Raiffeisenlandesbank Karnten

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 20.1 19.1 19.2
Fee Income (As % Of Revenues) % 18.3 18.6 18.4
Other Income EUR mil 28.5 28.1 28.8
Total Revenues EUR mil 59.5 58.0 58.7
Staff Cost EUR mil 29.2 29.0 29.6
Operating Profit EUR mil 11.0 11.1 11.3
Provisions EUR mil 3.71 1.51 1.59
Net Profit EUR mil 4.24 24.2 38.4
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 723 716 760
Customer Loans EUR mil 858 850 888
Debt Securities EUR mil 684 661 714
Total Assets EUR mil 2,570 2,547 2,755
Shareholders' Equity EUR mil 250 274 296
Interbank Borrowing EUR mil 1,532 1,443 1,589
Customer Deposits EUR mil 410 460 500
Issued Debt Securities EUR mil 269 260 303
Ratios 2015 2016 2017
ROE % 1.70 9.24 13.5
ROA % 0.165 0.946 1.45
Costs (As % Of Assets) % 1.88 1.83 1.79
Costs (As % Of Income) % 81.5 80.9 80.8
Capital Adequacy Ratio % 16.8 18.3 19.3
Net Interest Margin % 0.781 0.748 0.722
Loans (As % Of Deposits) % 210 185 178
Growth Rates 2015 2016 2017
Total Revenue Growth % ... -2.41 1.21
Operating Cost Growth % ... -3.15 1.20
Operating Profit Growth % ... 0.850 1.26
Net Profit Growth % ... 471 58.7
Customer Loan Growth % ... -0.950 4.48
Total Asset Growth % ... -0.888 8.17
Customer Deposit Growth % ... 12.3 8.76
Shareholders' Equity Growth % ... 9.47 8.34
Employees ... 1,506 1,541

Get all company financials in excel:

Download Sample   $19.99

summary Unit 2015 2016 2017
income statement      
Net Interest Income EUR mil 20.1    
Total Revenues EUR mil 59.5    
Operating Profit EUR mil 11.0    
Net Profit EUR mil 4.24    
balance sheet      
Interbank Loans EUR mil 723    
Customer Loans EUR mil 858    
Debt Securities EUR mil 684    
Total Assets EUR mil 2,570    
Shareholders' Equity EUR mil 250    
Interbank Borrowing EUR mil 1,532    
Customer Deposits EUR mil 410    
Issued Debt Securities EUR mil 269    
ratios      
ROE % 1.70    
ROA % 0.165    
Costs (As % Of Assets) % 1.88    
Costs (As % Of Income) % 81.5    
Capital Adequacy Ratio % 16.8    
Net Interest Margin % 0.781    
Interest Income (As % Of Revenues) % 33.7    
Fee Income (As % Of Revenues) % 18.3    
Staff Cost (As % Of Total Cost) % 60.2    
Equity (As % Of Assets) % 9.73    
Loans (As % Of Deposits) % 210    
Loans (As % Assets) % 33.4    
income statement Unit 2015 2016 2017
income statement      
Interest Income EUR mil 57.1    
Interest Cost EUR mil 37.0    
Net Interest Income EUR mil 20.1    
Net Fee Income EUR mil 10.9    
Other Income EUR mil 28.5    
Total Revenues EUR mil 59.5    
Staff Cost EUR mil 29.2    
Depreciation EUR mil 5.24    
Other Cost EUR mil 14.0    
Operating Cost EUR mil 48.4    
Operating Profit EUR mil 11.0    
Provisions EUR mil 3.71    
Extra and Other Cost EUR mil 0.100    
Pre-Tax Profit EUR mil 7.21    
Tax EUR mil 1.64    
Minorities EUR mil 0    
Net Profit EUR mil 4.24    
growth rates      
Net Interest Income Growth % ...    
Net Fee Income Growth % ...    
Total Revenue Growth % ...    
Operating Cost Growth % ...    
Operating Profit Growth % ...    
Pre-Tax Profit Growth % ...    
Net Profit Growth % ...    
market share      
Market Share in Revenues % 0.286    
Market Share in Net Profit % 0.114    
Market Share in Employees % ...    
Market Share in Branches % 3.64    
balance sheet Unit 2015 2016 2017
balance sheet      
Cash EUR mil 4.59    
Interbank Loans EUR mil 723    
Customer Loans EUR mil 858    
Debt Securities EUR mil 684    
Fixed Assets EUR mil 23.1    
Total Assets EUR mil 2,570    
Shareholders' Equity EUR mil 250    
Of Which Minority Interest EUR mil 0    
Liabilities EUR mil 2,320    
Interbank Borrowing EUR mil 1,532    
Customer Deposits EUR mil 410    
Issued Debt Securities EUR mil 269    
Other Liabilities EUR mil 109    
growth rates      
Customer Loan Growth % ...    
Total Asset Growth % ...    
Shareholders' Equity Growth % ...    
Customer Deposit Growth % ...    
market share      
Market Share in Customer Loans % 0.200    
Market Share in Total Assets % 0.299    
Market Share in Customer Deposits % 0.106    
other data Unit 2015 2016 2017
other data      
Branches 149    
Employees ...    

Get all company financials in excel:

Download Sample   $19.99

Raiffeisenlandesbank Karnten Logo

Finance

Raiffeisenlandesbank Karnten has been growing its revenues and asset by 0% and 0% a year on average in the last 3 years. Its loans and deposits have grown by 0% and 0% a year during that time and loans to deposits ratio reached 178% at the end of 2017. The company achieved an average return on equity of 8.14% in the last three years with net profit growing 0% a year on average. In terms of operating efficiency, its cost to income ratio reached 80.8% in 2017, compared to 81.1% average in the last three years.

Equity represented 10.8% of total assets or 33.4% of loans at the end of 2017. Raiffeisenlandesbank Karnten's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.