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Raiffeisenbank Croatia

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Raiffeisenbank Croatia

Raiffeisenbank Austria Zagreb (or Raiffeisenbank Croatia) is the fifth largest bank in Croatia with a 9% market share by assets. From a greenfield start-up back in 1994 as the first foreign bank in the country, the bank has grown into a significant player serving more than 475,000 clients through 76 branches. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment

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Raiffeisenbank Austria Zagreb (or Raiffeisenbank Croatia) is the fifth largest bank in Croatia with a 9% market share by assets. From a greenfield start-up back in 1994 as the first foreign bank in the country, the bank has grown into a significant player serving more than 475,000 clients through 76 branches. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank is effectively a 100% subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. The bank 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
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                  1,341 1,227 1,203 1,182 1,033    
                  2,081 2,053 2,084 2,142 1,990    
                  794 831 876 872 759    
                  302 336 309 361 -156    

balance sheet

                  1,851 2,060 1,622 1,428 955    
                  27,049 24,513 23,812 21,780 19,626    
                  4,682 5,067 4,493 6,634 7,602    
                  41,184 38,468 36,152 35,887 35,058    
                  5,820 5,529 5,529 5,117 4,394    
                  766 588 543 302 246    
                  23,245 22,840 21,672 23,527 23,640    
                  9,562 7,682 6,923 5,809 5,097    

ratios

                  5.15% 5.92% 5.59% 6.78% -3.28%    
                  0.717% 0.844% 0.828% 1.00% -0.440%    
                  3.06% 3.07% 3.24% 3.53% 3.47%    
                  61.8% 59.5% 58.0% 59.3% 61.9%    
                  16.7% 17.1% 17.7% 18.9% 19.3%    
                  3.19% 3.08% 3.22% 3.28% 2.91%    
                  64.4% 59.8% 57.7% 55.2% 51.9%    
                  19.8% 16.7% 16.8% 18.1% 23.2%    
                  33.9% 33.6% 34.1% 33.5% 34.4%    
                  14.1% 14.4% 15.3% 14.3% 12.5%    
                  116% 107% 110% 92.6% 83.0%    
                  65.7% 63.7% 65.9% 60.7% 56.0%    
... ...               12.2% 16.0% 14.7% 16.2% ...    
... ...               46.6% 46.6% 60.6% 66.5% ...    

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

income statement

Interest Income HRK mil
Interest Cost HRK mil
Net Interest Income HRK mil
Net Fee Income HRK mil
Other Income HRK mil
Total Revenues HRK mil
Staff Cost HRK mil
Depreciation HRK mil
Other Cost HRK mil
Operating Cost HRK mil
Operating Profit HRK mil
Provisions HRK mil
Extra and Other Cost HRK mil
Pre-Tax Profit HRK mil
Tax HRK mil
Minorities HRK mil
Net Profit HRK mil
                  2,379 2,146 1,856 1,732 1,452    
                  1,038 919 653 550 419    
                  1,341 1,227 1,203 1,182 1,033    
                  413 342 350 388 462    
                  327 484 531 572 495    
                  2,081 2,053 2,084 2,142 1,990    
                  436 411 412 426 424    
                  290 244 220 200 153    
                  561 567 576 644 654    
                  1,287 1,222 1,208 1,270 1,231    
                  794 831 876 872 759    
                  407 407 492 407 941    
                  0.000 0.000 0.000 0.000 0.000    
                  387 424 384 465 -182    
                  82.0 85.0 89.0 101 -32.0    
                  3.00 3.00 -14.0 3.00 6.00    
                  302 336 309 361 -156    

growth rates

...                 2.37% -8.50% -1.96% -1.75% -12.6%    
...                 -6.35% -17.2% 2.34% 10.9% 19.1%    
...                 -15.3% -1.35% 1.51% 2.78% -7.10%    
...                 -12.7% -5.05% -1.15% 5.13% -3.07%    
...                 -19.1% 4.66% 5.42% -0.457% -13.0%    
...                 -27.0% 9.56% -9.43% 21.1% -139%    
...                 -28.9% 11.3% -8.04% 16.8% -143%    

market share

                  12.9% 13.8% 14.5% 14.8% 13.7%    
                  7.98% 12.3% 65.2% 26.2% ...    
... ...               10.9% 10.9% 10.5% 11.0% 11.1%    
... ...               5.77% 5.82% 5.73% 5.86% 5.96%    

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

balance sheet

                  5,139 4,571 3,845 3,797 4,614    
                  1,851 2,060 1,622 1,428 955    
                  27,049 24,513 23,812 21,780 19,626    
                  12,193 11,614 11,477 12,073 11,741    
                  15,506 14,015 13,943 11,573 9,992    
                  4,682 5,067 4,493 6,634 7,602    
                  1,798 1,657 1,748 1,711 1,677    
                  41,184 38,468 36,152 35,887 35,058    
                  5,820 5,529 5,529 5,117 4,394    
                  77.0 80.0 62.0 65.0 68.0    
                  35,364 32,939 30,623 30,770 30,664    
                  766 588 543 302 246    
                  23,245 22,840 21,672 23,527 23,640    
                  14,285 14,594 14,019 15,053 14,846    
                  8,960 8,246 7,653 8,474 8,794    
... ... ... ... ... ... ... ... ... ... ... ... ... 11,015    
... ... ... ... ... ... ... ... ... ... ... ... ... 12,625    
                  9,562 7,682 6,923 5,809 5,097    
                  1,791 1,829 1,485 1,132 1,681    

asset quality

... ...               3,490 4,238 3,845 3,962 ...    
                  28,677 26,488 26,143 24,413 22,449    
                  1,628 1,975 2,331 2,633 2,823    

growth rates

...                 1.86% -9.38% -2.86% -8.53% -9.89%    
...                 -0.066% -4.75% -1.18% 5.19% -2.75%    
...                 6.57% -9.62% -0.514% -17.0% -13.7%    
...                 -4.24% -6.59% -6.02% -0.733% -2.31%    
...                 -1.42% -5.00% 0.000% -7.45% -14.1%    
...                 3.70% -1.74% -5.11% 8.56% 0.480%    
...                 6.15% 2.16% -3.94% 7.38% -1.38%    
...                 0.022% -7.97% -7.19% 10.7% 3.78%    

market share

                  10.7% 10.4% 10.2% 9.49% 8.82%    
                  13.9% 14.5% 14.6% 12.6% 11.4%    
                  9.52% 9.20% 9.29% 9.87% 9.75%    
                  9.88% 9.37% 8.71% 8.56% 8.42%    
                  10.5% 10.1% 9.17% 9.63% 9.20%    
                  8.38% 8.20% 7.82% 8.22% 7.91%    
... ...               18.6% 18.3% 18.1% 19.4% 16.6%    

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

ratios

                  5.15% 5.92% 5.59% 6.78% -3.28%    
                  0.717% 0.844% 0.828% 1.00% -0.440%    
                  3.06% 3.07% 3.24% 3.53% 3.47%    
                  61.8% 59.5% 58.0% 59.3% 61.9%    
                  16.7% 17.1% 17.7% 18.9% 19.3%    
... ... ... ... ... ... ... ... ... ... 17.1% 17.7% 17.1% 15.9%    
                  3.19% 3.08% 3.22% 3.28% 2.91%    
...                 2.79% 2.70% 2.92% 3.02% 2.73%    
                  5.65% 5.39% 4.97% 4.81% 4.09%    
...                 2.86% 2.69% 2.05% 1.79% 1.36%    
                  64.4% 59.8% 57.7% 55.2% 51.9%    
                  19.8% 16.7% 16.8% 18.1% 23.2%    
                  15.7% 23.6% 25.5% 26.7% 24.9%    
... ...               2,838 2,487 2,645 2,570 2,287    
... ...               15,183 14,550 15,098 15,243 15,237    
                  33.9% 33.6% 34.1% 33.5% 34.4%    
                  14.1% 14.4% 15.3% 14.3% 12.5%    
                  116% 107% 110% 92.6% 83.0%    
                  65.7% 63.7% 65.9% 60.7% 56.0%    
... ...               12.2% 16.0% 14.7% 16.2% ...    
... ...               46.6% 46.6% 60.6% 66.5% ...    
                  6.02% 8.06% 9.79% 12.1% 14.4%    
                  1.52% 1.58% 2.04% 1.79% 4.55%    

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

other data

... ...               73.0 73.0 70.0 70.0 70.0    
... ...               2,393 2,354 2,274 2,329 2,319    
... ... ... ... ... ... ... ... ... ... 0.479 0.476 ... ... ... ...
... ... ... ... ... ... ... ... ... ... ... ... ... 46.6%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...    

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 27 Banks in Croatia

This Annual Statistical Dossier offers a comparison of 27 Croatian banks from 1997 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 27 Croatian banks from 1997 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 Croatia in Numbers

This Annual statistical dossier offers a summary of Raiffeisenbank Croatia's performance between 2002 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 Croatia's performance between 2002 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 Croatia'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 Croatia at a Glance

Raiffeisenbank Austria Zagreb (or Raiffeisenbank Croatia) is the fifth largest bank in Croatia with a 9% market share by assets. From a greenfield start-up back in 1994 as the first foreign bank in the country, the bank has grown into a significant player serving more than 475,000 clients through 76 branches. The Bank offers a typical range of banking services and

Read more »

Raiffeisenbank Austria Zagreb (or Raiffeisenbank Croatia) is the fifth largest bank in Croatia with a 9% market share by assets. From a greenfield start-up back in 1994 as the first foreign bank in the country, the bank has grown into a significant player serving more than 475,000 clients through 76 branches. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank is effectively a 100% subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. The bank 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 2002-2013. 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 Croatia

Raiffeisenbank Croatia in Numbers

Raiffeisenbank Austria Zagreb (or Raiffeisenbank Croatia) is the fifth largest bank in Croatia with a 9% market share by assets. From a greenfield start-up back in 1994 as the first foreign bank in the country, the bank has grown into a significant player serving more than 475,000 clients through 76 branches. The Bank offers a typical range of banking services and

Read more »

Raiffeisenbank Austria Zagreb (or Raiffeisenbank Croatia) is the fifth largest bank in Croatia with a 9% market share by assets. From a greenfield start-up back in 1994 as the first foreign bank in the country, the bank has grown into a significant player serving more than 475,000 clients through 76 branches. The Bank offers a typical range of banking services and products for retail as well as corporate segment, but provides also investment banking and treasury services, asset management, private banking, or leasing, for example. The Bank is effectively a 100% subsidiary of Raiffeisen Bank International AG (RBI), which is one of the biggest players in the emerging Europe. The bank 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 2002-2013. 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 Croatia

Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to

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Based on a comparison of 15 banks in Croatia in 2016, Zagrebacka Banka was the largest lender, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka loans reached 80,746, down 4.26% compared to the previous year. Historically, the bank’s loans reached an all time high of 84,340 in 2015 and an all time low of 14,598 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb customer loans amounted to 65,177, Erste & Steiermarkische Bank operated with 43,656 loans and Raiffeisenbank Croatia had a loan portfolio of 18,504.

Croatian banking sector provided total customer loans of CZK 215 bil in 2016, down 3.47% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 37.6% of the sector’s loans in 2016. The top 3 companies held a 88.3% share while the five largest firms some 104% in 2016.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0 of total loans at the end of 2017,

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Based on a comparison of 15 banks in Croatia in 2017, Jadranska Banka had the highest share of bad loans, followed by Imex Banka and Podravska Banka.

Jadranska Banka's non-performing loans reached 40.0 of total loans at the end of 2017, up from 33.0 when compared to the previous year. Historically, the NPL ratio hit an all time high of 56.9 in 2015 and an all time low of 2.45 in 2009.

Provision coverage amounted to 25.3 at the end of 2017, up from 18.7 compared to a year earlier.

Comparing Jadranska Banka with its closest peers, Imex Banka operated at the end of 2017 with NPL ratio of 25.3 and provision coverage of 62.9, Podravska Banka with 23.5 and 54.9 and Croatia Banka had 23.1 of bad loans covered with 79.6 by provisions at the end of 2017.

Non-performing loans of the whole Croatia’s banking sector amounted to 11.2 of total loans in 2017, down from 13.6 when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka had the most employees, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka employed 5,424 persons in 2017, down 1.38% when compared to the previous year. Historically, the bank's workforce hit an all time high of 6,686 persons in 2010 and an all time low of 5,424 in 2017.

Average cost reached HRK 17,315 per month per month per employee, 3.23% more than a year ago. This figure was HRK 13,990 per month some 10 years ago.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb had 4,922 employees with average cost of HRK 18,658 per month per person, Erste & Steiermarkische Bank operated with 3,170 people (and HRK 17,561 per month per employee) and Raiffeisenbank Croatia had 2,261 employees in 2017 with cost HRK 2,261 per month per head.

Croatian banking sector employed 20,434 people in 2017. The average staff cost per employee reached HRK 15,871 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Croatian banks in the report section.

Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka was the largest bank by assets, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka assets reached 126,893, down 1.12% when

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Based on a comparison of 15 banks in Croatia in 2017, Zagrebacka Banka was the largest bank by assets, followed by Privredna Banka Zagreb and Erste & Steiermarkische Bank.

Zagrebacka Banka assets reached 126,893, down 1.12% when compared to the last year. Historically, the bank’s assets reached an all time high of 128,328 in 2016 and an all time low of 37,196 in 2000.

Comparing Zagrebacka Banka with its closest peers, Privredna Banka Zagreb assets amounted to 102,912, Erste & Steiermarkische Bank operated with 65,925 assets and Raiffeisenbank Croatia had total assets of 34,178.

Total assets of the Croatian banking sector amounted to HRK 401 bil in 2017, up 0.706% when compared to the last year. As a result, the top ranked company - Zagrebacka Banka accounted for 31.6% of the sector’s assets in 2017. The top 3 companies held a 73.7% share while the five largest firms some 88.9% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Croatian banks in the report section.

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Raiffeisen Croatia's capital adequacy ratio rose 1.44% to 20.5% in 2017
Raiffeisen Croatia's net profit fell 64.9% to HRK 188 mil in 2017
Raiffeisen Croatia's npls (as % of loans) fell 33.9% to 13.1% in 2017
Raiffeisen Croatia's net profit fell 64.9% to HRK 188 mil in 2017
Raiffeisen Croatia's customer deposits fell 1.51% to HRK 23,780 mil in 2017
Raiffeisen Croatia's customer loans fell 4.10% to HRK 17,745 mil in 2017
Raiffeisen Croatia's total revenues fell 9.12% to HRK 1,874 mil in 2017
Raiffeisen Croatia's employees fell 2.08% to 2,261 in 2017
Raiffeisen Croatia's net interest margin fell 6.42% to 2.63% in 2017
Raiffeisen Croatia's retail deposits fell 0.154% to HRK 14,231 mil in 2017