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Erste Group Bank

Erste Group's net profit rose 65.6% yoy to EUR 1,052 mil in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank made a net profit of EUR 1,052 mil in the third quarter of 2023, up 65.6% when compared to the same period of la...

Erste Group's net profit rose 65.6% yoy to EUR 1,052 mil in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank made a net profit of EUR 1,052 mil in the third quarter of 2023, up 65.6% when compared to the same period of la...

Erste Group's net profit rose 65.6% yoy to EUR 1,052 mil in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank made a net profit of EUR 1,052 mil under revenues of EUR 2,692 mil in the third quarter of 2023, up 65.6% and ...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income EUR mil 4,795 4,976 5,951
Net Fee Income EUR mil 1,977 2,304 2,452
Other Income EUR mil 757 463 168
Total Revenues EUR mil 7,529 7,742 8,571
Staff Cost EUR mil 2,521 2,578 2,668
Operating Profit EUR mil 3,034 3,436 3,996
Provisions EUR mil 1,295 159 300
Net Profit EUR mil 786 2,408 2,666
Balance Sheet 2020 2021 2022
Interbank Loans EUR mil 21,466 21,001 18,435
Customer Loans EUR mil 160,582 180,268 202,109
Investments EUR mil 49,303 53,211 59,833
Total Assets EUR mil 277,394 307,428 323,865
Shareholders' Equity EUR mil 22,410 23,513 25,305
Interbank Borrowing EUR mil 25,877 31,886 28,821
Customer Deposits EUR mil 191,070 210,523 223,973
Issued Debt Securities EUR mil 31,236 32,130 35,904
Ratios 2020 2021 2022
ROE % 3.67 10.5 10.9
ROA % 0.301 0.824 0.845
Costs (As % Of Assets) % 1.72 1.47 1.45
Costs (As % Of Income) % 59.7 55.6 53.4
Capital Adequacy Ratio % 19.7 19.5 18.2
Net Interest Margin % 1.83 1.70 1.89
Loans (As % Of Deposits) % 84.0 85.6 90.2
NPLs (As % Of Loans) % 6.13 5.26 5.44
Provisions (As % Of NPLs) % 39.7 38.8 34.4
Valuation 2020 2021 2022
Market Capitalisation USD mil 13,104 20,036 14,531
Number Of Shares mil 430 426 427
Share Price EUR 24.9 41.4 29.9
Price/Earnings (P/E) 13.6 9.16 5.90
Price/Book Value (P/BV) 0.618 0.979 0.661
Dividend Yield % 2.00 3.87 6.35
Earnings Per Share (EPS) EUR 1.83 4.51 5.06
Book Value Per Share EUR 40.3 42.2 45.3
Dividend Per Share EUR 0.500 1.60 1.90

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summary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                                
Net Interest Income EUR mil                                   4,420 4,397 4,611 4,775 4,795    
Total Revenues EUR mil                                   7,255 7,378 7,377 7,710 7,529    
Operating Profit EUR mil                                   2,837 2,864 3,095 3,146 3,034    
Net Profit EUR mil                                   1,473 1,460 1,946 1,772 786    
balance sheet                                                
Interbank Loans EUR mil                                   3,469 9,126 19,103 23,055 21,466    
Customer Loans EUR mil                                   130,654 139,532 144,240 154,827 160,582    
Investments EUR mil                                   44,134 40,531 45,815 46,790 49,303    
Total Assets EUR mil                                   208,227 220,659 236,792 245,693 277,394    
                                                   
Shareholders' Equity EUR mil                                   16,602 18,288 18,869 20,477 22,410    
Interbank Borrowing EUR mil                                   15,365 17,905 20,135 15,638 25,877    
Customer Deposits EUR mil                                   137,857 149,903 161,155 171,826 191,070    
Issued Debt Securities EUR mil                                   28,028 26,194 29,738 30,886 31,236    
ratios                                                
ROE % ...                                 9.38 8.37 10.5 9.01 3.67    
ROA % ...                                 0.722 0.681 0.851 0.735 0.301    
Costs (As % Of Assets) % ...                                 2.17 2.11 1.87 1.89 1.72    
Costs (As % Of Income) %                                   60.9 61.2 58.0 59.2 59.7    
Capital Adequacy Ratio %                                   18.5 18.5 18.2 18.6 19.7    
Net Interest Margin % ...                                 2.17 2.05 2.02 1.98 1.83    
Interest Income (As % Of Revenues) %                                   60.9 59.6 62.5 61.9 63.7    
Fee Income (As % Of Revenues) %                             ... ... ... 24.6 25.1 25.9 25.9 26.3    
Staff Cost (As % Of Total Cost) %                                   53.0 52.9 57.8 55.6 56.1    
Equity (As % Of Assets) %                                   7.97 8.29 7.97 8.33 8.08    
Loans (As % Of Deposits) %                                   94.8 93.1 89.5 90.1 84.0    
Loans (As % Assets) %                                   62.7 63.2 60.9 63.0 57.9    
NPLs (As % Of Loans) % ...                                 6.47 5.56 7.45 6.63 6.13    
Provisions (As % Of NPLs) % ...                                 52.7 49.8 32.4 30.3 39.7    
valuation                                                
Market Capitalisation USD mil                                   12,018 17,762 13,594 15,380 13,104    
Number Of Shares mil                                   427 427 427 427 430    
Share Price EUR                                   27.8 36.1 29.1 33.6 24.9    
Earnings Per Share (EPS) EUR                                   3.42 3.28 4.38 3.94 1.83    
Book Value Per Share EUR                                   29.2 32.5 33.7 36.6 40.3    
Dividend Per Share EUR                                   1.00 1.20 1.40 0.750 0.500    
Price/Earnings (P/E)                                   8.14 11.0 6.64 8.52 13.6    
Price/Book Value (P/BV)                                   0.953 1.11 0.862 0.916 0.618    
Dividend Yield %                                   3.59 3.32 4.82 2.23 2.00    
Earnings Per Share Growth % ...                                 24.3 -4.11 33.6 -10.0 -53.5    
Book Value Per Share Growth % ...                                 13.2 11.3 3.62 8.70 10.2    
income statement Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                                
Interest Income EUR mil                                   5,955 5,668 6,976 7,227 6,590    
Interest Cost EUR mil                                   1,536 1,271 2,365 2,452 1,795    
Net Interest Income EUR mil                                   4,420 4,397 4,611 4,775 4,795    
Net Fee Income EUR mil                             ... ... ... 1,783 1,852 1,908 2,000 1,977    
Fee Income EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         2,226 2,329 2,377 2,374 2,355    
Fee Expense EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ... 443 478 469 373 378    
Other Income EUR mil                             ... ... ... 1,052 1,130 857 935 757    
Total Revenues EUR mil                                   7,255 7,378 7,377 7,710 7,529    
Staff Cost EUR mil                                   2,339 2,389 2,474 2,537 2,521    
Depreciation EUR mil                                   282 284 279 344 ...    
Other Cost EUR mil                                   1,797 1,843 1,529 1,683 ...    
Operating Cost EUR mil                                   4,418 4,515 4,282 4,564 4,495    
Operating Profit EUR mil                                   2,837 2,864 3,095 3,146 3,034    
Provisions EUR mil                                   196 132 -59.3 113 1,295    
Extra and Other Cost EUR mil                                   434 462 455 356 367    
Pre-Tax Profit EUR mil                                   2,208 2,270 2,698 2,678 1,372    
Tax EUR mil                                   463 458 383 464 344    
Minorities EUR mil                                   272 352 369 441 242    
Net Profit EUR mil                                   1,473 1,460 1,946 1,772 786    
Net Profit Avail. to Common EUR mil                                   1,457 1,399 1,869 1,680 786    
Dividends EUR mil                                   409 491 572 306 215    
growth rates                                                
Net Interest Income Growth % ...                                 -1.67 -0.516 4.87 3.55 0.420    
Net Fee Income Growth % ...                           ... ... ... ... 3.85 3.07 4.80 -1.17    
Total Revenue Growth % ...                                 5.69 1.70 -0.020 4.52 -2.35    
Operating Cost Growth % ...                                 4.18 2.19 -5.15 6.57 -1.51    
Operating Profit Growth % ...                                 8.14 0.941 8.07 1.67 -3.56    
Pre-Tax Profit Growth % ...                                 15.5 2.81 18.9 -0.772 -48.8    
Net Profit Growth % ...                                 25.6 -0.866 33.3 -8.93 -55.6    
balance sheet Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                                
Cash & Cash Equivalents EUR mil                                   18,353 21,796 17,549 10,693 35,839    
Interbank Loans EUR mil                                   3,469 9,126 19,103 23,055 21,466    
Customer Loans EUR mil                                   130,654 139,532 144,240 154,827 160,582    
Retail Loans EUR mil                             ... ...   65,909 70,169 74,623 79,146 ...    
Corporate Loans EUR mil                             ... ...   61,916 66,292 65,562 71,386 ...    
Investments EUR mil                                   44,134 40,531 45,815 46,790 49,303    
Property and Equipment EUR mil                                   2,477 2,387 2,293 2,629 2,552    
Intangible Assets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         1,390 1,524 1,507 1,368 1,359    
Goodwill EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         710 712 712 547 ... ... ...
Total Assets EUR mil                                   208,227 220,659 236,792 245,693 277,394    
                                                   
Shareholders' Equity EUR mil                                   16,602 18,288 18,869 20,477 22,410    
Of Which Minority Interest EUR mil                                   4,142 4,416 4,494 4,857 5,073    
Liabilities EUR mil                                   191,625 202,371 217,923 225,216 254,983    
Interbank Borrowing EUR mil                                   15,365 17,905 20,135 15,638 25,877    
Customer Deposits EUR mil                                   137,857 149,903 161,155 171,826 191,070    
Retail Deposits EUR mil ... ...         ... ... ... ... ... ... ... ...       97,829 78,138 83,853 88,992 97,710    
Corporate Deposits EUR mil ... ...         ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Sight Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       63,834 74,785 82,508 105,435 ... ... ...
Term Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         73,949 75,070 78,435 66,126 ... ... ...
Issued Debt Securities EUR mil                                   28,028 26,194 29,738 30,886 31,236    
Other Liabilities EUR mil                                   10,376 8,369 6,895 6,866 6,800    
asset quality                                                
Non-Performing Loans EUR mil ...                                 8,750 7,983 11,011 10,480 10,085    
Gross Loans EUR mil ...                                 135,267 143,509 147,803 158,001 164,584    
Risk-Weighted Assets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...         101,808 110,029 114,599 118,105 120,200    
Total Provisions EUR mil ...                                 4,613 3,977 3,563 3,174 4,002    
growth rates                                                
Customer Loan Growth % ...                                 3.78 6.79 3.37 7.34 3.72    
Retail Loan Growth % ...                           ... ... ... 4.37 6.46 6.35 6.06 ... ...  
Corporate Loan Growth % ...                           ... ... ... 1.27 7.07 -1.10 8.88 ... ...  
Total Asset Growth % ...                                 4.25 5.97 7.31 3.76 12.9    
Shareholders' Equity Growth % ...                                 12.1 10.2 3.17 8.53 9.44    
Customer Deposit Growth % ...                                 8.09 8.74 7.51 6.62 11.2    
Retail Deposit Growth % ... ... ...       ... ... ... ... ... ... ... ... ...     6.39 -20.1 7.31 6.13 9.80    
Corporate Deposit Growth % ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
ratios Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
ROE % ...                                 9.38 8.37 10.5 9.01 3.67    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       10.3 9.13 11.4 9.72 3.92    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       9.81 9.19 11.6 10.2 4.40    
ROA % ...                                 0.722 0.681 0.851 0.735 0.301    
Return on Loans %                                   1.15 1.08 1.37 1.19 0.499    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.84 2.70 2.76 2.70 2.55    
Costs (As % Of Assets) % ...                                 2.17 2.11 1.87 1.89 1.72    
Costs (As % Of Income) %                                   60.9 61.2 58.0 59.2 59.7    
Costs (As % Of Loans) % ...                                 3.44 3.34 3.02 3.05 2.85    
Costs (As % Of Loans & Deposits) % ...                                 1.69 1.62 1.44 1.44 1.33    
Capital Adequacy Ratio %                                   18.5 18.5 18.2 18.6 19.7    
Tier 1 Ratio %                                   13.4 14.0 14.4 15.0 16.5    
Net Interest Margin % ...                                 2.17 2.05 2.02 1.98 1.83    
Interest Spread % ...                                 2.10 2.00 1.92 1.89 1.77    
Asset Yield % ...                                 2.92 2.64 3.05 3.00 2.52    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       7.25 6.97 6.57 6.63 6.32    
Cost Of Liabilities % ...                                 0.816 0.645 1.13 1.11 0.748    
Payout Ratio %                                   27.8 33.6 29.4 17.3 27.3    
Interest Income (As % Of Revenues) %                                   60.9 59.6 62.5 61.9 63.7    
Fee Income (As % Of Revenues) %                             ... ... ... 24.6 25.1 25.9 25.9 26.3    
Other Income (As % Of Revenues) %                             ... ... ... 14.5 15.3 11.6 12.1 10.1    
Staff Cost (As % Of Total Cost) %                                   53.0 52.9 57.8 55.6 56.1    
Equity (As % Of Assets) %                                   7.97 8.29 7.97 8.33 8.08    
Equity (As % Of Loans) %                                   12.7 13.1 13.1 13.2 14.0    
Loans (As % Of Deposits) %                                   94.8 93.1 89.5 90.1 84.0    
Loans (As % Assets) %                                   62.7 63.2 60.9 63.0 57.9    
NPLs (As % Of Loans) % ...                                 6.47 5.56 7.45 6.63 6.13    
Provisions (As % Of NPLs) % ...                                 52.7 49.8 32.4 30.3 39.7    
Provisions (As % Of Loans) % ...                                 3.53 2.85 2.47 2.05 2.49    
Cost of Provisions (As % Of Loans) % ...                                 0.153 0.098 -0.042 0.075 0.821    
other data Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Branches ... ... ... ... ... ... ... ... ... ... ... ... ...         2,648 2,565 2,507 2,373 2,193    
Employees ... ... ... ... ... ... ... ... ...                 47,034 47,702 47,397 47,284 45,690    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ... ... ... ...         17.8 18.6 18.9 19.9 20.8    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ...                 4,444 4,685 5,095 5,067 5,210    
Cost Per Employee (Local Currency) EUR per month ... ... ... ... ... ... ... ... ...                 4,145 4,173 4,350 4,471 4,598    
Employee Turnover % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 14.6 12.2 12.1 ... ... ...
Women (As % of Workforce) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 65.4 62.8 62.4 62.1 ... ... ...
Women (As % of Management) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       29.0 31.0 30.0 27.4 ... ... ...
Revenues From Abroad EUR mil ... ... ...                             3,405 3,450 3,682 3,849 3,663    
Profit From Abroad EUR mil ... ... ...                             1,511 1,346 1,600 1,570 887    
Revenues From Abroad (As % Of Total) % ... ... ...                             46.9 46.8 49.9 49.9 48.7    
Profit From Abroad (As % Of Total) % ... ... ...                             68.4 59.3 59.3 58.6 64.7    
customer breakdown Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Customers mil ...                                 15.9 16.1 16.1 16.1 16.1    
                                                   
Market Value per Customer (Local Currency) EUR ...                                 716 920 737 852 726    
Revenue per Customer (Local Currency) EUR ...                                 456 458 458 479 468    
Net Profit per Customer (Local Currency) EUR ...                                 92.6 90.7 121 110 48.8    
Loan per Customer (Local Currency) EUR ...                                 8,217 8,667 8,959 9,617 9,974    
Deposit per Customer (Local Currency) EUR ...                                 8,670 9,311 10,010 10,672 11,868    
Market Value per Customer USD ...                                 756 1,103 844 955 814    
Revenue per Customer USD ...                                 489 515 537 543 530    
Net Profit per Customer USD ...                                 99.3 102 142 125 55.3    
Loan per Customer USD ...                                 8,677 10,389 10,258 10,787 11,188    
Deposit per Customer USD ...                                 9,156 11,161 11,461 11,971 13,312    
austria Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Austria EUR mil ... ... ... ... ... ...                       2,018 1,985 2,050 2,101 2,159    
Fee Income in Austria EUR mil ... ... ... ... ... ...                       962 1,017 1,071 1,130 1,176    
Other Income in Austria EUR mil ... ... ... ... ... ...                       205 253 113 217 162    
Total Revenues in Austria EUR mil ... ... ... ... ... ...                       3,185 3,255 3,234 3,448 3,496    
Operating Cost in Austria EUR mil ... ... ... ... ... ...                       2,044 2,105 2,122 2,215 2,185    
Operating Profit in Austria EUR mil ... ... ... ... ... ...                       1,141 1,150 1,112 1,232 1,312    
Provisions in Austria EUR mil ... ... ... ... ... ...                       107 14.4 -106 12.2 605    
Other Cost in Austria EUR mil ... ... ... ... ... ...                       49.8 48.9 2.36 -54.4 27.9    
Pre-Tax Profit in Austria EUR mil ... ... ... ... ... ...                       984 1,087 1,216 1,275 678    
Net Profit in Austria EUR mil ... ... ... ... ... ...                       698 818 952 994 583    
Net Profit Avail. to Common in Austria EUR mil ... ... ... ... ... ...                       510 534 645 606 367    
                                                   
Total Assets in Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       138,778 143,757 156,325 158,921 182,528    
Loans in Austria EUR mil ... ... ... ... ... ... ... ...                   71,185 86,900 91,413 97,639 84,886    
Deposits in Austria EUR mil ... ... ... ... ... ... ... ...                   75,811 80,811 88,970 94,532 104,553    
Equity in Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       24,573 25,494 29,553 32,737 36,456    
Risk-Weighted Assets in Austria EUR mil ... ... ... ... ... ...                       46,970 47,237 50,053 51,812 52,187    
Allocated Capital in Austria EUR mil ... ... ... ... ... ...                       4,976 5,067 6,194 7,331 6,692    
                                                   
Net Interest Margin in Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1.49 1.41 1.37 1.33 1.26    
Costs (As % Of Income) in Austria % ... ... ... ... ... ...                       64.2 64.7 65.6 64.3 62.5    
Loans (As % Of Deposits) in Austria % ... ... ... ... ... ... ... ...                   93.9 108 103 103 81.2    
ROE in Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.87 3.27 3.46 3.19 1.69    
Return on Allocated Equity in Austria % ... ... ... ... ... ...                       10.3 10.6 11.5 8.97 5.23    
Provisions (As % Of NPLs) in Austria % ... ... ... ... ... ... ... ... ...                 56.6 56.2 60.8 63.0 66.2    
NPLs (As % Of Loans) in Austria % ... ... ... ... ... ... ... ... ...                 3.15 3.58 2.88 2.24 2.02    
Cost of Provisions (As % Of Loans) in Austria % ... ... ... ... ... ... ... ...                   0.153 0.018 -0.119 0.013 0.663    
                                                   
Revenues in Austria (as % of Total) % ... ... ... ... ... ...                       43.9 44.1 43.8 44.7 46.4    
Operating Profit in Austria (as % of Total) % ... ... ... ... ... ...                       40.2 40.2 35.9 39.2 43.2    
Net Profit in Austria (as % of Total) % ... ... ... ... ... ...                       34.7 36.6 33.1 34.2 46.7    
Assets in Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       66.6 65.1 66.0 64.7 65.8    
RWA in Austria (as % of Total) % ... ... ... ... ... ... ... ...                   56.6 54.4 53.7 53.5 53.0    
Loans in Austria (as % of Total) % ... ... ... ... ... ... ... ...                   54.5 62.3 63.4 63.1 52.9    
Deposits in Austria (as % of Total) % ... ... ... ... ... ... ... ...                   55.0 53.9 55.2 55.0 54.7    
erste austria & subsidiaries Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Erste Austria EUR mil ... ... ... ... ... ...                       660 631 644 642 638    
Fee Income in Erste Austria EUR mil ... ... ... ... ... ...                       335 354 386 399 407    
Other Income in Erste Austria EUR mil ... ... ... ... ... ...                       62.4 68.7 57.4 77.0 81.3    
Total Revenues in Erste Austria EUR mil ... ... ... ... ... ...                       1,057 1,054 1,088 1,118 1,126    
Operating Cost in Erste Austria EUR mil ... ... ... ... ... ...                       667 680 679 717 711    
Operating Profit in Erste Austria EUR mil ... ... ... ... ... ...                       391 374 409 401 415    
Provisions in Erste Austria EUR mil ... ... ... ... ... ...                       29.3 -27.8 -14.5 7.12 136    
Other Cost in Erste Austria EUR mil ... ... ... ... ... ...                       18.5 29.2 39.8 17.8 9.53    
Pre-Tax Profit in Erste Austria EUR mil ... ... ... ... ... ...                       343 373 384 376 269    
Net Profit in Erste Austria EUR mil ... ... ... ... ... ...                       248 271 296 287 258    
Net Profit Avail. to Common in Erste Austria EUR mil ... ... ... ... ... ...                       228 253 278 263 222    
                                                   
Total Assets in Erste Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       41,484 43,141 44,948 46,504 52,572    
Loans in Erste Austria EUR mil ... ... ... ... ... ... ... ...                   39,025 31,787 33,256 34,645 35,634    
Deposits in Erste Austria EUR mil ... ... ... ... ... ... ... ...                   31,821 33,732 35,450 37,280 42,088    
Equity in Erste Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,747 1,881 1,936 2,184 2,209    
Risk-Weighted Assets in Erste Austria EUR mil ... ... ... ... ... ...                       11,523 11,621 12,162 12,536 12,578    
Allocated Capital in Erste Austria EUR mil ... ... ... ... ... ...                       1,326 1,356 1,555 1,795 1,569    
                                                   
Net Interest Margin in Erste Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1.61 1.49 1.46 1.40 1.29    
Costs (As % Of Income) in Erste Austria % ... ... ... ... ... ...                       63.1 64.5 62.4 64.1 63.2    
Loans (As % Of Deposits) in Erste Austria % ... ... ... ... ... ... ... ...                   123 94.2 93.8 92.9 84.7    
ROE in Erste Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       14.2 14.9 15.5 14.0 11.7    
Return on Allocated Equity in Erste Austria % ... ... ... ... ... ...                       17.7 18.9 19.1 15.7 13.2    
Provisions (As % Of NPLs) in Erste Austria % ... ... ... ... ... ... ... ... ...                 61.0 57.1 61.4 58.0 63.4    
NPLs (As % Of Loans) in Erste Austria % ... ... ... ... ... ... ... ... ...                 2.12 1.99 1.81 1.44 1.62    
Cost of Provisions (As % Of Loans) in Erste Austria % ... ... ... ... ... ... ... ...                   0.076 -0.079 -0.045 0.021 0.386    
                                                   
Revenues in Erste Austria (as % of Total) % ... ... ... ... ... ...                       14.6 14.3 14.7 14.5 15.0    
Operating Profit in Erste Austria (as % of Total) % ... ... ... ... ... ...                       13.8 13.1 13.2 12.7 13.7    
Net Profit in Erste Austria (as % of Total) % ... ... ... ... ... ...                       15.5 17.3 14.3 14.9 28.2    
Assets in Erste Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       19.9 19.6 19.0 18.9 19.0    
RWA in Erste Austria (as % of Total) % ... ... ... ... ... ... ... ...                   13.9 13.4 13.0 12.9 12.8    
Loans in Erste Austria (as % of Total) % ... ... ... ... ... ... ... ...                   29.9 22.8 23.1 22.4 22.2    
Deposits in Erste Austria (as % of Total) % ... ... ... ... ... ... ... ...                   23.1 22.5 22.0 21.7 22.0    
savings banks Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Savings Banks EUR mil ... ... ... ... ... ...                       956 982 1,016 1,052 1,069    
Fee Income in Savings Banks EUR mil ... ... ... ... ... ...                       430 446 460 491 520    
Other Income in Savings Banks EUR mil ... ... ... ... ... ...                       60.5 64.7 21.2 97.5 59.6    
Total Revenues in Savings Banks EUR mil ... ... ... ... ... ...                       1,446 1,493 1,497 1,640 1,649    
Operating Cost in Savings Banks EUR mil ... ... ... ... ... ...                       1,022 1,051 1,073 1,120 1,106    
Operating Profit in Savings Banks EUR mil ... ... ... ... ... ...                       424 442 424 520 542    
Provisions in Savings Banks EUR mil ... ... ... ... ... ...                       54.2 -5.24 -20.2 -1.81 267    
Other Cost in Savings Banks EUR mil ... ... ... ... ... ...                       56.8 30.6 4.94 -25.2 3.97    
Pre-Tax Profit in Savings Banks EUR mil ... ... ... ... ... ...                       313 416 439 547 271    
Net Profit in Savings Banks EUR mil ... ... ... ... ... ...                       197 315 333 419 217    
Net Profit Avail. to Common in Savings Banks EUR mil ... ... ... ... ... ...                       34.1 51.9 53.6 64.8 41.6    
                                                   
Total Assets in Savings Banks EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       58,357 60,108 63,364 67,360 73,219    
Loans in Savings Banks EUR mil ... ... ... ... ... ... ... ...                   40,611 42,122 44,647 47,823 50,393    
Deposits in Savings Banks EUR mil ... ... ... ... ... ... ... ...                   39,922 42,561 46,350 50,787 56,636    
Equity in Savings Banks EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,319 4,621 4,716 5,084 5,236    
Risk-Weighted Assets in Savings Banks EUR mil ... ... ... ... ... ...                       20,930 21,625 23,334 24,670 24,185    
Allocated Capital in Savings Banks EUR mil ... ... ... ... ... ...                       2,193 2,231 2,825 3,306 2,988    
                                                   
Net Interest Margin in Savings Banks % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1.64 1.66 1.65 1.61 1.52    
Costs (As % Of Income) in Savings Banks % ... ... ... ... ... ...                       70.7 70.4 71.7 68.3 67.1    
Loans (As % Of Deposits) in Savings Banks % ... ... ... ... ... ... ... ...                   102 99.0 96.3 94.2 89.0    
ROE in Savings Banks % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4.67 7.05 7.14 8.56 4.20    
Return on Allocated Equity in Savings Banks % ... ... ... ... ... ...                       1.59 2.35 2.12 2.11 1.32    
Provisions (As % Of NPLs) in Savings Banks % ... ... ... ... ... ... ... ... ...                 58.1 58.3 61.4 63.9 70.2    
NPLs (As % Of Loans) in Savings Banks % ... ... ... ... ... ... ... ... ...                 4.88 4.17 3.55 2.82 2.77    
Cost of Provisions (As % Of Loans) in Savings Banks % ... ... ... ... ... ... ... ...                   0.136 -0.013 -0.047 -0.004 0.544    
                                                   
Revenues in Savings Banks (as % of Total) % ... ... ... ... ... ...                       19.9 20.2 20.3 21.3 21.9    
Operating Profit in Savings Banks (as % of Total) % ... ... ... ... ... ...                       15.0 15.4 13.7 16.5 17.9    
Net Profit in Savings Banks (as % of Total) % ... ... ... ... ... ...                       2.31 3.56 2.75 3.65 5.30    
Assets in Savings Banks (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       28.0 27.2 26.8 27.4 26.4    
RWA in Savings Banks (as % of Total) % ... ... ... ... ... ... ... ...                   25.2 24.9 25.0 25.5 24.6    
Loans in Savings Banks (as % of Total) % ... ... ... ... ... ... ... ...                   31.1 30.2 31.0 30.9 31.4    
Deposits in Savings Banks (as % of Total) % ... ... ... ... ... ... ... ...                   29.0 28.4 28.8 29.6 29.6    
other austria Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     402 372 389 407 451    
Fee Income in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     198 217 225 241 250    
Other Income in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     82.3 119 34.8 42.0 20.8    
Total Revenues in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     682 708 648 690 722    
Operating Cost in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     356 374 369 378 367    
Operating Profit in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     326 334 279 312 355    
Provisions in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     23.5 47.5 -71.2 6.88 202    
Other Cost in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -25.6 -11.0 -42.4 -47.0 14.4    
Pre-Tax Profit in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     328 298 393 352 138    
Net Profit in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     253 232 322 287 108    
Net Profit Avail. to Common in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     248 229 313 278 103    
                                                   
Total Assets in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       38,936 40,509 48,012 45,057 56,737    
Loans in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       12,529 12,991 13,511 15,172 15,349    
Deposits in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,068 4,518 7,170 6,465 5,829    
Equity in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,068 18,992 22,901 25,469 29,011    
Risk-Weighted Assets in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       14,517 13,992 14,557 14,607 15,424    
Allocated Capital in Other Austria EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,457 1,480 1,813 2,230 2,135    
Net Interest Margin in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1.10 0.937 0.879 0.874 0.886    
Costs (As % Of Income) in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     52.2 52.8 57.0 54.8 50.9    
Loans (As % Of Deposits) in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       308 288 188 235 263    
ROE in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     6.51 2.02 1.54 1.19 0.398    
Return on Allocated Equity in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     16.3 15.6 19.0 13.8 4.73    
Provisions (As % Of NPLs) in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       63.9 50.2 57.9 66.8 78.1    
NPLs (As % Of Loans) in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       5.48 5.56 3.32 2.25 2.79    
Cost of Provisions (As % Of Loans) in Other Austria % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.186 0.372 -0.538 0.048 1.33    
                                                   
Revenues in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     9.40 9.60 8.79 8.95 9.59    
Operating Profit in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     11.5 11.7 9.01 9.90 11.7    
Net Profit in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     16.8 15.7 16.1 15.7 13.1    
Assets in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       18.7 18.4 20.3 18.3 20.5    
RWA in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       17.5 16.1 15.6 15.1 15.7    
Loans in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       9.59 9.31 9.37 9.80 9.56    
Deposits in Other Austria (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.95 3.01 4.45 3.76 3.05    
cee Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in CEE EUR mil ... ... ... ... ... ...                       2,227 2,262 2,419 2,550 2,475    
Fee Income in CEE EUR mil ... ... ... ... ... ...                       865 865 896 956 895    
Other Income in CEE EUR mil ... ... ... ... ... ...                       313 322 341 344 293    
Total Revenues in CEE EUR mil ... ... ... ... ... ...                       3,405 3,450 3,656 3,849 3,663    
Operating Cost in CEE EUR mil ... ... ... ... ... ...                       1,726 1,784 1,823 1,900 1,843    
Operating Profit in CEE EUR mil ... ... ... ... ... ...                       1,679 1,666 1,833 1,949 1,820    
Provisions in CEE EUR mil ... ... ... ... ... ...                       17.2 204 111 38.8 720    
Other Cost in CEE EUR mil ... ... ... ... ... ...                       151 116 122 340 213    
Pre-Tax Profit in CEE EUR mil ... ... ... ... ... ...                       1,511 1,346 1,600 1,570 887    
Net Profit in CEE EUR mil ... ... ... ... ... ...                       1,246 1,079 1,318 1,262 699    
Net Profit Avail. to Common in CEE EUR mil ... ... ... ... ... ...                       1,185 1,039 1,270 1,217 677    
                                                   
Total Assets in CEE EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       85,624 101,036 107,377 112,600 119,760    
Loans in CEE EUR mil ... ... ... ... ... ... ... ...                   83,329 56,396 61,172 65,709 68,404    
Deposits in CEE EUR mil ... ... ... ... ... ... ... ...                   62,175 70,109 75,623 80,573 87,067    
Equity in CEE EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       9,649 10,220 10,587 11,589 12,203    
Risk-Weighted Assets in CEE EUR mil ... ... ... ... ... ...                       34,061 37,909 40,914 43,021 43,346    
Allocated Capital in CEE EUR mil ... ... ... ... ... ...                       4,586 5,180 6,585 7,117 7,353    
                                                   
Net Interest Margin in CEE % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.70 2.42 2.32 2.32 2.13    
Costs (As % Of Income) in CEE % ... ... ... ... ... ...                       50.7 51.7 49.9 49.4 50.3    
Loans (As % Of Deposits) in CEE % ... ... ... ... ... ... ... ...                   134 80.4 80.9 81.6 78.6    
ROE in CEE % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       13.6 10.9 12.7 11.4 5.88    
Return on Allocated Equity in CEE % ... ... ... ... ... ...                       25.7 21.3 21.6 17.8 9.36    
Provisions (As % Of NPLs) in CEE % ... ... ... ... ... ... ... ... ...                 79.1 83.9 88.6 92.7 110    
NPLs (As % Of Loans) in CEE % ... ... ... ... ... ... ... ... ...                 6.27 4.68 3.62 2.95 3.09    
Cost of Provisions (As % Of Loans) in CEE % ... ... ... ... ... ... ... ...                   0.021 0.292 0.189 0.061 1.07    
                                                   
Revenues in CEE (as % of Total) % ... ... ... ... ... ...                       46.9 46.8 49.6 49.9 48.7    
Operating Profit in CEE (as % of Total) % ... ... ... ... ... ...                       59.2 58.2 59.2 61.9 60.0    
Net Profit in CEE (as % of Total) % ... ... ... ... ... ...                       80.4 71.2 65.3 68.7 86.1    
Assets in CEE (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       41.1 45.8 45.3 45.8 43.2    
RWA in CEE (as % of Total) % ... ... ... ... ... ... ... ...                   41.0 43.7 43.9 44.4 44.0    
Loans in CEE (as % of Total) % ... ... ... ... ... ... ... ...                   63.8 40.4 42.4 42.4 42.6    
Deposits in CEE (as % of Total) % ... ... ... ... ... ... ... ...                   45.1 46.8 46.9 46.9 45.6    
czechia Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Czechia EUR mil ... ... ... ... ... ...                       914 942 1,062 1,141 1,049    
Fee Income in Czechia EUR mil ... ... ... ... ... ...                       344 334 333 335 312    
Other Income in Czechia EUR mil ... ... ... ... ... ...                       126 117 106 125 106    
Total Revenues in Czechia EUR mil ... ... ... ... ... ...                       1,385 1,393 1,501 1,601 1,467    
Operating Cost in Czechia EUR mil ... ... ... ... ... ...                       671 693 714 754 722    
Operating Profit in Czechia EUR mil ... ... ... ... ... ...                       713 701 787 847 744    
Provisions in Czechia EUR mil ... ... ... ... ... ...                       70.5 31.5 36.8 -4.81 301    
Other Cost in Czechia EUR mil ... ... ... ... ... ...                       -27.7 4.89 23.9 26.2 24.6    
Pre-Tax Profit in Czechia EUR mil ... ... ... ... ... ...                       671 664 726 825 419    
Net Profit in Czechia EUR mil ... ... ... ... ... ...                       548 538 582 667 335    
Net Profit Avail. to Common in Czechia EUR mil ... ... ... ... ... ...                       542 533 583 666 335    
                                                   
Total Assets in Czechia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       39,470 52,055 55,455 57,412 58,600    
Loans in Czechia EUR mil ... ... ... ... ... ... ... ...                   22,367 25,592 26,936 28,606 28,819    
Deposits in Czechia EUR mil ... ... ... ... ... ... ... ...                   29,195 34,589 37,103 39,358 41,935    
Equity in Czechia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,505 4,738 4,771 5,408 5,691    
Risk-Weighted Assets in Czechia EUR mil ... ... ... ... ... ...                       15,285 17,615 18,373 17,815 17,666    
Allocated Capital in Czechia EUR mil ... ... ... ... ... ...                       1,825 2,130 2,410 2,554 2,599    
Net Interest Margin in Czechia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.44 2.06 1.98 2.02 1.81    
Costs (As % Of Income) in Czechia % ... ... ... ... ... ...                       48.5 49.7 47.6 47.1 49.3    
Loans (As % Of Deposits) in Czechia % ... ... ... ... ... ... ... ...                   76.6 74.0 72.6 72.7 68.7    
ROE in Czechia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       12.4 11.7 12.2 13.1 6.03    
Return on Allocated Equity in Czechia % ... ... ... ... ... ...                       30.2 26.9 25.7 26.9 13.0    
Provisions (As % Of NPLs) in Czechia % ... ... ... ... ... ... ... ... ...                 73.9 76.2 86.7 84.8 115    
NPLs (As % Of Loans) in Czechia % ... ... ... ... ... ... ... ... ...                 3.82 2.86 2.33 2.22 2.20    
Cost of Provisions (As % Of Loans) in Czechia % ... ... ... ... ... ... ... ...                   0.324 0.131 0.140 -0.017 1.05    
                                                   
Revenues in Czechia (as % of Total) % ... ... ... ... ... ...                       19.1 18.9 20.4 20.8 19.5    
Operating Profit in Czechia (as % of Total) % ... ... ... ... ... ...                       25.1 24.5 25.4 26.9 24.5    
Net Profit in Czechia (as % of Total) % ... ... ... ... ... ...                       36.8 36.5 29.9 37.6 42.6    
Assets in Czechia (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       19.0 23.6 23.4 23.4 21.1    
RWA in Czechia (as % of Total) % ... ... ... ... ... ... ... ...                   18.4 20.3 19.7 18.4 17.9    
Loans in Czechia (as % of Total) % ... ... ... ... ... ... ... ...                   17.1 18.3 18.7 18.5 17.9    
Deposits in Czechia (as % of Total) % ... ... ... ... ... ... ... ...                   21.2 23.1 23.0 22.9 21.9    
romania Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Romania EUR mil ... ... ... ... ... ... ... ...                   375 366 394 428 436    
Fee Income in Romania EUR mil ... ... ... ... ... ... ... ...                   158 153 152 164 147    
Other Income in Romania EUR mil ... ... ... ... ... ... ... ...                   83.0 92.6 114 95.5 96.2    
Total Revenues in Romania EUR mil ... ... ... ... ... ... ... ...                   616 611 661 688 679    
Operating Cost in Romania EUR mil ... ... ... ... ... ... ... ...                   350 338 355 359 345    
Operating Profit in Romania EUR mil ... ... ... ... ... ... ... ...                   266 273 306 329 334    
Provisions in Romania EUR mil ... ... ... ... ... ... ... ...                   -62.4 45.4 49.0 9.35 115    
Other Cost in Romania EUR mil ... ... ... ... ... ... ... ...                   90.7 50.6 -4.55 178 52.8    
Pre-Tax Profit in Romania EUR mil ... ... ... ... ... ... ... ...                   238 178 262 141 166    
Net Profit in Romania EUR mil ... ... ... ... ... ... ... ...                   213 129 220 85.1 123    
Net Profit Avail. to Common in Romania EUR mil ... ... ... ... ... ... ... ...                   199 121 220 85.0 122    
                                                   
Total Assets in Romania EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       14,875 15,228 15,340 15,673 16,841    
Loans in Romania EUR mil ... ... ... ... ... ... ... ...                   8,463 8,251 8,762 9,734 9,316    
Deposits in Romania EUR mil ... ... ... ... ... ... ... ...                   10,627 11,269 11,815 12,151 13,326    
Equity in Romania EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,500 1,597 1,794 1,771 1,920    
Risk-Weighted Assets in Romania EUR mil ... ... ... ... ... ... ...                     5,369 5,409 5,954 6,521 6,786    
Allocated Capital in Romania EUR mil ... ... ... ... ... ... ...                     990 1,018 1,355 1,457 1,507    
Net Interest Margin in Romania % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.62 2.43 2.58 2.76 2.68    
Costs (As % Of Income) in Romania % ... ... ... ... ... ... ... ...                   56.8 55.3 53.7 52.2 50.8    
Loans (As % Of Deposits) in Romania % ... ... ... ... ... ... ... ...                   79.6 73.2 74.2 80.1 69.9    
ROE in Romania % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       15.2 8.33 13.0 4.77 6.64    
Return on Allocated Equity in Romania % ... ... ... ... ... ... ... ...                   19.3 12.0 18.5 6.04 8.26    
Provisions (As % Of NPLs) in Romania % ... ... ... ... ... ... ... ... ...                 84.9 89.8 97.0 118 123    
NPLs (As % Of Loans) in Romania % ... ... ... ... ... ... ... ... ...                 11.7 8.08 5.56 3.66 4.49    
Cost of Provisions (As % Of Loans) in Romania % ... ... ... ... ... ... ... ...                   -0.704 0.543 0.576 0.101 1.21    
                                                   
Revenues in Romania (as % of Total) % ... ... ... ... ... ... ... ...                   8.49 8.29 8.95 8.92 9.01    
Operating Profit in Romania (as % of Total) % ... ... ... ... ... ... ... ...                   9.38 9.55 9.89 10.5 11.0    
Net Profit in Romania (as % of Total) % ... ... ... ... ... ... ... ...                   13.5 8.27 11.3 4.79 15.6    
Assets in Romania (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       7.14 6.90 6.48 6.38 6.07    
RWA in Romania (as % of Total) % ... ... ... ... ... ... ... ...                   6.46 6.23 6.39 6.73 6.89    
Loans in Romania (as % of Total) % ... ... ... ... ... ... ... ...                   6.48 5.91 6.07 6.29 5.80    
Deposits in Romania (as % of Total) % ... ... ... ... ... ... ... ...                   7.71 7.52 7.33 7.07 6.97    
slovakia Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Slovakia EUR mil ... ... ... ... ... ...                       453 434 439 434 438    
Fee Income in Slovakia EUR mil ... ... ... ... ... ...                       122 113 129 145 147    
Other Income in Slovakia EUR mil ... ... ... ... ... ...                       20.7 21.7 18.6 27.0 15.6    
Total Revenues in Slovakia EUR mil ... ... ... ... ... ...                       595 569 586 606 601    
Operating Cost in Slovakia EUR mil ... ... ... ... ... ...                       275 281 280 289 287    
Operating Profit in Slovakia EUR mil ... ... ... ... ... ...                       320 288 307 317 314    
Provisions in Slovakia EUR mil ... ... ... ... ... ...                       48.2 38.7 24.2 41.8 107    
Other Cost in Slovakia EUR mil ... ... ... ... ... ...                       -11.0 30.8 39.6 40.0 50.2    
Pre-Tax Profit in Slovakia EUR mil ... ... ... ... ... ...                       283 218 243 235 157    
Net Profit in Slovakia EUR mil ... ... ... ... ... ...                       213 166 189 188 116    
Net Profit Avail. to Common in Slovakia EUR mil ... ... ... ... ... ...                       213 166 189 188 116    
                                                   
Total Assets in Slovakia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       14,819 16,338 17,435 18,614 20,705    
Loans in Slovakia EUR mil ... ... ... ... ... ... ... ...                   11,180 12,699 14,171 15,142 15,289    
Deposits in Slovakia EUR mil ... ... ... ... ... ... ... ...                   11,384 12,478 13,653 14,411 14,869    
Equity in Slovakia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,556 1,531 1,506 1,615 1,791    
Risk-Weighted Assets in Slovakia EUR mil ... ... ... ... ... ...                       4,737 5,560 6,310 7,209 7,624    
Allocated Capital in Slovakia EUR mil ... ... ... ... ... ...                       582 718 983 1,086 1,088    
Net Interest Margin in Slovakia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       3.15 2.79 2.60 2.41 2.23    
Costs (As % Of Income) in Slovakia % ... ... ... ... ... ...                       46.2 49.4 47.7 47.7 47.8    
Loans (As % Of Deposits) in Slovakia % ... ... ... ... ... ... ... ...                   98.2 102 104 105 103    
ROE in Slovakia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       13.8 10.8 12.5 12.0 6.80    
Return on Allocated Equity in Slovakia % ... ... ... ... ... ...                       34.2 25.6 22.3 18.2 10.7    
Provisions (As % Of NPLs) in Slovakia % ... ... ... ... ... ... ... ... ...                 69.1 76.4 80.4 80.5 107    
NPLs (As % Of Loans) in Slovakia % ... ... ... ... ... ... ... ... ...                 5.18 4.30 3.55 2.85 2.38    
Cost of Provisions (As % Of Loans) in Slovakia % ... ... ... ... ... ... ... ...                   0.450 0.324 0.180 0.285 0.703    
                                                   
Revenues in Slovakia (as % of Total) % ... ... ... ... ... ...                       8.21 7.71 7.95 7.86 7.98    
Operating Profit in Slovakia (as % of Total) % ... ... ... ... ... ...                       11.3 10.0 9.91 10.1 10.4    
Net Profit in Slovakia (as % of Total) % ... ... ... ... ... ...                       14.5 11.4 9.73 10.6 14.7    
Assets in Slovakia (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       7.12 7.40 7.36 7.58 7.46    
RWA in Slovakia (as % of Total) % ... ... ... ... ... ... ... ...                   5.70 6.41 6.77 7.44 7.74    
Loans in Slovakia (as % of Total) % ... ... ... ... ... ... ... ...                   8.56 9.10 9.82 9.78 9.52    
Deposits in Slovakia (as % of Total) % ... ... ... ... ... ... ... ...                   8.26 8.32 8.47 8.39 7.78    
hungary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Hungary EUR mil ... ... ... ... ... ...                       173 198 199 213 218    
Fee Income in Hungary EUR mil ... ... ... ... ... ...                       142 157 170 188 181    
Other Income in Hungary EUR mil ... ... ... ... ... ...                       25.1 39.2 49.4 44.0 32.4    
Total Revenues in Hungary EUR mil ... ... ... ... ... ...                       340 395 418 446 431    
Operating Cost in Hungary EUR mil ... ... ... ... ... ...                       196 221 212 217 213    
Operating Profit in Hungary EUR mil ... ... ... ... ... ...                       145 174 206 229 218    
Provisions in Hungary EUR mil ... ... ... ... ... ...                       -91.7 -28.7 -32.2 -16.8 78.8    
Other Cost in Hungary EUR mil ... ... ... ... ... ...                       93.4 22.1 63.1 59.8 64.7    
Pre-Tax Profit in Hungary EUR mil ... ... ... ... ... ...                       143 181 175 186 74.6    
Net Profit in Hungary EUR mil ... ... ... ... ... ...                       134 165 167 173 56.1    
Net Profit Avail. to Common in Hungary EUR mil ... ... ... ... ... ...                       134 165 167 173 56.1    
                                                   
Total Assets in Hungary EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       6,606 7,151 7,987 8,932 10,162    
Loans in Hungary EUR mil ... ... ... ... ... ... ... ...                   4,180 4,423 4,739 5,524 4,947    
Deposits in Hungary EUR mil ... ... ... ... ... ... ... ...                   4,580 4,965 5,391 6,566 7,374    
Equity in Hungary EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       907 1,093 1,115 1,217 1,165    
Risk-Weighted Assets in Hungary EUR mil ... ... ... ... ... ...                       3,470 3,826 3,816 4,226 3,967    
Allocated Capital in Hungary EUR mil ... ... ... ... ... ...                       517 576 862 965 1,000    
Net Interest Margin in Hungary % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.73 2.88 2.63 2.52 2.28    
Costs (As % Of Income) in Hungary % ... ... ... ... ... ...                       57.5 55.9 50.8 48.6 49.4    
Loans (As % Of Deposits) in Hungary % ... ... ... ... ... ... ... ...                   91.3 89.1 87.9 84.1 67.1    
ROE in Hungary % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       18.9 16.5 15.1 14.9 4.71    
Return on Allocated Equity in Hungary % ... ... ... ... ... ...                       26.5 30.2 23.2 19.0 5.71    
Provisions (As % Of NPLs) in Hungary % ... ... ... ... ... ... ... ... ...                 71.2 82.9 80.6 84.6 111    
NPLs (As % Of Loans) in Hungary % ... ... ... ... ... ... ... ... ...                 9.44 5.68 3.87 2.67 3.04    
Cost of Provisions (As % Of Loans) in Hungary % ... ... ... ... ... ... ... ...                   -2.18 -0.667 -0.703 -0.327 1.50    
                                                   
Revenues in Hungary (as % of Total) % ... ... ... ... ... ...                       4.69 5.35 5.67 5.78 5.73    
Operating Profit in Hungary (as % of Total) % ... ... ... ... ... ...                       5.10 6.08 6.66 7.28 7.19    
Net Profit in Hungary (as % of Total) % ... ... ... ... ... ...                       9.07 11.3 8.57 9.77 7.14    
Assets in Hungary (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       3.17 3.24 3.37 3.64 3.66    
RWA in Hungary (as % of Total) % ... ... ... ... ... ... ... ...                   4.18 4.41 4.09 4.36 4.03    
Loans in Hungary (as % of Total) % ... ... ... ... ... ... ... ...                   3.20 3.17 3.29 3.57 3.08    
Deposits in Hungary (as % of Total) % ... ... ... ... ... ... ... ...                   3.32 3.31 3.35 3.82 3.86    
croatia Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Croatia EUR mil ... ... ... ... ... ...                       265 270 274 275 271    
Fee Income in Croatia EUR mil ... ... ... ... ... ...                       88.0 95.8 98.9 108 92.0    
Other Income in Croatia EUR mil ... ... ... ... ... ...                       54.5 47.7 47.7 46.9 38.7    
Total Revenues in Croatia EUR mil ... ... ... ... ... ...                       407 414 420 430 402    
Operating Cost in Croatia EUR mil ... ... ... ... ... ...                       194 206 213 223 215    
Operating Profit in Croatia EUR mil ... ... ... ... ... ...                       213 208 208 207 187    
Provisions in Croatia EUR mil ... ... ... ... ... ...                       48.4 118 35.2 8.47 105    
Other Cost in Croatia EUR mil ... ... ... ... ... ...                       5.20 7.27 -0.704 35.5 16.3    
Pre-Tax Profit in Croatia EUR mil ... ... ... ... ... ...                       160 82.6 173 163 66.0    
Net Profit in Croatia EUR mil ... ... ... ... ... ...                       122 59.7 140 132 64.4    
Net Profit Avail. to Common in Croatia EUR mil ... ... ... ... ... ...                       83.7 37.7 95.7 90.3 43.9    
                                                   
Total Assets in Croatia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       8,654 8,840 9,378 9,905 10,899    
Loans in Croatia EUR mil ... ... ... ... ... ... ... ...                   6,647 6,558 7,069 7,241 7,511    
Deposits in Croatia EUR mil ... ... ... ... ... ... ... ...                   5,731 5,964 6,637 6,912 7,963    
Equity in Croatia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,033 1,082 1,199 1,304 1,352    
Risk-Weighted Assets in Croatia EUR mil ... ... ... ... ... ...                       4,256 4,357 5,005 5,638 5,814    
Allocated Capital in Croatia EUR mil ... ... ... ... ... ...                       549 598 752 805 911    
Net Interest Margin in Croatia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       3.02 3.09 3.01 2.85 2.60    
Costs (As % Of Income) in Croatia % ... ... ... ... ... ...                       47.7 49.8 50.6 51.9 53.4    
Loans (As % Of Deposits) in Croatia % ... ... ... ... ... ... ... ...                   116 110 107 105 94.3    
ROE in Croatia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       12.6 5.65 12.3 10.6 4.85    
Return on Allocated Equity in Croatia % ... ... ... ... ... ...                       15.3 6.57 14.2 11.6 5.11    
Provisions (As % Of NPLs) in Croatia % ... ... ... ... ... ... ... ... ...                 73.3 66.4 69.4 73.9 89.7    
NPLs (As % Of Loans) in Croatia % ... ... ... ... ... ... ... ... ...                 12.1 14.0 10.6 8.12 6.74    
Cost of Provisions (As % Of Loans) in Croatia % ... ... ... ... ... ... ... ...                   0.697 1.78 0.516 0.118 1.42    
                                                   
Revenues in Croatia (as % of Total) % ... ... ... ... ... ...                       5.62 5.61 5.70 5.58 5.33    
Operating Profit in Croatia (as % of Total) % ... ... ... ... ... ...                       7.51 7.25 6.71 6.58 6.16    
Net Profit in Croatia (as % of Total) % ... ... ... ... ... ...                       5.68 2.58 4.92 5.09 5.58    
Assets in Croatia (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4.16 4.01 3.96 4.03 3.93    
RWA in Croatia (as % of Total) % ... ... ... ... ... ... ... ...                   5.12 5.02 5.37 5.82 5.90    
Loans in Croatia (as % of Total) % ... ... ... ... ... ... ... ...                   5.09 4.70 4.90 4.68 4.68    
Deposits in Croatia (as % of Total) % ... ... ... ... ... ... ... ...                   4.16 3.98 4.12 4.02 4.17    
serbia Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Serbia EUR mil ... ... ... ... ... ...                       46.8 51.3 50.7 58.4 63.6    
Fee Income in Serbia EUR mil ... ... ... ... ... ...                       11.1 11.3 13.4 14.7 16.1    
Other Income in Serbia EUR mil ... ... ... ... ... ...                       3.78 4.40 5.20 5.43 4.05    
Total Revenues in Serbia EUR mil ... ... ... ... ... ...                       61.7 67.0 69.3 78.5 83.8    
Operating Cost in Serbia EUR mil ... ... ... ... ... ...                       40.2 45.1 49.6 58.7 60.3    
Operating Profit in Serbia EUR mil ... ... ... ... ... ...                       21.5 21.9 19.7 19.9 23.4    
Provisions in Serbia EUR mil ... ... ... ... ... ...                       4.15 -0.978 -1.69 0.843 13.5    
Other Cost in Serbia EUR mil ... ... ... ... ... ...                       0.640 0.093 0.517 0.361 4.76    
Pre-Tax Profit in Serbia EUR mil ... ... ... ... ... ...                       16.7 22.8 20.8 18.7 5.17    
Net Profit in Serbia EUR mil ... ... ... ... ... ...                       16.0 21.2 19.4 17.6 5.38    
Net Profit Avail. to Common in Serbia EUR mil ... ... ... ... ... ...                       12.8 17.0 15.5 14.0 4.22    
                                                   
Total Assets in Serbia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,199 1,423 1,782 2,064 2,553    
Loans in Serbia EUR mil ... ... ... ... ... ... ... ...                   997 1,137 1,540 1,906 1,744    
Deposits in Serbia EUR mil ... ... ... ... ... ... ... ...                   658 844 1,024 1,175 1,600    
Equity in Serbia EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       148 179 202 274 284    
Risk-Weighted Assets in Serbia EUR mil ... ... ... ... ... ...                       943 1,143 1,456 1,612 1,489    
Allocated Capital in Serbia EUR mil ... ... ... ... ... ...                       123 141 224 250 248    
Net Interest Margin in Serbia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4.26 3.91 3.17 3.04 2.76    
Costs (As % Of Income) in Serbia % ... ... ... ... ... ...                       65.2 67.3 71.6 74.7 72.0    
Loans (As % Of Deposits) in Serbia % ... ... ... ... ... ... ... ...                   152 135 150 162 109    
ROE in Serbia % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       11.4 13.0 10.2 7.37 1.93    
Return on Allocated Equity in Serbia % ... ... ... ... ... ...                       11.2 12.9 8.49 5.90 1.69    
Provisions (As % Of NPLs) in Serbia % ... ... ... ... ... ... ... ... ...                 85.6 85.6 139 151 168    
NPLs (As % Of Loans) in Serbia % ... ... ... ... ... ... ... ... ...                 13.6 7.07 1.47 1.11 1.46    
Cost of Provisions (As % Of Loans) in Serbia % ... ... ... ... ... ... ... ...                   0.436 -0.092 -0.126 0.049 0.739    
                                                   
Revenues in Serbia (as % of Total) % ... ... ... ... ... ...                       0.851 0.908 0.939 1.02 1.11    
Operating Profit in Serbia (as % of Total) % ... ... ... ... ... ...                       0.758 0.766 0.636 0.632 0.772    
Net Profit in Serbia (as % of Total) % ... ... ... ... ... ...                       0.871 1.17 0.798 0.790 0.536    
Assets in Serbia (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.576 0.645 0.753 0.840 0.920    
RWA in Serbia (as % of Total) % ... ... ... ... ... ... ... ...                   1.14 1.32 1.56 1.66 1.51    
Loans in Serbia (as % of Total) % ... ... ... ... ... ... ... ...                   0.763 0.815 1.07 1.23 1.09    
Deposits in Serbia (as % of Total) % ... ... ... ... ... ... ... ...                   0.477 0.563 0.635 0.684 0.837    
other Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                                 
Net Interest Income in Other EUR mil ... ... ... ... ... ... ... ... ...                 129 105 114 96.0 141    
Fee Income in Other EUR mil ... ... ... ... ... ... ... ... ...                 -43.9 -30.0 -58.4 -85.6 -94.1    
Other Income in Other EUR mil ... ... ... ... ... ... ... ... ...                 15.5 -111 -29.6 -51.1 -51.3    
Total Revenues in Other EUR mil ... ... ... ... ... ... ... ... ...                 101 -35.2 25.8 -40.7 -4.42    
Operating Cost in Other EUR mil ... ... ... ... ... ... ... ... ...                 258 270 236 168 193    
Operating Profit in Other EUR mil ... ... ... ... ... ... ... ... ...                 -157 -305 -211 -208 -198    
Provisions in Other EUR mil ... ... ... ... ... ... ... ... ...                 71.5 22.5 37.0 232 -1.75    
Other Cost in Other EUR mil ... ... ... ... ... ... ... ... ...                 316 27.6 73.1 74.3 1.73    
Pre-Tax Profit in Other EUR mil ... ... ... ... ... ... ... ... ...                 -544 -355 -321 -515 -198    
Net Profit in Other EUR mil ... ... ... ... ... ... ... ... ...                 -406 -230 -107 -345 -257    
Net Profit Avail. to Common in Other EUR mil ... ... ... ... ... ... ... ... ...                 -431 -257 -122 -353 -261    
                                                   
Total Assets in Other EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -16,175 -24,134 -26,910 -25,828 -24,894    
Loans in Other EUR mil ... ... ... ... ... ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ... ...
Deposits in Other EUR mil ... ... ... ... ... ... ... ...                   26.6 48.5 -1,955 -1,259 -550    
Equity in Other EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -17,619 -17,426 -21,271 -23,849 -26,249    
Risk-Weighted Assets in Other EUR mil ... ... ... ... ... ... ... ...                   2,025 1,637 2,242 2,060 2,933    
Allocated Capital in Other EUR mil ... ... ... ... ... ... ... ...                   6,991 7,911 5,735 5,914 8,059    
                                                   
Net Interest Margin in Other % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -0.921 -0.523 -0.446 -0.364 -0.556    
Costs (As % Of Income) in Other % ... ... ... ... ... ... ... ... ...                 256 -767 917 -412 -4,370    
Loans (As % Of Deposits) in Other % ... ... ... ... ... ... ... ... ...     ... ... ... ... ... ... ... ... ... ... ... ... ...
ROE in Other % ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.28 1.31 0.554 1.53 1.02    
Return on Allocated Equity in Other % ... ... ... ... ... ... ... ... ...                 -7.11 -3.45 -1.78 -6.06 -3.73    
Cost of Provisions (As % Of Loans) in Other % ... ... ... ... ... ... ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ...

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Erste Group's net profit rose 65.6% yoy to EUR 1,052 mil in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank made a net profit of EUR 1,052 mil under revenues of EUR 2,692 mil in the third quarter of 2023, up 65.6% and 26.7% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EUR 1...

Erste Group's customer deposits rose 7.94% yoy to EUR 137,939 mil in 4Q2016

By Helgi Library - August 23, 2023

Erste Group Bank's customer deposits reached EUR 137,939 mil in 2016-12-31, up 2.98% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 395 bil in 2016-12-31, up 0.573% when compared to the last year. Erste Group Bank...

Erste Group's customer deposits rose 7.94% yoy to EUR 137,939 mil in 4Q2016

By Helgi Library - August 23, 2023

Erste Group Bank's customer deposits reached EUR 137,939 mil in 2016-12-31, up 2.98% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 395 bil in 2016-12-31, up 0.573% when compared to the last year. Erste Group Bank...

Erste Group's capital adequacy ratio rose 4.30% yoy to 18.7% in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank's capital adequacy ratio reached 18.7% at the end of third quarter of 2023, down from 19.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.0% in 4Q2020 and an all time low of 9.40% in 3Q2008...

Erste Group's capital adequacy ratio rose 4.30% yoy to 18.7% in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank's capital adequacy ratio reached 18.7% at the end of third quarter of 2023, down from 19.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.0% in 4Q2020 and an all time low of 9.40% in 3Q2008...

Erste Group's net interest income rose 20.2% yoy to EUR 1,861 mil in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank generated total banking revenues of EUR 2,692 mil in the third quarter of 2023, up 26.7% when compared to the same period of last year and 1.1% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...

Erste Group's net interest income rose 20.2% yoy to EUR 1,861 mil in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank generated total banking revenues of EUR 2,692 mil in the third quarter of 2023, up 26.7% when compared to the same period of last year and 1.1% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...

Erste Group's costs (as % of assets) rose 6.69% yoy to 1.41% in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank's cost to income ratio reached 44.7% in the third quarter of 2023, down from 46.2% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 80.3% of income in 4Q2008 and an all time low of 44.7% in 3Q...

Erste Group's costs (as % of assets) rose 6.69% yoy to 1.41% in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank's cost to income ratio reached 44.7% in the third quarter of 2023, down from 46.2% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 80.3% of income in 4Q2008 and an all time low of 44.7% in 3Q...

Erste Group's npls (as % of loans) rose 6.49% yoy to 5.52% in 3Q2023

By Helgi Library - October 31, 2023

Erste Group Bank's non-performing loans reached 5.52% of total loans at the end of 2023-09-30, up from 5.18% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.69% in 2013-06-30 and an all time low of 4.01% in 2007-06-30. P...

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Erste Group Bank is the second largest commercial bank in Austria. The Group was founded in 1819 as the first Austrian savings bank. In 1997, Erste Group went public with a strategy to expand its retail business into Central and Eastern Europe (CEE). Since then Erste Group's customer base has grown through numerous acquisitions and organic growth from 600,000 to around 16.4 million. With 2,900 branches and 46,000 employees, Erste Group is today one of the largest financial services providers in the Eastern part of EU in terms of clients and total assets. It is the largest retail bank in the Czech Republic, Slovakia and Romania and is among the TOP5 players in number of other countries such as Hungary, or Croatia

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Finance

Erste Group Bank has been growing its revenues and asset by 0.985% and 4.24% a year on average in the last 10 years. Its loans and deposits have grown by 4.98% and 6.17% a year during that time and loans to deposits ratio reached 90.2% at the end of 2022. The company achieved an average return on equity of 7.29% in the last decade with net profit growing 11.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 53.4% in 2022, compared to 59.1% average in the last decade.

Equity represented 7.81% of total assets or 12.5% of loans at the end of 2022. Erste Group Bank's non-performing loans were 5.44% of total loans while provisions covered some 34.4% of NPLs at the end of 2022.

Valuation

Erste Group Bank stock traded at per share at the end of 2022 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 8.36% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 5.90x and price to book value (PBV) of 0.661x in 2022.

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