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Raiffeisen Bank Hungary

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Raiffeisen Bank Hungary

Raiffeisen Bank Hungary is a fifth largest bank in Hungary with a 7% market share by assets. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. Raiffeisen Bank Zrt. was established as Unicbank Rt. in December 1986. Now, the Bank is effectively a 100% subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. The bank now operates in 17 different countries, employes about 60,000 people and services approximatelly 14.4 million customers through more than 3,100 branches.

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summary

Unit

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income statement

Net Interest Income	HUF mil
Total Revenues	HUF mil
Operating Profit	HUF mil
Net Profit	HUF mil

58,480	43,943	44,852	44,172	38,524
126,371	81,365	95,410	98,636	86,447
14,067	5,813	1,596	1,162	20,114
-84,955	-56,831	-39,077	-112,188	9,984

balance sheet

Interbank Loans	HUF mil
Customer Loans	HUF mil
Debt Securities	HUF mil
Total Assets	HUF mil
Shareholders' Equity	HUF mil
Interbank Borrowing	HUF mil
Customer Deposits	HUF mil
Issued Debt Securities	HUF mil

99,777	32,795	27,733	31,531	59,194
1,526,240	1,285,540	1,224,250	1,123,830	914,198
482,815	577,977	417,749	330,138	424,762
2,300,270	2,101,040	1,851,490	2,087,530	1,965,800
160,904	115,665	114,402	100,334	156,286
318,070	243,145	225,960	314,479	274,544
1,434,540	1,436,550	1,228,780	1,324,950	1,293,680
185,802	198,160	241,069	272,814	124,779

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

												-54.4%	-41.1%	-34.0%	-104%	7.78%
												-3.64%	-2.58%	-1.98%	-5.70%	0.493%
												4.81%	3.43%	4.75%	4.95%	3.27%
												88.9%	92.9%	98.3%	98.8%	76.7%
...	...	...	...	...	...	...	...	...	...	...	...	11.1%	9.19%	11.2%	19.3%	24.3%
												2.51%	2.00%	2.27%	2.24%	1.90%
												46.3%	54.0%	47.0%	44.8%	44.6%
												16.7%	21.8%	31.7%	33.8%	38.4%
												25.2%	33.5%	27.5%	24.4%	35.0%
												7.00%	5.51%	6.18%	4.81%	7.95%
												106%	89.5%	99.6%	84.8%	70.7%
												66.4%	61.2%	66.1%	53.8%	46.5%
...	...	...	...	...	...	...						22.6%	27.5%	29.3%	28.2%	21.4%
...	...	...	...	...	...	...						62.4%	61.1%	64.5%	85.2%	71.9%

Download Data

income statement

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income statement

Interest Income	HUF mil
Interest Cost	HUF mil
Net Interest Income	HUF mil
Net Fee Income	HUF mil
Other Income	HUF mil
Total Revenues	HUF mil
Staff Cost	HUF mil
Depreciation	HUF mil
Other Cost	HUF mil
Operating Cost	HUF mil
Operating Profit	HUF mil
Provisions	HUF mil
Extra and Other Cost	HUF mil
Pre-Tax Profit	HUF mil
Tax	HUF mil
Minorities	HUF mil
Net Profit	HUF mil

148,168	137,143	106,119	83,273	67,177
89,688	93,200	61,267	39,101	28,653
58,480	43,943	44,852	44,172	38,524
21,049	17,770	30,233	33,386	33,172
46,842	19,652	20,325	21,078	14,751
126,371	81,365	95,410	98,636	86,447
28,322	25,285	25,769	23,742	23,218
10,545	8,166	6,962	7,184	4,600
73,437	42,101	61,083	66,548	38,515
112,304	75,552	93,814	97,474	66,333
14,067	5,813	1,596	1,162	20,114
105,862	61,901	40,154	115,112	11,258
0.000	0.000	0.000	0.000	-1,672
-91,795	-56,088	-38,558	-113,950	10,528
-2,913	861	660	3,738	250
-3,927	-118	-141	-5,500	294
-84,955	-56,831	-39,077	-112,188	9,984

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	-17.0%	-24.9%	2.07%	-1.52%	-12.8%
...	0.814%	-15.6%	70.1%	10.4%	-0.641%
...	-7.06%	-35.6%	17.3%	3.38%	-12.4%
...	31.4%	-32.7%	24.2%	3.90%	-31.9%
...	-72.2%	-58.7%	-72.5%	-27.2%	1,631%
...	1,194%	-38.9%	-31.3%	196%	-109%
...	5,613%	-33.1%	-31.2%	187%	-109%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

					9.50%	9.04%	9.52%	9.34%	10.1%
				...	...	...	...	...	...
...	...	...	...		7.51%	7.15%	6.22%	5.84%	6.48%
...	...	...	...		3.83%	3.69%	3.51%	3.37%	2.52%

Download Data

balance sheet

Unit

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balance sheet

Cash	HUF mil
Interbank Loans	HUF mil
Customer Loans	HUF mil
Retail Loans	HUF mil
Corporate Loans	HUF mil
Debt Securities	HUF mil
Fixed Assets	HUF mil
Total Assets	HUF mil
Shareholders' Equity	HUF mil
Of Which Minority Interest	HUF mil
Liabilities	HUF mil
Interbank Borrowing	HUF mil
Customer Deposits	HUF mil
Issued Debt Securities	HUF mil
Other Liabilities	HUF mil

				98,285	129,153	116,004	518,386	505,024
				99,777	32,795	27,733	31,531	59,194
				1,526,240	1,285,540	1,224,250	1,123,830	914,198
...	...	...	...	589,015	434,399	495,307	461,583	270,112
...	...	...	...	859,502	756,710	843,777	847,390	810,136
				482,815	577,977	417,749	330,138	424,762
				36,353	33,574	26,990	25,097	29,988
				2,300,270	2,101,040	1,851,490	2,087,530	1,965,800
				160,904	115,665	114,402	100,334	156,286
				1,496	254	844	639	557
				2,139,370	1,985,370	1,737,090	1,987,190	1,809,520
				318,070	243,145	225,960	314,479	274,544
				1,434,540	1,436,550	1,228,780	1,324,950	1,293,680
				185,802	198,160	241,069	272,814	124,779
				200,957	107,513	41,276	74,950	116,519

asset quality

Non-Performing Loans	HUF mil
Gross Loans	HUF mil
Total Provisions	HUF mil

...	...	...	...	...	...	...	400,858	424,425	441,391	417,045	230,982
							1,776,260	1,544,750	1,508,860	1,479,260	1,080,250
							250,026	259,219	284,608	355,433	166,050

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%

...					-5.49%	-15.8%	-4.77%	-8.20%	-18.7%
...	...	...	...	...	-35.1%	-26.2%	14.0%	-6.81%	-41.5%
...	...	...	...	...	32.9%	-12.0%	11.5%	0.428%	-4.40%
...					-2.86%	-8.66%	-11.9%	12.7%	-5.83%
...					6.20%	-28.1%	-1.09%	-12.3%	55.8%
...					8.37%	0.140%	-14.5%	7.83%	-2.36%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Consumer Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%

				8.27%	8.02%	7.98%	7.50%	6.86%
...	...	...	...	12.6%	12.7%	14.8%	14.4%	15.3%
...	...	...	...	7.69%	6.68%	8.23%	7.94%	5.33%
				6.07%	6.10%	5.24%	5.71%	5.45%
				9.82%	9.80%	8.26%	8.27%	7.23%

Download Data

ratios

Unit

1999

2000

2001

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2006

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2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	HUF per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

												-54.4%	-41.1%	-34.0%	-104%	7.78%
												-3.64%	-2.58%	-1.98%	-5.70%	0.493%
												4.81%	3.43%	4.75%	4.95%	3.27%
												88.9%	92.9%	98.3%	98.8%	76.7%
...	...	...	...	...	...	...	...	...	...	...	...	11.1%	9.19%	11.2%	19.3%	24.3%
												2.51%	2.00%	2.27%	2.24%	1.90%
...												2.23%	1.71%	2.08%	2.13%	1.81%
												6.35%	6.23%	5.37%	4.23%	3.31%
...												4.12%	4.52%	3.29%	2.10%	1.51%
												46.3%	54.0%	47.0%	44.8%	44.6%
												16.7%	21.8%	31.7%	33.8%	38.4%
												37.1%	24.2%	21.3%	21.4%	17.1%
...	...	...	...									3,785	3,185	3,798	3,602	2,854
...	...	...	...									761,099	716,695	849,453	859,097	782,067
												25.2%	33.5%	27.5%	24.4%	35.0%
												7.00%	5.51%	6.18%	4.81%	7.95%
												106%	89.5%	99.6%	84.8%	70.7%
												66.4%	61.2%	66.1%	53.8%	46.5%
...	...	...	...	...	...	...						22.6%	27.5%	29.3%	28.2%	21.4%
...	...	...	...	...	...	...						62.4%	61.1%	64.5%	85.2%	71.9%
												16.4%	20.2%	23.2%	31.6%	18.2%
												6.74%	4.40%	3.20%	9.80%	1.10%

Download Data

other data

Unit

1999

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2001

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other data

Branches
Employees

...	...	...	...									132	123	114	105	71.0
...	...	...	...									3,101	2,940	2,528	2,303	2,474

Download Data

Comparison of 11 Companies within Raiffeisen New Europe

October 29, 2018

This Annual Statistical Dossier offers a comparison of 11 banks from Raiffeisen New Europe from 1999 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related

This Annual Statistical Dossier offers a comparison of 11 banks from Raiffeisen New Europe from 1999 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.

Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 10 Banks in Hungary

October 24, 2018

This Annual Statistical Dossier offers a comparison of 10 Hungarian banks from 1993 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 10 Hungarian banks from 1993 to 2017 on an annual basis. The report can be downloaded as an Excel file.

The file contains data of following banks:

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Raiffeisen Bank Hungary in Numbers

September 28, 2018

This Annual statistical dossier offers a summary of Raiffeisen Bank Hungary's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

This Annual statistical dossier offers a summary of Raiffeisen Bank Hungary's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Raiffeisen Hungary's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Raiffeisen Bank Hungary at a Glance

June 27, 2014

This report offers a summary of the bank's performance in 1999-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Hungary

Raiffeisen Bank Hungary in Numbers

June 17, 2014

This excel file offers a summary of the bank's performance in 1999-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Hungary

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Who Was the Largest Deposit Taker Among Raiffeisen New Europe in 2017?

March 5, 2019

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank International was the largest deposit taker, followed by Raiffeisenbank Russia and Raiffeisenbank Czech Republic.

Raiffeisen Bank International's customer

Raiffeisen Bank International's customer deposits reached CZK 2,234,678 mil, up from CZK 2,171,527 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 2,234,678 mil in 2017 and an all time low of CZK 248,065 mil in 2001.

Comparing Raiffeisen Bank International with its closest peers, Raiffeisenbank Russia's deposits amounted to CZK 257,444 mil at the end of 2017, Raiffeisenbank Czech Republic operated with CZK 252,076 mil of customer deposits and Raiffeisen Bank Polska had clients' deposits of CZK 212,412 mil at the end of 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

Who Generated the Most Fees Among Raiffeisen New Europe in 2017?

February 25, 2019

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank International generated the largest fee income, followed by Raiffeisenbank Russia and Raiffeisen Bank Polska.

Raiffeisen Bank International reported total

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank International generated the largest fee income, followed by Raiffeisenbank Russia and Raiffeisen Bank Polska.

Raiffeisen Bank International reported total fee income of CZK 45,279 mil, up 4.74% compared to the previous year. Historically, the bank’s fee income reached an all time high of CZK 45,279 mil in 2017 and an all time low of CZK 2,767 mil in 2001.

Comparing Raiffeisen Bank International with its closest peers, Raiffeisenbank Russia generated total fee income of CZK 6,552 mil, Raiffeisen Bank Polska operated with CZK 3,629 mil fee income and Raiffeisen Bank Romania produced total fees worth CZK 3,382 mil.

You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

Who Was the Most Profitable Among Raiffeisen New Europe in 2017?

February 25, 2019

Based on a comparison of 11 banks among Raiffeisen New Europe, Raiffeisen Bank International produced the highest net profit in 2017, followed by Raiffeisenbank Russia and Raiffeisen Bank Romania.

Raiffeisen Bank International made a net

Based on a comparison of 11 banks among Raiffeisen New Europe, Raiffeisen Bank International produced the highest net profit in 2017, followed by Raiffeisenbank Russia and Raiffeisen Bank Romania.

Raiffeisen Bank International made a net profit of CZK 29,400 mil, up 109% compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 33,508 mil in 2006 and an all time low of CZK -16,988 mil in 2014. The average profit in the last five years amounted to CZK 10,494 mil.

The bank generated an average return on equity of 3.98% for its shareholders in the last five years with a maximum of 10.6% and a minimum of -6.65%.

Comparing Raiffeisen Bank International with its closest peers, Raiffeisenbank Russia generated a net profit of CZK 11,677 mil with a ROE of 25.1% in 2017, Raiffeisen Bank Romania netted CZK 2,941 mil (ROE of 14.9%) and Raiffeisenbank Czech Republic announced a net profit of CZK 2,825 mil giving a ROE of 10.8%.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

Who Generated the Most Revenues Among Raiffeisen New Europe in 2017?

February 25, 2019

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank International generated the largest revenues, followed by Raiffeisenbank Russia and Raiffeisen Bank Romania.

Raiffeisen Bank International reported total

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank International generated the largest revenues, followed by Raiffeisenbank Russia and Raiffeisen Bank Romania.

Raiffeisen Bank International reported total revenues of CZK 132,948 mil, down 0.380% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 151,353 mil in 2014 and an all time low of CZK 17,844 mil in 2001. The average revenue in the last five years amounted to CZK 138,862 mil.

Bank's total revenues accounted for 3.73% of total assets in 2017, down from 3.66% a year earlier.

Comparing Raiffeisen Bank International with its closest peers, Raiffeisenbank Russia generated total revenues of CZK 27,600 mil, or 8.17% of assets in 2017, Raiffeisen Bank Romania operated with CZK 12,266 mil total income, or 5.78% revenue margin and Raiffeisenbank Czech Republic produced total income worth CZK 10,404 mil, or 3.08% of assets.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

See all charts of the company »

Raiffeisen Hungary's npls (as % of loans) fell 49.6% to 7.02% in 2017

Raiffeisen Hungary's net interest margin rose 15.0% to 1.86% in 2017

Raiffeisen Hungary's employees fell 1.69% to 2,089 in 2017

Raiffeisen Hungary's customer deposits rose 13.3% to HUF 1,501,170 mil in 2017

Raiffeisen Hungary's net profit rose 103% to HUF 30,508 mil in 2017

Raiffeisen Hungary's costs (as % of assets) rose 0.227% to 3.21% in 2017

Raiffeisen Hungary's total revenues rose 9.48% to HUF 89,813 mil in 2017

Raiffeisen Hungary's customer loans rose 7.84% to HUF 900,551 mil in 2017

Raiffeisen Hungary's corporate loans rose 6.05% to HUF 695,643 mil in 2017

Raiffeisen Hungary's net interest income rose 21.2% to HUF 38,930 mil in 2017

Raiffeisen Hungary's customer loan growth rose 191% to 7.84% in 2017