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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 < 0.001 0.010 0.361 0    
                    55.9 3.61 -49.8 52.1 69.4    
                    5.54 0.297 -4.81 5.12 6.85    
                    0 0 0 0 0    
                    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% 4.14% 3.99%    

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 0 0 0 0    
                    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
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 28 Banks in Bulgaria

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 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 28 Bulgarian banks from 2000 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.

Raiffeisenbank Bulgaria in Numbers

This Annual statistical dossier offers a summary of Raiffeisenbank Bulgaria's performance between 2001 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 Raiffeisenbank Bulgaria's performance between 2001 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 Bulgaria'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.

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

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.

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Raiffeisen Bulgaria's net interest margin fell 9.01% to 3.00% in 2017
Raiffeisen Bulgaria's net profit fell 1.05% to BGN 137 mil in 2017
Raiffeisen Bulgaria's customer deposits rose 13.6% to BGN 5,377 mil in 2017
Raiffeisen Bulgaria's consumer loans rose 18.4% to BGN 1,033 mil in 2017
Raiffeisen Bulgaria's retail deposits rose 10.8% to BGN 3,015 mil in 2017
Raiffeisen Bulgaria's capital adequacy ratio fell 2.11% to 31.6% in 2017
Raiffeisen Bulgaria's branches fell 1.47% to 134 in 2017
Raiffeisen Bulgaria's mortgage loans rose 4.72% to BGN 823 mil in 2017
Raiffeisen Bulgaria's costs (as % of assets) fell 5.67% to 2.51% in 2017
Raiffeisen Bulgaria's npls (as % of loans) fell 38.6% to 4.33% in 2017
Raiffeisen Bulgaria's total revenues fell 4.08% to BGN 314 mil in 2017
Raiffeisen Bulgaria's employees fell 0.914% to 2,711 in 2017
Raiffeisen Bulgaria's customer loans rose 11.1% to BGN 4,420 mil in 2017
Raiffeisen Bulgaria's payment cards rose 4.17% to 500 '000 in 2017
Raiffeisen Bulgaria's corporate deposits rose 17.3% to BGN 2,362 mil in 2017
Raiffeisen Bulgaria's corporate loans rose 6.72% to BGN 2,741 mil in 2017
Raiffeisen Bulgaria's net interest income fell 3.85% to BGN 206 mil in 2017
Raiffeisen Bulgaria's customer loan growth fell 7.27% to 11.1% in 2017
Raiffeisen Bulgaria's retail loan growth fell 40.1% to 11.9% in 2017