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Raiffeisenbank Czech Republic

Raiffeisenbank Czech Republic - Market Share in Bank Deposits

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic's customer deposits reached CZK 535,195 mil in 2023-06-30, up 5.04% compared to the previous year. ...

Raiffeisen CR's total revenues fell 1.08% yoy to CZK 4,393 mil in 2Q2023

By Helgi Library - September 29, 2023

Raiffeisenbank Czech Republic generated total banking revenues of CZK 4,393 mil in 2023-06-30, up 6.18% compared to the previous...

Raiffeisenbank Czech Republic - Market Share in Bank Loans

By Helgi Library - September 29, 2023

Raiffeisenbank Czech Republic's customer loans reached CZK 355,741 mil in 2023-06-30, up 0.657% compared to the previous year. ...

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

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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                                      
Book Value Per Share Growth % ...                       2.98 4.42 16.8 18.0 -13.2    
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    
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    
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 4.69    
Market Share in Employees %                         7.39 6.92 7.10 7.13 6.63    
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    
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 %                         6.91 7.05 7.00 6.84 6.50    
Market Share in Consumer Loans %                         4.90 5.46 5.37 5.79 5.86    
Market Share in Mortgage Loans %                         7.60 7.56 7.51 7.16 6.69    
Market Share in Total Assets %                         5.34 4.89 5.03 4.90 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    
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    
customer breakdown Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                       
Customers mil                         0.614 1.14 1.14 1.21 1.25    
Number of Mortgages mil ... ... ... ... ... ... ... ... ...       0.059 0.062 0.064 0.066 0.067 ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ...       1,352,000 1,393,000 1,451,000 1,444,000 1,444,000 ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ...       9.64 5.46 5.63 5.45 5.31 ... ...
Revenue per Customer (Local Currency) CZK                         16,750 9,939 10,369 9,817 7,252    
Net Profit per Customer (Local Currency) CZK                         4,242 2,703 3,332 3,912 1,774    
Loan per Customer (Local Currency) CZK                         338,306 191,973 206,666 203,917 198,732    
Deposit per Customer (Local Currency) CZK                         370,520 220,678 236,640 240,334 321,357    
Revenue per Customer USD                         664 424 474 435 330    
Net Profit per Customer USD                         168 115 152 174 80.6    
Loan per Customer USD                         13,195 9,017 9,199 9,015 9,292    
Deposit per Customer USD                         14,451 10,365 10,533 10,624 15,026    

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Raiffeisen CR's net profit fell 35.2% yoy to CZK 1,592 mil in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic made a net profit of CZK 1,592 mil in the third quarter of 2023, down 35.2% when compared to the same period of last year. This implies a return on equity of 11.7%. Historically, the bank’s net profit reached an all time high of CZK ...

Raiffeisen CR's net profit fell 35.2% yoy to CZK 1,592 mil in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic made a net profit of CZK 1,592 mil under revenues of CZK 4,252 mil in the third quarter of 2023, down 35.2% and 9.28% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time hi...

Raiffeisen CR's capital adequacy ratio rose 32.5% yoy to 25.5% in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic's capital adequacy ratio reached 25.5% at the end of third quarter of 2023, up from 25.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.3% in 2Q2021 and an all time low of 13.3...

Raiffeisen CR's npls (as % of loans) fell 18.8% yoy to 1.46% in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic's non-performing loans reached 1.46% of total loans at the end of 2023-09-30, down from 1.80% 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 1.45% in 2023...

Raiffeisen CR's mortgage loans rose 2.51% yoy to CZK 129,158 mil in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic's mortgage loans reached CZK 129,158 mil in 3Q2023, up 0.175% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,729 in 3Q2023, up 0.688% when compared to the last year. Raiffeisenbank Czech ...

Raiffeisenbank Czech Republic - Market Share in Retail Deposits

By Helgi Library - September 29, 2023

Raiffeisenbank Czech Republic's retail deposits reached CZK 328,247 mil in 2023-06-30, up 1.41% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. Raiffeise...

Raiffeisenbank Czech Republic - Market Share in Retail Loans

By Helgi Library - September 29, 2023

Raiffeisenbank Czech Republic's retail loans reached CZK 178,432 mil in the second quarter of 2023, up 1.15% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Rai...

Raiffeisen CR's employees fell 4.76% yoy to 3,223 in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic employed 3,223 persons in 2023-09-30, down 0.093% 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 reac...

Raiffeisen CR's corporate loans rose 3.58% yoy to CZK 132,024 mil in 3Q2023

By Helgi Library - November 14, 2023

Raiffeisenbank Czech Republic's loans reached CZK 360,783 mil in the third quarter of 2023, up from CZK 355,308 mil when compared to the previous quarter and up from CZK 351,089 mil when compared to the same period of last year. Historically, the bank...

Raiffeisenbank Czech Republic - Market Share in Consumer Loans

By Helgi Library - September 29, 2023

Raiffeisenbank Czech Republic's consumer loans reached CZK 49,500 mil in 2023-06-30, up 2.06% compared to the previous year. Czech banking sector provided consumer loans of CZK 486 bil in 2023-06-30, up 2.85% when compared to the last year. Raiffeisenbank...

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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 Logo

Finance

Raiffeisenbank Czech Republic has been growing its revenues and asset by 7.35% and 12.9% a year on average in the last 10 years. Its loans and deposits have grown by 11.1% and 14.4% a year during that time and loans to deposits ratio reached 75.0% at the end of 2022. The company achieved an average return on equity of 11.1% in the last decade with net profit growing 15.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.9% in 2022, compared to 60.8% average in the last decade.

Equity represented 8.13% of total assets or 13.1% of loans at the end of 2022. Raiffeisenbank Czech Republic's non-performing loans were 1.39% of total loans while provisions covered some 90.1% of NPLs at the end of 2022.