Raiffeisenlandesbank Niederosterreich-Wien

RLB N's npls (as % of loans) fell 41.2% to 2.38% in 2017

By Helgi Analytics - 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...

RLB N's net profit rose 967% to EUR 559 mil in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Niederosterreich-Wien made a net profit of EUR 559 mil in 2017, up 967% compared to the previous year. This...

RLB N's employees fell 7.19% to 1,020 in 2017

By Helgi Analytics - 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
Fee Income (As % Of Revenues) % 26.6 21.6 26.0
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
Debt Securities EUR mil 5,161 4,415 4,741
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

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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    
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   ...

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RLB N's capital adequacy ratio rose 19.1% to 24.3% in 2017

By Helgi Analytics - 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. ...

RLB N's total revenues fell 13.6% to EUR 209 mil in 2017

By Helgi Analytics - 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...

RLB N's costs (as % of assets) rose 12.0% to 0.868% in 2017

By Helgi Analytics - 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...

RLB N's customer loans fell 1.29% to EUR 11,426 mil in 2017

By Helgi Analytics - 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...

RLB N's customer deposits rose 1.96% to EUR 7,768 mil in 2017

By Helgi Analytics - 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...

RLB N's net interest margin fell 20.3% to 0.520% in 2017

By Helgi Analytics - 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...

RLB N's retail deposits rose 3.04% to EUR 4,104 mil in 2017

By Helgi Analytics - 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...

RLB N's net interest income fell 23.4% to EUR 133 mil in 2017

By Helgi Analytics - 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 ...

RLB N's corporate loans rose 2.51% to EUR 7,185 mil in 2017

By Helgi Analytics - 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...

RLB N's corporate deposits rose 14.0% to EUR 2,110 mil in 2017

By Helgi Analytics - 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...

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Finance

Raiffeisenlandesbank Niederosterreich-Wien has been growing its revenues and asset by 0% and 0% a year on average in the last 10 years. Its loans and deposits have grown by 0% and 0% 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 0% 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.