Slovenská sporiteľňa, a.s. financials
Slovenská sporiteľňa, a.s.
Country: SK Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
549300S2T3FWVVXWJI89 Financial statements
(EUR, as reported — unscaled; 112 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €141.7M | €128.0M |
| Employee benefits expense | €199.3M | €191.2M |
| Depreciation & amortisation | €35.1M | €34.5M |
| Profit before tax | €470.0M | €451.8M |
| Income tax expense | €159.7M | €166.3M |
| Profit for the year | €310.3M | €285.5M |
| — attributable to owners | €310.3M | €285.5M |
| — attributable to NCI | -€12.0K | €7.0K |
| Total comprehensive income | €310.1M | €284.9M |
| Per share | ||
| Basic EPS | €1464.00 | €1347.00 |
| Diluted EPS | €1464.00 | €1347.00 |
| Free cash flow / share | €-3735.23 | €-3317.24 |
| Cash flow statement | ||
| Net cash from operating activities | -€765.0M | -€668.7M |
| Net cash from investing activities | -€17.8M | -€46.7M |
| Net cash from financing activities | €242.5M | -€326.6M |
| Dividends paid | €260.7M | €244.5M |
| Lease liability payments | €8.8M | €8.6M |
| Balance sheet | ||
| Total assets | €28.00B | €26.38B |
| Cash & equivalents | €1.45B | €1.99B |
| Total equity | €2.41B | €2.50B |
| — attributable to owners | €2.41B | €2.50B |
| Non-controlling interests | €1.9M | €1.9M |
| Derived metrics | ||
| Free cash flow | -€791.6M | -€703.0M |
| Return on equity | 12.9% | 11.4% |
| Cash conversion ratio | -2.47× | -2.34× |
| Capex coverage | -28.71× | -19.46× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €39.0M | €12.2M |
| Adjustments For Decrease Increase In Other Assets | -€32.7M | €3.3M |
| Adjustments For Decrease Increase In Trade and Other Receivables | -€18.6M | -€30.1M |
| Adjustments For Deferred Tax Expense | €10.8M | €12.7M |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €33.4M | €33.9M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€37.9M | -€11.1M |
| Adjustments For Increase Decrease In Other Liabilities | €42.6M | -€32.8M |
| Adjustments For Provisions | -€497.0K | €2.5M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €13.7M |
| Comprehensive Income Attributable To Noncontrolling Interests | -€12.0K | €7.0K |
| Comprehensive Income Attributable To Owners of Parent | €310.1M | €284.9M |
| Current Tax Assets | €95.0K | €617.0K |
| Current Tax Liabilities | €24.8M | €20.0K |
| Debt Instruments Held At Amortised Cost | €5.25B | €4.47B |
| Debt Instruments Held At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €9.6M | €6.6M |
| Debt Instruments Issued At Amortised Cost | €5.30B | €4.62B |
| Deferred Tax Assets | €94.0M | €83.0M |
| Deposits From Banks At Amortised Cost | €278.8M | €205.9M |
| Deposits From Customers At Amortised Cost | €19.68B | €18.73B |
| Derivative Financial Assets Held For Trading | €9.1M | €48.1M |
| Derivative Financial Liabilities Held For Trading | €7.6M | €45.5M |
| Dividends Received Classified As Investing Activities | €1.3M | €493.0K |
| Dividends Received Classified As Operating Activities | €1.3M | €493.0K |
| Dividends Recognised As Distributions To Owners Per Share | €1238.00 | €1095.00 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€135.0K | €86.0K |
| Equity and Liabilities | €28.00B | €26.38B |
| Equity Instruments Held At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €19.2M | €20.7M |
| Fee and Commission Expense | €19.6M | €14.8M |
| Fee and Commission Income | €261.5M | €247.1M |
| Fee and Commission Income Expense | €241.8M | €232.3M |
| Finance Lease Receivables | €364.6M | €368.6M |
| Financial Assets At Amortised Cost | €25.52B | €23.40B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €9.1M | €48.1M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €28.8M | €27.4M |
| Financial Liabilities At Amortised Cost | €25.34B | €23.62B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €7.6M | €45.5M |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €0 | -€10.4M |
| Gain Loss On Change In Fair Value of Hedged Item Used As Basis For Recognising Hedge Ineffectiveness | €6.6M | €32.2M |
| Gains Losses On Exchange Differences On Translation Before Tax | €368.0K | -€175.0K |
| Hedging Instrument Assets | €43.1M | €32.8M |
| Hedging Instrument Liabilities | €11.8M | €31.8M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €51.3M | €13.1M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -€164.0K | -€183.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €149.8M | €199.3M |
| Intangible Assets Other Than Goodwill | €25.4M | €20.6M |
| Interest Expense | €294.9M | €320.3M |
| Interest Expense On Other Financial Liabilities | €39.5M | €84.5M |
| Interest Income On Other Financial Assets | €45.7M | €60.0M |
| Interest Paid Classified As Operating Activities | €291.6M | €331.5M |
| Interest Received Classified As Operating Activities | €938.4M | €934.1M |
| Interest Revenue Calculated Using Effective Interest Method | €933.9M | €913.8M |
| Interest Revenue Expense | €645.1M | €568.9M |
| Investment Property | €459.0K | €957.0K |
| Investments In Subsidiaries Joint Ventures and Associates | €78.3M | €64.5M |
| Issued Capital | €212.0M | €212.0M |
| Lease Liabilities | €22.9M | €21.2M |
| Loans and Advances To Banks At Amortised Cost | €65.3M | €10.4M |
| Loans and Advances To Customers At Amortised Cost | €20.20B | €18.92B |
| Number of Shares Outstanding | 0.2M | 0.2M |
| Other Adjustments To Reconcile Profit Loss | -€4.6M | -€836.0K |
| Other Assets | €60.2M | €27.1M |
| Other Comprehensive Income | -€150.0K | -€523.0K |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | €368.0K | -€175.0K |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €0 | €5.0K |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€682.0K | -€536.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €368.0K | -€175.0K |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€518.0K | -€348.0K |
| Other Equity Interest | €330.0M | €480.0M |
| Other Liabilities | €143.2M | €123.4M |
| Other Operating Income Expense | €7.5M | €532.0K |
| Other Reserves | €39.1M | €39.1M |
| Payments of Other Equity Instruments | €150.0M | €0 |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €7.5M | €844.0K |
| Proceeds From Issue of Bonds Notes and Debentures | €1.27B | €266.1M |
| Proceeds From Issue of Subordinated Liabilities | €150.0M | €0 |
| Property Plant and Equipment Including Rightofuse Assets | €140.6M | €149.3M |
| Provisions | €36.9M | €35.0M |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €26.6M | €34.4M |
| Rental Income | €376.0K | €482.0K |
| Repayments of Bonds Notes and Debentures | €759.4M | €339.6M |
| Retained Earnings | €1.75B | €1.69B |
| Revenue From Dividends | €644.0K | €492.0K |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €2.2M | €1.1M |
| Statutory Reserve | €79.8M | €79.8M |
| Trade and Other Receivables | €182.2M | €163.7M |
| Trading Income Expense | €21.7M | €18.6M |
Methodology
Every line item above is a fact tagged in Slovenská sporiteľňa, a.s.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.