Erste & Steiermärkische Bank d.d.

Erste & Steiermärkische Bank d.d. is a universal bank, offering retail and corporate banking products and services to its customers.

Bank Category

Commercial banks

Financials

Total Assets (2017)
57 205.63 mln HRK  (+1.94%)
Annual Profit (2017)
649.50 mln HRK  (+3.67%)

Erste & Steiermärkische Bank d.d. is the 3rd largest bank in Croatia in terms of total assets. In 2017 its total assets were 57 205,63 mln HRK, providing the bank with the market share of 14.33%. In 2017 the bank's annual profit was 649,50 mln HRK.

Erste & Steiermärkische Bank d.d. participates in deposit guarantee scheme of Croatia. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Erste & Steiermärkische Bank d.d. is a member of Erste Group (Austria).

Contacts

Jadranski trg 3A, 51000, Rijeka, Croatia
+385 62 375-000
+385 62 376-000

Erste & Steiermärkische Bank d.d. is headquartered in Rijeka.

Bank Identifiers

BIC (SWIFT)
ESBCHR22
MFI ID
HR23057039320
Bank Sort Code
2402006

Financial Positions

Total Assets (2017)
57 205.63 mln HRK  (+1.94%)
Total Equity (2017)
7 141.87 mln HRK  (+6.14%)

In 2017 total assets of Erste & Steiermärkische Bank d.d. were 57 205.63 mln HRK. Growth compared to the previous period (2016) was 1.94%. The evolution of the total assets of Erste & Steiermärkische Bank d.d. is shown at Chart 1 below.

Total Assets of Erste & Steiermärkische Bank d.d..

Chart 1. Total Assets of Erste & Steiermärkische Bank d.d..

Recent changes in total assets of Erste & Steiermärkische Bank d.d. and its main components are shown in Table 1.

2016 2017 % change
Cash and deposits with Central Banks 1 101.0 1 366.0 +24.07%
Loans 38 181.9 37 661.5 -1.36%
Total Assets 56 118.7 57 205.6 +1.94%
Table 1. Recent changes in total assets of Erste & Steiermärkische Bank d.d. (mln HRK).

Recent changes in total liabilities of Erste & Steiermärkische Bank d.d. and its main components are shown in Table 2.

2016 2017 % change
Deposits 42 207.9 43 950.9 +4.13%
Total Liabilities 56 118.7 57 205.6 +1.94%
Table 2. Recent changes in total liabilities of Erste & Steiermärkische Bank d.d. (mln HRK).

Profit and Loss

Annual Profit (2017)
649.50 mln HRK  (+3.67%)

Recent changes in gross profit of Erste & Steiermärkische Bank d.d. and its main components are shown in Table 3.

2016 2017 % change
Interest Income 2 349.1 2 136.4 -9.06%
Interest Charges -763.9 -453.7 -40.60%
Net Interest Income 1 585.2 1 682.6 +6.14%
Commission Income 557.5 606.5 +8.81%
Commission Charges -151.9 -165.9 +9.18%
Net Commission Income 405.5 440.7 +8.67%
Table 3. Recent changes in gross profit of Erste & Steiermärkische Bank d.d. (mln HRK).

In 2017 annual profit of Erste & Steiermärkische Bank d.d. was 649.50 mln HRK. Growth compared to the previous period (2016) was 3.67%. The evolution of the annual profit of Erste & Steiermärkische Bank d.d. is shown at Chart 2 below.

Annual Profit of Erste & Steiermärkische Bank d.d..

Chart 2. Annual Profit of Erste & Steiermärkische Bank d.d..

Market Share and Rank (among banks in Croatia)

Total Assets (2017)
3rd (market share 14.33%)

In 2017 Erste & Steiermärkische Bank d.d. was ranked the 3rd largest bank in Croatia in terms of total assets, having 14.33% of the domestic market share.

Market share of Erste & Steiermärkische Bank d.d. (among banks in Croatia)

Chart 3. Market share of Erste & Steiermärkische Bank d.d. (among banks in Croatia)

Several banks having the market shares and ranks closest to Erste & Steiermärkische Bank d.d. are shown below.

RankNameTotal AssetsMarket Share
2 Privredna banka Zagreb d.d.75881.49 mln HRK19.01%
3 Erste & Steiermärkische Bank d.d.57205.63 mln HRK14.33%
4 Raiffeisenbank Austria d.d.31385.71 mln HRK7.86%
 

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Croatia are obliged to participate in Croatian deposit guarantee scheme.

In the case of Erste & Steiermärkische Bank d.d. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, small entrepreneurs and non-profit organisations
Covered Accounts  all deposits
Maximum Protected Amount  100 000 EUR
Paid In Currency  HRK

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of Erste & Steiermärkische Bank d.d. and its components are shown in the table below.

BIC  ESBCHR22
Bank BIC Code  ESBC
Country Code  HR (Croatia)
Location Code  22
Branch Code  -

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Erste & Steiermärkische Bank d.d. is shown in the table below.

MFI ID  HR23057039320

Bank Sort Code

Bank Sort Code is a code that uniquely identifies a financial institution within a country. Bank sort codes are usually assigned by National Central Banks and differ from BIC codes.

Bank Sort Code  2402006