| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 712 | 729 | 783 |
| Net Fee Income | EUR mil | 186 | 193 | 217 |
| Other Income | EUR mil | 75.0 | 59.1 | 137 |
| Total Revenues | EUR mil | 973 | 981 | 1,138 |
| Staff Cost | EUR mil | 238 | 268 | 326 |
| Operating Profit | EUR mil | 540 | 542 | 609 |
| Provisions | EUR mil | 45.8 | 42.7 | 61.8 |
| Net Profit | EUR mil | 394 | 474 | 467 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 1,710 | 1,635 | 3,660 |
| Customer Loans | EUR mil | 24,713 | 28,498 | 30,804 |
| Total Assets | EUR mil | 35,708 | 39,761 | 46,071 |
| Shareholders' Equity | EUR mil | 2,957 | 3,125 | 3,610 |
| Interbank Borrowing | EUR mil | 3,586 | 2,064 | 4,009 |
| Customer Deposits | EUR mil | 21,692 | 26,030 | 30,947 |
| Issued Debt Securities | EUR mil | 3,236 | 4,900 | 4,938 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 14.1 | 15.6 | 13.9 |
| ROA | % | 1.12 | 1.26 | 1.09 |
| Costs (As % Of Assets) | % | 1.23 | 1.16 | 1.23 |
| Costs (As % Of Income) | % | 44.5 | 44.8 | 46.5 |
| Capital Adequacy Ratio | % | 15.0 | 16.2 | ... |
| Net Interest Margin | % | 2.02 | 1.93 | 1.83 |
| Loans (As % Of Deposits) | % | 114 | 109 | 99.5 |
| NPLs (As % Of Loans) | % | 2.80 | 1.91 | 2.30 |
| Provisions (As % Of NPLs) | % | 22.7 | 37.5 | 38.6 |
| Valuation | 2015 | 2016 | 2017 | |
| Price/Earnings (P/E) | 11.3 | 9.37 | 9.53 | |
| Price/Book Value (P/BV) | 1.50 | 1.42 | 1.23 | |
| Earnings Per Share (EPS) | 3.94 | 4.74 | 4.67 | |
| Book Value Per Share | 29.6 | 31.3 | 36.1 | |
Get all company financials in excel:
| summary | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||
| Net Interest Income | EUR mil | ... | ... | 666 | 712 | ||
| Total Revenues | EUR mil | ... | ... | 909 | 973 | ||
| Operating Profit | EUR mil | ... | ... | 457 | 540 | ||
| Net Profit | EUR mil | ... | ... | 315 | 394 | ||
| balance sheet | |||||||
| Interbank Loans | EUR mil | ... | ... | 1,518 | 1,710 | ||
| Customer Loans | EUR mil | ... | ... | 21,779 | 24,713 | ||
| Debt Securities | EUR mil | ... | ... | 9,047 | 6,958 | ||
| Total Assets | EUR mil | ... | ... | 34,854 | 35,708 | ||
| Shareholders' Equity | EUR mil | ... | ... | 2,619 | 2,957 | ||
| Interbank Borrowing | EUR mil | ... | ... | 2,420 | 3,586 | ||
| Customer Deposits | EUR mil | ... | ... | 21,127 | 21,692 | ||
| Issued Debt Securities | EUR mil | ... | ... | 4,438 | 3,236 | ||
| ratios | |||||||
| ROE | % | ... | ... | 12.0 | 14.1 | ||
| ROA | % | ... | ... | 0.904 | 1.12 | ||
| Costs (As % Of Assets) | % | ... | ... | 1.30 | 1.23 | ||
| Costs (As % Of Income) | % | ... | ... | 49.7 | 44.5 | ||
| Capital Adequacy Ratio | % | ... | ... | 15.9 | 15.0 | ... | |
| Net Interest Margin | % | ... | ... | 1.91 | 2.02 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 73.2 | 73.2 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.8 | 19.1 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 55.0 | ||
| Equity (As % Of Assets) | % | ... | ... | 7.51 | 8.28 | ||
| Loans (As % Of Deposits) | % | ... | ... | 103 | 114 | ||
| Loans (As % Assets) | % | ... | ... | 62.5 | 69.2 | ||
| NPLs (As % Of Loans) | % | 5.47 | 4.14 | 3.26 | 2.80 | ||
| Provisions (As % Of NPLs) | % | ... | ... | 25.0 | 22.7 | ||
| valuation | |||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | 4,840 | ||
| Number Of Shares (Average) | mil | ... | ... | ... | 100 | ||
| Share Price (End Of Period) | ... | ... | ... | 44.5 | |||
| Earnings Per Share (EPS) | ... | ... | ... | 3.94 | |||
| Book Value Per Share | ... | ... | ... | 29.6 | |||
| Price/Earnings (P/E) | ... | ... | ... | 11.3 | |||
| Price/Book Value (P/BV) | ... | ... | ... | 1.50 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ||
| Book Value Per Share Growth | % | ... | ... | ... | 6.99 |
| income statement | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||
| Interest Income | EUR mil | ... | ... | 1,090 | 1,051 | ||
| Interest Cost | EUR mil | ... | ... | 424 | 339 | ||
| Net Interest Income | EUR mil | ... | ... | 666 | 712 | ||
| Net Fee Income | EUR mil | ... | ... | 198 | 186 | ||
| Other Income | EUR mil | ... | ... | 45.7 | 75.0 | ||
| Total Revenues | EUR mil | ... | ... | 909 | 973 | ||
| Staff Cost | EUR mil | ... | ... | ... | 238 | ||
| Depreciation | EUR mil | ... | ... | ... | 38.9 | ||
| Other Cost | EUR mil | ... | ... | ... | 156 | ||
| Operating Cost | EUR mil | ... | ... | 452 | 433 | ||
| Operating Profit | EUR mil | ... | ... | 457 | 540 | ||
| Provisions | EUR mil | ... | ... | 84.3 | 45.8 | ||
| Extra and Other Cost | EUR mil | ... | ... | 56.9 | 75.8 | ||
| Pre-Tax Profit | EUR mil | ... | ... | 316 | 419 | ||
| Tax | EUR mil | ... | ... | 0.500 | 24.1 | ||
| Minorities | EUR mil | ... | ... | 0.700 | 0 | ||
| Net Profit | EUR mil | ... | ... | 315 | 394 | ||
| growth rates | |||||||
| Net Interest Income Growth | % | ... | ... | ... | 6.99 | ||
| Net Fee Income Growth | % | ... | ... | ... | -6.02 | ||
| Total Revenue Growth | % | ... | ... | ... | 7.03 | ||
| Operating Cost Growth | % | ... | ... | ... | -4.16 | ||
| Operating Profit Growth | % | ... | ... | ... | 18.1 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | 32.4 | ||
| Net Profit Growth | % | ... | ... | ... | 25.2 |
| balance sheet | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||
| Cash | EUR mil | ... | ... | 684 | 809 | ||
| Interbank Loans | EUR mil | ... | ... | 1,518 | 1,710 | ||
| Customer Loans | EUR mil | ... | ... | 21,779 | 24,713 | ||
| Retail Loans | EUR mil | 6,966 | 6,964 | 7,402 | 10,464 | ||
| Mortgage Loans | EUR mil | 3,985 | 4,235 | 4,598 | 7,236 | ... | |
| Consumer Loans | EUR mil | 2,981 | 2,729 | 2,804 | 3,228 | ... | |
| Corporate Loans | EUR mil | ... | ... | 14,377 | 14,250 | ||
| Debt Securities | EUR mil | ... | ... | 9,047 | 6,958 | ||
| Fixed Assets | EUR mil | ... | ... | 139 | 117 | ||
| Total Assets | EUR mil | ... | ... | 34,854 | 35,708 | ||
| Shareholders' Equity | EUR mil | ... | ... | 2,619 | 2,957 | ||
| Of Which Minority Interest | EUR mil | ... | ... | 0 | 1.00 | ||
| Liabilities | EUR mil | ... | ... | 32,235 | 32,751 | ||
| Interbank Borrowing | EUR mil | ... | ... | 2,420 | 3,586 | ||
| Customer Deposits | EUR mil | ... | ... | 21,127 | 21,692 | ||
| Retail Deposits | EUR mil | ... | ... | 15,881 | 15,663 | ||
| Issued Debt Securities | EUR mil | ... | ... | 4,438 | 3,236 | ||
| Other Liabilities | EUR mil | ... | ... | 4,250 | 4,237 | ||
| asset quality | |||||||
| Non-Performing Loans | EUR mil | 1,253 | 886 | 717 | 696 | ||
| Gross Loans | EUR mil | 22,913 | 21,377 | 21,958 | 24,871 | ||
| Total Provisions | EUR mil | ... | ... | 179 | 158 | ||
| growth rates | |||||||
| Customer Loan Growth | % | ... | ... | ... | 13.5 | ||
| Retail Loan Growth | % | ... | -0.027 | 6.29 | 41.4 | ||
| Mortgage Loan Growth | % | ... | 6.28 | 8.57 | 57.4 | ... | |
| Consumer Loan Growth | % | ... | -8.45 | 2.74 | 15.1 | ... | |
| Corporate Loan Growth | % | ... | ... | ... | -0.888 | ||
| Total Asset Growth | % | ... | ... | ... | 2.45 | ||
| Shareholders' Equity Growth | % | ... | ... | ... | 12.9 | ||
| Customer Deposit Growth | % | ... | ... | ... | 2.67 | ||
| Retail Deposit Growth | % | ... | ... | ... | -1.37 |
| ratios | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||
| ROE | % | ... | ... | 12.0 | 14.1 | ||
| ROA | % | ... | ... | 0.904 | 1.12 | ||
| Costs (As % Of Assets) | % | ... | ... | 1.30 | 1.23 | ||
| Costs (As % Of Income) | % | ... | ... | 49.7 | 44.5 | ||
| Capital Adequacy Ratio | % | ... | ... | 15.9 | 15.0 | ... | |
| Tier 1 Ratio | % | ... | ... | 12.2 | 12.3 | ||
| Net Interest Margin | % | ... | ... | 1.91 | 2.02 | ||
| Interest Spread | % | ... | ... | ... | 1.94 | ||
| Asset Yield | % | ... | ... | 3.13 | 2.98 | ||
| Cost Of Liabilities | % | ... | ... | ... | 1.04 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | 73.2 | 73.2 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.8 | 19.1 | ||
| Other Income (As % Of Revenues) | % | ... | ... | 5.03 | 7.71 | ||
| Cost Per Employee | USD per month | ... | ... | ... | 8,695 | ||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | ... | 7,586 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 55.0 | ||
| Equity (As % Of Assets) | % | ... | ... | 7.51 | 8.28 | ||
| Loans (As % Of Deposits) | % | ... | ... | 103 | 114 | ||
| Loans (As % Assets) | % | ... | ... | 62.5 | 69.2 | ||
| NPLs (As % Of Loans) | % | 5.47 | 4.14 | 3.26 | 2.80 | ||
| Provisions (As % Of NPLs) | % | ... | ... | 25.0 | 22.7 | ||
| Provisions (As % Of Loans) | % | ... | ... | 0.822 | 0.640 | ||
| Cost of Provisions (As % Of Loans) | % | ... | ... | 0.387 | 0.197 |
| other data | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||
| Employees | ... | ... | 2,828 | 2,615 |
Get all company financials in excel:
BAWAG Group has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2017. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2017, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2017. BAWAG Group's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
BAWAG Group stock traded at per share at the end of 2017 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of % the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of x in 2017.
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