By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's mortgage loans reached EUR 2,155 mil in 2017, up 4.60% compared to the previous year. Slovak banking...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's mortgage loans reached EUR 2,155 mil in 2017, up 4.60% compared to the previous year. Slovak banking...
By Helgi Library - May 26, 2018
Prva Stavebna Sporitelna made a net profit of EUR 17.4 mil under revenues of EUR 73.1 mil in 2017, up -14.8% and -4.06% respectively ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 65.2 | 60.7 | 56.9 |
| Net Fee Income | EUR mil | 17.6 | 15.1 | 15.7 |
| Other Income | EUR mil | 0.657 | 0.327 | 0.483 |
| Total Revenues | EUR mil | 83.5 | 76.2 | 73.1 |
| Staff Cost | EUR mil | 16.7 | 14.3 | 14.9 |
| Operating Profit | EUR mil | 39.3 | 35.3 | 31.6 |
| Provisions | EUR mil | 8.90 | 7.15 | 9.51 |
| Net Profit | EUR mil | 22.7 | 20.4 | 17.4 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 22.5 | 72.3 | 37.4 |
| Customer Loans | EUR mil | 2,022 | 2,073 | 2,168 |
| Total Assets | EUR mil | 2,720 | 2,848 | 3,004 |
| Shareholders' Equity | EUR mil | 240 | 240 | 235 |
| Interbank Borrowing | EUR mil | 0 | 0 | 0 |
| Customer Deposits | EUR mil | 2,433 | 2,574 | 2,735 |
| Issued Debt Securities | EUR mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 9.46 | 8.51 | 7.32 |
| ROA | % | 0.849 | 0.733 | 0.594 |
| Costs (As % Of Assets) | % | 1.65 | 1.47 | 1.42 |
| Costs (As % Of Income) | % | 52.9 | 53.7 | 56.8 |
| Capital Adequacy Ratio | % | 12.8 | 12.5 | 13.2 |
| Net Interest Margin | % | 2.43 | 2.18 | 1.95 |
| Loans (As % Of Deposits) | % | 83.1 | 80.6 | 79.2 |
| NPLs (As % Of Loans) | % | 9.15 | 8.71 | 8.63 |
| Provisions (As % Of NPLs) | % | 31.4 | 31.7 | 30.6 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 1.75 | -8.83 | -4.06 |
| Operating Cost Growth | % | -6.93 | -7.52 | 1.49 |
| Operating Profit Growth | % | 13.7 | -10.3 | -10.5 |
| Net Profit Growth | % | 1.48 | -10.2 | -14.8 |
| Customer Loan Growth | % | 4.47 | 2.55 | 4.56 |
| Total Asset Growth | % | 3.02 | 4.73 | 5.45 |
| Customer Deposit Growth | % | 3.22 | 5.79 | 6.29 |
| Shareholders' Equity Growth | % | -0.179 | -0.128 | -1.87 |
| Employees | 412 | 413 | 406 | |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||||
| Net Interest Income | EUR mil | 66.2 | 67.1 | 66.2 | 62.0 | 65.2 | |||||||||||||
| Total Revenues | EUR mil | 94.5 | 89.0 | 88.9 | 82.1 | 83.5 | |||||||||||||
| Operating Profit | EUR mil | 47.6 | 42.1 | 41.5 | 34.6 | 39.3 | |||||||||||||
| Net Profit | EUR mil | 28.8 | 29.3 | 25.4 | 22.4 | 22.7 | |||||||||||||
| balance sheet | |||||||||||||||||||
| Interbank Loans | EUR mil | 70.5 | 54.1 | 109 | 146 | 22.5 | |||||||||||||
| Customer Loans | EUR mil | 1,769 | 1,882 | 1,936 | 1,935 | 2,022 | |||||||||||||
| Debt Securities | EUR mil | 316 | 275 | 275 | 478 | 578 | |||||||||||||
| Total Assets | EUR mil | 2,224 | 2,285 | 2,414 | 2,640 | 2,720 | |||||||||||||
| Shareholders' Equity | EUR mil | 251 | 250 | 245 | 241 | 240 | |||||||||||||
| Interbank Borrowing | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Customer Deposits | EUR mil | 1,902 | 1,999 | 2,124 | 2,357 | 2,433 | |||||||||||||
| Issued Debt Securities | EUR mil | 33.5 | 0 | 0 | 0 | 0 | |||||||||||||
| ratios | |||||||||||||||||||
| ROE | % | 11.4 | 11.7 | 10.3 | 9.23 | 9.46 | |||||||||||||
| ROA | % | 1.33 | 1.30 | 1.08 | 0.887 | 0.849 | |||||||||||||
| Costs (As % Of Assets) | % | 2.16 | 2.08 | 2.02 | 1.88 | 1.65 | |||||||||||||
| Costs (As % Of Income) | % | 49.7 | 52.6 | 53.3 | 57.9 | 52.9 | |||||||||||||
| Capital Adequacy Ratio | % | ... | 15.1 | 12.5 | 13.7 | 13.1 | 12.8 | ||||||||||||
| Net Interest Margin | % | 3.05 | 2.98 | 2.82 | 2.45 | 2.43 | |||||||||||||
| Interest Income (As % Of Revenues) | % | 70.0 | 75.5 | 74.4 | 75.5 | 78.1 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 28.7 | 23.3 | 24.5 | 23.6 | 21.1 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | 33.4 | 35.0 | 36.0 | 36.1 | 37.9 | |||||||||||||
| Equity (As % Of Assets) | % | 11.3 | 11.0 | 10.2 | 9.11 | 8.83 | |||||||||||||
| Loans (As % Of Deposits) | % | 93.0 | 94.1 | 91.2 | 82.1 | 83.1 | |||||||||||||
| Loans (As % Assets) | % | 79.5 | 82.4 | 80.2 | 73.3 | 74.3 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | 9.93 | 9.97 | 9.84 | 9.08 | 9.15 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | 34.3 | 32.9 | 31.7 | 32.6 | 31.4 | ||||||||||||
| valuation | |||||||||||||||||||
| Book Value Per Share Growth | % | ... | 0.139 | 1.39 | -1.42 | -6.35 | 5.26 |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||||||
| Interest Income | EUR mil | 118 | 119 | 121 | 120 | 118 | |||||||||||||
| Interest Cost | EUR mil | 51.7 | 52.3 | 54.7 | 57.9 | 53.2 | |||||||||||||
| Net Interest Income | EUR mil | 66.2 | 67.1 | 66.2 | 62.0 | 65.2 | |||||||||||||
| Net Fee Income | EUR mil | 27.2 | 20.7 | 21.8 | 19.4 | 17.6 | |||||||||||||
| Other Income | EUR mil | 1.16 | 1.09 | 0.925 | 0.758 | 0.657 | |||||||||||||
| Total Revenues | EUR mil | 94.5 | 89.0 | 88.9 | 82.1 | 83.5 | |||||||||||||
| Staff Cost | EUR mil | 15.7 | 16.4 | 17.1 | 17.1 | 16.7 | |||||||||||||
| Depreciation | EUR mil | 4.42 | 3.57 | 2.93 | 3.49 | 3.96 | |||||||||||||
| Other Cost | EUR mil | 26.8 | 26.9 | 27.4 | 26.9 | 23.5 | |||||||||||||
| Operating Cost | EUR mil | 47.0 | 46.8 | 47.4 | 47.5 | 44.2 | |||||||||||||
| Operating Profit | EUR mil | 47.6 | 42.1 | 41.5 | 34.6 | 39.3 | |||||||||||||
| Provisions | EUR mil | 10.8 | 8.47 | 6.50 | 5.41 | 8.90 | |||||||||||||
| Extra and Other Cost | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Pre-Tax Profit | EUR mil | 36.8 | 33.7 | 35.0 | 29.2 | 30.4 | |||||||||||||
| Tax | EUR mil | 7.97 | 4.36 | 9.60 | 6.76 | 7.67 | |||||||||||||
| Minorities | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Net Profit | EUR mil | 28.8 | 29.3 | 25.4 | 22.4 | 22.7 | |||||||||||||
| growth rates | |||||||||||||||||||
| Net Interest Income Growth | % | ... | 0.139 | 1.39 | -1.42 | -6.35 | 5.26 | ||||||||||||
| Net Fee Income Growth | % | ... | -0.473 | -23.6 | 5.10 | -11.2 | -8.91 | ||||||||||||
| Total Revenue Growth | % | ... | -0.183 | -5.89 | -0.074 | -7.65 | 1.75 | ||||||||||||
| Operating Cost Growth | % | ... | 9.97 | -0.243 | 1.16 | 0.276 | -6.93 | ||||||||||||
| Operating Profit Growth | % | ... | -8.52 | -11.5 | -1.45 | -16.7 | 13.7 | ||||||||||||
| Pre-Tax Profit Growth | % | ... | -0.605 | -8.51 | 4.05 | -16.7 | 4.26 | ||||||||||||
| Net Profit Growth | % | ... | -0.737 | 1.67 | -13.2 | -11.8 | 1.48 | ||||||||||||
| market share | |||||||||||||||||||
| Market Share in Revenues | % | 3.86 | 4.24 | 3.83 | 3.34 | 3.67 | |||||||||||||
| Market Share in Net Profit | % | 4.27 | 6.10 | 4.63 | 4.00 | 3.75 | |||||||||||||
| Market Share in Employees | % | ... | 2.14 | 2.10 | 2.20 | 2.19 | 2.18 | ||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.6 | ... | ... | ... |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||||||
| Cash | EUR mil | 0.501 | 3.65 | 19.2 | 0.358 | 19.1 | |||||||||||||
| Interbank Loans | EUR mil | 70.5 | 54.1 | 109 | 146 | 22.5 | |||||||||||||
| Customer Loans | EUR mil | 1,769 | 1,882 | 1,936 | 1,935 | 2,022 | |||||||||||||
| Retail Loans | EUR mil | 1,769 | 1,882 | 1,936 | 1,935 | 2,022 | |||||||||||||
| Mortgage Loans | EUR mil | 1,769 | 1,882 | 1,936 | 1,935 | 2,012 | |||||||||||||
| Consumer Loans | EUR mil | 0 | 0 | 0 | 0 | 9.32 | |||||||||||||
| Debt Securities | EUR mil | 316 | 275 | 275 | 478 | 578 | |||||||||||||
| Fixed Assets | EUR mil | 41.2 | 40.5 | 47.7 | 51.6 | 53.0 | |||||||||||||
| Total Assets | EUR mil | 2,224 | 2,285 | 2,414 | 2,640 | 2,720 | |||||||||||||
| Shareholders' Equity | EUR mil | 251 | 250 | 245 | 241 | 240 | |||||||||||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Liabilities | EUR mil | 1,973 | 2,035 | 2,169 | 2,399 | 2,480 | |||||||||||||
| Interbank Borrowing | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
| Customer Deposits | EUR mil | 1,902 | 1,999 | 2,124 | 2,357 | 2,433 | |||||||||||||
| Retail Deposits | EUR mil | 1,830 | 1,924 | 2,048 | 2,281 | 2,372 | |||||||||||||
| Corporate Deposits | EUR mil | 55.8 | 59.5 | 60.2 | 62.3 | 60.6 | |||||||||||||
| Issued Debt Securities | EUR mil | 33.5 | 0 | 0 | 0 | 0 | |||||||||||||
| Other Liabilities | EUR mil | 37.4 | 35.6 | 45.4 | 42.8 | 47.1 | |||||||||||||
| asset quality | |||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | 182 | 194 | 197 | 181 | 190 | ||||||||||||
| Gross Loans | EUR mil | ... | 1,831 | 1,946 | 1,998 | 1,994 | 2,081 | ||||||||||||
| Total Provisions | EUR mil | ... | 62.4 | 63.9 | 62.3 | 59.0 | 59.7 | ||||||||||||
| growth rates | |||||||||||||||||||
| Customer Loan Growth | % | ... | 1.88 | 6.42 | 2.87 | -0.054 | 4.47 | ||||||||||||
| Retail Loan Growth | % | ... | 1.88 | 6.42 | 2.87 | -0.054 | 4.47 | ||||||||||||
| Mortgage Loan Growth | % | ... | 1.88 | 6.42 | 2.87 | -0.054 | 3.98 | ||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 4.68 | 2.75 | 5.65 | 9.35 | 3.02 | ||||||||||||
| Shareholders' Equity Growth | % | ... | -0.733 | -0.272 | -2.03 | -1.91 | -0.179 | ||||||||||||
| Customer Deposit Growth | % | ... | 5.57 | 5.11 | 6.22 | 11.0 | 3.22 | ||||||||||||
| Retail Deposit Growth | % | ... | 5.41 | 5.13 | 6.46 | 11.3 | 4.00 | ||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.72 | 6.62 | 1.29 | 3.51 | -2.79 | ||||
| market share | |||||||||||||||||||
| Market Share in Customer Loans | % | 4.86 | 5.07 | 4.94 | 4.63 | 4.45 | |||||||||||||
| Market Share in Consumer Loans | % | 10.3 | 10.0 | 9.42 | 8.40 | 7.80 | |||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | 14.4 | 13.8 | 12.7 | 11.2 | 10.2 | ||||||||||
| Market Share in Total Assets | % | 3.77 | 3.83 | 3.96 | 4.11 | 3.94 | |||||||||||||
| Market Share in Customer Deposits | % | 4.74 | 4.72 | 4.79 | 5.12 | 4.82 | |||||||||||||
| Market Share in Retail Deposits | % | 7.28 | 7.23 | 7.49 | 7.99 | 7.63 |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||||||
| ROE | % | 11.4 | 11.7 | 10.3 | 9.23 | 9.46 | |||||||||||||
| ROA | % | 1.33 | 1.30 | 1.08 | 0.887 | 0.849 | |||||||||||||
| Costs (As % Of Assets) | % | 2.16 | 2.08 | 2.02 | 1.88 | 1.65 | |||||||||||||
| Costs (As % Of Income) | % | 49.7 | 52.6 | 53.3 | 57.9 | 52.9 | |||||||||||||
| Capital Adequacy Ratio | % | ... | 15.1 | 12.5 | 13.7 | 13.1 | 12.8 | ||||||||||||
| Net Interest Margin | % | 3.05 | 2.98 | 2.82 | 2.45 | 2.43 | |||||||||||||
| Interest Spread | % | ... | 2.73 | 2.69 | 2.54 | 2.21 | 2.24 | ||||||||||||
| Asset Yield | % | 5.42 | 5.30 | 5.14 | 4.74 | 4.42 | |||||||||||||
| Cost Of Liabilities | % | ... | 2.69 | 2.61 | 2.60 | 2.53 | 2.18 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 70.0 | 75.5 | 74.4 | 75.5 | 78.1 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 28.7 | 23.3 | 24.5 | 23.6 | 21.1 | |||||||||||||
| Other Income (As % Of Revenues) | % | 1.23 | 1.23 | 1.04 | 0.923 | 0.787 | |||||||||||||
| Cost Per Employee | USD per month | ... | 4,614 | 4,469 | 4,634 | 4,512 | 3,881 | ||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | 3,318 | 3,481 | 3,491 | 3,500 | 3,386 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 33.4 | 35.0 | 36.0 | 36.1 | 37.9 | |||||||||||||
| Equity (As % Of Assets) | % | 11.3 | 11.0 | 10.2 | 9.11 | 8.83 | |||||||||||||
| Loans (As % Of Deposits) | % | 93.0 | 94.1 | 91.2 | 82.1 | 83.1 | |||||||||||||
| Loans (As % Assets) | % | 79.5 | 82.4 | 80.2 | 73.3 | 74.3 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | 9.93 | 9.97 | 9.84 | 9.08 | 9.15 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | 34.3 | 32.9 | 31.7 | 32.6 | 31.4 | ||||||||||||
| Provisions (As % Of Loans) | % | ... | 3.53 | 3.40 | 3.22 | 3.05 | 2.95 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | 0.616 | 0.464 | 0.341 | 0.280 | 0.450 |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 317 | ... | ... | ... | |
| Employees | ... | 394 | 392 | 407 | 408 | 412 | |||||||||||||
| Number Of Loan Contracts | '000 | ... | 20.7 | 24.0 | 22.7 | 21.8 | 22.6 | ||||||||||||
| Number Of Deposit Contracts | '000 | ... | 852 | 850 | 833 | 831 | 831 | ||||||||||||
| Number Of All Contracts | '000 | ... | 873 | 874 | 856 | 853 | 853 | ||||||||||||
| Size Of Average Loan | EUR mil | ... | 0.085 | 0.079 | 0.085 | 0.089 | 0.089 | ||||||||||||
| Size Of Average Deposit | EUR mil | ... | 0.002 | 0.002 | 0.003 | 0.003 | 0.003 |
Get all company financials in excel:
By Helgi Library - May 26, 2018
Prva Stavebna Sporitelna made a net profit of EUR 17.4 mil under revenues of EUR 73.1 mil in 2017, up -14.8% and -4.06% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 35.2 mil in 2002 and an all time low of...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's customer deposits reached EUR 2,735 mil in 2017, up 6.29% 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. Prva Stavebna Sporitelna...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's customer deposits reached EUR 2,735 mil in 2017, up 6.29% 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. Prva Stavebna Sporitelna...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's customer loans reached EUR 2,168 mil in 2017, up 4.56% 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. Prva Stavebna Sporitelna accou...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's customer loans reached EUR 2,168 mil in 2017, up 4.56% 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. Prva Stavebna Sporitelna accou...
By Helgi Library - May 26, 2018
Prva Stavebna Sporitelna's net interest margin amounted to 1.95% in 2017, down from 2.18% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.32% in 2002 and an all time low of 1.95% in 2017. The ave...
By Helgi Library - May 26, 2018
Prva Stavebna Sporitelna's net interest margin amounted to 1.95% in 2017, down from 2.18% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.32% in 2002 and an all time low of 1.95% in 2017. The ave...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's consumer loans reached EUR 12.3 mil in 2017, down 3.23% compared to the previous year. Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year. Prva Stavebna Sporitelna acco...
By Helgi Library - December 12, 2019
Prva Stavebna Sporitelna's consumer loans reached EUR 12.3 mil in 2017, down 3.23% compared to the previous year. Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year. Prva Stavebna Sporitelna acco...
By Helgi Library - July 16, 2018
Prva Stavebna Sporitelna's retail deposits reached EUR 2,672 mil in 2017, up 6.27% compared to the previous year. Slovak banking sector accepted retail deposits of EUR 35.1 bil in 2017, up 4.67% when compared to the last year. Prva Stavebna Sporitelna acc...
Prvá stavebná sporitelna, a.s. is a Slovakia-based specialised bank. The Bank offers primarrily saving products; home loans; finance for the repair and reconstruction of residential houses; and solutions for the apartment owners and entrepreneurs. It also provides insurance products, such as house, apartment, or home furnishing insurance; family insurance; and funeral insurance products. The Bank was founded in 1992 and is headquartered in Bratislava, Slovakia. The Bank is partially owned by Erste Bank (holding 25.02%) while Bausparkasse Schwabisch Hall and Raiffeisen Bausparkassen have 32.5% each in the Bank
Prva Stavebna Sporitelna has been growing its revenues and asset by -0.242% and 6.35% a year on average in the last 10 years. Its loans and deposits have grown by 4.77% and 7.62% a year during that time and loans to deposits ratio reached 79.2% at the end of 2017. The company achieved an average return on equity of 9.98% in the last decade with net profit growing -3.29% a year on average. In terms of operating efficiency, its cost to income ratio reached 56.8% in 2017, compared to 52.1% average in the last decade.
Equity represented 7.84% of total assets or 10.9% of loans at the end of 2017. Prva Stavebna Sporitelna's non-performing loans were 8.63% of total loans while provisions covered some 30.6% of NPLs at the end of 2017.
Helgi Library 
