Raiffeisenlandesbank Tirol

Raiffeisenlandesbank Tirol's customer loans rose 8.52% to EUR 2,611 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Tirol's customer loans reached EUR 2,611 mil in 2017, up 8.52% compared to the previous year. Austrian ban...

Raiffeisenlandesbank Tirol's total revenues fell 14.2% to EUR 78.2 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Tirol generated total banking revenues of EUR 78.2 mil in 2017, down 14.2% compared to the previous year. ...

Raiffeisenlandesbank Tirol's net interest margin fell 10.0% to 0.635% in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenlandesbank Tirol's net interest margin amounted to 0.635% in 2017, down from 0.706% compared to the previous year. ...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 50.9 51.9 46.7
Fee Income (As % Of Revenues) % 23.9 22.7 26.3
Other Income EUR mil 21.0 18.6 10.9
Total Revenues EUR mil 94.5 91.2 78.2
Staff Cost EUR mil 31.8 30.5 33.2
Operating Profit EUR mil 30.3 28.4 12.6
Provisions EUR mil 9.70 5.70 1.40
Net Profit EUR mil 12.4 19.7 14.1
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 2,786 2,785 2,477
Customer Loans EUR mil 2,413 2,406 2,611
Debt Securities EUR mil 1,914 1,791 1,794
Total Assets EUR mil 7,423 7,295 7,427
Shareholders' Equity EUR mil 395 457 481
Interbank Borrowing EUR mil 3,681 3,556 3,762
Customer Deposits EUR mil 1,818 1,874 1,858
Issued Debt Securities EUR mil 1,368 1,312 1,240
Ratios 2015 2016 2017
ROE % 3.18 4.62 3.01
ROA % 0.171 0.268 0.192
Costs (As % Of Assets) % 0.885 0.853 0.891
Costs (As % Of Income) % 67.9 68.8 83.8
Capital Adequacy Ratio % 14.2 15.1 16.4
Net Interest Margin % 0.702 0.706 0.635
Loans (As % Of Deposits) % 133 128 141
NPLs (As % Of Loans) % 6.26 5.69 4.52
Growth Rates 2015 2016 2017
Total Revenue Growth % -12.2 -3.43 -14.2
Operating Cost Growth % -1.83 -2.18 4.46
Operating Profit Growth % -28.3 -6.09 -55.6
Net Profit Growth % -41.0 58.9 -28.4
Customer Loan Growth % 2.55 -0.290 8.52
Total Asset Growth % 4.86 -1.72 1.81
Customer Deposit Growth % 7.07 3.08 -0.854
Shareholders' Equity Growth % 2.60 15.8 5.18
Employees 342 336 348

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summary Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                    
Net Interest Income EUR mil ... ...   57.0 57.7 56.2 54.9 50.9    
Total Revenues EUR mil ... ...   111 110 111 108 94.5    
Operating Profit EUR mil ... ...   44.4 43.1 40.7 42.3 30.3    
Net Profit EUR mil ... ...   17.8 11.2 17.9 21.0 12.4    
balance sheet                    
Interbank Loans EUR mil ... ...   2,831 2,826 2,756 2,595 2,786    
Customer Loans EUR mil ... ...   2,519 2,405 2,353 2,353 2,413    
Debt Securities EUR mil ... ...   1,663 1,503 1,833 1,783 1,914    
Total Assets EUR mil       7,356 7,070 7,299 7,079 7,423    
Shareholders' Equity EUR mil ... ...   360 363 372 385 395    
Interbank Borrowing EUR mil ... ...   3,952 3,506 3,697 3,535 3,681    
Customer Deposits EUR mil ... ...   1,458 1,615 1,621 1,698 1,818    
Issued Debt Securities EUR mil ... ...   1,379 1,388 1,441 1,313 1,368    
ratios                    
ROE % ... ...   5.00 3.10 4.87 5.55 3.18    
ROA % ... ...   0.244 0.155 0.249 0.292 0.171    
Costs (As % Of Assets) % ... ...   0.910 0.932 0.976 0.910 0.885    
Costs (As % Of Income) % ... ...   59.8 60.9 63.3 60.8 67.9    
Capital Adequacy Ratio % ...     11.1 11.8 12.7 13.5 14.2    
Net Interest Margin % ... ...   0.785 0.800 0.782 0.763 0.702    
Interest Income (As % Of Revenues) % ... ...   51.6 52.3 50.7 51.0 53.9    
Fee Income (As % Of Revenues) % ... ...   21.3 20.0 20.2 20.5 23.9    
Staff Cost (As % Of Total Cost) % ... ...   55.4 57.9 55.5 51.8 49.5    
Equity (As % Of Assets) % ... ...   4.90 5.13 5.10 5.44 5.32    
Loans (As % Of Deposits) % ... ...   173 149 145 139 133    
Loans (As % Assets) % ... ...   34.2 34.0 32.2 33.2 32.5    
NPLs (As % Of Loans) % ... ... ... 6.81 6.86 6.97 6.50 6.26    
income statement Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                    
Interest Income EUR mil ... ...   176 158 235 219 182    
Interest Cost EUR mil ... ...   119 99.8 179 164 131    
Net Interest Income EUR mil ... ...   57.0 57.7 56.2 54.9 50.9    
Net Fee Income EUR mil ... ...   23.6 22.1 22.4 22.1 22.6    
Other Income EUR mil ... ...   30.0 30.5 32.2 30.7 21.0    
Total Revenues EUR mil ... ...   111 110 111 108 94.5    
Staff Cost EUR mil ... ...   36.7 38.9 38.9 33.9 31.8    
Depreciation EUR mil ... ...   3.05 2.80 2.60 2.40 2.40    
Other Cost EUR mil ... ...   26.5 25.5 28.6 29.1 30.0    
Operating Cost EUR mil ... ...   66.2 67.2 70.1 65.4 64.2    
Operating Profit EUR mil ... ...   44.4 43.1 40.7 42.3 30.3    
Provisions EUR mil ... ...   20.2 18.3 15.2 15.8 9.70    
Extra and Other Cost EUR mil ... ...   0.001 0.029 -0.120 -0.048 -0.015    
Pre-Tax Profit EUR mil ... ...   24.2 24.8 25.6 26.5 20.6    
Tax EUR mil ... ...   6.44 13.6 7.70 5.50 8.20    
Minorities EUR mil ... ...   0 0 0 0 0    
Net Profit EUR mil ... ...   17.8 11.2 17.9 21.0 12.4    
growth rates                    
Net Interest Income Growth % ... ... ... 2.52 1.22 -2.68 -2.36 -7.23    
Net Fee Income Growth % ... ... ... -2.52 -6.16 1.36 -1.34 2.26    
Total Revenue Growth % ... ... ... 1.48 -0.228 0.409 -2.82 -12.2    
Operating Cost Growth % ... ... ... -0.616 1.56 4.32 -6.70 -1.83    
Operating Profit Growth % ... ... ... 4.78 -2.89 -5.68 3.86 -28.3    
Pre-Tax Profit Growth % ... ... ... 37.3 2.44 3.23 3.52 -22.3    
Net Profit Growth % ... ... ... 18.8 -37.0 59.8 17.3 -41.0    
market share                    
Market Share in Revenues % ... ...   0.575 0.577 0.585 0.540 0.454    
Market Share in Net Profit % ... ...   1.49 0.348 -1.91 -0.314 0.333    
Market Share in Employees % ... ...   0.585 0.585 0.557 0.504 0.466    
Market Share in Branches % ... ... ... ... ... ... ... 6.01 ... ...
balance sheet Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                    
Cash EUR mil ... ...   18.5 20.7 25.6 16.9 17.9    
Interbank Loans EUR mil ... ...   2,831 2,826 2,756 2,595 2,786    
Customer Loans EUR mil ... ...   2,519 2,405 2,353 2,353 2,413    
Debt Securities EUR mil ... ...   1,663 1,503 1,833 1,783 1,914    
Fixed Assets EUR mil ... ...   45.7 44.9 41.9 40.4 38.3    
Total Assets EUR mil       7,356 7,070 7,299 7,079 7,423    
Shareholders' Equity EUR mil ... ...   360 363 372 385 395    
Of Which Minority Interest EUR mil ... ...   0 0 0 0 0    
Liabilities EUR mil ... ...   6,996 6,707 6,927 6,694 7,028    
Interbank Borrowing EUR mil ... ...   3,952 3,506 3,697 3,535 3,681    
Customer Deposits EUR mil ... ...   1,458 1,615 1,621 1,698 1,818    
Issued Debt Securities EUR mil ... ...   1,379 1,388 1,441 1,313 1,368    
Other Liabilities EUR mil ... ...   206 198 168 148 161    
growth rates                    
Customer Loan Growth % ... ... ... -2.30 -4.51 -2.16 0 2.55    
Total Asset Growth % ...     2.42 -3.89 3.24 -3.01 4.86    
Shareholders' Equity Growth % ... ... ... 2.64 0.800 2.48 3.49 2.60    
Customer Deposit Growth % ... ... ... 3.86 10.8 0.372 4.75 7.07    
market share                    
Market Share in Customer Loans % ... ...   0.564 0.545 0.543 0.552 0.561    
Market Share in Total Assets %       0.725 0.720 0.787 0.790 0.864    
Market Share in Customer Deposits % ... ...   0.419 0.456 0.447 0.454 0.472    
ratios Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                    
ROE % ... ...   5.00 3.10 4.87 5.55 3.18    
ROA % ... ...   0.244 0.155 0.249 0.292 0.171    
Costs (As % Of Assets) % ... ...   0.910 0.932 0.976 0.910 0.885    
Costs (As % Of Income) % ... ...   59.8 60.9 63.3 60.8 67.9    
Capital Adequacy Ratio % ...     11.1 11.8 12.7 13.5 14.2    
Tier 1 Ratio % ... ... ... ... ... ... 12.5 13.1 ... ...
Net Interest Margin % ... ...   0.785 0.800 0.782 0.763 0.702    
Interest Spread % ... ... ... 0.700 0.727 0.648 0.636 0.599    
Asset Yield % ... ...   2.43 2.18 3.27 3.04 2.51    
Cost Of Liabilities % ... ... ... 1.73 1.46 2.62 2.40 1.92    
Interest Income (As % Of Revenues) % ... ...   51.6 52.3 50.7 51.0 53.9    
Fee Income (As % Of Revenues) % ... ...   21.3 20.0 20.2 20.5 23.9    
Other Income (As % Of Revenues) % ... ...   27.1 27.6 29.1 28.5 22.2    
Cost Per Employee USD per month ... ...   9,305 9,196 10,164 9,742 8,893    
Cost Per Employee (Local Currency) EUR per month ... ...   6,693 7,162 7,656 7,558 7,758    
Staff Cost (As % Of Total Cost) % ... ...   55.4 57.9 55.5 51.8 49.5    
Equity (As % Of Assets) % ... ...   4.90 5.13 5.10 5.44 5.32    
Loans (As % Of Deposits) % ... ...   173 149 145 139 133    
Loans (As % Assets) % ... ...   34.2 34.0 32.2 33.2 32.5    
NPLs (As % Of Loans) % ... ... ... 6.81 6.86 6.97 6.50 6.26    
Cost of Provisions (As % Of Loans) % ... ...   0.793 0.743 0.639 0.671 0.412    
other data Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                    
Branches ... ... ... ... ... ... ... 246 ... ...
Employees ... ...   457 453 423 374 342    

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Raiffeisenlandesbank Tirol's customer deposits fell 0.854% to EUR 1,858 mil in 2017

By Helgi Analytics - September 29, 2018

Raiffeisenlandesbank Tirol's customer deposits reached EUR 1,858 mil in 2017, down 0.854% 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. Raiffeisenlandesba...

Raiffeisenlandesbank Tirol's net interest income fell 10.0% to EUR 46.7 mil in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenlandesbank Tirol generated total banking revenues of EUR 78.2 mil in 2017, down 14.2% 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 111 mil in...

Raiffeisenlandesbank Tirol's net profit fell 28.4% to EUR 14.1 mil in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenlandesbank Tirol made a net profit of EUR 14.1 mil in 2017, down 28.4% compared to the previous year. This implies a return on equity of 3.01%. Historically, the bank’s net profit reached an all time high of EUR 21.0 mil in 2014 and an all time low of...

Raiffeisenlandesbank Tirol's customer loan growth rose 3,037% to 8.52% in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenlandesbank Tirol's customer loan growth reached 8.52% in 2017, up from -0.290% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 8.52% in 2017 and an all time low of -4.51% in 2012. In the last deca...

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Finance

Raiffeisenlandesbank Tirol has been growing its revenues and asset by -10.1% and 1.61% a year on average in the last 3 years. Its loans and deposits have grown by 3.53% and 3.05% a year during that time and loans to deposits ratio reached 141% at the end of 2017. The company achieved an average return on equity of 3.60% in the last three years with net profit growing -12.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 83.8% in 2017, compared to 73.5% average in the last three years.

Equity represented 6.48% of total assets or 18.4% of loans at the end of 2017. Raiffeisenlandesbank Tirol's non-performing loans were 4.52% of total loans while provisions covered some of NPLs at the end of 2017.