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Raiffeisen Stavebni Sporitelna

RSS's employees fell 55.1% yoy to 84.0 in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna employed 84.0 persons in 2022-09-30, up 1.20% when compared to the previous year. Historically, t...

RSS's mortgage loans rose 14.7% yoy to CZK 64,490 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 64,490 mil in 2022-09-30, up 1.95% compared to the previous year. C...

RSS's customer loans rose 13.7% yoy to CZK 69,724 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's customer loans reached CZK 69,724 mil in 2022-09-30, up 1.95% compared to the previous year. C...

Annual Quarterly
Profit Statement 2019 2020 2021
Net Interest Income CZK mil 1,041 947 940
Net Fee Income CZK mil 244 237 204
Other Income CZK mil -23.0 -14.0 0.413
Total Revenues CZK mil 1,262 1,170 1,145
Staff Cost CZK mil 273 294 222
Operating Profit CZK mil 721 604 478
Provisions CZK mil 54.0 329 -77.1
Net Profit CZK mil 536 217 443
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 4,757 7,938 7,906
Customer Loans CZK mil 54,064 57,045 64,361
Investments CZK mil 10,993 8,255 4,749
Total Assets CZK mil 71,833 75,310 78,990
Shareholders' Equity CZK mil 5,012 5,229 5,415
Interbank Borrowing CZK mil 0 0 2,302
Customer Deposits CZK mil 65,762 69,182 70,395
Issued Debt Securities CZK mil 302 302 648
Ratios 2019 2020 2021
ROE % 11.0 4.24 8.33
ROA % 0.761 0.295 0.575
Costs (As % Of Assets) % 0.768 0.769 0.865
Costs (As % Of Income) % 42.9 48.4 58.3
Capital Adequacy Ratio % 15.6 17.2 15.2
Net Interest Margin % 1.48 1.29 1.22
Loans (As % Of Deposits) % 82.2 82.5 91.4
NPLs (As % Of Loans) % 1.80 1.29 0.994
Provisions (As % Of NPLs) % 98.1 141 149
Growth Rates 2019 2020 2021
Total Revenue Growth % 2.36 -7.29 -2.16
Operating Cost Growth % -2.72 4.62 17.8
Operating Profit Growth % 6.54 -16.2 -20.9
Net Profit Growth % 4.00 -59.5 104
Customer Loan Growth % 7.38 5.51 12.8
Total Asset Growth % 4.02 4.84 4.89
Customer Deposit Growth % 3.51 5.20 1.75
Shareholders' Equity Growth % 5.12 4.33 3.55
Employees 268 265 174

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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
income statement                                              
Net Interest Income CZK mil                                 766 866 903 987 1,041    
Total Revenues CZK mil                                 946 981 1,088 1,233 1,262    
Operating Profit CZK mil                                 500 511 603 677 721    
Net Profit CZK mil                                 392 530 444 516 536    
balance sheet                                              
Interbank Loans CZK mil                                 7.00 1,808 457 1,043 4,757    
Customer Loans CZK mil                                 37,732 38,457 41,615 50,350 54,064    
Investments CZK mil                                 32,897 24,053 16,496 15,443 10,993    
Total Assets CZK mil                                 75,580 66,243 67,230 69,057 71,833    
                                                 
Shareholders' Equity CZK mil                                 4,719 4,785 4,771 4,768 5,012    
Interbank Borrowing CZK mil                                 0 0 0 0 0    
Customer Deposits CZK mil                                 70,157 60,817 61,211 63,533 65,762    
Issued Debt Securities CZK mil ... ...                             0 0 472 500 302    
ratios                                              
ROE % ...                               8.33 11.2 9.29 10.8 11.0    
ROA % ...                               0.506 0.747 0.665 0.757 0.761    
Costs (As % Of Assets) % ...                               0.576 0.663 0.727 0.816 0.768    
Costs (As % Of Income) %                                 47.1 47.9 44.6 45.1 42.9    
Capital Adequacy Ratio % ... ...                             16.1 16.1 16.0 14.5 15.6    
Net Interest Margin % ...                               0.989 1.22 1.35 1.45 1.48    
Interest Income (As % Of Revenues) %                                 81.0 88.3 83.0 80.1 82.5    
Fee Income (As % Of Revenues) %                                 23.5 14.9 8.73 20.1 19.3    
Staff Cost (As % Of Total Cost) %                                 49.6 48.7 50.3 45.5 50.5    
Equity (As % Of Assets) %                                 6.24 7.22 7.10 6.90 6.98    
Loans (As % Of Deposits) %                                 53.8 63.2 68.0 79.3 82.2    
Loans (As % Assets) %                                 49.9 58.1 61.9 72.9 75.3    
NPLs (As % Of Loans) % ... ...                             3.90 3.48 2.95 2.33 1.80    
Provisions (As % Of NPLs) % ... ...                             67.0 68.2 77.9 94.7 98.1    
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
income statement                                              
Interest Income CZK mil                                 2,201 1,931 1,792 1,828 1,904    
Interest Cost CZK mil                                 1,435 1,065 889 841 863    
Net Interest Income CZK mil                                 766 866 903 987 1,041    
Net Fee Income CZK mil                                 222 146 95.0 247 244    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 336    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 92.0    
Other Income CZK mil                                 -42.0 -31.0 90.0 -1.59 -23.0    
Insurance Premium Earned CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Total Revenues CZK mil                                 946 981 1,088 1,233 1,262    
Staff Cost CZK mil                                 221 229 244 253 273    
Depreciation CZK mil                                 33.0 38.0 43.0 50.5 87.0    
Other Cost CZK mil                                 192 203 198 253 181    
Operating Cost CZK mil                                 446 470 485 556 541    
Operating Profit CZK mil                                 500 511 603 677 721    
Provisions CZK mil                                 28.0 -130 67.0 33.6 54.0    
Extra and Other Cost CZK mil                                 0 0 0 0.439 0.011    
Pre-Tax Profit CZK mil                                 472 641 536 643 667    
Tax CZK mil                                 80.0 111 92.0 127 131    
Minorities CZK mil                                 0 0 0 0 0    
Net Profit CZK mil                                 392 530 444 516 536    
Net Profit Avail. to Common CZK mil                                 392 530 444 516 536    
Dividends CZK mil ... ... ...                           250 300 300 300 0 ... ...
growth rates                                              
Net Interest Income Growth % ...                               -14.2 13.1 4.27 9.32 5.46    
Net Fee Income Growth % ...                               -2.20 -34.2 -34.9 160 -1.34    
Total Revenue Growth % ...                               -11.4 3.70 10.9 13.3 2.36    
Operating Cost Growth % ...                               -4.29 5.38 3.19 14.7 -2.72    
Operating Profit Growth % ...                               -16.9 2.20 18.0 12.2 6.54    
Pre-Tax Profit Growth % ...                               -1.46 35.8 -16.4 19.9 3.79    
Net Profit Growth % ...                               -1.51 35.2 -16.2 16.1 4.00    
market share                                              
Market Share in Revenues %                                 0.543 0.544 0.607 0.648 0.624    
Market Share in Net Profit % ...                               0.591 0.717 0.589 0.633 0.589    
Market Share in Employees % ... ...                             0.629 0.646 0.640 0.638 0.644    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ...             8.31 9.14 9.10 9.10 9.96   ...
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
balance sheet                                              
Cash & Cash Equivalents CZK mil                                 3,584 614 1,028 913 605    
Interbank Loans CZK mil                                 7.00 1,808 457 1,043 4,757    
Customer Loans CZK mil                                 37,732 38,457 41,615 50,350 54,064    
Retail Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   31,651 32,484 37,059 45,305 49,903    
Mortgage Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   31,651 32,484 37,059 45,305 49,903    
Consumer Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0 0 0 0 0    
Corporate Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   6,987 6,808 4,564 5,045 5,117    
Investments CZK mil                                 32,897 24,053 16,496 15,443 10,993    
Property and Equipment CZK mil                                 163 191 216 234 371    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 215    
Total Assets CZK mil                                 75,580 66,243 67,230 69,057 71,833    
                                                 
Shareholders' Equity CZK mil                                 4,719 4,785 4,771 4,768 5,012    
Of Which Minority Interest CZK mil ... ...                             0 0 0 0 0    
Liabilities CZK mil                                 70,861 61,458 62,459 64,289 66,821    
Interbank Borrowing CZK mil                                 0 0 0 0 0    
Customer Deposits CZK mil                                 70,157 60,817 61,211 63,533 65,762    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   68,594 59,320 60,795 63,533 64,415    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   696 670 175 0 510    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 7,912   ...
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 56,503   ...
Issued Debt Securities CZK mil ... ...                             0 0 472 500 302    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302   ...
Other Liabilities CZK mil ... ...                             704 641 776 255 757    
asset quality                                              
Non-Performing Loans CZK mil ... ...                             1,513 1,372 1,257 1,174 988    
Gross Loans CZK mil ... ...                             38,746 39,393 42,594 50,350 55,033    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ...         26,352 26,670 26,799 29,570 29,286    
Total Provisions CZK mil ... ...                             1,014 936 979 1,111 969    
growth rates                                              
Customer Loan Growth % ...                               -0.862 1.92 8.21 21.0 7.38    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -0.016 2.63 14.1 22.3 10.1    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -0.016 2.63 14.1 22.3 10.1    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -4.08 -2.56 -33.0 10.5 1.43    
Total Asset Growth % ...                               -4.66 -12.4 1.49 2.72 4.02    
Shareholders' Equity Growth % ...                               0.533 1.40 -0.285 -0.076 5.12    
Customer Deposit Growth % ...                               -4.60 -13.3 0.647 3.79 3.51    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -4.63 -13.5 2.49 4.50 1.39    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -10.1 -3.74 -73.9 -100 ...    
market share                                              
Market Share in Customer Loans %                                 1.36 1.30 1.35 1.52 1.57    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0.759 0.698 0.447 0.467 0.457    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0 0 0 0 0    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   2.39 2.29 2.42 2.75 2.86    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   3.26 3.08 3.23 3.64 3.75    
Market Share in Total Assets %                                 1.36 1.10 0.952 0.942 0.952    
Market Share in Customer Deposits %                                 1.99 1.61 1.47 1.43 1.39    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   3.37 2.69 2.56 2.48 2.36    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0.076 0.073 0.018 0 0.047    
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
                                               
ROE % ...                               8.33 11.2 9.29 10.8 11.0    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...       9.20 13.3 11.1 12.2 12.1    
ROA % ...                               0.506 0.747 0.665 0.757 0.761    
Return on Loans % ...                               1.03 1.39 1.11 1.12 1.03    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...       1.76 1.93 2.26 2.40 2.45    
Costs (As % Of Assets) % ...                               0.576 0.663 0.727 0.816 0.768    
Costs (As % Of Income) %                                 47.1 47.9 44.6 45.1 42.9    
Costs (As % Of Loans) % ...                               1.18 1.23 1.21 1.21 1.04    
Costs (As % Of Loans & Deposits) % ...                               0.406 0.454 0.480 0.513 0.463    
Capital Adequacy Ratio % ... ...                             16.1 16.1 16.0 14.5 15.6    
Tier 1 Ratio % ... ...                             16.1 16.1 16.0 14.5 14.6    
Net Interest Margin % ...                               0.989 1.22 1.35 1.45 1.48    
Interest Spread % ...                               0.869 1.11 1.25 1.36 1.39    
Asset Yield % ...                               2.84 2.72 2.69 2.68 2.70    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...       3.33 3.70 4.07 4.37 4.29    
Cost Of Liabilities % ...                               1.97 1.61 1.43 1.33 1.32    
Payout Ratio % ... ... ...                           63.8 56.6 67.6 58.2 0 ... ...
Interest Income (As % Of Revenues) %                                 81.0 88.3 83.0 80.1 82.5    
Fee Income (As % Of Revenues) %                                 23.5 14.9 8.73 20.1 19.3    
Other Income (As % Of Revenues) %                                 -4.44 -3.16 8.27 -0.129 -1.82    
Staff Cost (As % Of Total Cost) %                                 49.6 48.7 50.3 45.5 50.5    
Equity (As % Of Assets) %                                 6.24 7.22 7.10 6.90 6.98    
Equity (As % Of Loans) %                                 12.5 12.4 11.5 9.47 9.27    
Loans (As % Of Deposits) %                                 53.8 63.2 68.0 79.3 82.2    
Loans (As % Assets) %                                 49.9 58.1 61.9 72.9 75.3    
NPLs (As % Of Loans) % ... ...                             3.90 3.48 2.95 2.33 1.80    
Provisions (As % Of NPLs) % ... ...                             67.0 68.2 77.9 94.7 98.1    
Provisions (As % Of Loans) % ... ...                             2.69 2.43 2.35 2.21 1.79    
Cost of Provisions (As % Of Loans) % ...                               0.074 -0.341 0.167 0.073 0.103    
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
                                               
Branches ... ... ... ... ... ... ... ... ... ...             180 187 177 178 189    
Employees ... ...                             259 265 268 267 268    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ...             1.44 1.42 1.51 1.50 1.42    
Cost Per Employee USD per month ... ...                             2,979 2,854 3,233 3,607 3,766    
Cost Per Employee (Local Currency) CZK per month ... ...                             71,107 72,013 75,871 78,907 84,888    
Insurance Fee Income (As % of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
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
                                               
Customers mil ... ...                             0.631 0.588 0.560 0.557 0.584    
Number of Accounts mil ... ...                             0.631 0.588 0.560 0.557 0.584    
Number of Primary Customers mil ... ...                             0.101 0.099 0.099 0.100 0.095    
Number of Mortgages mil ... ...                             0.101 0.099 0.099 0.100 0.095    
Average Size of Deposit CZK ... ...                             111,183 103,384 109,376 114,144 112,668    
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   313,976 327,969 376,071 452,916 524,700    
Accounts (As % of Total Clients) % ... ...                             100 100 100 100 100    
Primary (As % of Total Clients) % ... ...                             16.0 16.8 17.6 18.0 16.3    
Mortgages (As % of Total Clients) % ... ...                             16.0 16.8 17.6 18.0 16.3    
Revenue per Customer (Local Currency) CZK ... ...                             1,499 1,668 1,944 2,215 2,162    
Net Profit per Customer (Local Currency) CZK ... ...                             621 901 793 926 919    
Loan per Customer (Local Currency) CZK ... ...                             59,797 65,374 74,360 90,459 92,626    
Deposit per Customer (Local Currency) CZK ... ...                             111,183 103,384 109,376 114,144 112,668    
Revenue per Customer USD ... ...                             62.8 66.1 82.9 101 95.9    
Net Profit per Customer USD ... ...                             26.0 35.7 33.8 42.3 40.8    
Loan per Customer USD ... ...                             2,409 2,550 3,493 4,026 4,095    
Deposit per Customer USD ... ...                             4,479 4,032 5,137 5,081 4,981    

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RSS's npls (as % of loans) fell 17.5% yoy to 0.941% in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's non-performing loans reached 0.941% of total loans at the end of 2022-09-30, down from 1.14% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.57% in 2015-03-31 and an all time low of 0.941% in 2...

RSS's retail loans rose 14.7% yoy to CZK 64,490 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's retail loans reached CZK 64,490 mil in the third quarter of 2022, up 1.95% compared to the previous year. Czech banking sector provided retail loans of CZK 2,121 bil in 3Q2022, up 1.19% when compared to the last year. Raif...

RSS's capital adequacy ratio rose 7.28% yoy to 16.5% in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 16.5% at the end of third quarter of 2022, up from 16.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 17.5% in 1Q2004 and an all time low of 9.2...

RSS's net profit fell 14.2% yoy to CZK 114 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna made a net profit of CZK 114 mil in the third quarter of 2022, down 14.2% when compared to the same period of last year. This implies a return on equity of 7.88%. Historically, the bank’s net profit reached an all time high of CZK 3...

RSS's net profit fell 14.2% yoy to CZK 114 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna made a net profit of CZK 114 mil under revenues of CZK 295 mil in the third quarter of 2022, down 14.2% and up 13.9% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all...

RSS's net interest margin fell 0.751% yoy to 1.13% in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's net interest margin amounted to 1.13% in the third quarter of 2022, down from 1.24% 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 ti...

RSS's total revenues rose 22.0% yoy to CZK 316 mil in 2Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna generated total banking revenues of CZK 316 mil in 2022-06-30, up 2.36% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% when compare...

RSS's customer deposits fell 11.0% yoy to CZK 61,943 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's customer deposits reached CZK 61,943 mil in 2022-09-30, down 2.74% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,417 bil in 2022-09-30, up 1.21% when compared to the last year. Rai...

RSS's retail deposits fell 10.9% yoy to CZK 61,333 mil in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's retail deposits reached CZK 61,333 mil in 2022-09-30, down 2.74% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,346 bil in 2022-09-30, up 0.685% when compared to the last year. Raiffe...

RSS's costs (as % of assets) fell 15.3% yoy to 0.706% in 3Q2022

By Helgi Analytics - November 26, 2022

Raiffeisen Stavebni Sporitelna's cost to income ratio reached 45.3% in the third quarter of 2022, down from 48.2% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 73.1% of income in 1Q2021 and an all time low of ...

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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 Logo

Finance

Raiffeisen Stavebni Sporitelna has been growing its revenues and asset by -3.04% and -0.316% a year on average in the last 10 years. Its loans and deposits have grown by 4.77% and -0.702% a year during that time and loans to deposits ratio reached 91.4% at the end of 2021. The company achieved an average return on equity of 9.26% in the last decade with net profit growing -4.50% a year on average. In terms of operating efficiency, its cost to income ratio reached 58.3% in 2021, compared to 46.1% average in the last decade.

Equity represented 6.85% of total assets or 8.41% of loans at the end of 2021. Raiffeisen Stavebni Sporitelna's non-performing loans were 0.994% of total loans while provisions covered some 149% of NPLs at the end of 2021.

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