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Oberbank

Oberbank's npls (as % of loans) fell 20.4% to 2.81% in 2017

By Helgi Library - June 7, 2018

Oberbank's non-performing loans reached 2.81% of total loans at the end of 2017, down from 3.53% compared to the previous year. ...

Oberbank's net profit rose 10.5% to EUR 200 mil in 2017

By Helgi Library - June 7, 2018

Oberbank made a net profit of EUR 200 mil in 2017, up 10.5% compared to the previous year. This implies a return on equity of 8....

Oberbank's net profit rose 10.5% to EUR 200 mil in 2017

By Helgi Library - June 7, 2018

Oberbank made a net profit of EUR 200 mil in 2017, up 10.5% compared to the previous year. This implies a return on equity of 8....

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Annual Quarterly LTM

Profit Statement		2015	2016	2017
Net Interest Income	EUR mil	300	308	315
Net Fee Income	EUR mil	133	131	141
Other Income	EUR mil	91.3	62.7	82.2
Total Revenues	EUR mil	524	502	538
Staff Cost	EUR mil	149	154	164
Operating Profit	EUR mil	280	250	272
Provisions	EUR mil	47.1	25.0	28.4
Net Profit	EUR mil	166	181	200

Balance Sheet		2015	2016	2017
Interbank Loans	EUR mil	1,066	726	1,253
Customer Loans	EUR mil	12,352	13,325	14,368
Total Assets	EUR mil	18,243	19,159	20,831
Shareholders' Equity	EUR mil	1,926	2,283	2,467
Interbank Borrowing	EUR mil	2,996	3,159	4,155
Customer Deposits	EUR mil	10,522	10,945	11,397
Issued Debt Securities	EUR mil	2,099	2,064	1,997

Ratios		2015	2016	2017
ROE	%	9.61	8.60	8.42
ROA	%	0.923	0.968	1.00
Costs (As % Of Assets)	%	1.35	1.35	1.33
Costs (As % Of Income)	%	46.5	50.2	49.5
Capital Adequacy Ratio	%	17.7	19.4	17.0
Net Interest Margin	%	1.66	1.65	1.58
Loans (As % Of Deposits)	%	117	122	126
NPLs (As % Of Loans)	%	4.86	3.53	2.81
Provisions (As % Of NPLs)	%	78.3	93.0	94.7

Valuation	2015	2016	2017
Price/Earnings (P/E)	9.65	10.8	14.5
Price/Book Value (P/BV)	0.884	0.933	1.17
Earnings Per Share (EPS)	5.47	5.58	5.67
Book Value Per Share	59.7	64.7	69.9

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	EUR mil	...		279	277	287	314	300
Total Revenues	EUR mil	...		455	628	438	498	524
Operating Profit	EUR mil	...		226	403	207	261	280
Net Profit	EUR mil	...		111	111	122	137	166
balance sheet
Interbank Loans	EUR mil	...		1,566	1,769	1,693	1,461	1,066
Customer Loans	EUR mil	...		10,564	10,877	11,317	11,802	12,352
Debt Securities	EUR mil	...		4,443	4,242	3,868	3,707	3,817
Total Assets	EUR mil	...		17,484	17,675	17,571	17,775	18,243
Shareholders' Equity	EUR mil	...		1,222	1,342	1,421	1,534	1,926
Interbank Borrowing	EUR mil	...		4,279	4,040	3,239	3,252	2,996
Customer Deposits	EUR mil	...		9,064	9,399	10,026	9,994	10,522
Issued Debt Securities	EUR mil	...		2,251	2,209	2,224	2,295	2,099
ratios
ROE	%	...		9.33	8.67	8.86	9.25	9.61
ROA	%	...		0.649	0.632	0.694	0.773	0.923
Costs (As % Of Assets)	%	...		1.34	1.29	1.31	1.34	1.35
Costs (As % Of Income)	%	...		50.4	35.9	52.8	47.6	46.5
Capital Adequacy Ratio	%			16.5	16.8	17.0	15.7	17.7
Net Interest Margin	%	...		1.63	1.58	1.63	1.78	1.66
Interest Income (As % Of Revenues)	%	...		61.2	44.1	65.5	63.1	57.2
Fee Income (As % Of Revenues)	%	...		22.9	17.2	26.2	24.0	25.3
Staff Cost (As % Of Total Cost)	%	...		57.8	61.0	60.7	61.2	61.3
Equity (As % Of Assets)	%	...		6.99	7.60	8.09	8.63	10.6
Loans (As % Of Deposits)	%	...		117	116	113	118	117
Loans (As % Assets)	%	...		60.4	61.5	64.4	66.4	67.7
NPLs (As % Of Loans)	%	...	...	4.47	4.48	5.00	5.03	4.86
Provisions (As % Of NPLs)	%	...	...	71.7	73.2	67.6	76.8	78.3
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	1,765	1,823	1,924	1,739	1,748
Number Of Shares (Average)	mil	...	...	28.8	28.8	28.8	28.7	30.4
Share Price (End Of Period)		...	...	47.3	48.0	48.5	50.0	52.8
Earnings Per Share (EPS)		...	...	3.86	3.86	4.25	4.75	5.47
Book Value Per Share		...	...	42.5	46.6	49.4	53.3	59.7
Price/Earnings (P/E)		...	...	12.2	12.4	11.4	10.5	9.65
Price/Book Value (P/BV)		...	...	1.11	1.03	0.982	0.938	0.884
Earnings Per Share Growth	%	...	...	...	-0.054	10.1	11.8	15.1
Book Value Per Share Growth	%	...	...	1.28	9.85	5.85	7.96	12.1

income statement	Unit	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	EUR mil	...		599	564	481	483	437
Interest Cost	EUR mil	...		320	287	194	169	138
Net Interest Income	EUR mil	...		279	277	287	314	300
Net Fee Income	EUR mil	...		105	108	115	119	133
Other Income	EUR mil	...		72.0	243	36.4	64.3	91.3
Total Revenues	EUR mil	...		455	628	438	498	524
Staff Cost	EUR mil	...		133	138	140	145	149
Depreciation	EUR mil	...		0	0	0	0	0
Other Cost	EUR mil	...		96.8	88.2	90.7	91.9	94.2
Operating Cost	EUR mil	...		229	226	231	237	243
Operating Profit	EUR mil	...		226	403	207	261	280
Provisions	EUR mil	...		97.6	59.8	70.6	78.0	47.1
Extra and Other Cost	EUR mil	...		2.36	207	-5.45	25.0	41.8
Pre-Tax Profit	EUR mil	...		126	136	142	158	191
Tax	EUR mil	...		14.8	24.6	19.3	21.1	25.1
Minorities	EUR mil	...		0.025	0.019	0.040	-0.134	0.107
Net Profit	EUR mil	...		111	111	122	137	166
growth rates
Net Interest Income Growth	%	...	...	1.28	-0.608	3.47	9.44	-4.56
Net Fee Income Growth	%	...	...	3.27	3.55	5.91	4.09	11.3
Total Revenue Growth	%	...	...	6.76	38.0	-30.3	13.6	5.26
Operating Cost Growth	%	...	...	3.95	-1.55	2.26	2.57	2.68
Operating Profit Growth	%	...	...	9.77	78.1	-48.6	26.0	7.61
Pre-Tax Profit Growth	%	...	...	10.1	7.76	4.35	11.2	21.5
Net Profit Growth	%	...	...	13.1	-0.054	10.1	11.6	21.7

balance sheet	Unit	2009	2010	2011	2012	2013	2014	2015	2016	2017
balance sheet
Cash	EUR mil	...		300	183	175	147	354
Interbank Loans	EUR mil	...		1,566	1,769	1,693	1,461	1,066
Customer Loans	EUR mil	...		10,564	10,877	11,317	11,802	12,352
Retail Loans	EUR mil	...	...	...	...	...	...	2,695	...
Corporate Loans	EUR mil	...	...	...	...	...	...	9,657	...
Debt Securities	EUR mil	...		4,443	4,242	3,868	3,707	3,817
Fixed Assets	EUR mil	...		225	233	238	256	248
Total Assets	EUR mil	...		17,484	17,675	17,571	17,775	18,243
Shareholders' Equity	EUR mil	...		1,222	1,342	1,421	1,534	1,926
Of Which Minority Interest	EUR mil	...		1.41	2.93	2.96	3.24	4.56
Liabilities	EUR mil	...		16,262	16,333	16,150	16,241	16,318
Interbank Borrowing	EUR mil	...		4,279	4,040	3,239	3,252	2,996
Customer Deposits	EUR mil	...		9,064	9,399	10,026	9,994	10,522
Retail Deposits	EUR mil	...	...	...	...	...	...	4,736	...
Corporate Deposits	EUR mil	...	...	...	...	...	...	5,786	...
Issued Debt Securities	EUR mil	...		2,251	2,209	2,224	2,295	2,099
Other Liabilities	EUR mil	...		668	685	661	700	702
asset quality
Non-Performing Loans	EUR mil	...	...	488	504	586	618	624
Gross Loans	EUR mil	...		10,914	11,246	11,713	12,276	12,840
Total Provisions	EUR mil	...		350	369	396	474	488
growth rates
Customer Loan Growth	%	...	...	4.29	2.96	4.05	4.28	4.66
Total Asset Growth	%	...	...	4.27	1.09	-0.589	1.16	2.64
Shareholders' Equity Growth	%	...	...	5.26	9.85	5.85	7.96	25.5
Customer Deposit Growth	%	...	...	1.81	3.69	6.67	-0.323	5.28

ratios	Unit	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%	...		9.33	8.67	8.86	9.25	9.61
ROA	%	...		0.649	0.632	0.694	0.773	0.923
Costs (As % Of Assets)	%	...		1.34	1.29	1.31	1.34	1.35
Costs (As % Of Income)	%	...		50.4	35.9	52.8	47.6	46.5
Capital Adequacy Ratio	%			16.5	16.8	17.0	15.7	17.7
Tier 1 Ratio	%			11.5	11.9	12.3	11.6	14.2
Net Interest Margin	%	...		1.63	1.58	1.63	1.78	1.66
Interest Spread	%	...	...	1.49	1.45	1.53	1.69	1.58
Asset Yield	%	...		3.50	3.21	2.73	2.73	2.43
Cost Of Liabilities	%	...	...	2.01	1.76	1.20	1.04	0.847
Interest Income (As % Of Revenues)	%	...		61.2	44.1	65.5	63.1	57.2
Fee Income (As % Of Revenues)	%	...		22.9	17.2	26.2	24.0	25.3
Other Income (As % Of Revenues)	%	...		15.8	38.7	8.31	12.9	17.4
Cost Per Employee	USD per month	...		7,986	7,787	8,274	7,774	7,033
Cost Per Employee (Local Currency)	EUR per month	...		5,744	6,065	6,232	6,031	6,136
Staff Cost (As % Of Total Cost)	%	...		57.8	61.0	60.7	61.2	61.3
Equity (As % Of Assets)	%	...		6.99	7.60	8.09	8.63	10.6
Loans (As % Of Deposits)	%	...		117	116	113	118	117
Loans (As % Assets)	%	...		60.4	61.5	64.4	66.4	67.7
NPLs (As % Of Loans)	%	...	...	4.47	4.48	5.00	5.03	4.86
Provisions (As % Of NPLs)	%	...	...	71.7	73.2	67.6	76.8	78.3
Provisions (As % Of Loans)	%	...		3.32	3.39	3.50	4.02	3.95
Cost of Provisions (As % Of Loans)	%	...		0.944	0.558	0.637	0.675	0.390

other data	Unit	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Branches		...	...	...	...	...	156	156
Employees		...		1,925	1,892	1,876	2,004	2,025

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Comparison of 20 Banks in Austria
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Oberbank in Numbers
Annual (2009 - 2017)

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Statistical Dossier

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Oberbank's npls (as % of loans) fell 20.4% to 2.81% in 2017

By Helgi Library - June 7, 2018

Oberbank's non-performing loans reached 2.81% of total loans at the end of 2017, down from 3.53% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.03% in 2014 and an all time low of 2.81% in 2017. Provision coverage amount...

Oberbank's price/earnings (P/E) rose 33.8% to 14.5 in 2017

By Helgi Library - June 7, 2018

Oberbank stock traded at 82.0 per share at the end 2017 implying a market capitalization of USD 3,467 mil. Since the end of 2012, the stock has appreciated by 70.7 % implying an annual average growth of 11.3 %. In absolute terms, the value of the company rose ...

Oberbank's price/earnings (P/E) rose 33.8% to 14.5 in 2017

By Helgi Library - June 7, 2018

Oberbank's net interest margin fell 4.36% to 1.58% in 2017

By Helgi Library - June 7, 2018

Oberbank's net interest margin amounted to 1.58% in 2017, down from 1.65% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.78% in 2014 and an all time low of 1.58% in 2017. The average margin in t...

Oberbank's net interest margin fell 4.36% to 1.58% in 2017

By Helgi Library - June 7, 2018

Oberbank's net interest income rose 2.25% to EUR 315 mil in 2017

By Helgi Library - June 7, 2018

Oberbank generated total banking revenues of EUR 538 mil in 2017, up 7.19% 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 628 mil in 2012 and an all time...

Oberbank's capital adequacy ratio fell 12.0% to 17.0% in 2017

By Helgi Library - June 7, 2018

Oberbank's capital adequacy ratio reached 17.0% at the end of 2017, down from 19.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 19.4% in 2016 and an all time low of 15.7% in 2014. The Tier 1 ratio amounted to ...

Oberbank's net interest income rose 2.25% to EUR 315 mil in 2017

By Helgi Library - June 7, 2018

Oberbank's capital adequacy ratio fell 12.0% to 17.0% in 2017

By Helgi Library - June 7, 2018

Oberbank's customer loan growth fell 0.784% to 7.82% in 2017

By Helgi Library - June 7, 2018

Oberbank's customer loan growth reached 7.82% in 2017, down from 7.88% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 7.88% in 2016 and an all time low of 2.96% in 2012. In the last decade, the average ann...

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Finance

Oberbank has been growing its revenues and asset by -3.06% and 3.34% a year on average in the last 5 years. Its loans and deposits have grown by 5.72% and 3.93% a year during that time and loans to deposits ratio reached 126% at the end of 2017. The company achieved an average return on equity of 8.95% in the last five years with net profit growing 12.5% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.5% in 2017, compared to 49.3% average in the last five years.

Equity represented 11.8% of total assets or 17.2% of loans at the end of 2017. Oberbank's non-performing loans were 2.81% of total loans while provisions covered some 94.7% of NPLs at the end of 2017.

Valuation

Oberbank stock traded at 82.0 per share at the end of 2017 resulting in a market capitalization of USD 3,467 mil. Over the previous five years, stock price rose by 70.7% or 11.3% a year on average. That’s compared to an average ROE of 8.95% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 14.5x and price to book value (PBV) of 1.17x in 2017.

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Oberbank

Oberbank's npls (as % of loans) fell 20.4% to 2.81% in 2017

Oberbank's net profit rose 10.5% to EUR 200 mil in 2017

Oberbank's net profit rose 10.5% to EUR 200 mil in 2017

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Oberbank's npls (as % of loans) fell 20.4% to 2.81% in 2017

Oberbank's price/earnings (P/E) rose 33.8% to 14.5 in 2017

Oberbank's price/earnings (P/E) rose 33.8% to 14.5 in 2017

Oberbank's net interest margin fell 4.36% to 1.58% in 2017

Oberbank's net interest margin fell 4.36% to 1.58% in 2017

Oberbank's net interest income rose 2.25% to EUR 315 mil in 2017

Oberbank's capital adequacy ratio fell 12.0% to 17.0% in 2017

Oberbank's net interest income rose 2.25% to EUR 315 mil in 2017

Oberbank's capital adequacy ratio fell 12.0% to 17.0% in 2017

Oberbank's customer loan growth fell 0.784% to 7.82% in 2017

Finance

Valuation

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