Financial statements, ratios and prospectuses

Šiaulių bankas AB and the group's Financial Statements
Prudential standards
Profitability ratios

2019

2018

Additional information regarding the nature of capital and risk of Šiaulių Bankas AB

2017
Additional information regarding the nature of capital and risk of Šiaulių Bankas AB

2016
Additional information regarding the nature of capital and risk of Šiaulių Bankas AB

2015
Additional information regarding the nature of capital and risk of Šiaulių Bankas AB

2014
Additional information regarding the nature of capital and risk of Šiaulių Bankas AB

2013

Annual report of Šiaulių bankas AB and the bank’s Group for 2013
Interim financial report of Šiaulių bankas AB and the bank's Group for 4 quarters 2013

Financial statements of Šiaulių bankas AB and the bank's Group for 4 quarters 2013

Interim financial report of Šiaulių bankas AB and the bank's Group for 3 quarters 2013

Financial statements of Šiaulių bankas AB and the bank's Group for 3 quarters 2013

Interim financial report of Šiaulių bankas AB and the bank's Group for 2 quarters 2013

Financial statements of Šiaulių bankas AB and the bank's Group for 2 quarters 2013

Interim financial report Šiaulių bankas AB and the bank’s Group for 1 quarter 2013

Financial statements of Šiaulių bankas AB and the bank's Group for 1 quarter 2013

2012 

Annual report of Šiaulių bankas AB and the bank’s Group for 2012
Interim financial report of Šiaulių bankas AB and the bank's Group for 4 quarters 2012
Financial statements of Šiaulių bankas AB and the bank's Group for 4 quarter 2012
Interim financial report of Šiaulių bankas AB and the bank's Group for 3 quarters 2012 
Financial statements of Šiaulių bankas AB and the bank's Group for 3 quarters 2012 
Interim financial report of Šiaulių bankas AB and the bank's Group for 2 quarters 2012
Financial statements of Šiaulių bankas AB and the bank's Group for 2 quarters 2012
Interim financial report Šiaulių bankas AB and the bank’s Group for 1 quarter 2012  
Financial statements of Šiaulių bankas AB and the bank's Group for 1 quarter 2012

2011

Annual report of Šiaulių bankas AB and the bank’s Group for 2011
Interim financial report of Šiaulių bankas AB and the bank's Group for 4 quarters 2011
Financial statements of Šiaulių bankas AB and the bank's Group for 4 quarter 2011
Interim financial report of Šiaulių bankas AB and the bank's Group for 3 quarters 2011
Financial statements of Šiaulių bankas AB and the bank's Group for 3 quarters 2011
Interim financial report of Šiaulių bankas AB and the bank's Group for 2 quarters 2011
Financial statements of Šiaulių bankas AB and the bank's Group for 2 quarters 2011  
Interim financial report Šiaulių bankas AB and the bank’s Group for 1 quarter 2011
Financial statements of Šiaulių bankas AB and the bank's Group for 1 quarter 2011

2010

Annual report of Šiaulių bankas AB and the bank’s Group for 2010
Interim financial report of Šiaulių bankas AB and the bank's Group for 4 quarters 2010
Financial statements of Šiaulių bankas AB and the bank's Group for 4 quarter 2010
Interim financial report of Šiaulių bankas AB and the bank's Group for 3 quarters 2010
Financial statements of Šiaulių bankas AB and the bank's Group for 3 quarter 2010
Interim financial report of Šiaulių bankas AB and the bank's Group for 2 quarters 2010
Financial statements of Šiaulių bankas AB and the bank's Group for 2 quarters 2010  
Interim financial report Šiaulių bankas AB and the bank’s Group for 1 quarter 2010
Financial statements of Šiaulių bankas AB and the bank's Group for 1 quarter 2010

2009

Responsible persons' confirmation
Annual report of Šiaulių bankas AB and the bank’s Group for 2009
Interim financial report of Šiaulių bankas AB and the bank's Group for 4 quarters 2009
Financial statements of Šiaulių bankas AB and the bank's Group for 4 quarters 2009
Interim financial report of Šiaulių bankas AB and the bank's Group for 3 quarters 2009
Financial statements of Šiaulių bankas AB and the bank's Group for 3 quarters 2009
Interim financial report of Šiaulių bankas AB and the bank's Group for 2 quarters 2009
Financial statements of Šiaulių bankas AB and the bank's Group for 2 quarters 2009

Interim financial report Šiaulių bankas AB and the bank’s Group for 1 quarter 2009
Financial statements of Šiaulių bankas for 1 quarter 2009

2008

Annual report of Šiaulių bankas AB and the bank’s Group for 2008
Interim financial report Šiaulių bankas AB and the bank’s Group for 4 quarters 2008
Financial statements of Šiaulių bankas and the bank’s Group AB for 4 quarters 2008
Interim financial report Šiaulių bankas AB and the bank’s Group for 3 quarters 2008
Financial statements of Šiaulių bankas and the bank’s Group AB for 3 quarters 2008
Interim financial report Šiaulių bankas AB and the bank’s Group for 2 quarters 2008
Financial statements of Šiaulių bankas AB and the bank’s Group for 2 quarters 2008 
Interim financial report for 1 quarter 2008 and Responsible persons’ confirmation
Financial statements of Šiaulių bankas AB and the bank’s Group for 1 quarter 2008 

2007

Annual report of Šiaulių bankas AB and the bank’s Group for 2007
Interim financial report Šiaulių bankas AB and the bank’s Group for 2007
Interim financial report Šiaulių bankas AB and the bank’s Group for 3 quarters 2007
Financial statements of Šiaulių bankas AB and the bank’s Group for 3 quarters 2007 
Interim financial report Šiaulių bankas AB and the bank’s Group for 2 quarters 2007 
Financial statements of Šiaulių bankas AB and the bank’s Group for 2 quarters 2007
Interim financial report Šiaulių bankas AB and the bank’s Group for 1 quarter 2007 
Financial statements of Šiaulių bankas AB and the bank’s Group for 1 quarter 2007 

2006

Annual report of Šiaulių bankas AB and the bank’s Group for 2006
Financial statements of Šiaulių bankas AB and the bank’s Group for 3 quarters 2006
Financial statements of Šiaulių bankas AB and the bank’s Group for 2 quarters 2006
Financial statements of Šiaulių bankas AB and the bank’s Group for 1 quarter 2006

2005

Annual report of Šiaulių bankas AB and the bank’s Group for 2005 

2004

Annual report of Šiaulių bankas AB and the bank’s Group for 2004

2003

Annual report of Šiaulių bankas AB and the bank’s Group for 2003

2002
Annual report of Šiaulių bankas AB and the bank’s Group for 2002

2001

Annual report of Šiaulių bankas AB and the bank’s Group for 2001

Interim financial report of Šiaulių bankas AB and the bank's Group for 4 quarters 2014

 

2019-03-31

2018

2017

2016

2015

2014

Bank

           

Capital adequacy, % (>12.9%)*

16.80 14.82 15.32 

16.89

14.59

12.18

Tier I capital adequacy ratio, % (>10.9%)*

16.80 14.82  13.64  14.88 12.48 9.83
Tier I own capital adequacy ratio, % (>9.4%)* 16.80 14.82  13.64  14.88 12.48 9.83
Liquidity coverage ration (LCR) % (≥ 100%) indicator is carried out indicator is carried out   indicator is carried out  indicator is carried out indicator is carried out indicator is carried out

Maximum loan to one debtor, % (<25% capital, calculated according to the COREP requirements)

15.34  18.23 18.43  12.18 14.58

17.47

Financial group

           

Capital adequacy, % (>12.9%)*

17.01 15.11  15.53  17.20 14.82 12.25

Tier I capital adequacy ratio, % (>10.9%)

17.01 15.11  13.86  15.19 12.70 10.13

Tier I own capital adequacy ratio, % (>9.4%)

17.01 15.11  13.86  15.19 12.70 10.13

Liquidity coverage ration (LCR) % (≥ 100%)

indicator is carried out indicator is carried out    indicator is carried out indicator is carried out indicator is carried out indicator is carried out

Maximum loan to one debtor, % (<25% capital, calculated according to the COREP requirements)

15.48 17.82  18.09  12.01 14.39 17.10

Bank group

           

Capital adequacy, %

16.88 14.95  15.53  17.03 14.24 11.35

 

* from 31/12/2016

 

2019-03-31

2018

2017

2016

2015

2014

Bank

           

ROAA, %

2.67  2.46  1.60

2.40

1.30

0.68

ROAE, %

23.72 22.85  15.97 

25.39

17.35

10.38

Cost to income ratio, %

31.78 32.33  47.20 

31.40

38.65

38.74

Financial group

           

ROAA, %

2.66 2.40  1.65  2.46 1.31 0.70

ROAE, %

23.52 22.28  16.15  25.70 17.31 10.69

Cost to income ratio, %

33.75 33.98  45.45  32.96 39.24 39.65

Bank group

           

ROAA, %

2.62 2.40  1.63  2.46 1.43 0.74

ROAE, %

23.38 22.32  16.05 26.06 18.95 11.45

Cost to income ratio, %

40.62 37.32  52.06  42.29 52.22 50.58
Bank assets quality ratios, Share information
Indicators as per Financial Risk Management Guidelines for State-Controlled Institutions
Ratings granted by the International Agencies

Bank assets quality ratios:

 

2019-03-31

2018

2017

2016

2015

2014

Assets, thousand EUR

2,279,843

2,221,738

1,989,966

1 823 639 1,657,857

1,610,106

Loans in fair value, thousand EUR 1,286,283 1,264,741

1,102,927

994 155 912,669

790,756

Deposits, thousand EUR 1,894,837 1,846,790

1,648,817

1 495 478 1,436,712

1,415,716

Shareholders' equity, thousand EUR 272,916 269,110

201,959

172 943 132,513

104,729

Specific provisions 
from loan portfolio, %

2,93 3,00

2.61

3.18 3.99 5.01

 

Share information:

 

2019-03-31

2018 2017 2016 2015
Capitalization, EUR mln 275,7 240,9 266,8 169,5 93,7
Turnover, EUR mln 12,0 34,7 44,5 23,1 12,7
Share price on the last trading session day 0,459 0,401 0,589 0,449 0,298
Includes directly and indirectly controlled shares 0,454 0,448 0,448 0,458 0,421
P/BV 1,0 0,9 1,3 1,0 0,7
P/E 4,7 4,6 8,3 3,9 3,9

 

 

2019-03-31

2018

2017

2016

Capital adequacy ratio, %

16.80 14.82 15.53 16.89

Reserve of liquid assets to financial gap for 1 month, %

287.17 276.59 307.41 289.59
   

Long-term deposit rating

Baa2

Short-term deposit rating

P-2

Rating outlook

Stable


International rating agency Moody's Investors Service updated ratings of  Šiaulių bankas AB on 
16-05-2019

Latest Reports Moody's: