By Helgi Library - May 26, 2018
Privatbanka made a net profit of EUR 9.44 mil under revenues of EUR 23.6 mil in 2017, up 3.57% and 4.75% respectively compared to the...
By Helgi Library - May 26, 2018
Privatbanka made a net profit of EUR 9.44 mil under revenues of EUR 23.6 mil in 2017, up 3.57% and 4.75% respectively compared to the...
By Helgi Library - December 12, 2019
Privatbanka's customer loans reached EUR 342 mil in 2017, up 18.4% compared to the previous year. Slovak banking sector provide...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 14.2 | 11.6 | 11.6 |
| Net Fee Income | EUR mil | 7.19 | 9.84 | 11.5 |
| Other Income | EUR mil | 1.06 | 1.12 | 0.494 |
| Total Revenues | EUR mil | 22.4 | 22.5 | 23.6 |
| Staff Cost | EUR mil | 6.32 | 6.40 | 6.96 |
| Operating Profit | EUR mil | 10.7 | 10.7 | 11.9 |
| Provisions | EUR mil | 2.86 | -0.978 | 0.069 |
| Net Profit | EUR mil | 5.23 | 9.11 | 9.44 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 9.73 | 11.0 | 13.1 |
| Customer Loans | EUR mil | 248 | 289 | 342 |
| Total Assets | EUR mil | 595 | 619 | 658 |
| Shareholders' Equity | EUR mil | 59.0 | 68.5 | 77.7 |
| Interbank Borrowing | EUR mil | 96.2 | 96.2 | 91.6 |
| Customer Deposits | EUR mil | 417 | 440 | 464 |
| Issued Debt Securities | EUR mil | 16.8 | 6.78 | 18.0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 9.22 | 14.3 | 12.9 |
| ROA | % | 0.844 | 1.50 | 1.48 |
| Costs (As % Of Assets) | % | 1.89 | 1.95 | 1.83 |
| Costs (As % Of Income) | % | 52.3 | 52.7 | 49.4 |
| Capital Adequacy Ratio | % | 13.4 | 12.8 | 13.4 |
| Net Interest Margin | % | 2.29 | 1.91 | 1.81 |
| Loans (As % Of Deposits) | % | 59.5 | 65.7 | 73.8 |
| NPLs (As % Of Loans) | % | 13.8 | 10.1 | 5.02 |
| Provisions (As % Of NPLs) | % | 41.7 | 46.5 | 79.6 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -4.54 | 0.442 | 4.75 |
| Operating Cost Growth | % | 1.24 | 1.25 | -1.83 |
| Operating Profit Growth | % | -10.2 | -0.439 | 12.1 |
| Net Profit Growth | % | 9.87 | 74.1 | 3.57 |
| Customer Loan Growth | % | 15.0 | 16.4 | 18.4 |
| Total Asset Growth | % | -7.77 | 3.93 | 6.28 |
| Customer Deposit Growth | % | 3.49 | 5.45 | 5.42 |
| Shareholders' Equity Growth | % | 8.25 | 16.1 | 13.4 |
| Employees | 167 | 167 | 186 | |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||
| Net Interest Income | EUR mil | 10.8 | 11.6 | 12.1 | 14.5 | 14.2 | |||||||||
| Total Revenues | EUR mil | 14.8 | 17.6 | 19.2 | 23.5 | 22.4 | |||||||||
| Operating Profit | EUR mil | 6.08 | 6.45 | 7.80 | 11.9 | 10.7 | |||||||||
| Net Profit | EUR mil | 3.74 | 4.30 | 4.36 | 4.76 | 5.23 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | EUR mil | 33.2 | 45.7 | 11.1 | 2.30 | 9.73 | |||||||||
| Customer Loans | EUR mil | 197 | 204 | 204 | 216 | 248 | |||||||||
| Debt Securities | EUR mil | 391 | 405 | 387 | 383 | 304 | |||||||||
| Total Assets | EUR mil | 637 | 682 | 614 | 645 | 595 | |||||||||
| Shareholders' Equity | EUR mil | 37.6 | 43.0 | 47.7 | 54.5 | 59.0 | |||||||||
| Interbank Borrowing | EUR mil | 70.0 | 151 | 152 | 165 | 96.2 | |||||||||
| Customer Deposits | EUR mil | 481 | 451 | 378 | 403 | 417 | |||||||||
| Issued Debt Securities | EUR mil | 41.6 | 30.1 | 25.5 | 16.2 | 16.8 | |||||||||
| ratios | |||||||||||||||
| ROE | % | 10.3 | 10.7 | 9.60 | 9.32 | 9.22 | |||||||||
| ROA | % | 0.649 | 0.652 | 0.672 | 0.756 | 0.844 | |||||||||
| Costs (As % Of Assets) | % | 1.50 | 1.69 | 1.76 | 1.84 | 1.89 | |||||||||
| Costs (As % Of Income) | % | 58.8 | 63.3 | 59.4 | 49.3 | 52.3 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 12.2 | 12.4 | 12.2 | 11.8 | 13.4 | |||||
| Net Interest Margin | % | 1.87 | 1.76 | 1.86 | 2.30 | 2.29 | |||||||||
| Interest Income (As % Of Revenues) | % | 72.9 | 65.9 | 62.8 | 61.7 | 63.2 | |||||||||
| Fee Income (As % Of Revenues) | % | 22.5 | 28.3 | 30.2 | 31.1 | 32.0 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 56.9 | 46.5 | 47.2 | 49.5 | 54.0 | |||||||||
| Equity (As % Of Assets) | % | 5.90 | 6.31 | 7.76 | 8.45 | 9.92 | |||||||||
| Loans (As % Of Deposits) | % | 41.0 | 45.2 | 53.9 | 53.6 | 59.5 | |||||||||
| Loans (As % Assets) | % | 30.9 | 29.9 | 33.1 | 33.5 | 41.7 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 9.37 | 9.83 | 10.3 | 10.5 | 13.8 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 30.6 | 32.5 | 37.9 | 50.9 | 41.7 | ||||||
| valuation | |||||||||||||||
| Book Value Per Share Growth | % | ... | 6.89 | 7.67 | 4.09 | 20.3 | -2.25 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||
| Interest Income | EUR mil | 22.4 | 25.7 | 24.3 | 23.4 | 21.6 | |||||||||
| Interest Cost | EUR mil | 11.6 | 14.1 | 12.2 | 8.93 | 7.46 | |||||||||
| Net Interest Income | EUR mil | 10.8 | 11.6 | 12.1 | 14.5 | 14.2 | |||||||||
| Net Fee Income | EUR mil | 3.32 | 4.98 | 5.81 | 7.31 | 7.19 | |||||||||
| Other Income | EUR mil | 0.674 | 1.01 | 1.34 | 1.67 | 1.06 | |||||||||
| Total Revenues | EUR mil | 14.8 | 17.6 | 19.2 | 23.5 | 22.4 | |||||||||
| Staff Cost | EUR mil | 4.93 | 5.17 | 5.39 | 5.74 | 6.32 | |||||||||
| Depreciation | EUR mil | 0.606 | 0.578 | 0.635 | 0.588 | 0.513 | |||||||||
| Other Cost | EUR mil | 3.14 | 5.37 | 5.39 | 5.25 | 4.88 | |||||||||
| Operating Cost | EUR mil | 8.68 | 11.1 | 11.4 | 11.6 | 11.7 | |||||||||
| Operating Profit | EUR mil | 6.08 | 6.45 | 7.80 | 11.9 | 10.7 | |||||||||
| Provisions | EUR mil | 1.18 | 0.920 | 1.55 | 4.42 | 2.86 | |||||||||
| Extra and Other Cost | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||
| Pre-Tax Profit | EUR mil | 4.90 | 5.53 | 6.25 | 7.50 | 7.84 | |||||||||
| Tax | EUR mil | 1.16 | 1.23 | 1.90 | 2.73 | 2.61 | |||||||||
| Minorities | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||
| Net Profit | EUR mil | 3.74 | 4.30 | 4.36 | 4.76 | 5.23 | |||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 6.89 | 7.67 | 4.09 | 20.3 | -2.25 | ||||||||
| Net Fee Income Growth | % | ... | 10.00 | 49.8 | 16.7 | 26.0 | -1.76 | ||||||||
| Total Revenue Growth | % | ... | -0.270 | 19.0 | 9.34 | 22.3 | -4.54 | ||||||||
| Operating Cost Growth | % | ... | 2.69 | 28.2 | 2.64 | 1.44 | 1.24 | ||||||||
| Operating Profit Growth | % | ... | -4.20 | 6.05 | 20.9 | 52.8 | -10.2 | ||||||||
| Pre-Tax Profit Growth | % | ... | 3.59 | 12.8 | 13.0 | 19.9 | 4.62 | ||||||||
| Net Profit Growth | % | ... | 8.03 | 15.0 | 1.26 | 9.37 | 9.87 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 0.603 | 0.838 | 0.827 | 0.955 | 0.984 | |||||||||
| Market Share in Net Profit | % | 0.555 | 0.896 | 0.793 | 0.850 | 0.864 | |||||||||
| Market Share in Employees | % | 0.770 | 0.804 | 0.863 | 0.852 | 0.884 | |||||||||
| Market Share in Branches | % | ... | 1.16 | 1.04 | 1.16 | 1.27 | 1.27 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||
| Cash | EUR mil | 12.8 | 8.48 | 9.55 | 41.2 | 30.4 | |||||||||
| Interbank Loans | EUR mil | 33.2 | 45.7 | 11.1 | 2.30 | 9.73 | |||||||||
| Customer Loans | EUR mil | 197 | 204 | 204 | 216 | 248 | |||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.2 | 13.0 | 22.4 | ||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 159 | 164 | 239 | ||
| Debt Securities | EUR mil | 391 | 405 | 387 | 383 | 304 | |||||||||
| Fixed Assets | EUR mil | 1.62 | 1.86 | 1.63 | 1.46 | 1.18 | |||||||||
| Total Assets | EUR mil | 637 | 682 | 614 | 645 | 595 | |||||||||
| Shareholders' Equity | EUR mil | 37.6 | 43.0 | 47.7 | 54.5 | 59.0 | |||||||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||
| Liabilities | EUR mil | 599 | 639 | 567 | 591 | 536 | |||||||||
| Interbank Borrowing | EUR mil | 70.0 | 151 | 152 | 165 | 96.2 | |||||||||
| Customer Deposits | EUR mil | 481 | 451 | 378 | 403 | 417 | |||||||||
| Retail Deposits | EUR mil | 243 | 271 | 293 | 262 | 290 | |||||||||
| Corporate Deposits | EUR mil | 220 | 136 | 57.7 | 68.5 | 64.1 | |||||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 100 | 112 | 120 | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 278 | 291 | 297 | ||
| Issued Debt Securities | EUR mil | 41.6 | 30.1 | 25.5 | 16.2 | 16.8 | |||||||||
| Other Liabilities | EUR mil | 6.42 | 6.29 | 11.1 | 6.46 | 5.99 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | 19.0 | 20.7 | 21.8 | 23.9 | 36.3 | ||||||
| Gross Loans | EUR mil | 203 | 211 | 212 | 228 | 264 | |||||||||
| Total Provisions | EUR mil | 5.81 | 6.74 | 8.26 | 12.1 | 15.1 | |||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 9.77 | 3.57 | -0.274 | 6.17 | 15.0 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.8 | 72.0 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.26 | 45.5 | ||
| Total Asset Growth | % | ... | 23.4 | 7.12 | -9.96 | 5.08 | -7.77 | ||||||||
| Shareholders' Equity Growth | % | ... | 6.83 | 14.6 | 10.8 | 14.4 | 8.25 | ||||||||
| Customer Deposit Growth | % | ... | 13.7 | -6.17 | -16.3 | 6.69 | 3.49 | ||||||||
| Retail Deposit Growth | % | ... | 33.5 | 11.6 | 8.08 | -10.5 | 10.4 | ||||||||
| Corporate Deposit Growth | % | ... | 3.12 | -38.3 | -57.5 | 18.5 | -6.42 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 0.541 | 0.550 | 0.519 | 0.517 | 0.546 | |||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.09 | 1.14 | 1.53 | ||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.055 | 0.056 | 0.086 | ||
| Market Share in Total Assets | % | 1.08 | 1.14 | 1.01 | 1.00 | 0.862 | |||||||||
| Market Share in Customer Deposits | % | 1.20 | 1.07 | 0.853 | 0.875 | 0.827 | |||||||||
| Market Share in Retail Deposits | % | 0.967 | 1.02 | 1.07 | 0.919 | 0.931 | |||||||||
| Market Share in Corporate Deposits | % | 2.38 | 1.42 | 0.534 | 0.636 | 0.543 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||
| ROE | % | 10.3 | 10.7 | 9.60 | 9.32 | 9.22 | |||||||||
| ROA | % | 0.649 | 0.652 | 0.672 | 0.756 | 0.844 | |||||||||
| Costs (As % Of Assets) | % | 1.50 | 1.69 | 1.76 | 1.84 | 1.89 | |||||||||
| Costs (As % Of Income) | % | 58.8 | 63.3 | 59.4 | 49.3 | 52.3 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 12.2 | 12.4 | 12.2 | 11.8 | 13.4 | |||||
| Net Interest Margin | % | 1.87 | 1.76 | 1.86 | 2.30 | 2.29 | |||||||||
| Interest Spread | % | ... | 1.73 | 1.62 | 1.72 | 2.18 | 2.16 | ||||||||
| Asset Yield | % | 3.89 | 3.90 | 3.75 | 3.72 | 3.49 | |||||||||
| Cost Of Liabilities | % | ... | 2.16 | 2.28 | 2.03 | 1.54 | 1.32 | ||||||||
| Interest Income (As % Of Revenues) | % | 72.9 | 65.9 | 62.8 | 61.7 | 63.2 | |||||||||
| Fee Income (As % Of Revenues) | % | 22.5 | 28.3 | 30.2 | 31.1 | 32.0 | |||||||||
| Other Income (As % Of Revenues) | % | 4.57 | 5.73 | 7.00 | 7.11 | 4.73 | |||||||||
| Cost Per Employee | USD per month | 4,025 | 3,691 | 3,727 | 3,874 | 3,617 | |||||||||
| Cost Per Employee (Local Currency) | EUR per month | 2,895 | 2,874 | 2,808 | 3,006 | 3,156 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 56.9 | 46.5 | 47.2 | 49.5 | 54.0 | |||||||||
| Equity (As % Of Assets) | % | 5.90 | 6.31 | 7.76 | 8.45 | 9.92 | |||||||||
| Loans (As % Of Deposits) | % | 41.0 | 45.2 | 53.9 | 53.6 | 59.5 | |||||||||
| Loans (As % Assets) | % | 30.9 | 29.9 | 33.1 | 33.5 | 41.7 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 9.37 | 9.83 | 10.3 | 10.5 | 13.8 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 30.6 | 32.5 | 37.9 | 50.9 | 41.7 | ||||||
| Provisions (As % Of Loans) | % | 2.95 | 3.30 | 4.06 | 5.62 | 6.09 | |||||||||
| Cost of Provisions (As % Of Loans) | % | 0.627 | 0.459 | 0.759 | 2.10 | 1.23 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||||
| Branches | ... | 12.0 | 11.0 | 11.0 | 12.0 | 12.0 | |||||||||
| Employees | 142 | 150 | 160 | 159 | 167 | ||||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.5 | 27.8 | 28.9 |
Get all company financials in excel:
By Helgi Library - December 12, 2019
Privatbanka's customer loans reached EUR 342 mil in 2017, up 18.4% compared to the previous year. Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year. Privatbanka accounted for 0.649% of all custo...
By Helgi Library - May 26, 2018
Privatbanka's non-performing loans reached 5.02% of total loans at the end of 2017, down from 10.1% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.8% in 2015 and an all time low of 4.44% in 2010. Provision coverage amo...
By Helgi Library - May 26, 2018
Privatbanka's non-performing loans reached 5.02% of total loans at the end of 2017, down from 10.1% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.8% in 2015 and an all time low of 4.44% in 2010. Provision coverage amo...
By Helgi Library - December 12, 2019
Privatbanka's customer deposits reached EUR 464 mil in 2017, up 5.42% compared to the previous year. Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year. Privatbanka accounted for 0.852% of all...
By Helgi Library - December 12, 2019
Privatbanka's customer deposits reached EUR 464 mil in 2017, up 5.42% compared to the previous year. Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year. Privatbanka accounted for 0.852% of all...
By Helgi Library - July 16, 2018
Privatbanka generated total banking revenues of EUR 23.6 mil in 2017, up 4.75% compared to the previous year. Slovak banking sector banking sector generated total revenues of EUR 2,324 mil in 2017, down 10.6% when compared to the last year. As a...
By Helgi Library - July 16, 2018
Privatbanka generated total banking revenues of EUR 23.6 mil in 2017, up 4.75% compared to the previous year. Slovak banking sector banking sector generated total revenues of EUR 2,324 mil in 2017, down 10.6% when compared to the last year. As a...
By Helgi Library - May 26, 2018
Privatbanka's net interest margin amounted to 1.81% in 2017, down from 1.91% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.30% in 2014 and an all time low of 1.76% in 2012. The average margin i...
By Helgi Library - May 26, 2018
Privatbanka's net interest margin amounted to 1.81% in 2017, down from 1.91% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.30% in 2014 and an all time low of 1.76% in 2012. The average margin i...
By Helgi Library - May 26, 2018
Privatbanka employed 186 persons in 2017, up 11.4% when compared to the previous year. Historically, the bank's workforce hit an all time high of 186 persons in 2017 and an all time low of 91.0 in 2005. Average cost reached USD 3,501 per month per employee, 2...
Privatbanka is a Slovakia-based bank. The Bank provides a range of banking and financial services to commercial, financial, and private customers principally in the Slovak Republic and the Czech Republic. Privatbanka was the first bank in Slovakia to specialise in the providing of private banking services. The services now include wealth and portfolio services; and individual products, such as above-limit term deposits, various bonds, independent products, and foreign exchange transaction services, as well as banking advisory and personal financial services. Privatbanka was founded in 1995 and is headquartered in Bratislava, Slovakia. In the middle of 2007, the Bank was acquired by the Penta Group
Privatbanka has been growing its revenues and asset by 14.6% and 8.66% a year on average in the last 10 years. Its loans and deposits have grown by 9.08% and 8.95% a year during that time and loans to deposits ratio reached 73.8% at the end of 2017. The company achieved an average return on equity of 10.5% in the last decade with net profit growing 19.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.4% in 2017, compared to 56.1% average in the last decade.
Equity represented 11.8% of total assets or 22.7% of loans at the end of 2017. Privatbanka's non-performing loans were 5.02% of total loans while provisions covered some 79.6% of NPLs at the end of 2017.
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