Investor Presentaiton
Operating trends: customer deposit stock & growth -
Strong deposit growth, loan/deposit ratio at 85.6%
Group
CZ
25
-8.3%
13.6%
191.1
10.2%
207.5
210.5
1.5%
42.1
7.9%
AT/EBO e
44.9
1.2%
45.4
56.6
7.9%
AT/SB
58.9
3.8%
61.1
5.8
AT/OA
8.3
7.6
41.9
49.3
-3.3%
47.7
13.3
13.3
9.9%
10.3%
14.6
14.9
SK
15.6
16.0
7.4
HU
7.8
8.7
8.0
HR
8.9
9.1
1.6
RS
1.7
1.9
PO
RO
St
-0.5
Other -1.0
-1.5
679
2.2%
7.4%
29.9%
•
.
17.4%
•
11.1%
14.1%
2.5%
16.7%
8.1%
Not meaningful
in EUR bn
YoY
31/12/20
QoQ
30/09/21
31/12/21
Yoy growth due to exceptional inflows of Retail
(+11.2%) as well as Corporate deposits (+14.1%);
Savings Banks also strong (+7.9%)
Qoq development driven by Retail (+2.8%) and
Savings Banks inflows (+3.8%), while Corporate
growth (+1.3%) decelerated
Year-on-year segment trends:
•
•
•
AT/OA: rising deposits in foreign branches (intragroup;
offset in Other seg) and in financial institutions business
HU: strong growth in Corporate and Retail deposits, on the
back of strong economic performance
RS: exceptional growth driven primarily by Retail inflows
Quarter-on-quarter segment trends:
•
AT/OA: decline due to lower deposit volumes in Group
Markets business line
CZ: seasonally lower Corporate and Group Markets
deposits offset by continued strong Retail inflows
HU: strong deposit inflow primarily due to large increase in
Corporate sight deposits
ERSTE
Group
Page 19View entire presentation