 18.7 | 15.6 | 14.3 | ||||||||||||||
| Total Revenues | EUR mil | ... | ... | ... | 588 | 582 | 585 | 603 | 605 | ||||||||||||||
| Staff Cost | EUR mil | ... | ... | ... | 103 | 113 | 119 | 125 | 129 | ||||||||||||||
| Depreciation | EUR mil | ... | ... | ... | 38.9 | 46.9 | 47.1 | 46.7 | 46.2 | ||||||||||||||
| Other Cost | EUR mil | ... | ... | ... | 132 | 129 | 130 | 140 | 92.7 | ||||||||||||||
| Operating Cost | EUR mil | ... | ... | ... | 274 | 290 | 296 | 312 | 268 | ||||||||||||||
| Operating Profit | EUR mil | ... | ... | ... | 314 | 292 | 288 | 291 | 337 | ||||||||||||||
| Provisions | EUR mil | ... | ... | ... | 72.2 | 54.5 | 49.4 | 51.4 | 58.0 | ||||||||||||||
| Extra and Other Cost | EUR mil | ... | ... | ... | 0 | 0 | -0.187 | 0 | 32.5 | ||||||||||||||
| Pre-Tax Profit | EUR mil | ... | ... | ... | 242 | 237 | 239 | 240 | 247 | ||||||||||||||
| Tax | EUR mil | ... | ... | ... | 47.1 | 48.6 | 54.0 | 56.8 | 60.8 | ||||||||||||||
| Minorities | EUR mil | ... | ... | ... | 0.039 | 0.255 | 0.456 | 0.603 | 0.644 | ||||||||||||||
| Net Profit | EUR mil | ... | ... | ... | 195 | 188 | 185 | 182 | 185 | ||||||||||||||
| Dividends | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | 5.11 | -3.89 | 0.230 | 3.43 | 1.09 | |||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | 5.30 | -2.28 | -0.561 | 5.08 | -1.58 | |||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | 3.87 | -1.13 | 0.516 | 3.12 | 0.303 | |||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | 10.3 | 5.72 | 2.18 | 5.35 | -14.2 | |||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | -1.17 | -7.11 | -1.14 | 0.831 | 15.9 | |||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | 28.6 | -1.95 | 0.862 | 0.092 | 2.93 | |||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | 29.9 | -3.31 | -1.85 | -1.50 | 1.64 | |||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | 24.0 | 27.7 | 25.2 | 24.5 | 26.5 | ||||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | 28.9 | 39.2 | 33.7 | 32.5 | 30.6 | |||||||||||||
| Market Share in Employees | % | 22.6 | 22.5 | 22.7 | 22.9 | 22.2 | |||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | 24.4 | 27.5 | 27.7 | 27.6 | 26.4 | ||||||||||||
| Market Share in Branches | % | 28.2 | 28.0 | 30.8 | 30.9 | 30.8 |
| 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 | ... | ... | 299 | 377 | 330 | 408 | 323 | |||||||||||||||
| Interbank Loans | EUR mil | ... | ... | 613 | 290 | 80.1 | 179 | 122 | |||||||||||||||
| Customer Loans | EUR mil | ... | ... | 6,346 | 6,786 | 7,161 | 8,086 | 9,365 | |||||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | 4,352 | 4,798 | 5,333 | 6,212 | 7,195 | ||||||||||||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | 3,247 | 3,703 | 4,003 | 5,332 | 5,650 | ||||||||||||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | 992 | 999 | 1,002 | 880 | 1,545 | ||||||||||||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | 2,156 | 2,071 | 1,879 | 1,921 | 2,209 | ||||||||||||
| Debt Securities | EUR mil | ... | ... | 3,851 | 4,098 | 3,862 | 3,929 | 3,720 | |||||||||||||||
| Fixed Assets | EUR mil | ... | ... | 239 | 226 | 205 | 279 | 270 | |||||||||||||||
| Total Assets | EUR mil | ... | ... | 11,349 | 11,777 | 11,699 | 12,969 | 13,980 | |||||||||||||||
| Shareholders' Equity | EUR mil | ... | ... | 1,039 | 1,205 | 1,291 | 1,311 | 1,539 | |||||||||||||||
| Of Which Minority Interest | EUR mil | ... | ... | 2.62 | 2.77 | 3.22 | 3.80 | 2.99 | |||||||||||||||
| Liabilities | EUR mil | ... | ... | 10,310 | 10,572 | 10,408 | 11,658 | 12,441 | |||||||||||||||
| Interbank Borrowing | EUR mil | ... | ... | 1,148 | 1,148 | 424 | 741 | 385 | |||||||||||||||
| Customer Deposits | EUR mil | ... | ... | 8,034 | 8,413 | 9,091 | 9,666 | 10,672 | |||||||||||||||
| Retail Deposits | EUR mil | ... | ... | ... | ... | ... | 5,677 | 5,688 | 7,379 | 7,640 | 8,302 | ||||||||||||
| Corporate Deposits | EUR mil | ... | ... | ... | ... | ... | 1,639 | 1,622 | 1,207 | 1,233 | 1,540 | ||||||||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,245 | 6,192 | 7,063 | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,846 | 3,475 | 3,608 | ||
| Issued Debt Securities | EUR mil | ... | ... | 599 | 788 | 767 | 1,082 | 1,102 | |||||||||||||||
| Other Liabilities | EUR mil | ... | ... | 529 | 223 | 126 | 169 | 282 | |||||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | ... | ... | 509 | 446 | 411 | 535 | 540 | |||||||||||
| Gross Loans | EUR mil | ... | ... | 6,733 | 7,146 | 7,513 | 8,434 | 9,720 | |||||||||||||||
| Total Provisions | EUR mil | ... | ... | 387 | 359 | 352 | 348 | 355 | |||||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 11.1 | 6.93 | 5.52 | 12.9 | 15.8 | ||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 11.5 | 10.3 | 11.2 | 16.5 | 15.8 | |||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | 14.1 | 14.0 | 8.10 | 33.2 | 5.97 | |||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | 9.71 | 0.608 | 0.349 | -12.2 | 75.5 | |||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 2.09 | -3.96 | -9.27 | 2.25 | 15.0 | |||||||||||
| Total Asset Growth | % | ... | ... | ... | 2.91 | 3.78 | -0.665 | 10.9 | 7.80 | ||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | 11.8 | 16.0 | 7.15 | 1.52 | 17.4 | ||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | -1.53 | 4.72 | 8.06 | 6.33 | 10.4 | ||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | 1.37 | 0.187 | 29.7 | 3.53 | 8.66 | |||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | 10.2 | -0.997 | -25.6 | 2.13 | 24.9 | |||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | 17.4 | 18.3 | 18.3 | 19.4 | 20.6 | |||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 13.9 | 13.8 | 12.9 | 13.4 | 14.1 | ||||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | 20.4 | 19.6 | 19.1 | 15.4 | 24.9 | ||||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 25.3 | 25.6 | 26.0 | 26.9 | 27.8 | ||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | 26.4 | 27.1 | 26.2 | 30.7 | 28.7 | ||||||||||||
| Market Share in Total Assets | % | ... | ... | 19.2 | 19.7 | 19.2 | 20.2 | 20.2 | |||||||||||||||
| Market Share in Customer Deposits | % | ... | ... | 20.0 | 19.9 | 20.5 | 21.0 | 21.1 | |||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | 22.6 | 21.4 | 27.0 | 26.8 | 26.7 | ||||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | 17.7 | 17.0 | 11.2 | 11.5 | 13.1 |
| 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 | % | ... | ... | ... | 19.8 | 16.8 | 14.8 | 14.0 | 13.0 | ||||||||||||||
| ROA | % | ... | ... | ... | 1.74 | 1.63 | 1.58 | 1.48 | 1.37 | ||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 2.45 | 2.51 | 2.52 | 2.53 | 1.99 | ||||||||||||||
| Costs (As % Of Income) | % | ... | ... | ... | 46.6 | 49.8 | 50.7 | 51.7 | 44.3 | ||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 15.6 | 20.1 | 25.2 | 19.9 | 21.9 | ||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.6 | 16.3 | 20.8 | 17.7 | 20.3 | |||
| Net Interest Margin | % | ... | ... | ... | 4.16 | 3.87 | 3.82 | 3.76 | 3.48 | ||||||||||||||
| Interest Spread | % | ... | ... | ... | 4.07 | 3.77 | 3.73 | 3.70 | 3.43 | ||||||||||||||
| Asset Yield | % | ... | ... | ... | 5.14 | 4.84 | 4.55 | 4.29 | 3.90 | ||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | 1.07 | 1.08 | 0.814 | 0.595 | 0.470 | ||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 79.1 | 76.9 | 76.7 | 77.0 | 77.6 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 20.5 | 20.3 | 20.1 | 20.5 | 20.1 | ||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 0.316 | 2.76 | 3.20 | 2.58 | 2.36 | ||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 2,868 | 2,891 | 3,126 | 3,143 | 2,926 | ||||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | 2,063 | 2,252 | 2,355 | 2,438 | 2,553 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 37.6 | 39.1 | 40.1 | 40.1 | 48.1 | ||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 9.15 | 10.2 | 11.0 | 10.1 | 11.0 | |||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 79.0 | 80.7 | 78.8 | 83.6 | 87.8 | |||||||||||||||
| Loans (As % Assets) | % | ... | ... | 55.9 | 57.6 | 61.2 | 62.3 | 67.0 | |||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 7.56 | 6.24 | 5.47 | 6.34 | 5.56 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 76.0 | 80.6 | 85.5 | 65.0 | 65.7 | |||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 6.10 | 5.30 | 4.91 | 4.30 | 3.79 | |||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 1.20 | 0.831 | 0.708 | 0.674 | 0.665 |
| 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 | 292 | 297 | 292 | 292 | 291 | ||||||||||||||||||
| Employees | 4,170 | 4,199 | 4,208 | 4,275 | 4,205 | ||||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | 748 | 773 | 770 | 779 | 790 | |||||||||||
| Payment Cards | '000 | ... | ... | ... | 1,307 | 1,261 | 1,327 | 1,391 | 1,402 | ||||||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 57.7 | 64.1 | 66.2 |
Get all company financials in excel:
By Helgi Analytics - July 16, 2018
Slovenska Sporitelna's retail deposits reached EUR 9,849 mil in 2017, up 6.48% compared to the previous year. Slovak banking sector accepted retail deposits of EUR 35.1 bil in 2017, up 4.67% when compared to the last year. Slovenska Sporitelna accounted f...
By Helgi Analytics - December 12, 2019
Slovenska Sporitelna's consumer loans reached EUR 2,320 mil in 2017, up 9.96% compared to the previous year. Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year. Slovenska Sporitelna accounted for...
By Helgi Analytics - September 30, 2018
Slovenska Sporitelna has issued total of 1,490 '000 payment cards at the end of 2017, up 2.97% compared to the previous year. Slovak banking sector banking sector issued total of 5,183 thous. of bank cards in 2017, down 5.69% when compared to the ...
By Helgi Analytics - July 16, 2018
Slovenska Sporitelna's corporate deposits reached EUR 1,665 mil in 2017, up 4.37% compared to the previous year. Slovak banking sector accepted corporate deposits of EUR 12.3 bil in 2017, up 9.35% when compared to the last year. Slovenska Sporitelna accou...
By Helgi Analytics - May 23, 2018
Slovenska Sporitelna made a net profit of EUR 164 mil in 2017, down 23.6% compared to the previous year. This implies a return on equity of 12.0%. Historically, the bank’s net profit reached an all time high of EUR 215 mil in 2016 and an all time low of EUR...
By Helgi Analytics - May 23, 2018
Slovenska Sporitelna's cost to income ratio reached 49.7% in 2017, up from 46.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 167% of income in 1999 and an all time low of 43.9% in 2010. When compared to total a...
By Helgi Analytics - May 23, 2018
Slovenska Sporitelna's non-performing loans reached 4.19% of total loans at the end of 2017, down from 4.95% compared to the previous year. Historically, the NPL ratio hit an all time high of 14.2% in 2007 and an all time low of 2.07% in 2002. Provision cov...
By Helgi Analytics - May 23, 2018
Slovenska Sporitelna's loans reached EUR 12,085 mil in the 2017, up from EUR 10,593 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 12,085 mil in 2017 and an all time low of EUR 869 mil in 2001. In the l...
By Helgi Analytics - July 16, 2018
Slovenska Sporitelna generated total banking revenues of EUR 569 mil in 2017, down 5.19% compared to the previous year. Slovak banking sector banking sector generated total revenues of EUR 2,324 mil in 2017, down 10.6% when compared to the last year. ...
By Helgi Analytics - May 23, 2018
Slovenska Sporitelna's net interest margin amounted to 2.82% in 2017, down from 3.21% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.16% in 2011 and an all time low of 1.18% in 1999. The average...
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.
Slovenska Sporitelna has been growing its revenues and asset by 2.86% and 6.09% a year on average in the last 10 years. Its loans and deposits have grown by 9.64% and 6.18% a year during that time and loans to deposits ratio reached 93.9% at the end of 2017. The company achieved an average return on equity of 14.4% in the last decade with net profit growing 2.88% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.7% in 2017, compared to 49.3% average in the last decade.
Equity represented 7.18% of total assets or 10.0% of loans at the end of 2017. Slovenska Sporitelna's non-performing loans were 4.19% of total loans while provisions covered some 72.0% of NPLs at the end of 2017.
Helgi Analytics 
