| 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:
| 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 |
| ratios | Unit | 2015 | 2016 | 2017 |
| ratios | ||||
| ROE | % | 1.70 | ||
| ROA | % | 0.165 | ||
| Costs (As % Of Assets) | % | 1.88 | ||
| Costs (As % Of Income) | % | 81.5 | ||
| Capital Adequacy Ratio | % | 16.8 | ||
| Tier 1 Ratio | % | 14.4 | ||
| Net Interest Margin | % | 0.781 | ||
| Interest Spread | % | ... | ||
| Asset Yield | % | 2.22 | ||
| Cost Of Liabilities | % | ... | ||
| Interest Income (As % Of Revenues) | % | 33.7 | ||
| Fee Income (As % Of Revenues) | % | 18.3 | ||
| Other Income (As % Of Revenues) | % | 47.9 | ||
| Cost Per Employee | USD per month | ... | ||
| Cost Per Employee (Local Currency) | EUR per month | ... | ||
| Staff Cost (As % Of Total Cost) | % | 60.2 | ||
| Equity (As % Of Assets) | % | 9.73 | ||
| Loans (As % Of Deposits) | % | 210 | ||
| Loans (As % Assets) | % | 33.4 | ||
| Cost of Provisions (As % Of Loans) | % | ... |
Get all company financials in excel:
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.
Helgi Analytics 
