Raiffeisenlandesbank Oberosterreich

RLB O's npls (as % of loans) fell 5.47% to 3.09% in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Oberosterreich's non-performing loans reached 3.09% of total loans at the end of 2017, down from 3.27% compa...

RLB O's capital adequacy ratio rose 4.71% to 17.8% in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Oberosterreich's capital adequacy ratio reached 17.8% at the end of 2017, up from 17.0% compared to the prev...

RLB O's net profit rose 151% to EUR 484 mil in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Oberosterreich made a net profit of EUR 484 mil in 2017, up 151% compared to the previous year. This implie...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 417 370 352
Fee Income (As % Of Revenues) % 12.0 15.8 15.8
Other Income EUR mil 517 403 467
Total Revenues EUR mil 1,062 919 973
Staff Cost EUR mil 376 386 397
Operating Profit EUR mil 328 179 217
Provisions EUR mil 61.1 4.24 45.3
Net Profit EUR mil 300 193 484
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 6,855 8,499 8,352
Customer Loans EUR mil 18,731 19,093 20,352
Debt Securities EUR mil 8,139 8,261 7,644
Total Assets EUR mil 37,299 39,385 40,319
Shareholders' Equity EUR mil 3,739 3,928 4,203
Interbank Borrowing EUR mil 11,214 11,082 12,333
Customer Deposits EUR mil 10,628 12,564 12,054
Issued Debt Securities EUR mil 9,050 9,086 9,073
Ratios 2015 2016 2017
ROE % 8.22 5.02 11.9
ROA % 0.792 0.502 1.21
Costs (As % Of Assets) % 1.93 1.93 1.90
Costs (As % Of Income) % 69.1 80.5 77.8
Capital Adequacy Ratio % 16.8 17.0 17.8
Net Interest Margin % 1.10 0.966 0.883
Loans (As % Of Deposits) % 176 152 169
NPLs (As % Of Loans) % 7.16 3.27 3.09
Provisions (As % Of NPLs) % 56.5 103 77.6
Growth Rates 2015 2016 2017
Total Revenue Growth % 31.4 -13.5 5.93
Operating Cost Growth % 6.18 0.813 2.30
Operating Profit Growth % 180 -45.4 20.9
Net Profit Growth % 592 -35.9 151
Customer Loan Growth % -2.27 1.93 6.59
Total Asset Growth % -3.31 5.59 2.37
Customer Deposit Growth % 1.07 18.2 -4.06
Shareholders' Equity Growth % 4.85 5.06 6.98
Employees 5,420 5,831 5,788

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summary Unit 2010 2011 2012 2013 2014 2015 2016 2017
income statement                
Net Interest Income EUR mil   439 418 422 324 417    
Total Revenues EUR mil   784 815 744 808 1,062    
Operating Profit EUR mil   261 255 140 117 328    
Net Profit EUR mil   305 88.7 154 43.4 300    
balance sheet                
Interbank Loans EUR mil   7,393 7,359 6,364 6,779 6,855    
Customer Loans EUR mil   19,712 20,498 19,694 19,167 18,731    
Debt Securities EUR mil   8,396 9,070 8,080 9,125 8,139    
Total Assets EUR mil   38,326 39,823 37,432 38,574 37,299    
Shareholders' Equity EUR mil   3,265 3,478 3,541 3,566 3,739    
Interbank Borrowing EUR mil   12,453 12,654 10,256 11,305 11,214    
Customer Deposits EUR mil   10,140 9,885 11,175 10,516 10,628    
Issued Debt Securities EUR mil   10,113 11,030 10,227 10,179 9,050    
ratios                
ROE %   9.68 2.63 4.38 1.22 8.22    
ROA %   0.826 0.227 0.398 0.114 0.792    
Costs (As % Of Assets) %   1.42 1.43 1.56 1.82 1.93    
Costs (As % Of Income) %   66.7 68.8 81.1 85.5 69.1    
Capital Adequacy Ratio %   13.8 12.9 14.7 14.7 16.8    
Net Interest Margin %   1.19 1.07 1.09 0.853 1.10    
Interest Income (As % Of Revenues) %   56.0 51.3 56.6 40.1 39.3    
Fee Income (As % Of Revenues) %   14.4 14.3 16.8 15.6 12.0    
Staff Cost (As % Of Total Cost) %   52.7 52.9 54.6 51.9 51.3    
Equity (As % Of Assets) %   8.52 8.73 9.46 9.25 10.0    
Loans (As % Of Deposits) %   194 207 176 182 176    
Loans (As % Assets) %   51.4 51.5 52.6 49.7 50.2    
NPLs (As % Of Loans) %   6.03 5.22 4.10 7.60 7.16    
Provisions (As % Of NPLs) %   56.7 83.9 115 60.9 56.5    
income statement Unit 2010 2011 2012 2013 2014 2015 2016 2017
income statement                
Interest Income EUR mil   1,163 1,075 976 934 862    
Interest Cost EUR mil   724 657 555 609 445    
Net Interest Income EUR mil   439 418 422 324 417    
Net Fee Income EUR mil   113 117 125 126 128    
Other Income EUR mil   232 280 198 358 517    
Total Revenues EUR mil   784 815 744 808 1,062    
Staff Cost EUR mil   276 296 330 359 376    
Depreciation EUR mil   51.0 54.6 52.5 78.7 87.7    
Other Cost EUR mil   197 209 222 253 270    
Operating Cost EUR mil   523 560 604 691 734    
Operating Profit EUR mil   261 255 140 117 328    
Provisions EUR mil   87.7 295 146 181 61.1    
Extra and Other Cost EUR mil   -174 -144 -140 -104 -51.2    
Pre-Tax Profit EUR mil   347 104 135 40.7 318    
Tax EUR mil   27.4 8.94 -28.7 4.35 14.3    
Minorities EUR mil   14.9 6.13 9.88 -7.02 3.79    
Net Profit EUR mil   305 88.7 154 43.4 300    
growth rates                
Net Interest Income Growth % ... 17.9 -4.80 0.777 -23.1 28.7    
Net Fee Income Growth % ... 5.20 3.36 7.39 0.550 1.42    
Total Revenue Growth % ... 1.75 3.89 -8.64 8.58 31.4    
Operating Cost Growth % ... -1.87 7.07 7.80 14.4 6.18    
Operating Profit Growth % ... 9.89 -2.48 -44.8 -16.4 180    
Pre-Tax Profit Growth % ... -33.0 -70.1 29.9 -69.8 682    
Net Profit Growth % ... -46.9 -70.9 73.2 -71.8 592    
market share                
Market Share in Revenues %   4.08 4.26 3.93 4.05 5.10    
Market Share in Net Profit %   25.5 2.76 -16.4 -0.648 8.07    
Market Share in Employees %   5.67 5.90 6.57 7.20 7.39    
balance sheet Unit 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                
Cash EUR mil   147 132 91.0 89.1 90.2    
Interbank Loans EUR mil   7,393 7,359 6,364 6,779 6,855    
Customer Loans EUR mil   19,712 20,498 19,694 19,167 18,731    
Retail Loans EUR mil ... ... ... ... ... ...    
Mortgage Loans EUR mil ... ... ... ... ... ...    
Consumer Loans EUR mil ... ... ... ... ... ...    
Corporate Loans EUR mil ... ... ... ... ... ...    
Debt Securities EUR mil   8,396 9,070 8,080 9,125 8,139    
Fixed Assets EUR mil   289 323 452 454 464    
Total Assets EUR mil   38,326 39,823 37,432 38,574 37,299    
Shareholders' Equity EUR mil   3,265 3,478 3,541 3,566 3,739    
Of Which Minority Interest EUR mil   126 140 151 152 144    
Liabilities EUR mil   35,061 36,345 33,891 35,008 33,559    
Interbank Borrowing EUR mil   12,453 12,654 10,256 11,305 11,214    
Customer Deposits EUR mil   10,140 9,885 11,175 10,516 10,628    
Sight Deposits EUR mil   3,352 3,604 4,416 4,572 4,827    
Term Deposits EUR mil   6,787 6,282 6,759 5,944 5,801    
Issued Debt Securities EUR mil   10,113 11,030 10,227 10,179 9,050    
Other Liabilities EUR mil   2,354 2,775 2,233 3,008 2,667    
asset quality                
Non-Performing Loans EUR mil   1,232 1,119 847 1,527 1,397    
Gross Loans EUR mil   20,410 21,438 20,672 20,097 19,521    
Total Provisions EUR mil   698 939 978 930 790    
growth rates                
Customer Loan Growth % ... 8.36 3.99 -3.93 -2.68 -2.27    
Retail Loan Growth % ... ... ... ... ... ... ...  
Mortgage Loan Growth % ... ... ... ... ... ... ...  
Consumer Loan Growth % ... ... ... ... ... ... ...  
Corporate Loan Growth % ... ... ... ... ... ... ...  
Total Asset Growth % ... 7.87 3.91 -6.00 3.05 -3.31    
Shareholders' Equity Growth % ... 7.67 6.51 1.82 0.714 4.85    
Customer Deposit Growth % ... 9.11 -2.51 13.0 -5.89 1.07    
market share                
Market Share in Customer Loans %   4.41 4.65 4.55 4.50 4.35    
Market Share in Corporate Loans % ... ... ... ... ... ...    
Market Share in Retail Loans % ... ... ... ... ... ...    
Market Share in Consumer Loans % ... ... ... ... ... ...    
Market Share in Mortgage Loans % ... ... ... ... ... ...    
Market Share in Total Assets %   3.78 4.05 4.04 4.30 4.34    
Market Share in Customer Deposits %   2.91 2.79 3.08 2.81 2.76    
ratios Unit 2010 2011 2012 2013 2014 2015 2016 2017
ratios                
ROE %   9.68 2.63 4.38 1.22 8.22    
ROA %   0.826 0.227 0.398 0.114 0.792    
Costs (As % Of Assets) %   1.42 1.43 1.56 1.82 1.93    
Costs (As % Of Income) %   66.7 68.8 81.1 85.5 69.1    
Capital Adequacy Ratio %   13.8 12.9 14.7 14.7 16.8    
Tier 1 Ratio %   8.80 8.10 9.70 11.2 13.8    
Net Interest Margin %   1.19 1.07 1.09 0.853 1.10    
Interest Spread % ... 1.01 0.912 0.948 0.688 0.974    
Asset Yield %   3.15 2.75 2.53 2.46 2.27    
Cost Of Liabilities % ... 2.14 1.84 1.58 1.77 1.30    
Interest Income (As % Of Revenues) %   56.0 51.3 56.6 40.1 39.3    
Fee Income (As % Of Revenues) %   14.4 14.3 16.8 15.6 12.0    
Other Income (As % Of Revenues) %   29.6 34.3 26.5 44.3 48.7    
Cost Per Employee USD per month   7,216 6,943 7,317 7,222 6,635    
Cost Per Employee (Local Currency) EUR per month   5,190 5,407 5,512 5,603 5,788    
Staff Cost (As % Of Total Cost) %   52.7 52.9 54.6 51.9 51.3    
Equity (As % Of Assets) %   8.52 8.73 9.46 9.25 10.0    
Loans (As % Of Deposits) %   194 207 176 182 176    
Loans (As % Assets) %   51.4 51.5 52.6 49.7 50.2    
NPLs (As % Of Loans) %   6.03 5.22 4.10 7.60 7.16    
Provisions (As % Of NPLs) %   56.7 83.9 115 60.9 56.5    
Provisions (As % Of Loans) %   3.54 4.58 4.97 4.85 4.22    
Cost of Provisions (As % Of Loans) % ... 0.463 1.47 0.726 0.930 0.322    
other data Unit 2010 2011 2012 2013 2014 2015 2016 2017
other data                
Employees   4,425 4,566 4,989 5,338 5,420    
Sight (As % Of Customer Deposits) %   33.1 36.5 39.5 43.5 45.4    
Risk-Weighted Assets EUR mil ... ... 28,366 26,357 25,169 22,894    

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RLB O's customer loans rose 6.59% to EUR 20,352 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Oberosterreich's customer loans reached EUR 20,352 mil in 2017, up 6.59% 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. Raiffeisenlandesba...

RLB O's customer deposits fell 4.06% to EUR 12,054 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Oberosterreich's customer deposits reached EUR 12,054 mil in 2017, down 4.06% 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. Raiffeise...

RLB O's total revenues rose 5.93% to EUR 973 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Oberosterreich generated total banking revenues of EUR 973 mil in 2017, up 5.93% 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 t...

RLB O's net interest margin fell 8.67% to 0.883% in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Oberosterreich's net interest margin amounted to 0.883% in 2017, down from 0.966% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.19% in 2011 and an all time low of 0.853% in 201...

RLB O's net interest income fell 5.07% to EUR 352 mil in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Oberosterreich generated total banking revenues of EUR 973 mil in 2017, up 5.93% 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 1,06...

RLB O's customer loan growth rose 241% to 6.59% in 2017

By Helgi Analytics - June 10, 2018

Raiffeisenlandesbank Oberosterreich's customer loan growth reached 6.59% in 2017, up from 1.93% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 8.36% in 2011 and an all time low of -3.93% in 2013. In the la...

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Finance

Raiffeisenlandesbank Oberosterreich has been growing its revenues and asset by 3.62% and 0.248% a year on average in the last 5 years. Its loans and deposits have grown by -0.143% and 4.05% a year during that time and loans to deposits ratio reached 169% at the end of 2017. The company achieved an average return on equity of 6.15% in the last five years with net profit growing 40.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 77.8% in 2017, compared to 78.8% average in the last five years.

Equity represented 10.4% of total assets or 20.6% of loans at the end of 2017. Raiffeisenlandesbank Oberosterreich's non-performing loans were 3.09% of total loans while provisions covered some 77.6% of NPLs at the end of 2017.