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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 0 0 0 0    
                  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% -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%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...    

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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 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 Croatia's capital adequacy ratio rose 1.44% to 20.5% 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 total revenues fell 9.12% to HRK 1,874 mil in 2017
Raiffeisen Croatia's net interest margin fell 6.42% to 2.63% in 2017
Raiffeisen Croatia's employees fell 2.08% to 2,261 in 2017
Raiffeisen Croatia's customer loans fell 4.10% to HRK 17,745 mil in 2017
Raiffeisen Croatia's customer deposits fell 1.51% to HRK 23,780 mil in 2017
Raiffeisen Croatia's retail deposits fell 0.154% to HRK 14,231 mil in 2017
Raiffeisen Croatia's corporate deposits fell 3.46% to HRK 9,549 mil in 2017
Raiffeisen Croatia's corporate loans fell 15.1% to HRK 8,269 mil in 2017
Raiffeisen Croatia's costs (as % of assets) fell 34.6% to 3.49% in 2017
Raiffeisen Croatia's net interest income fell 7.59% to HRK 913 mil in 2017
Raiffeisen Croatia's customer loan growth rose 28.3% to -4.10% in 2017