By Helgi Library - June 13, 2018
Steiermarkische Sparkasse made a net profit of EUR 167 mil in 2017, down 3.03% compared to the previous year. This implies a ret...
By Helgi Library - June 13, 2018
Steiermarkische Sparkasse made a net profit of EUR 167 mil in 2017, down 3.03% compared to the previous year. This implies a ret...
By Helgi Library - June 13, 2018
Steiermarkische Sparkasse's non-performing loans reached 4.29% of total loans at the end of 2017, down from 4.67% compared to the...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 249 | 240 | 242 |
| Net Fee Income | EUR mil | 122 | 123 | 128 |
| Other Income | EUR mil | -28.5 | 79.3 | 63.9 |
| Total Revenues | EUR mil | 343 | 442 | 434 |
| Staff Cost | EUR mil | 150 | 152 | 147 |
| Operating Profit | EUR mil | 118 | 201 | 190 |
| Provisions | EUR mil | 23.7 | -20.1 | -15.6 |
| Net Profit | EUR mil | 30.1 | 172 | 167 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 1,960 | 1,592 | 2,015 |
| Customer Loans | EUR mil | 9,966 | 10,137 | 10,521 |
| Total Assets | EUR mil | 14,418 | 14,230 | 15,007 |
| Shareholders' Equity | EUR mil | 1,197 | 1,367 | 1,549 |
| Interbank Borrowing | EUR mil | 1,783 | 1,312 | 1,103 |
| Customer Deposits | EUR mil | 9,210 | 9,730 | 10,739 |
| Issued Debt Securities | EUR mil | 1,865 | 1,485 | 1,276 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 2.55 | 13.4 | 11.4 |
| ROA | % | 0.209 | 1.20 | 1.14 |
| Costs (As % Of Assets) | % | 1.56 | 1.68 | 1.67 |
| Costs (As % Of Income) | % | 65.5 | 54.5 | 56.1 |
| Capital Adequacy Ratio | % | 15.6 | 19.0 | 20.3 |
| Net Interest Margin | % | 1.73 | 1.67 | 1.65 |
| Loans (As % Of Deposits) | % | 108 | 104 | 98.0 |
| NPLs (As % Of Loans) | % | 5.77 | 4.67 | 4.29 |
| Provisions (As % Of NPLs) | % | 62.5 | 63.3 | 59.2 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -12.4 | 28.7 | -1.88 |
| Operating Cost Growth | % | 1.44 | 7.16 | 1.04 |
| Operating Profit Growth | % | -30.4 | 69.7 | -5.38 |
| Net Profit Growth | % | -64.2 | 471 | -3.03 |
| Customer Loan Growth | % | 0.321 | 1.72 | 3.79 |
| Total Asset Growth | % | -0.212 | -1.30 | 5.46 |
| Customer Deposit Growth | % | 4.55 | 5.65 | 10.4 |
| Shareholders' Equity Growth | % | 3.07 | 14.2 | 13.3 |
| Employees | 2,352 | 2,380 | 2,346 | |
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 | 264 | 249 | 240 | 250 | 249 | |||||||||
| Total Revenues | EUR mil | 414 | 392 | 367 | 392 | 343 | |||||||||
| Operating Profit | EUR mil | 192 | 171 | 150 | 170 | 118 | |||||||||
| Net Profit | EUR mil | 62.5 | 75.9 | 60.4 | 84.1 | 30.1 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | EUR mil | 1,856 | 2,025 | 1,876 | 1,846 | 1,960 | |||||||||
| Customer Loans | EUR mil | 10,036 | 9,919 | 9,783 | 9,934 | 9,966 | |||||||||
| Debt Securities | EUR mil | 1,512 | 1,692 | 1,678 | 1,704 | 1,583 | |||||||||
| Total Assets | EUR mil | 14,291 | 14,573 | 14,237 | 14,449 | 14,418 | |||||||||
| Shareholders' Equity | EUR mil | 865 | 1,034 | 1,056 | 1,162 | 1,197 | |||||||||
| Interbank Borrowing | EUR mil | 2,566 | 2,425 | 2,078 | 2,166 | 1,783 | |||||||||
| Customer Deposits | EUR mil | 8,290 | 8,381 | 8,499 | 8,809 | 9,210 | |||||||||
| Issued Debt Securities | EUR mil | 2,124 | 2,292 | 2,275 | 1,911 | 1,865 | |||||||||
| ratios | |||||||||||||||
| ROE | % | 7.30 | 7.99 | 5.78 | 7.58 | 2.55 | |||||||||
| ROA | % | 0.441 | 0.526 | 0.419 | 0.586 | 0.209 | |||||||||
| Costs (As % Of Assets) | % | 1.56 | 1.54 | 1.50 | 1.55 | 1.56 | |||||||||
| Costs (As % Of Income) | % | 53.5 | 56.5 | 59.1 | 56.6 | 65.5 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 13.8 | 14.0 | 14.6 | 14.2 | 15.6 | |||
| Net Interest Margin | % | 1.86 | 1.72 | 1.67 | 1.74 | 1.73 | |||||||||
| Interest Income (As % Of Revenues) | % | 63.7 | 63.4 | 65.5 | 63.9 | 72.7 | |||||||||
| Fee Income (As % Of Revenues) | % | 24.0 | 25.9 | 29.3 | 29.4 | 35.6 | |||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 67.6 | 68.0 | 68.7 | 67.2 | 66.5 | |||||
| Equity (As % Of Assets) | % | 6.05 | 7.10 | 7.42 | 8.04 | 8.30 | |||||||||
| Loans (As % Of Deposits) | % | 121 | 118 | 115 | 113 | 108 | |||||||||
| Loans (As % Assets) | % | 70.2 | 68.1 | 68.7 | 68.8 | 69.1 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 7.82 | 7.45 | 7.48 | 6.53 | 5.77 | |||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 56.1 | 56.7 | 58.1 | 63.8 | 62.5 | |||
| valuation | |||||||||||||||
| Book Value Per Share Growth | % | ... | 2.21 | -5.61 | -3.50 | 4.21 | -0.320 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||||||
| Interest Income | EUR mil | 450 | 430 | 373 | 364 | 334 | |||||||||
| Interest Cost | EUR mil | 186 | 181 | 133 | 113 | 84.7 | |||||||||
| Net Interest Income | EUR mil | 264 | 249 | 240 | 250 | 249 | |||||||||
| Net Fee Income | EUR mil | 99.3 | 102 | 108 | 115 | 122 | |||||||||
| Other Income | EUR mil | 51.0 | 41.9 | 19.0 | 26.4 | -28.5 | |||||||||
| Total Revenues | EUR mil | 414 | 392 | 367 | 392 | 343 | |||||||||
| Staff Cost | EUR mil | ... | ... | ... | ... | 150 | 151 | 149 | 149 | 150 | |||||
| Depreciation | EUR mil | ... | ... | ... | ... | 12.8 | 12.0 | 12.3 | 11.5 | 11.5 | |||||
| Other Cost | EUR mil | ... | ... | ... | ... | 58.9 | 59.0 | 55.5 | 61.1 | 63.7 | |||||
| Operating Cost | EUR mil | 222 | 222 | 217 | 222 | 225 | |||||||||
| Operating Profit | EUR mil | 192 | 171 | 150 | 170 | 118 | |||||||||
| Provisions | EUR mil | 63.9 | 56.5 | 72.4 | 45.0 | 23.7 | |||||||||
| Extra and Other Cost | EUR mil | 52.3 | 20.6 | 4.10 | 17.0 | 30.3 | |||||||||
| Pre-Tax Profit | EUR mil | 76.1 | 93.5 | 73.6 | 108 | 64.4 | |||||||||
| Tax | EUR mil | 13.4 | 17.1 | 13.1 | 24.1 | 33.8 | |||||||||
| Minorities | EUR mil | -0.200 | -0.500 | -0.100 | 0 | -0.500 | |||||||||
| Net Profit | EUR mil | 62.5 | 75.9 | 60.4 | 84.1 | 30.1 | |||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 2.21 | -5.61 | -3.50 | 4.21 | -0.320 | ||||||||
| Net Fee Income Growth | % | ... | -1.97 | 2.32 | 5.91 | 7.06 | 6.16 | ||||||||
| Total Revenue Growth | % | ... | 1.87 | -5.22 | -6.53 | 6.84 | -12.4 | ||||||||
| Operating Cost Growth | % | ... | 1.23 | 0.045 | -2.30 | 2.31 | 1.44 | ||||||||
| Operating Profit Growth | % | ... | 2.61 | -11.3 | -12.0 | 13.4 | -30.4 | ||||||||
| Pre-Tax Profit Growth | % | ... | -19.9 | 22.9 | -21.3 | 47.0 | -40.5 | ||||||||
| Net Profit Growth | % | ... | -18.7 | 21.4 | -20.4 | 39.2 | -64.2 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 2.15 | 2.05 | 1.94 | 1.96 | 1.65 | |||||||||
| Market Share in Net Profit | % | 5.23 | 2.36 | -6.46 | -1.26 | 0.809 | |||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | 2.97 | 3.01 | 3.04 | 3.16 | 3.21 | |||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | 6.07 | ... | ... | ... | ... |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||||||
| Cash | EUR mil | 174 | 185 | 193 | 193 | 242 | |||||||||
| Interbank Loans | EUR mil | 1,856 | 2,025 | 1,876 | 1,846 | 1,960 | |||||||||
| Customer Loans | EUR mil | 10,036 | 9,919 | 9,783 | 9,934 | 9,966 | |||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | 3,560 | 3,486 | 3,472 | 4,528 | 4,605 | |||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | ... | 6,573 | 6,539 | 6,462 | 5,469 | 5,428 | |||
| Debt Securities | EUR mil | 1,512 | 1,692 | 1,678 | 1,704 | 1,583 | |||||||||
| Fixed Assets | EUR mil | 114 | 106 | 103 | 104 | 107 | |||||||||
| Total Assets | EUR mil | 14,291 | 14,573 | 14,237 | 14,449 | 14,418 | |||||||||
| Shareholders' Equity | EUR mil | 865 | 1,034 | 1,056 | 1,162 | 1,197 | |||||||||
| Of Which Minority Interest | EUR mil | 6.30 | 6.90 | 1.90 | 2.50 | 3.00 | |||||||||
| Liabilities | EUR mil | 13,426 | 13,539 | 13,181 | 13,287 | 13,221 | |||||||||
| Interbank Borrowing | EUR mil | 2,566 | 2,425 | 2,078 | 2,166 | 1,783 | |||||||||
| Customer Deposits | EUR mil | 8,290 | 8,381 | 8,499 | 8,809 | 9,210 | |||||||||
| Issued Debt Securities | EUR mil | 2,124 | 2,292 | 2,275 | 1,911 | 1,865 | |||||||||
| Other Liabilities | EUR mil | 446 | 441 | 329 | 402 | 363 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | ... | ... | ... | 820 | 772 | 765 | 677 | 597 | |||
| Gross Loans | EUR mil | ... | ... | 10,496 | 10,357 | 10,227 | 10,366 | 10,339 | |||||||
| Total Provisions | EUR mil | ... | ... | 460 | 438 | 444 | 432 | 373 | |||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 0.647 | -1.16 | -1.37 | 1.54 | 0.321 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 0.522 | -2.06 | -0.416 | 30.4 | 1.71 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | 0.887 | -0.516 | -1.18 | -15.4 | -0.741 | ||
| Total Asset Growth | % | ... | 1.51 | 1.97 | -2.30 | 1.49 | -0.212 | ||||||||
| Shareholders' Equity Growth | % | ... | 2.16 | 19.5 | 2.12 | 9.98 | 3.07 | ||||||||
| Customer Deposit Growth | % | ... | 0.822 | 1.10 | 1.41 | 3.64 | 4.55 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 2.25 | 2.25 | 2.26 | 2.33 | 2.32 | |||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | 4.80 | 4.74 | 4.70 | 4.12 | 4.09 | |||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | 2.70 | 2.63 | 2.61 | 3.34 | 3.25 | |||
| Market Share in Total Assets | % | 1.41 | 1.48 | 1.54 | 1.61 | 1.68 | |||||||||
| Market Share in Customer Deposits | % | 2.38 | 2.37 | 2.34 | 2.36 | 2.39 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||||||
| ROE | % | 7.30 | 7.99 | 5.78 | 7.58 | 2.55 | |||||||||
| ROA | % | 0.441 | 0.526 | 0.419 | 0.586 | 0.209 | |||||||||
| Costs (As % Of Assets) | % | 1.56 | 1.54 | 1.50 | 1.55 | 1.56 | |||||||||
| Costs (As % Of Income) | % | 53.5 | 56.5 | 59.1 | 56.6 | 65.5 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 13.8 | 14.0 | 14.6 | 14.2 | 15.6 | |||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 12.3 | 12.1 | 12.6 | 12.4 | 13.7 | |||
| Net Interest Margin | % | 1.86 | 1.72 | 1.67 | 1.74 | 1.73 | |||||||||
| Interest Spread | % | ... | 1.77 | 1.64 | 1.59 | 1.68 | 1.68 | ||||||||
| Asset Yield | % | 3.17 | 2.98 | 2.59 | 2.54 | 2.31 | |||||||||
| Cost Of Liabilities | % | ... | 1.40 | 1.35 | 0.993 | 0.857 | 0.639 | ||||||||
| Interest Income (As % Of Revenues) | % | 63.7 | 63.4 | 65.5 | 63.9 | 72.7 | |||||||||
| Fee Income (As % Of Revenues) | % | 24.0 | 25.9 | 29.3 | 29.4 | 35.6 | |||||||||
| Other Income (As % Of Revenues) | % | 12.3 | 10.7 | 5.18 | 6.74 | -8.30 | |||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | 7,477 | 6,917 | 7,135 | 6,843 | 6,076 | |||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | ... | ... | ... | 5,377 | 5,388 | 5,375 | 5,309 | 5,300 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 67.6 | 68.0 | 68.7 | 67.2 | 66.5 | |||||
| Equity (As % Of Assets) | % | 6.05 | 7.10 | 7.42 | 8.04 | 8.30 | |||||||||
| Loans (As % Of Deposits) | % | 121 | 118 | 115 | 113 | 108 | |||||||||
| Loans (As % Assets) | % | 70.2 | 68.1 | 68.7 | 68.8 | 69.1 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | 7.82 | 7.45 | 7.48 | 6.53 | 5.77 | |||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | 56.1 | 56.7 | 58.1 | 63.8 | 62.5 | |||
| Provisions (As % Of Loans) | % | ... | ... | 4.59 | 4.41 | 4.54 | 4.35 | 3.74 | |||||||
| Cost of Provisions (As % Of Loans) | % | 0.639 | 0.566 | 0.735 | 0.456 | 0.239 |
Get all company financials in excel:
By Helgi Library - June 13, 2018
Steiermarkische Sparkasse's non-performing loans reached 4.29% of total loans at the end of 2017, down from 4.67% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.24% in 2010 and an all time low of 4.29% in 2017. Provisio...
By Helgi Library - September 30, 2018
Steiermarkische Sparkasse's customer deposits reached EUR 10,739 mil in 2017, up 10.4% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Steiermarkische Spark...
By Helgi Library - September 30, 2018
Steiermarkische Sparkasse's customer deposits reached EUR 10,739 mil in 2017, up 10.4% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Steiermarkische Spark...
By Helgi Library - June 12, 2018
Steiermarkische Sparkasse's capital adequacy ratio reached 20.3% at the end of 2017, up from 19.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.3% in 2017 and an all time low of 13.8% in 2011. The Tier 1 rat...
By Helgi Library - June 12, 2018
Steiermarkische Sparkasse's capital adequacy ratio reached 20.3% at the end of 2017, up from 19.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 20.3% in 2017 and an all time low of 13.8% in 2011. The Tier 1 rat...
By Helgi Library - September 30, 2018
Steiermarkische Sparkasse's customer loans reached EUR 10,521 mil in 2017, up 3.79% 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. Steiermarkische Sparkasse ac...
By Helgi Library - September 30, 2018
Steiermarkische Sparkasse's customer loans reached EUR 10,521 mil in 2017, up 3.79% 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. Steiermarkische Sparkasse ac...
By Helgi Library - September 30, 2018
Steiermarkische Sparkasse generated total banking revenues of EUR 434 mil in 2017, down 1.88% 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 ...
By Helgi Library - September 30, 2018
Steiermarkische Sparkasse generated total banking revenues of EUR 434 mil in 2017, down 1.88% 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 ...
By Helgi Library - June 13, 2018
Steiermarkische Sparkasse's net interest margin amounted to 1.65% in 2017, down from 1.67% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.15% in 2006 and an all time low of 1.65% in 2017. The av...
Steiermarkische Sparkasse has been growing its revenues and asset by 2.02% and 0.589% a year on average in the last 5 years. Its loans and deposits have grown by 1.18% and 5.08% a year during that time and loans to deposits ratio reached 98.0% at the end of 2017. The company achieved an average return on equity of 8.15% in the last five years with net profit growing 17.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 56.1% in 2017, compared to 58.4% average in the last five years.
Equity represented 10.3% of total assets or 14.7% of loans at the end of 2017. Steiermarkische Sparkasse's non-performing loans were 4.29% of total loans while provisions covered some 59.2% of NPLs at the end of 2017.
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