By Helgi Library - June 9, 2018
Erste Bank Austria made a net profit of EUR 534 mil in 2017, up 4.56% compared to the previous year. This implies a return on eq...
By Helgi Library - June 9, 2018
Erste Bank Austria's non-performing loans reached 2.77% of total loans at the end of 2017, down from 3.15% compared to the previo...
By Helgi Library - June 9, 2018
Erste Bank Austria made a net profit of EUR 534 mil in 2017, up 4.56% compared to the previous year. This implies a return on eq...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 1,984 | 2,018 | 1,985 |
| Net Fee Income | EUR mil | 1,012 | 962 | 1,017 |
| Other Income | EUR mil | 147 | 205 | 253 |
| Total Revenues | EUR mil | 3,143 | 3,185 | 3,255 |
| Operating Profit | EUR mil | 1,192 | 1,141 | 1,150 |
| Provisions | EUR mil | 221 | 107 | 1.24 |
| Net Profit | EUR mil | 443 | 510 | 534 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Customer Loans | EUR mil | 68,852 | 71,185 | 74,137 |
| Total Assets | EUR mil | 132,396 | 138,778 | 143,757 |
| Shareholders' Equity | EUR mil | 4,940 | 4,976 | 5,067 |
| Customer Deposits | EUR mil | 71,873 | 75,811 | 80,811 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 9.33 | 10.3 | 10.6 |
| ROA | % | 0.335 | 0.377 | 0.378 |
| Costs (As % Of Assets) | % | 1.48 | 1.51 | 1.49 |
| Costs (As % Of Income) | % | 62.1 | 64.2 | 64.7 |
| Net Interest Margin | % | 1.50 | 1.49 | 1.41 |
| Loans (As % Of Deposits) | % | 95.8 | 93.9 | 91.7 |
| NPLs (As % Of Loans) | % | 3.92 | 3.15 | 2.77 |
| Provisions (As % Of NPLs) | % | 57.8 | 56.6 | 55.7 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 4.04 | 1.35 | 2.18 |
| Operating Cost Growth | % | 3.43 | 4.78 | 2.96 |
| Operating Profit Growth | % | 5.04 | -4.27 | 0.792 |
| Net Profit Growth | % | 120 | 15.2 | 4.56 |
| Customer Loan Growth | % | 3.43 | 3.39 | 4.15 |
| Total Asset Growth | % | 0.364 | 4.82 | 3.59 |
| Customer Deposit Growth | % | 2.80 | 5.48 | 6.60 |
| Shareholders' Equity Growth | % | 8.16 | 0.726 | 1.82 |
| Employees | 15,687 | 16,029 | 16,283 | |
Get all company financials in excel:
| summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | EUR mil | 1,682 | 1,558 | 1,787 | 1,901 | 1,984 | ||||||
| Total Revenues | EUR mil | 2,425 | 2,311 | 2,963 | 3,021 | 3,143 | ||||||
| Operating Profit | EUR mil | 739 | 780 | 1,064 | 1,135 | 1,192 | ||||||
| Net Profit | EUR mil | 184 | 214 | 61.8 | 202 | 443 | ||||||
| balance sheet | ||||||||||||
| Customer Loans | EUR mil | 65,803 | 65,738 | 64,659 | 66,570 | 68,852 | ||||||
| Total Assets | EUR mil | 135,555 | 134,764 | 133,170 | 131,916 | 132,396 | ||||||
| Shareholders' Equity | EUR mil | 1,389 | 1,655 | 4,663 | 4,568 | 4,940 | ||||||
| Customer Deposits | EUR mil | 62,329 | 64,174 | 69,474 | 69,917 | 71,873 | ||||||
| ratios | ||||||||||||
| ROE | % | 13.0 | 14.1 | 1.96 | 4.37 | 9.33 | ||||||
| ROA | % | 0.136 | 0.158 | 0.046 | 0.152 | 0.335 | ||||||
| Costs (As % Of Assets) | % | ... | ... | 1.25 | 1.13 | 1.42 | 1.42 | 1.48 | ||||
| Costs (As % Of Income) | % | ... | ... | 69.5 | 66.3 | 64.1 | 62.4 | 62.1 | ||||
| Net Interest Margin | % | 1.25 | 1.15 | 1.33 | 1.43 | 1.50 | ||||||
| Interest Income (As % Of Revenues) | % | 69.3 | 67.4 | 60.3 | 62.9 | 63.1 | ||||||
| Fee Income (As % Of Revenues) | % | 29.3 | 31.9 | 30.7 | 31.4 | 32.2 | ||||||
| Equity (As % Of Assets) | % | 1.03 | 1.23 | 3.50 | 3.46 | 3.73 | ||||||
| Loans (As % Of Deposits) | % | 106 | 102 | 93.1 | 95.2 | 95.8 | ||||||
| Loans (As % Assets) | % | 48.5 | 48.8 | 48.6 | 50.5 | 52.0 | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 5.56 | 5.54 | 4.78 | 4.35 | 3.92 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | 61.4 | 61.8 | 62.1 | 65.6 | 57.8 | ||||
| valuation | ||||||||||||
| Book Value Per Share Growth | % | ... | 6.04 | -7.36 | 14.7 | 6.38 | 4.37 |
| income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||
| Net Interest Income | EUR mil | 1,682 | 1,558 | 1,787 | 1,901 | 1,984 | ||||||
| Net Fee Income | EUR mil | 711 | 737 | 909 | 948 | 1,012 | ||||||
| Other Income | EUR mil | 32.4 | 15.7 | 267 | 172 | 147 | ||||||
| Total Revenues | EUR mil | 2,425 | 2,311 | 2,963 | 3,021 | 3,143 | ||||||
| Operating Cost | EUR mil | ... | ... | 1,686 | 1,531 | 1,899 | 1,886 | 1,951 | ||||
| Operating Profit | EUR mil | 739 | 780 | 1,064 | 1,135 | 1,192 | ||||||
| Provisions | EUR mil | 352 | 322 | 747 | 573 | 221 | ||||||
| Extra and Other Cost | EUR mil | 0 | < 0.001 | 65.5 | 16.4 | 27.7 | ||||||
| Pre-Tax Profit | EUR mil | 387 | 457 | 252 | 545 | 943 | ||||||
| Tax | EUR mil | 90.4 | 117 | 120 | 173 | 220 | ||||||
| Minorities | EUR mil | 113 | 126 | 70.1 | 170 | 280 | ||||||
| Net Profit | EUR mil | 184 | 214 | 61.8 | 202 | 443 | ||||||
| growth rates | ||||||||||||
| Net Interest Income Growth | % | ... | 6.04 | -7.36 | 14.7 | 6.38 | 4.37 | |||||
| Net Fee Income Growth | % | ... | -7.29 | 3.69 | 23.3 | 4.33 | 6.77 | |||||
| Total Revenue Growth | % | ... | 1.78 | -4.71 | 28.2 | 1.96 | 4.04 | |||||
| Operating Cost Growth | % | ... | ... | ... | 9.64 | -9.19 | 24.0 | -0.654 | 3.43 | |||
| Operating Profit Growth | % | ... | -52.0 | 5.52 | 36.5 | 6.63 | 5.04 | |||||
| Pre-Tax Profit Growth | % | ... | 9.97 | 18.2 | -45.0 | 117 | 73.0 | |||||
| Net Profit Growth | % | ... | 13.5 | 16.5 | -71.1 | 227 | 120 | |||||
| market share | ||||||||||||
| Market Share in Revenues | % | 12.6 | 12.1 | 15.6 | 15.1 | 15.1 | ||||||
| Market Share in Net Profit | % | 15.4 | 6.66 | -6.61 | -3.02 | 11.9 | ||||||
| Market Share in Employees | % | ... | 20.7 | 20.7 | 20.6 | 21.0 | 21.4 | |||||
| Market Share in Branches | % | ... | 23.4 | 22.6 | 22.3 | 22.7 | 23.3 |
| balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||
| Customer Loans | EUR mil | 65,803 | 65,738 | 64,659 | 66,570 | 68,852 | ||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | 34,335 | 34,129 | ... | ... | ... | ... | ... |
| Corporate Loans | EUR mil | ... | ... | ... | ... | 28,005 | 28,107 | ... | ... | ... | ... | ... |
| Total Assets | EUR mil | 135,555 | 134,764 | 133,170 | 131,916 | 132,396 | ||||||
| Shareholders' Equity | EUR mil | 1,389 | 1,655 | 4,663 | 4,568 | 4,940 | ||||||
| Liabilities | EUR mil | 134,165 | 133,109 | 128,507 | 127,348 | 127,456 | ||||||
| Customer Deposits | EUR mil | 62,329 | 64,174 | 69,474 | 69,917 | 71,873 | ||||||
| asset quality | ||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | 3,658 | 3,643 | 3,088 | 2,895 | 2,698 | ||||
| Gross Loans | EUR mil | ... | ... | 65,803 | 65,738 | 64,659 | 66,570 | 68,852 | ||||
| Total Provisions | EUR mil | ... | ... | 2,245 | 2,251 | 1,917 | 1,899 | 1,561 | ||||
| growth rates | ||||||||||||
| Customer Loan Growth | % | ... | 1.70 | -0.099 | -1.64 | 2.95 | 3.43 | |||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | -0.602 | ... | ... | ... | ... | ... |
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | 0.366 | ... | ... | ... | ... | ... |
| Total Asset Growth | % | ... | 1.20 | -0.584 | -1.18 | -0.941 | 0.364 | |||||
| Shareholders' Equity Growth | % | ... | -3.09 | 19.1 | 182 | -2.05 | 8.16 | |||||
| Customer Deposit Growth | % | ... | 2.35 | 2.96 | 8.26 | 0.637 | 2.80 | |||||
| market share | ||||||||||||
| Market Share in Customer Loans | % | 14.7 | 14.9 | 14.9 | 15.6 | 16.0 | ||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | 20.5 | 20.4 | ... | ... | ... | ... | ... |
| Market Share in Consumer Loans | % | ... | ... | ... | ... | 26.1 | 25.7 | ... | ... | ... | ... | ... |
| Market Share in Total Assets | % | 13.4 | 13.7 | 14.4 | 14.7 | 15.4 | ||||||
| Market Share in Customer Deposits | % | 17.9 | 18.1 | 19.2 | 18.7 | 18.7 |
| ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||
| ROE | % | 13.0 | 14.1 | 1.96 | 4.37 | 9.33 | ||||||
| ROA | % | 0.136 | 0.158 | 0.046 | 0.152 | 0.335 | ||||||
| Costs (As % Of Assets) | % | ... | ... | 1.25 | 1.13 | 1.42 | 1.42 | 1.48 | ||||
| Costs (As % Of Income) | % | ... | ... | 69.5 | 66.3 | 64.1 | 62.4 | 62.1 | ||||
| Net Interest Margin | % | 1.25 | 1.15 | 1.33 | 1.43 | 1.50 | ||||||
| Asset Yield | % | ... | 1.25 | 1.15 | 1.33 | 1.43 | 1.50 | |||||
| Interest Income (As % Of Revenues) | % | 69.3 | 67.4 | 60.3 | 62.9 | 63.1 | ||||||
| Fee Income (As % Of Revenues) | % | 29.3 | 31.9 | 30.7 | 31.4 | 32.2 | ||||||
| Other Income (As % Of Revenues) | % | 1.34 | 0.680 | 9.01 | 5.69 | 4.66 | ||||||
| Equity (As % Of Assets) | % | 1.03 | 1.23 | 3.50 | 3.46 | 3.73 | ||||||
| Loans (As % Of Deposits) | % | 106 | 102 | 93.1 | 95.2 | 95.8 | ||||||
| Loans (As % Assets) | % | 48.5 | 48.8 | 48.6 | 50.5 | 52.0 | ||||||
| NPLs (As % Of Loans) | % | ... | ... | 5.56 | 5.54 | 4.78 | 4.35 | 3.92 | ||||
| Provisions (As % Of NPLs) | % | ... | ... | 61.4 | 61.8 | 62.1 | 65.6 | 57.8 | ||||
| Provisions (As % Of Loans) | % | ... | ... | 3.41 | 3.42 | 2.96 | 2.85 | 2.27 | ||||
| Cost of Provisions (As % Of Loans) | % | 0.539 | 0.490 | 1.15 | 0.873 | 0.327 |
| other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||
| Branches | ... | 1,036 | 1,006 | 972 | 964 | 952 | ||||||
| Employees | ... | 16,189 | 16,060 | 15,659 | 15,550 | 15,687 | ||||||
| Risk-Weighted Assets | EUR mil | 37,073 | 35,854 | 48,717 | 51,294 | 50,063 |
Get all company financials in excel:
By Helgi Library - June 9, 2018
Erste Bank Austria's non-performing loans reached 2.77% of total loans at the end of 2017, down from 3.15% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.36% in 2009 and an all time low of 2.77% in 2017. Provision cover...
By Helgi Library - September 23, 2018
Erste Bank Austria's customer loans reached EUR 74,137 mil in 2017, up 4.15% compared to the previous year. Austrian banking sector provided customer loans of EUR 435 bil in 2017, down 0% when compared to the last year. Erste Bank Austria accounted for 17...
By Helgi Library - September 23, 2018
Erste Bank Austria's customer loans reached EUR 74,137 mil in 2017, up 4.15% compared to the previous year. Austrian banking sector provided customer loans of EUR 435 bil in 2017, down 0% when compared to the last year. Erste Bank Austria accounted for 17...
By Helgi Library - September 23, 2018
Erste Bank Austria's customer deposits reached EUR 80,811 mil in 2017, up 6.60% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Erste Bank Austria accounted...
By Helgi Library - September 23, 2018
Erste Bank Austria's customer deposits reached EUR 80,811 mil in 2017, up 6.60% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Erste Bank Austria accounted...
By Helgi Library - September 23, 2018
Erste Bank Austria generated total banking revenues of EUR 3,255 mil in 2017, up 2.18% 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 year. ...
By Helgi Library - September 23, 2018
Erste Bank Austria generated total banking revenues of EUR 3,255 mil in 2017, up 2.18% 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 year. ...
By Helgi Library - June 9, 2018
Erste Bank Austria generated total banking revenues of EUR 3,255 mil in 2017, up 2.18% 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 3,255 mil in 2017 a...
By Helgi Library - June 9, 2018
Erste Bank Austria generated total banking revenues of EUR 3,255 mil in 2017, up 2.18% 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 3,255 mil in 2017 a...
By Helgi Library - June 9, 2018
Erste Bank Austria's customer loan growth reached 4.15% in 2017, up from 3.39% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 11.3% in 2008 and an all time low of -1.64% in 2013. In the last decade, the av...
Erste Bank Austria has been growing its revenues and asset by 7.09% and 1.30% a year on average in the last 5 years. Its loans and deposits have grown by 2.43% and 4.72% a year during that time and loans to deposits ratio reached 91.7% at the end of 2017. The company achieved an average return on equity of 7.32% in the last five years with net profit growing 20.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.7% in 2017, compared to 63.5% average in the last five years.
Equity represented 3.52% of total assets or 6.83% of loans at the end of 2017. Erste Bank Austria's non-performing loans were 2.77% of total loans while provisions covered some 55.7% of NPLs at the end of 2017.
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