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Raiffeisen Bank Romania

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Raiffeisen Bank Romania

Raiffeisen Bank S.A. (or Raiffeisen Bank Romania) is a Romania-based universal bank with a 7% market share by assets. The Bank resulted from the merger of Raiffeisenbank S.A. and the Romanian state-owned Banca Agricola. At the end of 2013, the Bank served more than 2 million clients through 528 branches giving a job to more than 5,300 persons. The Bank offers a typical range of banking services and products for retail as well as corporate

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Raiffeisen Bank S.A. (or Raiffeisen Bank Romania) is a Romania-based universal bank with a 7% market share by assets. The Bank resulted from the merger of Raiffeisenbank S.A. and the Romanian state-owned Banca Agricola. At the end of 2013, the Bank served more than 2 million clients through 528 branches giving a job to more than 5,300 persons. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank is a subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe.

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summary Unit
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                  1,065 1,144 1,103 1,045 1,055    
                  1,928 2,025 2,073 2,073 2,005    
                  710 816 864 925 796    
                  428 397 483 513 426    

balance sheet

                  704 783 761 904 1,139    
                  14,844 15,104 15,397 16,110 18,154    
                  4,136 3,283 3,660 3,306 4,116    
                  24,275 24,022 26,537 28,789 31,487    
                  2,705 2,862 3,073 3,330 3,211    
                  3,154 3,243 2,531 2,010 2,252    
                  17,148 16,982 19,607 21,068 23,740    
                  604 233 1,064 1,671 1,690    

ratios

                  16.6% 14.2% 16.3% 16.0% 13.0%    
                  1.84% 1.64% 1.91% 1.85% 1.41%    
                  5.24% 5.01% 4.78% 4.15% 4.01%    
                  63.2% 59.7% 58.3% 55.4% 60.3%    
... ... ...           ... ... 14.2% 17.3% 20.2% 18.5%    
                  4.58% 4.74% 4.36% 3.78% 3.50%    
                  55.2% 56.5% 53.2% 50.4% 52.6%    
                  32.1% 28.5% 30.0% 32.8% 31.4%    
                  42.3% 43.2% 42.6% 41.9% 43.7%    
                  11.1% 11.9% 11.6% 11.6% 10.2%    
                  86.6% 88.9% 78.5% 76.5% 76.5%    
                  61.2% 62.9% 58.0% 56.0% 57.7%    
... ... ... ...           7.26% 8.59% 10.7% 9.08% 8.60%    
... ... ... ...           66.8% 64.3% 59.8% 62.3% 53.6%    

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

income statement

Interest Income RON mil
Interest Cost RON mil
Net Interest Income RON mil
Net Fee Income RON mil
Other Income RON mil
Total Revenues RON mil
Staff Cost RON mil
Depreciation RON mil
Other Cost RON mil
Operating Cost RON mil
Operating Profit RON mil
Provisions RON mil
Extra and Other Cost RON mil
Pre-Tax Profit RON mil
Tax RON mil
Minorities RON mil
Net Profit RON mil
                  1,629 1,741 1,569 1,368 1,285    
                  564 597 466 323 231    
                  1,065 1,144 1,103 1,045 1,055    
                  619 576 622 680 630    
                  244 304 348 348 293    
                  1,928 2,025 2,073 2,073 2,005    
                  516 522 515 481 528    
                  113 94.5 85.0 74.4 79.3    
                  590 592 609 592 602    
                  1,219 1,209 1,209 1,148 1,210    
                  710 816 864 925 796    
                  207 350 359 314 289    
                  -3.40 0 -1.04 0 -3.25    
                  506 466 506 611 510    
                  78.4 69.1 22.0 98.6 83.3    
                  0 0 0 0 0    
                  428 397 483 513 426    

growth rates

...                 15.7% 7.41% -3.59% -5.26% 0.916%    
...                 -10.5% -6.94% 7.89% 9.38% -7.36%    
...                 3.46% 5.00% 2.38% -0.014% -3.27%    
...                 0.177% -0.800% 0.004% -5.07% 5.39%    
...                 9.63% 15.0% 5.91% 7.06% -14.0%    
...                 12.9% -7.99% 8.70% 20.7% -16.6%    
...                 11.4% -7.28% 21.8% 6.17% -16.9%    

market share

                  8.42% ... ... ... ... ... ...
...               ... ... ... ... ... ... ... ...
... ...               10.2% 8.90% 8.92% 8.98% 9.62%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...    
... ...               8.98% 9.17% ... ... ... ... ...

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

balance sheet

                  4,047 4,330 6,262 7,853 6,981    
                  704 783 761 904 1,139    
                  14,844 15,104 15,397 16,110 18,154    
                  8,528 8,936 9,746 10,132 13,913    
... ... ... ... ... ... ... ... ... ... ... ... 3,152 3,890    
... ... ... ... ... ... ... ... ... ... ... ... 8,880 10,023    
                  6,746 6,608 5,651 5,979 3,363    
                  4,136 3,283 3,660 3,306 4,116    
                  386 327 337 309 300    
                  24,275 24,022 26,537 28,789 31,487    
                  2,705 2,862 3,073 3,330 3,211    
                  0 0 0 0 0    
                  21,570 21,161 23,465 25,458 28,276    
                  3,154 3,243 2,531 2,010 2,252    
                  17,148 16,982 19,607 21,068 23,740    
                  9,844 10,386 12,396 14,232 15,951    
                  7,063 6,455 7,199 6,648 7,789    
... ... ... ... ... ... ... ... ... ... ... 5,360 6,813 11,720    
... ... ... ... ... ... ... ... ... ... ... 14,246 14,253 12,020    
                  604 233 1,064 1,671 1,690    
                  664 703 263 710 595    

asset quality

... ... ... ...           1,132 1,373 1,758 1,551 1,637    
                  15,601 15,987 16,449 17,077 19,031    
                  757 883 1,052 967 877    

growth rates

...                 18.6% 1.75% 1.94% 4.63% 12.7%    
...                 18.2% 4.79% 9.06% 3.95% 37.3%    
... ... ... ... ... ... ... ... ... ... ... ... ... 23.4%    
... ... ... ... ... ... ... ... ... ... ... ... ... 12.9%    
...                 29.6% -2.04% -14.5% 5.80% -43.8%    
...                 9.38% -1.04% 10.5% 8.48% 9.37%    
...                 11.2% 5.79% 7.37% 8.39% -3.60%    
...                 8.66% -0.969% 15.5% 7.45% 12.7%    
...                 17.3% 5.51% 19.4% 14.8% 12.1%    
...                 -3.08% -8.60% 11.5% -7.65% 17.2%    

market share

                  6.66% 6.69% 7.05% 7.63% 8.35%    
                  5.85% 5.56% 5.03% 5.67% 3.21%    
... ... ... ... ... ... ... ... ... ... ... ... 15.4% 17.9%    
                  8.18% 8.55% 9.44% 9.92% 12.9%    
... ... ... ... ... ... ... ... ... ... ... ... 7.07% 7.49%    
                  6.86% 6.57% 7.33% 7.91% 8.35%    
                  9.16% 8.61% 9.09% 9.03% 9.37%    
                  8.73% 8.50% 9.56% 10.3% 10.9%    
                  11.3% 10.5% 10.2% 8.27% 8.52%    

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

ratios

                  16.6% 14.2% 16.3% 16.0% 13.0%    
                  1.84% 1.64% 1.91% 1.85% 1.41%    
                  5.24% 5.01% 4.78% 4.15% 4.01%    
                  63.2% 59.7% 58.3% 55.4% 60.3%    
... ... ...           ... ... 14.2% 17.3% 20.2% 18.5%    
... ... ... ... ... ... ... ... ... ... 13.0% 13.1% 15.1% 13.9%    
                  4.58% 4.74% 4.36% 3.78% 3.50%    
...                 4.28% 4.42% 4.12% 3.63% 3.41%    
                  7.01% 7.21% 6.21% 4.94% 4.27%    
...                 2.73% 2.80% 2.09% 1.32% 0.859%    
                  55.2% 56.5% 53.2% 50.4% 52.6%    
                  32.1% 28.5% 30.0% 32.8% 31.4%    
                  12.6% 15.0% 16.8% 16.8% 14.6%    
... ...               2,109 2,282 2,467 2,228 2,085    
... ...               6,431 7,918 8,209 7,734 8,186    
                  42.3% 43.2% 42.6% 41.9% 43.7%    
                  11.1% 11.9% 11.6% 11.6% 10.2%    
                  86.6% 88.9% 78.5% 76.5% 76.5%    
                  61.2% 62.9% 58.0% 56.0% 57.7%    
... ... ... ...           7.26% 8.59% 10.7% 9.08% 8.60%    
... ... ... ...           66.8% 64.3% 59.8% 62.3% 53.6%    
                  5.10% 5.85% 6.83% 6.00% 4.83%    
                  1.51% 2.34% 2.35% 1.99% 1.69%    

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

other data

... ...               543 525 528 532 510    
... ...               6,682 5,498 5,227 5,185 5,379    
... ... ... ... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... ... 27.3% 32.3% 49.4%    

Download Data
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 10 Banks in Romania

This Annual Statistical Dossier offers a comparison of 10 Romanian banks from 1998 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 10 Romanian banks from 1998 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 Romania in Numbers

This Annual statistical dossier offers a summary of Raiffeisen Bank Romania's performance between 2002 and 2017 on an annual basis. The report can be downloaded as an excel file.

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

Read more »

This Annual statistical dossier offers a summary of Raiffeisen Bank Romania's performance between 2002 and 2017 on an annual basis. The report can be downloaded as an excel file.

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

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Raiffeisen Romania'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 Romania at a Glance

Raiffeisen Bank S.A. (or Raiffeisen Bank Romania) is a Romania-based universal bank with a 7% market share by assets. The Bank resulted from the merger of Raiffeisenbank  S.A. and the Romanian state-owned Banca Agricola. At the end of 2013, the Bank  served more than 2 million clients through 528 branches giving a job to more than 5,300 persons. The Bank

Read more »

Raiffeisen Bank S.A. (or Raiffeisen Bank Romania) is a Romania-based universal bank with a 7% market share by assets. The Bank resulted from the merger of Raiffeisenbank  S.A. and the Romanian state-owned Banca Agricola. At the end of 2013, the Bank  served more than 2 million clients through 528 branches giving a job to more than 5,300 persons. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank is effectively a 100% subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe.

This report offers a summary of the company's performance in 2002-2013. 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.

In addition, we provide an overview of the bank's market position on the Romanian banking market.

Raiffeisen Bank Romania in Numbers

Raiffeisen Bank S.A. (or Raiffeisen Bank Romania) is a Romania-based universal bank with a 7% market share by assets. The Bank resulted from the merger of Raiffeisenbank  S.A. and the Romanian state-owned Banca Agricola. At the end of 2013, the Bank  served more than 2 million clients through 528 branches giving a job to more than 5,300 persons. The Bank

Read more »

Raiffeisen Bank S.A. (or Raiffeisen Bank Romania) is a Romania-based universal bank with a 7% market share by assets. The Bank resulted from the merger of Raiffeisenbank  S.A. and the Romanian state-owned Banca Agricola. At the end of 2013, the Bank  served more than 2 million clients through 528 branches giving a job to more than 5,300 persons. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank is effectively a 100% subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe.

This excel file offers a summary of the company's performance in 2002-2013. 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.

In addition, we provide an overview of the bank's market position on the Romanian banking market.

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank Hungary operated with the lowest loan to deposit ratio, followed by Raiffeisen Stavebni Sporitelna and Raiffeisenbank Serbia.

Raiffeisen Bank Hungary's loan

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Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisen Bank Hungary operated with the lowest loan to deposit ratio, followed by Raiffeisen Stavebni Sporitelna and Raiffeisenbank Serbia.

Raiffeisen Bank Hungary's loan to deposit ratio reached 60.0% at the end of 2017, down from 63.0% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 138% in 2001 and an all time low of 60.0% in 2017.

Comparing Raiffeisen Bank Hungary with its closest peers, Raiffeisen Stavebni Sporitelna ended the year 2017 with loans to deposits at 68.0%, Raiffeisenbank Serbia with 68.5% and Raiffeisen Stambena Stedionica some 72.7% of loans to deposits at the end of 2017.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisenbank Russia operated with the highest net interest margin, followed by Raiffeisenbank Serbia and Raiffeisen Bank Romania.

Raiffeisenbank Russia's net interest margin

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Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisenbank Russia operated with the highest net interest margin, followed by Raiffeisenbank Serbia and Raiffeisen Bank Romania.

Raiffeisenbank Russia's net interest margin amounted to 5.65% in 2017, up from 5.27% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 5.65% in 2017 and an all time low of 2.96% in 2002. The average margin in the last five years amounted to 5.11%.

Average asset yield was 11.2% in 2017, down from 11.4% when compared to previous year. On the other hand, cost of funding amounted to 6.48% in 2017, down from 7.01%.

Comparing Raiffeisenbank Russia with its closest peers, Raiffeisenbank Serbia operated in 2017 with a net interest margin of 3.70% Raiffeisen Bank Romania reached 3.35% and Raiffeisenbank Bulgaria some 3.00%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisenbank Russia was the most cost efficient bank, followed by Raiffeisen Stavebni Sporitelna and Raiffeisenbank Bulgaria.

Raiffeisenbank Russia's cost to income ratio

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Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisenbank Russia was the most cost efficient bank, followed by Raiffeisen Stavebni Sporitelna and Raiffeisenbank Bulgaria.

Raiffeisenbank Russia's cost to income ratio reached 41.3% in 2017, up from 38.4% when compared to the last year. Historically, the bank’s costs reached an all time high of 69.7% in 2014 and an all time low of 32.1% in 2003.

When compared to total assets, bank's cost amounted to 1.39% in 2017, up from 3.09% a year earlier.

Comparing Raiffeisenbank Russia with its closest peers, Raiffeisen Stavebni Sporitelna operated in 2017 with a cost to income ratio of 44.6%, Raiffeisenbank Bulgaria reached 54.8% and Raiffeisenbank Serbia some 57.7%.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisenbank Czech Republic was paying its employees the best, followed by Raiffeisen Bank Hungary and Raiffeisen Stavebni Sporitelna.

Raiffeisenbank Czech Republic employed

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Based on a comparison of 11 banks among Raiffeisen New Europe in 2017, Raiffeisenbank Czech Republic was paying its employees the best, followed by Raiffeisen Bank Hungary and Raiffeisen Stavebni Sporitelna.

Raiffeisenbank Czech Republic employed 2,934 persons in 2017, down 0.878% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,960 persons in 2016 and an all time low of 1,107 in 2004.

Average cost reached CZK 87,725 per month per employee, 1.58% less than a year ago. This figure was CZK 58,163 per month some 10 years ago.

Staff accounted for 51.1% of total operating expenditures in 2017.

Comparing Raiffeisenbank Czech Republic with its closest peers, Raiffeisen Bank Hungary had 2,089 employees with average cost of CZK 81,911 per month per person, Raiffeisen Stavebni Sporitelna operated with 268 people (and CZK 75,871 per month per employee) and Raiffeisen Stambena Stedionica had 43.0 employees in 2017 with cost of CZK 72,155 per month per head.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Raiffeisen New Europe banks in the reports section.

See all charts of the company »
Raiffeisen Romania's customer loans rose 12.1% to RON 22,161 mil in 2017
Raiffeisen Romania's customer deposits rose 12.6% to RON 29,696 mil in 2017
Raiffeisen Romania's retail deposits rose 12.9% to RON 20,761 mil in 2017
Raiffeisen Romania's net profit rose 13.5% to RON 510 mil in 2017
Raiffeisen Romania's net interest margin fell 2.09% to 3.35% in 2017
Raiffeisen Romania's corporate deposits rose 11.9% to RON 8,935 mil in 2017
Raiffeisen Romania's npls (as % of loans) fell 15.6% to 6.50% in 2017
Raiffeisen Romania's costs (as % of assets) rose 1.27% to 3.65% in 2017
Raiffeisen Romania's employees rose 0.931% to 5,314 in 2017
Raiffeisen Romania's net interest income rose 5.93% to RON 1,178 mil in 2017
Raiffeisen Romania's capital adequacy ratio fell 6.33% to 15.5% in 2017
Raiffeisen Romania's corporate loans rose 17.8% to RON 4,786 mil in 2017
Raiffeisen Romania's customer loan growth rose 37.2% to 12.1% in 2017
Raiffeisen Romania's total revenues rose 3.46% to RON 1,928 mil in 2011