1 / 23

Šiaulių Bankas Overview: Banking Sector Development & Milestones

Šiaulių Bankas, a leading player in Lithuania's banking sector, boasts a strong loan portfolio growth of 100% in 2007, alongside a 100% increase in deposits. Ranked No. 4 among other Lithuanian banks, it holds a 8.6% deposit market share and 5.1% loan market share. With subsidiaries held for sale and notable group structure, Šiaulių Bankas offers a wide array of financial services including savings, investments, and credits. The bank also exhibits robust growth in e-banking and payment cards distribution. With a focus on customer service and community welfare, the bank's re-branding emphasizes values of trust, professionalism, respect, and responsibility. Key financial indicators and future strategies are highlighted, showcasing Šiaulių Bankas' commitment to growth and stability in the dynamic banking industry.

sarahromero
Download Presentation

Šiaulių Bankas Overview: Banking Sector Development & Milestones

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. BANKING SECTOR DEVELOPMENT Loan portfolio (2007 - 100%) Deposits (2007 - 100%) -0.1% -0.2% • No.4 among other banks operating in Lithuania, having 8.6% deposit market share and 5.1% loan market share 2

  2. GROUP STRUCTURE SUBSIDIARIES HELD FOR SALE SPORTO KLUBŲ INVESTICIJOS ŠIAULIŲ BANKO INVESTICIJŲ VALDYMAS BONUM PUBLICUM PROJECT “ŽALGIRIO STADIONAS“ SB LIZINGAS former Ūkio banko lizingas ŠIAULIŲ BANKO TURTO FONDAS ŠIAULIŲ BANKO LIZINGAS (will be integrated to the bank) MINERA SBTF PAVASARIS

  3. SHAREHOLDERS Authorized capital – 85033800 EUR *- parties of the Shareholders Agreement dated 3 June 2005

  4. NETWORK Number of outlets

  5. SEGMENTS Municipalities and their companies Housing renovation SME "Small" entrepreneurs and farmers working people of 40+ and their family members, seniors

  6. CUSTOMERS AND SERVICES Private clients - 341 thou, business clients - 24 thou RENOVATION PROGRAMME • Šiaulių bankas leading player with 63% market share (37% other banks and VIPA) • 513 renovation credit agreements(EUR 104mn) SAVINGS, INVESTMENTS, CREDITS • Deposits: 4 types of term deposits, 2 types of demand deposits • Investment services: government bonds, debt and equity securities • Credits: SME loans, consumer credit, mortgage loans, factoring, leasing PAYMENT CARDS • 125 thou payment cards are distributed(+16% per year) -90% debit cards, 10% credit cards • 4.3mn transactions in 2014 (+34% per year):65%settlements, 35% withdrawals of cash E-BANKING • 157 thou customers have access to e-banking system “SB linija” (+21% per year) • More than 90% of all customers’ payment orders are provided via “SB linija”

  7. MILESTONES Group strengthened its positions in leasing and life insurance markets Re-branding Šiaulių Bankas assumed part of liabilities and assetsof Ūkio bankas Sale of the territory of Žalgiris Stadium Šiaulių Bankas entered into relationship with EIB and EIF National currency switch carried out successfully Agreement on acquisition of Finasta EBRD became the largest shareholder 1992

  8. RE-BRANDING • VALUES • Trust • Professionalism • Respect • Responsibility • MISSION • We have the same roots. By providing financial services, we increase the well-being of Lithuania’s people and businesses, and we grow together with them • Šiaulių Bankas' re-branding is a natural consequence of those changes that have taken place over the past few years. • MOTO • "Our strength lies in our roots"

  9. ŽALGIRIS STADIUM PROJECT • The Agreementhas been signed on 30th of April • The price – EUR 41mn (plus VAT) • The Purchaser- SPV Promola (Hanner AB Group company) • The closing date of contract - end of 2015 • Purchase of property will be financed: • 55% Šiaulių bankas group • 45% Hanner funds

  10. FINASTA • Preliminary value of the transaction is EUR 6.7m, however it may differ at the moment of closing of the transaction when a final payable amount is calculated • ŠiauliųBankas will settle for this transaction by issuing new shares, thus increasing capital base

  11. Financials

  12. BALANCE SHEET STRUCTURE EUR 138m(8%) EUR 112m(7%) EUR 45m (2%) EUR 591m (36%) EUR 1,414m (86%) EUR 775m (47%) EUR 75m(5%) EUR 1,646m Liabilities Assets

  13. DEPOSIT PORTFOLIO EUR +104m (+8%) EUR -4m (-0.3%)

  14. DEBT SECURITIES PORTFOLIO EUR +52m (+11%) EUR +61m (+12%)

  15. LOAN PORTFOLIO EUR +1m (+0.2%) EUR -17m (-2%)

  16. LOAN PORTFOLIO QUALITY NPLimpaired+not impaired but past due more than 60 days LOANS PAST DUE MORE 30 DAYS 17

  17. INCOME Net commission income Income structure* Net foreign exchange gain * 2014, excluding revenue related to other activities of Group companies

  18. EXPENSES OPEX structure* Impairment *2014, excluding expenses related to other activities of Group companies

  19. NET PROFIT

  20. KEY ASSUMPTIONS FOR 2015 • Bank will continue to operate in low interest rate environment influenced by geopolitical threats. • Stable NIM will be maintained: downward pressure on loan interest rates and debt securities yield will be balanced by lower costs of main funding source - term deposits. • A challenge to compensate net fee and commission income lost due euro introduction. • More attention will be paid to the Bank's marketing activities; it is planned to present the Bank's values, vision and mission as well as to launch an image strengthening campaign related to the updated Bank's logo. • Significant investments will be made to the Bank's IT systems, thus, improving the quality of the banking products and expanding the range of services.

  21. SHARE PRICE AND RATIOS *Bank

  22. Our Strength Lies In Our Roots

More Related