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Raiffeisen Bank Int.

RBI's npls (as % of loans) fell 5.34% yoy to 2.72% in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int.'s non-performing loans reached 2.72% of total loans at the end of 2020-12-31, down from 2.87% compared to th...

RBI's customer deposits rose 3.69% yoy to EUR 71,538 mil in 4Q2016

By Helgi Analytics - March 7, 2022

Raiffeisen Bank Int.'s customer deposits reached in, down 0% compared to the previous year. Austrian banking sector accepted c...

RBI's net interest margin fell 20.7% yoy to 1.86% in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int.'s net interest margin amounted to 1.86% in the fourth quarter of 2020, down from 1.89% when compared to the...

Profit Statement 2018 2019 2020
Net Interest Income EUR mil 3,413 3,443 3,263
Net Fee Income EUR mil 1,791 1,797 1,738
Other Income EUR mil 847 904 947
Total Revenues EUR mil 6,051 6,144 5,949
Staff Cost EUR mil 1,580 1,610 1,566
Operating Profit EUR mil 2,996 3,074 2,990
Provisions EUR mil 166 234 630
Net Profit EUR mil 1,419 1,250 881
Balance Sheet 2018 2019 2020
Interbank Loans EUR mil ... ... 2,974
Customer Loans EUR mil 90,594 100,312 102,225
Investments EUR mil 22,297 21,989 21,845
Total Assets EUR mil 140,115 152,200 165,959
Shareholders' Equity EUR mil 12,413 13,765 14,288
Interbank Borrowing EUR mil 5,987 6,855 6,684
Customer Deposits EUR mil 109,698 118,427 130,251
Issued Debt Securities EUR mil 8,490 9,271 10,780
Ratios 2018 2019 2020
ROE % 12.0 9.55 6.28
ROA % 1.03 0.855 0.554
Costs (As % Of Assets) % 2.22 2.10 1.86
Costs (As % Of Income) % 50.5 50.0 49.7
Capital Adequacy Ratio % 18.3 18.0 18.3
Net Interest Margin % 2.48 2.36 2.05
Loans (As % Of Deposits) % 82.6 84.7 78.5
NPLs (As % Of Loans) % 3.43 2.87 2.72
Provisions (As % Of NPLs) % 77.7 78.5 89.6
Valuation 2018 2019 2020
Market Capitalisation USD mil 8,355 8,262 6,701
Number Of Shares mil 329 329 329
Share Price EUR 22.2 22.4 16.7
Price/Earnings (P/E) 5.37 6.20 6.80
Price/Book Value (P/BV) 0.588 0.535 0.384
Dividend Yield % 4.19 0 2.88
Earnings Per Share (EPS) EUR 4.13 3.61 2.45
Book Value Per Share EUR 37.8 41.9 43.5
Dividend Per Share EUR 0.930 0 0.480

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summary Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                        
Net Interest Income EUR mil                           3,789 3,327 2,935 3,260 3,413    
Total Revenues EUR mil                           5,100 5,394 4,980 5,826 6,051    
Operating Profit EUR mil                           2,468 2,435 2,051 2,829 2,996    
Net Profit EUR mil                           -216 375 396 1,150 1,419    
balance sheet                                        
Interbank Loans EUR mil                           15,573 10,837 9,900 ... ... ...  
Customer Loans EUR mil                           71,822 63,866 65,559 88,473 90,594    
Investments EUR mil                           22,385 21,058 19,626 24,416 22,297    
Total Assets EUR mil                           121,500 114,427 111,864 135,146 140,115    
                                           
Shareholders' Equity EUR mil                           8,178 8,501 9,232 11,241 12,413    
Interbank Borrowing EUR mil                           29,286 5,092 5,120 4,788 5,987    
Customer Deposits EUR mil                           66,094 68,991 71,538 106,362 109,698    
Issued Debt Securities EUR mil                           14,778 28,035 23,665 8,059 8,490    
ratios                                        
ROE % ...                         -2.33 4.49 4.47 11.2 12.0    
ROA % ...                         -0.171 0.318 0.350 0.931 1.03    
Costs (As % Of Assets) % ...                         2.09 2.51 2.59 2.43 2.22    
Costs (As % Of Income) %                           51.6 54.9 58.8 51.4 50.5    
Capital Adequacy Ratio %                           16.0 17.4 19.2 17.9 18.3    
Net Interest Margin % ...                         3.01 2.82 2.59 2.64 2.48    
Interest Income (As % Of Revenues) %                           74.3 61.7 58.9 56.0 56.4    
Fee Income (As % Of Revenues) %                           31.1 28.2 30.1 29.5 29.6    
Staff Cost (As % Of Total Cost) % ...                         55.0 46.9 48.1 51.9 51.7    
Equity (As % Of Assets) %                           6.73 7.43 8.25 8.32 8.86    
Loans (As % Of Deposits) %                           109 92.6 91.6 83.2 82.6    
Loans (As % Assets) %                           59.1 55.8 58.6 65.5 64.7    
NPLs (As % Of Loans) % ...                         11.6 12.1 9.31 5.05 3.43    
Provisions (As % Of NPLs) % ...                         67.8 71.6 75.5 67.1 77.7    
valuation                                        
Market Capitalisation USD mil ...                         4,435 4,323 5,361 11,931 8,355    
Number Of Shares mil ...                         285 292 292 329 329    
Share Price EUR ...                         12.5 13.6 17.4 30.2 22.2    
Earnings Per Share (EPS) EUR ...                         -0.758 1.29 1.35 3.44 4.13    
Book Value Per Share EUR ...                         28.7 29.1 31.6 34.2 37.8    
Dividend Per Share EUR ...                         0 0 0 0 0.930    
Price/Earnings (P/E) ...                         ... 10.6 12.9 8.78 5.37    
Price/Book Value (P/BV) ...                         0.437 0.468 0.551 0.883 0.588    
Dividend Yield % ...                         0 0 0 0 4.19    
Earnings Per Share Growth % ... ...                       -142 -270 4.98 155 20.1    
Book Value Per Share Growth % ... ...                       -43.6 1.28 8.59 8.40 10.4    
income statement Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                        
Interest Income EUR mil                           5,616 4,916 4,044 4,709 4,840    
Interest Cost EUR mil                           1,827 1,590 1,108 1,449 1,427    
Net Interest Income EUR mil                           3,789 3,327 2,935 3,260 3,413    
Net Fee Income EUR mil                           1,586 1,519 1,497 1,719 1,791    
Fee Income EUR mil ...                         2,007 1,987 1,997 2,446 2,545    
Fee Expense EUR mil ...                         421 468 501 727 754    
Other Income EUR mil                           -275 549 547 847 847    
Total Revenues EUR mil                           5,100 5,394 4,980 5,826 6,051    
Staff Cost EUR mil ...                         1,449 1,388 1,409 1,554 1,580    
Depreciation EUR mil ... ... ... ... ... ...               203 181 154 153 137    
Other Cost EUR mil ... ... ... ... ... ...               980 1,391 1,366 1,290 1,339    
Operating Cost EUR mil                           2,632 2,959 2,929 2,996 3,056    
Operating Profit EUR mil                           2,468 2,435 2,051 2,829 2,996    
Provisions EUR mil                           1,750 1,264 754 312 166    
Extra and Other Cost EUR mil                           421 468 501 860 880    
Pre-Tax Profit EUR mil                           297 703 796 1,657 1,949    
Tax EUR mil                           483 272 290 377 402    
Minorities EUR mil                           29.7 56.1 111 130 128    
Net Profit EUR mil                           -216 375 396 1,150 1,419    
Net Profit Avail. to Common EUR mil                           -216 375 396 1,130 1,358    
Dividends EUR mil                           0 0 0 0 306    
growth rates                                        
Net Interest Income Growth % ...                         1.61 -12.2 -11.8 11.1 4.70    
Net Fee Income Growth % ...                         -2.48 -4.21 -1.47 14.8 4.21    
Total Revenue Growth % ...                         -4.31 5.77 -7.69 17.0 3.88    
Operating Cost Growth % ...                         -21.1 12.4 -1.04 2.31 1.99    
Operating Profit Growth % ...                         23.9 -1.34 -15.8 38.0 5.87    
Pre-Tax Profit Growth % ...                         -64.8 137 13.2 108 17.6    
Net Profit Growth % ...                         -138 -274 5.63 190 23.4    
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
balance sheet                                        
Cash & Cash Equivalents EUR mil                           6,769 13,212 12,242 16,906 22,558    
Interbank Loans EUR mil                           15,573 10,837 9,900 ... ... ...  
Customer Loans EUR mil                           71,822 63,866 65,559 88,473 90,594    
Retail Loans EUR mil ...                         22,317 21,878 23,393 30,964 32,120    
Corporate Loans EUR mil ...                         54,157 47,229 46,462 59,755 55,174    
Investments EUR mil                           22,385 21,058 19,626 24,416 22,297    
Property and Equipment EUR mil                           1,408 1,473 1,393 1,540 1,384    
Intangible Assets EUR mil ...                         666 621 598 721 693    
Goodwill EUR mil ...                         47.0 39.6 39.6 95.9 95.6    
Total Assets EUR mil                           121,500 114,427 111,864 135,146 140,115    
                                           
Shareholders' Equity EUR mil                           8,178 8,501 9,232 11,241 12,413    
Of Which Minority Interest EUR mil                           495 535 581 660 701    
Liabilities EUR mil                           113,322 105,926 102,632 123,905 127,702    
Interbank Borrowing EUR mil                           29,286 5,092 5,120 4,788 5,987    
Customer Deposits EUR mil                           66,094 68,991 71,538 106,362 109,698    
Sight Deposits EUR mil ...                         33,348 37,488 44,461 67,041 68,699    
Term Deposits EUR mil ...                         32,746 31,503 27,077 39,321 40,999    
Issued Debt Securities EUR mil                           14,778 28,035 23,665 8,059 8,490    
Other Liabilities EUR mil                           3,164 3,808 2,308 4,696 3,526    
asset quality                                        
Non-Performing Loans EUR mil ...                         9,006 8,456 6,563 4,621 3,193    
Gross Loans EUR mil                           77,925 69,921 70,514 91,575 93,073    
Risk-Weighted Assets EUR mil                           68,721 63,272 60,061 71,902 72,672    
Total Provisions EUR mil                           6,103 6,055 4,955 3,102 2,480    
growth rates                                        
Customer Loan Growth % ...                         -4.27 -11.1 2.65 35.0 2.40    
Retail Loan Growth % ... ...                       -6.06 -1.97 6.92 32.4 3.73    
Corporate Loan Growth % ... ...                       -1.94 -12.8 -1.62 28.6 -7.67    
Total Asset Growth % ...                         -7.00 -5.82 -2.24 20.8 3.68    
Shareholders' Equity Growth % ...                         -21.1 3.95 8.60 21.8 10.4    
Customer Deposit Growth % ...                         -0.515 4.38 3.69 48.7 3.14    
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                         
ROE % ...                         -2.33 4.49 4.47 11.2 12.0    
ROTE % ... ...                       -2.60 4.87 4.79 12.0 12.8    
ROE (@ 15% of RWA) % ...                         -1.94 3.79 4.28 11.6 13.1    
ROA % ...                         -0.171 0.318 0.350 0.931 1.03    
Return on Loans % ...                         -0.294 0.552 0.612 1.49 1.58    
Operating Profit (As % of RWA) % ...                         3.32 3.69 3.33 4.29 4.14    
Costs (As % Of Assets) % ...                         2.09 2.51 2.59 2.43 2.22    
Costs (As % Of Income) %                           51.6 54.9 58.8 51.4 50.5    
Costs (As % Of Loans) % ...                         3.58 4.36 4.53 3.89 3.41    
Costs (As % Of Loans & Deposits) % ...                         1.88 2.19 2.17 1.81 1.55    
Capital Adequacy Ratio %                           16.0 17.4 19.2 17.9 18.3    
Tier 1 Ratio %                           10.8 12.1 13.9 13.7 15.0    
Net Interest Margin % ...                         3.01 2.82 2.59 2.64 2.48    
Interest Spread % ...                         2.89 2.72 2.51 2.53 2.38    
Asset Yield % ...                         4.45 4.17 3.57 3.81 3.52    
Revenues (As % of RWA) % ...                         6.86 8.17 8.08 8.83 8.37    
Cost Of Liabilities % ...                         1.56 1.45 1.06 1.28 1.13    
Payout Ratio %                           0 0 0 0 21.5    
Interest Income (As % Of Revenues) %                           74.3 61.7 58.9 56.0 56.4    
Fee Income (As % Of Revenues) %                           31.1 28.2 30.1 29.5 29.6    
Other Income (As % Of Revenues) %                           -5.39 10.2 11.0 14.5 14.0    
Staff Cost (As % Of Total Cost) % ...                         55.0 46.9 48.1 51.9 51.7    
Equity (As % Of Assets) %                           6.73 7.43 8.25 8.32 8.86    
Equity (As % Of Loans) %                           11.4 13.3 14.1 12.7 13.7    
Loans (As % Of Deposits) %                           109 92.6 91.6 83.2 82.6    
Loans (As % Assets) %                           59.1 55.8 58.6 65.5 64.7    
NPLs (As % Of Loans) % ...                         11.6 12.1 9.31 5.05 3.43    
Provisions (As % Of NPLs) % ...                         67.8 71.6 75.5 67.1 77.7    
Provisions (As % Of Loans) %                           8.50 9.48 7.56 3.51 2.74    
Cost of Provisions (As % Of Loans) % ...                         2.38 1.86 1.17 0.405 0.185    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                         
Branches                           2,866 2,705 2,506 2,409 2,159    
Employees ...                         54,730 51,492 48,556 49,700 47,079    
Employees Per Bank Branch ...                         19.1 19.0 19.4 20.6 21.8    
Cost Per Employee USD per month ...                         2,843 2,574 2,592 2,925 3,275    
Cost Per Employee (Local Currency) EUR per month ...                         2,206 2,246 2,418 2,605 2,796    
Women (As % of Workforce) % ... ... ... ... ... ...               67.0 67.0 67.0 67.0 66.0   ...
Women (As % of Management) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 45.0 46.0   ...
customer breakdown Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                         
Customers mil ... ... ... ... ... ... ... ... ... ...       14.8 14.9 17.0 16.5 16.1 ... ...
                                           
Market Value per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ...       248 266 299 603 454 ... ...
Revenue per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ...       345 362 293 353 377 ... ...
Net Profit per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ...       -14.6 25.2 23.3 69.6 88.3 ... ...
Loan per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ...       4,853 4,286 3,858 5,358 5,640 ... ...
Deposit per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ...       4,466 4,630 4,210 6,441 6,829 ... ...
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ...       300 290 315 723 520 ... ...
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ...       444 415 314 396 441 ... ...
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ...       -18.8 28.8 25.0 78.2 103 ... ...
Loan per Customer USD ... ... ... ... ... ... ... ... ... ...       5,874 4,667 4,074 6,423 6,457 ... ...
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ...       5,405 5,041 4,445 7,721 7,819 ... ...

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RBI's employees fell 3.11% yoy to 45,414 in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int. employed 45,414 persons in 2020-12-31, down 1.43% when compared to the previous year. Historically, the bank's workforce hit an all time high of 63,376 persons in 2008-12-31 and an all time low of 45,414 in 2020-12-31. Average cost reached USD...

RBI's capital adequacy ratio rose 1.67% yoy to 18.3% in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int.'s capital adequacy ratio reached 18.3% at the end of fourth quarter of 2020, up from 17.3% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.2% in 4Q2016 and an all time low of 8.40% in 3Q2...

RBI's costs (as % of assets) fell 12.7% yoy to 1.90% in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int.'s cost to income ratio reached 56.2% in the fourth quarter of 2020, up from 46.8% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 90.8% of income in 4Q2012 and an all time low of 39.0% in...

RBI's costs (as % of assets) fell 12.7% yoy to 1.90% in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int.'s cost to income ratio reached 56.2% in the fourth quarter of 2020, up from 46.8% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 90.8% of income in 4Q2012 and an all time low of 39.0% in...

RBI's net profit fell 53.0% yoy to EUR 175 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int. made a net profit of EUR 175 mil in the fourth quarter of 2020, down 53% when compared to the same period of last year. This implies a return on equity of 4.95%. Historically, the bank’s net profit reached an all time high of EUR 643 mil in 4...

RBI's net profit fell 53.0% yoy to EUR 175 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int. made a net profit of EUR 175 mil under revenues of EUR 1,401 mil in the fourth quarter of 2020, down 53% and 16.1% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EU...

RBI's total revenues remain unchanged yoy at EUR mil in 1Q1970

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int. generated total banking revenues of in, down 0% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR mil in, down 0% when compared to the last year. As a result, Raiffeisen ...

RBI's customer loans remain unchanged yoy at EUR mil in 1Q1970

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int.'s customer loans reached in, down 0% compared to the previous year. Austrian banking sector provided customer loans of EUR bil in, down 0% when compared to the last year. Raiffeisen Bank Int. accounted for of all customer loans iss...

RBI's price/earnings (P/E) remain unchanged yoy at in 4Q2020

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int. stock traded at per share at the end first quarter of 1970 implying a market capitalization of. Since the end of 1Q1965, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.php(41...

RBI's share price (end of period) remain unchanged yoy at EUR in 1Q1970

By Helgi Analytics - March 25, 2021

Raiffeisen Bank Int. stock traded at per share at the end of first quarter of 1970 implying a market capitalization of. Over the last five years, the stock has A PHP Error was encountered Severity: Warning Message: A non-numeric value encountered Filename: src/Environment.ph...

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Raiffeisen Bank International AG (RBI) is an Austrian bank that focuses on corporate and retail banking sector. From a relatively small bank in a country of 8 million people, the bank has grown into one of the biggest players in the region of Central and Eastern Europe (CEE) and the Commonwealth of Independent States (CIS). The bank now operates in 17 different countries, employes about 60,000 people and services approximatelly 14.9 million customers through more than 3,100 branches. The Bank's products include financing, leasing, investing, hedging, trade & export finance, investment banking, cash management, payment services, custody & fund services, and cards, among others. RBI's shares are listed on the Vienna Stock Exchange and are majority-owned by RZB, which is a central institution of the Austrian Raiffeisen Banking Group, the country's largest banking group

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Finance

Raiffeisen Bank Int. has been growing its revenues and asset by 0.395% and 2.38% a year on average in the last 10 years. Its loans and deposits have grown by 3.73% and 8.50% a year during that time and loans to deposits ratio reached 78.5% at the end of 2020. The company achieved an average return on equity of 6.89% in the last decade with net profit growing -2.24% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.7% in 2020, compared to 54.2% average in the last decade.

Equity represented 8.61% of total assets or 14.0% of loans at the end of 2020. Raiffeisen Bank Int.'s non-performing loans were 2.72% of total loans while provisions covered some 89.6% of NPLs at the end of 2020.

Valuation

Raiffeisen Bank Int. stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 9.27% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 6.80x and price to book value (PBV) of 0.384x in 2020.