By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 65,412 mil in 3Q2023, down 0.519% compared to the previous year. Cz...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna's non-performing loans reached 0.644% of total loans at the end of 2023-09-30, down from 0.941% co...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna employed 79.0 persons in 2023-09-30, down 3.66% when compared to the previous year. Historically,...
Profit Statement | 2020 | 2021 | 2022 | |
Net Interest Income | CZK mil | 947 | 940 | 887 |
Net Fee Income | CZK mil | 237 | 204 | 239 |
Other Income | CZK mil | -14.0 | -39.0 | 71.0 |
Total Revenues | CZK mil | 1,170 | 1,105 | 1,197 |
Staff Cost | CZK mil | 294 | 216 | 125 |
Operating Profit | CZK mil | 604 | 483 | 628 |
Provisions | CZK mil | 329 | -63.0 | 55.0 |
Net Profit | CZK mil | 217 | 443 | 468 |
Balance Sheet | 2020 | 2021 | 2022 | |
Interbank Loans | CZK mil | 7,938 | 7,918 | 1,307 |
Customer Loans | CZK mil | 57,045 | 64,332 | 70,383 |
Investments | CZK mil | 8,255 | 4,749 | 3,850 |
Total Assets | CZK mil | 75,310 | 78,990 | 77,286 |
Shareholders' Equity | CZK mil | 5,229 | 5,422 | 5,890 |
Interbank Borrowing | CZK mil | 0 | 2,002 | 7,763 |
Customer Deposits | CZK mil | 69,182 | 70,231 | 62,146 |
Issued Debt Securities | CZK mil | 302 | 602 | 602 |
Ratios | 2020 | 2021 | 2022 | |
ROE | % | 4.24 | 8.32 | 8.27 |
ROA | % | 0.295 | 0.574 | 0.599 |
Costs (As % Of Assets) | % | 0.769 | 0.806 | 0.728 |
Costs (As % Of Income) | % | 48.4 | 56.3 | 47.5 |
Capital Adequacy Ratio | % | 17.2 | 15.2 | 15.9 |
Net Interest Margin | % | 1.29 | 1.22 | 1.14 |
Loans (As % Of Deposits) | % | 82.5 | 91.6 | 113 |
NPLs (As % Of Loans) | % | 1.29 | 0.994 | 0.899 |
Provisions (As % Of NPLs) | % | 141 | 149 | 157 |
Growth Rates | 2020 | 2021 | 2022 | |
Total Revenue Growth | % | -7.29 | -5.56 | 8.33 |
Operating Cost Growth | % | 4.62 | 9.89 | -8.52 |
Operating Profit Growth | % | -16.2 | -20.0 | 30.0 |
Net Profit Growth | % | -59.5 | 104 | 5.64 |
Customer Loan Growth | % | 5.51 | 12.8 | 9.41 |
Total Asset Growth | % | 4.84 | 4.89 | -2.16 |
Customer Deposit Growth | % | 5.20 | 1.52 | -11.5 |
Shareholders' Equity Growth | % | 4.33 | 3.69 | 8.63 |
Employees | 265 | 91.0 | 90.0 |
Get all company financials in excel:
summary | Unit | 1999 | 2000 | 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 | CZK mil | 866 | 903 | 987 | 1,041 | 947 | |||||||||||||||||||
Total Revenues | CZK mil | 981 | 1,088 | 1,233 | 1,262 | 1,170 | |||||||||||||||||||
Operating Profit | CZK mil | 511 | 603 | 677 | 721 | 604 | |||||||||||||||||||
Net Profit | CZK mil | 530 | 444 | 516 | 536 | 217 | |||||||||||||||||||
balance sheet | |||||||||||||||||||||||||
Interbank Loans | CZK mil | 1,808 | 457 | 1,043 | 4,757 | 7,938 | |||||||||||||||||||
Customer Loans | CZK mil | 38,457 | 41,614 | 50,350 | 54,064 | 57,045 | |||||||||||||||||||
Investments | CZK mil | 24,053 | 16,496 | 15,443 | 10,993 | 8,255 | |||||||||||||||||||
Total Assets | CZK mil | 66,243 | 67,230 | 69,056 | 71,833 | 75,310 | |||||||||||||||||||
Shareholders' Equity | CZK mil | 4,785 | 4,771 | 4,768 | 5,012 | 5,229 | |||||||||||||||||||
Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Customer Deposits | CZK mil | 60,817 | 61,211 | 63,533 | 65,762 | 69,182 | |||||||||||||||||||
Issued Debt Securities | CZK mil | ... | ... | 0 | 472 | 500 | 302 | 302 | |||||||||||||||||
ratios | |||||||||||||||||||||||||
ROE | % | ... | 11.2 | 9.29 | 10.8 | 11.0 | 4.24 | ||||||||||||||||||
ROA | % | ... | 0.747 | 0.665 | 0.757 | 0.761 | 0.295 | ||||||||||||||||||
Costs (As % Of Assets) | % | ... | 0.663 | 0.727 | 0.816 | 0.768 | 0.769 | ||||||||||||||||||
Costs (As % Of Income) | % | 47.9 | 44.6 | 45.1 | 42.9 | 48.4 | |||||||||||||||||||
Capital Adequacy Ratio | % | ... | ... | 16.1 | 16.0 | 14.5 | 15.6 | 17.2 | |||||||||||||||||
Net Interest Margin | % | ... | 1.22 | 1.35 | 1.45 | 1.48 | 1.29 | ||||||||||||||||||
Interest Income (As % Of Revenues) | % | 88.3 | 83.0 | 80.1 | 82.5 | 80.9 | |||||||||||||||||||
Fee Income (As % Of Revenues) | % | 14.9 | 8.73 | 20.1 | 19.3 | 20.3 | |||||||||||||||||||
Staff Cost (As % Of Total Cost) | % | 48.7 | 50.3 | 45.5 | 50.5 | 51.9 | |||||||||||||||||||
Equity (As % Of Assets) | % | 7.22 | 7.10 | 6.90 | 6.98 | 6.94 | |||||||||||||||||||
Loans (As % Of Deposits) | % | 63.2 | 68.0 | 79.3 | 82.2 | 82.5 | |||||||||||||||||||
Loans (As % Assets) | % | 58.1 | 61.9 | 72.9 | 75.3 | 75.7 | |||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | 3.48 | 2.95 | 2.33 | 1.80 | 1.29 | |||||||||||||||||
Provisions (As % Of NPLs) | % | ... | ... | 68.2 | 77.9 | 94.7 | 98.1 | 141 |
income statement | Unit | 1999 | 2000 | 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 | CZK mil | 1,931 | 1,792 | 1,828 | 1,904 | 1,834 | |||||||||||||||||||
Interest Cost | CZK mil | 1,065 | 889 | 841 | 863 | 887 | |||||||||||||||||||
Net Interest Income | CZK mil | 866 | 903 | 987 | 1,041 | 947 | |||||||||||||||||||
Net Fee Income | CZK mil | 146 | 95.0 | 247 | 244 | 237 | |||||||||||||||||||
Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 336 | 336 | ||
Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 92.0 | 99.0 | ||
Other Income | CZK mil | -31.0 | 90.0 | -1.59 | -23.0 | -14.0 | |||||||||||||||||||
Total Revenues | CZK mil | 981 | 1,088 | 1,233 | 1,262 | 1,170 | |||||||||||||||||||
Staff Cost | CZK mil | 229 | 244 | 253 | 273 | 294 | |||||||||||||||||||
Depreciation | CZK mil | 38.0 | 43.0 | 50.5 | 87.0 | 95.0 | |||||||||||||||||||
Other Cost | CZK mil | 203 | 198 | 253 | 181 | 177 | |||||||||||||||||||
Operating Cost | CZK mil | 470 | 485 | 556 | 541 | 566 | |||||||||||||||||||
Operating Profit | CZK mil | 511 | 603 | 677 | 721 | 604 | |||||||||||||||||||
Provisions | CZK mil | -130 | 67.0 | 33.6 | 54.0 | 329 | |||||||||||||||||||
Extra and Other Cost | CZK mil | 0 | 0 | 0.439 | 0.011 | 0 | |||||||||||||||||||
Pre-Tax Profit | CZK mil | 641 | 536 | 643 | 667 | 275 | |||||||||||||||||||
Tax | CZK mil | 111 | 92.0 | 127 | 131 | 58.0 | |||||||||||||||||||
Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Net Profit | CZK mil | 530 | 444 | 516 | 536 | 217 | |||||||||||||||||||
Net Profit Avail. to Common | CZK mil | 530 | 444 | 516 | 536 | 217 | |||||||||||||||||||
Dividends | CZK mil | ... | ... | ... | 300 | 300 | 300 | 0 | 217 | ||||||||||||||||
growth rates | |||||||||||||||||||||||||
Net Interest Income Growth | % | ... | 13.1 | 4.27 | 9.32 | 5.46 | -9.03 | ||||||||||||||||||
Net Fee Income Growth | % | ... | -34.2 | -34.9 | 160 | -1.34 | -2.87 | ||||||||||||||||||
Total Revenue Growth | % | ... | 3.70 | 10.9 | 13.3 | 2.36 | -7.29 | ||||||||||||||||||
Operating Cost Growth | % | ... | 5.38 | 3.19 | 14.7 | -2.72 | 4.62 | ||||||||||||||||||
Operating Profit Growth | % | ... | 2.20 | 18.0 | 12.2 | 6.54 | -16.2 | ||||||||||||||||||
Pre-Tax Profit Growth | % | ... | 35.8 | -16.4 | 19.9 | 3.79 | -58.8 | ||||||||||||||||||
Net Profit Growth | % | ... | 35.2 | -16.2 | 16.1 | 4.00 | -59.5 | ||||||||||||||||||
market share | |||||||||||||||||||||||||
Market Share in Revenues | % | 0.544 | 0.607 | 0.648 | 0.624 | 0.648 | |||||||||||||||||||
Market Share in Net Profit | % | 0.717 | 0.589 | 0.633 | 0.589 | 0.457 | |||||||||||||||||||
Market Share in Employees | % | ... | ... | 0.646 | 0.640 | 0.638 | 0.644 | 0.651 | |||||||||||||||||
Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.14 | 9.10 | 9.10 | 9.96 | 11.2 |
balance sheet | Unit | 1999 | 2000 | 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 | CZK mil | 614 | 1,028 | 913 | 605 | 552 | |||||||||||||||||||
Interbank Loans | CZK mil | 1,808 | 457 | 1,043 | 4,757 | 7,938 | |||||||||||||||||||
Customer Loans | CZK mil | 38,457 | 41,614 | 50,350 | 54,064 | 57,045 | |||||||||||||||||||
Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32,484 | 37,059 | 45,305 | 49,903 | 51,845 | ||||
Mortgage Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32,484 | 37,059 | 45,305 | 49,903 | 51,845 | ||||
Consumer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||
Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6,808 | 4,564 | 5,045 | 5,117 | 5,200 | ||||
Investments | CZK mil | 24,053 | 16,496 | 15,443 | 10,993 | 8,255 | |||||||||||||||||||
Property and Equipment | CZK mil | 191 | 216 | 234 | 371 | 76.0 | |||||||||||||||||||
Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 215 | 220 | ||
Total Assets | CZK mil | 66,243 | 67,230 | 69,056 | 71,833 | 75,310 | |||||||||||||||||||
Shareholders' Equity | CZK mil | 4,785 | 4,771 | 4,768 | 5,012 | 5,229 | |||||||||||||||||||
Of Which Minority Interest | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
Liabilities | CZK mil | 61,458 | 62,459 | 64,289 | 66,821 | 70,081 | |||||||||||||||||||
Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Customer Deposits | CZK mil | 60,817 | 61,211 | 63,533 | 65,762 | 69,182 | |||||||||||||||||||
Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 59,320 | 60,795 | 63,533 | 64,415 | 67,756 | ||||
Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 670 | 175 | 0 | 510 | 547 | ||||
Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7,912 | 9,143 | ||
Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 56,503 | 58,613 | ||
Issued Debt Securities | CZK mil | ... | ... | 0 | 472 | 500 | 302 | 302 | |||||||||||||||||
Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 302 | 302 | ||
Other Liabilities | CZK mil | ... | ... | 641 | 776 | 255 | 757 | 597 | |||||||||||||||||
asset quality | |||||||||||||||||||||||||
Non-Performing Loans | CZK mil | ... | ... | 1,372 | 1,257 | 1,174 | 988 | 747 | |||||||||||||||||
Gross Loans | CZK mil | ... | ... | 39,393 | 42,594 | 50,350 | 55,033 | 58,097 | |||||||||||||||||
Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26,670 | 26,799 | 29,570 | 29,285 | 29,663 | |||||||
Total Provisions | CZK mil | ... | ... | 936 | 979 | 1,111 | 969 | 1,052 | |||||||||||||||||
growth rates | |||||||||||||||||||||||||
Customer Loan Growth | % | ... | 1.92 | 8.21 | 21.0 | 7.38 | 5.51 | ||||||||||||||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.63 | 14.1 | 22.3 | 10.1 | 3.89 | |||
Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.63 | 14.1 | 22.3 | 10.1 | 3.89 | |||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.56 | -33.0 | 10.5 | 1.43 | 1.62 | |||
Total Asset Growth | % | ... | -12.4 | 1.49 | 2.72 | 4.02 | 4.84 | ||||||||||||||||||
Shareholders' Equity Growth | % | ... | 1.40 | -0.285 | -0.076 | 5.12 | 4.33 | ||||||||||||||||||
Customer Deposit Growth | % | ... | -13.3 | 0.647 | 3.79 | 3.51 | 5.20 | ||||||||||||||||||
Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -13.5 | 2.49 | 4.50 | 1.39 | 5.19 | |||
Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -3.74 | -73.9 | -100 | ... | 7.25 | |||
market share | |||||||||||||||||||||||||
Market Share in Customer Loans | % | 1.30 | 1.35 | 1.52 | 1.57 | 1.59 | |||||||||||||||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.698 | 0.447 | 0.467 | 0.457 | 0.463 | ||||
Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.29 | 2.43 | 2.76 | 2.86 | 2.79 | ||||
Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||
Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.08 | 3.23 | 3.64 | 3.75 | 3.61 | ||||
Market Share in Total Assets | % | 1.11 | 0.960 | 0.949 | 0.950 | 0.945 | |||||||||||||||||||
Market Share in Customer Deposits | % | 1.61 | 1.47 | 1.43 | 1.39 | 1.34 | |||||||||||||||||||
Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.69 | 2.56 | 2.48 | 2.36 | 2.22 | ||||
Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.073 | 0.018 | 0 | 0.047 | 0.045 |
ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
ROE | % | ... | 11.2 | 9.29 | 10.8 | 11.0 | 4.24 | ||||||||||||||||||
ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.43 | ||
ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.3 | 11.1 | 12.2 | 12.1 | 4.91 | ||||||
ROA | % | ... | 0.747 | 0.665 | 0.757 | 0.761 | 0.295 | ||||||||||||||||||
Return on Loans | % | ... | 1.39 | 1.11 | 1.12 | 1.03 | 0.391 | ||||||||||||||||||
Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.93 | 2.26 | 2.40 | 2.45 | 2.05 | ||||||
Costs (As % Of Assets) | % | ... | 0.663 | 0.727 | 0.816 | 0.768 | 0.769 | ||||||||||||||||||
Costs (As % Of Income) | % | 47.9 | 44.6 | 45.1 | 42.9 | 48.4 | |||||||||||||||||||
Costs (As % Of Loans) | % | ... | 1.23 | 1.21 | 1.21 | 1.04 | 1.02 | ||||||||||||||||||
Costs (As % Of Loans & Deposits) | % | ... | 0.454 | 0.480 | 0.513 | 0.463 | 0.460 | ||||||||||||||||||
Capital Adequacy Ratio | % | ... | ... | 16.1 | 16.0 | 14.5 | 15.6 | 17.2 | |||||||||||||||||
Tier 1 Ratio | % | ... | ... | 16.1 | 16.0 | 14.5 | 14.6 | 16.2 | |||||||||||||||||
Net Interest Margin | % | ... | 1.22 | 1.35 | 1.45 | 1.48 | 1.29 | ||||||||||||||||||
Interest Spread | % | ... | 1.11 | 1.25 | 1.36 | 1.39 | 1.20 | ||||||||||||||||||
Asset Yield | % | ... | 2.72 | 2.69 | 2.68 | 2.70 | 2.49 | ||||||||||||||||||
Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.70 | 4.07 | 4.37 | 4.29 | 3.97 | ||||||
Cost Of Liabilities | % | ... | 1.61 | 1.43 | 1.33 | 1.32 | 1.30 | ||||||||||||||||||
Payout Ratio | % | ... | ... | ... | 56.6 | 67.6 | 58.2 | 0 | 100 | ||||||||||||||||
Interest Income (As % Of Revenues) | % | 88.3 | 83.0 | 80.1 | 82.5 | 80.9 | |||||||||||||||||||
Fee Income (As % Of Revenues) | % | 14.9 | 8.73 | 20.1 | 19.3 | 20.3 | |||||||||||||||||||
Other Income (As % Of Revenues) | % | -3.16 | 8.27 | -0.129 | -1.82 | -1.20 | |||||||||||||||||||
Staff Cost (As % Of Total Cost) | % | 48.7 | 50.3 | 45.5 | 50.5 | 51.9 | |||||||||||||||||||
Equity (As % Of Assets) | % | 7.22 | 7.10 | 6.90 | 6.98 | 6.94 | |||||||||||||||||||
Equity (As % Of Loans) | % | 12.4 | 11.5 | 9.47 | 9.27 | 9.17 | |||||||||||||||||||
Loans (As % Of Deposits) | % | 63.2 | 68.0 | 79.3 | 82.2 | 82.5 | |||||||||||||||||||
Loans (As % Assets) | % | 58.1 | 61.9 | 72.9 | 75.3 | 75.7 | |||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | 3.48 | 2.95 | 2.33 | 1.80 | 1.29 | |||||||||||||||||
Provisions (As % Of NPLs) | % | ... | ... | 68.2 | 77.9 | 94.7 | 98.1 | 141 | |||||||||||||||||
Provisions (As % Of Loans) | % | ... | ... | 2.43 | 2.35 | 2.21 | 1.79 | 1.84 | |||||||||||||||||
Cost of Provisions (As % Of Loans) | % | ... | -0.341 | 0.167 | 0.073 | 0.103 | 0.592 |
other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 187 | 177 | 178 | 189 | 188 | ||||||||||
Employees | ... | ... | 265 | 268 | 267 | 268 | 265 | ||||||||||||||||||
Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.42 | 1.51 | 1.50 | 1.42 | 1.41 | ||||||||||
Cost Per Employee | USD per month | ... | ... | 2,854 | 3,233 | 3,607 | 3,766 | 4,202 | |||||||||||||||||
Cost Per Employee (Local Currency) | CZK per month | ... | ... | 72,013 | 75,871 | 78,907 | 84,888 | 92,453 |
customer breakdown | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
Customers | mil | ... | ... | 0.588 | 0.560 | 0.557 | 0.584 | 0.600 | |||||||||||||||||
Number of Accounts | mil | ... | ... | 0.588 | 0.560 | 0.557 | 0.584 | 0.600 | ... | ||||||||||||||||
Number of Primary Customers | mil | ... | ... | 0.099 | 0.099 | 0.100 | 0.095 | 0.088 | ... | ||||||||||||||||
Number of Mortgages | mil | ... | ... | 0.099 | 0.099 | 0.100 | 0.095 | 0.088 | ... | ||||||||||||||||
Average Size of Deposit | CZK | ... | ... | 103,384 | 109,376 | 114,144 | 112,668 | 115,276 | ... | ||||||||||||||||
Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 327,969 | 376,071 | 452,916 | 524,701 | 589,241 | ... | |||
Accounts (As % of Total Clients) | % | ... | ... | 100 | 100 | 100 | 100 | 100 | ... | ||||||||||||||||
Primary (As % of Total Clients) | % | ... | ... | 16.8 | 17.6 | 18.0 | 16.3 | 14.7 | ... | ||||||||||||||||
Mortgages (As % of Total Clients) | % | ... | ... | 16.8 | 17.6 | 18.0 | 16.3 | 14.7 | ... | ||||||||||||||||
Revenue per Customer (Local Currency) | CZK | ... | ... | 1,668 | 1,944 | 2,215 | 2,162 | 1,950 | |||||||||||||||||
Net Profit per Customer (Local Currency) | CZK | ... | ... | 901 | 793 | 926 | 919 | 362 | |||||||||||||||||
Loan per Customer (Local Currency) | CZK | ... | ... | 65,374 | 74,360 | 90,459 | 92,626 | 95,053 | |||||||||||||||||
Deposit per Customer (Local Currency) | CZK | ... | ... | 103,384 | 109,376 | 114,144 | 112,668 | 115,276 | |||||||||||||||||
Revenue per Customer | USD | ... | ... | 66.1 | 82.9 | 101 | 95.9 | 88.6 | |||||||||||||||||
Net Profit per Customer | USD | ... | ... | 35.7 | 33.8 | 42.3 | 40.8 | 16.4 | |||||||||||||||||
Loan per Customer | USD | ... | ... | 2,550 | 3,493 | 4,026 | 4,095 | 4,444 | |||||||||||||||||
Deposit per Customer | USD | ... | ... | 4,032 | 5,137 | 5,081 | 4,981 | 5,390 |
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By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 22.2% at the end of third quarter of 2023, up from 21.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 22.2% in 3Q2023 and an all time low of 9.2...
By Helgi Library - September 30, 2023
Raiffeisen Stavebni Sporitelna's retail loans reached CZK 65,753 mil in the second quarter of 2023, up 0.500% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Ra...
By Helgi Library - September 30, 2023
Raiffeisen Stavebni Sporitelna's customer loans reached CZK 70,576 mil in 2023-06-30, up 0.009% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. Raiffeisen Sta...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna's loans reached CZK 70,074 mil in the third quarter of 2023, down from CZK 70,576 mil when compared to the previous quarter and down from CZK 70,704 mil when compared to the same period of last year. Historically, the ba...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna made a net profit of CZK 162 mil in the third quarter of 2023, up 41.6% when compared to the same period of last year. This implies a return on equity of 8.03%. Historically, the bank’s net profit reached an all time high of CZK 428...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna made a net profit of CZK 162 mil under revenues of CZK 317 mil in the third quarter of 2023, up 41.6% and 7.61% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna's net interest margin amounted to 1.36% in the third quarter of 2023, up from 1.28% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.87% in 2Q2001 and an all time...
By Helgi Library - November 24, 2023
Raiffeisen Stavebni Sporitelna's customer deposits reached CZK 58,627 mil in 2023-06-30, down 3.19% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. Rai...
By Helgi Library - September 30, 2023
Raiffeisen Stavebni Sporitelna generated total banking revenues of CZK 298 mil in 2023-06-30, up 7.08% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compared ...
By Helgi Library - September 30, 2023
Raiffeisen Stavebni Sporitelna's retail deposits reached CZK 58,074 mil in 2023-06-30, down 3.20% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. Raiffei...
Raiffeisen Stavebni is one of the five building savings banks operating in the Czech Republic. It is partly owned by the Czech subsidiary of Raiffeisenbank (10%) with the rest in the hands of Raiffeisen Bausparkasse. Following the acquisition of Hypo Stavební Spořitelna in 2008, the building savings bank owned some 15% of building savings loans and deposits. It cooperates with Raiffeisenbank and operates through a network of 200 selling points.
Raiffeisen Stavebni Sporitelna has been growing its revenues and asset by -1.13% and -0.787% a year on average in the last 10 years. Its loans and deposits have grown by 5.64% and -2.11% a year during that time and loans to deposits ratio reached 113% at the end of 2022. The company achieved an average return on equity of 8.89% in the last decade with net profit growing -1.62% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.5% in 2022, compared to 46.7% average in the last decade.
Equity represented 7.62% of total assets or 8.37% of loans at the end of 2022. Raiffeisen Stavebni Sporitelna's non-performing loans were 0.899% of total loans while provisions covered some 157% of NPLs at the end of 2022.