By Helgi Library - May 15, 2024
made a net profit of under revenues of in, up % and % respectively compared to the previous year. Historically, the bank’s...
By Helgi Library - May 15, 2024
made a net profit of under revenues of in, up % and % respectively compared to the previous year. Historically, the bank’s...
By Helgi Library - May 15, 2024
's net interest margin amounted to in, down from compared to the previous year. Historically, the bank’s net interest ...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | EUR mil | 15.2 | 15.6 | 19.7 |
| Net Fee Income | EUR mil | 24.8 | 29.5 | 31.8 |
| Other Income | EUR mil | 6.01 | 3.65 | 3.35 |
| Total Revenues | EUR mil | 46.0 | 48.8 | 54.8 |
| Staff Cost | EUR mil | 24.3 | 25.6 | 29.2 |
| Operating Profit | EUR mil | 10.1 | 7.57 | 12.5 |
| Provisions | EUR mil | 0.135 | 0.155 | 0.144 |
| Net Profit | EUR mil | 8.15 | 5.87 | 8.85 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | EUR mil | 96.8 | 84.8 | 186 |
| Customer Loans | EUR mil | 790 | 832 | 886 |
| Investments | EUR mil | 138 | 117 | 113 |
| Total Assets | EUR mil | 1,259 | 1,473 | 1,689 |
| Shareholders' Equity | EUR mil | 122 | 126 | 133 |
| Interbank Borrowing | EUR mil | 80.4 | 156 | 136 |
| Customer Deposits | EUR mil | 897 | 1,027 | 1,254 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 6.84 | 4.74 | 6.83 |
| ROA | % | 0.658 | 0.430 | 0.560 |
| Costs (As % Of Assets) | % | 3.12 | 2.86 | 2.75 |
| Costs (As % Of Income) | % | 83.9 | 79.9 | 79.3 |
| Net Interest Margin | % | 1.23 | 1.14 | 1.25 |
| Loans (As % Of Deposits) | % | 88.1 | 81.0 | 70.7 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | 7.01 | 6.00 | 12.4 |
| Operating Cost Growth | % | 3.85 | 1.04 | 11.4 |
| Operating Profit Growth | % | 32.5 | -25.1 | 65.2 |
| Net Profit Growth | % | 41.2 | -28.0 | 50.8 |
| Customer Loan Growth | % | 3.37 | 5.26 | 6.55 |
| Total Asset Growth | % | 3.32 | 16.9 | 14.7 |
| Customer Deposit Growth | % | -0.221 | 14.5 | 22.1 |
| Shareholders' Equity Growth | % | 4.78 | 3.23 | 5.97 |
Get all company financials in excel:
| summary | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||
| Net Interest Income | EUR mil | 17.4 | 14.5 | 14.4 | 15.1 | 15.2 | |||||
| Total Revenues | EUR mil | 47.0 | 42.3 | 42.6 | 43.0 | 46.0 | |||||
| Operating Profit | EUR mil | 10.1 | 5.14 | 6.15 | 7.63 | 10.1 | |||||
| Net Profit | EUR mil | 9.56 | 3.54 | 6.98 | 5.77 | 8.15 | |||||
| balance sheet | |||||||||||
| Interbank Loans | EUR mil | 127 | 105 | 96.0 | 86.0 | 96.8 | |||||
| Customer Loans | EUR mil | 735 | 716 | 747 | 764 | 790 | |||||
| Investments | EUR mil | 117 | 119 | 113 | 151 | 138 | |||||
| Total Assets | EUR mil | 1,259 | 1,165 | 1,207 | 1,219 | 1,259 | |||||
| Shareholders' Equity | EUR mil | 102 | 106 | 112 | 116 | 122 | |||||
| Interbank Borrowing | EUR mil | 29.7 | 11.0 | 4.55 | 4.45 | 80.4 | |||||
| Customer Deposits | EUR mil | 929 | 900 | 911 | 899 | 897 | |||||
| ratios | |||||||||||
| ROE | % | 9.69 | 3.40 | 6.40 | 5.05 | 6.84 | |||||
| ROA | % | 0.772 | 0.292 | 0.589 | 0.476 | 0.658 | |||||
| Costs (As % Of Assets) | % | 2.85 | 2.91 | 2.98 | 3.07 | 3.12 | |||||
| Costs (As % Of Income) | % | 75.0 | 83.5 | 83.1 | 86.4 | 83.9 | |||||
| Net Interest Margin | % | 1.40 | 1.20 | 1.21 | 1.25 | 1.23 | |||||
| Interest Income (As % Of Revenues) | % | 36.9 | 34.3 | 33.8 | 35.2 | 33.1 | |||||
| Fee Income (As % Of Revenues) | % | 47.4 | 54.6 | 52.2 | 55.5 | 53.8 | |||||
| Staff Cost (As % Of Total Cost) | % | 66.1 | 67.2 | 68.7 | 68.3 | 63.0 | |||||
| Equity (As % Of Assets) | % | 8.14 | 9.10 | 9.29 | 9.54 | 9.68 | |||||
| Loans (As % Of Deposits) | % | 79.0 | 79.6 | 82.0 | 85.0 | 88.1 | |||||
| Loans (As % Assets) | % | 58.3 | 61.5 | 61.9 | 62.7 | 62.7 | |||||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | -0.459 | -16.5 | -0.725 | 5.21 | 0.747 |
| income statement | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||
| Interest Income | EUR mil | 19.6 | 16.2 | 15.9 | 16.9 | 16.3 | |||||
| Interest Cost | EUR mil | 2.21 | 1.75 | 1.55 | 1.78 | 1.10 | |||||
| Net Interest Income | EUR mil | 17.4 | 14.5 | 14.4 | 15.1 | 15.2 | |||||
| Net Fee Income | EUR mil | 22.3 | 23.1 | 22.2 | 23.9 | 24.8 | |||||
| Fee Income | EUR mil | 23.3 | 24.2 | 23.2 | 24.6 | 25.7 | |||||
| Fee Expense | EUR mil | 1.02 | 1.13 | 0.939 | 0.743 | 0.920 | |||||
| Other Income | EUR mil | 7.39 | 4.67 | 5.97 | 4.02 | 6.01 | |||||
| Total Revenues | EUR mil | 47.0 | 42.3 | 42.6 | 43.0 | 46.0 | |||||
| Staff Cost | EUR mil | 23.3 | 23.7 | 24.3 | 25.4 | 24.3 | |||||
| Depreciation | EUR mil | 3.38 | 2.72 | 2.31 | 2.56 | 5.16 | |||||
| Other Cost | EUR mil | 8.57 | 8.85 | 8.77 | 9.21 | 9.12 | |||||
| Operating Cost | EUR mil | 35.3 | 35.3 | 35.4 | 37.2 | 38.6 | |||||
| Operating Profit | EUR mil | 10.1 | 5.14 | 6.15 | 7.63 | 10.1 | |||||
| Provisions | EUR mil | 0.142 | 0.156 | 0.158 | 0.157 | 0.135 | |||||
| Pre-Tax Profit | EUR mil | 9.91 | 4.99 | 5.99 | 7.47 | 9.97 | |||||
| Tax | EUR mil | 0.351 | 1.45 | -0.990 | 1.70 | 1.82 | |||||
| Net Profit | EUR mil | 9.56 | 3.54 | 6.98 | 5.77 | 8.15 | |||||
| Net Profit Avail. to Common | EUR mil | 9.56 | 3.54 | 6.98 | 5.77 | 8.15 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | -0.459 | -16.5 | -0.725 | 5.21 | 0.747 | ||||
| Net Fee Income Growth | % | ... | -1.74 | 3.53 | -3.76 | 7.37 | 3.80 | ||||
| Total Revenue Growth | % | ... | 3.59 | -10.2 | 0.757 | 1.03 | 7.01 | ||||
| Operating Cost Growth | % | ... | 5.83 | -0.014 | 0.315 | 5.09 | 3.85 | ||||
| Operating Profit Growth | % | ... | 2.78 | -48.9 | 19.6 | 24.0 | 32.5 | ||||
| Pre-Tax Profit Growth | % | ... | 2.76 | -49.7 | 20.2 | 24.7 | 33.5 | ||||
| Net Profit Growth | % | ... | 27.0 | -63.0 | 97.3 | -17.4 | 41.2 |
| balance sheet | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | |||||||||||
| Cash & Cash Equivalents | EUR mil | 158 | 99.4 | 146 | 103 | 125 | |||||
| Interbank Loans | EUR mil | 127 | 105 | 96.0 | 86.0 | 96.8 | |||||
| Customer Loans | EUR mil | 735 | 716 | 747 | 764 | 790 | |||||
| Investments | EUR mil | 117 | 119 | 113 | 151 | 138 | |||||
| Property and Equipment | EUR mil | 13.9 | 15.2 | 15.2 | 15.6 | 13.9 | |||||
| Intangible Assets | EUR mil | 0.188 | 0.364 | 0.347 | 0.340 | 0.436 | |||||
| Total Assets | EUR mil | 1,259 | 1,165 | 1,207 | 1,219 | 1,259 | |||||
| Shareholders' Equity | EUR mil | 102 | 106 | 112 | 116 | 122 | |||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | EUR mil | 1,157 | 1,059 | 1,095 | 1,102 | 1,137 | |||||
| Interbank Borrowing | EUR mil | 29.7 | 11.0 | 4.55 | 4.45 | 80.4 | |||||
| Customer Deposits | EUR mil | 929 | 900 | 911 | 899 | 897 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | -3.69 | -2.46 | 4.20 | 2.38 | 3.37 | ||||
| Total Asset Growth | % | ... | 3.42 | -7.53 | 3.62 | 0.994 | 3.32 | ||||
| Shareholders' Equity Growth | % | ... | 8.17 | 3.39 | 5.84 | 3.70 | 4.78 | ||||
| Customer Deposit Growth | % | ... | -1.03 | -3.20 | 1.25 | -1.33 | -0.221 |
| ratios | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | 9.69 | 3.40 | 6.40 | 5.05 | 6.84 | |||||
| ROTE | % | 9.71 | 3.41 | 6.42 | 5.07 | 6.87 | |||||
| ROA | % | 0.772 | 0.292 | 0.589 | 0.476 | 0.658 | |||||
| Return on Loans | % | 1.28 | 0.488 | 0.955 | 0.764 | 1.05 | |||||
| Costs (As % Of Assets) | % | 2.85 | 2.91 | 2.98 | 3.07 | 3.12 | |||||
| Costs (As % Of Income) | % | 75.0 | 83.5 | 83.1 | 86.4 | 83.9 | |||||
| Costs (As % Of Loans) | % | 4.71 | 4.86 | 4.84 | 4.92 | 4.97 | |||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.10 | 2.15 | 2.16 | 2.24 | 2.30 | ||||
| Net Interest Margin | % | 1.40 | 1.20 | 1.21 | 1.25 | 1.23 | |||||
| Interest Spread | % | 1.39 | 1.18 | 1.20 | 1.23 | 1.22 | |||||
| Asset Yield | % | 1.58 | 1.34 | 1.34 | 1.40 | 1.32 | |||||
| Cost Of Liabilities | % | 0.194 | 0.158 | 0.144 | 0.162 | 0.098 | |||||
| Interest Income (As % Of Revenues) | % | 36.9 | 34.3 | 33.8 | 35.2 | 33.1 | |||||
| Fee Income (As % Of Revenues) | % | 47.4 | 54.6 | 52.2 | 55.5 | 53.8 | |||||
| Other Income (As % Of Revenues) | % | 15.7 | 11.1 | 14.0 | 9.34 | 13.1 | |||||
| Staff Cost (As % Of Total Cost) | % | 66.1 | 67.2 | 68.7 | 68.3 | 63.0 | |||||
| Equity (As % Of Assets) | % | 8.14 | 9.10 | 9.29 | 9.54 | 9.68 | |||||
| Equity (As % Of Loans) | % | 14.0 | 14.8 | 15.0 | 15.2 | 15.4 | |||||
| Loans (As % Of Deposits) | % | 79.0 | 79.6 | 82.0 | 85.0 | 88.1 | |||||
| Loans (As % Assets) | % | 58.3 | 61.5 | 61.9 | 62.7 | 62.7 | |||||
| Cost of Provisions (As % Of Loans) | % | 0.019 | 0.022 | 0.022 | 0.021 | 0.017 |
Get all company financials in excel:
By Helgi Library - May 15, 2024
's net interest margin amounted to in, down from compared to the previous year. Historically, the bank’s net interest margin reached an all time high of A PHP Error was encountered Severity: Warning Message: asort() expects parameter 1 to be array, null given...
Bankhaus Carl Spängler & Co. has been growing its revenues and asset by 8.43% and 11.5% a year on average in the last 3 years. Its loans and deposits have grown by 5.05% and 11.7% a year during that time and loans to deposits ratio reached 70.7% at the end of 2022. The company achieved an average return on equity of 6.14% in the last three years with net profit growing 15.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 79.3% in 2022, compared to 81.0% average in the last three years.
Equity represented 7.89% of total assets or 15.0% of loans at the end of 2022. Bankhaus Carl Spängler & Co.'s non-performing loans were of total loans while provisions covered some of NPLs at the end of 2022.
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