Tatra banka

Tatra banka's mortgage loans rose 18.2% to EUR 3,469 mil in 2017

By Helgi Analytics - December 12, 2019

Tatra banka's mortgage loans reached EUR 3,469 mil in 2017, up 18.2% compared to the previous year. Slovak banking sector provi...

Tatra banka's customer loans rose 11.8% to EUR 9,333 mil in 2017

By Helgi Analytics - December 12, 2019

Tatra banka's customer loans reached EUR 9,333 mil in 2017, up 11.8% compared to the previous year. Slovak banking sector provi...

Tatra banka's retail deposits rose 11.0% to EUR 6,820 mil in 2017

By Helgi Analytics - July 16, 2018

Tatra banka's retail deposits reached EUR 6,820 mil in 2017, up 11.0% compared to the previous year. Slovak banking sector acce...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 289 275 272
Fee Income (As % Of Revenues) % 29.5 26.7 29.5
Other Income EUR mil 24.9 52.8 28.4
Total Revenues EUR mil 446 447 425
Staff Cost EUR mil 108 119 125
Operating Profit EUR mil 212 198 183
Provisions EUR mil 33.9 12.3 13.6
Net Profit EUR mil 121 126 124
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 126 148 220
Customer Loans EUR mil 7,923 8,351 9,333
Debt Securities EUR mil 1,969 1,881 1,444
Total Assets EUR mil 11,215 11,373 12,503
Shareholders' Equity EUR mil 996 994 992
Interbank Borrowing EUR mil 357 241 285
Customer Deposits EUR mil 8,719 8,967 10,037
Issued Debt Securities EUR mil 925 950 1,001
Ratios 2015 2016 2017
ROE % 12.1 12.7 12.5
ROA % 1.15 1.12 1.04
Costs (As % Of Assets) % 2.24 2.21 2.03
Costs (As % Of Income) % 52.4 55.8 57.0
Capital Adequacy Ratio % 18.2 19.7 18.7
Net Interest Margin % 2.77 2.43 2.27
Loans (As % Of Deposits) % 90.9 93.1 93.0
NPLs (As % Of Loans) % 3.39 3.51 2.90
Provisions (As % Of NPLs) % 80.2 66.6 70.0
Growth Rates 2015 2016 2017
Total Revenue Growth % -2.33 0.190 -4.85
Operating Cost Growth % -7.05 6.55 -2.72
Operating Profit Growth % 3.47 -6.82 -7.54
Net Profit Growth % 5.17 4.49 -1.30
Customer Loan Growth % 13.4 5.41 11.8
Total Asset Growth % 15.8 1.41 9.93
Customer Deposit Growth % 18.8 2.84 11.9
Shareholders' Equity Growth % -0.085 -0.234 -0.181
Employees 3,735 3,795 3,754

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summary Unit 1994 1995 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 ... ... ...                             291 278 296 305 289    
Total Revenues EUR mil ... ... ...                             417 426 440 457 446    
Operating Profit EUR mil ... ... ...                             190 177 162 205 212    
Net Profit EUR mil ... ... ...                             139 104 97.2 115 121    
balance sheet                                                
Interbank Loans EUR mil ... ... ...                             169 118 152 240 126    
Customer Loans EUR mil ... ... ...                             6,169 6,181 6,383 6,989 7,923    
Debt Securities EUR mil ... ... ...                             2,112 2,247 1,861 1,893 1,969    
Total Assets EUR mil ... ... ...                             9,161 9,073 9,469 9,681 11,215    
Shareholders' Equity EUR mil ... ... ...                             1,052 1,062 1,013 997 996    
Interbank Borrowing EUR mil ... ... ...                             101 118 357 190 357    
Customer Deposits EUR mil ... ... ...                             6,933 6,865 7,008 7,338 8,719    
Issued Debt Securities EUR mil ... ... ...                             874 839 922 822 925    
ratios                                                
ROE % ... ... ...                             14.6 9.80 9.36 11.4 12.1    
ROA % ... ... ...                             1.55 1.14 1.05 1.20 1.15    
Costs (As % Of Assets) % ... ... ...                             2.53 2.73 3.00 2.63 2.24    
Costs (As % Of Income) % ... ... ...                             54.4 58.4 63.2 55.1 52.4    
Capital Adequacy Ratio % ... ...               ... ... ...           13.1 15.2 16.6 19.6 18.2    
Net Interest Margin % ... ... ...                             3.25 3.05 3.19 3.19 2.77    
Interest Income (As % Of Revenues) % ... ... ...                             69.8 65.3 67.3 66.8 64.9    
Fee Income (As % Of Revenues) % ... ... ...                             24.9 25.9 26.1 27.2 29.5    
Staff Cost (As % Of Total Cost) % ... ... ...                             48.2 43.8 39.7 42.7 46.1    
Equity (As % Of Assets) % ... ... ...                             11.5 11.7 10.7 10.3 8.88    
Loans (As % Of Deposits) % ... ... ...                             89.0 90.0 91.1 95.2 90.9    
Loans (As % Assets) % ... ... ...                             67.3 68.1 67.4 72.2 70.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ...             4.97 5.22 5.02 4.83 3.39    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ...             59.5 62.2 59.0 61.2 80.2    
income statement Unit 1994 1995 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 ... ... ...                             367 357 347 345 322    
Interest Cost EUR mil ... ... ...                             76.4 78.5 50.9 39.7 32.5    
Net Interest Income EUR mil ... ... ...                             291 278 296 305 289    
Net Fee Income EUR mil ... ... ...                             104 110 115 124 132    
Other Income EUR mil ... ... ...                             22.0 37.4 29.0 27.2 24.9    
Total Revenues EUR mil ... ... ...                             417 426 440 457 446    
Staff Cost EUR mil ... ... ...                             109 109 110 107 108    
Depreciation EUR mil ... ... ...                             20.4 22.5 52.5 24.3 26.5    
Other Cost EUR mil ... ... ...                             97.0 117 115 120 99.6    
Operating Cost EUR mil ... ... ...                             227 249 278 252 234    
Operating Profit EUR mil ... ... ...                             190 177 162 205 212    
Provisions EUR mil ... ... ...                             15.1 45.1 34.0 53.2 33.9    
Extra and Other Cost EUR mil ... ... ...                             0 0.540 0 0 18.7    
Pre-Tax Profit EUR mil ... ... ...                             175 131 128 152 159    
Tax EUR mil ... ... ...                             35.6 27.9 30.9 37.2 38.9    
Minorities EUR mil ... ... ...                             0 0 0 0 0    
Net Profit EUR mil ... ... ...                             139 104 97.2 115 121    
growth rates                                                
Net Interest Income Growth % ... ... ... ...                           8.57 -4.34 6.36 3.15 -5.19    
Net Fee Income Growth % ... ... ... ...                           1.45 6.30 4.19 8.21 5.99    
Total Revenue Growth % ... ... ... ...                           7.81 2.24 3.26 3.84 -2.33    
Operating Cost Growth % ... ... ... ...                           3.87 9.68 11.7 -9.39 -7.05    
Operating Profit Growth % ... ... ... ...                           12.9 -6.66 -8.52 26.5 3.47    
Pre-Tax Profit Growth % ... ... ... ...                           40.8 -24.8 -2.58 18.6 5.03    
Net Profit Growth % ... ... ... ...                           47.7 -25.6 -6.15 18.0 5.17    
market share                                                
Market Share in Revenues % ... ... ...                             17.0 20.3 18.9 18.6 19.6    
Market Share in Net Profit % ... ... ... ... ... ...                       20.6 21.6 17.7 20.5 19.9    
Market Share in Employees %                                   19.0 18.3 18.6 18.5 19.8    
Market Share in Bank Cards % ... ... ... ... ... ...   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Branches % ...                                 14.6 14.9 16.9 18.4 20.9    
balance sheet Unit 1994 1995 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 ... ... ...                             349 175 689 338 907    
Interbank Loans EUR mil ... ... ...                             169 118 152 240 126    
Customer Loans EUR mil ... ... ...                             6,169 6,181 6,383 6,989 7,923    
Retail Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         2,712 2,907 3,197 3,435 3,976    
Mortgage Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,649 1,796 2,029 2,232 2,607    
Consumer Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,063 1,111 1,169 1,202 1,369    
Corporate Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         3,629 3,464 3,361 3,757 4,154    
Debt Securities EUR mil ... ... ...                             2,112 2,247 1,861 1,893 1,969    
Fixed Assets EUR mil ... ... ...                             122 89.2 122 116 116    
Total Assets EUR mil ... ... ...                             9,161 9,073 9,469 9,681 11,215    
Shareholders' Equity EUR mil ... ... ...                             1,052 1,062 1,013 997 996    
Of Which Minority Interest EUR mil ... ... ...                             0 0 0 0 0    
Liabilities EUR mil ... ... ...                             8,109 8,011 8,456 8,684 10,219    
Interbank Borrowing EUR mil ... ... ...                             101 118 357 190 357    
Customer Deposits EUR mil ... ... ...                             6,933 6,865 7,008 7,338 8,719    
Retail Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,397 4,233 4,212 4,525 5,268    
Corporate Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,444 2,560 2,717 2,721 3,398    
Sight Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,193 4,255 4,962 5,371 6,522    
Term Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,739 2,609 2,046 1,967 2,197    
Issued Debt Securities EUR mil ... ... ...                             874 839 922 822 925    
Other Liabilities EUR mil ... ... ...                             201 189 169 334 217    
asset quality                                                
Non-Performing Loans EUR mil ... ... ... ... ... ... ... ... ... ... ...             316 334 330 348 276    
Gross Loans EUR mil ... ... ...                             6,357 6,388 6,578 7,202 8,144    
Total Provisions EUR mil ... ... ...                             188 207 195 213 221    
growth rates                                                
Customer Loan Growth % ... ... ... ...                           10.8 0.187 3.27 9.49 13.4    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       13.8 7.21 9.98 7.42 15.8    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 8.92 12.9 10.1 16.8    
Consumer Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.55 5.22 2.86 13.9    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       7.73 -4.55 -2.96 11.8 10.6    
Total Asset Growth % ... ... ... ...                           4.55 -0.958 4.36 2.25 15.8    
Shareholders' Equity Growth % ... ... ... ...                           23.8 1.02 -4.65 -1.55 -0.085    
Customer Deposit Growth % ... ... ... ...                           1.93 -0.982 2.09 4.71 18.8    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -3.72 -0.481 7.43 16.4    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.74 6.13 0.140 24.9    
market share                                                
Market Share in Customer Loans % ... ... ...                             16.9 16.7 16.3 16.7 17.4    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ...         23.4 23.1 23.0 26.1 26.5    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 21.8 21.8 22.2 21.1 22.1    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ...         15.8 15.5 15.6 14.9 15.3    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 13.4 13.1 13.3 12.9 13.2    
Market Share in Total Assets % ... ... ...                             15.5 15.2 15.5 15.1 16.2    
Market Share in Customer Deposits % ... ... ...                             17.3 16.2 15.8 15.9 17.3    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 17.5 15.9 15.4 15.9 16.9    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 26.4 26.8 25.1 25.3 28.8    
ratios Unit 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                                
ROE % ... ... ...                             14.6 9.80 9.36 11.4 12.1    
ROA % ... ... ...                             1.55 1.14 1.05 1.20 1.15    
Costs (As % Of Assets) % ... ... ...                             2.53 2.73 3.00 2.63 2.24    
Costs (As % Of Income) % ... ... ...                             54.4 58.4 63.2 55.1 52.4    
Capital Adequacy Ratio % ... ...               ... ... ...           13.1 15.2 16.6 19.6 18.2    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   13.1 15.2 15.4 15.2 14.1    
Net Interest Margin % ... ... ...                             3.25 3.05 3.19 3.19 2.77    
Interest Spread % ... ... ... ...                           3.14 2.94 3.12 3.14 2.74    
Asset Yield % ... ... ...                             4.10 3.91 3.74 3.60 3.08    
Cost Of Liabilities % ... ... ... ...                           0.954 0.974 0.618 0.464 0.343    
Interest Income (As % Of Revenues) % ... ... ...                             69.8 65.3 67.3 66.8 64.9    
Fee Income (As % Of Revenues) % ... ... ...                             24.9 25.9 26.1 27.2 29.5    
Other Income (As % Of Revenues) % ... ... ...                             5.28 8.79 6.60 5.95 5.58    
Cost Per Employee USD per month ... ... ...                             3,609 3,407 3,533 3,346 2,757    
Cost Per Employee (Local Currency) EUR per month ... ... ...                             2,596 2,653 2,661 2,596 2,405    
Staff Cost (As % Of Total Cost) % ... ... ...                             48.2 43.8 39.7 42.7 46.1    
Equity (As % Of Assets) % ... ... ...                             11.5 11.7 10.7 10.3 8.88    
Loans (As % Of Deposits) % ... ... ...                             89.0 90.0 91.1 95.2 90.9    
Loans (As % Assets) % ... ... ...                             67.3 68.1 67.4 72.2 70.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ...             4.97 5.22 5.02 4.83 3.39    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ...             59.5 62.2 59.0 61.2 80.2    
Provisions (As % Of Loans) % ... ... ...                             3.05 3.36 3.05 3.05 2.79    
Cost of Provisions (As % Of Loans) % ... ... ...                             0.257 0.731 0.541 0.795 0.455    
other data Unit 1994 1995 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                                   151 158 160 174 198    
Employees                                   3,509 3,418 3,455 3,446 3,735    
ATMs ... ... ... ... ... ... ... ... ... ...   ... ... ... ... ...   ... ... ... 307 ... ...  
Clients mil ... ... ... ... ... ... ... ...   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Payment Cards '000 ... ... ... ... ... ...   ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 60.5 62.0 70.8 73.2 74.8    
Risk-Weighted Assets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5,388 5,249 ... ... ...

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Tatra banka's net profit fell 1.30% to EUR 124 mil in 2017

By Helgi Analytics - May 24, 2018

Tatra banka made a net profit of EUR 124 mil in 2017, down 1.30% compared to the previous year. This implies a return on equity of 12.5%. Historically, the bank’s net profit reached an all time high of EUR 139 mil in 2011 and an all time low of EUR 23.8 mil...

Tatra banka's npls (as % of loans) fell 17.4% to 2.90% in 2017

By Helgi Analytics - May 24, 2018

Tatra banka's non-performing loans reached 2.90% of total loans at the end of 2017, down from 3.51% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.78% in 2010 and an all time low of 2.81% in 2005. Provision coverage amo...

Tatra banka's customer deposits rose 11.9% to EUR 10,037 mil in 2017

By Helgi Analytics - December 12, 2019

Tatra banka's customer deposits reached EUR 10,037 mil in 2017, up 11.9% compared to the previous year. Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year. Tatra banka accounted for 18.4% of a...

Tatra banka's consumer loans rose 12.8% to EUR 1,673 mil in 2017

By Helgi Analytics - December 12, 2019

Tatra banka's consumer loans reached EUR 1,673 mil in 2017, up 12.8% 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. Tatra banka accounted for 15.7% of all cons...

Tatra banka's corporate loans rose 6.42% to EUR 4,391 mil in 2017

By Helgi Analytics - May 24, 2018

Tatra banka's loans reached EUR 9,527 mil in the 2017, up from EUR 8,551 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 9,527 mil in 2017 and an all time low of EUR 6,357 mil in 2011. In the last decade...

Tatra banka's capital adequacy ratio fell 5.08% to 18.7% in 2017

By Helgi Analytics - May 24, 2018

Tatra banka's capital adequacy ratio reached 18.7% at the end of 2017, down from 19.7% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 19.7% in 2016 and an all time low of 10.4% in 2010. The Tier 1 ratio amounted ...

Tatra banka's corporate deposits rose 14.6% to EUR 3,211 mil in 2017

By Helgi Analytics - July 16, 2018

Tatra banka's corporate deposits reached EUR 3,211 mil in 2017, up 14.6% 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. Tatra banka accounted for 26.0% of ...

Tatra banka's costs (as % of assets) fell 7.97% to 2.03% in 2017

By Helgi Analytics - May 24, 2018

Tatra banka's cost to income ratio reached 57.0% in 2017, up from 55.8% compared to the previous year. Historically, the bank’s costs reached an all time high of 72.4% of income in 2003 and an all time low of 26.8% in 1998. When compared to total assets, b...

Tatra banka's total revenues fell 4.85% to EUR 425 mil in 2017

By Helgi Analytics - July 16, 2018

Tatra banka generated total banking revenues of EUR 425 mil in 2017, down 4.85% 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. As ...

Tatra banka's net interest margin fell 6.44% to 2.27% in 2017

By Helgi Analytics - May 24, 2018

Tatra banka's net interest margin amounted to 2.27% in 2017, down from 2.43% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.55% in 2002 and an all time low of 0.486% in 2000. The average margin ...

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Tatra banka is a Slovakia-based bank. 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. The Bank operates through subsidiaries, including Tatra Asset Management, Eliot, or Pension Fund of Tatra banka, among others. Tatra banka was founded in 1990 and is based in Bratislava, the Slovak Republic. It is a subsidiary of Raiffeisen Bank International AG.

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Finance

Tatra banka has been growing its revenues and asset by 1.79% and 5.20% a year on average in the last 10 years. Its loans and deposits have grown by 8.59% and 6.14% a year during that time and loans to deposits ratio reached 93.0% at the end of 2017. The company achieved an average return on equity of 12.8% in the last decade with net profit growing 1.98% a year on average. In terms of operating efficiency, its cost to income ratio reached 57.0% in 2017, compared to 56.6% average in the last decade.

Equity represented 7.94% of total assets or 10.6% of loans at the end of 2017. Tatra banka's non-performing loans were 2.90% of total loans while provisions covered some 70.0% of NPLs at the end of 2017.