By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's non-performing loans reached 2.38% of total loans at the end of 2017, down from 4.05...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Niederosterreich-Wien made a net profit of EUR 559 mil in 2017, up 967% compared to the previous year. This...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien employed 1,020 persons in 2017, down 7.19% when compared to the previous year. Histor...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 184 | 173 | 133 |
| Net Fee Income | EUR mil | 66.2 | 52.3 | 54.4 |
| Other Income | EUR mil | -1.00 | 16.5 | 21.8 |
| Total Revenues | EUR mil | 249 | 242 | 209 |
| Staff Cost | EUR mil | 105 | 95.0 | 110 |
| Operating Profit | EUR mil | 44.1 | 36.0 | -12.8 |
| Provisions | EUR mil | -1.93 | -17.8 | 8.85 |
| Net Profit | EUR mil | 65.4 | -64.5 | 559 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 7,583 | 6,261 | 5,443 |
| Customer Loans | EUR mil | 11,646 | 11,576 | 11,426 |
| Total Assets | EUR mil | 27,743 | 25,405 | 25,712 |
| Shareholders' Equity | EUR mil | 1,751 | 1,697 | 2,237 |
| Interbank Borrowing | EUR mil | 9,453 | 7,628 | 7,819 |
| Customer Deposits | EUR mil | 7,622 | 7,618 | 7,768 |
| Issued Debt Securities | EUR mil | 7,190 | 6,760 | 6,546 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 3.68 | -3.74 | 28.4 |
| ROA | % | 0.228 | -0.243 | 2.19 |
| Costs (As % Of Assets) | % | 0.715 | 0.775 | 0.868 |
| Costs (As % Of Income) | % | 82.3 | 85.1 | 106 |
| Capital Adequacy Ratio | % | 20.3 | 20.4 | 24.3 |
| Net Interest Margin | % | 0.642 | 0.652 | 0.520 |
| Loans (As % Of Deposits) | % | 153 | 152 | 147 |
| NPLs (As % Of Loans) | % | 5.47 | 4.05 | 2.38 |
| Provisions (As % Of NPLs) | % | 46.2 | 50.7 | 67.9 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 1.20 | -2.72 | -13.6 |
| Operating Cost Growth | % | 3.13 | 0.648 | 7.68 |
| Operating Profit Growth | % | -6.85 | -18.3 | -136 |
| Net Profit Growth | % | -126 | -199 | -967 |
| Customer Loan Growth | % | -3.60 | -0.605 | -1.29 |
| Total Asset Growth | % | -6.00 | -8.43 | 1.21 |
| Customer Deposit Growth | % | 1.93 | -0.047 | 1.96 |
| Shareholders' Equity Growth | % | -2.70 | -3.07 | 31.9 |
| Employees | 1,185 | 1,099 | 1,020 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Net Interest Income | EUR mil | 207 | 161 | 146 | 175 | 184 | |||||
| Total Revenues | EUR mil | 273 | 240 | 220 | 246 | 249 | |||||
| Operating Profit | EUR mil | 85.4 | 49.3 | 5.93 | 47.4 | 44.1 | |||||
| Net Profit | EUR mil | 110 | 22.5 | 145 | -249 | 65.4 | |||||
| balance sheet | |||||||||||
| Interbank Loans | EUR mil | 10,915 | 10,042 | 8,576 | 7,937 | 7,583 | |||||
| Customer Loans | EUR mil | 9,803 | 10,147 | 10,706 | 12,081 | 11,646 | |||||
| Debt Securities | EUR mil | 6,374 | 6,809 | 5,498 | 5,910 | 5,161 | |||||
| Total Assets | EUR mil | 32,103 | 32,310 | 29,070 | 29,514 | 27,743 | |||||
| Shareholders' Equity | EUR mil | 2,272 | 2,422 | 2,355 | 1,799 | 1,751 | |||||
| Interbank Borrowing | EUR mil | 14,430 | 12,643 | 9,029 | 10,834 | 9,453 | |||||
| Customer Deposits | EUR mil | 7,294 | 8,090 | 8,280 | 7,478 | 7,622 | |||||
| Issued Debt Securities | EUR mil | 4,901 | 6,637 | 7,713 | 7,177 | 7,190 | |||||
| ratios | |||||||||||
| ROE | % | 4.71 | 0.959 | 6.09 | -12.0 | 3.68 | |||||
| ROA | % | 0.339 | 0.070 | 0.474 | -0.849 | 0.228 | |||||
| Costs (As % Of Assets) | % | 0.578 | 0.593 | 0.698 | 0.678 | 0.715 | |||||
| Costs (As % Of Income) | % | 68.6 | 79.5 | 97.3 | 80.7 | 82.3 | |||||
| Capital Adequacy Ratio | % | 14.1 | 14.9 | 21.4 | 19.7 | 20.3 | |||||
| Net Interest Margin | % | 0.638 | 0.499 | 0.475 | 0.599 | 0.642 | |||||
| Interest Income (As % Of Revenues) | % | 75.8 | 66.9 | 66.3 | 71.3 | 73.8 | |||||
| Fee Income (As % Of Revenues) | % | 24.8 | 29.9 | 31.5 | 27.1 | 26.6 | |||||
| Staff Cost (As % Of Total Cost) | % | 54.4 | 55.5 | 53.4 | 49.8 | 51.2 | |||||
| Equity (As % Of Assets) | % | 7.08 | 7.50 | 8.10 | 6.10 | 6.31 | |||||
| Loans (As % Of Deposits) | % | 134 | 125 | 129 | 162 | 153 | |||||
| Loans (As % Assets) | % | 30.5 | 31.4 | 36.8 | 40.9 | 42.0 | |||||
| NPLs (As % Of Loans) | % | 4.44 | 5.77 | 4.75 | 6.16 | 5.47 | |||||
| Provisions (As % Of NPLs) | % | 64.8 | 52.8 | 57.1 | 44.0 | 46.2 | |||||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | -7.59 | -22.1 | -9.36 | 20.3 | 4.72 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Interest Income | EUR mil | 755 | 693 | 569 | 548 | 499 | |||||
| Interest Cost | EUR mil | 548 | 532 | 424 | 372 | 316 | |||||
| Net Interest Income | EUR mil | 207 | 161 | 146 | 175 | 184 | |||||
| Net Fee Income | EUR mil | 67.6 | 71.9 | 69.3 | 66.5 | 66.2 | |||||
| Other Income | EUR mil | -1.63 | 7.57 | 4.90 | 3.93 | -1.00 | |||||
| Total Revenues | EUR mil | 273 | 240 | 220 | 246 | 249 | |||||
| Staff Cost | EUR mil | 102 | 106 | 114 | 98.9 | 105 | |||||
| Depreciation | EUR mil | 4.42 | 4.76 | 5.24 | 4.42 | 3.94 | |||||
| Other Cost | EUR mil | 80.8 | 80.3 | 94.6 | 95.1 | 95.9 | |||||
| Operating Cost | EUR mil | 187 | 191 | 214 | 198 | 205 | |||||
| Operating Profit | EUR mil | 85.4 | 49.3 | 5.93 | 47.4 | 44.1 | |||||
| Provisions | EUR mil | 57.0 | 56.4 | 66.4 | 84.1 | -1.93 | |||||
| Extra and Other Cost | EUR mil | -79.2 | -24.0 | -186 | 226 | -34.3 | |||||
| Pre-Tax Profit | EUR mil | 108 | 16.8 | 125 | -262 | 80.4 | |||||
| Tax | EUR mil | 2.07 | -5.66 | -20.3 | -13.9 | 15.0 | |||||
| Minorities | EUR mil | 0.001 | -0.002 | 0.007 | 0 | 0 | |||||
| Net Profit | EUR mil | 110 | 22.5 | 145 | -249 | 65.4 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | -7.59 | -22.1 | -9.36 | 20.3 | 4.72 | ||||
| Net Fee Income Growth | % | ... | 2.85 | 6.31 | -3.49 | -4.03 | -0.585 | ||||
| Total Revenue Growth | % | ... | -13.1 | -11.8 | -8.42 | 11.7 | 1.20 | ||||
| Operating Cost Growth | % | ... | 3.50 | 2.07 | 12.1 | -7.29 | 3.13 | ||||
| Operating Profit Growth | % | ... | -35.6 | -42.3 | -88.0 | 700 | -6.85 | ||||
| Pre-Tax Profit Growth | % | ... | -66.0 | -84.4 | 643 | -310 | -131 | ||||
| Net Profit Growth | % | ... | -64.5 | -79.5 | 546 | -271 | -126 | ||||
| market share | |||||||||||
| Market Share in Revenues | % | 1.42 | 1.26 | 1.16 | 1.23 | 1.20 | |||||
| Market Share in Net Profit | % | 9.18 | 0.700 | -15.5 | 3.71 | 1.76 | |||||
| Market Share in Employees | % | 1.73 | 1.66 | 1.63 | 1.62 | 1.62 | |||||
| Market Share in Branches | % | 1.49 | 1.48 | 1.31 | 1.18 | 1.07 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||
| Cash | EUR mil | 56.4 | 679 | 405 | 60.7 | 537 | |||||
| Interbank Loans | EUR mil | 10,915 | 10,042 | 8,576 | 7,937 | 7,583 | |||||
| Customer Loans | EUR mil | 9,803 | 10,147 | 10,706 | 12,081 | 11,646 | |||||
| Retail Loans | EUR mil | 1,594 | 1,651 | 1,679 | 1,702 | 1,771 | |||||
| Corporate Loans | EUR mil | 7,858 | 8,299 | 8,217 | 8,693 | 8,356 | |||||
| Debt Securities | EUR mil | 6,374 | 6,809 | 5,498 | 5,910 | 5,161 | |||||
| Fixed Assets | EUR mil | 16.4 | 17.0 | 15.5 | 14.1 | 13.7 | |||||
| Total Assets | EUR mil | 32,103 | 32,310 | 29,070 | 29,514 | 27,743 | |||||
| Shareholders' Equity | EUR mil | 2,272 | 2,422 | 2,355 | 1,799 | 1,751 | |||||
| Of Which Minority Interest | EUR mil | 0.092 | 0.056 | 0.055 | 0 | 0 | |||||
| Liabilities | EUR mil | 29,831 | 29,889 | 26,715 | 27,715 | 25,992 | |||||
| Interbank Borrowing | EUR mil | 14,430 | 12,643 | 9,029 | 10,834 | 9,453 | |||||
| Customer Deposits | EUR mil | 7,294 | 8,090 | 8,280 | 7,478 | 7,622 | |||||
| Retail Deposits | EUR mil | 4,425 | 4,562 | 4,343 | 4,080 | 3,772 | |||||
| Corporate Deposits | EUR mil | 1,973 | 2,318 | 2,650 | 2,120 | 2,466 | |||||
| Sight Deposits | EUR mil | 3,615 | 4,439 | 4,805 | 4,613 | 5,021 | |||||
| Term Deposits | EUR mil | 3,679 | 3,651 | 3,475 | 2,864 | 2,600 | |||||
| Issued Debt Securities | EUR mil | 4,901 | 6,637 | 7,713 | 7,177 | 7,190 | |||||
| Other Liabilities | EUR mil | 3,206 | 2,519 | 1,693 | 2,226 | 1,727 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | EUR mil | 448 | 604 | 523 | 765 | 653 | |||||
| Gross Loans | EUR mil | 10,094 | 10,465 | 11,005 | 12,418 | 11,948 | |||||
| Total Provisions | EUR mil | 290 | 319 | 298 | 337 | 302 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 4.50 | 3.50 | 5.52 | 12.8 | -3.60 | ||||
| Retail Loan Growth | % | ... | 4.46 | 3.56 | 1.69 | 1.34 | 4.10 | ||||
| Corporate Loan Growth | % | ... | 3.59 | 5.62 | -0.993 | 5.79 | -3.87 | ||||
| Total Asset Growth | % | ... | -1.77 | 0.647 | -10.0 | 1.53 | -6.00 | ||||
| Shareholders' Equity Growth | % | ... | -4.69 | 6.61 | -2.76 | -23.6 | -2.70 | ||||
| Customer Deposit Growth | % | ... | 3.16 | 10.9 | 2.36 | -9.69 | 1.93 | ||||
| Retail Deposit Growth | % | ... | 11.4 | 3.11 | -4.80 | -6.07 | -7.54 | ||||
| Corporate Deposit Growth | % | ... | -9.25 | 17.5 | 14.3 | -20.0 | 16.3 | ||||
| market share | |||||||||||
| Market Share in Customer Loans | % | 2.20 | 2.30 | 2.47 | 2.84 | 2.71 | |||||
| Market Share in Corporate Loans | % | 5.74 | 6.01 | 5.98 | 6.56 | 6.30 | |||||
| Market Share in Consumer Loans | % | 1.21 | 1.24 | 1.26 | 1.25 | 1.25 | |||||
| Market Share in Total Assets | % | 3.17 | 3.29 | 3.14 | 3.29 | 3.23 | |||||
| Market Share in Customer Deposits | % | 2.09 | 2.29 | 2.28 | 2.00 | 1.98 | |||||
| Market Share in Retail Deposits | % | 2.13 | 2.16 | 2.04 | 1.87 | 1.64 | |||||
| Market Share in Corporate Deposits | % | 4.06 | 4.50 | 5.01 | 4.04 | 4.52 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||
| ROE | % | 4.71 | 0.959 | 6.09 | -12.0 | 3.68 | |||||
| ROA | % | 0.339 | 0.070 | 0.474 | -0.849 | 0.228 | |||||
| Costs (As % Of Assets) | % | 0.578 | 0.593 | 0.698 | 0.678 | 0.715 | |||||
| Costs (As % Of Income) | % | 68.6 | 79.5 | 97.3 | 80.7 | 82.3 | |||||
| Capital Adequacy Ratio | % | 14.1 | 14.9 | 21.4 | 19.7 | 20.3 | |||||
| Tier 1 Ratio | % | 9.40 | 10.3 | 13.3 | 13.8 | 15.0 | |||||
| Net Interest Margin | % | 0.638 | 0.499 | 0.475 | 0.599 | 0.642 | |||||
| Interest Spread | % | ... | 0.507 | 0.370 | 0.358 | 0.502 | 0.569 | ||||
| Asset Yield | % | 2.33 | 2.15 | 1.86 | 1.87 | 1.74 | |||||
| Cost Of Liabilities | % | ... | 1.82 | 1.78 | 1.50 | 1.37 | 1.18 | ||||
| Interest Income (As % Of Revenues) | % | 75.8 | 66.9 | 66.3 | 71.3 | 73.8 | |||||
| Fee Income (As % Of Revenues) | % | 24.8 | 29.9 | 31.5 | 27.1 | 26.6 | |||||
| Other Income (As % Of Revenues) | % | -0.600 | 3.15 | 2.23 | 1.60 | -0.403 | |||||
| Cost Per Employee | USD per month | 8,716 | 8,820 | 10,223 | 8,849 | 8,455 | |||||
| Cost Per Employee (Local Currency) | EUR per month | 6,269 | 6,869 | 7,701 | 6,865 | 7,376 | |||||
| Staff Cost (As % Of Total Cost) | % | 54.4 | 55.5 | 53.4 | 49.8 | 51.2 | |||||
| Equity (As % Of Assets) | % | 7.08 | 7.50 | 8.10 | 6.10 | 6.31 | |||||
| Loans (As % Of Deposits) | % | 134 | 125 | 129 | 162 | 153 | |||||
| Loans (As % Assets) | % | 30.5 | 31.4 | 36.8 | 40.9 | 42.0 | |||||
| NPLs (As % Of Loans) | % | 4.44 | 5.77 | 4.75 | 6.16 | 5.47 | |||||
| Provisions (As % Of NPLs) | % | 64.8 | 52.8 | 57.1 | 44.0 | 46.2 | |||||
| Provisions (As % Of Loans) | % | 2.96 | 3.14 | 2.79 | 2.79 | 2.59 | |||||
| Cost of Provisions (As % Of Loans) | % | 0.594 | 0.566 | 0.637 | 0.738 | -0.016 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||
| Branches | 66.0 | 66.0 | 57.0 | 50.0 | 44.0 | ||||||
| Employees | 1,354 | 1,285 | 1,237 | 1,201 | 1,185 | ||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Sight (As % Of Customer Deposits) | % | 49.6 | 54.9 | 58.0 | 61.7 | 65.9 | |||||
| Risk-Weighted Assets | EUR mil | ... | ... | 14,164 | 13,383 | 14,362 | 14,485 | 12,887 | ... |
Get all company financials in excel:
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's capital adequacy ratio reached 24.3% at the end of 2017, up from 20.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 24.3% in 2017 and an all time low of 12.0% in 2008. ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien generated total banking revenues of EUR 209 mil in 2017, down 13.6% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when comp...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's cost to income ratio reached 106% in 2017, up from 85.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 106% of income in 2017 and an all time low of 57.7% in 2010. Whe...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's customer loans reached EUR 11,426 mil in 2017, down 1.29% compared to the previous year. Austrian banking sector provided customer loans of EUR 435 bil in 2017, down 0% when compared to the last year. Raiffeise...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's customer deposits reached EUR 7,768 mil in 2017, up 1.96% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Raiff...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Niederosterreich-Wien's net interest margin amounted to 0.520% in 2017, down from 0.652% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.694% in 2010 and an all time low of 0.475...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's retail deposits reached EUR 4,104 mil in 2017, up 3.04% compared to the previous year. Austrian banking sector accepted retail deposits of EUR 240 bil in 2017, up 0.644% when compared to the last year. Raiffeis...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Niederosterreich-Wien generated total banking revenues of EUR 209 mil in 2017, down 13.6% 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 ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's corporate loans reached EUR 7,185 mil in 2017, up 2.51% compared to the previous year. Austrian banking sector provided corporate loans of EUR 142 bil in 2017, up 5.38% when compared to the last year. Raiffeise...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's corporate deposits reached EUR 2,110 mil in 2017, up 14.0% compared to the previous year. Austrian banking sector accepted corporate deposits of EUR 68.9 bil in 2017, up 10.6% when compared to the last year. Ra...
Raiffeisenlandesbank Niederosterreich-Wien has been growing its revenues and asset by % and % a year on average in the last 10 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached 147% at the end of 2017. The company achieved an average return on equity of 5.20% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 106% in 2017, compared to 81.2% average in the last decade.
Equity represented 8.70% of total assets or 19.6% of loans at the end of 2017. Raiffeisenlandesbank Niederosterreich-Wien's non-performing loans were 2.38% of total loans while provisions covered some 67.9% of NPLs at the end of 2017.
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