Sparkasse Oberosterreich

Sparkasse O's net profit rose 167% to EUR 60.3 mil in 2017

By Helgi Analytics - June 13, 2018

Sparkasse Oberosterreich made a net profit of EUR 60.3 mil in 2017, up 167% compared to the previous year. This implies a return...

Sparkasse O's customer loans rose 2.08% to EUR 8,169 mil in 2017

By Helgi Analytics - September 29, 2018

Sparkasse Oberosterreich's customer loans reached EUR 8,169 mil in 2017, up 2.08% compared to the previous year. Austrian banki...

Sparkasse O's customer deposits rose 0.305% to EUR 7,834 mil in 2017

By Helgi Analytics - September 29, 2018

Sparkasse Oberosterreich's customer deposits reached EUR 7,834 mil in 2017, up 0.305% compared to the previous year. Austrian b...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 187 185 185
Fee Income (As % Of Revenues) % 33.5 33.4 35.2
Other Income EUR mil 4.00 6.90 8.80
Total Revenues EUR mil 287 289 299
Staff Cost EUR mil 103 106 110
Operating Profit EUR mil 119 108 107
Provisions EUR mil 21.6 44.8 30.0
Net Profit EUR mil 64.2 22.6 60.3
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 24.7 43.2 1,230
Customer Loans EUR mil 7,765 8,002 8,169
Debt Securities EUR mil 2,539 2,286 1,852
Total Assets EUR mil 12,131 12,133 12,013
Shareholders' Equity EUR mil 859 863 926
Interbank Borrowing EUR mil 1,742 1,266 1,251
Customer Deposits EUR mil 7,313 7,810 7,834
Issued Debt Securities EUR mil 1,689 1,650 1,632
Ratios 2015 2016 2017
ROE % 7.87 2.62 6.74
ROA % 0.526 0.186 0.499
Costs (As % Of Assets) % 1.37 1.49 1.59
Costs (As % Of Income) % 58.4 62.7 64.3
Capital Adequacy Ratio % 17.1 18.9 19.4
Net Interest Margin % 1.53 1.53 1.53
Loans (As % Of Deposits) % 106 102 104
NPLs (As % Of Loans) % 4.51 3.72 3.54
Provisions (As % Of NPLs) % 69.9 77.6 81.9
Growth Rates 2015 2016 2017
Total Revenue Growth % 2.36 0.628 3.54
Operating Cost Growth % 3.52 8.00 6.14
Operating Profit Growth % 0.761 -9.73 -0.836
Net Profit Growth % 228 -64.8 167
Customer Loan Growth % 1.61 3.05 2.08
Total Asset Growth % -1.21 0.015 -0.982
Customer Deposit Growth % 4.65 6.80 0.305
Shareholders' Equity Growth % 11.3 0.489 7.26
Employees 1,347 1,664 1,685

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summary Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                        
Net Interest Income EUR mil           168 156 178 181 187    
Total Revenues EUR mil           239 247 270 280 287    
Operating Profit EUR mil           98.8 104 107 118 119    
Net Profit EUR mil           30.5 45.8 36.6 19.6 64.2    
balance sheet                        
Interbank Loans EUR mil           1,314 1,297 1,325 133 24.7    
Customer Loans EUR mil           7,048 7,126 7,553 7,642 7,765    
Debt Securities EUR mil           2,635 2,938 2,888 2,719 2,539    
Total Assets EUR mil           11,805 12,108 12,437 12,279 12,131    
Shareholders' Equity EUR mil           634 759 758 772 859    
Interbank Borrowing EUR mil           2,946 2,852 2,579 2,141 1,742    
Customer Deposits EUR mil           6,107 6,297 6,912 6,988 7,313    
Issued Debt Securities EUR mil           1,491 1,670 1,729 1,828 1,689    
ratios                        
ROE %           5.23 6.58 4.83 2.56 7.87    
ROA %           0.263 0.383 0.298 0.159 0.526    
Costs (As % Of Assets) %           1.21 1.20 1.33 1.31 1.37    
Costs (As % Of Income) %           58.6 58.0 60.3 57.8 58.4    
Capital Adequacy Ratio %           15.3 15.9 17.0 15.9 17.1    
Net Interest Margin %           1.45 1.30 1.45 1.47 1.53    
Interest Income (As % Of Revenues) %           70.2 63.2 65.9 64.8 65.1    
Fee Income (As % Of Revenues) %           31.7 31.4 31.8 31.3 33.5    
Staff Cost (As % Of Total Cost) %           65.1 73.2 70.2 63.1 61.3    
Equity (As % Of Assets) %           5.37 6.27 6.09 6.29 7.08    
Loans (As % Of Deposits) %           115 113 109 109 106    
Loans (As % Assets) %           59.7 58.9 60.7 62.2 64.0    
NPLs (As % Of Loans) % ... ...       4.76 5.11 5.35 5.33 4.51    
Provisions (As % Of NPLs) % ... ...       67.6 67.4 65.4 73.6 69.9    
income statement Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                        
Interest Income EUR mil           327 306 304 ... ... ... ...
Interest Cost EUR mil           160 151 126 ... ... ... ...
Net Interest Income EUR mil           168 156 178 181 187    
Net Fee Income EUR mil           75.8 77.5 85.9 87.6 96.0    
Other Income EUR mil           -4.60 13.3 6.30 11.1 4.00    
Total Revenues EUR mil           239 247 270 280 287    
Staff Cost EUR mil           91.2 105 114 102 103    
Depreciation EUR mil           8.40 6.30 22.8 10.8 10.4    
Other Cost EUR mil           40.5 32.1 25.9 48.9 54.5    
Operating Cost EUR mil           140 143 163 162 168    
Operating Profit EUR mil           98.8 104 107 118 119    
Provisions EUR mil           53.3 51.5 51.6 83.6 21.6    
Extra and Other Cost EUR mil           6.10 -9.00 1.90 10.3 15.1    
Pre-Tax Profit EUR mil           39.4 61.1 53.8 24.4 82.5    
Tax EUR mil           8.60 15.0 17.0 3.40 18.1    
Minorities EUR mil           0.300 0.300 0.200 1.40 0.200    
Net Profit EUR mil           30.5 45.8 36.6 19.6 64.2    
growth rates                        
Net Interest Income Growth % ...         7.50 -7.16 14.5 1.80 2.92    
Net Fee Income Growth % ...         -8.01 2.24 10.8 1.98 9.59    
Total Revenue Growth % ...         1.83 3.18 9.70 3.59 2.36    
Operating Cost Growth % ...         -3.78 2.00 14.1 -0.797 3.52    
Operating Profit Growth % ...         11.0 4.86 3.57 10.3 0.761    
Pre-Tax Profit Growth % ...         -11.3 55.1 -11.9 -54.6 238    
Net Profit Growth % ...         -2.24 50.2 -20.1 -46.4 228    
market share                        
Market Share in Revenues %           1.24 1.29 1.43 1.40 1.38    
Market Share in Net Profit %           2.55 1.43 -3.91 -0.293 1.73    
Market Share in Employees % ...         1.55 1.58 1.76 1.78 1.84    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ...    
balance sheet Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                        
Cash EUR mil           265 205 291 1,245 1,301    
Interbank Loans EUR mil           1,314 1,297 1,325 133 24.7    
Customer Loans EUR mil           7,048 7,126 7,553 7,642 7,765    
Debt Securities EUR mil           2,635 2,938 2,888 2,719 2,539    
Fixed Assets EUR mil           75.0 72.6 77.4 75.8 74.1    
Total Assets EUR mil           11,805 12,108 12,437 12,279 12,131    
Shareholders' Equity EUR mil           634 759 758 772 859    
Of Which Minority Interest EUR mil           0.700 0.700 0.600 -0.500 1.00    
Liabilities EUR mil           11,171 11,350 11,679 11,507 11,272    
Interbank Borrowing EUR mil           2,946 2,852 2,579 2,141 1,742    
Customer Deposits EUR mil           6,107 6,297 6,912 6,988 7,313    
Issued Debt Securities EUR mil           1,491 1,670 1,729 1,828 1,689    
Other Liabilities EUR mil           628 530 459 550 529    
asset quality                        
Non-Performing Loans EUR mil ... ...       347 377 419 424 361    
Gross Loans EUR mil           7,283 7,380 7,827 7,954 8,018    
Total Provisions EUR mil           235 254 274 312 253    
growth rates                        
Customer Loan Growth % ...         -0.163 1.11 5.99 1.18 1.61    
Total Asset Growth % ...         3.63 2.57 2.71 -1.27 -1.21    
Shareholders' Equity Growth % ...         18.8 19.7 -0.132 1.90 11.3    
Customer Deposit Growth % ...         1.37 3.11 9.77 1.09 4.65    
market share                        
Market Share in Customer Loans %           1.58 1.62 1.74 1.79 1.80    
Market Share in Total Assets %           1.16 1.23 1.34 1.37 1.41    
Market Share in Customer Deposits %           1.75 1.78 1.91 1.87 1.90    
ratios Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                        
ROE %           5.23 6.58 4.83 2.56 7.87    
ROA %           0.263 0.383 0.298 0.159 0.526    
Costs (As % Of Assets) %           1.21 1.20 1.33 1.31 1.37    
Costs (As % Of Income) %           58.6 58.0 60.3 57.8 58.4    
Capital Adequacy Ratio %           15.3 15.9 17.0 15.9 17.1    
Tier 1 Ratio %           11.0 11.8 12.9 11.5 12.6    
Net Interest Margin %           1.45 1.30 1.45 1.47 1.53    
Interest Spread % ...         1.37 1.22 1.38 ... ... ... ...
Asset Yield %           2.82 2.56 2.48 ... ... ... ...
Cost Of Liabilities % ...         1.45 1.34 1.09 ... ... ... ...
Interest Income (As % Of Revenues) %           70.2 63.2 65.9 64.8 65.1    
Fee Income (As % Of Revenues) %           31.7 31.4 31.8 31.3 33.5    
Other Income (As % Of Revenues) %           -1.93 5.40 2.33 3.96 1.40    
Cost Per Employee USD per month ...         8,704 9,116 9,489 8,308 7,276    
Cost Per Employee (Local Currency) EUR per month ...         6,260 7,100 7,148 6,446 6,347    
Staff Cost (As % Of Total Cost) %           65.1 73.2 70.2 63.1 61.3    
Equity (As % Of Assets) %           5.37 6.27 6.09 6.29 7.08    
Loans (As % Of Deposits) %           115 113 109 109 106    
Loans (As % Assets) %           59.7 58.9 60.7 62.2 64.0    
NPLs (As % Of Loans) % ... ...       4.76 5.11 5.35 5.33 4.51    
Provisions (As % Of NPLs) % ... ...       67.6 67.4 65.4 73.6 69.9    
Provisions (As % Of Loans) %           3.33 3.56 3.63 4.08 3.25    
Cost of Provisions (As % Of Loans) %           0.756 0.727 0.703 1.10 0.283    
other data Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                        
Branches ... ... ... ... ... ... ... ... ... ...    
Employees ...         1,214 1,227 1,334 1,320 1,347    

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Sparkasse O's total revenues rose 3.54% to EUR 299 mil in 2017

By Helgi Analytics - September 29, 2018

Sparkasse Oberosterreich generated total banking revenues of EUR 299 mil in 2017, up 3.54% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to the last yea...

Sparkasse O's capital adequacy ratio rose 2.32% to 19.4% in 2017

By Helgi Analytics - June 13, 2018

Sparkasse Oberosterreich's capital adequacy ratio reached 19.4% at the end of 2017, up from 18.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 19.4% in 2017 and an all time low of 12.0% in 2008. The Tier 1 rati...

Sparkasse O's npls (as % of loans) fell 4.89% to 3.54% in 2017

By Helgi Analytics - June 13, 2018

Sparkasse Oberosterreich's non-performing loans reached 3.54% of total loans at the end of 2017, down from 3.72% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.35% in 2013 and an all time low of 2.74% in 2008. Provision...

Sparkasse O's net interest income fell 0.270% to EUR 185 mil in 2017

By Helgi Analytics - June 13, 2018

Sparkasse Oberosterreich generated total banking revenues of EUR 299 mil in 2017, up 3.54% 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 299 mil in 2017...

Sparkasse O's customer loan growth fell 31.8% to 2.08% in 2017

By Helgi Analytics - June 13, 2018

Sparkasse Oberosterreich's customer loan growth reached 2.08% in 2017, down from 3.05% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 15.5% in 2008 and an all time low of -0.163% in 2011. In the last decad...

Sparkasse O's net interest margin rose 0.215% to 1.45% in 2017

By Helgi Analytics - June 13, 2018

Sparkasse Oberosterreich's net interest margin amounted to 1.45% in 2013, up from 1.30% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.62% in 2007 and an all time low of 1.30% in 2012. The avera...

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Finance

Sparkasse Oberosterreich has been growing its revenues and asset by 1.98% and 2.12% a year on average in the last 10 years. Its loans and deposits have grown by 3.22% and 2.94% a year during that time and loans to deposits ratio reached 104% at the end of 2017. The company achieved an average return on equity of 6.32% in the last decade with net profit growing 0.494% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.3% in 2017, compared to 59.0% average in the last decade.

Equity represented 7.71% of total assets or 11.3% of loans at the end of 2017. Sparkasse Oberosterreich's non-performing loans were 3.54% of total loans while provisions covered some 81.9% of NPLs at the end of 2017.