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Raiffeisenbank Bulgaria

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Raiffeisenbank Bulgaria

Raiffeisenbank (Bulgaria) EAD is a Bulgaria-based medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. At the end of 2013, the Bank had some 166 branches and 580 ATMs and employed nearly 3,200 persons. The Bank was founded in 1994 and is headquartered in Sofia, Bulgaria. Raiffeisenbank Bulgaria EAD is fully consolidated subsidiary of

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Raiffeisenbank (Bulgaria) EAD is a Bulgaria-based medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. At the end of 2013, the Bank had some 166 branches and 580 ATMs and employed nearly 3,200 persons. The Bank was founded in 1994 and is headquartered in Sofia, Bulgaria. Raiffeisenbank Bulgaria EAD is fully consolidated subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. RBI now operates in 17 different countries, employes about 60,000 people and services approximatelly 14.4 million customers through more than 3,100 branches.

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summary Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                    280 233 227 236 213    
                    375 324 313 330 308    
...                   188 144 124 156 130    
                    50.4 3.31 -45.0 46.9 62.6    

balance sheet

                    542 355 449 394 783    
                    4,606 4,482 4,188 3,612 3,555    
                    837 748 749 936 777    
                    6,544 6,177 5,963 5,985 6,463    
                    958 918 871 918 920    
                    909 601 595 394 349    
                    4,356 4,362 4,169 4,230 4,753    
                    179 187 253 366 368    

ratios

                    5.32% 0.353% -5.03% 5.25% 6.81%    
                    0.768% 0.052% -0.741% 0.786% 1.01%    
...                   2.86% 2.82% 3.12% 2.92% 2.86%    
...                   50.0% 55.4% 60.4% 52.8% 57.7%    
... ...                 17.6% 17.1% 19.2% 36.7% 36.5%    
                    4.27% 3.66% 3.74% 3.95% 3.42%    
                    74.6% 71.8% 72.5% 71.5% 69.1%    
                    15.8% 18.5% 19.9% 20.2% 22.8%    
...                   41.8% 40.6% 37.6% 39.8% 39.9%    
                    14.6% 14.9% 14.6% 15.3% 14.2%    
                    106% 103% 100% 85.4% 74.8%    
                    70.4% 72.6% 70.2% 60.4% 55.0%    
... ... ... ... ...           8.18% 8.28% 8.40% 5.93% 11.0%    
... ... ... ... ...           89.4% 109% 118% 130% 66.3%    

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

income statement

Interest Income BGN mil
Interest Cost BGN mil
Net Interest Income BGN mil
Net Fee Income BGN mil
Other Income BGN mil
Total Revenues BGN mil
Staff Cost BGN mil
Depreciation BGN mil
Other Cost BGN mil
Operating Cost BGN mil
Operating Profit BGN mil
Provisions BGN mil
Extra and Other Cost BGN mil
Pre-Tax Profit BGN mil
Tax BGN mil
Minorities BGN mil
Net Profit BGN mil
                    432 367 321 299 245    
                    152 135 93.5 62.4 32.0    
                    280 233 227 236 213    
                    59.4 59.9 62.3 66.8 70.4    
                    35.9 31.5 23.9 27.3 24.7    
                    375 324 313 330 308    
...                   78.4 73.0 71.1 69.5 70.9    
...                   22.2 21.7 20.7 15.5 11.3    
                    87.0 84.8 97.3 89.5 95.6    
...                   188 179 189 175 178    
...                   188 144 124 156 130    
                    132 141 174 103 60.9    
...                   0.000 < 0.001 0.010 0.361 0.000    
                    55.9 3.61 -49.8 52.1 69.4    
                    5.54 0.297 -4.81 5.12 6.85    
                    0.000 0.000 0.000 0.000 0.000    
                    50.4 3.31 -45.0 46.9 62.6    

growth rates

...                   -5.06% -17.0% -2.30% 3.99% -9.81%    
...                   7.85% 0.909% 3.96% 7.28% 5.33%    
...                   -3.32% -13.7% -3.26% 5.43% -6.73%    
... ...                 1.27% -4.34% 5.37% -7.70% 1.89%    
... ...                 -7.50% -23.1% -14.0% 25.4% -16.4%    
...                   13.2% -93.5% -1,479% -205% 33.4%    
...                   13.3% -93.4% -1,457% -204% 33.3%    

market share

                    9.55% 8.49% 8.45% 8.47% 7.47%    
                    10.6% 0.631% ... 6.61% 6.97%    
... ...                 10.2% 9.88% 9.56% 9.20% 9.03%    
... ... ... ... ... ... ...       6.01% 5.69% 5.95% 6.33% 6.45%   ...
... ... ...               4.90% 4.72% 4.40% 4.13% 3.98%   ...

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

balance sheet

                    475 517 506 929 1,276    
                    542 355 449 394 783    
                    4,606 4,482 4,188 3,612 3,555    
                    1,381 1,374 1,569 1,484 1,382    
... ... ... ... ...           729 698 824 771 741    
... ... ... ... ...           549 590 666 641 641    
                    3,589 3,552 3,082 2,429 2,388    
                    837 748 749 936 777    
                    63.7 48.2 35.2 27.2 42.2    
                    6,544 6,177 5,963 5,985 6,463    
                    958 918 871 918 920    
                    0.000 0.000 0.000 0.000 0.000    
                    5,586 5,259 5,092 5,067 5,544    
                    909 601 595 394 349    
                    4,356 4,362 4,169 4,230 4,753    
                    2,151 2,217 2,162 2,366 2,653    
                    2,205 2,145 2,008 1,864 2,100    
... ... ... ... ... ... ... ... ... ... ... ... 2,152 2,347 3,024    
... ... ... ... ... ... ... ... ... ... ... ... 2,017 1,883 1,729    
                    179 187 253 366 368    
                    142 108 74.6 78.2 74.3    

asset quality

... ... ... ... ...           407 408 391 232 421    
                    4,970 4,926 4,651 3,913 3,834    
                    364 443 463 301 279    

growth rates

...                   7.57% -2.68% -6.57% -13.8% -1.57%    
...                   8.91% -0.517% 14.2% -5.41% -6.83%    
... ... ... ... ... ...         3.40% -4.18% 18.0% -6.46% -3.87%    
... ... ... ... ... ...         20.7% 7.38% 12.9% -3.76% 0.121%    
...                   8.41% -1.02% -13.2% -21.2% -1.68%    
...                   -0.396% -5.61% -3.46% 0.367% 7.99%    
...                   2.24% -4.16% -5.13% 5.39% 0.182%    
...                   5.71% 0.137% -4.42% 1.46% 12.4%    
...                   9.85% 3.05% -2.50% 9.47% 12.1%    
...                   1.94% -2.71% -6.42% -7.16% 12.7%    

market share

                    8.50% 8.05% 7.50% 7.01% 7.01%    
                    10.7% 10.1% 8.78% 7.83% 7.84%    
... ... ... ... ...           5.48% 6.03% 6.75% 6.65% 6.76%    
                    7.31% 7.34% 8.40% 8.07% 7.62%    
... ... ... ... ...           8.21% 7.81% 9.33% 8.81% 8.57%    
                    10.9% 9.57% 8.55% 8.53% 8.49%    
                    8.15% 7.53% 6.63% 6.59% 7.11%    
                    6.97% 6.43% 5.73% 6.03% 6.23%    
                    16.1% 15.0% 13.0% 12.1% 11.5%    

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

ratios

                    5.32% 0.353% -5.03% 5.25% 6.81%    
                    0.768% 0.052% -0.741% 0.786% 1.01%    
...                   2.86% 2.82% 3.12% 2.92% 2.86%    
...                   50.0% 55.4% 60.4% 52.8% 57.7%    
... ...                 17.6% 17.1% 19.2% 36.7% 36.5%    
... ...                 16.0% 16.3% 16.9% 26.1% 25.4%    
                    4.27% 3.66% 3.74% 3.95% 3.42%    
...                   3.88% 3.29% 3.48% 3.77% 3.33%    
                    6.59% 5.77% 5.28% 5.00% 3.94%    
...                   2.71% 2.48% 1.81% 1.23% 0.603%    
                    74.6% 71.8% 72.5% 71.5% 69.1%    
                    15.8% 18.5% 19.9% 20.2% 22.8%    
                    9.57% 9.72% 7.63% 8.27% 8.01%    
... ...                 1,337 1,206 1,284 1,308 1,254    
... ...                 1,881 1,836 1,892 1,985 2,135    
...                   41.8% 40.6% 37.6% 39.8% 39.9%    
                    14.6% 14.9% 14.6% 15.3% 14.2%    
                    106% 103% 100% 85.4% 74.8%    
                    70.4% 72.6% 70.2% 60.4% 55.0%    
... ... ... ... ...           8.18% 8.28% 8.40% 5.93% 11.0%    
... ... ... ... ...           89.4% 109% 118% 130% 66.3%    
                    7.90% 9.89% 11.0% 8.33% 7.85%    
                    2.97% 3.10% 4.01% 2.65% 1.70%    

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

other data

... ...                 185 181 166 154 147    
... ...                 3,474 3,312 3,133 2,917 2,767    
... ... ... ... ...           613 613 580 590 570    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ...       480 470 460 465 470    
... ... ... ... ... ... ... ... ... ... ... ... 51.6% 55.5% 63.6%    

Download Data
Raiffeisenbank Bulgaria at a Glance

Raiffeisenbank (Bulgaria) EAD is a Bulgaria-based medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. At the end of 2013, the Bank had some 166 branches and 580 ATMs and employed nearly 3,200 persons. The Bank was founded in 1994 and is headquartered in Sofia,

Read more »

Raiffeisenbank (Bulgaria) EAD is a Bulgaria-based medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. At the end of 2013, the Bank had some 166 branches and 580 ATMs and employed nearly 3,200 persons. The Bank was founded in 1994 and is headquartered in Sofia, Bulgaria. Raiffeisenbank Bulgaria EAD is fully consolidated subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. RBI now operates in 17 different countries, employes about 60,000 people and services approximatelly 14.4 million customers through more than 3,100 branches.

This report offers a summary of the bank's performance in 2001-2013. 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 and the key statistics of the whole banking system in Bulgaria

Raiffeisenbank Bulgaria in Numbers

Raiffeisenbank (Bulgaria) EAD is a Bulgaria-based medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. At the end of 2013, the Bank had some 166 branches and 580 ATMs and employed nearly 3,200 persons. The Bank was founded in 1994 and is headquartered in Sofia,

Read more »

Raiffeisenbank (Bulgaria) EAD is a Bulgaria-based medium-sized universal bank. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. At the end of 2013, the Bank had some 166 branches and 580 ATMs and employed nearly 3,200 persons. The Bank was founded in 1994 and is headquartered in Sofia, Bulgaria. Raiffeisenbank Bulgaria EAD is fully consolidated subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. RBI now operates in 17 different countries, employes about 60,000 people and services approximatelly 14.4 million customers through more than 3,100 branches.

This excel file offers a summary of the bank's performance in 2001-2013. 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 and the key statistics of the whole banking system in Bulgaria

Raiffeisenbank Bulgaria made a net profit of BGN 137 mil under revenues of BGN 314 mil in 2017, up -1.05% and -4.08% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of BGN

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Raiffeisenbank Bulgaria made a net profit of BGN 137 mil under revenues of BGN 314 mil in 2017, up -1.05% and -4.08% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of BGN 139 mil in 2016 and an all time low of BGN -45.0 mil in 2013. The average profit in the last five years amounted to BGN 68.1 mil.

On the other hand, bank’s revenues amounted to an all time high of BGN 388 mil in 2010 and an all time low of BGN 21.3 mil in 2001. The average revenues in the last five years reached BGN 319 mil.

When compared to bank's main peers, DSK Bank generated a net profit of BGN 285 mil with revenues of BGN 715 mil in 2017, United Bulgarian Bank netted BGN -47.4 mil (revenues of BGN 346 mil) and UniCredit Bulbank announced a net profit of BGN 412 mil (revenues of BGN 868 mil).

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

Raiffeisenbank Bulgaria made a net profit of BGN 137 mil in 2017, down 1.05% when compared to the last year. This implies a return on equity of 14.9%.

Historically, the bank’s net profit reached an all time high of BGN 139

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Raiffeisenbank Bulgaria made a net profit of BGN 137 mil in 2017, down 1.05% when compared to the last year. This implies a return on equity of 14.9%.

Historically, the bank’s net profit reached an all time high of BGN 139 mil in 2016 and an all time low of BGN -45.0 mil in 2013. The average profit in the last five years amounted to BGN 68.1 mil.

The bank generated its shareholders an average return on equity of 7.41% in the last five years with maximum at 15.1% and minimum at -5.03%

When compared to bank's main peers, DSK Bank generated a net profit of BGN 285 mil with ROE of 17.7% in 2017, United Bulgarian Bank netted BGN -47.4 mil (ROE of -4.55%) and UniCredit Bulbank announced a net profit of BGN 412 mil implying ROE of 13.4%.

Raiffeisenbank Bulgaria has been ranked 21th within the group of 130 banks we follow in terms of return on equity in 2017.

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

Raiffeisenbank Bulgaria's net interest margin amounted to 3.00% in 2017, down from 3.30% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 4.46% in 2010 and an

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Raiffeisenbank Bulgaria's net interest margin amounted to 3.00% in 2017, down from 3.30% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 4.46% in 2010 and an all time low of 3.00% in 2017. The average margin in the last five years amounted to 3.48%.

Average asset yield was 3.26% in 2017, down from 3.64% when compared to previous year. On the other hand, cost of funding amounted to 0.304% in 2017, down from 0.398%.

When compared to bank's main peers, DSK Bank operated in 2017 with a net interest margin of 3.91% in 2017, United Bulgarian Bank reached 3.16% and UniCredit Bulbank some 2.92%.

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

Raiffeisenbank Bulgaria's cost to income ratio reached 54.8% in 2017, up from 52.7% when compared to the previous year.

Historically, the bank’s costs reached an all time high of 60.4% of income in 2013 and an all time low

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Raiffeisenbank Bulgaria's cost to income ratio reached 54.8% in 2017, up from 52.7% when compared to the previous year.

Historically, the bank’s costs reached an all time high of 60.4% of income in 2013 and an all time low of 44.0% in 2004.

When compared to total assets, bank's cost amounted to 2.51% in 2017, down from 2.67% a year earlier.

Staff accounted for 45.0% of total operating expenditures in 2017. The bank operated a network of 134 branches and employed 2,711 persons in 2017.

When compared to bank's main peers, DSK Bank operated in 2017 with a cost to income ratio of 48.0% in 2017, United Bulgarian Bank reached 51.5% and UniCredit Bulbank some 31.6%.

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

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