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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

income statement

                258 295 280 233 227    
                361 388 375 324 313    
...               166 203 188 144 124    
                44.4 44.4 50.4 3.31 -45.0    

balance sheet

                905 966 542 355 449    
                4,439 4,282 4,606 4,482 4,188    
                710 781 837 748 749    
                6,651 6,570 6,544 6,177 5,963    
                918 937 958 918 871    
                1,194 1,277 909 601 595    
                4,321 4,121 4,356 4,362 4,169    
                179 179 179 187 253    

ratios

                4.96% 4.79% 5.32% 0.353% -5.03%    
                0.656% 0.672% 0.768% 0.052% -0.741%    
...               2.88% 2.80% 2.86% 2.82% 3.12%    
...               54.1% 47.7% 50.0% 55.4% 60.4%    
... ...             17.5% 18.9% 17.6% 17.1% 19.2%    
                3.82% 4.46% 4.27% 3.66% 3.74%    
                71.6% 76.0% 74.6% 71.8% 72.5%    
                16.5% 14.2% 15.8% 18.5% 19.9%    
...               45.2% 43.5% 41.8% 40.6% 37.6%    
                13.8% 14.3% 14.6% 14.9% 14.6%    
                103% 104% 106% 103% 100%    
                66.7% 65.2% 70.4% 72.6% 70.2%    
... ... ... ... ...       2.36% 8.22% 8.18% 10.3% 12.7%    
... ... ... ... ...       159% 78.7% 89.4% 87.3% 78.3%    

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

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
                491 464 432 367 321    
                232 169 152 135 93.5    
                258 295 280 233 227    
                59.6 55.1 59.4 59.9 62.3    
                42.9 38.2 35.9 31.5 23.9    
                361 388 375 324 313    
...               88.3 80.6 78.4 73.0 71.1    
...               19.3 21.4 22.2 21.7 20.7    
                87.5 83.2 87.0 84.8 97.3    
...               195 185 188 179 189    
...               166 203 188 144 124    
                173 296 364 443 463    
...               0.000 0.000 0.000 < 0.001 0.010    
                49.4 49.4 55.9 3.61 -49.8    
                4.97 4.96 5.54 0.297 -4.81    
                0.000 0.000 0.000 0.000 0.000    
                44.4 44.4 50.4 3.31 -45.0    

growth rates

...               -2.36% 14.2% -5.06% -17.0% -2.30%    
...               -4.24% -7.55% 7.85% 0.909% 3.96%    
...               -1.90% 7.61% -3.32% -13.7% -3.26%    
... ...             3.90% -5.06% 1.27% -4.34% 5.37%    
... ...             -7.94% 22.5% -7.50% -23.1% -14.0%    
...               -67.3% -0.026% 13.2% -93.5% -1,479%    
...               -67.2% -0.005% 13.3% -93.4% -1,457%    

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

balance sheet

                485 444 475 517 506    
                905 966 542 355 449    
                4,439 4,282 4,606 4,482 4,188    
... ... ... ... ...       733 705 729 698 824    
... ... ... ... ...       385 455 549 590 666    
                3,379 3,310 3,589 3,552 3,082    
                710 781 837 748 749    
                89.5 77.6 63.7 48.2 35.2    
                6,651 6,570 6,544 6,177 5,963    
                918 937 958 918 871    
                0.000 0.000 0.000 0.000 0.000    
                5,733 5,633 5,586 5,259 5,092    
                1,194 1,277 909 601 595    
                4,321 4,121 4,356 4,362 4,169    
                1,959 1,958 2,151 2,217 2,162    
                2,362 2,163 2,205 2,145 2,008    
... ... ... ... ... ... ... ... ... ... ... ... 2,152    
... ... ... ... ... ... ... ... ... ... ... ... 2,017    
                179 179 179 187 253    
                39.4 56.3 142 108 74.6    

asset quality

Non-Performing Loans BGN mil
Gross Loans BGN mil
Provisions BGN mil
... ... ... ... ...       109 376 407 508 591    
                4,612 4,578 4,970 4,926 4,651    
                173 296 364 443 463    

growth rates

...               9.80% -3.55% 7.57% -2.68% -6.57%    
...               61.4% 2.87% 8.91% -0.517% 14.2%    
... ... ... ... ... ...     53.6% -3.85% 3.40% -4.18% 18.0%    
... ... ... ... ... ...     103% 18.3% 20.7% 7.38% 12.9%    
...               0.577% -2.04% 8.41% -1.02% -13.2%    
...               -3.46% -1.22% -0.396% -5.61% -3.46%    
...               5.09% 2.07% 2.24% -4.16% -5.13%    
...               -1.96% -4.63% 5.71% 0.137% -4.42%    
...               8.39% -0.036% 9.85% 3.05% -2.50%    
...               -9.15% -8.43% 1.94% -2.71% -6.42%    

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

ratios

                4.96% 4.79% 5.32% 0.353% -5.03%    
                0.656% 0.672% 0.768% 0.052% -0.741%    
...               2.88% 2.80% 2.86% 2.82% 3.12%    
...               54.1% 47.7% 50.0% 55.4% 60.4%    
... ...             17.5% 18.9% 17.6% 17.1% 19.2%    
... ...             15.0% 16.7% 16.0% 16.3% 16.9%    
                3.82% 4.46% 4.27% 3.66% 3.74%    
...               3.29% 4.04% 3.88% 3.29% 3.48%    
                7.25% 7.03% 6.59% 5.77% 5.28%    
...               3.96% 2.98% 2.71% 2.48% 1.81%    
                71.6% 76.0% 74.6% 71.8% 72.5%    
                16.5% 14.2% 15.8% 18.5% 19.9%    
                11.9% 9.84% 9.57% 9.72% 7.63%    
... ...             1,504 1,305 1,337 1,206 1,284    
... ...             2,116 1,927 1,881 1,836 1,892    
...               45.2% 43.5% 41.8% 40.6% 37.6%    
                13.8% 14.3% 14.6% 14.9% 14.6%    
                103% 104% 106% 103% 100%    
                66.7% 65.2% 70.4% 72.6% 70.2%    
... ... ... ... ...       2.36% 8.22% 8.18% 10.3% 12.7%    
... ... ... ... ...       159% 78.7% 89.4% 87.3% 78.3%    
                3.89% 6.92% 7.90% 9.89% 11.0%    
                2.74% 3.52% 2.97% 3.10% 4.01%    

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

other data

... ...             197 188 185 181 166    
... ...             3,478 3,487 3,474 3,312 3,133    
... ... ... ... ...       575 605 613 613 580    
... ... ... ... ... ... ...   570 500 480 470 460    
... ... ... ... ... ... ... ... ... ... ... ... 51.6%    

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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's capital adequacy ratio reached 36.5% at the end of 2015, down from 36.7% when compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 36.7% in 2014 and an all time low of

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Raiffeisenbank Bulgaria's capital adequacy ratio reached 36.5% at the end of 2015, down from 36.7% when compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 36.7% in 2014 and an all time low of 6.62% in 2003.

The Tier 1 ratio amounted to 25.4% at the end of 2015, down from 26.1% compared to a year earlier.

Bank's loan to deposit ratio reached 74.8% at the end of 2015, down from 85.4% when compared to the previous year. Some 10 years ago, loan to deposit ratio of the bank amounted to 85.3%.

When compared to bank's main peers, DSK Bank ended the year 2015 with a capital adequacy ratio at 17.3% and loans to deposits of 66.9% and United Bulgarian Bank with 28.2% and 82.4% respectively.

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 generated total banking revenues of BGN 308 mil in 2015, down 6.73% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached

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Raiffeisenbank Bulgaria generated total banking revenues of BGN 308 mil in 2015, down 6.73% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of BGN 388 mil in 2010 and an all time low of BGN 21.3 mil in 2001. The average revenue in the last five years amounted to BGN 330 mil.

Net interest income represented 69.1% of total revenues, fee income contributed 22.8% and other non-interest income added further 8.01% to the overall revenue generation in 2015.

Bank's total revenues accounted for 4.77% total assets in 2015, down from 5.52% a year earlier.

When compared to bank's main peers, DSK Bank generated total revenues of 6.65% of assets in 2015, and United Bulgarian Bank operated with 5.68% revenue margin.

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 62.6 mil under revenues of BGN 308 mil in 2015, up 33.3% and -6.73% 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 62.6 mil under revenues of BGN 308 mil in 2015, up 33.3% and -6.73% respectively when compared to the last year.

Historically, the bank’s net profit reached an all time high of BGN 136 mil in 2008 and an all time low of BGN -45.0 mil in 2013. The average profit in the last five years amounted to BGN 23.6 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 330 mil.

When compared to bank's main peers, DSK Bank generated a net profit of BGN 321 mil with revenues of BGN 749 mil in 2015 and United Bulgarian Bank netted BGN 50.9 mil (revenues of BGN 372 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's loans reached BGN 3,834 mil in the 2015, down from BGN 3,913 mil when compared to the previous year. Historically, the bank’s loans reached an all time high of BGN 4,970 mil in 2011 and an all time low

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Raiffeisenbank Bulgaria's loans reached BGN 3,834 mil in the 2015, down from BGN 3,913 mil when compared to the previous year. Historically, the bank’s loans reached an all time high of BGN 4,970 mil in 2011 and an all time low of BGN 1,610 mil in 2006.

In the last decade, the average annual loan growth amounted to 0.000%.

At the end of 2015, Raiffeisenbank Bulgaria's loans accounted for 74.8% of total deposits and 55.0% of total assets.

Mortgage loans represented 19.3% of the bank's loan book at the end of the year 2015, consumer further 16.7% and corporate loans 62.3% of total loans.

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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