By Helgi Library - September 29, 2018
Salzburger Sparkasse's customer deposits reached EUR 3,690 mil in 2017, up 6.90% compared to the previous year. Austrian bankin...
By Helgi Library - September 29, 2018
Salzburger Sparkasse's customer deposits reached EUR 3,690 mil in 2017, up 6.90% compared to the previous year. Austrian bankin...
By Helgi Library - September 29, 2018
Salzburger Sparkasse's customer loans reached EUR 4,219 mil in 2017, up 7.01% compared to the previous year. Austrian banking s...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 70.8 | 78.5 | 86.3 |
| Net Fee Income | EUR mil | 50.5 | 30.8 | 43.4 |
| Other Income | EUR mil | 6.83 | 24.0 | 3.25 |
| Total Revenues | EUR mil | 128 | 133 | 133 |
| Staff Cost | EUR mil | 48.2 | 54.5 | 53.1 |
| Operating Profit | EUR mil | 48.6 | 43.2 | 44.0 |
| Provisions | EUR mil | 10.3 | 8.41 | 9.80 |
| Net Profit | EUR mil | 33.9 | 27.0 | 30.1 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 468 | 487 | 538 |
| Customer Loans | EUR mil | 3,678 | 3,943 | 4,219 |
| Total Assets | EUR mil | 4,654 | 4,923 | 5,183 |
| Shareholders' Equity | EUR mil | 312 | 338 | 364 |
| Interbank Borrowing | EUR mil | 906 | 954 | 978 |
| Customer Deposits | EUR mil | 3,245 | 3,452 | 3,690 |
| Issued Debt Securities | EUR mil | 68.6 | 52.3 | 31.4 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 11.4 | 8.32 | 8.56 |
| ROA | % | 0.753 | 0.565 | 0.595 |
| Costs (As % Of Assets) | % | 1.77 | 1.88 | 1.76 |
| Costs (As % Of Income) | % | 62.1 | 67.6 | 66.9 |
| Capital Adequacy Ratio | % | 14.6 | 14.5 | 13.8 |
| Net Interest Margin | % | 1.57 | 1.64 | 1.71 |
| Loans (As % Of Deposits) | % | 113 | 114 | 114 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 4.92 | 4.01 | -0.238 |
| Operating Cost Growth | % | -16.8 | 13.3 | -1.20 |
| Operating Profit Growth | % | 83.2 | -11.1 | 1.78 |
| Net Profit Growth | % | 4,204 | -20.2 | 11.2 |
| Customer Loan Growth | % | 9.11 | 7.21 | 7.01 |
| Total Asset Growth | % | 7.03 | 5.80 | 5.26 |
| Customer Deposit Growth | % | 4.50 | 6.40 | 6.90 |
| Shareholders' Equity Growth | % | 10.6 | 8.49 | 7.70 |
| Employees | 580 | 581 | 574 | |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||
| Net Interest Income | EUR mil | 63.9 | 54.8 | 58.6 | 67.2 | 70.8 | |||||||
| Total Revenues | EUR mil | 116 | 108 | 114 | 122 | 128 | |||||||
| Operating Profit | EUR mil | 31.2 | 22.0 | 32.0 | 26.5 | 48.6 | |||||||
| Net Profit | EUR mil | 1.67 | 4.50 | 8.46 | 0.787 | 33.9 | |||||||
| balance sheet | |||||||||||||
| Interbank Loans | EUR mil | 581 | 517 | 422 | 465 | 468 | |||||||
| Customer Loans | EUR mil | 3,214 | 3,347 | 3,173 | 3,371 | 3,678 | |||||||
| Debt Securities | EUR mil | 356 | 367 | 375 | 390 | 389 | |||||||
| Total Assets | EUR mil | 4,304 | 4,379 | 4,115 | 4,348 | 4,654 | |||||||
| Shareholders' Equity | EUR mil | 217 | 222 | 279 | 282 | 312 | |||||||
| Interbank Borrowing | EUR mil | 796 | 785 | 575 | 724 | 906 | |||||||
| Customer Deposits | EUR mil | 2,950 | 3,037 | 3,031 | 3,105 | 3,245 | |||||||
| Issued Debt Securities | EUR mil | 154 | 148 | 114 | 111 | 68.6 | |||||||
| ratios | |||||||||||||
| ROE | % | 0.791 | 2.05 | 3.38 | 0.280 | 11.4 | |||||||
| ROA | % | 0.039 | 0.104 | 0.199 | 0.019 | 0.753 | |||||||
| Costs (As % Of Assets) | % | 1.99 | 1.97 | 1.93 | 2.26 | 1.77 | |||||||
| Costs (As % Of Income) | % | 73.0 | 79.6 | 71.9 | 78.3 | 62.1 | |||||||
| Capital Adequacy Ratio | % | 13.8 | 14.4 | 14.5 | 13.9 | 14.6 | |||||||
| Net Interest Margin | % | 1.50 | 1.26 | 1.38 | 1.59 | 1.57 | |||||||
| Interest Income (As % Of Revenues) | % | 55.2 | 50.9 | 51.4 | 55.0 | 55.2 | |||||||
| Fee Income (As % Of Revenues) | % | 38.0 | 43.2 | 41.2 | 39.5 | 39.4 | |||||||
| Staff Cost (As % Of Total Cost) | % | 67.7 | 65.8 | 66.6 | 71.2 | 60.6 | |||||||
| Equity (As % Of Assets) | % | 5.04 | 5.07 | 6.79 | 6.48 | 6.70 | |||||||
| Loans (As % Of Deposits) | % | 109 | 110 | 105 | 109 | 113 | |||||||
| Loans (As % Assets) | % | 74.7 | 76.4 | 77.1 | 77.5 | 79.0 | |||||||
| valuation | |||||||||||||
| Book Value Per Share Growth | % | ... | 4.06 | -14.2 | 6.90 | 14.6 | 5.40 |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||
| Interest Income | EUR mil | 114 | 100 | 86.8 | 90.7 | 88.8 | |||||||
| Interest Cost | EUR mil | 49.9 | 45.6 | 28.1 | 23.5 | 18.0 | |||||||
| Net Interest Income | EUR mil | 63.9 | 54.8 | 58.6 | 67.2 | 70.8 | |||||||
| Net Fee Income | EUR mil | 44.0 | 46.5 | 47.0 | 48.2 | 50.5 | |||||||
| Other Income | EUR mil | 7.80 | 6.33 | 8.38 | 6.76 | 6.83 | |||||||
| Total Revenues | EUR mil | 116 | 108 | 114 | 122 | 128 | |||||||
| Staff Cost | EUR mil | 57.2 | 56.4 | 54.6 | 68.0 | 48.2 | |||||||
| Depreciation | EUR mil | 4.55 | 4.59 | 4.64 | 4.58 | 6.07 | |||||||
| Other Cost | EUR mil | 22.8 | 24.7 | 22.8 | 23.0 | 25.3 | |||||||
| Operating Cost | EUR mil | 84.5 | 85.7 | 82.0 | 95.6 | 79.5 | |||||||
| Operating Profit | EUR mil | 31.2 | 22.0 | 32.0 | 26.5 | 48.6 | |||||||
| Provisions | EUR mil | 29.5 | 15.1 | 19.3 | 19.1 | 10.3 | |||||||
| Extra and Other Cost | EUR mil | < -0.001 | < 0.001 | < 0.001 | < -0.001 | -1.03 | |||||||
| Pre-Tax Profit | EUR mil | 1.66 | 6.89 | 12.7 | 7.39 | 39.4 | |||||||
| Tax | EUR mil | -1.66 | -0.245 | 4.25 | 6.60 | 5.51 | |||||||
| Minorities | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||
| Net Profit | EUR mil | 1.67 | 4.50 | 8.46 | 0.787 | 33.9 | |||||||
| growth rates | |||||||||||||
| Net Interest Income Growth | % | ... | 4.06 | -14.2 | 6.90 | 14.6 | 5.40 | ||||||
| Net Fee Income Growth | % | ... | -5.84 | 5.65 | 1.08 | 2.61 | 4.80 | ||||||
| Total Revenue Growth | % | ... | -2.97 | -6.96 | 5.88 | 7.16 | 4.92 | ||||||
| Operating Cost Growth | % | ... | 2.68 | 1.35 | -4.27 | 16.6 | -16.8 | ||||||
| Operating Profit Growth | % | ... | -15.6 | -29.5 | 45.4 | -17.0 | 83.2 | ||||||
| Pre-Tax Profit Growth | % | ... | -93.8 | 315 | 84.4 | -41.9 | 433 | ||||||
| Net Profit Growth | % | ... | -87.7 | 169 | 88.1 | -90.7 | 4,204 | ||||||
| market share | |||||||||||||
| Market Share in Revenues | % | 0.601 | 0.563 | 0.602 | 0.612 | 0.616 | |||||||
| Market Share in Net Profit | % | 0.140 | 0.140 | -0.905 | -0.012 | 0.911 | |||||||
| Market Share in Employees | % | 0.807 | 0.799 | 0.791 | 0.793 | 0.791 |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||
| Cash | EUR mil | 39.3 | 43.3 | 40.8 | 41.2 | 43.9 | |||||||
| Interbank Loans | EUR mil | 581 | 517 | 422 | 465 | 468 | |||||||
| Customer Loans | EUR mil | 3,214 | 3,347 | 3,173 | 3,371 | 3,678 | |||||||
| Debt Securities | EUR mil | 356 | 367 | 375 | 390 | 389 | |||||||
| Fixed Assets | EUR mil | 46.3 | 44.5 | 42.7 | 41.7 | 38.0 | |||||||
| Total Assets | EUR mil | 4,304 | 4,379 | 4,115 | 4,348 | 4,654 | |||||||
| Shareholders' Equity | EUR mil | 217 | 222 | 279 | 282 | 312 | |||||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | |||||||
| Liabilities | EUR mil | 4,087 | 4,157 | 3,835 | 4,066 | 4,342 | |||||||
| Interbank Borrowing | EUR mil | 796 | 785 | 575 | 724 | 906 | |||||||
| Customer Deposits | EUR mil | 2,950 | 3,037 | 3,031 | 3,105 | 3,245 | |||||||
| Issued Debt Securities | EUR mil | 154 | 148 | 114 | 111 | 68.6 | |||||||
| Other Liabilities | EUR mil | 187 | 187 | 114 | 126 | 122 | |||||||
| growth rates | |||||||||||||
| Customer Loan Growth | % | ... | 8.21 | 4.15 | -5.19 | 6.22 | 9.11 | ||||||
| Total Asset Growth | % | ... | 2.58 | 1.75 | -6.04 | 5.67 | 7.03 | ||||||
| Shareholders' Equity Growth | % | ... | 5.69 | 2.37 | 25.9 | 0.900 | 10.6 | ||||||
| Customer Deposit Growth | % | ... | 4.64 | 2.96 | -0.201 | 2.42 | 4.50 | ||||||
| market share | |||||||||||||
| Market Share in Customer Loans | % | 0.720 | 0.759 | 0.732 | 0.791 | 0.855 | |||||||
| Market Share in Total Assets | % | 0.424 | 0.446 | 0.444 | 0.485 | 0.542 | |||||||
| Market Share in Customer Deposits | % | 0.847 | 0.858 | 0.836 | 0.830 | 0.842 |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||
| ROE | % | 0.791 | 2.05 | 3.38 | 0.280 | 11.4 | |||||||
| ROA | % | 0.039 | 0.104 | 0.199 | 0.019 | 0.753 | |||||||
| Costs (As % Of Assets) | % | 1.99 | 1.97 | 1.93 | 2.26 | 1.77 | |||||||
| Costs (As % Of Income) | % | 73.0 | 79.6 | 71.9 | 78.3 | 62.1 | |||||||
| Capital Adequacy Ratio | % | 13.8 | 14.4 | 14.5 | 13.9 | 14.6 | |||||||
| Tier 1 Ratio | % | 10.2 | 10.5 | 10.5 | 9.33 | 10.1 | |||||||
| Net Interest Margin | % | 1.50 | 1.26 | 1.38 | 1.59 | 1.57 | |||||||
| Interest Spread | % | ... | 1.44 | 1.21 | 1.34 | 1.55 | 1.54 | ||||||
| Asset Yield | % | 2.68 | 2.31 | 2.04 | 2.14 | 1.97 | |||||||
| Cost Of Liabilities | % | ... | 1.24 | 1.11 | 0.704 | 0.596 | 0.428 | ||||||
| Interest Income (As % Of Revenues) | % | 55.2 | 50.9 | 51.4 | 55.0 | 55.2 | |||||||
| Fee Income (As % Of Revenues) | % | 38.0 | 43.2 | 41.2 | 39.5 | 39.4 | |||||||
| Other Income (As % Of Revenues) | % | 6.75 | 5.88 | 7.35 | 5.54 | 5.33 | |||||||
| Cost Per Employee | USD per month | 10,518 | 9,741 | 10,045 | 12,427 | 7,932 | |||||||
| Cost Per Employee (Local Currency) | EUR per month | 7,565 | 7,586 | 7,567 | 9,641 | 6,920 | |||||||
| Staff Cost (As % Of Total Cost) | % | 67.7 | 65.8 | 66.6 | 71.2 | 60.6 | |||||||
| Equity (As % Of Assets) | % | 5.04 | 5.07 | 6.79 | 6.48 | 6.70 | |||||||
| Loans (As % Of Deposits) | % | 109 | 110 | 105 | 109 | 113 | |||||||
| Loans (As % Assets) | % | 74.7 | 76.4 | 77.1 | 77.5 | 79.0 | |||||||
| Cost of Provisions (As % Of Loans) | % | 0.955 | 0.460 | 0.591 | 0.585 | 0.304 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||||
| Employees | 630 | 619 | 601 | 588 | 580 |
Get all company financials in excel:
By Helgi Library - September 29, 2018
Salzburger Sparkasse's customer loans reached EUR 4,219 mil in 2017, up 7.01% compared to the previous year. Austrian banking sector provided customer loans of EUR 435 bil in 2017, down 0% when compared to the last year. Salzburger Sparkasse accounted for...
By Helgi Library - June 14, 2018
Salzburger Sparkasse's net interest margin amounted to 1.71% in 2017, up from 1.64% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.71% in 2017 and an all time low of 1.26% in 2012. The average m...
By Helgi Library - June 14, 2018
Salzburger Sparkasse's net interest margin amounted to 1.71% in 2017, up from 1.64% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.71% in 2017 and an all time low of 1.26% in 2012. The average m...
By Helgi Library - June 14, 2018
Salzburger Sparkasse made a net profit of EUR 30.1 mil in 2017, up 11.2% compared to the previous year. This implies a return on equity of 8.56%. Historically, the bank’s net profit reached an all time high of EUR 33.9 mil in 2015 and an all time low of EUR...
By Helgi Library - June 14, 2018
Salzburger Sparkasse made a net profit of EUR 30.1 mil in 2017, up 11.2% compared to the previous year. This implies a return on equity of 8.56%. Historically, the bank’s net profit reached an all time high of EUR 33.9 mil in 2015 and an all time low of EUR...
By Helgi Library - September 29, 2018
Salzburger Sparkasse generated total banking revenues of EUR 133 mil in 2017, down 0.239% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to the last year...
By Helgi Library - September 29, 2018
Salzburger Sparkasse generated total banking revenues of EUR 133 mil in 2017, down 0.239% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to the last year...
By Helgi Library - June 14, 2018
Salzburger Sparkasse generated total banking revenues of EUR 133 mil in 2017, down 0.239% 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 133 mil in 2016 ...
By Helgi Library - June 14, 2018
Salzburger Sparkasse generated total banking revenues of EUR 133 mil in 2017, down 0.239% 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 133 mil in 2016 ...
By Helgi Library - June 14, 2018
Salzburger Sparkasse's capital adequacy ratio reached 13.8% at the end of 2017, down from 14.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 14.6% in 2015 and an all time low of 10.3% in 2006. The Tier 1 ratio ...
Salzburger Sparkasse has been growing its revenues and asset by 2.87% and 6.03% a year on average in the last 3 years. Its loans and deposits have grown by 7.77% and 5.93% a year during that time and loans to deposits ratio reached 114% at the end of 2017. The company achieved an average return on equity of 9.43% in the last three years with net profit growing 237% a year on average. In terms of operating efficiency, its cost to income ratio reached 66.9% in 2017, compared to 65.5% average in the last three years.
Equity represented 7.03% of total assets or 8.63% of loans at the end of 2017. Salzburger Sparkasse's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
Helgi Library 
