Investor Presentaiton
Operating trends: net loan stock & growth -
Strong net loan growth in 2021
YoY
31/12/20
QoQ
30/09/21
31/12/21
Yoy growth strong and well balanced across all key
business lines: Retail (+9.3%) driven by housing
loans, Savings Banks (+6.9%), Corporates (+9.0%)
Qoq growth dynamics more pronounced in
Corporate (+3.1%) than in Retail (+2.5%); Savings
Banks strong at +1.8%
Year-on-year segment trends
•
166.1
•
8.6%
Group
175.9
2.5%
180.3
35.4
5.0%
AT/EBO e
36.8
1.0%
37.2
50.2
6.9%
AT/SB
52.8
1.8%
53.7
15.5
AT/OA
16.6
11.9%
4.1%
17.3
•
28.9
CZ
32.0
33.7
8.8
RO
9.4
9.7
14.9
SK
15.5
15.9
4.8
H
HU
I
16.7%
5.1%
9.5%
2.8%
6.7%
2.7%
•
5.3%
5.1
-1.2%
5.1
7.1
1.3%
HR
7.2
-0.4%
7.2
1.7
RS
1.8
1.8
∞ ∞
5.0%
-1.3
Other -1.3
-1.3
in EUR bn
8.6%
Not meaningful
•
CZ: strong demand supported by CZK appreciation
(+5.3%); in Retail growth entirely attributable to mortgages,
while Corporate growth balanced among SMEs and Large
Corporates
AT/OA: strong loan demand from large corporates
HR: muted growth in all business lines
Quarter-on-quarter segment trends
•
CZ: despite rate hikes continued strong demand for
housing loans
AT/OA: higher loan demand from Large Corporates
(Holding)
HU: decline entirely attributable to currency depreciation
(2.5%)
ERSTE
Group
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