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Raiffeisen Bank Hungary

Raiffeisen Hungary's npls (as % of loans) fell 49.6% to 7.02% in 2017

By Helgi Library - September 28, 2018

Raiffeisen Bank Hungary's non-performing loans reached 7.02% of total loans at the end of 2017, down from 13.9% compared to the p...

Raiffeisen Hungary's npls (as % of loans) fell 49.6% to 7.02% in 2017

By Helgi Library - September 28, 2018

Raiffeisen Bank Hungary's non-performing loans reached 7.02% of total loans at the end of 2017, down from 13.9% compared to the p...

Raiffeisen Hungary's net interest margin rose 15.0% to 1.86% in 2017

By Helgi Library - September 28, 2018

Raiffeisen Bank Hungary's net interest margin amounted to 1.86% in 2017, up from 1.62% compared to the previous year. Hist...

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Annual Quarterly LTM

Profit Statement		2015	2016	2017
Net Interest Income	HUF mil	38,524	32,108	38,930
Net Fee Income	HUF mil	33,172	32,009	34,118
Other Income	HUF mil	14,751	17,916	16,765
Total Revenues	HUF mil	86,447	82,033	89,813
Staff Cost	HUF mil	23,218	23,221	24,106
Operating Profit	HUF mil	20,114	18,519	22,698
Provisions	HUF mil	11,258	508	-9,411
Net Profit	HUF mil	9,984	15,015	30,508

Balance Sheet		2015	2016	2017
Interbank Loans	HUF mil	59,194	250,536	227,251
Customer Loans	HUF mil	914,198	835,104	900,551
Total Assets	HUF mil	1,965,800	1,994,330	2,180,860
Shareholders' Equity	HUF mil	156,286	174,625	206,188
Interbank Borrowing	HUF mil	274,544	263,782	288,219
Customer Deposits	HUF mil	1,293,680	1,325,350	1,501,170
Issued Debt Securities	HUF mil	124,779	98,339	80,166

Ratios		2015	2016	2017
ROE	%	7.78	9.07	16.0
ROA	%	0.493	0.758	1.46
Costs (As % Of Assets)	%	3.27	3.21	3.21
Costs (As % Of Income)	%	76.7	77.4	74.7
Capital Adequacy Ratio	%	24.3	19.3	22.8
Net Interest Margin	%	1.90	1.62	1.86
Loans (As % Of Deposits)	%	70.7	63.0	60.0
NPLs (As % Of Loans)	%	21.4	13.9	7.02
Provisions (As % Of NPLs)	%	71.9	75.9	80.0

Growth Rates		2015	2016	2017
Total Revenue Growth	%	-12.4	-5.11	9.48
Operating Cost Growth	%	-31.9	-4.25	5.67
Operating Profit Growth	%	1,631	-7.93	22.6
Net Profit Growth	%	-109	50.4	103
Customer Loan Growth	%	-18.7	-8.65	7.84
Total Asset Growth	%	-5.83	1.45	9.35
Customer Deposit Growth	%	-2.36	2.45	13.3
Shareholders' Equity Growth	%	55.8	11.7	18.1
Employees		2,474	2,125	2,089

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summary	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	HUF mil													58,480	43,943	44,852	44,172	38,524
Total Revenues	HUF mil													126,371	81,365	95,410	98,636	86,447
Operating Profit	HUF mil													14,067	5,813	1,596	1,162	20,114
Net Profit	HUF mil													-84,955	-56,831	-39,077	-112,188	9,984
balance sheet
Interbank Loans	HUF mil													99,777	32,795	27,733	31,531	59,194
Customer Loans	HUF mil													1,526,240	1,285,540	1,224,250	1,123,830	914,198
Debt Securities	HUF mil													482,815	577,977	417,749	330,138	424,762
Total Assets	HUF mil													2,300,270	2,101,040	1,851,490	2,087,530	1,965,800
Shareholders' Equity	HUF mil													160,904	115,665	114,402	100,334	156,286
Interbank Borrowing	HUF mil													318,070	243,145	225,960	314,479	274,544
Customer Deposits	HUF mil													1,434,540	1,436,550	1,228,780	1,324,950	1,293,680
Issued Debt Securities	HUF mil													185,802	198,160	241,069	272,814	124,779
ratios
ROE	%													-54.4	-41.1	-34.0	-104	7.78
ROA	%													-3.64	-2.58	-1.98	-5.70	0.493
Costs (As % Of Assets)	%													4.81	3.43	4.75	4.95	3.27
Costs (As % Of Income)	%													88.9	92.9	98.3	98.8	76.7
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	11.1	9.19	11.2	19.3	24.3
Net Interest Margin	%													2.51	2.00	2.27	2.24	1.90
Interest Income (As % Of Revenues)	%													46.3	54.0	47.0	44.8	44.6
Fee Income (As % Of Revenues)	%													16.7	21.8	31.7	33.8	38.4
Staff Cost (As % Of Total Cost)	%													25.2	33.5	27.5	24.4	35.0
Equity (As % Of Assets)	%													7.00	5.51	6.18	4.81	7.95
Loans (As % Of Deposits)	%													106	89.5	99.6	84.8	70.7
Loans (As % Assets)	%													66.4	61.2	66.1	53.8	46.5
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...						22.6	27.5	29.3	28.2	21.4
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...						62.4	61.1	64.5	85.2	71.9
valuation
Book Value Per Share Growth	%	...												-17.0	-24.9	2.07	-1.52	-12.8

income statement	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	HUF mil													148,168	137,143	106,119	83,273	67,177
Interest Cost	HUF mil													89,688	93,200	61,267	39,101	28,653
Net Interest Income	HUF mil													58,480	43,943	44,852	44,172	38,524
Net Fee Income	HUF mil													21,049	17,770	30,233	33,386	33,172
Other Income	HUF mil													46,842	19,652	20,325	21,078	14,751
Total Revenues	HUF mil													126,371	81,365	95,410	98,636	86,447
Staff Cost	HUF mil													28,322	25,285	25,769	23,742	23,218
Depreciation	HUF mil													10,545	8,166	6,962	7,184	4,600
Other Cost	HUF mil													73,437	42,101	61,083	66,548	38,515
Operating Cost	HUF mil													112,304	75,552	93,814	97,474	66,333
Operating Profit	HUF mil													14,067	5,813	1,596	1,162	20,114
Provisions	HUF mil													105,862	61,901	40,154	115,112	11,258
Extra and Other Cost	HUF mil													0	0	0	0	-1,672
Pre-Tax Profit	HUF mil													-91,795	-56,088	-38,558	-113,950	10,528
Tax	HUF mil													-2,913	861	660	3,738	250
Minorities	HUF mil													-3,927	-118	-141	-5,500	294
Net Profit	HUF mil													-84,955	-56,831	-39,077	-112,188	9,984
growth rates
Net Interest Income Growth	%	...												-17.0	-24.9	2.07	-1.52	-12.8
Net Fee Income Growth	%	...												0.814	-15.6	70.1	10.4	-0.641
Total Revenue Growth	%	...												-7.06	-35.6	17.3	3.38	-12.4
Operating Cost Growth	%	...												31.4	-32.7	24.2	3.90	-31.9
Operating Profit Growth	%	...												-72.2	-58.7	-72.5	-27.2	1,631
Pre-Tax Profit Growth	%	...												1,194	-38.9	-31.3	196	-109
Net Profit Growth	%	...												5,613	-33.1	-31.2	187	-109
market share
Market Share in Revenues	%													9.50	9.04	9.52	9.34	10.1
Market Share in Net Profit	%												...	...	...	...	...	...
Market Share in Employees	%	...	...	...	...									7.51	7.15	6.22	5.84	6.48
Market Share in Branches	%	...	...	...	...									3.83	3.69	3.51	3.37	2.52

balance sheet	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
balance sheet
Cash	HUF mil													98,285	129,153	116,004	518,386	505,024
Interbank Loans	HUF mil													99,777	32,795	27,733	31,531	59,194
Customer Loans	HUF mil													1,526,240	1,285,540	1,224,250	1,123,830	914,198
Retail Loans	HUF mil	...	...	...	...									589,015	434,399	495,307	461,583	270,112
Corporate Loans	HUF mil	...	...	...	...									859,502	756,710	843,777	847,390	810,136
Debt Securities	HUF mil													482,815	577,977	417,749	330,138	424,762
Fixed Assets	HUF mil													36,353	33,574	26,990	25,097	29,988
Total Assets	HUF mil													2,300,270	2,101,040	1,851,490	2,087,530	1,965,800
Shareholders' Equity	HUF mil													160,904	115,665	114,402	100,334	156,286
Of Which Minority Interest	HUF mil													1,496	254	844	639	557
Liabilities	HUF mil													2,139,370	1,985,370	1,737,090	1,987,190	1,809,520
Interbank Borrowing	HUF mil													318,070	243,145	225,960	314,479	274,544
Customer Deposits	HUF mil													1,434,540	1,436,550	1,228,780	1,324,950	1,293,680
Issued Debt Securities	HUF mil													185,802	198,160	241,069	272,814	124,779
Other Liabilities	HUF mil													200,957	107,513	41,276	74,950	116,519
asset quality
Non-Performing Loans	HUF mil	...	...	...	...	...	...	...						400,858	424,425	441,391	417,045	230,982
Gross Loans	HUF mil													1,776,260	1,544,750	1,508,860	1,479,260	1,080,250
Total Provisions	HUF mil													250,026	259,219	284,608	355,433	166,050
growth rates
Customer Loan Growth	%	...												-5.49	-15.8	-4.77	-8.20	-18.7
Retail Loan Growth	%	...	...	...	...	...								-35.1	-26.2	14.0	-6.81	-41.5
Corporate Loan Growth	%	...	...	...	...	...								32.9	-12.0	11.5	0.428	-4.40
Total Asset Growth	%	...												-2.86	-8.66	-11.9	12.7	-5.83
Shareholders' Equity Growth	%	...												6.20	-28.1	-1.09	-12.3	55.8
Customer Deposit Growth	%	...												8.37	0.140	-14.5	7.83	-2.36
market share
Market Share in Customer Loans	%													8.27	8.02	7.98	7.50	6.86
Market Share in Corporate Loans	%	...	...	...	...									12.6	12.7	14.8	14.4	15.3
Market Share in Consumer Loans	%	...	...	...	...									7.69	6.68	8.23	7.94	5.33
Market Share in Total Assets	%													6.07	6.10	5.24	5.71	5.45
Market Share in Customer Deposits	%													9.82	9.80	8.26	8.27	7.23

ratios	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%													-54.4	-41.1	-34.0	-104	7.78
ROA	%													-3.64	-2.58	-1.98	-5.70	0.493
Costs (As % Of Assets)	%													4.81	3.43	4.75	4.95	3.27
Costs (As % Of Income)	%													88.9	92.9	98.3	98.8	76.7
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...	...	...	11.1	9.19	11.2	19.3	24.3
Net Interest Margin	%													2.51	2.00	2.27	2.24	1.90
Interest Spread	%	...												2.23	1.71	2.08	2.13	1.81
Asset Yield	%													6.35	6.23	5.37	4.23	3.31
Cost Of Liabilities	%	...												4.12	4.52	3.29	2.10	1.51
Interest Income (As % Of Revenues)	%													46.3	54.0	47.0	44.8	44.6
Fee Income (As % Of Revenues)	%													16.7	21.8	31.7	33.8	38.4
Other Income (As % Of Revenues)	%													37.1	24.2	21.3	21.4	17.1
Cost Per Employee	USD per month	...	...	...	...									3,785	3,185	3,798	3,602	2,854
Cost Per Employee (Local Currency)	HUF per month	...	...	...	...									761,099	716,695	849,453	859,097	782,067
Staff Cost (As % Of Total Cost)	%													25.2	33.5	27.5	24.4	35.0
Equity (As % Of Assets)	%													7.00	5.51	6.18	4.81	7.95
Loans (As % Of Deposits)	%													106	89.5	99.6	84.8	70.7
Loans (As % Assets)	%													66.4	61.2	66.1	53.8	46.5
NPLs (As % Of Loans)	%	...	...	...	...	...	...	...						22.6	27.5	29.3	28.2	21.4
Provisions (As % Of NPLs)	%	...	...	...	...	...	...	...						62.4	61.1	64.5	85.2	71.9
Provisions (As % Of Loans)	%													16.4	20.2	23.2	31.6	18.2
Cost of Provisions (As % Of Loans)	%													6.74	4.40	3.20	9.80	1.10

other data	Unit	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Branches		...	...	...	...									132	123	114	105	71.0
Employees		...	...	...	...									3,101	2,940	2,528	2,303	2,474

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Raiffeisen Bank Hungary

Raiffeisen Hungary's npls (as % of loans) fell 49.6% to 7.02% in 2017

Raiffeisen Hungary's npls (as % of loans) fell 49.6% to 7.02% in 2017

Raiffeisen Hungary's net interest margin rose 15.0% to 1.86% in 2017

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Raiffeisen Hungary's net interest margin rose 15.0% to 1.86% in 2017

Raiffeisen Hungary's employees fell 1.69% to 2,089 in 2017

Raiffeisen Hungary's employees fell 1.69% to 2,089 in 2017

Raiffeisen Hungary's customer deposits rose 13.3% to HUF 1,501,170 mil in 2017

Raiffeisen Hungary's customer deposits rose 13.3% to HUF 1,501,170 mil in 2017

Raiffeisen Hungary's net profit rose 103% to HUF 30,508 mil in 2017

Raiffeisen Hungary's net profit rose 103% to HUF 30,508 mil in 2017

Raiffeisen Hungary's total revenues rose 9.48% to HUF 89,813 mil in 2017

Raiffeisen Hungary's total revenues rose 9.48% to HUF 89,813 mil in 2017

Raiffeisen Hungary's customer loans rose 7.84% to HUF 900,551 mil in 2017

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