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Wustenrot Stavebna Sporitelna

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Wustenrot Stavebna Sporitelna

Wüstenrot Stavebná Sporitel'ňa (WSS) is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. Wustenrot Stavebna Sporitelna originally operated under the name of VUB Wustenrot. In December 2003, VUB sold its fifty percent stake in the home savings bank to the

Read more »
Wüstenrot Stavebná Sporitel'ňa (WSS) is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. Wustenrot Stavebna Sporitelna originally operated under the name of VUB Wustenrot. In December 2003, VUB sold its fifty percent stake in the home savings bank to the Wustenrot Group. Austrian Wustenrot Verwaltungs-und Dienstleistungen GmbH thus increased its control in the bank from 30 to 60%, and the German Wustenrot & Wurttembergische AG share rose from 20 to 40%

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summary Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                    9.36 8.75 8.28 9.02 9.76    
                    12.6 11.4 11.0 11.5 12.1    
                    3.86 2.66 1.92 2.42 4.85    
                    2.08 2.02 0.855 1.15 1.50    

balance sheet

                    53.8 27.1 10.0 0.000 0.000    
                    174 174 183 199 217    
                    110 151 163 165 156    
                    351 375 386 383 391    
                    40.2 42.7 40.6 40.6 39.5    
                    0.000 0.000 0.000 0.006 0.000    
                    308 329 343 339 348    
                    0.000 0.000 0.000 0.000 0.000    

ratios

                    5.04% 4.86% 2.05% 2.82% 3.74%    
                    0.622% 0.556% 0.225% 0.298% 0.387%    
                    2.62% 2.40% 2.38% 2.37% 1.88%    
                    69.4% 76.6% 82.5% 79.1% 60.0%    
... ... ... ... ... ... ... ... ... ... 18.9% 17.1% 16.7% 18.1% 18.5%    
                    2.80% 2.41% 2.18% 2.34% 2.52%    
                    74.1% 76.9% 75.5% 78.1% 80.5%    
                    23.4% 20.3% 22.0% 19.5% 19.5%    
                    32.7% 36.0% 38.4% 40.1% 48.2%    
                    11.4% 11.4% 10.5% 10.6% 10.1%    
                    56.5% 52.9% 53.3% 58.7% 62.5%    
                    49.6% 46.5% 47.3% 52.0% 55.6%    
                    5.44% 5.55% 5.87% 6.08% 6.24%    
                    62.2% 65.3% 64.1% 56.3% 60.1%    

Download Data
income statement Unit
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
                    15.9 15.9 15.6 15.6 15.3    
                    6.57 7.18 7.35 6.57 5.59    
                    9.36 8.75 8.28 9.02 9.76    
                    2.96 2.31 2.41 2.26 2.36    
                    0.307 0.324 0.281 0.271 0.000    
                    12.6 11.4 11.0 11.5 12.1    
                    2.86 3.14 3.48 3.66 3.51    
                    0.651 0.577 0.504 0.577 0.664    
                    5.25 5.00 5.07 4.89 3.10    
                    8.76 8.72 9.05 9.13 7.27    
                    3.86 2.66 1.92 2.42 4.85    
                    1.20 0.489 0.610 0.767 1.70    
                    0.000 0.000 -0.018 0.000 1.04    
                    2.66 2.18 1.33 1.65 2.11    
                    0.580 0.159 0.475 0.505 0.613    
                    0.000 0.000 0.000 0.000 0.000    
                    2.08 2.02 0.855 1.15 1.50    

growth rates

...                   4.86% -6.44% -5.40% 8.94% 8.18%    
...                   -0.971% -21.9% 4.46% -6.55% 4.83%    
...                   3.05% -9.78% -3.63% 5.21% 4.99%    
...                   6.35% -0.456% 3.77% 0.851% -20.4%    
...                   -3.72% -30.9% -27.9% 25.8% 101%    
...                   -26.2% -18.2% -38.9% 24.1% 27.9%    
...                   -26.4% -3.03% -57.6% 33.9% 30.7%    

market share

                    0.516% 0.543% 0.473% 0.469% 0.532%    
                    0.308% 0.420% 0.156% 0.204% 0.247%    
                    0.862% 1.20% 1.30% 1.40% 1.39%    

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

balance sheet

                    2.32 12.0 18.6 7.96 6.33    
                    53.8 27.1 10.0 0.000 0.000    
                    174 174 183 199 217    
                    141 136 144 161 172    
                    141 136 144 161 172    
                    0.000 0.000 0.000 0.000 0.000    
                    33.3 38.4 39.0 43.2 44.9    
                    110 151 163 165 156    
                    9.12 9.19 9.35 8.11 6.94    
                    351 375 386 383 391    
                    40.2 42.7 40.6 40.6 39.5    
                    0.000 0.000 0.000 0.000 0.000    
                    311 332 346 343 351    
                    0.000 0.000 0.000 0.006 0.000    
                    308 329 343 339 348    
                    295 317 330 325 335    
                    9.20 7.88 8.58 10.2 8.89    
                    0.000 0.000 0.000 0.000 0.000    
                    2.96 3.02 3.04 3.44 3.48    

asset quality

                    9.81 10.0 11.1 12.5 14.1    
                    180 181 190 206 226    
                    6.10 6.55 7.14 7.07 8.46    

growth rates

...                   -1.20% 0.000% 4.98% 8.98% 9.11%    
...                   -6.78% -3.65% 5.98% 11.9% 7.15%    
...                   -6.78% -3.65% 5.98% 11.9% 7.15%    
...                   32.3% 15.4% 1.47% 10.7% 3.93%    
...                   10.7% 6.66% 3.11% -0.798% 2.03%    
...                   -4.91% 6.21% -4.94% 0.022% -2.79%    
...                   13.2% 6.77% 4.17% -1.02% 2.62%    
... ... ... ...             11.9% 7.34% 4.17% -1.48% 3.06%    
... ... ... ...             57.1% -14.4% 8.91% 18.8% -12.8%    

market share

                    0.478% 0.469% 0.466% 0.477% 0.478%    
                    0.214% 0.257% 0.267% 0.301% 0.286%    
                    0.000% 0.000% 0.000% 0.000% 0.000%    
                    0.819% 0.723% 0.700% 0.698% 0.666%    
                    1.14% 0.991% 0.940% 0.927% 0.875%    
                    0.595% 0.627% 0.633% 0.596% 0.566%    
                    0.768% 0.776% 0.773% 0.736% 0.690%    
                    1.17% 1.19% 1.21% 1.14% 1.08%    
... ...                 0.099% 0.082% 0.079% 0.095% 0.075%    

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

ratios

                    5.04% 4.86% 2.05% 2.82% 3.74%    
                    0.622% 0.556% 0.225% 0.298% 0.387%    
                    2.62% 2.40% 2.38% 2.37% 1.88%    
                    69.4% 76.6% 82.5% 79.1% 60.0%    
... ... ... ... ... ... ... ... ... ... 18.9% 17.1% 16.7% 18.1% 18.5%    
... ... ... ... ... ... ... ... ... ... 18.4% 16.1% 16.1% 18.1% 18.5%    
                    2.80% 2.41% 2.18% 2.34% 2.52%    
...                   2.52% 2.16% 1.94% 2.14% 2.35%    
                    4.76% 4.39% 4.11% 4.05% 3.96%    
...                   2.24% 2.23% 2.17% 1.91% 1.61%    
                    74.1% 76.9% 75.5% 78.1% 80.5%    
                    23.4% 20.3% 22.0% 19.5% 19.5%    
                    2.43% 2.85% 2.56% 2.35% 0.000%    
                    2,086 1,508 1,596 1,507 1,273    
                    1,501 1,175 1,202 1,169 1,111    
                    32.7% 36.0% 38.4% 40.1% 48.2%    
                    11.4% 11.4% 10.5% 10.6% 10.1%    
                    56.5% 52.9% 53.3% 58.7% 62.5%    
                    49.6% 46.5% 47.3% 52.0% 55.6%    
                    5.44% 5.55% 5.87% 6.08% 6.24%    
                    62.2% 65.3% 64.1% 56.3% 60.1%    
                    3.50% 3.76% 3.91% 3.55% 3.89%    
                    0.685% 0.281% 0.342% 0.402% 0.818%    

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other data Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

                    159 223 241 261 263    

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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.

Wustenrot Stavebna Sporitelna in Numbers

This Annual statistical dossier offers a summary of Wustenrot Stavebna Sporitelna's performance between 2001 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

Read more »

This Annual statistical dossier offers a summary of Wustenrot Stavebna Sporitelna's performance between 2001 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 WSS'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.

Wüstenrot Stavebná Sporitel'ňa at a Glance

Wüstenrot Stavebná Sporitel'ňa (WSS) is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. Wustenrot Stavebna Sporitelna originally operated under the name of VUB Wustenrot. In

Read more »

Wüstenrot Stavebná Sporitel'ňa (WSS) is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. Wustenrot Stavebna Sporitelna originally operated under the name of VUB Wustenrot. In December 2003, VUB sold its fifty percent stake in the home savings bank to the Wustenrot Group. Austrian Wustenrot Verwaltungs-und Dienstleistungen GmbH thus increased its control in the bank from 30 to 60%, and the German Wustenrot & Wurttembergische AG share rose from 20 to 40%.

This report offers a summary of the bank's performance in 2001-2013. 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

Wüstenrot Stavebná Sporitel'ňa in Numbers

Wüstenrot Stavebná Sporitel'ňa (WSS) is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. Wustenrot Stavebna Sporitelna originally operated under the name of VUB Wustenrot. In

Read more »

Wüstenrot Stavebná Sporitel'ňa (WSS) is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. Wustenrot Stavebna Sporitelna originally operated under the name of VUB Wustenrot. In December 2003, VUB sold its fifty percent stake in the home savings bank to the Wustenrot Group. Austrian Wustenrot Verwaltungs-und Dienstleistungen GmbH thus increased its control in the bank from 30 to 60%, and the German Wustenrot & Wurttembergische AG share rose from 20 to 40%.

This excel file offers a summary of the bank's performance in 2001-2013. 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

Wustenrot Stavebna Sporitelna's corporate loans reached EUR 47.7 mil in 2017, up 3.35% compared to the previous year.

Slovak banking sector provided corporate loans of EUR 17.5 bil in 2017, up 6.08% when compared to the last

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Wustenrot Stavebna Sporitelna's corporate loans reached EUR 47.7 mil in 2017, up 3.35% compared to the previous year.

Slovak banking sector provided corporate loans of EUR 17.5 bil in 2017, up 6.08% when compared to the last year.

Wustenrot Stavebna Sporitelna accounted for 0.272% of all corporate loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in corporate loans reached an all time high of 0.301% in 2014 and an all time low of 0.011% in 2001.

That's compared to a 0.554% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at Wustenrot Stavebna Sporitelna Profile, or you can download a report on the firm in the report section.

Wustenrot Stavebna Sporitelna's consumer loans reached EUR 0.000 mil in 2017, down 0.000% compared to the previous year.

Slovak banking sector provided consumer loans of EUR 7.70 bil in 2017, up 12.4% when compared to the

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Wustenrot Stavebna Sporitelna's consumer loans reached EUR 0.000 mil in 2017, down 0.000% compared to the previous year.

Slovak banking sector provided consumer loans of EUR 7.70 bil in 2017, up 12.4% when compared to the last year.

Wustenrot Stavebna Sporitelna accounted for 0.769% of all consumer loans issued in Slovakia at the end of 2017. Historically, the bank’s market share in consumer loans reached an all time high of 8.06% in 2001 and an all time low of 0.642% in 2016.

That's compared to a 0.554% market share the bank held in terms of total assets at the end of 2017.

You can see all the company’s data at Wustenrot Stavebna Sporitelna Profile, or you can download a report on the firm in the report section.

Wustenrot Stavebna Sporitelna's loans reached EUR 310 mil in the 2017, up from EUR 244 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 310 mil in 2017 and an all time low of

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Wustenrot Stavebna Sporitelna's loans reached EUR 310 mil in the 2017, up from EUR 244 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 310 mil in 2017 and an all time low of EUR 144 mil in 2005.

In the last decade, the average annual loan growth amounted to 5.59%.

At the end of 2017, Wustenrot Stavebna Sporitelna's loans accounted for 79.8% of total deposits and 71.5% of total assets.

Mortgage loans represented 81.4% of the bank's loan book at the end of the year 2017, consumer further 0.000% and corporate loans 15.4% of total loans.

You can see all the bank’s data at Wustenrot Stavebna Sporitelna profile, or you can download a report on the bank in the report section.

Based on a comparison of 14 banks in Slovakia in 2017, Slovenska Sporitelna was the largest bank by assets, followed by VUB Banka and Tatra banka.

Slovenska Sporitelna assets reached 16,343, up 10.2% when compared to the last year.

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Based on a comparison of 14 banks in Slovakia in 2017, Slovenska Sporitelna was the largest bank by assets, followed by VUB Banka and Tatra banka.

Slovenska Sporitelna assets reached 16,343, up 10.2% when compared to the last year. Historically, the bank’s assets reached an all time high of 16,343 in 2017 and an all time low of 3,591 in 1998.

Comparing Slovenska Sporitelna with its closest peers, VUB Banka assets amounted to 14,971, Tatra banka operated with 12,503 assets and CSOB Slovakia had total assets of 9,221.

Total assets of the Slovak banking sector amounted to EUR 75.8 bil in 2017, up 6.23% when compared to the last year. As a result, the top ranked company - Slovenska Sporitelna accounted for 21.6% of the sector’s assets in 2017. The top 3 companies held a 57.8% share while the five largest firms some 76.7% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Slovak banks in the report section.

See all charts of the company »
WSS's mortgage loans rose 33.7% to EUR 252 mil in 2017
WSS's customer loans rose 27.8% to EUR 300 mil in 2017
WSS's customer deposits rose 4.74% to EUR 376 mil in 2017
WSS's net interest margin fell 5.02% to 2.22% in 2017
WSS's retail deposits rose 4.77% to EUR 363 mil in 2017
WSS's corporate loans rose 3.35% to EUR 47.7 mil in 2017
WSS's corporate loans rose 3.35% to EUR 47.7 mil in 2017
WSS's corporate deposits rose 5.17% to EUR 9.30 mil in 2017
WSS's net profit rose 54.5% to EUR 1.42 mil in 2017
WSS's npls (as % of loans) fell 22.4% to 4.85% in 2017