By Helgi Analytics - November 17, 2022
Raiffeisenbank Czech Republic made a net profit of CZK 2,457 mil in the third quarter of 2022, up 104% when compared to the same ...
By Helgi Analytics - November 17, 2022
Raiffeisenbank Czech Republic made a net profit of CZK 2,457 mil under revenues of CZK 4,687 mil in the third quarter of 2022, up 104...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's mortgage loans reached CZK 124,000 mil in 2022-06-30, up 2.48% compared to the previous year. C...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | 7,849 | 10,156 | 15,758 |
| Net Fee Income | CZK mil | 3,114 | 3,961 | 4,994 |
| Other Income | CZK mil | -1,873 | -233 | -571 |
| Total Revenues | CZK mil | 9,090 | 13,884 | 20,181 |
| Staff Cost | CZK mil | 3,399 | 4,131 | 4,339 |
| Operating Profit | CZK mil | 2,209 | 5,344 | 10,103 |
| Provisions | CZK mil | 88.0 | 0 | 11.0 |
| Net Profit | CZK mil | 2,224 | 4,770 | 8,804 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 107,619 | 197,963 | 160,048 |
| Customer Loans | CZK mil | 249,083 | 371,751 | 412,736 |
| Investments | CZK mil | 43,237 | 41,150 | 51,617 |
| Total Assets | CZK mil | 482,000 | 651,008 | 666,382 |
| Shareholders' Equity | CZK mil | 36,814 | 45,925 | 54,145 |
| Interbank Borrowing | CZK mil | 12,201 | 13,107 | 10,669 |
| Customer Deposits | CZK mil | 402,776 | 553,090 | 550,061 |
| Issued Debt Securities | CZK mil | 17,614 | 25,510 | 29,715 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 6.40 | 11.5 | 17.6 |
| ROA | % | 0.522 | 0.842 | 1.34 |
| Costs (As % Of Assets) | % | 1.61 | 1.51 | 1.53 |
| Costs (As % Of Income) | % | 75.7 | 61.5 | 49.9 |
| Capital Adequacy Ratio | % | 22.8 | 26.1 | 21.0 |
| Net Interest Margin | % | 1.84 | 1.79 | 2.39 |
| Loans (As % Of Deposits) | % | 61.8 | 67.2 | 75.0 |
| NPLs (As % Of Loans) | % | 2.30 | 1.80 | 1.39 |
| Provisions (As % Of NPLs) | % | 84.6 | 81.0 | 90.1 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | -23.4 | 52.7 | 45.4 |
| Operating Cost Growth | % | -4.54 | 24.1 | 18.0 |
| Operating Profit Growth | % | -52.7 | 142 | 89.1 |
| Net Profit Growth | % | -53.0 | 114 | 84.6 |
| Customer Loan Growth | % | 0.989 | 49.2 | 11.0 |
| Total Asset Growth | % | 30.0 | 35.1 | 2.36 |
| Customer Deposit Growth | % | 38.6 | 37.3 | -0.548 |
| Shareholders' Equity Growth | % | 12.6 | 24.7 | 17.9 |
| Employees | 2,699 | 3,801 | 3,358 | |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||
| Net Interest Income | CZK mil | 6,286 | 6,564 | 7,665 | 9,047 | 7,849 | ||||||||||||||
| Total Revenues | CZK mil | 10,283 | 11,338 | 11,872 | 11,874 | 9,090 | ||||||||||||||
| Operating Profit | CZK mil | 4,170 | 4,860 | 5,551 | 4,666 | 2,209 | ||||||||||||||
| Net Profit | CZK mil | 2,604 | 3,084 | 3,815 | 4,731 | 2,224 | ||||||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | CZK mil | 5,664 | 103,588 | 99,528 | 87,242 | 107,619 | ||||||||||||||
| Customer Loans | CZK mil | 207,686 | 218,987 | 236,604 | 246,644 | 249,083 | ||||||||||||||
| Investments | CZK mil | 7,806 | 1,067 | 10,785 | 4,777 | 43,237 | ||||||||||||||
| Total Assets | CZK mil | 318,278 | 342,699 | 366,158 | 370,715 | 482,000 | ||||||||||||||
| Shareholders' Equity | CZK mil | 25,083 | 27,905 | 29,900 | 32,703 | 36,814 | ||||||||||||||
| Interbank Borrowing | CZK mil | 29,489 | 31,372 | 34,402 | 21,961 | 12,201 | ||||||||||||||
| Customer Deposits | CZK mil | 227,463 | 251,732 | 270,921 | 290,691 | 402,776 | ||||||||||||||
| Issued Debt Securities | CZK mil | 27,586 | 22,186 | 22,177 | 16,001 | 17,614 | ||||||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | ... | 10.3 | 11.6 | 13.2 | 15.1 | 6.40 | |||||||||||||
| ROA | % | ... | 0.923 | 0.933 | 1.08 | 1.28 | 0.522 | |||||||||||||
| Costs (As % Of Assets) | % | ... | 2.17 | 1.96 | 1.78 | 1.96 | 1.61 | |||||||||||||
| Costs (As % Of Income) | % | 59.4 | 57.1 | 53.2 | 60.7 | 75.7 | ||||||||||||||
| Capital Adequacy Ratio | % | 17.5 | 17.7 | 16.9 | 18.7 | 22.8 | ||||||||||||||
| Net Interest Margin | % | ... | 2.23 | 1.99 | 2.16 | 2.46 | 1.84 | |||||||||||||
| Interest Income (As % Of Revenues) | % | 61.1 | 57.9 | 64.6 | 76.2 | 86.3 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 16.5 | 17.7 | 16.7 | 28.0 | 34.3 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 51.8 | 50.9 | 51.4 | 49.5 | 49.4 | ||||||||||||||
| Equity (As % Of Assets) | % | 7.88 | 8.14 | 8.17 | 8.82 | 7.64 | ||||||||||||||
| Loans (As % Of Deposits) | % | 91.3 | 87.0 | 87.3 | 84.8 | 61.8 | ||||||||||||||
| Loans (As % Assets) | % | 65.3 | 63.9 | 64.6 | 66.5 | 51.7 | ||||||||||||||
| NPLs (As % Of Loans) | % | 3.60 | 2.46 | 1.91 | 1.97 | 2.30 | ||||||||||||||
| Provisions (As % Of NPLs) | % | 79.4 | 91.7 | 96.9 | 75.9 | 84.6 | ||||||||||||||
| valuation | ||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | ||||||||||||||||||||
| Interest Income | CZK mil | 7,516 | 9,417 | 12,121 | 16,083 | 10,396 | ||||||||||||||
| Interest Cost | CZK mil | 1,230 | 2,853 | 4,456 | 7,036 | 2,547 | ||||||||||||||
| Net Interest Income | CZK mil | 6,286 | 6,564 | 7,665 | 9,047 | 7,849 | ||||||||||||||
| Net Fee Income | CZK mil | 1,695 | 2,004 | 1,980 | 3,321 | 3,114 | ||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,313 | 4,042 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 992 | 928 | ||
| Other Income | CZK mil | 2,302 | 2,770 | 2,226 | -494 | -1,873 | ||||||||||||||
| Insurance Premium Earned | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Revenues | CZK mil | 10,283 | 11,338 | 11,872 | 11,874 | 9,090 | ||||||||||||||
| Staff Cost | CZK mil | 3,166 | 3,299 | 3,252 | 3,569 | 3,399 | ||||||||||||||
| Depreciation | CZK mil | 611 | 760 | 842 | 1,505 | 1,423 | ||||||||||||||
| Other Cost | CZK mil | 2,336 | 2,418 | 2,227 | 2,134 | 2,059 | ||||||||||||||
| Operating Cost | CZK mil | 6,113 | 6,478 | 6,321 | 7,208 | 6,881 | ||||||||||||||
| Operating Profit | CZK mil | 4,170 | 4,860 | 5,551 | 4,666 | 2,209 | ||||||||||||||
| Provisions | CZK mil | 883 | 399 | 880 | 333 | 88.0 | ||||||||||||||
| Extra and Other Cost | CZK mil | 0 | -7.56 | -13.6 | -1,263 | -628 | ||||||||||||||
| Pre-Tax Profit | CZK mil | 3,287 | 4,469 | 4,684 | 5,596 | 2,749 | ||||||||||||||
| Tax | CZK mil | 682 | 1,211 | 869 | 865 | 525 | ||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Net Profit | CZK mil | 2,604 | 3,084 | 3,815 | 4,731 | 2,224 | ||||||||||||||
| Net Profit Avail. to Common | CZK mil | 2,604 | 3,084 | 3,815 | 4,731 | 2,224 | ||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | 2.98 | 4.42 | 16.8 | 18.0 | -13.2 | |||||||||||||
| Net Fee Income Growth | % | ... | -7.64 | 18.2 | -1.19 | 67.7 | -6.23 | |||||||||||||
| Total Revenue Growth | % | ... | 10.6 | 10.3 | 4.71 | 0.020 | -23.4 | |||||||||||||
| Operating Cost Growth | % | ... | 21.7 | 5.97 | -2.42 | 14.0 | -4.54 | |||||||||||||
| Operating Profit Growth | % | ... | -2.34 | 16.6 | 14.2 | -15.9 | -52.7 | |||||||||||||
| Pre-Tax Profit Growth | % | ... | 4.18 | 36.0 | 4.81 | 19.5 | -50.9 | |||||||||||||
| Net Profit Growth | % | ... | -3.17 | 18.4 | 23.7 | 24.0 | -53.0 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | 5.71 | 6.33 | 6.24 | 5.87 | 5.04 | ... | |||||||||||||
| Market Share in Net Profit | % | 3.52 | 4.09 | 4.68 | 5.19 | 4.68 | ... | |||||||||||||
| Market Share in Employees | % | 7.39 | 6.92 | 7.10 | 7.13 | 6.63 | ... | |||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Branches | % | 6.65 | 6.38 | 6.55 | 6.74 | 7.08 | ... | ... |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | ||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 92,080 | 10,363 | 12,106 | 14,135 | 5,852 | ||||||||||||||
| Interbank Loans | CZK mil | 5,664 | 103,588 | 99,528 | 87,242 | 107,619 | ||||||||||||||
| Customer Loans | CZK mil | 207,686 | 218,987 | 236,604 | 246,644 | 249,083 | ||||||||||||||
| Retail Loans | CZK mil | 98,006 | 107,641 | 114,994 | 119,308 | 120,871 | ||||||||||||||
| Mortgage Loans | CZK mil | 80,048 | 86,789 | 93,528 | 95,242 | 96,094 | ||||||||||||||
| Consumer Loans | CZK mil | 17,958 | 20,852 | 21,465 | 24,066 | 24,777 | ||||||||||||||
| Corporate Loans | CZK mil | 114,697 | 108,194 | 115,847 | 133,454 | 131,928 | ||||||||||||||
| Investments | CZK mil | 7,806 | 1,067 | 10,785 | 4,777 | 43,237 | ||||||||||||||
| Property and Equipment | CZK mil | 2,173 | 4,270 | 4,779 | 6,936 | 4,098 | ||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7,937 | 3,247 | ||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Assets | CZK mil | 318,278 | 342,699 | 366,158 | 370,715 | 482,000 | ||||||||||||||
| Shareholders' Equity | CZK mil | 25,083 | 27,905 | 29,900 | 32,703 | 36,814 | ||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Liabilities | CZK mil | 293,195 | 314,794 | 336,258 | 338,012 | 445,186 | ||||||||||||||
| Interbank Borrowing | CZK mil | 29,489 | 31,372 | 34,402 | 21,961 | 12,201 | ||||||||||||||
| Customer Deposits | CZK mil | 227,463 | 251,732 | 270,921 | 290,691 | 402,776 | ||||||||||||||
| Retail Deposits | CZK mil | 114,697 | 140,422 | 154,539 | 166,958 | 260,993 | ||||||||||||||
| Corporate Deposits | CZK mil | 110,607 | 96,895 | 99,549 | 101,748 | 125,617 | ||||||||||||||
| Sight Deposits | CZK mil | 200,333 | 227,863 | 242,944 | 257,938 | 336,583 | ||||||||||||||
| Term Deposits | CZK mil | 27,130 | 23,869 | 27,977 | 32,753 | 66,193 | ||||||||||||||
| Issued Debt Securities | CZK mil | 27,586 | 22,186 | 22,177 | 16,001 | 17,614 | ||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,309 | 4,561 | ||
| Other Liabilities | CZK mil | 8,657 | 9,504 | 8,760 | 9,359 | 12,595 | ||||||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | CZK mil | 7,694 | 5,510 | 4,594 | 4,942 | 7,008 | ||||||||||||||
| Gross Loans | CZK mil | 213,795 | 224,039 | 241,056 | 250,396 | 304,681 | ||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 108,319 | 111,400 | 159,225 | 164,567 | 161,404 | ||||
| Total Provisions | CZK mil | 6,109 | 5,052 | 4,451 | 3,752 | 5,931 | ||||||||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | 13.6 | 5.44 | 8.04 | 4.24 | 0.989 | |||||||||||||
| Retail Loan Growth | % | ... | 17.0 | 9.83 | 6.83 | 3.75 | 1.31 | |||||||||||||
| Mortgage Loan Growth | % | ... | 12.4 | 8.42 | 7.77 | 1.83 | 0.894 | |||||||||||||
| Consumer Loan Growth | % | ... | 43.4 | 16.1 | 2.94 | 12.1 | 2.96 | |||||||||||||
| Corporate Loan Growth | % | ... | 16.3 | -5.67 | 7.07 | 15.2 | -1.14 | |||||||||||||
| Total Asset Growth | % | ... | 29.2 | 7.67 | 6.85 | 1.24 | 30.0 | |||||||||||||
| Shareholders' Equity Growth | % | ... | -1.14 | 11.3 | 7.15 | 9.37 | 12.6 | |||||||||||||
| Customer Deposit Growth | % | ... | 23.8 | 10.7 | 7.62 | 7.30 | 38.6 | |||||||||||||
| Retail Deposit Growth | % | ... | 32.9 | 22.4 | 10.1 | 8.04 | 56.3 | |||||||||||||
| Corporate Deposit Growth | % | ... | 51.2 | -12.4 | 2.74 | 2.21 | 23.5 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | 7.04 | 7.10 | 7.16 | 7.15 | 6.93 | ... | |||||||||||||
| Market Share in Corporate Loans | % | 11.8 | 10.6 | 10.7 | 11.9 | 11.7 | ... | |||||||||||||
| Market Share in Retail Loans | % | 4.90 | 5.46 | 5.37 | 5.79 | 5.86 | ... | |||||||||||||
| Market Share in Consumer Loans | % | 6.90 | 7.04 | 6.99 | 6.84 | 6.50 | ... | |||||||||||||
| Market Share in Mortgage Loans | % | 7.60 | 7.56 | 7.51 | 7.16 | 6.69 | ... | |||||||||||||
| Market Share in Total Assets | % | 5.29 | 4.85 | 4.99 | 4.91 | 6.05 | ... | |||||||||||||
| Market Share in Customer Deposits | % | 6.04 | 6.04 | 6.09 | 6.13 | 7.80 | ... | |||||||||||||
| Market Share in Retail Deposits | % | 5.19 | 5.92 | 6.04 | 6.13 | 8.54 | ... | |||||||||||||
| Market Share in Corporate Deposits | % | 12.1 | 9.72 | 9.56 | 9.29 | 10.3 | ... |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | 10.3 | 11.6 | 13.2 | 15.1 | 6.40 | |||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.63 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.3 | 18.7 | 18.8 | 19.5 | 9.10 | |||
| ROA | % | ... | 0.923 | 0.933 | 1.08 | 1.28 | 0.522 | |||||||||||||
| Return on Loans | % | ... | 1.33 | 1.45 | 1.67 | 1.96 | 0.897 | |||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.44 | 4.42 | 4.10 | 2.88 | 1.36 | |||
| Costs (As % Of Assets) | % | ... | 2.17 | 1.96 | 1.78 | 1.96 | 1.61 | |||||||||||||
| Costs (As % Of Income) | % | 59.4 | 57.1 | 53.2 | 60.7 | 75.7 | ||||||||||||||
| Costs (As % Of Loans) | % | ... | 3.13 | 3.04 | 2.77 | 2.98 | 2.78 | |||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.52 | 1.43 | 1.29 | 1.38 | 1.16 | |||||||||||||
| Capital Adequacy Ratio | % | 17.5 | 17.7 | 16.9 | 18.7 | 22.8 | ||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 15.4 | 16.1 | 14.9 | 16.5 | 19.6 | ||||||||
| Net Interest Margin | % | ... | 2.23 | 1.99 | 2.16 | 2.46 | 1.84 | |||||||||||||
| Interest Spread | % | ... | 2.18 | 1.91 | 2.05 | 2.28 | 1.79 | |||||||||||||
| Asset Yield | % | ... | 2.66 | 2.85 | 3.42 | 4.37 | 2.44 | |||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.47 | 10.3 | 8.77 | 7.33 | 5.58 | |||
| Cost Of Liabilities | % | ... | 0.478 | 0.939 | 1.37 | 2.09 | 0.650 | |||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Interest Income (As % Of Revenues) | % | 61.1 | 57.9 | 64.6 | 76.2 | 86.3 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 16.5 | 17.7 | 16.7 | 28.0 | 34.3 | ||||||||||||||
| Other Income (As % Of Revenues) | % | 22.4 | 24.4 | 18.8 | -4.16 | -20.6 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 51.8 | 50.9 | 51.4 | 49.5 | 49.4 | ||||||||||||||
| Equity (As % Of Assets) | % | 7.88 | 8.14 | 8.17 | 8.82 | 7.64 | ||||||||||||||
| Equity (As % Of Loans) | % | 12.1 | 12.7 | 12.6 | 13.3 | 14.8 | ||||||||||||||
| Loans (As % Of Deposits) | % | 91.3 | 87.0 | 87.3 | 84.8 | 61.8 | ||||||||||||||
| Loans (As % Assets) | % | 65.3 | 63.9 | 64.6 | 66.5 | 51.7 | ||||||||||||||
| NPLs (As % Of Loans) | % | 3.60 | 2.46 | 1.91 | 1.97 | 2.30 | ||||||||||||||
| Provisions (As % Of NPLs) | % | 79.4 | 91.7 | 96.9 | 75.9 | 84.6 | ||||||||||||||
| Provisions (As % Of Loans) | % | 2.94 | 2.31 | 1.88 | 1.52 | 2.38 | ||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.452 | 0.187 | 0.386 | 0.138 | 0.036 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | 136 | 124 | 128 | 128 | 119 | |||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.0 | 53.0 | 88.0 | 106 | ... | ... | ... | ||
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 42.7 | 68.8 | 82.8 | ... | ... | ... | |
| Employees | 3,030 | 2,900 | 2,972 | 2,966 | 2,699 | |||||||||||||||
| Employees Per Bank Branch | 22.3 | 23.4 | 23.2 | 23.2 | 22.7 | |||||||||||||||
| Cost Per Employee | USD per month | 3,451 | 4,040 | 4,168 | 4,449 | 4,769 | ||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 87,075 | 94,794 | 91,186 | 100,289 | 104,946 | ||||||||||||||
| Employee Turnover | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Fee Income (As % of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.600 | 0.650 | 0.700 | 0.800 | ||
| Number of Accounts | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Payment Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.059 | 0.062 | 0.064 | 0.066 | 0.067 | ... | ... | |||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Average Size of Deposit | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,352,000 | 1,393,000 | 1,451,000 | 1,444,000 | 1,444,000 | ... | ... | |||
| Average Size of Consumer Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Accounts (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.4 | 9.92 | 9.42 | 8.32 | ... | ... |
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Payments Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,897 | 18,264 | 16,963 | 11,363 | ||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,139 | 5,869 | 6,759 | 2,780 | ||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 364,979 | 364,007 | 352,349 | 311,354 | ||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 419,553 | 416,801 | 415,273 | 503,470 | ||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 805 | 835 | 752 | 516 | ||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 219 | 268 | 300 | 126 | ||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17,142 | 16,203 | 15,576 | 14,558 | ||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19,706 | 18,553 | 18,358 | 23,541 |
Get all company financials in excel:
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic generated total banking revenues of CZK 4,441 mil in 2022-06-30, up 2.27% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% when compar...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's customer deposits reached CZK 484,403 mil in 2022-06-30, up 7.96% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,340 bil in 2022-06-30, up 2.73% when compared to the last year. Raiff...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's customer loans reached CZK 342,326 mil in 2022-06-30, up 2.96% compared to the previous year. Czech banking sector provided customer loans of CZK 3,958 bil in 2022-06-30, up 0.834% when compared to the last year. Raiffeisen...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's consumer loans reached CZK 47,566 mil in 2022-06-30, up 2.16% compared to the previous year. Czech banking sector provided consumer loans of CZK 462 bil in 2022-06-30, up 0.846% when compared to the last year. Raiffeisenban...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic employed 3,384 persons in 2022-09-30, up 1.13% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,384 persons in 2022-09-30 and an all time low of 2,302 in 2007-12-31. Average cost reached...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's retail deposits reached CZK 311,894 mil in 2022-06-30, up 9.13% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,323 bil in 2022-06-30, up 1.28% when compared to the last year. Raiffeise...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's retail loans reached CZK 171,566 mil in the second quarter of 2022, up 2.39% compared to the previous year. Czech banking sector provided retail loans of CZK 2,100 bil in 2Q2022, up 0.711% when compared to the last year. Ra...
By Helgi Analytics - November 17, 2022
Raiffeisenbank Czech Republic's non-performing loans reached 1.80% of total loans at the end of 2022-09-30, down from 2.72% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.29% in 2010-09-30 and an all time low of 1.48% in 2019...
By Helgi Analytics - November 17, 2022
Raiffeisenbank Czech Republic generated total banking revenues of CZK 4,687 mil in the third quarter of 2022, up 49.7% when compared to the same period of last year and 5.53% when compared to the previous quarter. Historically, the bank’s revenues containing ...
By Helgi Analytics - November 18, 2022
Raiffeisenbank Czech Republic's loans reached CZK 351,089 mil in the third quarter of 2022, up from CZK 342,326 mil when compared to the previous quarter and up from CZK 258,100 mil when compared to the same period of last year. Historically, the bank...
Raiffeisenbank Czech Republic is the medium-sized bank with a 5-8% market share in the key retail product . From a greenfield start-up back in 1993, the bank acquired a purely Internet bank, e-banka, in 2006. Originally a corporate-oriented bank, Raiffeisen has been focusing increasingly on the retail area. In 2019, the Bank operated a network of more than 130 branches and employed more than 3,000 people in the Czech Republic.
Raiffeisenbank Czech Republic has been growing its revenues and asset by 3.18% and 12.3% a year on average in the last 10 years. Its loans and deposits have grown by 9.38% and 14.4% a year during that time and loans to deposits ratio reached 67.2% at the end of 2021. The company achieved an average return on equity of 10.5% in the last decade with net profit growing 7.95% a year on average. In terms of operating efficiency, its cost to income ratio reached 61.5% in 2021, compared to 61.5% average in the last decade.
Equity represented 7.05% of total assets or 12.4% of loans at the end of 2021. Raiffeisenbank Czech Republic's non-performing loans were 1.80% of total loans while provisions covered some 81.0% of NPLs at the end of 2021.
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