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Raiffeisen Bank Int.

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. made a net profit of EUR 947 mil in the third quarter of 2023, down 18% when compared to the same period of ...

RBI's net profit fell 18.0% yoy to EUR 947 mil in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. made a net profit of EUR 947 mil under revenues of EUR 2,247 mil in the third quarter of 2023, down 18% and ...

RBI's npls (as % of loans) fell 0.455% yoy to 2.80% in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int.'s non-performing loans reached 2.80% of total loans at the end of 2023-09-30, down from 2.81% compared to th...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income EUR mil 3,263 3,327 5,053
Net Fee Income EUR mil 1,738 1,999 3,878
Other Income EUR mil 947 244 779
Total Revenues EUR mil 5,949 5,570 9,710
Staff Cost EUR mil 1,566 1,579 2,010
Operating Profit EUR mil 2,990 2,592 6,158
Provisions EUR mil 630 295 949
Net Profit EUR mil 881 1,508 3,797
Balance Sheet 2020 2021 2022
Interbank Loans EUR mil 2,974 16,630 15,716
Customer Loans EUR mil 102,225 100,832 103,230
Investments EUR mil 21,845 22,902 23,711
Total Assets EUR mil 165,959 192,101 207,057
Shareholders' Equity EUR mil 14,288 15,475 18,764
Interbank Borrowing EUR mil 6,684 34,607 33,641
Customer Deposits EUR mil 130,251 115,153 125,099
Issued Debt Securities EUR mil 10,780 26,865 29,554
Ratios 2020 2021 2022
ROE % 6.28 10.1 22.2
ROA % 0.554 0.842 1.90
Costs (As % Of Assets) % 1.86 1.66 1.78
Costs (As % Of Income) % 49.7 53.5 36.6
Capital Adequacy Ratio % 18.3 17.6 20.0
Net Interest Margin % 2.05 1.86 2.53
Loans (As % Of Deposits) % 78.5 87.6 82.5
NPLs (As % Of Loans) % 2.72 3.14 2.94
Provisions (As % Of NPLs) % 89.6 62.5 59.0
Valuation 2020 2021 2022
Market Capitalisation USD mil 6,701 9,941 5,883
Number Of Shares mil 329 327 327
Share Price EUR 16.7 25.9 15.4
Price/Earnings (P/E) 6.80 6.18 1.38
Price/Book Value (P/BV) 0.407 0.586 0.284
Dividend Yield % 2.88 4.77 0
Earnings Per Share (EPS) EUR 2.45 4.19 11.1
Book Value Per Share EUR 41.0 44.2 54.0
Dividend Per Share EUR 0.480 1.24 0

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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 2021 2022
income statement                                            
Net Interest Income EUR mil                               2,935 3,260 3,413 3,443 3,263    
Total Revenues EUR mil                               4,980 5,826 6,051 6,144 5,949    
Operating Profit EUR mil                               2,051 2,829 2,996 3,074 2,990    
Net Profit EUR mil                               396 1,150 1,419 1,250 881    
balance sheet                                            
Interbank Loans EUR mil                               9,900 ... ... ... 2,974    
Customer Loans EUR mil                               65,559 88,473 90,593 100,312 102,225    
Investments EUR mil                               19,625 24,416 22,297 21,989 21,845    
Total Assets EUR mil                               111,864 135,146 140,115 152,200 165,959    
                                               
Shareholders' Equity EUR mil                               9,232 11,241 12,413 13,765 14,288    
Interbank Borrowing EUR mil                               5,120 4,788 5,987 6,855 6,684    
Customer Deposits EUR mil                               71,538 106,362 109,698 118,427 130,251    
Issued Debt Securities EUR mil                               23,665 8,059 8,490 9,271 10,780    
ratios                                            
ROE % ...                             4.47 11.2 12.0 9.55 6.28    
ROA % ...                             0.350 0.931 1.03 0.855 0.554    
Costs (As % Of Assets) % ...                             2.59 2.43 2.22 2.10 1.86    
Costs (As % Of Income) %                               58.8 51.4 50.5 50.0 49.7    
Capital Adequacy Ratio %                               19.2 17.9 18.3 18.0 18.3    
Net Interest Margin % ...                             2.59 2.64 2.48 2.36 2.05    
Interest Income (As % Of Revenues) %                               58.9 56.0 56.4 56.0 54.9    
Fee Income (As % Of Revenues) %                               30.1 29.5 29.6 29.2 29.2    
Staff Cost (As % Of Total Cost) % ...                             48.1 51.9 51.7 52.4 52.9    
Equity (As % Of Assets) %                               8.25 8.32 8.86 9.04 8.61    
Loans (As % Of Deposits) %                               91.6 83.2 82.6 84.7 78.5    
Loans (As % Assets) %                               58.6 65.5 64.7 65.9 61.6    
NPLs (As % Of Loans) % ...                             9.31 5.05 3.43 2.87 2.72    
Provisions (As % Of NPLs) % ...                             75.5 67.1 77.7 78.5 89.6    
valuation                                            
Market Capitalisation USD mil ...                             5,361 11,931 8,355 8,262 6,701    
Number Of Shares mil ...                             292 329 329 329 329    
Share Price EUR ...                             17.4 30.2 22.2 22.4 16.7    
Earnings Per Share (EPS) EUR ...                             1.35 3.44 4.13 3.61 2.45    
Book Value Per Share EUR ...                             29.6 32.2 35.6 39.4 41.0    
Dividend Per Share EUR ...                             0 0 0.930 0 0.480    
Price/Earnings (P/E) ...                             12.9 8.78 5.37 6.20 6.80    
Price/Book Value (P/BV) ...                             0.588 0.938 0.623 0.568 0.407    
Dividend Yield % ...                             0 0 4.19 0 2.88    
Earnings Per Share Growth % ... ...                           4.98 155 20.1 -12.7 -32.0    
Book Value Per Share Growth % ...                             8.58 8.89 10.7 10.6 3.96    
income statement Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                            
Interest Income EUR mil                               4,044 4,709 4,840 5,081 4,517    
Interest Cost EUR mil                               1,108 1,449 1,427 1,637 1,253    
Net Interest Income EUR mil                               2,935 3,260 3,413 3,443 3,263    
Net Fee Income EUR mil                               1,497 1,719 1,791 1,797 1,738    
Fee Income EUR mil ...                             1,997 2,446 2,545 2,637 2,532 ... ...
Fee Expense EUR mil ...                             501 727 754 840 794 ... ...
Other Income EUR mil                               547 847 847 904 947    
Total Revenues EUR mil                               4,980 5,826 6,051 6,144 5,949    
Staff Cost EUR mil ...                             1,409 1,554 1,580 1,610 1,566    
Depreciation EUR mil ... ... ... ... ... ...                   154 153 137 227 230    
Other Cost EUR mil ... ... ... ... ... ...                   1,366 1,290 1,339 1,233 1,163    
Operating Cost EUR mil                               2,929 2,996 3,056 3,070 2,958    
Operating Profit EUR mil                               2,051 2,829 2,996 3,074 2,990    
Provisions EUR mil                               754 312 166 234 630    
Extra and Other Cost EUR mil                               501 860 880 1,043 1,033    
Pre-Tax Profit EUR mil                               796 1,657 1,949 1,797 1,327    
Tax EUR mil                               290 377 402 410 341    
Minorities EUR mil                               111 130 128 138 106    
Net Profit EUR mil                               396 1,150 1,419 1,250 881    
Net Profit Avail. to Common EUR mil                               396 1,130 1,358 1,187 806    
Dividends EUR mil                               0 0 306 0 158    
growth rates                                            
Net Interest Income Growth % ...                             -11.8 11.1 4.70 0.888 -5.22    
Net Fee Income Growth % ...                             -1.47 14.8 4.21 0.291 -3.26    
Total Revenue Growth % ...                             -7.69 17.0 3.88 1.53 -3.19    
Operating Cost Growth % ...                             -1.04 2.31 1.99 0.461 -3.64    
Operating Profit Growth % ...                             -15.8 38.0 5.87 2.63 -2.73    
Pre-Tax Profit Growth % ...                             13.2 108 17.6 -7.82 -26.1    
Net Profit Growth % ...                             5.63 190 23.4 -11.9 -29.5    
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                            
Cash & Cash Equivalents EUR mil                               12,242 16,905 22,557 24,289 33,660    
Interbank Loans EUR mil                               9,900 ... ... ... 2,974    
Customer Loans EUR mil                               65,559 88,473 90,593 100,312 102,225    
Retail Loans EUR mil ...                             23,393 30,964 32,120 35,682 35,262    
Corporate Loans EUR mil ...                             46,462 59,755 55,174 61,146 60,640    
Investments EUR mil                               19,625 24,416 22,297 21,989 21,845    
Property and Equipment EUR mil                               1,393 1,540 1,384 1,829 1,684    
Intangible Assets EUR mil ...                             598 721 693 757 763    
Goodwill EUR mil ...                             39.6 95.9 95.6 101 73.2 ... ...
Total Assets EUR mil                               111,864 135,146 140,115 152,200 165,959    
                                               
Shareholders' Equity EUR mil                               9,232 11,241 12,413 13,765 14,288    
Of Which Minority Interest EUR mil                               581 660 701 811 820    
Liabilities EUR mil                               102,632 123,905 127,702 138,435 151,671    
Interbank Borrowing EUR mil                               5,120 4,788 5,987 6,855 6,684    
Customer Deposits EUR mil                               71,538 106,362 109,698 118,427 130,251    
Retail Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Corporate Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Sight Deposits EUR mil ...                             44,461 67,041 68,699 75,624 88,905 ... ...
Term Deposits EUR mil ...                             27,077 39,321 40,999 42,803 41,346 ... ...
Issued Debt Securities EUR mil                               23,665 8,059 8,490 9,271 10,780    
Other Liabilities EUR mil                               2,308 4,696 3,526 3,881 3,955    
asset quality                                            
Non-Performing Loans EUR mil ...                             6,563 4,621 3,193 2,949 2,851    
Gross Loans EUR mil                               70,514 91,575 93,073 102,626 104,780    
Risk-Weighted Assets EUR mil                               60,061 71,902 72,672 77,966 78,864    
Total Provisions EUR mil                               4,955 3,102 2,480 2,314 2,555    
growth rates                                            
Customer Loan Growth % ...                             2.65 35.0 2.40 10.7 1.91    
Retail Loan Growth % ... ...                           6.92 32.4 3.73 11.1 -1.18    
Corporate Loan Growth % ... ...                           -1.62 28.6 -7.67 10.8 -0.827    
Total Asset Growth % ...                             -2.24 20.8 3.68 8.62 9.04    
Shareholders' Equity Growth % ...                             8.60 21.8 10.4 10.9 3.80    
Customer Deposit Growth % ...                             3.69 48.7 3.14 7.96 9.98    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
ROE % ...                             4.47 11.2 12.0 9.55 6.28    
ROTE % ... ...                           4.79 12.0 12.8 10.1 6.64    
ROE (@ 15% of RWA) % ...                             4.28 11.6 13.1 11.1 7.49    
ROA % ...                             0.350 0.931 1.03 0.855 0.554    
Return on Loans %                               0.612 1.49 1.58 1.31 0.870    
Operating Profit (As % of RWA) % ...                             3.33 4.29 4.14 4.08 3.81    
Costs (As % Of Assets) % ...                             2.59 2.43 2.22 2.10 1.86    
Costs (As % Of Income) %                               58.8 51.4 50.5 50.0 49.7    
Costs (As % Of Loans) % ...                             4.53 3.89 3.41 3.22 2.92    
Costs (As % Of Loans & Deposits) % ...                             2.17 1.81 1.55 1.47 1.31    
Capital Adequacy Ratio %                               19.2 17.9 18.3 18.0 18.3    
Tier 1 Ratio %                               13.9 13.7 15.0 15.5 15.7    
Net Interest Margin % ...                             2.59 2.64 2.48 2.36 2.05    
Interest Spread % ...                             2.51 2.53 2.38 2.25 1.98    
Asset Yield % ...                             3.57 3.81 3.52 3.48 2.84    
Revenues (As % of RWA) % ...                             8.08 8.83 8.37 8.16 7.59    
Cost Of Liabilities % ...                             1.06 1.28 1.13 1.23 0.864    
Payout Ratio %                               0 0 21.5 0 17.9    
Interest Income (As % Of Revenues) %                               58.9 56.0 56.4 56.0 54.9    
Fee Income (As % Of Revenues) %                               30.1 29.5 29.6 29.2 29.2    
Other Income (As % Of Revenues) %                               11.0 14.5 14.0 14.7 15.9    
Staff Cost (As % Of Total Cost) % ...                             48.1 51.9 51.7 52.4 52.9    
Equity (As % Of Assets) %                               8.25 8.32 8.86 9.04 8.61    
Equity (As % Of Loans) %                               14.1 12.7 13.7 13.7 14.0    
Loans (As % Of Deposits) %                               91.6 83.2 82.6 84.7 78.5    
Loans (As % Assets) %                               58.6 65.5 64.7 65.9 61.6    
NPLs (As % Of Loans) % ...                             9.31 5.05 3.43 2.87 2.72    
Provisions (As % Of NPLs) % ...                             75.5 67.1 77.7 78.5 89.6    
Provisions (As % Of Loans) %                               7.56 3.51 2.74 2.31 2.50    
Cost of Provisions (As % Of Loans) % ...                             1.17 0.405 0.185 0.245 0.622    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
Branches                               2,506 2,409 2,159 2,040 1,857    
Employees ...                             48,556 49,700 47,079 46,873 45,414    
Employees Per Bank Branch ...                             19.4 20.6 21.8 23.0 24.5    
Cost Per Employee USD per month ...                             2,592 2,925 3,275 3,244 3,361    
Cost Per Employee (Local Currency) EUR per month ...                             2,418 2,605 2,796 2,862 2,873    
Women (As % of Workforce) % ... ... ... ... ... ...                   67.0 67.0 66.0 66.0 ... ... ...
Women (As % of Management) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 45.0 46.0 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 2021 2022
                                             
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 17.0 16.5 16.1 16.7 17.2    
                                               
Market Value per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 299 603 454 441 319    
Revenue per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 293 353 377 368 346    
Net Profit per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 23.3 69.6 88.3 74.8 51.2    
Loan per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3,858 5,358 5,640 6,007 5,943    
Deposit per Customer (Local Currency) EUR ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,210 6,441 6,829 7,091 7,573    
Market Value per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 315 723 520 495 390    
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 314 396 441 417 405    
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 25.0 78.2 103 84.8 59.9    
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,074 6,423 6,457 6,738 7,268    
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,445 7,721 7,819 7,955 9,260    
central europe Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
Net Interest Income in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     667 950 965 830 787    
Fee Income in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     389 557 549 441 410    
Other Income in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1.08 63.7 3.40 56.3 75.1    
Total Revenues in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,057 1,571 1,517 1,327 1,272    
Operating Cost in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     659 887 854 768 714    
Operating Profit in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     398 684 663 559 558    
Provisions in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     35.3 59.4 122 38.2 177    
Other Cost in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     -24.3 94.4 93.3 118 132    
Pre-Tax Profit in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     387 530 447 402 249    
Net Profit in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     319 419 346 290 180    
Net Profit Avail. to Common in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     265 363 290 221 128    
                                               
Total Assets in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     32,052 46,814 40,353 42,094 45,280    
Loans in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     21,213 30,281 27,737 29,603 29,857    
Deposits in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     24,094 35,606 29,619 31,967 34,393    
Equity in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,865 3,061 4,034 3,147 3,237    
Risk-Weighted Assets in Central Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     14,487 24,807 21,615 22,114 20,434    
Branches in Central Europe ... ... ... ... ... ... ... ... ... ... ... ... ...     411 631 396 391 368    
Employees in Central Europe ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 9,319 13,069 9,692 9,915 9,244    
Customers in Central Europe mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.56 3.39 2.59 2.75 2.86    
                                               
Net Interest Margin in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     2.26 2.41 2.21 2.01 1.80    
Costs (As % Of Income) in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     62.4 56.5 56.3 57.9 56.2    
Loans (As % Of Deposits) in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     88.0 85.0 93.6 92.6 86.8    
ROE in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     17.9 17.0 9.76 8.08 5.64    
Provisions (As % Of NPLs) in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     71.3 67.7 56.0 58.6 63.1    
NPLs (As % Of Loans) in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     5.29 4.97 2.82 2.36 1.92    
Cost of Provisions (As % Of Loans) in Central Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     0.177 0.231 0.422 0.133 0.595    
                                               
Revenues in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     21.2 27.0 25.1 21.6 21.4    
Operating Profit in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     19.4 24.2 22.1 18.2 18.7    
Net Profit in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     66.9 31.5 20.5 17.7 14.6    
Assets in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     28.7 34.6 28.8 27.7 27.3    
RWA in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     24.1 34.5 29.7 28.4 25.9    
Loans in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     32.4 34.2 30.6 29.5 29.2    
Deposits in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     33.7 33.5 27.0 27.0 26.4    
Branches in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     16.4 26.2 18.3 19.2 19.8    
Employees in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 19.2 26.3 20.6 21.2 20.4    
Customers in Central Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15.1 20.5 16.1 16.5 16.6    
southeastern europe Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
Net Interest Income in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     738 731 814 867 849    
Fee Income in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     392 401 421 417 377    
Other Income in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     80.5 56.4 61.6 55.2 42.7    
Total Revenues in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,210 1,189 1,297 1,339 1,269    
Operating Cost in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     682 678 699 705 687    
Operating Profit in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     528 511 599 635 582    
Provisions in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     175 113 61.3 69.7 178    
Other Cost in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     -8.50 -5.04 12.1 84.3 77.3    
Pre-Tax Profit in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     361 404 525 481 326    
Net Profit in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     299 346 452 410 273    
Net Profit Avail. to Common in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     299 345 452 413 273    
                                               
Total Assets in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     23,033 23,710 25,360 26,986 29,897    
Loans in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     13,513 13,064 14,633 15,915 16,294    
Deposits in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     17,296 18,275 20,040 21,529 24,292    
Equity in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,850 2,090 2,455 2,933 3,310    
Risk-Weighted Assets in Southeastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     14,225 14,485 15,136 15,903 16,629    
Branches in Southeastern Europe ... ... ... ... ... ... ... ... ... ... ... ... ...     1,015 978 962 894 864    
Employees in Southeastern Europe ... ... ... ... ... ... ... ... ... ... ... ... ...     14,893 14,792 14,646 14,480 14,344    
Customers in Southeastern Europe mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.72 5.37 5.29 5.37 5.37    
                                               
Net Interest Margin in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     3.27 3.13 3.32 3.31 2.99    
Costs (As % Of Income) in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     56.4 57.0 53.9 52.6 54.2    
Loans (As % Of Deposits) in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     78.1 71.5 73.0 73.9 67.1    
ROE in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     16.7 17.6 19.9 15.2 8.76    
Provisions (As % Of NPLs) in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     79.7 81.0 63.5 69.9 70.8    
NPLs (As % Of Loans) in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     10.5 7.55 3.56 2.97 2.75    
Cost of Provisions (As % Of Loans) in Southeastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     1.32 0.847 0.442 0.456 1.11    
                                               
Revenues in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     24.3 20.4 21.4 21.8 21.3    
Operating Profit in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     25.7 18.1 20.0 20.6 19.5    
Net Profit in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     75.6 30.0 31.8 33.0 31.0    
Assets in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     20.6 17.5 18.1 17.7 18.0    
RWA in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     23.7 20.1 20.8 20.4 21.1    
Loans in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     20.6 14.8 16.2 15.9 15.9    
Deposits in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     24.2 17.2 18.3 18.2 18.7    
Branches in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     40.5 40.6 44.6 43.8 46.5    
Employees in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     30.7 29.8 31.1 30.9 31.6    
Customers in Southeastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 33.6 32.5 33.0 32.1 31.2    
eastern europe Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
Net Interest Income in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     864 982 1,022 1,142 1,060    
Fee Income in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     391 462 466 557 519    
Other Income in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     48.7 23.8 41.5 43.0 53.8    
Total Revenues in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,304 1,468 1,529 1,743 1,632    
Operating Cost in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     520 600 631 685 615    
Operating Profit in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     784 868 898 1,058 1,017    
Provisions in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     163 -5.27 31.9 58.9 138    
Other Cost in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     -16.6 0.659 10.9 59.0 67.9    
Pre-Tax Profit in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     637 872 855 940 811    
Net Profit in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     511 689 684 735 639    
Net Profit Avail. to Common in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     458 624 627 680 590    
                                               
Total Assets in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     15,319 15,579 18,192 23,381 20,721    
Loans in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     10,719 10,031 11,117 14,465 11,560    
Deposits in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     10,957 11,731 13,901 17,712 16,224    
Equity in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,488 1,702 1,940 2,678 1,955    
Risk-Weighted Assets in Eastern Europe EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     11,567 11,247 12,260 15,054 12,860    
Branches in Eastern Europe ... ... ... ... ... ... ... ... ... ... ... ... ...     771 775 779 732 604    
Employees in Eastern Europe ... ... ... ... ... ... ... ... ... ... ... ... ...     17,827 18,132 18,750 18,356 16,982    
Customers in Eastern Europe mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.66 5.73 6.05 6.66 7.00    
                                               
Net Interest Margin in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     5.86 6.36 6.05 5.50 4.81    
Costs (As % Of Income) in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     39.9 40.9 41.3 39.3 37.7    
Loans (As % Of Deposits) in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     97.8 85.5 80.0 81.7 71.3    
ROE in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     32.7 43.2 37.6 31.8 27.6    
Provisions (As % Of NPLs) in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     85.7 78.6 61.8 60.0 57.0    
NPLs (As % Of Loans) in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     14.7 6.36 2.92 2.02 2.14    
Cost of Provisions (As % Of Loans) in Eastern Europe % ... ... ... ... ... ... ... ... ... ... ... ... ...     1.57 -0.051 0.302 0.461 1.06    
                                               
Revenues in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     26.2 25.2 25.3 28.4 27.4    
Operating Profit in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     38.2 30.7 30.0 34.4 34.0    
Net Profit in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     116 54.3 44.2 54.5 67.0    
Assets in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     13.7 11.5 13.0 15.4 12.5    
RWA in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     19.3 15.6 16.9 19.3 16.3    
Loans in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     16.4 11.3 12.3 14.4 11.3    
Deposits in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     15.3 11.0 12.7 15.0 12.5    
Branches in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     30.8 32.2 36.1 35.9 32.5    
Employees in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     36.7 36.5 39.8 39.2 37.4    
Customers in Eastern Europe (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 33.3 34.7 37.7 39.9 40.7    
group corporates & markets Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
Net Interest Income in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     609 587 534 598 582    
Fee Income in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     286 308 371 394 417    
Other Income in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     261 204 189 184 219    
Total Revenues in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     1,156 1,099 1,094 1,177 1,219    
Operating Cost in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     658 648 647 700 678    
Operating Profit in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     498 451 447 477 541    
Provisions in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     112 137 -62.3 63.7 134    
Other Cost in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     45.7 56.7 21.0 52.4 42.6    
Pre-Tax Profit in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     341 257 488 361 365    
Net Profit in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     299 209 393 283 288    
Net Profit Avail. to Common in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     291 203 388 278 273    
                                               
Total Assets in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     39,611 38,935 44,488 53,706 58,083    
Loans in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 24,816 22,843 26,953 29,720 32,179    
Deposits in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     20,219 20,934 23,020 27,601 28,822    
Equity in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     2,411 2,891 3,457 3,025 3,393    
Risk-Weighted Assets in Corporates & Markets EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     18,600 20,154 22,683 24,581 27,463    
Branches in Corporates & Markets ... ... ... ... ... ... ... ... ... ... ... ... ...     20.0 25.0 22.0 23.0 21.0    
Employees in Corporates & Markets ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,530 2,680 2,879 2,908 3,099    
Customers in Corporates & Markets mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.00 2.02 2.13 1.97 1.93    
                                               
Net Interest Margin in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ...     1.42 1.49 1.28 1.22 1.04    
Costs (As % Of Income) in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ...     56.9 59.0 59.1 59.5 55.6    
Loans (As % Of Deposits) in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 123 109 117 108 112    
ROE in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ...     10.8 7.89 12.4 8.73 8.98    
Provisions (As % Of NPLs) in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 67.2 48.2 54.1 55.9 53.4    
NPLs (As % Of Loans) in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.53 4.92 2.36 1.68 1.67    
Cost of Provisions (As % Of Loans) in Corporates & Markets % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.451 0.574 -0.250 0.225 0.433    
                                               
Revenues in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     23.2 18.9 18.1 19.2 20.5    
Operating Profit in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     24.3 15.9 14.9 15.5 18.1    
Net Profit in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     73.4 17.6 27.3 22.3 31.0    
Assets in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     35.4 28.8 31.8 35.3 35.0    
RWA in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     31.0 28.0 31.2 31.5 34.8    
Loans in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 37.9 25.8 29.8 29.6 31.5    
Deposits in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     28.3 19.7 21.0 23.3 22.1    
Branches in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     0.798 1.04 1.02 1.13 1.13    
Employees in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.21 5.39 6.12 6.20 6.82    
Customers in Corporates & Markets (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 11.8 12.2 13.3 11.8 11.2    
corporate center Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                             
Net Interest Income in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     381 86.2 -31.6 -86.9 -77.0    
Fee Income in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     29.6 -7.95 -8.57 -14.4 20.5    
Other Income in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     73.0 1,016 727 913 725    
Total Revenues in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     484 1,094 687 812 668    
Operating Cost in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     354 342 344 354 371    
Operating Profit in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     130 752 343 459 297    
Provisions in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     9.39 3.61 5.05 2.06 2.35    
Other Cost in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     231 136 212 101 173    
Pre-Tax Profit in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     -110 612 125 356 122    
Net Profit in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     -81.0 632 211 422 157    
Net Profit Avail. to Common in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     -87.5 632 210 422 157    
                                               
Total Assets in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     34,259 30,981 35,331 31,549 32,577    
Loans in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3,288 3,662 3,038 4,043 3,081    
Deposits in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 470 1,398 4,381 1,464 2,058    
Equity in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     2,062 2,129 2,528 6,695 7,483    
Risk-Weighted Assets in Corporate Center EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ...     15,395 13,884 16,259 13,333 13,680    
Employees in Corporate Center ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,061 1,027 1,112 1,214 1,745    
                                               
Net Interest Margin in Corporate Center % ... ... ... ... ... ... ... ... ... ... ... ... ...     1.24 0.264 -0.095 -0.260 -0.240    
Costs (As % Of Income) in Corporate Center % ... ... ... ... ... ... ... ... ... ... ... ... ...     73.1 31.3 50.1 43.5 55.5    
Loans (As % Of Deposits) in Corporate Center % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 700 262 69.3 276 150    
ROE in Corporate Center % ... ... ... ... ... ... ... ... ... ... ... ... ...     -3.95 30.2 9.04 9.15 2.22    
Cost of Provisions (As % Of Loans) in Corporate Center % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.286 0.104 0.151 0.058 0.066    
                                               
Revenues in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     9.72 18.8 11.3 13.2 11.2    
Operating Profit in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     6.34 26.6 11.4 14.9 9.94    
Net Profit in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     -22.1 55.0 14.8 33.7 17.9    
Assets in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     30.6 22.9 25.2 20.7 19.6    
RWA in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ...     25.6 19.3 22.4 17.1 17.3    
Loans in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5.02 4.14 3.35 4.03 3.01    
Deposits in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.657 1.31 3.99 1.24 1.58    
Employees in Corporate Center (as % of Total) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.18 2.07 2.36 2.59 3.84    

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RBI's employees rose 1.79% yoy to 44,810 in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. employed 44,810 persons in 2023-09-30, up 0.563% 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 44,024 in 2022-09-30. Average cost reached USD ...

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

By Helgi Library - August 24, 2023

Raiffeisen Bank Int.'s customer deposits reached EUR 71,538 mil in 2016-12-31, up 1.54% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 395 bil in 2016-12-31, up 0.573% when compared to the last year. Raiffeisen Ba...

RBI's capital adequacy ratio rose 8.74% yoy to 19.7% in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int.'s capital adequacy ratio reached 19.7% at the end of third quarter of 2023, down from 19.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.1% in 1Q2023 and an all time low of 8.40% in 3Q...

RBI's costs (as % of assets) rose 0.467% yoy to 1.71% in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int.'s cost to income ratio reached 39.1% in the third quarter of 2023, down from 47.6% 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 34.2% i...

RBI's costs (as % of assets) rose 0.467% yoy to 1.71% in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int.'s cost to income ratio reached 39.1% in the third quarter of 2023, down from 47.6% 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 34.2% i...

RBI's net interest income rose 3.53% yoy to EUR 1,441 mil in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int. generated total banking revenues of EUR 2,247 mil in the third quarter of 2023, down 16.8% when compared to the same period of last year and up 2.28% when compared to the previous quarter. Historically, the bank’s revenues con...

RBI's net interest margin rose 9.52% yoy to 2.81% in 3Q2023

By Helgi Library - November 4, 2023

Raiffeisen Bank Int.'s net interest margin amounted to 2.81% in the third quarter of 2023, up from 2.62% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.82% in 3Q2010 and an all time low of ...

RBI's price/earnings (P/E) rose 40.1% yoy to 1.29 in 3Q2023

By Helgi Library - November 4, 2023

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(35...

RBI's total revenues fell 11.5% yoy to EUR 1,272 mil in 3Q2016

By Helgi Library - August 24, 2023

Raiffeisen Bank Int. generated total banking revenues of EUR 1,272 mil in 2016-09-30, down 8.62% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 4,107 mil in 2016-09-30, down 24.2% when compared to...

RBI's customer loans fell 3.97% yoy to EUR 64,567 mil in 3Q2016

By Helgi Library - August 24, 2023

Raiffeisen Bank Int.'s customer loans reached EUR 64,567 mil in 2016-09-30, down 1.34% compared to the previous year. Austrian banking sector provided customer loans of EUR 433 bil in 2016-09-30, down 0.057% when compared to the last year. Raiffeisen Bank...

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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 6.26% and 4.28% a year on average in the last 10 years. Its loans and deposits have grown by 2.88% and 6.56% a year during that time and loans to deposits ratio reached 82.5% at the end of 2022. The company achieved an average return on equity of 8.33% in the last decade with net profit growing 17.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 36.6% in 2022, compared to 52.0% average in the last decade.

Equity represented 9.06% of total assets or 18.2% of loans at the end of 2022. Raiffeisen Bank Int.'s non-performing loans were 2.94% of total loans while provisions covered some 59.0% of NPLs at the end of 2022.

Valuation

Raiffeisen Bank Int. stock traded at per share at the end of 2022 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 12.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 1.38x and price to book value (PBV) of 0.284x in 2022.

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