Raiffeisenverband Salzburg

Raiffeisenverband Salzburg's customer deposits rose 7.01% to EUR 2,866 mil in 2017

By Helgi Analytics - September 28, 2018

Raiffeisenverband Salzburg's customer deposits reached EUR 2,866 mil in 2017, up 7.01% compared to the previous year. Austrian ...

Raiffeisenverband Salzburg's customer loans rose 2.83% to EUR 3,283 mil in 2017

By Helgi Analytics - September 28, 2018

Raiffeisenverband Salzburg's customer loans reached EUR 3,283 mil in 2017, up 2.83% compared to the previous year. Austrian ban...

Raiffeisenverband Salzburg's net profit rose 58.4% to EUR 23.5 mil in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenverband Salzburg made a net profit of EUR 23.5 mil in 2017, up 58.4% compared to the previous year. This implies a ret...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 55.7 58.0 53.9
Fee Income (As % Of Revenues) % 19.7 19.0 18.9
Other Income EUR mil 89.1 92.1 99.8
Total Revenues EUR mil 180 185 189
Staff Cost EUR mil 95.6 96.4 96.8
Operating Profit EUR mil 37.1 42.6 44.2
Provisions EUR mil 18.0 15.7 17.5
Net Profit EUR mil 9.59 14.8 23.5
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 1,679 2,184 2,381
Customer Loans EUR mil 3,023 3,193 3,283
Debt Securities EUR mil 868 929 975
Total Assets EUR mil 6,286 7,016 7,410
Shareholders' Equity EUR mil 528 542 580
Interbank Borrowing EUR mil 2,260 2,630 2,552
Customer Deposits EUR mil 2,331 2,679 2,866
Issued Debt Securities EUR mil 1,024 998 1,257
Ratios 2015 2016 2017
ROE % 1.83 2.77 4.19
ROA % 0.154 0.223 0.326
Costs (As % Of Assets) % 2.29 2.14 2.02
Costs (As % Of Income) % 79.4 77.0 76.7
Capital Adequacy Ratio % 14.7 14.2 14.7
Net Interest Margin % 0.893 0.872 0.747
Loans (As % Of Deposits) % 130 119 115
Growth Rates 2015 2016 2017
Total Revenue Growth % -7.32 2.81 2.30
Operating Cost Growth % -0.442 -0.315 1.92
Operating Profit Growth % -26.8 14.9 3.56
Net Profit Growth % 40.8 54.7 58.4
Customer Loan Growth % 4.26 5.61 2.83
Total Asset Growth % 1.54 11.6 5.62
Customer Deposit Growth % 8.46 14.9 7.01
Shareholders' Equity Growth % 2.11 2.55 7.05
Employees 1,651 1,622 1,658

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summary Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                    
Net Interest Income EUR mil       58.8 57.9 58.8 55.5 55.7    
Total Revenues EUR mil       196 208 209 194 180    
Operating Profit EUR mil       54.0 53.4 57.6 50.7 37.1    
Net Profit EUR mil       24.4 24.4 34.1 6.81 9.59    
balance sheet                    
Interbank Loans EUR mil       2,096 1,987 1,705 1,613 1,679    
Customer Loans EUR mil       3,285 3,259 3,238 2,900 3,023    
Debt Securities EUR mil       1,870 1,641 1,093 972 868    
Total Assets EUR mil       7,976 7,608 6,715 6,191 6,286    
Shareholders' Equity EUR mil       473 422 453 517 528    
Interbank Borrowing EUR mil       3,236 3,206 2,423 2,291 2,260    
Customer Deposits EUR mil       3,103 2,782 2,482 2,149 2,331    
Issued Debt Securities EUR mil       1,023 980 1,142 1,071 1,024    
ratios                    
ROE %       5.75 5.44 7.79 1.40 1.83    
ROA %       0.306 0.313 0.476 0.106 0.154    
Costs (As % Of Assets) %       1.77 1.99 2.12 2.23 2.29    
Costs (As % Of Income) %       72.4 74.4 72.5 73.9 79.4    
Capital Adequacy Ratio % ... ...   12.8 13.7 15.0 15.4 14.7    
Net Interest Margin %       0.735 0.743 0.821 0.861 0.893    
Interest Income (As % Of Revenues) %       30.0 27.8 28.1 28.6 30.9    
Fee Income (As % Of Revenues) %       21.3 20.0 18.9 18.1 19.7    
Staff Cost (As % Of Total Cost) %       64.4 66.2 65.7 67.5 66.9    
Equity (As % Of Assets) %       5.93 5.55 6.75 8.36 8.40    
Loans (As % Of Deposits) %       106 117 130 135 130    
Loans (As % Assets) %       41.2 42.8 48.2 46.8 48.1    
income statement Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                    
Interest Income EUR mil       167 152 125 111 99.5    
Interest Cost EUR mil       108 94.6 65.9 55.6 43.8    
Net Interest Income EUR mil       58.8 57.9 58.8 55.5 55.7    
Net Fee Income EUR mil       41.8 41.8 39.6 35.1 35.4    
Other Income EUR mil       95.2 109 111 104 89.1    
Total Revenues EUR mil       196 208 209 194 180    
Staff Cost EUR mil       91.3 103 99.6 96.9 95.6    
Depreciation EUR mil       10.0 10.7 10.8 11.0 11.1    
Other Cost EUR mil       40.5 41.7 41.3 35.8 36.3    
Operating Cost EUR mil       142 155 152 144 143    
Operating Profit EUR mil       54.0 53.4 57.6 50.7 37.1    
Provisions EUR mil       24.6 24.1 17.5 38.5 18.0    
Extra and Other Cost EUR mil       0 -0.505 0.001 -0.001 -0.011    
Pre-Tax Profit EUR mil       29.4 29.9 40.1 12.2 19.2    
Tax EUR mil       4.91 5.50 6.01 5.41 9.57    
Minorities EUR mil       0 0 0 0 0    
Net Profit EUR mil       24.4 24.4 34.1 6.81 9.59    
growth rates                    
Net Interest Income Growth % ...     7.29 -1.47 1.55 -5.57 0.297    
Net Fee Income Growth % ...     -4.56 0.012 -5.25 -11.3 0.900    
Total Revenue Growth % ...     1.91 6.49 0.401 -7.10 -7.32    
Operating Cost Growth % ...     2.80 9.33 -2.15 -5.26 -0.442    
Operating Profit Growth % ...     -0.375 -0.988 7.82 -11.9 -26.8    
Pre-Tax Profit Growth % ...     32.3 1.76 34.3 -69.5 56.8    
Net Profit Growth % ...     18.7 -0.299 39.9 -80.0 40.8    
market share                    
Market Share in Revenues %       1.02 1.09 1.10 0.975 0.866    
Market Share in Net Profit %       2.05 0.758 -3.65 -0.102 0.258    
Market Share in Employees %       2.23 2.29 2.32 2.27 2.25    
balance sheet Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                    
Cash EUR mil       18.7 21.3 22.6 17.8 47.7    
Interbank Loans EUR mil       2,096 1,987 1,705 1,613 1,679    
Customer Loans EUR mil       3,285 3,259 3,238 2,900 3,023    
Debt Securities EUR mil       1,870 1,641 1,093 972 868    
Fixed Assets EUR mil       172 175 174 198 204    
Total Assets EUR mil       7,976 7,608 6,715 6,191 6,286    
Shareholders' Equity EUR mil       473 422 453 517 528    
Of Which Minority Interest EUR mil       0 0 0 0.073 0.073    
Liabilities EUR mil       7,503 7,185 6,262 5,674 5,758    
Interbank Borrowing EUR mil       3,236 3,206 2,423 2,291 2,260    
Customer Deposits EUR mil       3,103 2,782 2,482 2,149 2,331    
Issued Debt Securities EUR mil       1,023 980 1,142 1,071 1,024    
Other Liabilities EUR mil       141 218 214 163 142    
growth rates                    
Customer Loan Growth % ...     5.70 -0.765 -0.649 -10.5 4.26    
Total Asset Growth % ...     -0.592 -4.62 -11.7 -7.80 1.54    
Shareholders' Equity Growth % ...     25.2 -10.7 7.24 14.2 2.11    
Customer Deposit Growth % ...     25.7 -10.3 -10.8 -13.4 8.46    
market share                    
Market Share in Customer Loans %       0.736 0.739 0.747 0.681 0.703    
Market Share in Total Assets %       0.786 0.775 0.724 0.691 0.732    
Market Share in Customer Deposits %       0.891 0.786 0.684 0.575 0.605    
ratios Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                    
ROE %       5.75 5.44 7.79 1.40 1.83    
ROA %       0.306 0.313 0.476 0.106 0.154    
Costs (As % Of Assets) %       1.77 1.99 2.12 2.23 2.29    
Costs (As % Of Income) %       72.4 74.4 72.5 73.9 79.4    
Capital Adequacy Ratio % ... ...   12.8 13.7 15.0 15.4 14.7    
Tier 1 Ratio % ... ...   8.60 9.30 10.2 11.4 11.4    
Net Interest Margin %       0.735 0.743 0.821 0.861 0.893    
Interest Spread % ...     0.659 0.669 0.761 0.791 0.829    
Asset Yield %       2.08 1.96 1.74 1.72 1.60    
Cost Of Liabilities % ...     1.42 1.29 0.980 0.932 0.767    
Interest Income (As % Of Revenues) %       30.0 27.8 28.1 28.6 30.9    
Fee Income (As % Of Revenues) %       21.3 20.0 18.9 18.1 19.7    
Other Income (As % Of Revenues) %       48.6 52.2 53.0 53.4 49.4    
Cost Per Employee USD per month       6,063 6,185 6,245 6,183 5,533    
Cost Per Employee (Local Currency) EUR per month       4,360 4,817 4,704 4,797 4,827    
Staff Cost (As % Of Total Cost) %       64.4 66.2 65.7 67.5 66.9    
Equity (As % Of Assets) %       5.93 5.55 6.75 8.36 8.40    
Loans (As % Of Deposits) %       106 117 130 135 130    
Loans (As % Assets) %       41.2 42.8 48.2 46.8 48.1    
Cost of Provisions (As % Of Loans) %       0.770 0.735 0.538 1.25 0.620    
other data Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                    
Employees       1,744 1,774 1,764 1,684 1,651    

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Raiffeisenverband Salzburg's total revenues rose 2.30% to EUR 189 mil in 2017

By Helgi Analytics - September 28, 2018

Raiffeisenverband Salzburg generated total banking revenues of EUR 189 mil in 2017, up 2.30% 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 last y...

Raiffeisenverband Salzburg's net interest margin fell 14.3% to 0.747% in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenverband Salzburg's net interest margin amounted to 0.747% in 2017, down from 0.872% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.893% in 2015 and an all time low of 0.690% in 2010. T...

Raiffeisenverband Salzburg's capital adequacy ratio rose 3.52% to 14.7% in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenverband Salzburg's capital adequacy ratio reached 14.7% at the end of 2017, up from 14.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.4% in 2014 and an all time low of 12.2% in 2010. The Tier 1 ra...

Raiffeisenverband Salzburg's net interest income fell 7.11% to EUR 53.9 mil in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenverband Salzburg generated total banking revenues of EUR 189 mil in 2017, up 2.3% 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 209 mil in 201...

Raiffeisenverband Salzburg's customer loan growth fell 49.6% to 2.83% in 2017

By Helgi Analytics - June 12, 2018

Raiffeisenverband Salzburg's customer loan growth reached 2.83% in 2017, down from 5.61% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 7.80% in 2010 and an all time low of -10.5% in 2014. In the last deca...

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Finance

Raiffeisenverband Salzburg has been growing its revenues and asset by -0.849% and 6.17% a year on average in the last 3 years. Its loans and deposits have grown by 4.23% and 10.1% a year during that time and loans to deposits ratio reached 115% at the end of 2017. The company achieved an average return on equity of 2.93% in the last three years with net profit growing 51.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 76.7% in 2017, compared to 77.7% average in the last three years.

Equity represented 7.83% of total assets or 17.7% of loans at the end of 2017. Raiffeisenverband Salzburg's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.