Raiffeisenlandesbank Burgenland

RLB Burgenland's net profit rose 44.6% to EUR 24.3 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland made a net profit of EUR 24.3 mil in 2017, up 44.6% compared to the previous year. This implies ...

RLB Burgenland's customer loans rose 6.98% to EUR 1,324 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland's customer loans reached EUR 1,324 mil in 2017, up 6.98% compared to the previous year. Austria...

RLB Burgenland's customer deposits rose 8.67% to EUR 1,013 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland's customer deposits reached EUR 1,013 mil in 2017, up 8.67% compared to the previous year. Aust...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 26.3 28.0 25.1
Fee Income (As % Of Revenues) % 27.2 24.3 25.0
Other Income EUR mil 6.53 9.81 10.5
Total Revenues EUR mil 45.1 49.9 47.5
Staff Cost EUR mil 20.6 20.6 20.2
Operating Profit EUR mil 14.0 18.7 16.8
Provisions EUR mil 3.94 -5.14 -8.05
Net Profit EUR mil 17.5 16.8 24.3
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 1,006 1,099 898
Customer Loans EUR mil 1,170 1,238 1,324
Debt Securities EUR mil 591 603 575
Total Assets EUR mil 3,126 3,304 3,380
Shareholders' Equity EUR mil 341 354 376
Interbank Borrowing EUR mil 656 899 1,078
Customer Deposits EUR mil 888 933 1,013
Issued Debt Securities EUR mil 1,199 1,064 865
Ratios 2015 2016 2017
ROE % 4.46 4.83 6.65
ROA % 0.560 0.522 0.726
Costs (As % Of Assets) % 0.999 0.972 0.918
Costs (As % Of Income) % 69.0 62.5 64.6
Net Interest Margin % 0.844 0.871 0.751
Loans (As % Of Deposits) % 132 133 131
Growth Rates 2015 2016 2017
Total Revenue Growth % -1.98 10.7 -4.93
Operating Cost Growth % -0.689 0.244 -1.74
Operating Profit Growth % -4.73 33.9 -10.3
Net Profit Growth % 3.46 -3.89 44.6
Customer Loan Growth % 2.30 5.81 6.98
Total Asset Growth % 0.397 5.68 2.31
Customer Deposit Growth % -0.401 5.04 8.67
Shareholders' Equity Growth % -23.0 3.76 6.21
Employees 246 249 242

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summary Unit 2011 2012 2013 2014 2015 2016 2017
income statement              
Net Interest Income EUR mil 25.1 20.5 21.9 27.3 26.3    
Total Revenues EUR mil 40.6 37.5 40.4 46.0 45.1    
Operating Profit EUR mil 14.0 8.59 10.8 14.7 14.0    
Net Profit EUR mil 13.5 13.8 3.10 16.9 17.5    
balance sheet              
Interbank Loans EUR mil 845 1,122 964 959 1,006    
Customer Loans EUR mil 1,031 1,051 1,111 1,144 1,170    
Debt Securities EUR mil 825 798 731 629 591    
Total Assets EUR mil 3,123 3,376 3,215 3,114 3,126    
Shareholders' Equity EUR mil 294 300 295 443 341    
Interbank Borrowing EUR mil 1,013 1,142 847 721 656    
Customer Deposits EUR mil 835 909 938 891 888    
Issued Debt Securities EUR mil 932 989 1,050 1,118 1,199    
ratios              
ROE % 4.58 4.65 1.04 4.57 4.46    
ROA % 0.431 0.424 0.094 0.533 0.560    
Costs (As % Of Assets) % 0.853 0.890 0.898 0.992 0.999    
Costs (As % Of Income) % 65.6 77.1 73.3 68.1 69.0    
Net Interest Margin % 0.803 0.632 0.665 0.863 0.844    
Interest Income (As % Of Revenues) % 61.8 54.7 54.3 59.3 58.4    
Fee Income (As % Of Revenues) % 24.3 26.8 29.9 25.9 27.2    
Staff Cost (As % Of Total Cost) % 65.8 65.7 67.2 65.4 66.1    
Equity (As % Of Assets) % 9.40 8.89 9.18 14.2 10.9    
Loans (As % Of Deposits) % 123 116 118 128 132    
Loans (As % Assets) % 33.0 31.1 34.6 36.7 37.4    
income statement Unit 2011 2012 2013 2014 2015 2016 2017
income statement              
Interest Income EUR mil 75.3 67.5 56.5 53.7 46.3    
Interest Cost EUR mil 50.2 47.0 34.5 26.4 20.0    
Net Interest Income EUR mil 25.1 20.5 21.9 27.3 26.3    
Net Fee Income EUR mil 9.85 10.1 12.1 11.9 12.3    
Other Income EUR mil 5.67 6.92 6.39 6.81 6.53    
Total Revenues EUR mil 40.6 37.5 40.4 46.0 45.1    
Staff Cost EUR mil 17.5 19.0 19.9 20.5 20.6    
Depreciation EUR mil 0 0 0 0 0    
Other Cost EUR mil 9.11 9.93 9.73 10.9 10.5    
Operating Cost EUR mil 26.6 28.9 29.6 31.4 31.2    
Operating Profit EUR mil 14.0 8.59 10.8 14.7 14.0    
Provisions EUR mil 1.14 1.12 -51.6 7.58 3.94    
Extra and Other Cost EUR mil -2.28 -8.12 -13.6 -30.1 -15.6    
Pre-Tax Profit EUR mil 15.1 15.6 76.0 37.2 25.7    
Tax EUR mil 1.66 1.80 0.890 2.49 8.20    
Minorities EUR mil 0 0 0 0 0    
Net Profit EUR mil 13.5 13.8 3.10 16.9 17.5    
growth rates              
Net Interest Income Growth % ... -18.1 6.79 24.5 -3.57    
Net Fee Income Growth % ... 2.08 20.0 -1.18 2.88    
Total Revenue Growth % ... -7.61 7.65 14.0 -1.98    
Operating Cost Growth % ... 8.63 2.37 5.96 -0.689    
Operating Profit Growth % ... -38.6 25.4 36.2 -4.73    
Pre-Tax Profit Growth % ... 3.18 387 -51.1 -31.0    
Net Profit Growth % ... 2.47 -77.5 444 3.46    
market share              
Market Share in Revenues % 0.211 0.196 0.213 0.231 0.217    
Market Share in Net Profit % 1.13 0.429 -0.332 -0.252 0.469    
Market Share in Employees % ... ... 0.321 0.329 0.336    
Market Share in Branches % 3.50 3.50 ... ... ... ... ...
balance sheet Unit 2011 2012 2013 2014 2015 2016 2017
balance sheet              
Cash EUR mil 15.3 21.6 21.1 21.3 22.7    
Interbank Loans EUR mil 845 1,122 964 959 1,006    
Customer Loans EUR mil 1,031 1,051 1,111 1,144 1,170    
Debt Securities EUR mil 825 798 731 629 591    
Fixed Assets EUR mil 5.29 5.23 6.41 6.31 5.54    
Total Assets EUR mil 3,123 3,376 3,215 3,114 3,126    
Shareholders' Equity EUR mil 294 300 295 443 341    
Of Which Minority Interest EUR mil ... ... 0 0 0    
Liabilities EUR mil 2,829 3,076 2,920 2,671 2,785    
Interbank Borrowing EUR mil 1,013 1,142 847 721 656    
Customer Deposits EUR mil 835 909 938 891 888    
Issued Debt Securities EUR mil 932 989 1,050 1,118 1,199    
Other Liabilities EUR mil 50.0 36.4 85.6 -60.2 42.4    
growth rates              
Customer Loan Growth % ... 1.96 5.71 2.91 2.30    
Total Asset Growth % ... 8.11 -4.76 -3.16 0.397    
Shareholders' Equity Growth % ... 2.26 -1.69 50.1 -23.0    
Customer Deposit Growth % ... 8.88 3.18 -4.94 -0.401    
market share              
Market Share in Customer Loans % 0.231 0.238 0.256 0.268 0.272    
Market Share in Total Assets % 0.308 0.344 0.347 0.347 0.364    
Market Share in Customer Deposits % 0.240 0.257 0.259 0.238 0.230    
ratios Unit 2011 2012 2013 2014 2015 2016 2017
ratios              
ROE % 4.58 4.65 1.04 4.57 4.46    
ROA % 0.431 0.424 0.094 0.533 0.560    
Costs (As % Of Assets) % 0.853 0.890 0.898 0.992 0.999    
Costs (As % Of Income) % 65.6 77.1 73.3 68.1 69.0    
Net Interest Margin % 0.803 0.632 0.665 0.863 0.844    
Interest Spread % ... 0.487 0.561 0.753 0.752    
Asset Yield % 2.41 2.08 1.71 1.70 1.49    
Cost Of Liabilities % ... 1.59 1.15 0.944 0.733    
Interest Income (As % Of Revenues) % 61.8 54.7 54.3 59.3 58.4    
Fee Income (As % Of Revenues) % 24.3 26.8 29.9 25.9 27.2    
Other Income (As % Of Revenues) % 14.0 18.5 15.8 14.8 14.5    
Cost Per Employee USD per month ... ... 9,016 9,036 8,004    
Cost Per Employee (Local Currency) EUR per month ... ... 6,792 7,010 6,982    
Staff Cost (As % Of Total Cost) % 65.8 65.7 67.2 65.4 66.1    
Equity (As % Of Assets) % 9.40 8.89 9.18 14.2 10.9    
Loans (As % Of Deposits) % 123 116 118 128 132    
Loans (As % Assets) % 33.0 31.1 34.6 36.7 37.4    
Cost of Provisions (As % Of Loans) % 0.111 0.107 -4.78 0.673 0.345    
other data Unit 2011 2012 2013 2014 2015 2016 2017
other data              
Branches 155 156 ... ... ... ... ...
Employees ... ... 244 244 246    

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RLB Burgenland's total revenues fell 4.93% to EUR 47.5 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland generated total banking revenues of EUR 47.5 mil in 2017, down 4.93% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to th...

RLB Burgenland's net interest margin fell 13.7% to 0.751% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland's net interest margin amounted to 0.751% in 2017, down from 0.871% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.871% in 2016 and an all time low of 0.632% in 2012. ...

RLB Burgenland's net interest income fell 10.3% to EUR 25.1 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland generated total banking revenues of EUR 47.5 mil in 2017, down 4.93% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 49.9 ...

RLB Burgenland's customer loan growth rose 20.3% to 6.98% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Burgenland's customer loan growth reached 6.98% in 2017, up from 5.81% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 6.98% in 2017 and an all time low of 1.96% in 2012. In the last de...

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Finance

Raiffeisenlandesbank Burgenland has been growing its revenues and asset by 1.03% and 2.77% a year on average in the last 3 years. Its loans and deposits have grown by 5.01% and 4.37% a year during that time and loans to deposits ratio reached 131% at the end of 2017. The company achieved an average return on equity of 5.31% in the last three years with net profit growing 12.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.6% in 2017, compared to 65.4% average in the last three years.

Equity represented 11.1% of total assets or 28.4% of loans at the end of 2017. Raiffeisenlandesbank Burgenland's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.