By Helgi Library - November 29, 2018
Eurobank Poland's mortgage loans reached PLN 6,290 mil in 2017, down 1.68% compared to the previous year. Polish banking sector...
By Helgi Library - November 29, 2018
Eurobank Poland's mortgage loans reached PLN 6,290 mil in 2017, down 1.68% compared to the previous year. Polish banking sector...
By Helgi Library - May 16, 2018
Eurobank Poland made a net profit of PLN 103 mil in 2017, down 27.6% compared to the previous year. This implies a return on equ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | PLN mil | 576 | 640 | 662 |
| Net Fee Income | PLN mil | 64.0 | 61.9 | 50.6 |
| Other Income | PLN mil | 2.30 | 39.6 | 4.40 |
| Total Revenues | PLN mil | 642 | 741 | 717 |
| Staff Cost | PLN mil | ... | ... | ... |
| Operating Profit | PLN mil | 176 | 248 | 232 |
| Provisions | PLN mil | 73.0 | 127 | 122 |
| Net Profit | PLN mil | 134 | 142 | 103 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | PLN mil | ... | ... | ... |
| Customer Loans | PLN mil | 10,540 | 11,398 | 11,731 |
| Total Assets | PLN mil | 12,290 | 13,709 | 13,798 |
| Shareholders' Equity | PLN mil | 1,405 | 1,470 | 1,645 |
| Interbank Borrowing | PLN mil | ... | ... | ... |
| Customer Deposits | PLN mil | 5,570 | 6,850 | 6,817 |
| Issued Debt Securities | PLN mil | ... | ... | ... |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 10.3 | 9.88 | 6.60 |
| ROA | % | 1.12 | 1.09 | 0.747 |
| Costs (As % Of Assets) | % | 3.90 | 3.80 | 3.53 |
| Costs (As % Of Income) | % | 72.6 | 66.6 | 67.6 |
| Capital Adequacy Ratio | % | 15.1 | 15.2 | 16.0 |
| Net Interest Margin | % | 4.82 | 4.92 | 4.81 |
| Loans (As % Of Deposits) | % | 189 | 166 | 172 |
| NPLs (As % Of Loans) | % | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | ... |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -20.5 | 15.4 | -3.22 |
| Operating Cost Growth | % | 11.4 | 5.92 | -1.72 |
| Operating Profit Growth | % | -54.8 | 40.6 | -6.22 |
| Net Profit Growth | % | -42.9 | 5.97 | -27.6 |
| Customer Loan Growth | % | 12.2 | 8.14 | 2.93 |
| Total Asset Growth | % | 5.89 | 11.5 | 0.649 |
| Customer Deposit Growth | % | 0.153 | 23.0 | -0.480 |
| Shareholders' Equity Growth | % | 17.9 | 4.59 | 11.9 |
| Employees | 3,000 | 2,900 | 2,884 | |
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| summary | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||
| Net Interest Income | PLN mil | ... | ... | 672 | 617 | 576 | ||
| Total Revenues | PLN mil | ... | ... | 797 | 808 | 642 | ||
| Operating Profit | PLN mil | ... | ... | 397 | 390 | 176 | ||
| Net Profit | PLN mil | 72.0 | 138 | 173 | 235 | 134 | ||
| balance sheet | ||||||||
| Interbank Loans | PLN mil | ... | ... | 934 | 273 | ... | ... | ... |
| Customer Loans | PLN mil | ... | ... | 8,573 | 9,396 | 10,540 | ||
| Debt Securities | PLN mil | ... | ... | 1,100 | 1,280 | ... | ... | ... |
| Total Assets | PLN mil | ... | ... | 11,237 | 11,607 | 12,290 | ||
| Shareholders' Equity | PLN mil | ... | ... | 950 | 1,192 | 1,405 | ||
| Interbank Borrowing | PLN mil | ... | ... | 4,281 | 4,301 | ... | ... | ... |
| Customer Deposits | PLN mil | ... | ... | 5,579 | 5,561 | 5,570 | ||
| Issued Debt Securities | PLN mil | ... | ... | 181 | 331 | ... | ... | ... |
| ratios | ||||||||
| ROE | % | ... | ... | 18.3 | 21.9 | 10.3 | ||
| ROA | % | ... | ... | 1.54 | 2.06 | 1.12 | ||
| Costs (As % Of Assets) | % | ... | ... | 3.56 | 3.66 | 3.90 | ||
| Costs (As % Of Income) | % | ... | ... | 50.2 | 51.8 | 72.6 | ||
| Capital Adequacy Ratio | % | ... | ... | 11.6 | 11.0 | 15.1 | ||
| Net Interest Margin | % | ... | ... | 5.98 | 5.40 | 4.82 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 84.3 | 76.4 | 89.7 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 6.86 | 6.67 | 9.97 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 43.4 | 43.3 | ... | ... | ... |
| Equity (As % Of Assets) | % | ... | ... | 8.45 | 10.3 | 11.4 | ||
| Loans (As % Of Deposits) | % | ... | ... | 154 | 169 | 189 | ||
| Loans (As % Assets) | % | ... | ... | 76.3 | 81.0 | 85.8 | ||
| NPLs (As % Of Loans) | % | ... | ... | 10.7 | 10.00 | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | 74.6 | 74.1 | ... | ... | ... |
| valuation | ||||||||
| Book Value Per Share Growth | % | ... | ... | ... | -8.13 | -6.75 |
| income statement | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||
| Interest Income | PLN mil | ... | ... | 1,036 | 914 | 795 | ||
| Interest Cost | PLN mil | ... | ... | 363 | 297 | 219 | ||
| Net Interest Income | PLN mil | ... | ... | 672 | 617 | 576 | ||
| Net Fee Income | PLN mil | ... | ... | 54.7 | 53.9 | 64.0 | ||
| Other Income | PLN mil | ... | ... | 70.2 | 137 | 2.30 | ||
| Total Revenues | PLN mil | ... | ... | 797 | 808 | 642 | ||
| Staff Cost | PLN mil | ... | ... | 174 | 181 | ... | ... | ... |
| Depreciation | PLN mil | ... | ... | 28.4 | 26.9 | ... | ... | ... |
| Other Cost | PLN mil | ... | ... | 198 | 210 | ... | ... | ... |
| Operating Cost | PLN mil | ... | ... | 400 | 418 | 466 | ||
| Operating Profit | PLN mil | ... | ... | 397 | 390 | 176 | ||
| Provisions | PLN mil | ... | ... | 178 | 97.4 | 73.0 | ||
| Extra and Other Cost | PLN mil | ... | ... | 0 | 0 | -64.7 | ||
| Pre-Tax Profit | PLN mil | ... | ... | 218 | 292 | 168 | ||
| Tax | PLN mil | ... | ... | 44.9 | 57.4 | 33.7 | ||
| Minorities | PLN mil | ... | ... | 0 | 0 | 0 | ||
| Net Profit | PLN mil | 72.0 | 138 | 173 | 235 | 134 | ||
| growth rates | ||||||||
| Net Interest Income Growth | % | ... | ... | ... | -8.13 | -6.75 | ||
| Net Fee Income Growth | % | ... | ... | ... | -1.49 | 18.8 | ||
| Total Revenue Growth | % | ... | ... | ... | 1.39 | -20.5 | ||
| Operating Cost Growth | % | ... | ... | ... | 4.56 | 11.4 | ||
| Operating Profit Growth | % | ... | ... | ... | -1.81 | -54.8 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | 33.8 | -42.6 | ||
| Net Profit Growth | % | ... | 91.7 | 25.7 | 35.4 | -42.9 | ||
| market share | ||||||||
| Market Share in Revenues | % | ... | ... | 1.44 | 1.40 | 1.15 | ||
| Market Share in Net Profit | % | 0.463 | 0.892 | 1.14 | 1.48 | 1.20 | ||
| Market Share in Employees | % | ... | ... | ... | ... | 1.76 | ||
| Market Share in Branches | % | ... | ... | ... | ... | 3.39 |
| balance sheet | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||
| Cash | PLN mil | ... | ... | 186 | 256 | ... | ... | ... |
| Interbank Loans | PLN mil | ... | ... | 934 | 273 | ... | ... | ... |
| Customer Loans | PLN mil | ... | ... | 8,573 | 9,396 | 10,540 | ||
| Retail Loans | PLN mil | ... | ... | 9,316 | 10,147 | 10,540 | ||
| Mortgage Loans | PLN mil | ... | ... | 4,099 | 4,889 | 5,910 | ||
| Consumer Loans | PLN mil | ... | ... | 5,217 | 5,258 | 4,630 | ||
| Corporate Loans | PLN mil | ... | ... | 0 | 0 | 0 | ||
| Debt Securities | PLN mil | ... | ... | 1,100 | 1,280 | ... | ... | ... |
| Fixed Assets | PLN mil | ... | ... | 111 | 119 | ... | ... | ... |
| Total Assets | PLN mil | ... | ... | 11,237 | 11,607 | 12,290 | ||
| Shareholders' Equity | PLN mil | ... | ... | 950 | 1,192 | 1,405 | ||
| Of Which Minority Interest | PLN mil | ... | ... | 0 | 0 | 0 | ||
| Liabilities | PLN mil | ... | ... | 10,288 | 10,415 | 10,885 | ||
| Interbank Borrowing | PLN mil | ... | ... | 4,281 | 4,301 | ... | ... | ... |
| Customer Deposits | PLN mil | ... | ... | 5,579 | 5,561 | 5,570 | ||
| Retail Deposits | PLN mil | ... | ... | 5,579 | 5,561 | 5,570 | ||
| Corporate Deposits | PLN mil | ... | ... | 0 | 0 | 1.00 | ||
| Sight Deposits | PLN mil | ... | ... | 2,594 | 3,010 | ... | ... | ... |
| Term Deposits | PLN mil | ... | ... | 2,984 | 2,551 | ... | ... | ... |
| Issued Debt Securities | PLN mil | ... | ... | 181 | 331 | ... | ... | ... |
| Other Liabilities | PLN mil | ... | ... | 247 | 221 | ... | ... | ... |
| asset quality | ||||||||
| Non-Performing Loans | PLN mil | ... | ... | 996 | 1,015 | ... | ... | ... |
| Gross Loans | PLN mil | ... | ... | 9,316 | 10,147 | ... | ... | ... |
| Total Provisions | PLN mil | ... | ... | 744 | 752 | ... | ... | ... |
| growth rates | ||||||||
| Customer Loan Growth | % | ... | ... | ... | 9.60 | 12.2 | ||
| Retail Loan Growth | % | ... | ... | ... | 8.92 | 3.87 | ||
| Mortgage Loan Growth | % | ... | ... | ... | 19.3 | 20.9 | ||
| Consumer Loan Growth | % | ... | ... | ... | 0.780 | -11.9 | ||
| Total Asset Growth | % | ... | ... | ... | 3.29 | 5.89 | ||
| Shareholders' Equity Growth | % | ... | ... | ... | 25.5 | 17.9 | ||
| Customer Deposit Growth | % | ... | ... | ... | -0.309 | 0.153 | ||
| Retail Deposit Growth | % | ... | ... | ... | -0.309 | 0.153 | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ||
| market share | ||||||||
| Market Share in Customer Loans | % | ... | ... | 0.884 | 0.903 | 0.947 | ||
| Market Share in Corporate Loans | % | ... | ... | 0 | 0 | 0 | ||
| Market Share in Retail Loans | % | ... | ... | 1.69 | 1.73 | 1.69 | ||
| Market Share in Consumer Loans | % | ... | ... | 2.38 | 2.26 | 1.87 | ||
| Market Share in Mortgage Loans | % | ... | ... | 1.23 | 1.38 | 1.56 | ||
| Market Share in Total Assets | % | ... | ... | 0.819 | 0.775 | 0.786 | ||
| Market Share in Customer Deposits | % | ... | ... | 0.573 | 0.534 | 0.502 | ||
| Market Share in Retail Deposits | % | ... | ... | 1.10 | 0.997 | 0.910 | ||
| Market Share in Corporate Deposits | % | ... | ... | 0 | 0 | < 0.001 |
| ratios | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||
| ROE | % | ... | ... | 18.3 | 21.9 | 10.3 | ||
| ROA | % | ... | ... | 1.54 | 2.06 | 1.12 | ||
| Costs (As % Of Assets) | % | ... | ... | 3.56 | 3.66 | 3.90 | ||
| Costs (As % Of Income) | % | ... | ... | 50.2 | 51.8 | 72.6 | ||
| Capital Adequacy Ratio | % | ... | ... | 11.6 | 11.0 | 15.1 | ||
| Tier 1 Ratio | % | ... | ... | 9.71 | 14.2 | 12.4 | ||
| Net Interest Margin | % | ... | ... | 5.98 | 5.40 | 4.82 | ||
| Interest Spread | % | ... | ... | ... | 5.14 | 4.59 | ||
| Asset Yield | % | ... | ... | 9.22 | 8.00 | 6.65 | ||
| Cost Of Liabilities | % | ... | ... | ... | 2.87 | 2.06 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 84.3 | 76.4 | 89.7 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 6.86 | 6.67 | 9.97 | ||
| Other Income (As % Of Revenues) | % | ... | ... | 8.81 | 16.9 | 0.358 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 43.4 | 43.3 | ... | ... | ... |
| Equity (As % Of Assets) | % | ... | ... | 8.45 | 10.3 | 11.4 | ||
| Loans (As % Of Deposits) | % | ... | ... | 154 | 169 | 189 | ||
| Loans (As % Assets) | % | ... | ... | 76.3 | 81.0 | 85.8 | ||
| NPLs (As % Of Loans) | % | ... | ... | 10.7 | 10.00 | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | 74.6 | 74.1 | ... | ... | ... |
| Provisions (As % Of Loans) | % | ... | ... | 8.67 | 8.00 | ... | ... | ... |
| Cost of Provisions (As % Of Loans) | % | ... | ... | 2.08 | 1.08 | 0.732 |
| other data | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||
| Branches | ... | ... | ... | ... | 485 | |||
| Employees | ... | ... | ... | ... | 3,000 | |||
| Clients | mil | ... | ... | 0.025 | 0.102 | 0.165 | ... | |
| Sight (As % Of Customer Deposits) | % | ... | ... | 46.5 | 54.1 | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - May 16, 2018
Eurobank Poland made a net profit of PLN 103 mil in 2017, down 27.6% compared to the previous year. This implies a return on equity of 6.60%. Historically, the bank’s net profit reached an all time high of PLN 235 mil in 2014 and an all time low of PLN 103 ...
By Helgi Library - May 22, 2018
Eurobank Poland generated total banking revenues of PLN 717 mil in 2017, down 3.22% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. ...
By Helgi Library - May 22, 2018
Eurobank Poland's customer deposits reached PLN 6,817 mil in 2017, down 0.480% compared to the previous year. Polish banking sector accepted customer deposits of PLN 1,270 bil in 2017, up 4.79% when compared to the last year. Eurobank Poland accounted for...
By Helgi Library - May 22, 2018
Eurobank Poland's customer deposits reached PLN 6,817 mil in 2017, down 0.480% compared to the previous year. Polish banking sector accepted customer deposits of PLN 1,270 bil in 2017, up 4.79% when compared to the last year. Eurobank Poland accounted for...
By Helgi Library - May 22, 2018
Eurobank Poland's customer loans reached PLN 11,731 mil in 2017, up 2.93% compared to the previous year. Polish banking sector provided customer loans of PLN 1,206 bil in 2017, up 3.69% when compared to the last year. Eurobank Poland accounted for 0.973% ...
By Helgi Library - May 22, 2018
Eurobank Poland's customer loans reached PLN 11,731 mil in 2017, up 2.93% compared to the previous year. Polish banking sector provided customer loans of PLN 1,206 bil in 2017, up 3.69% when compared to the last year. Eurobank Poland accounted for 0.973% ...
By Helgi Library - May 22, 2018
Eurobank Poland generated total banking revenues of PLN 717 mil in 2017, down 3.22% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 61,763 mil in 2017, up 4.13% when compared to the last year. ...
By Helgi Library - May 22, 2018
Eurobank Poland's retail deposits reached PLN 6,817 mil in 2017, down 0.480% compared to the previous year. Polish banking sector accepted retail deposits of PLN 761 bil in 2017, up 4.18% when compared to the last year. Eurobank Poland accounted for 0.895...
By Helgi Library - May 22, 2018
Eurobank Poland's retail deposits reached PLN 6,817 mil in 2017, down 0.480% compared to the previous year. Polish banking sector accepted retail deposits of PLN 761 bil in 2017, up 4.18% when compared to the last year. Eurobank Poland accounted for 0.895...
By Helgi Library - May 16, 2018
Eurobank Poland's capital adequacy ratio reached 16.0% at the end of 2017, up from 15.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 16.0% in 2017 and an all time low of 11.0% in 2014. The Tier 1 ratio amounte...
Eurobank Poland has been growing its revenues and asset by -3.90% and 5.93% a year on average in the last 3 years. Its loans and deposits have grown by 7.68% and 7.02% a year during that time and loans to deposits ratio reached 172% at the end of 2017. The company achieved an average return on equity of 8.93% in the last three years with net profit growing -24.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 67.6% in 2017, compared to 68.9% average in the last three years.
Equity represented 11.9% of total assets or 14.0% of loans at the end of 2017. Eurobank Poland's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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