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Wustenrot Stavebna Sporitelna

WSS's mortgage loans rose 33.7% to EUR 252 mil in 2017

By Helgi Library - December 12, 2019

Wustenrot Stavebna Sporitelna's mortgage loans reached EUR 252 mil in 2017, up 33.7% compared to the previous year. Slovak bank...

WSS's mortgage loans rose 33.7% to EUR 252 mil in 2017

By Helgi Library - December 12, 2019

Wustenrot Stavebna Sporitelna's mortgage loans reached EUR 252 mil in 2017, up 33.7% compared to the previous year. Slovak bank...

WSS's customer loans rose 27.8% to EUR 300 mil in 2017

By Helgi Library - December 12, 2019

Wustenrot Stavebna Sporitelna's customer loans reached EUR 300 mil in 2017, up 27.8% compared to the previous year. Slovak bank...

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Annual Quarterly LTM

Profit Statement		2015	2016	2017
Net Interest Income	EUR mil	9.76	9.25	9.10
Net Fee Income	EUR mil	2.36	2.54	2.93
Other Income	EUR mil	0	-0.908	-0.486
Total Revenues	EUR mil	12.1	10.9	11.5
Staff Cost	EUR mil	3.51	3.64	3.53
Operating Profit	EUR mil	4.85	3.41	4.36
Provisions	EUR mil	1.70	1.96	2.33
Net Profit	EUR mil	1.50	0.917	1.42

Balance Sheet		2015	2016	2017
Interbank Loans	EUR mil	0	2.02	0
Customer Loans	EUR mil	217	235	300
Total Assets	EUR mil	391	402	420
Shareholders' Equity	EUR mil	39.5	39.9	40.8
Interbank Borrowing	EUR mil	0	0	0
Customer Deposits	EUR mil	348	359	376
Issued Debt Securities	EUR mil	0	0	0

Ratios		2015	2016	2017
ROE	%	3.74	2.31	3.51
ROA	%	0.387	0.231	0.345
Costs (As % Of Assets)	%	1.88	1.89	1.75
Costs (As % Of Income)	%	60.0	68.7	62.3
Capital Adequacy Ratio	%	18.5	17.8	17.4
Net Interest Margin	%	2.52	2.33	2.22
Loans (As % Of Deposits)	%	62.5	65.4	79.8
NPLs (As % Of Loans)	%	6.24	6.25	4.85
Provisions (As % Of NPLs)	%	60.1	61.5	66.7

Growth Rates		2015	2016	2017
Total Revenue Growth	%	4.99	-10.2	6.05
Operating Cost Growth	%	-20.4	2.81	-3.83
Operating Profit Growth	%	101	-29.7	27.7
Net Profit Growth	%	30.7	-38.7	54.5
Customer Loan Growth	%	9.11	8.03	27.8
Total Asset Growth	%	2.03	2.82	4.42
Customer Deposit Growth	%	2.62	3.15	4.74
Shareholders' Equity Growth	%	-2.79	1.16	2.17
Employees		263	263	257

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summary	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	EUR mil											9.36	8.75	8.28	9.02	9.76
Total Revenues	EUR mil											12.6	11.4	11.0	11.5	12.1
Operating Profit	EUR mil											3.86	2.66	1.92	2.42	4.85
Net Profit	EUR mil											2.08	2.02	0.855	1.15	1.50
balance sheet
Interbank Loans	EUR mil											53.8	27.1	10.0	0	0
Customer Loans	EUR mil											174	174	183	199	217
Debt Securities	EUR mil											110	151	163	165	156
Total Assets	EUR mil											351	375	386	383	391
Shareholders' Equity	EUR mil											40.2	42.7	40.6	40.6	39.5
Interbank Borrowing	EUR mil											0	0	0	0.006	0
Customer Deposits	EUR mil											308	329	343	339	348
Issued Debt Securities	EUR mil											0	0	0	0	0
ratios
ROE	%											5.04	4.86	2.05	2.82	3.74
ROA	%											0.622	0.556	0.225	0.298	0.387
Costs (As % Of Assets)	%											2.62	2.40	2.38	2.37	1.88
Costs (As % Of Income)	%											69.4	76.6	82.5	79.1	60.0
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	18.9	17.1	16.7	18.1	18.5
Net Interest Margin	%											2.80	2.41	2.18	2.34	2.52
Interest Income (As % Of Revenues)	%											74.1	76.9	75.5	78.1	80.5
Fee Income (As % Of Revenues)	%											23.4	20.3	22.0	19.5	19.5
Staff Cost (As % Of Total Cost)	%											32.7	36.0	38.4	40.1	48.2
Equity (As % Of Assets)	%											11.4	11.4	10.5	10.6	10.1
Loans (As % Of Deposits)	%											56.5	52.9	53.3	58.7	62.5
Loans (As % Assets)	%											49.6	46.5	47.3	52.0	55.6
NPLs (As % Of Loans)	%											5.44	5.55	5.87	6.08	6.24
Provisions (As % Of NPLs)	%											62.2	65.3	64.1	56.3	60.1
valuation
Book Value Per Share Growth	%	...										4.86	-6.44	-5.40	8.94	8.18

income statement	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	EUR mil											15.9	15.9	15.6	15.6	15.3
Interest Cost	EUR mil											6.57	7.18	7.35	6.57	5.59
Net Interest Income	EUR mil											9.36	8.75	8.28	9.02	9.76
Net Fee Income	EUR mil											2.96	2.31	2.41	2.26	2.36
Other Income	EUR mil											0.307	0.324	0.281	0.271	0
Total Revenues	EUR mil											12.6	11.4	11.0	11.5	12.1
Staff Cost	EUR mil											2.86	3.14	3.48	3.66	3.51
Depreciation	EUR mil											0.651	0.577	0.504	0.577	0.664
Other Cost	EUR mil											5.25	5.00	5.07	4.89	3.10
Operating Cost	EUR mil											8.76	8.72	9.05	9.13	7.27
Operating Profit	EUR mil											3.86	2.66	1.92	2.42	4.85
Provisions	EUR mil											1.20	0.489	0.610	0.767	1.70
Extra and Other Cost	EUR mil											0	0	-0.018	0	1.04
Pre-Tax Profit	EUR mil											2.66	2.18	1.33	1.65	2.11
Tax	EUR mil											0.580	0.159	0.475	0.505	0.613
Minorities	EUR mil											0	0	0	0	0
Net Profit	EUR mil											2.08	2.02	0.855	1.15	1.50
growth rates
Net Interest Income Growth	%	...										4.86	-6.44	-5.40	8.94	8.18
Net Fee Income Growth	%	...										-0.971	-21.9	4.46	-6.55	4.83
Total Revenue Growth	%	...										3.05	-9.78	-3.63	5.21	4.99
Operating Cost Growth	%	...										6.35	-0.456	3.77	0.851	-20.4
Operating Profit Growth	%	...										-3.72	-30.9	-27.9	25.8	101
Pre-Tax Profit Growth	%	...										-26.2	-18.2	-38.9	24.1	27.9
Net Profit Growth	%	...										-26.4	-3.03	-57.6	33.9	30.7
market share
Market Share in Revenues	%											0.516	0.543	0.473	0.469	0.532
Market Share in Net Profit	%											0.308	0.420	0.156	0.204	0.247
Market Share in Employees	%											0.862	1.20	1.30	1.40	1.39

balance sheet	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
balance sheet
Cash	EUR mil											2.32	12.0	18.6	7.96	6.33
Interbank Loans	EUR mil											53.8	27.1	10.0	0	0
Customer Loans	EUR mil											174	174	183	199	217
Retail Loans	EUR mil											141	136	144	161	172
Mortgage Loans	EUR mil											141	136	144	161	172
Consumer Loans	EUR mil											0	0	0	0	0
Corporate Loans	EUR mil											33.3	38.4	39.0	43.2	44.9
Debt Securities	EUR mil											110	151	163	165	156
Fixed Assets	EUR mil											9.12	9.19	9.35	8.11	6.94
Total Assets	EUR mil											351	375	386	383	391
Shareholders' Equity	EUR mil											40.2	42.7	40.6	40.6	39.5
Of Which Minority Interest	EUR mil											0	0	0	0	0
Liabilities	EUR mil											311	332	346	343	351
Interbank Borrowing	EUR mil											0	0	0	0.006	0
Customer Deposits	EUR mil											308	329	343	339	348
Retail Deposits	EUR mil											295	317	330	325	335
Corporate Deposits	EUR mil											9.20	7.88	8.58	10.2	8.89
Issued Debt Securities	EUR mil											0	0	0	0	0
Other Liabilities	EUR mil											2.96	3.02	3.04	3.44	3.48
asset quality
Non-Performing Loans	EUR mil											9.81	10.0	11.1	12.5	14.1
Gross Loans	EUR mil											180	181	190	206	226
Total Provisions	EUR mil											6.10	6.55	7.14	7.07	8.46
growth rates
Customer Loan Growth	%	...										-1.20	0	4.98	8.98	9.11
Retail Loan Growth	%	...										-6.78	-3.65	5.98	11.9	7.15
Mortgage Loan Growth	%	...										-6.78	-3.65	5.98	11.9	7.15
Corporate Loan Growth	%	...										32.3	15.4	1.47	10.7	3.93
Total Asset Growth	%	...										10.7	6.66	3.11	-0.798	2.03
Shareholders' Equity Growth	%	...										-4.91	6.21	-4.94	0.022	-2.79
Customer Deposit Growth	%	...										13.2	6.77	4.17	-1.02	2.62
Retail Deposit Growth	%	...	...	...	...							11.9	7.34	4.17	-1.48	3.06
Corporate Deposit Growth	%	...	...	...	...							57.1	-14.4	8.91	18.8	-12.8
market share
Market Share in Customer Loans	%											0.478	0.469	0.466	0.477	0.478
Market Share in Corporate Loans	%											0.214	0.257	0.267	0.301	0.286
Market Share in Retail Loans	%											0	0	0	0	0
Market Share in Consumer Loans	%											0.819	0.723	0.700	0.698	0.666
Market Share in Mortgage Loans	%											1.14	0.991	0.940	0.927	0.875
Market Share in Total Assets	%											0.595	0.627	0.633	0.596	0.566
Market Share in Customer Deposits	%											0.768	0.776	0.773	0.736	0.690
Market Share in Retail Deposits	%											1.17	1.19	1.21	1.14	1.08
Market Share in Corporate Deposits	%	...	...									0.099	0.082	0.079	0.095	0.075

ratios	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%											5.04	4.86	2.05	2.82	3.74
ROA	%											0.622	0.556	0.225	0.298	0.387
Costs (As % Of Assets)	%											2.62	2.40	2.38	2.37	1.88
Costs (As % Of Income)	%											69.4	76.6	82.5	79.1	60.0
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	18.9	17.1	16.7	18.1	18.5
Tier 1 Ratio	%	...	...	...	...	...	...	...	...	...	...	18.4	16.1	16.1	18.1	18.5
Net Interest Margin	%											2.80	2.41	2.18	2.34	2.52
Interest Spread	%	...										2.52	2.16	1.94	2.14	2.35
Asset Yield	%											4.76	4.39	4.11	4.05	3.96
Cost Of Liabilities	%	...										2.24	2.23	2.17	1.91	1.61
Interest Income (As % Of Revenues)	%											74.1	76.9	75.5	78.1	80.5
Fee Income (As % Of Revenues)	%											23.4	20.3	22.0	19.5	19.5
Other Income (As % Of Revenues)	%											2.43	2.85	2.56	2.35	0
Cost Per Employee	USD per month											2,086	1,508	1,596	1,507	1,273
Cost Per Employee (Local Currency)	EUR per month											1,501	1,175	1,202	1,169	1,111
Staff Cost (As % Of Total Cost)	%											32.7	36.0	38.4	40.1	48.2
Equity (As % Of Assets)	%											11.4	11.4	10.5	10.6	10.1
Loans (As % Of Deposits)	%											56.5	52.9	53.3	58.7	62.5
Loans (As % Assets)	%											49.6	46.5	47.3	52.0	55.6
NPLs (As % Of Loans)	%											5.44	5.55	5.87	6.08	6.24
Provisions (As % Of NPLs)	%											62.2	65.3	64.1	56.3	60.1
Provisions (As % Of Loans)	%											3.50	3.76	3.91	3.55	3.89
Cost of Provisions (As % Of Loans)	%											0.685	0.281	0.342	0.402	0.818

other data	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Employees												159	223	241	261	263

Institutional Sign In

Wustenrot Stavebna Sporitelna

WSS's mortgage loans rose 33.7% to EUR 252 mil in 2017

WSS's mortgage loans rose 33.7% to EUR 252 mil in 2017

WSS's customer loans rose 27.8% to EUR 300 mil in 2017

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WSS's customer loans rose 27.8% to EUR 300 mil in 2017

WSS's customer deposits rose 4.74% to EUR 376 mil in 2017

WSS's customer deposits rose 4.74% to EUR 376 mil in 2017

WSS's net interest margin fell 5.02% to 2.22% in 2017

WSS's net interest margin fell 5.02% to 2.22% in 2017

WSS's retail deposits rose 4.77% to EUR 363 mil in 2017

WSS's retail deposits rose 4.77% to EUR 363 mil in 2017

WSS's corporate loans rose 3.35% to EUR 47.7 mil in 2017

WSS's corporate loans rose 3.35% to EUR 47.7 mil in 2017

WSS's corporate deposits rose 5.17% to EUR 9.30 mil in 2017

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