Raiffeisenlandesbank Steiermark

RLB Steiermark's net profit rose 1,031% to EUR 295 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark made a net profit of EUR 295 mil in 2017, up 1,031% compared to the previous year. This implies ...

RLB Steiermark's npls (as % of loans) fell 21.0% to 5.08% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's non-performing loans reached 5.08% of total loans at the end of 2017, down from 6.43% compared ...

RLB Steiermark's capital adequacy ratio rose 12.8% to 21.2% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's capital adequacy ratio reached 21.2% at the end of 2017, up from 18.8% compared to the previous...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 140 131 111
Fee Income (As % Of Revenues) % 14.8 21.0 17.2
Other Income EUR mil 83.2 5.90 69.4
Total Revenues EUR mil 262 173 218
Staff Cost EUR mil 89.4 86.6 87.7
Operating Profit EUR mil 92.4 14.7 59.1
Provisions EUR mil -10.5 -45.3 -5.01
Net Profit EUR mil 152 26.1 295
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 2,850 2,815 2,284
Customer Loans EUR mil 5,290 5,464 5,826
Debt Securities EUR mil 4,728 5,583 5,295
Total Assets EUR mil 14,046 14,962 14,715
Shareholders' Equity EUR mil 1,239 1,275 1,497
Interbank Borrowing EUR mil 3,659 4,013 4,433
Customer Deposits EUR mil 2,644 2,938 2,930
Issued Debt Securities EUR mil 1,739 2,537 2,863
Ratios 2015 2016 2017
ROE % 12.7 2.07 21.3
ROA % 1.07 0.180 1.99
Costs (As % Of Assets) % 1.20 1.09 1.07
Costs (As % Of Income) % 64.8 91.5 72.9
Capital Adequacy Ratio % 16.7 18.8 21.2
Net Interest Margin % 0.992 0.902 0.748
Loans (As % Of Deposits) % 200 186 199
NPLs (As % Of Loans) % 9.18 6.43 5.08
Provisions (As % Of NPLs) % 60.9 68.7 72.0
Growth Rates 2015 2016 2017
Total Revenue Growth % 0.878 -33.9 25.8
Operating Cost Growth % -8.42 -6.60 0.121
Operating Profit Growth % 24.0 -84.1 303
Net Profit Growth % 2,807 -82.8 1,031
Customer Loan Growth % -0.032 3.30 6.63
Total Asset Growth % -1.18 6.52 -1.65
Customer Deposit Growth % 5.09 11.1 -0.276
Shareholders' Equity Growth % 7.19 2.89 17.4
Employees 963 926 896

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summary Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                  
Net Interest Income EUR mil     112 109 109 109 140    
Total Revenues EUR mil     214 239 133 260 262    
Operating Profit EUR mil     52.6 75.5 -38.4 74.5 92.4    
Net Profit EUR mil     73.7 -7.23 -39.8 5.21 152    
balance sheet                  
Interbank Loans EUR mil     1,677 2,017 2,680 2,785 2,850    
Customer Loans EUR mil     6,079 5,850 5,529 5,291 5,290    
Debt Securities EUR mil     4,487 4,860 4,915 4,990 4,728    
Total Assets EUR mil     14,432 14,996 14,558 14,214 14,046    
Shareholders' Equity EUR mil     1,349 1,444 1,329 1,156 1,239    
Interbank Borrowing EUR mil     3,248 3,598 3,305 3,475 3,659    
Customer Deposits EUR mil     2,221 2,357 2,517 2,516 2,644    
Issued Debt Securities EUR mil     1,039 1,027 1,364 1,628 1,739    
ratios                  
ROE %     6.61 -0.518 -2.87 0.420 12.7    
ROA %     0.614 -0.049 -0.269 0.036 1.07    
Costs (As % Of Assets) %     1.34 1.11 1.16 1.29 1.20    
Costs (As % Of Income) %     75.4 68.4 129 71.3 64.8    
Capital Adequacy Ratio % ... ... 12.2 12.5 15.6 14.2 16.7    
Net Interest Margin %     0.933 0.744 0.736 0.756 0.992    
Interest Income (As % Of Revenues) %     52.3 45.8 82.0 41.9 53.4    
Fee Income (As % Of Revenues) %     16.0 14.3 27.0 14.2 14.8    
Staff Cost (As % Of Total Cost) % ... ... 53.0 53.7 50.2 47.7 52.7    
Equity (As % Of Assets) %     9.35 9.63 9.13 8.13 8.82    
Loans (As % Of Deposits) %     274 248 220 210 200    
Loans (As % Assets) %     42.1 39.0 38.0 37.2 37.7    
NPLs (As % Of Loans) % ... ... 6.48 7.92 10.5 10.5 9.18    
Provisions (As % Of NPLs) % ... ... 68.3 75.5 65.8 66.2 60.9    
income statement Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                  
Interest Income EUR mil     377 381 365 348 347    
Interest Cost EUR mil     265 271 256 240 207    
Net Interest Income EUR mil     112 109 109 109 140    
Net Fee Income EUR mil     34.3 34.2 35.9 36.9 38.9    
Other Income EUR mil     67.6 95.3 -12.0 114 83.2    
Total Revenues EUR mil     214 239 133 260 262    
Staff Cost EUR mil ... ... 85.5 87.7 85.9 88.4 89.4    
Depreciation EUR mil ... ... 15.6 15.5 16.3 19.2 17.3    
Other Cost EUR mil ... ... 60.2 60.3 68.9 77.8 63.0    
Operating Cost EUR mil     161 163 171 185 170    
Operating Profit EUR mil     52.6 75.5 -38.4 74.5 92.4    
Provisions EUR mil     26.3 130 90.0 32.8 -10.5    
Extra and Other Cost EUR mil     -87.7 -68.7 -64.4 49.5 -52.2    
Pre-Tax Profit EUR mil     114 14.3 -64.1 -7.80 155    
Tax EUR mil     33.9 13.5 -25.2 -12.8 2.62    
Minorities EUR mil     6.31 7.98 0.860 -0.161 0.896    
Net Profit EUR mil     73.7 -7.23 -39.8 5.21 152    
growth rates                  
Net Interest Income Growth % ...   113 -2.18 -0.605 -0.005 28.8    
Net Fee Income Growth % ...   36.5 -0.277 4.82 2.83 5.36    
Total Revenue Growth % ...   69.1 11.7 -44.5 95.8 0.878    
Operating Cost Growth % ...   85.0 1.32 4.68 8.35 -8.42    
Operating Profit Growth % ...   33.7 43.7 -151 -294 24.0    
Pre-Tax Profit Growth % ...   152 -87.5 -548 -87.8 -2,089    
Net Profit Growth % ...   514 -110 450 -113 2,807    
market share                  
Market Share in Revenues %     1.11 1.25 0.700 1.30 1.26    
Market Share in Net Profit %     6.17 -0.225 4.25 -0.078 4.07    
Market Share in Employees % ... ... 0.032 0.032 1.29 1.31 1.31    
Market Share in Branches % ... ... 22.3 22.5 0.551 0.542 0.513    
balance sheet Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                  
Cash EUR mil     277 194 78.7 41.1 47.2    
Interbank Loans EUR mil     1,677 2,017 2,680 2,785 2,850    
Customer Loans EUR mil     6,079 5,850 5,529 5,291 5,290    
Debt Securities EUR mil     4,487 4,860 4,915 4,990 4,728    
Fixed Assets EUR mil     81.9 100 181 172 160    
Total Assets EUR mil     14,432 14,996 14,558 14,214 14,046    
Shareholders' Equity EUR mil     1,349 1,444 1,329 1,156 1,239    
Of Which Minority Interest EUR mil     90.5 92.3 89.3 54.8 55.9    
Liabilities EUR mil     13,082 13,552 13,229 13,058 12,807    
Interbank Borrowing EUR mil     3,248 3,598 3,305 3,475 3,659    
Customer Deposits EUR mil     2,221 2,357 2,517 2,516 2,644    
Sight Deposits EUR mil ... ... 1,169 1,342 1,398 1,375 1,487    
Term Deposits EUR mil ... ... 1,052 1,015 1,118 1,142 1,158    
Issued Debt Securities EUR mil     1,039 1,027 1,364 1,628 1,739    
Other Liabilities EUR mil     6,575 6,571 6,043 5,439 4,765    
asset quality                  
Non-Performing Loans EUR mil ... ... 412 493 624 596 514    
Gross Loans EUR mil ... ... 6,360 6,222 5,939 5,686 5,603    
Total Provisions EUR mil ... ... 281 372 410 395 313    
growth rates                  
Customer Loan Growth % ...   90.4 -3.77 -5.48 -4.29 -0.032    
Total Asset Growth % ...   50.9 3.91 -2.92 -2.36 -1.18    
Shareholders' Equity Growth % ...   53.3 7.00 -7.97 -13.0 7.19    
Customer Deposit Growth % ...   46.1 6.14 6.77 -0.013 5.09    
market share                  
Market Share in Customer Loans %     1.36 1.33 1.28 1.24 1.23    
Market Share in Total Assets %     1.42 1.53 1.57 1.59 1.63    
Market Share in Customer Deposits %     0.638 0.666 0.694 0.673 0.686    
ratios Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                  
ROE %     6.61 -0.518 -2.87 0.420 12.7    
ROA %     0.614 -0.049 -0.269 0.036 1.07    
Costs (As % Of Assets) %     1.34 1.11 1.16 1.29 1.20    
Costs (As % Of Income) %     75.4 68.4 129 71.3 64.8    
Capital Adequacy Ratio % ... ... 12.2 12.5 15.6 14.2 16.7    
Tier 1 Ratio % ... ... 10.5 10.7 14.2 13.2 15.8    
Net Interest Margin %     0.933 0.744 0.736 0.756 0.992    
Interest Spread % ...   0.707 0.551 0.557 0.599 0.856    
Asset Yield %     3.14 2.59 2.47 2.42 2.46    
Cost Of Liabilities % ...   2.43 2.04 1.91 1.82 1.60    
Interest Income (As % Of Revenues) %     52.3 45.8 82.0 41.9 53.4    
Fee Income (As % Of Revenues) %     16.0 14.3 27.0 14.2 14.8    
Other Income (As % Of Revenues) %     31.6 39.9 -9.03 43.9 31.7    
Cost Per Employee USD per month ... ... 396,282 375,422 9,667 9,750 8,870    
Cost Per Employee (Local Currency) EUR per month ... ... 285,013 292,397 7,282 7,564 7,738    
Staff Cost (As % Of Total Cost) % ... ... 53.0 53.7 50.2 47.7 52.7    
Equity (As % Of Assets) %     9.35 9.63 9.13 8.13 8.82    
Loans (As % Of Deposits) %     274 248 220 210 200    
Loans (As % Assets) %     42.1 39.0 38.0 37.2 37.7    
NPLs (As % Of Loans) % ... ... 6.48 7.92 10.5 10.5 9.18    
Provisions (As % Of NPLs) % ... ... 68.3 75.5 65.8 66.2 60.9    
Provisions (As % Of Loans) % ... ... 4.63 6.36 7.42 7.46 5.92    
Cost of Provisions (As % Of Loans) %     0.567 2.18 1.58 0.606 -0.198    
other data Unit 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                  
Branches ... ... 987 1,002 24.0 23.0 21.0    
Employees ... ... 25.0 25.0 983 974 963    
Sight (As % Of Customer Deposits) % ... ... 52.6 56.9 55.6 54.6 56.2    

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RLB Steiermark's customer deposits fell 0.276% to EUR 2,930 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's customer deposits reached EUR 2,930 mil in 2017, down 0.276% 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. Raiffeisenlan...

RLB Steiermark's net interest margin fell 17.1% to 0.748% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's net interest margin amounted to 0.748% in 2017, down from 0.902% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.992% in 2015 and an all time low of 0.555% in 2010. ...

RLB Steiermark's employees fell 3.24% to 896 in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark employed 896 persons in 2017, down 3.24% when compared to the previous year. Historically, the bank's workforce hit an all time high of 983 persons in 2013 and an all time low of 25.0 in 2011. Average cost reached USD 9,156 per mont...

RLB Steiermark's customer loans rose 6.63% to EUR 5,826 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's customer loans reached EUR 5,826 mil in 2017, up 6.63% 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. Raiffeisenlandesbank St...

RLB Steiermark's total revenues rose 25.8% to EUR 218 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark generated total banking revenues of EUR 218 mil in 2017, up 25.8% 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 the l...

RLB Steiermark's costs (as % of assets) fell 2.13% to 1.07% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's cost to income ratio reached 72.9% in 2017, down from 91.5% compared to the previous year. Historically, the bank’s costs reached an all time high of 129% of income in 2013 and an all time low of 64.8% in 2015. When compar...

RLB Steiermark's net interest income fell 15.2% to EUR 111 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark generated total banking revenues of EUR 218 mil in 2017, up 25.8% 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 262 mil ...

RLB Steiermark's customer loan growth rose 101% to 6.63% in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Steiermark's customer loan growth reached 6.63% in 2017, up from 3.30% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 90.4% in 2011 and an all time low of -5.48% in 2013. In the last d...

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Finance

Raiffeisenlandesbank Steiermark has been growing its revenues and asset by -1.83% and -0.378% a year on average in the last 5 years. Its loans and deposits have grown by -0.080% and 4.45% a year during that time and loans to deposits ratio reached 199% at the end of 2017. The company achieved an average return on equity of 6.71% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 72.9% in 2017, compared to 85.9% average in the last five years.

Equity represented 10.2% of total assets or 25.7% of loans at the end of 2017. Raiffeisenlandesbank Steiermark's non-performing loans were 5.08% of total loans while provisions covered some 72.0% of NPLs at the end of 2017.