Investor Presentaiton
Executive summary
-
Group balance sheet performance
YTD total asset reconciliation (EUR m)
+10.8%
307,428
3
260
14,218
465-
6,362
9,657
277,394
YTD equity & total liability reconciliation (EUR m)
277,394
7,114
-151.
+10.8%
19,453
1,103 307,428
1,454
1,062
31/12/20 Cash Trading, Loans to Net loans Intangibles Miscella- 31/12/21
financial
assets
banks
neous
assets
31/12/20 Trading Bank Customer Debt Miscellaneous Equity 31/12/21
liabilities deposits deposits securities liabilities
•
.
Total assets grew on the back of a strong rise in net customer
loans (+8.6%), increased cash position (+26.9%) and higher
volume of trading and financial assets (+13.6%)
Increase in cash position and trading/financial assets mainly driven
by continued customer deposit inflows and increased TLTRO III
uptake (total stands at EUR 21.2bn at YE21)
ERSTEŚ
Group
.
•
Total liability growth driven by rising customer deposits (+10.2%)
and bank deposits (+28.7%)
Growing customer deposits drive loan/deposit ratio to 85.6%
(YE 20: 86.9%)
Increase in equity reflects strong profitability
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