Raiffeisen Bank Int. - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Austria | August 12, 2019
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Excel Sheet

Raiffeisen Bank Int.'s non-performing loans reached 4.11% of total loans at the end of 2018, down from 5.68% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.9% in 2015 and an all time low of 1.71% in 2005.

Provision coverage amounted to 58.3% at the end of 2018, down from 67.3% compared to a year earlier.

The bank created loan loss provisions worth of 0.209% of average loans in 2018. That's compared to 1.19% of loans the bank put aside to its cost on average in the last five years.

Comparing Raiffeisen Bank Int. with its closest peers, PKO BP operated at the end of 2018 with NPL ratio of 5.13% and provision coverage of 71.7%, Pekao SA with 5.38% and 89.7% respectively and Sberbank had 3.75% of bad loans covered with 189% by provisions at the end of 2018.

You can see all the bank’s data at Raiffeisen Bank Int. Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Bank Austria Group % 9.15% 8.38% 9.22% 8.49% 4.63% ...
BAWAG Group % ... 5.47% 4.14% 3.26% 2.80% 1.91% ...
Erste Bank Austria % 5.54% 4.78% 4.35% 3.92% 3.15% ...
Erste Bank Core Austria % 3.77% 3.82% 3.49% 2.86% 2.52% ...
Erste Group Bank % 8.45% 9.63% 8.48% 7.06% 4.94%
Erste Savings Banks % 6.86% 6.78% 6.33% 5.64% 4.88% ...
Oberbank % 4.48% 5.00% 5.03% 4.86% 3.53% ...
Raiffeisen Bank Int. % 9.82% 10.7% 11.4% 11.9% 8.66%
Raiffeisenlandesbank Niederosterreich-Wien % 5.77% 4.75% 6.16% 5.47% 4.05% ...
Raiffeisenlandesbank Oberosterreich % 5.22% 4.10% 7.60% 7.16% 3.27% ...
Raiffeisenlandesbank Steiermark % 7.92% 10.5% 10.5% 9.18% 6.43% ...
Raiffeisenlandesbank Tirol % 6.86% 6.97% 6.50% 6.26% 5.69% ...
Sparkasse Oberosterreich % 5.11% 5.35% 5.33% 4.51% 3.72% ...
Steiermarkische Sparkasse % 7.45% 7.48% 6.53% 5.77% 4.67% ...
AVERAGE % 6.54% 6.56% 6.60% 6.73% 6.13% 4.43% 3.63% 3.65%