By Helgi Library - September 30, 2023
SAB Finance made a net profit of CZK 217 mil under revenues of CZK 480 mil in 2022, up 34.1% and 35.2% respectively compared to the p...
By Helgi Library - September 30, 2023
SAB Finance generated total banking revenues of CZK 480 mil in 2022, up 35.2% compared to the previous year. Czech banking...
By Helgi Library - September 30, 2023
SAB Finance's net interest margin amounted to -0.815% in 2022, down from -0.214% compared to the previous year. Historical...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | -6.79 | -4.42 | -20.2 |
| Net Fee Income | CZK mil | -12.0 | -11.9 | -27.5 |
| Other Income | CZK mil | 292 | 371 | 528 |
| Total Revenues | CZK mil | 273 | 355 | 480 |
| Staff Cost | CZK mil | 89.7 | 114 | 150 |
| Operating Profit | CZK mil | 142 | 200 | 268 |
| Provisions | CZK mil | -1.98 | 0.186 | 0.063 |
| Net Profit | CZK mil | 117 | 161 | 217 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 261 | 149 | 169 |
| Customer Loans | CZK mil | 580 | 514 | 582 |
| Investments | CZK mil | 965 | 965 | 965 |
| Total Assets | CZK mil | 1,967 | 2,156 | 2,796 |
| Shareholders' Equity | CZK mil | 1,223 | 1,216 | 1,223 |
| Interbank Borrowing | CZK mil | 85.3 | 229 | 242 |
| Customer Deposits | CZK mil | 585 | 562 | 826 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 11.4 | 13.2 | 17.8 |
| ROA | % | 6.91 | 7.83 | 8.75 |
| Costs (As % Of Assets) | % | 7.76 | 7.51 | 8.55 |
| Costs (As % Of Income) | % | 47.9 | 43.6 | 44.1 |
| Net Interest Margin | % | -0.402 | -0.214 | -0.815 |
| Loans (As % Of Deposits) | % | 99.1 | 91.5 | 70.4 |
| NPLs (As % Of Loans) | % | 0 | 0 | 0 |
| Valuation | 2020 | 2021 | 2022 | |
| Market Capitalisation | USD mil | 127 | 124 | 124 |
| Number Of Shares | mil | 2.58 | 2.58 | 2.58 |
| Share Price | CZK | 1,056 | 1,060 | 1,060 |
| Price/Earnings (P/E) | 23.3 | 16.9 | 12.6 | |
| Price/Book Value (P/BV) | 2.23 | 2.25 | 2.23 | |
| Dividend Yield | % | 3.67 | 6.16 | 7.66 |
| Earnings Per Share (EPS) | CZK | 45.3 | 62.7 | 84.1 |
| Book Value Per Share | CZK | 474 | 472 | 475 |
| Dividend Per Share | CZK | 38.8 | 65.3 | 81.2 |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -1.05 | -0.502 | 4.47 | 0.906 | -6.79 | |||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 116 | 168 | 214 | 219 | 273 | |||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 41.3 | 67.7 | 87.6 | 81.5 | 142 | |||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.8 | 54.8 | 71.2 | 73.7 | 117 | |||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 264 | 275 | 339 | 210 | 261 | |||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Investments | CZK mil | ... | ... | ... | ... | ... | ... | ... | 35.5 | 30.1 | 376 | 395 | 965 | |||||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,116 | 1,776 | 1,728 | 1,409 | 1,967 | |||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 247 | 505 | 743 | 817 | 1,223 | |||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 66.5 | 19.6 | 61.9 | 202 | 85.3 | |||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 796 | 1,232 | 904 | 363 | 585 | |||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| ratios | ||||||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 14.6 | 11.4 | 9.45 | 11.4 | ||||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | 3.77 | 3.79 | 4.06 | 4.70 | 6.91 | ||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | 8.62 | 6.95 | 7.21 | 8.77 | 7.76 | ||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 64.4 | 59.7 | 59.0 | 62.8 | 47.9 | |||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.121 | -0.035 | 0.255 | 0.058 | -0.402 | ||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -0.905 | -0.298 | 2.09 | 0.414 | -2.48 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -10.8 | -8.37 | -6.51 | -6.58 | -4.39 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 65.6 | 63.8 | 69.0 | 64.4 | 68.4 | |||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 22.1 | 28.4 | 43.0 | 57.9 | 62.1 | |||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 101 | 114 | 103 | 183 | 99.1 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | 71.8 | 79.3 | 54.0 | 47.3 | 29.5 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| valuation | ||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 127 | ||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.85 | 2.58 | ||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,056 | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 39.9 | 45.3 | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 442 | 474 | ||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37.9 | 38.8 | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.3 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.23 | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.67 | ||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.6 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -115 | -52.2 | -992 | -79.7 | 7.31 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4.24 | 2.03 | 8.02 | 9.03 | 3.04 | |||||||
| Interest Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 5.29 | 2.53 | 3.55 | 8.12 | 9.83 | |||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -1.05 | -0.502 | 4.47 | 0.906 | -6.79 | |||||||
| Net Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | -12.5 | -14.1 | -13.9 | -14.4 | -12.0 | |||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.59 | 2.78 | 2.77 | 2.49 | 2.05 | |||||||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | 15.1 | 16.8 | 16.7 | 16.9 | 14.0 | |||||||
| Other Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 130 | 183 | 223 | 233 | 292 | |||||||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 116 | 168 | 214 | 219 | 273 | |||||||
| Staff Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 49.1 | 64.1 | 87.2 | 88.5 | 89.7 | |||||||
| Depreciation | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6.82 | 1.38 | 1.82 | 5.18 | 6.73 | |||||||
| Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 18.9 | 35.0 | 37.3 | 43.8 | 34.6 | |||||||
| Operating Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 74.8 | 101 | 126 | 138 | 131 | |||||||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 41.3 | 67.7 | 87.6 | 81.5 | 142 | |||||||
| Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | -1.43 | 0 | -0.433 | 0.112 | -1.98 | |||||||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0.123 | -9.64 | 0.194 | |||||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 42.8 | 67.7 | 88.0 | 91.0 | 144 | |||||||
| Tax | CZK mil | ... | ... | ... | ... | ... | ... | ... | 9.80 | 12.9 | 16.8 | 17.3 | 27.4 | |||||||
| Minorities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Net Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.8 | 54.8 | 71.2 | 73.7 | 117 | |||||||
| Net Profit Avail. to Common | CZK mil | ... | ... | ... | ... | ... | ... | ... | 32.8 | 54.8 | 71.2 | 73.7 | 117 | |||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | 31.1 | 52.1 | 67.6 | 70.0 | 100 | |||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -115 | -52.2 | -992 | -79.7 | -849 | ||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -6.59 | 12.5 | -1.05 | 3.49 | -16.8 | |||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -14.9 | 44.8 | 27.1 | 2.39 | 24.8 | ||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -13.6 | 34.4 | 25.6 | 8.92 | -4.70 | ||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -17.0 | 63.8 | 29.4 | -7.00 | 74.6 | ||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -14.1 | 58.3 | 29.9 | 3.50 | 58.3 | ||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -12.0 | 67.3 | 29.8 | 3.51 | 58.5 | ||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | 0.064 | 0.094 | 0.112 | 0.108 | 0.152 | |||||||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | 0.045 | 0.074 | 0.089 | 0.082 | 0.253 | |||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | ... | ... | 0.122 | 0.124 | 0.143 | 0.163 | 0.162 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | ||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 264 | 275 | 339 | 210 | 261 | |||||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Investments | CZK mil | ... | ... | ... | ... | ... | ... | ... | 35.5 | 30.1 | 376 | 395 | 965 | |||||||
| Property and Equipment | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1.13 | 26.6 | 26.9 | 31.3 | 5.45 | |||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.77 | 3.07 | 10.5 | 17.6 | 21.8 | |||||||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,116 | 1,776 | 1,728 | 1,409 | 1,967 | |||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 247 | 505 | 743 | 817 | 1,223 | |||||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 869 | 1,271 | 985 | 593 | 745 | |||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | ... | ... | 66.5 | 19.6 | 61.9 | 202 | 85.3 | |||||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 796 | 1,232 | 904 | 363 | 585 | |||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 796 | 1,232 | 904 | 363 | 585 | |||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 776 | 1,148 | 888 | 360 | 573 | |||||||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | 20.0 | 84.0 | 15.5 | 3.52 | 12.7 | |||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6.47 | 19.6 | 19.3 | 27.6 | 74.2 | |||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 801 | 1,409 | 933 | 666 | 580 | |||||||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 64.2 | 75.9 | -33.8 | -28.6 | -12.9 | ||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 64.2 | 75.9 | -33.8 | -28.6 | -12.9 | ||||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 79.7 | 59.2 | -2.70 | -18.5 | 39.6 | ||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -1.05 | 104 | 47.1 | 9.92 | 49.7 | ||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 291 | 54.8 | -26.6 | -59.8 | 61.2 | ||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 291 | 54.8 | -26.6 | -59.8 | 61.2 | ||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.027 | 0.046 | 0.028 | 0.019 | 0.016 | |||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.082 | 0.138 | 0.086 | 0.059 | 0.052 | |||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | ... | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | 0.019 | 0.025 | 0.024 | 0.019 | 0.025 | |||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0.021 | 0.030 | 0.020 | 0.008 | 0.011 | |||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | 0.087 | 0.124 | 0.087 | 0.033 | 0.048 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 14.6 | 11.4 | 9.45 | 11.4 | ||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | 13.4 | 14.7 | 11.5 | 9.62 | 11.7 | ||||||
| ROA | % | ... | ... | ... | ... | ... | ... | ... | ... | 3.77 | 3.79 | 4.06 | 4.70 | 6.91 | ||||||
| Return on Loans | % | ... | ... | ... | ... | ... | ... | ... | 5.08 | 4.96 | 6.08 | 9.22 | 18.7 | |||||||
| operating profit (as % of rwa) | ||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | ... | 8.62 | 6.95 | 7.21 | 8.77 | 7.76 | ||||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 64.4 | 59.7 | 59.0 | 62.8 | 47.9 | |||||||
| Costs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 11.6 | 9.10 | 10.8 | 17.2 | 21.0 | ||||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | 6.54 | 4.74 | 5.64 | 9.60 | 11.9 | ||||||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.121 | -0.035 | 0.255 | 0.058 | -0.402 | ||||||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.365 | -0.096 | 0.143 | -0.454 | -1.29 | ||||||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.488 | 0.140 | 0.458 | 0.575 | 0.180 | ||||||
| revenues (as % of rwa) | ||||||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.853 | 0.236 | 0.314 | 1.03 | 1.47 | ||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | 95.0 | 95.0 | 95.0 | 95.0 | 85.7 | |||||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -0.905 | -0.298 | 2.09 | 0.414 | -2.48 | |||||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | -10.8 | -8.37 | -6.51 | -6.58 | -4.39 | |||||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 112 | 109 | 104 | 106 | 107 | |||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 65.6 | 63.8 | 69.0 | 64.4 | 68.4 | |||||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 22.1 | 28.4 | 43.0 | 57.9 | 62.1 | |||||||
| Equity (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 30.8 | 35.8 | 79.6 | 123 | 211 | |||||||
| Loans (As % Of Deposits) | % | ... | ... | ... | ... | ... | ... | ... | 101 | 114 | 103 | 183 | 99.1 | |||||||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | ... | ... | 71.8 | 79.3 | 54.0 | 47.3 | 29.5 | |||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | -0.222 | 0 | -0.037 | 0.014 | -0.317 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Employees | ... | ... | ... | ... | ... | ... | ... | 50.0 | 52.0 | 60.0 | 68.0 | 66.0 | ||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 3,242 | 4,380 | 5,533 | 4,811 | 5,145 | |||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | ... | ... | 81,791 | 102,771 | 121,057 | 108,459 | 113,207 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | 0.015 | 0.016 | 0.017 | 0.018 | 0.020 | ||||||||||||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 136,082 | ||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 7,744 | 10,438 | 12,562 | 12,212 | 13,669 | |||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 2,184 | 3,401 | 4,180 | 4,107 | 5,836 | |||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 53,406 | 87,403 | 54,781 | 37,134 | 28,996 | |||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | 53,050 | 76,429 | 53,086 | 20,252 | 29,267 | |||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,363 | ||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 307 | 445 | 574 | 542 | 621 | |||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 86.6 | 145 | 191 | 182 | 265 | |||||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 2,083 | 4,105 | 2,438 | 1,642 | 1,356 | |||||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | 2,069 | 3,590 | 2,363 | 895 | 1,368 | |||||||
| Client Transactions Turnover | CZK mil | 159,900 | 219,300 | 250,100 | 280,900 | ... | ... | ... | ||||||||||||
| Transactions Turnover per Client | CZK mil | 10.7 | 13.6 | 14.7 | 15.7 | ... | ... | ... | ||||||||||||
| Margin on Client Transactions | % | ... | ... | ... | ... | ... | ... | ... | 0.081 | 0.083 | 0.089 | 0.083 | ... | ... | ... |
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By Helgi Library - September 30, 2023
SAB Finance generated total banking revenues of CZK 480 mil in 2022, up 35.2% 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 CZK 480 mil in 2022 and an all t...
By Helgi Library - September 30, 2023
SAB Finance's customer loans reached CZK 582 mil in 2022, up 13.1% compared to the previous year. Czech banking sector provided customer loans of CZK 4,072 in 2022, up 5.82% when compared to the last year. SAB Finance accounted for 0.014% of all customer ...
By Helgi Library - September 30, 2023
SAB Finance's customer deposits reached CZK 826 mil in 2022, up 47.1% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,859 bil in 2022, up 6.48% when compared to the last year. SAB Finance accounted for 0.014% of all...
By Helgi Library - September 30, 2023
SAB Finance's retail deposits reached CZK 0 mil in 2022, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,396 bil in 2022, up 4.04% when compared to the last year. SAB Finance accounted for 0% of all retail dep...
By Helgi Library - September 30, 2023
SAB Finance's corporate loans reached CZK 582 mil in 2022, up 13.1% compared to the previous year. Czech banking sector provided corporate loans of CZK 1,237 bil in 2022, up 4.11% when compared to the last year. SAB Finance accounted for 0.047% of all cor...
By Helgi Library - September 30, 2023
SAB Finance's corporate deposits reached CZK 826 mil in 2022, up 47.1% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,367 bil in 2022, up 4.44% when compared to the last year. SAB Finance accounted for 0.060% of a...
By Helgi Library - September 30, 2023
SAB Finance's corporate loans reached CZK 582 mil in 2022, up 13.1% compared to the previous year. Czech banking sector provided corporate loans of CZK 1,237 bil in 2022, up 4.11% when compared to the last year. SAB Finance accounted for 0.047% of all cor...
By Helgi Library - September 30, 2023
SAB Finance's customer loan growth reached 13.1% in 2022, up from -11.4% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 399% in 2013 and an all time low of -33.8% in 2018. In the last decade, the average a...
SAB Finance 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 2022. 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 2022, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2022. SAB Finance's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2022.
SAB Finance stock traded at per share at the end of 2022 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 2022.
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