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Raiffeisen Bank Int.

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Raiffeisen Bank Int.

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

Read more »
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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AnnualQuarterly
summary Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

                      3,472 3,729 3,789 3,327 3,197    
                      5,394 5,471 5,496 4,926 4,937    
                      2,130 1,990 1,655 1,934 1,795    
                      725 603 -617 379 520    

balance sheet

                      2,708 22,243 15,573 10,837 10,981    
                      77,701 75,029 71,822 63,866 74,524    
                      24,574 21,064 22,385 21,058 27,635    
                      136,116 130,640 121,500 114,427 134,804    
                      10,873 10,364 8,178 8,501 9,752    
                      30,186 30,105 22,408 16,369 24,060    
                      66,297 66,437 66,094 68,991 80,325    
                      17,227 16,737 17,471 12,593 14,374    

ratios

                      6.65% 5.68% -6.65% 4.54% 5.70%    
                      0.512% 0.452% -0.489% 0.321% 0.417%    
                      2.31% 2.61% 3.05% 2.50% 2.52%    
                      60.5% 63.7% 70.1% 59.9% 63.6%    
                      15.6% 15.9% 15.1% 16.8% 17.1%    
                      2.45% 2.80% 3.01% 2.82% 2.57%    
                      64.4% 68.2% 68.9% 67.5% 64.8%    
                      28.1% 29.7% 28.9% 30.8% 32.4%    
...                     49.2% 46.8% 37.6% 47.1% 49.4%    
                      7.99% 7.93% 6.73% 7.43% 7.23%    
                      117% 113% 109% 92.6% 92.8%    
                      57.1% 57.4% 59.1% 55.8% 55.3%    
...                     9.82% 10.7% 11.4% 11.9% 8.66%    
...                     68.9% 64.7% 68.8% 72.7% 75.9%    

valuation

...                     8,116 6,905 4,447 4,341 5,367    
...                     196 196 293 293 293    
...                     31.5 25.6 12.5 13.6 17.4    
...                     3.71 3.08 -2.11 1.29 1.77    
...                     55.6 53.0 27.9 29.0 33.3    
...                     2.48 2.76 0 0 0    
...                     8.48 8.31 ... 10.5 9.79    
...                     0.566 0.483 0.449 0.469 0.522    
...                     7.89% 10.8% 0% 0% 0%    
... ...                   -25.0% -16.9% -168% -161% 37.3%    
... ...                   -0.575% -4.68% -47.3% 3.95% 14.7%    

Download Data
income statement Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
Dividends EUR mil
                      6,479 6,084 5,616 4,916 4,513    
                      3,007 2,355 1,827 1,590 1,316    
                      3,472 3,729 3,789 3,327 3,197    
                      1,516 1,626 1,586 1,519 1,599    
                      406 116 121 80.6 140    
                      5,394 5,471 5,496 4,926 4,937    
...                     1,606 1,632 1,450 1,389 1,552    
...                     401 431 381 351 375    
...                     1,257 1,424 2,020 1,211 1,214    
                      3,264 3,487 3,850 2,952 3,141    
                      2,130 1,990 1,655 1,934 1,795    
                      1,009 1,149 1,750 1,264 758    
                      89.8 6.26 9.75 -41.1 91.6    
                      1,032 835 -105 711 946    
                      284 232 483 276 310    
                      22.3 45.6 29.7 56.1 116    
                      725 603 -617 379 520    
                      485 539 0 0 0    

growth rates

...                     -5.32% 7.39% 1.61% -12.2% -3.89%    
...                     1.78% 7.24% -2.48% -4.21% 5.26%    
...                     -6.87% 1.42% 0.460% -10.4% 0.204%    
...                     4.60% 6.84% 10.4% -23.3% 6.42%    
...                     -20.3% -6.58% -16.8% 16.8% -7.15%    
...                     -24.9% -19.1% -113% -779% 33.1%    
...                     -25.0% -16.9% -202% -161% 37.3%    

Download Data
balance sheet Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

                      1,099 6,674 6,769 13,212 16,839    
                      2,708 22,243 15,573 10,837 10,981    
                      77,701 75,029 71,822 63,866 74,524    
...                     29,134 26,578 24,935 24,635 25,578    
... ... ... ... ...             14,667 19,115 17,103 16,815 17,502    
... ... ... ... ...             14,468 7,463 7,832 7,820 8,077    
...                     52,261 52,409 51,539 44,472 65,000    
                      24,574 21,064 22,385 21,058 27,635    
                      2,918 2,843 2,074 2,094 2,519    
                      136,116 130,640 121,500 114,427 134,804    
                      10,873 10,364 8,178 8,501 9,752    
                      719 485 495 535 655    
                      125,243 120,276 113,322 105,926 125,053    
                      30,186 30,105 22,408 16,369 24,060    
                      66,297 66,437 66,094 68,991 80,325    
...                     33,034 31,339 30,926 33,644 38,529    
...                     31,567 33,858 34,018 33,634 40,331    
... ... ... ... ... ... ... ... ... ... ... ... 35,214 40,582 36,151 44,461   ...
... ... ... ... ... ... ... ... ... ... ... ... 31,223 25,512 32,840 35,864   ...
                      17,227 16,737 17,471 12,593 14,374    
                      11,532 6,998 7,349 7,972 6,294    

asset quality

...                     8,183 8,657 8,876 8,328 6,911    
                      83,343 80,635 77,925 69,921 79,769    
                      5,642 5,605 6,103 6,055 5,245    

growth rates

...                     1.54% -3.44% -4.27% -11.1% 16.7%    
... ...                   24.8% -8.77% -6.18% -1.20% 3.83%    
... ... ... ... ... ...           37.3% 30.3% -10.5% -1.68% 4.08%    
... ... ... ... ... ...           14.2% -48.4% 4.95% -0.158% 3.29%    
... ...                   -6.47% 0.284% -1.66% -13.7% 46.2%    
...                     -7.39% -4.02% -7.00% -5.82% 17.8%    
...                     -0.575% -4.68% -21.1% 3.95% 14.7%    
...                     -0.674% 0.210% -0.515% 4.38% 16.4%    
... ...                   13.3% -5.13% -1.32% 8.79% 14.5%    
... ...                   -11.4% 7.26% 0.472% -1.13% 19.9%    

Download Data
ratios Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

                      6.65% 5.68% -6.65% 4.54% 5.70%    
                      0.512% 0.452% -0.489% 0.321% 0.417%    
                      2.31% 2.61% 3.05% 2.50% 2.52%    
                      60.5% 63.7% 70.1% 59.9% 63.6%    
                      15.6% 15.9% 15.1% 16.8% 17.1%    
                      11.2% 11.2% 10.8% 12.1% 12.4%    
                      2.45% 2.80% 3.01% 2.82% 2.57%    
...                     2.28% 2.64% 2.89% 2.72% 2.48%    
                      4.58% 4.56% 4.45% 4.17% 3.62%    
...                     2.30% 1.92% 1.56% 1.45% 1.14%    
                      66.9% 89.4% 0% 0% 0%    
                      64.4% 68.2% 68.9% 67.5% 64.8%    
                      28.1% 29.7% 28.9% 30.8% 32.4%    
                      7.52% 2.11% 2.20% 1.64% 2.84%    
...                     2,860 3,117 2,845 2,578 2,760    
...                     2,227 2,348 2,207 2,249 2,577    
...                     49.2% 46.8% 37.6% 47.1% 49.4%    
                      7.99% 7.93% 6.73% 7.43% 7.23%    
                      117% 113% 109% 92.6% 92.8%    
                      57.1% 57.4% 59.1% 55.8% 55.3%    
...                     9.82% 10.7% 11.4% 11.9% 8.66%    
...                     68.9% 64.7% 68.8% 72.7% 75.9%    
                      7.26% 7.47% 8.50% 9.48% 7.04%    
                      1.31% 1.50% 2.38% 1.86% 1.09%    

Download Data
other data Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

                      3,106 3,025 2,866 2,705 2,522    
...                     60,084 57,901 54,730 51,492 50,203    
... ... ... ... ... ... ... ... ... ...   14.2 14.6 14.8 14.9 17.0    
... ... ... ... ... ... ... ... ... ... ... ... 53.0% 61.4% 52.4% 55.4%   ...
                      68,136 79,897 68,721 63,272 67,911    

Download Data
Raiffeisen Bank International in Quarterly Numbers

This Quarterly statistical dossier offers a summary of Raiffeisen Bank International's performance between Mar 13 and Jun 19 on an quarterly 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

Read more »

This Quarterly statistical dossier offers a summary of Raiffeisen Bank International's performance between Mar 13 and Jun 19 on an quarterly 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 RBI'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.

Comparison of 11 Companies within Raiffeisen New Europe

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

Read more »

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 9 Companies within Raiffeisen Austria

This Annual Statistical Dossier offers a comparison of 9 banks from Raiffeisen Austria from 2001 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

Read more »

This Annual Statistical Dossier offers a comparison of 9 banks from Raiffeisen Austria from 2001 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.

Alternatively, you can find similar data for the Austrian 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.

Comparison of 20 Banks in Austria

This Annual Statistical Dossier offers a comparison of 20 Austrian banks 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

Read more »

This Annual Statistical Dossier offers a comparison of 20 Austrian banks 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.

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 International in Numbers

This Annual statistical dossier offers a summary of Raiffeisen Bank International's performance between 2001 and 2018 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

Read more »

This Annual statistical dossier offers a summary of Raiffeisen Bank International's performance between 2001 and 2018 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 RBI'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 International in Numbers

This Statistical Dossier offers a summary of Raiffeisen Bank International's performance between 2001 and 2015 on an annual basis. The report can be downloaded in Excel file format.

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

Read more »

This Statistical Dossier offers a summary of Raiffeisen Bank International's performance between 2001 and 2015 on an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, 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 businesses such as its loan portfolio.

If you are only interested in specific areas of the Bank's business, you find and download them at the Bank's Corporate Profile.

If you want to see more reports about the Bank, please, go to the Bank's Reports Page.

Raiffeisen Bank International 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, employs about 60,000 people and services approximatelly 14.9 million customers through more than 2,700 branches. 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

Raiffeisenbank Czech Rep. at a Glance

Raiffeisenbank is the fifth largest bank in the Czech Republic, with a 4.5% market share. From a greenfield start-up back in 1993, the bank acquired a purely Internet bank, e-banka, in 2006. Originally a corporate-oriented bank, Raiffeisen has been focusing increasingly on the retail area. In the last five years, the bank has doubled its market share in retail loans,

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Raiffeisenbank is the fifth largest bank in the Czech Republic, with a 4.5% market share. From a greenfield start-up back in 1993, the bank acquired a purely Internet bank, e-banka, in 2006. Originally a corporate-oriented bank, Raiffeisen has been focusing increasingly on the retail area. In the last five years, the bank has doubled its market share in retail loans, deposits and branch network to around 4-6%.

Although profitability and cost-efficiency have been solid over the last five years (its ROE averaged around 15%, while its costs-to-income ratio has been oscillating around 50%), its relatively weak capitalisation (with capital adequacy at only 12.4% compared to the market's average of 16.4% in 1Q2013) and funding (with loans to deposits still exceeding 100%) forced the bank to retreat somewhat from its aggressive strategy in 2011-2012. This was especially visible in the mortgage lending business, where Raiffeisen's market share dropped from 8.7% in 2010 to 7.3% in 2012.

This report offers a summary of the company's performance in 2004-2012. 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

Raiffeisen Bank International at a Glance

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,

Read more »

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 14.4 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.

This report offers a summary of the company's performance in 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and all the main ratios related to the bank's business.

Raiffeisenbank - Analysis of Mortgage Lending in 1Q13

This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage

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This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage busines for each bank.

This report focuses specifically on development in Raiffeisenbank CR in the 1Q2013. The key highlights are:

Mortgage loan book is still 6% down yoy...

Raiffeisenbank’s mortgage loans increased 0.16% qoq in 1Q13. Despite being still  5.6% down when compared to a year ago, the fall seen in the years 2011-2012 seems to be over now. But, the loans provided by Raiffeisen’s building society continued falling, 1.2% qoq in 1Q13.

...but 1Q13 confirms the worst might be over

Following the aggressive period in 2005-2008 when Raiffeisenbank increased market share in mortgage lending from 2.6% to 9.3%, the bank has been backing off from its conquered positions. At the end of 2012, the bank held 7.26% of the market losing a further 125 bp during the year.

Relatively weak capitalization, funding constraints, already high exposure to the housing market and the expiry of a large part of the portfolio seem to be among the reasons for the retreat.

Second half of 2012 and 1Q13 suggest however that the bank is coming back to the business. From its lows in 1Q12, Raiffeisen sold 7.5% of total new loans in 3Q12, 9.1% in 4Q12  and 9.5% in 1Q13 regaining some of its old positions.

With a capital adequacy ratio over 12% and loans to deposits at 106% at the end of March, Raiffeisenbank has still a capacity to grow in the coming quarters.

Mortgage lending – 20% of Raiffeisen’s profit?

Mortgage loans represented almost 35% of Raiffeisen’s total loans at the end of 1Q13. That is up from 13% seen at the end of 2004. Together with its 10% stake in Raiffeisen Building Society, Raiffeisenbank’s housing loans represent 37% of total loan book, the second highest figure on the market among universal banks, just behind ČSOB.

When Hypoteční banka’s financials are taken as a benchmark (for more details see page 9), we believe the mortgage lending business generates around 20% of Raiffeisenbank’s operating and nearly a third of bank’s total net profit now:

This is the highest share on the market (with the exception of the specialized mortgage players such as Hypoteční and Wustenrot. ČSOB follows with a 20% share while mortgage business seems to form 10-15% of total profits at Komerční Banka, Česká Spořitelna or UniCredit according to our calculation.

Analysis of Mortgage Lending in 1Q13

This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage

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This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage business for each bank.

This report provides a summary of the development in the 1Q2013. The key highlights are:

  • Mortgage loans increased by less than 1% qoq in the seasonally weakest quarter of the year, but the overall momentum stabilized. The annual increase remained unchanged at 6.3% yoy and sales of new loans of CZK 27.8 bil were nearly as high as in the same quarter last year:
  • Mortgage loans reached 18.2% of GDP at the end of March 2013, or more than a third of bank loans when other housing loans are included. Nearly 15% of Czech households have a mortgage loan now, while more than 14% of residential dwellings were financed through a mortgage loan, according to our calculations.
  • The average interest rate on mortgage loans continues to decline in line with the overall market trends. It reached 3.17% in 1Q13 while the average interest rate on the total mortgage loan stock dropped below 4.5%. This would imply that new loans were sold still with a decent 220 bp margin over a 5-year swap in 1Q13.
  • The share of non-performing loans increased slightly in the 1Q13, from 3.16% to 3.30% of total mortgage loans at the end of March. This is a result of the overall low indebtedness of Czech households, strict lending procedures and only a mild fall in real estate prices. Czech housing affordability remains one of the best in Europe.
  • As mortgage loans have grown to a sizable amount, the business  has become much more cost-efficient and profitable. We estimate mortgage business generates ROE of over 20% and contributes around 15% to the banking sector’s bottom line. LBBW and Raiffeisen seem to generate over 20% of their profits from mortgages when Hypoteční Banka’s results are taken as a guide.
  • The three largest banks (ČSOB, Česká Spořitelna and Komerční banka) further cemented their market position in 1Q13 taking their share to 65.4%.  ČSOB remains the leader closely followed by Spořitelna. In 1Q13, Raiffeisen confirmed its turnaround while GE Money Bank continued losing its market position the most.

Raiffeisen Bank Int.'s Cost of Risk (loan loss provisions as % of total assets) amounted to 0.007% in the second quarter of 2019, down from 0.025% when compared to the previous quarter.

Historically, the bank’s cost of risk

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Raiffeisen Bank Int.'s Cost of Risk (loan loss provisions as % of total assets) amounted to 0.007% in the second quarter of 2019, down from 0.025% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 2.20% in 4Q2014 and an all time low of -0.238% in 1Q2018. The average cost of risk in the last six quarters amounted to 0.084%.

On the other hand, average asset yield was 3.41% in 2Q2019, up from 3.35% when compared to the same period last year. Cost of funding amounted to 1.24% in 2Q2019, up from 1.09%.

When compared to bank's main peers, PKO BP operated in the second quarter of 2019 with a cost of risk of 0.391% Pekao SA reached 0.367% and Sberbank some 0.117%.

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.

Raiffeisen Bank International's cost to income ratio reached 60.6% in the second quarter of 2019, down from 60.9% when compared to the previous quarter.

Historically, the bank’s costs reached an all time high of 68.2% of

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Raiffeisen Bank International's cost to income ratio reached 60.6% in the second quarter of 2019, down from 60.9% when compared to the previous quarter.

Historically, the bank’s costs reached an all time high of 68.2% of income in 1Q2016 and an all time low of 54.7% in 2Q2018.

When compared to total assets, bank's cost amounted to 2.10% in 2Q2019, up from 2.02% in the previous quarter.

Staff accounted for 53.1% of total operating expenditures in the second quarter of 2019. The bank operated a network of 2,105 branches and employed 47,181 persons in 2Q2019.

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

Raiffeisen Bank International's cost to income ratio reached 60.6% in the second quarter of 2019, down from 60.9% when compared to the previous quarter.

Historically, the bank’s costs reached an all time high of 68.2% of

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Raiffeisen Bank International's cost to income ratio reached 60.6% in the second quarter of 2019, down from 60.9% when compared to the previous quarter.

Historically, the bank’s costs reached an all time high of 68.2% of income in 1Q2016 and an all time low of 54.7% in 2Q2018.

When compared to total assets, bank's cost amounted to 2.10% in 2Q2019, up from 2.02% in the previous quarter.

Staff accounted for 53.1% of total operating expenditures in the second quarter of 2019. The bank operated a network of 2,105 branches and employed 47,181 persons in 2Q2019.

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

Raiffeisen Bank International made a net profit of EUR 345 mil in the second quarter of 2019, down 3.13% when compared to the same period of last year. This implies a return on equity of 10.7%.

Historically, the bank’s net profit

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Raiffeisen Bank International made a net profit of EUR 345 mil in the second quarter of 2019, down 3.13% when compared to the same period of last year. This implies a return on equity of 10.7%.

Historically, the bank’s net profit reached an all time high of EUR 417 mil in 3Q2018 and an all time low of EUR -842 mil in 4Q2014. The average profit in the last six quarters amounted to EUR 307 mil.

The bank generated its shareholders an average return on equity of 5.07% in the last five years with maximum at 14.5% and minimum at -37.4%.

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

See all charts of the company »
RBI's npls (as % of loans) fell 9.13% to 3.55% in 2Q2019
RBI's net interest margin fell 1.09% to 2.28% in 2Q2019
RBI's net interest margin fell 1.09% to 2.28% in 2Q2019
RBI's net interest margin fell 1.09% to 2.28% in 2Q2019
RBI's employees fell 0.176% to 47,181 in 2Q2019
RBI's capital adequacy ratio fell 1.01% to 17.8% in 2Q2019
RBI's capital adequacy ratio fell 1.01% to 17.8% in 2Q2019
RBI's net profit rose 52.9% to EUR 345 mil in 2Q2019
RBI's net profit rose 52.9% to EUR 345 mil in 2Q2019
RBI's costs (as % of assets) rose 3.67% to 2.10% in 2Q2019
RBI's costs (as % of assets) rose 3.67% to 2.10% in 2Q2019
RBI's share price (end of period) rose 3.10% to EUR 20.6 in 2Q2019
RBI's provisions (as % of loans) fell 8.34% to 2.14% in 2Q2019
RBI's Cost of Risk fell 73.7% to 0.007% in 2Q2019
RBI's net interest income rose 1.85% to EUR 840 mil in 2Q2019
RBI's customer loan growth rose 106% to 13.6% in 2Q2019
RBI's customer loan growth rose 106% to 13.6% in 2Q2019
RBI's customer loan growth rose 106% to 13.6% in 2Q2019
RBI's customer loan growth rose 106% to 13.6% in 2Q2019
RBI's net profit rose 13.8% to EUR 1,270 mil in 2018
RBI's net interest margin rose 2.23% to 2.44% in 2018
RBI's capital adequacy ratio rose 1.78% to 18.2% in 2018
RBI's npls (as % of loans) fell 27.5% to 4.11% in 2018
RBI's npls (as % of loans) fell 27.5% to 4.11% in 2018
RBI's corporate loans rose 4.49% to EUR 73,482 mil in 2018
RBI's costs (as % of assets) fell 0.728% to 2.21% in 2018
RBI's price/earnings (P/E) fell 35.4% to 5.75 in 2018
RBI's employees fell 5.27% to 47,079 in 2018
RBI's employees fell 5.27% to 47,079 in 2018
RBI's share price (end of period) fell 26.5% to EUR 22.2 in 2018
RBI's net interest income rose 4.25% to EUR 3,362 mil in 2018
RBI's customer loan growth fell 7.13% to 4.01% in 2018
RBI's retail loan growth fell 82.7% to 5.37% in 2018
RBI's customer loans rose 3.48% to EUR 63,866 mil in 2Q2019
RBI's customer deposits rose 1.60% to EUR 68,991 mil in 2Q2019
RBI's customer deposits rose 1.60% to EUR 68,991 mil in 2Q2019
RBI's customer deposits rose 1.60% to EUR 68,991 mil in 2Q2019
RBI's total revenues rose 7.30% to EUR 1,212 mil in 2Q2019
RBI's total revenues rose 7.30% to EUR 1,212 mil in 2Q2019
RBI's total revenues rose 7.30% to EUR 1,212 mil in 2Q2019
RBI's mortgage loans rose 1.48% to EUR mil in 2018
RBI's customer deposits rose 2.43% to EUR mil in 2018
RBI's customer loans rose 4.01% to EUR mil in 2018
RBI's retail deposits fell 14.0% to EUR mil in 2018
RBI's corporate loans rose 4.49% to EUR mil in 2018
RBI's total revenues rose 3.91% to EUR mil in 2018
RBI's corporate deposits fell 4.25% to EUR mil in 2018
RBI's consumer loans rose 13.0% to EUR mil in 2018