By Helgi Library - September 22, 2018
Bank Austria Group's net interest margin amounted to 0.943% in 2017, up from 0.643% compared to the previous year. Histori...
By Helgi Library - September 22, 2018
Bank Austria Group's net interest margin amounted to 0.943% in 2017, up from 0.643% compared to the previous year. Histori...
By Helgi Library - September 22, 2018
Bank Austria Group employed 5,874 persons in 2017, down 78.9% when compared to the previous year. Historically, the bank's workf...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 3,386 | 962 | 980 |
| Net Fee Income | EUR mil | 1,439 | 676 | 712 |
| Other Income | EUR mil | 434 | 96.0 | 95.0 |
| Total Revenues | EUR mil | 5,259 | 1,734 | 1,787 |
| Staff Cost | EUR mil | 1,164 | 1,093 | 681 |
| Operating Profit | EUR mil | 2,410 | -331 | 399 |
| Provisions | EUR mil | 1,481 | 251 | 61.0 |
| Net Profit | EUR mil | 1,325 | -476 | 539 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 32,214 | 20,762 | 19,688 |
| Customer Loans | EUR mil | 116,377 | 60,926 | 60,032 |
| Total Assets | EUR mil | 193,638 | 105,785 | 102,128 |
| Shareholders' Equity | EUR mil | 15,394 | 7,892 | 8,422 |
| Interbank Borrowing | EUR mil | 23,432 | 13,939 | 15,126 |
| Customer Deposits | EUR mil | 110,346 | 56,239 | 55,463 |
| Issued Debt Securities | EUR mil | 28,802 | 17,394 | 14,722 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 8.74 | -4.09 | 6.61 |
| ROA | % | 0.692 | -0.318 | 0.518 |
| Costs (As % Of Assets) | % | 1.49 | 1.38 | 1.34 |
| Costs (As % Of Income) | % | 54.2 | 119 | 77.7 |
| Capital Adequacy Ratio | % | 14.9 | 20.8 | 22.5 |
| Net Interest Margin | % | 1.77 | 0.643 | 0.943 |
| Loans (As % Of Deposits) | % | 105 | 108 | 108 |
| NPLs (As % Of Loans) | % | 8.49 | 4.63 | 4.25 |
| Provisions (As % Of NPLs) | % | 56.3 | 73.9 | 68.9 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -0.717 | -67.0 | 3.06 |
| Operating Cost Growth | % | -10.2 | -27.5 | -32.8 |
| Operating Profit Growth | % | 13.5 | -114 | -221 |
| Net Profit Growth | % | -4.19 | -136 | -213 |
| Customer Loan Growth | % | 2.33 | -47.6 | -1.47 |
| Total Asset Growth | % | 2.39 | -45.4 | -3.46 |
| Customer Deposit Growth | % | 7.90 | -49.0 | -1.38 |
| Shareholders' Equity Growth | % | 3.14 | -48.7 | 6.72 |
| Employees | 35,523 | 27,863 | 5,874 | |
Get all company financials in excel:
| summary | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||
| Net Interest Income | EUR mil | ... | ... | ... | ... | 4,495 | 4,110 | 4,132 | 3,433 | 3,386 | |||||||
| Total Revenues | EUR mil | ... | ... | ... | ... | 6,793 | 6,439 | 6,790 | 5,297 | 5,259 | |||||||
| Operating Profit | EUR mil | ... | ... | ... | ... | 3,155 | 2,926 | 3,093 | 2,124 | 2,410 | |||||||
| Net Profit | EUR mil | 209 | 423 | -1,603 | 1,383 | 1,325 | |||||||||||
| balance sheet | |||||||||||||||||
| Interbank Loans | EUR mil | ... | ... | ... | ... | 25,621 | 28,112 | 24,967 | 30,542 | 32,214 | |||||||
| Customer Loans | EUR mil | ... | ... | ... | ... | 134,914 | 132,424 | 129,121 | 113,732 | 116,377 | |||||||
| Debt Securities | EUR mil | ... | ... | ... | ... | 21,711 | 26,239 | 25,865 | 26,363 | 28,396 | |||||||
| Total Assets | EUR mil | 199,229 | 207,596 | 196,210 | 189,118 | 193,638 | |||||||||||
| Shareholders' Equity | EUR mil | 17,661 | 18,192 | 15,052 | 14,925 | 15,394 | |||||||||||
| Interbank Borrowing | EUR mil | ... | ... | ... | ... | 32,772 | 31,061 | 27,020 | 23,696 | 23,432 | |||||||
| Customer Deposits | EUR mil | ... | ... | ... | ... | 104,728 | 110,563 | 108,935 | 102,271 | 110,346 | |||||||
| Issued Debt Securities | EUR mil | ... | ... | ... | ... | 29,931 | 28,063 | 29,049 | 30,014 | 28,802 | |||||||
| ratios | |||||||||||||||||
| ROE | % | 1.19 | 2.36 | -9.64 | 9.23 | 8.74 | |||||||||||
| ROA | % | 0.107 | 0.208 | -0.794 | 0.718 | 0.692 | |||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | 1.85 | 1.73 | 1.83 | 1.65 | 1.49 | |||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | 53.6 | 54.6 | 54.4 | 59.9 | 54.2 | |||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 12.7 | 12.5 | 13.5 | 13.4 | 14.9 | |||||||
| Net Interest Margin | % | ... | ... | ... | ... | 2.29 | 2.02 | 2.05 | 1.78 | 1.77 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | 66.2 | 63.8 | 60.9 | 64.8 | 64.4 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | 27.7 | 23.9 | 25.0 | 25.8 | 27.4 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 55.2 | 54.5 | 53.9 | 51.1 | 40.9 | |||||||
| Equity (As % Of Assets) | % | 8.86 | 8.76 | 7.67 | 7.89 | 7.95 | |||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | 129 | 120 | 119 | 111 | 105 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | 67.7 | 63.8 | 65.8 | 60.1 | 60.1 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 10.2 | 9.15 | 8.38 | 9.22 | 8.49 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 47.9 | 58.8 | 61.0 | 55.4 | 56.3 | |||||||
| valuation | |||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | -1.06 | -8.57 | 0.535 | -16.9 | -1.37 |
| income statement | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||
| Interest Income | EUR mil | ... | ... | ... | ... | 8,671 | 8,316 | 7,508 | 6,365 | 6,269 | |||||||
| Interest Cost | EUR mil | ... | ... | ... | ... | 4,176 | 4,206 | 3,376 | 2,932 | 2,883 | |||||||
| Net Interest Income | EUR mil | ... | ... | ... | ... | 4,495 | 4,110 | 4,132 | 3,433 | 3,386 | |||||||
| Net Fee Income | EUR mil | ... | ... | ... | ... | 1,885 | 1,536 | 1,698 | 1,367 | 1,439 | |||||||
| Other Income | EUR mil | ... | ... | ... | ... | 413 | 793 | 960 | 497 | 434 | |||||||
| Total Revenues | EUR mil | ... | ... | ... | ... | 6,793 | 6,439 | 6,790 | 5,297 | 5,259 | |||||||
| Staff Cost | EUR mil | ... | ... | ... | ... | 2,008 | 1,914 | 1,992 | 1,620 | 1,164 | |||||||
| Depreciation | EUR mil | ... | ... | ... | ... | 0 | 0 | 0 | 172 | 159 | |||||||
| Other Cost | EUR mil | ... | ... | ... | ... | 1,630 | 1,599 | 1,705 | 1,553 | 1,685 | |||||||
| Operating Cost | EUR mil | ... | ... | ... | ... | 3,638 | 3,513 | 3,697 | 3,173 | 2,849 | |||||||
| Operating Profit | EUR mil | ... | ... | ... | ... | 3,155 | 2,926 | 3,093 | 2,124 | 2,410 | |||||||
| Provisions | EUR mil | ... | ... | ... | ... | 2,277 | 1,646 | 1,883 | 1,039 | 1,481 | |||||||
| Extra and Other Cost | EUR mil | ... | ... | ... | ... | 369 | 54.0 | 1,914 | -561 | -389 | |||||||
| Pre-Tax Profit | EUR mil | ... | ... | ... | ... | 509 | 1,226 | -704 | 1,646 | 1,318 | |||||||
| Tax | EUR mil | ... | ... | ... | ... | 250 | 326 | 534 | 287 | 86.0 | |||||||
| Minorities | EUR mil | ... | ... | ... | ... | 50.0 | 38.0 | -27.0 | -23.0 | -93.0 | |||||||
| Net Profit | EUR mil | 209 | 423 | -1,603 | 1,383 | 1,325 | |||||||||||
| growth rates | |||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | -1.06 | -8.57 | 0.535 | -16.9 | -1.37 | ||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | -5.28 | -18.5 | 10.5 | -19.5 | 5.27 | ||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | -2.02 | -5.21 | 5.45 | -22.0 | -0.717 | ||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | 5.08 | -3.44 | 5.24 | -14.2 | -10.2 | ||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | -9.10 | -7.26 | 5.71 | -31.3 | 13.5 | ||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | -55.6 | 141 | -157 | -334 | -19.9 | ||||||
| Net Profit Growth | % | ... | -72.0 | 102 | -479 | -186 | -4.19 |
| balance sheet | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||||
| Cash | EUR mil | ... | ... | ... | ... | 2,919 | 2,754 | 2,663 | 1,942 | 2,146 | |||||||
| Interbank Loans | EUR mil | ... | ... | ... | ... | 25,621 | 28,112 | 24,967 | 30,542 | 32,214 | |||||||
| Customer Loans | EUR mil | ... | ... | ... | ... | 134,914 | 132,424 | 129,121 | 113,732 | 116,377 | |||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | 34,760 | 36,651 | 35,177 | 28,569 | 28,736 | |||||||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | 25,005 | 28,188 | 27,419 | 24,437 | 25,135 | |||||||
| Consumer Loans | EUR mil | ... | ... | ... | ... | 9,755 | 8,463 | 7,758 | 4,132 | 3,601 | |||||||
| Corporate Loans | EUR mil | ... | ... | ... | ... | 100,154 | 95,773 | 93,944 | 85,163 | 87,641 | |||||||
| Debt Securities | EUR mil | ... | ... | ... | ... | 21,711 | 26,239 | 25,865 | 26,363 | 28,396 | |||||||
| Fixed Assets | EUR mil | ... | ... | ... | ... | 5,442 | 4,968 | 2,427 | 2,318 | 2,353 | |||||||
| Total Assets | EUR mil | 199,229 | 207,596 | 196,210 | 189,118 | 193,638 | |||||||||||
| Shareholders' Equity | EUR mil | 17,661 | 18,192 | 15,052 | 14,925 | 15,394 | |||||||||||
| Of Which Minority Interest | EUR mil | ... | ... | ... | ... | 534 | 530 | 485 | 193 | 238 | |||||||
| Liabilities | EUR mil | 181,568 | 189,404 | 181,158 | 174,193 | 178,244 | |||||||||||
| Interbank Borrowing | EUR mil | ... | ... | ... | ... | 32,772 | 31,061 | 27,020 | 23,696 | 23,432 | |||||||
| Customer Deposits | EUR mil | ... | ... | ... | ... | 104,728 | 110,563 | 108,935 | 102,271 | 110,346 | |||||||
| Retail Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Corporate Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Sight Deposits | EUR mil | ... | ... | ... | ... | 45,152 | 55,767 | 56,179 | 55,186 | 64,908 | |||||||
| Term Deposits | EUR mil | ... | ... | ... | ... | 59,576 | 54,796 | 52,756 | 47,085 | 45,438 | |||||||
| Issued Debt Securities | EUR mil | ... | ... | ... | ... | 29,931 | 28,063 | 29,049 | 30,014 | 28,802 | |||||||
| Other Liabilities | EUR mil | ... | ... | ... | ... | 14,137 | 19,717 | 16,154 | 18,212 | 15,664 | |||||||
| asset quality | |||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | 14,470 | 12,802 | 11,409 | 11,057 | 10,381 | |||||||
| Gross Loans | EUR mil | ... | ... | ... | ... | 141,844 | 139,954 | 136,085 | 119,862 | 122,219 | |||||||
| Total Provisions | EUR mil | ... | ... | ... | ... | 6,930 | 7,530 | 6,964 | 6,130 | 5,842 | |||||||
| growth rates | |||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | 3.71 | -1.85 | -2.49 | -11.9 | 2.33 | ||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | 3.43 | 5.44 | -4.02 | -18.8 | 0.585 | ||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | 1.03 | 12.7 | -2.73 | -10.9 | 2.86 | ||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | 10.2 | -13.2 | -8.33 | -46.7 | -12.9 | ||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | 3.80 | -4.37 | -1.91 | -9.35 | 2.91 | ||||||
| Total Asset Growth | % | ... | 3.20 | 4.20 | -5.48 | -3.61 | 2.39 | ||||||||||
| Shareholders' Equity Growth | % | ... | 1.06 | 3.01 | -17.3 | -0.844 | 3.14 | ||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | 4.43 | 5.57 | -1.47 | -6.12 | 7.90 | ||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||||
| ROE | % | 1.19 | 2.36 | -9.64 | 9.23 | 8.74 | |||||||||||
| ROA | % | 0.107 | 0.208 | -0.794 | 0.718 | 0.692 | |||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | 1.85 | 1.73 | 1.83 | 1.65 | 1.49 | |||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | 53.6 | 54.6 | 54.4 | 59.9 | 54.2 | |||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 12.7 | 12.5 | 13.5 | 13.4 | 14.9 | |||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | 10.9 | 10.8 | 11.6 | 10.3 | 11.0 | |||||||
| Net Interest Margin | % | ... | ... | ... | ... | 2.29 | 2.02 | 2.05 | 1.78 | 1.77 | |||||||
| Interest Spread | % | ... | ... | ... | ... | 2.08 | 1.82 | 1.90 | 1.65 | 1.64 | |||||||
| Asset Yield | % | ... | ... | ... | ... | 4.42 | 4.09 | 3.72 | 3.30 | 3.28 | |||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | 2.34 | 2.27 | 1.82 | 1.65 | 1.64 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | 66.2 | 63.8 | 60.9 | 64.8 | 64.4 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | 27.7 | 23.9 | 25.0 | 25.8 | 27.4 | |||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | 6.08 | 12.3 | 14.1 | 9.38 | 8.25 | |||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 3,920 | 3,520 | 4,111 | 4,808 | 3,130 | |||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | 2,820 | 2,741 | 3,097 | 3,730 | 2,731 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 55.2 | 54.5 | 53.9 | 51.1 | 40.9 | |||||||
| Equity (As % Of Assets) | % | 8.86 | 8.76 | 7.67 | 7.89 | 7.95 | |||||||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | 129 | 120 | 119 | 111 | 105 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | 67.7 | 63.8 | 65.8 | 60.1 | 60.1 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 10.2 | 9.15 | 8.38 | 9.22 | 8.49 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 47.9 | 58.8 | 61.0 | 55.4 | 56.3 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | 5.14 | 5.69 | 5.39 | 5.39 | 5.02 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | 1.72 | 1.23 | 1.44 | 0.856 | 1.29 |
| other data | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||||||
| Branches | ... | ... | ... | ... | 3,040 | 2,970 | 2,789 | 1,664 | 1,510 | ||||||||
| Employees | ... | ... | ... | ... | 59,345 | 58,182 | 53,598 | 36,192 | 35,523 | ||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | 43.1 | 50.4 | 51.6 | 54.0 | 58.8 | |||||||
| Risk-Weighted Assets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 127,522 | 129,532 |
Get all company financials in excel:
By Helgi Library - September 22, 2018
Bank Austria Group employed 5,874 persons in 2017, down 78.9% when compared to the previous year. Historically, the bank's workforce hit an all time high of 67,002 persons in 2008 and an all time low of 5,874 in 2017. Average cost reached USD 10,848 per month per...
By Helgi Library - September 22, 2018
Bank Austria Group's non-performing loans reached 4.25% of total loans at the end of 2017, down from 4.63% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.2% in 2011 and an all time low of 2.79% in 2007. Provision cover...
By Helgi Library - September 22, 2018
Bank Austria Group's non-performing loans reached 4.25% of total loans at the end of 2017, down from 4.63% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.2% in 2011 and an all time low of 2.79% in 2007. Provision cover...
By Helgi Library - September 22, 2018
Bank Austria Group's capital adequacy ratio reached 22.5% at the end of 2017, up from 20.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 22.5% in 2017 and an all time low of 9.19% in 2008. The Tier 1 ratio amou...
By Helgi Library - September 22, 2018
Bank Austria Group's capital adequacy ratio reached 22.5% at the end of 2017, up from 20.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 22.5% in 2017 and an all time low of 9.19% in 2008. The Tier 1 ratio amou...
By Helgi Library - September 22, 2018
Bank Austria Group's loans reached EUR 61,843 mil in the 2017, down from EUR 63,086 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 141,844 mil in 2011 and an all time low of EUR 61,843 mil in 2017. In t...
By Helgi Library - September 22, 2018
Bank Austria Group's loans reached EUR 61,843 mil in the 2017, down from EUR 63,086 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 141,844 mil in 2011 and an all time low of EUR 61,843 mil in 2017. In t...
By Helgi Library - September 22, 2018
Bank Austria Group's cost to income ratio reached 77.7% in 2017, down from 119% compared to the previous year. Historically, the bank’s costs reached an all time high of 119% of income in 2016 and an all time low of 46.6% in 2009. When compared to total as...
By Helgi Library - September 22, 2018
Bank Austria Group's cost to income ratio reached 77.7% in 2017, down from 119% compared to the previous year. Historically, the bank’s costs reached an all time high of 119% of income in 2016 and an all time low of 46.6% in 2009. When compared to total as...
By Helgi Library - September 22, 2018
Bank Austria Group made a net profit of EUR 539 mil in 2017, up 213% compared to the previous year. This implies a return on equity of 6.61%. Historically, the bank’s net profit reached an all time high of EUR 3,022 mil in 2006 and an all time low of EUR -1...
Bank Austria Group has been growing its revenues and asset by -12.0% and -6.92% a year on average in the last 10 years. Its loans and deposits have grown by -6.32% and -5.06% a year during that time and loans to deposits ratio reached 108% at the end of 2017. The company achieved an average return on equity of 3.45% in the last decade with net profit growing -13.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 77.7% in 2017, compared to 62.1% average in the last decade.
Equity represented 8.25% of total assets or 14.0% of loans at the end of 2017. Bank Austria Group's non-performing loans were 4.25% of total loans while provisions covered some 68.9% of NPLs at the end of 2017.
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