By Helgi Library - November 4, 2023
Raiffeisen Bank Int. made a net profit of EUR 947 mil in the third quarter of 2023, down 18% when compared to the same period of ...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int. made a net profit of EUR 947 mil in the third quarter of 2023, down 18% when compared to the same period of ...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int. made a net profit of EUR 947 mil under revenues of EUR 2,247 mil in the third quarter of 2023, down 18% and ...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | EUR mil | 3,263 | 3,327 | 5,053 |
| Net Fee Income | EUR mil | 1,738 | 1,999 | 3,878 |
| Other Income | EUR mil | 947 | 244 | 779 |
| Total Revenues | EUR mil | 5,949 | 5,570 | 9,710 |
| Staff Cost | EUR mil | 1,566 | 1,579 | 2,010 |
| Operating Profit | EUR mil | 2,990 | 2,592 | 6,158 |
| Provisions | EUR mil | 630 | 295 | 949 |
| Net Profit | EUR mil | 881 | 1,508 | 3,797 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | EUR mil | 2,974 | 16,630 | 15,716 |
| Customer Loans | EUR mil | 102,225 | 100,832 | 103,230 |
| Investments | EUR mil | 21,845 | 22,902 | 23,711 |
| Total Assets | EUR mil | 165,959 | 192,101 | 207,057 |
| Shareholders' Equity | EUR mil | 14,288 | 15,475 | 18,764 |
| Interbank Borrowing | EUR mil | 6,684 | 34,607 | 33,641 |
| Customer Deposits | EUR mil | 130,251 | 115,153 | 125,099 |
| Issued Debt Securities | EUR mil | 10,780 | 26,865 | 29,554 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 6.28 | 10.1 | 22.2 |
| ROA | % | 0.554 | 0.842 | 1.90 |
| Costs (As % Of Assets) | % | 1.86 | 1.66 | 1.78 |
| Costs (As % Of Income) | % | 49.7 | 53.5 | 36.6 |
| Capital Adequacy Ratio | % | 18.3 | 17.6 | 20.0 |
| Net Interest Margin | % | 2.05 | 1.86 | 2.53 |
| Loans (As % Of Deposits) | % | 78.5 | 87.6 | 82.5 |
| NPLs (As % Of Loans) | % | 2.72 | 3.14 | 2.94 |
| Provisions (As % Of NPLs) | % | 89.6 | 62.5 | 59.0 |
| Valuation | 2020 | 2021 | 2022 | |
| Market Capitalisation | USD mil | 6,701 | 9,941 | 5,883 |
| Number Of Shares | mil | 329 | 327 | 327 |
| Share Price | EUR | 16.7 | 25.9 | 15.4 |
| Price/Earnings (P/E) | 6.80 | 6.18 | 1.38 | |
| Price/Book Value (P/BV) | 0.407 | 0.586 | 0.284 | |
| Dividend Yield | % | 2.88 | 4.77 | 0 |
| Earnings Per Share (EPS) | EUR | 2.45 | 4.19 | 11.1 |
| Book Value Per Share | EUR | 41.0 | 44.2 | 54.0 |
| Dividend Per Share | EUR | 0.480 | 1.24 | 0 |
Get all company financials in excel:
| summary | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||||||||||
| Net Interest Income | EUR mil | 2,935 | 3,260 | 3,413 | 3,443 | 3,263 | |||||||||||||||||
| Total Revenues | EUR mil | 4,980 | 5,826 | 6,051 | 6,144 | 5,949 | |||||||||||||||||
| Operating Profit | EUR mil | 2,051 | 2,829 | 2,996 | 3,074 | 2,990 | |||||||||||||||||
| Net Profit | EUR mil | 396 | 1,150 | 1,419 | 1,250 | 881 | |||||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | EUR mil | 9,900 | ... | ... | ... | 2,974 | |||||||||||||||||
| Customer Loans | EUR mil | 65,559 | 88,473 | 90,593 | 100,312 | 102,225 | |||||||||||||||||
| Investments | EUR mil | 19,625 | 24,416 | 22,297 | 21,989 | 21,845 | |||||||||||||||||
| Total Assets | EUR mil | 111,864 | 135,146 | 140,115 | 152,200 | 165,959 | |||||||||||||||||
| Shareholders' Equity | EUR mil | 9,232 | 11,241 | 12,413 | 13,765 | 14,288 | |||||||||||||||||
| Interbank Borrowing | EUR mil | 5,120 | 4,788 | 5,987 | 6,855 | 6,684 | |||||||||||||||||
| Customer Deposits | EUR mil | 71,538 | 106,362 | 109,698 | 118,427 | 130,251 | |||||||||||||||||
| Issued Debt Securities | EUR mil | 23,665 | 8,059 | 8,490 | 9,271 | 10,780 | |||||||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | 4.47 | 11.2 | 12.0 | 9.55 | 6.28 | ||||||||||||||||
| ROA | % | ... | 0.350 | 0.931 | 1.03 | 0.855 | 0.554 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.59 | 2.43 | 2.22 | 2.10 | 1.86 | ||||||||||||||||
| Costs (As % Of Income) | % | 58.8 | 51.4 | 50.5 | 50.0 | 49.7 | |||||||||||||||||
| Capital Adequacy Ratio | % | 19.2 | 17.9 | 18.3 | 18.0 | 18.3 | |||||||||||||||||
| Net Interest Margin | % | ... | 2.59 | 2.64 | 2.48 | 2.36 | 2.05 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 58.9 | 56.0 | 56.4 | 56.0 | 54.9 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | 30.1 | 29.5 | 29.6 | 29.2 | 29.2 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 48.1 | 51.9 | 51.7 | 52.4 | 52.9 | ||||||||||||||||
| Equity (As % Of Assets) | % | 8.25 | 8.32 | 8.86 | 9.04 | 8.61 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 91.6 | 83.2 | 82.6 | 84.7 | 78.5 | |||||||||||||||||
| Loans (As % Assets) | % | 58.6 | 65.5 | 64.7 | 65.9 | 61.6 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | 9.31 | 5.05 | 3.43 | 2.87 | 2.72 | ||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | 75.5 | 67.1 | 77.7 | 78.5 | 89.6 | ||||||||||||||||
| valuation | |||||||||||||||||||||||
| Market Capitalisation | USD mil | ... | 5,361 | 11,931 | 8,355 | 8,262 | 6,701 | ||||||||||||||||
| Number Of Shares | mil | ... | 292 | 329 | 329 | 329 | 329 | ||||||||||||||||
| Share Price | EUR | ... | 17.4 | 30.2 | 22.2 | 22.4 | 16.7 | ||||||||||||||||
| Earnings Per Share (EPS) | EUR | ... | 1.35 | 3.44 | 4.13 | 3.61 | 2.45 | ||||||||||||||||
| Book Value Per Share | EUR | ... | 29.6 | 32.2 | 35.6 | 39.4 | 41.0 | ||||||||||||||||
| Dividend Per Share | EUR | ... | 0 | 0 | 0.930 | 0 | 0.480 | ||||||||||||||||
| Price/Earnings (P/E) | ... | 12.9 | 8.78 | 5.37 | 6.20 | 6.80 | |||||||||||||||||
| Price/Book Value (P/BV) | ... | 0.588 | 0.938 | 0.623 | 0.568 | 0.407 | |||||||||||||||||
| Dividend Yield | % | ... | 0 | 0 | 4.19 | 0 | 2.88 | ||||||||||||||||
| Earnings Per Share Growth | % | ... | ... | 4.98 | 155 | 20.1 | -12.7 | -32.0 | |||||||||||||||
| Book Value Per Share Growth | % | ... | 8.58 | 8.89 | 10.7 | 10.6 | 3.96 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||||||||||
| Interest Income | EUR mil | 4,044 | 4,709 | 4,840 | 5,081 | 4,517 | |||||||||||||||||
| Interest Cost | EUR mil | 1,108 | 1,449 | 1,427 | 1,637 | 1,253 | |||||||||||||||||
| Net Interest Income | EUR mil | 2,935 | 3,260 | 3,413 | 3,443 | 3,263 | |||||||||||||||||
| Net Fee Income | EUR mil | 1,497 | 1,719 | 1,791 | 1,797 | 1,738 | |||||||||||||||||
| Fee Income | EUR mil | ... | 1,997 | 2,446 | 2,545 | 2,637 | 2,532 | ... | ... | ||||||||||||||
| Fee Expense | EUR mil | ... | 501 | 727 | 754 | 840 | 794 | ... | ... | ||||||||||||||
| Other Income | EUR mil | 547 | 847 | 847 | 904 | 947 | |||||||||||||||||
| Total Revenues | EUR mil | 4,980 | 5,826 | 6,051 | 6,144 | 5,949 | |||||||||||||||||
| Staff Cost | EUR mil | ... | 1,409 | 1,554 | 1,580 | 1,610 | 1,566 | ||||||||||||||||
| Depreciation | EUR mil | ... | ... | ... | ... | ... | ... | 154 | 153 | 137 | 227 | 230 | |||||||||||
| Other Cost | EUR mil | ... | ... | ... | ... | ... | ... | 1,366 | 1,290 | 1,339 | 1,233 | 1,163 | |||||||||||
| Operating Cost | EUR mil | 2,929 | 2,996 | 3,056 | 3,070 | 2,958 | |||||||||||||||||
| Operating Profit | EUR mil | 2,051 | 2,829 | 2,996 | 3,074 | 2,990 | |||||||||||||||||
| Provisions | EUR mil | 754 | 312 | 166 | 234 | 630 | |||||||||||||||||
| Extra and Other Cost | EUR mil | 501 | 860 | 880 | 1,043 | 1,033 | |||||||||||||||||
| Pre-Tax Profit | EUR mil | 796 | 1,657 | 1,949 | 1,797 | 1,327 | |||||||||||||||||
| Tax | EUR mil | 290 | 377 | 402 | 410 | 341 | |||||||||||||||||
| Minorities | EUR mil | 111 | 130 | 128 | 138 | 106 | |||||||||||||||||
| Net Profit | EUR mil | 396 | 1,150 | 1,419 | 1,250 | 881 | |||||||||||||||||
| Net Profit Avail. to Common | EUR mil | 396 | 1,130 | 1,358 | 1,187 | 806 | |||||||||||||||||
| Dividends | EUR mil | 0 | 0 | 306 | 0 | 158 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -11.8 | 11.1 | 4.70 | 0.888 | -5.22 | ||||||||||||||||
| Net Fee Income Growth | % | ... | -1.47 | 14.8 | 4.21 | 0.291 | -3.26 | ||||||||||||||||
| Total Revenue Growth | % | ... | -7.69 | 17.0 | 3.88 | 1.53 | -3.19 | ||||||||||||||||
| Operating Cost Growth | % | ... | -1.04 | 2.31 | 1.99 | 0.461 | -3.64 | ||||||||||||||||
| Operating Profit Growth | % | ... | -15.8 | 38.0 | 5.87 | 2.63 | -2.73 | ||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 13.2 | 108 | 17.6 | -7.82 | -26.1 | ||||||||||||||||
| Net Profit Growth | % | ... | 5.63 | 190 | 23.4 | -11.9 | -29.5 |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | |||||||||||||||||||||||
| Cash & Cash Equivalents | EUR mil | 12,242 | 16,905 | 22,557 | 24,289 | 33,660 | |||||||||||||||||
| Interbank Loans | EUR mil | 9,900 | ... | ... | ... | 2,974 | |||||||||||||||||
| Customer Loans | EUR mil | 65,559 | 88,473 | 90,593 | 100,312 | 102,225 | |||||||||||||||||
| Retail Loans | EUR mil | ... | 23,393 | 30,964 | 32,120 | 35,682 | 35,262 | ||||||||||||||||
| Corporate Loans | EUR mil | ... | 46,462 | 59,755 | 55,174 | 61,146 | 60,640 | ||||||||||||||||
| Investments | EUR mil | 19,625 | 24,416 | 22,297 | 21,989 | 21,845 | |||||||||||||||||
| Property and Equipment | EUR mil | 1,393 | 1,540 | 1,384 | 1,829 | 1,684 | |||||||||||||||||
| Intangible Assets | EUR mil | ... | 598 | 721 | 693 | 757 | 763 | ||||||||||||||||
| Goodwill | EUR mil | ... | 39.6 | 95.9 | 95.6 | 101 | 73.2 | ... | ... | ||||||||||||||
| Total Assets | EUR mil | 111,864 | 135,146 | 140,115 | 152,200 | 165,959 | |||||||||||||||||
| Shareholders' Equity | EUR mil | 9,232 | 11,241 | 12,413 | 13,765 | 14,288 | |||||||||||||||||
| Of Which Minority Interest | EUR mil | 581 | 660 | 701 | 811 | 820 | |||||||||||||||||
| Liabilities | EUR mil | 102,632 | 123,905 | 127,702 | 138,435 | 151,671 | |||||||||||||||||
| Interbank Borrowing | EUR mil | 5,120 | 4,788 | 5,987 | 6,855 | 6,684 | |||||||||||||||||
| Customer Deposits | EUR mil | 71,538 | 106,362 | 109,698 | 118,427 | 130,251 | |||||||||||||||||
| Retail Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Corporate Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Sight Deposits | EUR mil | ... | 44,461 | 67,041 | 68,699 | 75,624 | 88,905 | ... | ... | ||||||||||||||
| Term Deposits | EUR mil | ... | 27,077 | 39,321 | 40,999 | 42,803 | 41,346 | ... | ... | ||||||||||||||
| Issued Debt Securities | EUR mil | 23,665 | 8,059 | 8,490 | 9,271 | 10,780 | |||||||||||||||||
| Other Liabilities | EUR mil | 2,308 | 4,696 | 3,526 | 3,881 | 3,955 | |||||||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | 6,563 | 4,621 | 3,193 | 2,949 | 2,851 | ||||||||||||||||
| Gross Loans | EUR mil | 70,514 | 91,575 | 93,073 | 102,626 | 104,780 | |||||||||||||||||
| Risk-Weighted Assets | EUR mil | 60,061 | 71,902 | 72,672 | 77,966 | 78,864 | |||||||||||||||||
| Total Provisions | EUR mil | 4,955 | 3,102 | 2,480 | 2,314 | 2,555 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | 2.65 | 35.0 | 2.40 | 10.7 | 1.91 | ||||||||||||||||
| Retail Loan Growth | % | ... | ... | 6.92 | 32.4 | 3.73 | 11.1 | -1.18 | |||||||||||||||
| Corporate Loan Growth | % | ... | ... | -1.62 | 28.6 | -7.67 | 10.8 | -0.827 | |||||||||||||||
| Total Asset Growth | % | ... | -2.24 | 20.8 | 3.68 | 8.62 | 9.04 | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | 8.60 | 21.8 | 10.4 | 10.9 | 3.80 | ||||||||||||||||
| Customer Deposit Growth | % | ... | 3.69 | 48.7 | 3.14 | 7.96 | 9.98 | ||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | 4.47 | 11.2 | 12.0 | 9.55 | 6.28 | ||||||||||||||||
| ROTE | % | ... | ... | 4.79 | 12.0 | 12.8 | 10.1 | 6.64 | |||||||||||||||
| ROE (@ 15% of RWA) | % | ... | 4.28 | 11.6 | 13.1 | 11.1 | 7.49 | ||||||||||||||||
| ROA | % | ... | 0.350 | 0.931 | 1.03 | 0.855 | 0.554 | ||||||||||||||||
| Return on Loans | % | 0.612 | 1.49 | 1.58 | 1.31 | 0.870 | |||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | 3.33 | 4.29 | 4.14 | 4.08 | 3.81 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.59 | 2.43 | 2.22 | 2.10 | 1.86 | ||||||||||||||||
| Costs (As % Of Income) | % | 58.8 | 51.4 | 50.5 | 50.0 | 49.7 | |||||||||||||||||
| Costs (As % Of Loans) | % | ... | 4.53 | 3.89 | 3.41 | 3.22 | 2.92 | ||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 2.17 | 1.81 | 1.55 | 1.47 | 1.31 | ||||||||||||||||
| Capital Adequacy Ratio | % | 19.2 | 17.9 | 18.3 | 18.0 | 18.3 | |||||||||||||||||
| Tier 1 Ratio | % | 13.9 | 13.7 | 15.0 | 15.5 | 15.7 | |||||||||||||||||
| Net Interest Margin | % | ... | 2.59 | 2.64 | 2.48 | 2.36 | 2.05 | ||||||||||||||||
| Interest Spread | % | ... | 2.51 | 2.53 | 2.38 | 2.25 | 1.98 | ||||||||||||||||
| Asset Yield | % | ... | 3.57 | 3.81 | 3.52 | 3.48 | 2.84 | ||||||||||||||||
| Revenues (As % of RWA) | % | ... | 8.08 | 8.83 | 8.37 | 8.16 | 7.59 | ||||||||||||||||
| Cost Of Liabilities | % | ... | 1.06 | 1.28 | 1.13 | 1.23 | 0.864 | ||||||||||||||||
| Payout Ratio | % | 0 | 0 | 21.5 | 0 | 17.9 | |||||||||||||||||
| Interest Income (As % Of Revenues) | % | 58.9 | 56.0 | 56.4 | 56.0 | 54.9 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | 30.1 | 29.5 | 29.6 | 29.2 | 29.2 | |||||||||||||||||
| Other Income (As % Of Revenues) | % | 11.0 | 14.5 | 14.0 | 14.7 | 15.9 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 48.1 | 51.9 | 51.7 | 52.4 | 52.9 | ||||||||||||||||
| Equity (As % Of Assets) | % | 8.25 | 8.32 | 8.86 | 9.04 | 8.61 | |||||||||||||||||
| Equity (As % Of Loans) | % | 14.1 | 12.7 | 13.7 | 13.7 | 14.0 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 91.6 | 83.2 | 82.6 | 84.7 | 78.5 | |||||||||||||||||
| Loans (As % Assets) | % | 58.6 | 65.5 | 64.7 | 65.9 | 61.6 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | 9.31 | 5.05 | 3.43 | 2.87 | 2.72 | ||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | 75.5 | 67.1 | 77.7 | 78.5 | 89.6 | ||||||||||||||||
| Provisions (As % Of Loans) | % | 7.56 | 3.51 | 2.74 | 2.31 | 2.50 | |||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.17 | 0.405 | 0.185 | 0.245 | 0.622 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | 2,506 | 2,409 | 2,159 | 2,040 | 1,857 | ||||||||||||||||||
| Employees | ... | 48,556 | 49,700 | 47,079 | 46,873 | 45,414 | |||||||||||||||||
| Employees Per Bank Branch | ... | 19.4 | 20.6 | 21.8 | 23.0 | 24.5 | |||||||||||||||||
| Cost Per Employee | USD per month | ... | 2,592 | 2,925 | 3,275 | 3,244 | 3,361 | ||||||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | ... | 2,418 | 2,605 | 2,796 | 2,862 | 2,873 | ||||||||||||||||
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | 67.0 | 67.0 | 66.0 | 66.0 | ... | ... | ... | |||||||||
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 45.0 | 46.0 | 46.0 | ... | ... | ... |
| customer breakdown | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.0 | 16.5 | 16.1 | 16.7 | 17.2 | ||
| Market Value per Customer (Local Currency) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 299 | 603 | 454 | 441 | 319 | ||
| Revenue per Customer (Local Currency) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 293 | 353 | 377 | 368 | 346 | ||
| Net Profit per Customer (Local Currency) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.3 | 69.6 | 88.3 | 74.8 | 51.2 | ||
| Loan per Customer (Local Currency) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,858 | 5,358 | 5,640 | 6,007 | 5,943 | ||
| Deposit per Customer (Local Currency) | EUR | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,210 | 6,441 | 6,829 | 7,091 | 7,573 | ||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 315 | 723 | 520 | 495 | 390 | ||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 314 | 396 | 441 | 417 | 405 | ||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 25.0 | 78.2 | 103 | 84.8 | 59.9 | ||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,074 | 6,423 | 6,457 | 6,738 | 7,268 | ||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,445 | 7,721 | 7,819 | 7,955 | 9,260 |
| central europe | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Net Interest Income in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 667 | 950 | 965 | 830 | 787 | ||||
| Fee Income in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 389 | 557 | 549 | 441 | 410 | ||||
| Other Income in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.08 | 63.7 | 3.40 | 56.3 | 75.1 | ||||
| Total Revenues in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,057 | 1,571 | 1,517 | 1,327 | 1,272 | ||||
| Operating Cost in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 659 | 887 | 854 | 768 | 714 | ||||
| Operating Profit in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 398 | 684 | 663 | 559 | 558 | ||||
| Provisions in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 35.3 | 59.4 | 122 | 38.2 | 177 | ||||
| Other Cost in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -24.3 | 94.4 | 93.3 | 118 | 132 | ||||
| Pre-Tax Profit in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 387 | 530 | 447 | 402 | 249 | ||||
| Net Profit in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 319 | 419 | 346 | 290 | 180 | ||||
| Net Profit Avail. to Common in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 265 | 363 | 290 | 221 | 128 | ||||
| Total Assets in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32,052 | 46,814 | 40,353 | 42,094 | 45,280 | ||||
| Loans in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21,213 | 30,281 | 27,737 | 29,603 | 29,857 | ||||
| Deposits in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24,094 | 35,606 | 29,619 | 31,967 | 34,393 | ||||
| Equity in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,865 | 3,061 | 4,034 | 3,147 | 3,237 | ||||
| Risk-Weighted Assets in Central Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14,487 | 24,807 | 21,615 | 22,114 | 20,434 | ||||
| Branches in Central Europe | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 411 | 631 | 396 | 391 | 368 | |||||
| Employees in Central Europe | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,319 | 13,069 | 9,692 | 9,915 | 9,244 | |||
| Customers in Central Europe | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.56 | 3.39 | 2.59 | 2.75 | 2.86 | ||
| Net Interest Margin in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.26 | 2.41 | 2.21 | 2.01 | 1.80 | ||||
| Costs (As % Of Income) in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 62.4 | 56.5 | 56.3 | 57.9 | 56.2 | ||||
| Loans (As % Of Deposits) in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 88.0 | 85.0 | 93.6 | 92.6 | 86.8 | ||||
| ROE in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.9 | 17.0 | 9.76 | 8.08 | 5.64 | ||||
| Provisions (As % Of NPLs) in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.3 | 67.7 | 56.0 | 58.6 | 63.1 | ||||
| NPLs (As % Of Loans) in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.29 | 4.97 | 2.82 | 2.36 | 1.92 | ||||
| Cost of Provisions (As % Of Loans) in Central Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.177 | 0.231 | 0.422 | 0.133 | 0.595 | ||||
| Revenues in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.2 | 27.0 | 25.1 | 21.6 | 21.4 | ||||
| Operating Profit in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.4 | 24.2 | 22.1 | 18.2 | 18.7 | ||||
| Net Profit in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 66.9 | 31.5 | 20.5 | 17.7 | 14.6 | ||||
| Assets in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.7 | 34.6 | 28.8 | 27.7 | 27.3 | ||||
| RWA in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.1 | 34.5 | 29.7 | 28.4 | 25.9 | ||||
| Loans in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32.4 | 34.2 | 30.6 | 29.5 | 29.2 | ||||
| Deposits in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.7 | 33.5 | 27.0 | 27.0 | 26.4 | ||||
| Branches in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.4 | 26.2 | 18.3 | 19.2 | 19.8 | ||||
| Employees in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.2 | 26.3 | 20.6 | 21.2 | 20.4 | ||
| Customers in Central Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.1 | 20.5 | 16.1 | 16.5 | 16.6 |
| southeastern europe | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Net Interest Income in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 738 | 731 | 814 | 867 | 849 | ||||
| Fee Income in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 392 | 401 | 421 | 417 | 377 | ||||
| Other Income in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 80.5 | 56.4 | 61.6 | 55.2 | 42.7 | ||||
| Total Revenues in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,210 | 1,189 | 1,297 | 1,339 | 1,269 | ||||
| Operating Cost in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 682 | 678 | 699 | 705 | 687 | ||||
| Operating Profit in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 528 | 511 | 599 | 635 | 582 | ||||
| Provisions in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 175 | 113 | 61.3 | 69.7 | 178 | ||||
| Other Cost in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -8.50 | -5.04 | 12.1 | 84.3 | 77.3 | ||||
| Pre-Tax Profit in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 361 | 404 | 525 | 481 | 326 | ||||
| Net Profit in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 299 | 346 | 452 | 410 | 273 | ||||
| Net Profit Avail. to Common in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 299 | 345 | 452 | 413 | 273 | ||||
| Total Assets in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23,033 | 23,710 | 25,360 | 26,986 | 29,897 | ||||
| Loans in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13,513 | 13,064 | 14,633 | 15,915 | 16,294 | ||||
| Deposits in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17,296 | 18,275 | 20,040 | 21,529 | 24,292 | ||||
| Equity in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,850 | 2,090 | 2,455 | 2,933 | 3,310 | ||||
| Risk-Weighted Assets in Southeastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14,225 | 14,485 | 15,136 | 15,903 | 16,629 | ||||
| Branches in Southeastern Europe | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,015 | 978 | 962 | 894 | 864 | |||||
| Employees in Southeastern Europe | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14,893 | 14,792 | 14,646 | 14,480 | 14,344 | |||||
| Customers in Southeastern Europe | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.72 | 5.37 | 5.29 | 5.37 | 5.37 | ||
| Net Interest Margin in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.27 | 3.13 | 3.32 | 3.31 | 2.99 | ||||
| Costs (As % Of Income) in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 56.4 | 57.0 | 53.9 | 52.6 | 54.2 | ||||
| Loans (As % Of Deposits) in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 78.1 | 71.5 | 73.0 | 73.9 | 67.1 | ||||
| ROE in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.7 | 17.6 | 19.9 | 15.2 | 8.76 | ||||
| Provisions (As % Of NPLs) in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 79.7 | 81.0 | 63.5 | 69.9 | 70.8 | ||||
| NPLs (As % Of Loans) in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.5 | 7.55 | 3.56 | 2.97 | 2.75 | ||||
| Cost of Provisions (As % Of Loans) in Southeastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.32 | 0.847 | 0.442 | 0.456 | 1.11 | ||||
| Revenues in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.3 | 20.4 | 21.4 | 21.8 | 21.3 | ||||
| Operating Profit in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 25.7 | 18.1 | 20.0 | 20.6 | 19.5 | ||||
| Net Profit in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 75.6 | 30.0 | 31.8 | 33.0 | 31.0 | ||||
| Assets in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.6 | 17.5 | 18.1 | 17.7 | 18.0 | ||||
| RWA in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.7 | 20.1 | 20.8 | 20.4 | 21.1 | ||||
| Loans in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.6 | 14.8 | 16.2 | 15.9 | 15.9 | ||||
| Deposits in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.2 | 17.2 | 18.3 | 18.2 | 18.7 | ||||
| Branches in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 40.5 | 40.6 | 44.6 | 43.8 | 46.5 | ||||
| Employees in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 30.7 | 29.8 | 31.1 | 30.9 | 31.6 | ||||
| Customers in Southeastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.6 | 32.5 | 33.0 | 32.1 | 31.2 |
| eastern europe | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Net Interest Income in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 864 | 982 | 1,022 | 1,142 | 1,060 | ||||
| Fee Income in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 391 | 462 | 466 | 557 | 519 | ||||
| Other Income in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 48.7 | 23.8 | 41.5 | 43.0 | 53.8 | ||||
| Total Revenues in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,304 | 1,468 | 1,529 | 1,743 | 1,632 | ||||
| Operating Cost in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 520 | 600 | 631 | 685 | 615 | ||||
| Operating Profit in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 784 | 868 | 898 | 1,058 | 1,017 | ||||
| Provisions in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 163 | -5.27 | 31.9 | 58.9 | 138 | ||||
| Other Cost in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -16.6 | 0.659 | 10.9 | 59.0 | 67.9 | ||||
| Pre-Tax Profit in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 637 | 872 | 855 | 940 | 811 | ||||
| Net Profit in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 511 | 689 | 684 | 735 | 639 | ||||
| Net Profit Avail. to Common in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 458 | 624 | 627 | 680 | 590 | ||||
| Total Assets in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15,319 | 15,579 | 18,192 | 23,381 | 20,721 | ||||
| Loans in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,719 | 10,031 | 11,117 | 14,465 | 11,560 | ||||
| Deposits in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,957 | 11,731 | 13,901 | 17,712 | 16,224 | ||||
| Equity in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,488 | 1,702 | 1,940 | 2,678 | 1,955 | ||||
| Risk-Weighted Assets in Eastern Europe | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11,567 | 11,247 | 12,260 | 15,054 | 12,860 | ||||
| Branches in Eastern Europe | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 771 | 775 | 779 | 732 | 604 | |||||
| Employees in Eastern Europe | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17,827 | 18,132 | 18,750 | 18,356 | 16,982 | |||||
| Customers in Eastern Europe | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.66 | 5.73 | 6.05 | 6.66 | 7.00 | ||
| Net Interest Margin in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.86 | 6.36 | 6.05 | 5.50 | 4.81 | ||||
| Costs (As % Of Income) in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 39.9 | 40.9 | 41.3 | 39.3 | 37.7 | ||||
| Loans (As % Of Deposits) in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 97.8 | 85.5 | 80.0 | 81.7 | 71.3 | ||||
| ROE in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32.7 | 43.2 | 37.6 | 31.8 | 27.6 | ||||
| Provisions (As % Of NPLs) in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 85.7 | 78.6 | 61.8 | 60.0 | 57.0 | ||||
| NPLs (As % Of Loans) in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.7 | 6.36 | 2.92 | 2.02 | 2.14 | ||||
| Cost of Provisions (As % Of Loans) in Eastern Europe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.57 | -0.051 | 0.302 | 0.461 | 1.06 | ||||
| Revenues in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.2 | 25.2 | 25.3 | 28.4 | 27.4 | ||||
| Operating Profit in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 38.2 | 30.7 | 30.0 | 34.4 | 34.0 | ||||
| Net Profit in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 116 | 54.3 | 44.2 | 54.5 | 67.0 | ||||
| Assets in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.7 | 11.5 | 13.0 | 15.4 | 12.5 | ||||
| RWA in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.3 | 15.6 | 16.9 | 19.3 | 16.3 | ||||
| Loans in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.4 | 11.3 | 12.3 | 14.4 | 11.3 | ||||
| Deposits in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.3 | 11.0 | 12.7 | 15.0 | 12.5 | ||||
| Branches in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 30.8 | 32.2 | 36.1 | 35.9 | 32.5 | ||||
| Employees in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 36.7 | 36.5 | 39.8 | 39.2 | 37.4 | ||||
| Customers in Eastern Europe (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 33.3 | 34.7 | 37.7 | 39.9 | 40.7 |
| group corporates & markets | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Net Interest Income in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 609 | 587 | 534 | 598 | 582 | ||||
| Fee Income in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 286 | 308 | 371 | 394 | 417 | ||||
| Other Income in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 261 | 204 | 189 | 184 | 219 | ||||
| Total Revenues in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,156 | 1,099 | 1,094 | 1,177 | 1,219 | ||||
| Operating Cost in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 658 | 648 | 647 | 700 | 678 | ||||
| Operating Profit in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 498 | 451 | 447 | 477 | 541 | ||||
| Provisions in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 112 | 137 | -62.3 | 63.7 | 134 | ||||
| Other Cost in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 45.7 | 56.7 | 21.0 | 52.4 | 42.6 | ||||
| Pre-Tax Profit in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 341 | 257 | 488 | 361 | 365 | ||||
| Net Profit in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 299 | 209 | 393 | 283 | 288 | ||||
| Net Profit Avail. to Common in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 291 | 203 | 388 | 278 | 273 | ||||
| Total Assets in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 39,611 | 38,935 | 44,488 | 53,706 | 58,083 | ||||
| Loans in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24,816 | 22,843 | 26,953 | 29,720 | 32,179 | ||
| Deposits in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20,219 | 20,934 | 23,020 | 27,601 | 28,822 | ||||
| Equity in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,411 | 2,891 | 3,457 | 3,025 | 3,393 | ||||
| Risk-Weighted Assets in Corporates & Markets | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,600 | 20,154 | 22,683 | 24,581 | 27,463 | ||||
| Branches in Corporates & Markets | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.0 | 25.0 | 22.0 | 23.0 | 21.0 | |||||
| Employees in Corporates & Markets | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,530 | 2,680 | 2,879 | 2,908 | 3,099 | |||
| Customers in Corporates & Markets | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.00 | 2.02 | 2.13 | 1.97 | 1.93 | ||
| Net Interest Margin in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.42 | 1.49 | 1.28 | 1.22 | 1.04 | ||||
| Costs (As % Of Income) in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 56.9 | 59.0 | 59.1 | 59.5 | 55.6 | ||||
| Loans (As % Of Deposits) in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 123 | 109 | 117 | 108 | 112 | ||
| ROE in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.8 | 7.89 | 12.4 | 8.73 | 8.98 | ||||
| Provisions (As % Of NPLs) in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 67.2 | 48.2 | 54.1 | 55.9 | 53.4 | ||
| NPLs (As % Of Loans) in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.53 | 4.92 | 2.36 | 1.68 | 1.67 | ||
| Cost of Provisions (As % Of Loans) in Corporates & Markets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.451 | 0.574 | -0.250 | 0.225 | 0.433 | ||
| Revenues in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23.2 | 18.9 | 18.1 | 19.2 | 20.5 | ||||
| Operating Profit in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24.3 | 15.9 | 14.9 | 15.5 | 18.1 | ||||
| Net Profit in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 73.4 | 17.6 | 27.3 | 22.3 | 31.0 | ||||
| Assets in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 35.4 | 28.8 | 31.8 | 35.3 | 35.0 | ||||
| RWA in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 31.0 | 28.0 | 31.2 | 31.5 | 34.8 | ||||
| Loans in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37.9 | 25.8 | 29.8 | 29.6 | 31.5 | ||
| Deposits in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.3 | 19.7 | 21.0 | 23.3 | 22.1 | ||||
| Branches in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.798 | 1.04 | 1.02 | 1.13 | 1.13 | ||||
| Employees in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.21 | 5.39 | 6.12 | 6.20 | 6.82 | ||
| Customers in Corporates & Markets (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.8 | 12.2 | 13.3 | 11.8 | 11.2 |
| corporate center | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Net Interest Income in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 381 | 86.2 | -31.6 | -86.9 | -77.0 | ||||
| Fee Income in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 29.6 | -7.95 | -8.57 | -14.4 | 20.5 | ||||
| Other Income in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 73.0 | 1,016 | 727 | 913 | 725 | ||||
| Total Revenues in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 484 | 1,094 | 687 | 812 | 668 | ||||
| Operating Cost in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 354 | 342 | 344 | 354 | 371 | ||||
| Operating Profit in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 130 | 752 | 343 | 459 | 297 | ||||
| Provisions in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.39 | 3.61 | 5.05 | 2.06 | 2.35 | ||||
| Other Cost in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 231 | 136 | 212 | 101 | 173 | ||||
| Pre-Tax Profit in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -110 | 612 | 125 | 356 | 122 | ||||
| Net Profit in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -81.0 | 632 | 211 | 422 | 157 | ||||
| Net Profit Avail. to Common in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -87.5 | 632 | 210 | 422 | 157 | ||||
| Total Assets in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 34,259 | 30,981 | 35,331 | 31,549 | 32,577 | ||||
| Loans in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,288 | 3,662 | 3,038 | 4,043 | 3,081 | ||
| Deposits in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 470 | 1,398 | 4,381 | 1,464 | 2,058 | ||
| Equity in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,062 | 2,129 | 2,528 | 6,695 | 7,483 | ||||
| Risk-Weighted Assets in Corporate Center | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15,395 | 13,884 | 16,259 | 13,333 | 13,680 | ||||
| Employees in Corporate Center | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,061 | 1,027 | 1,112 | 1,214 | 1,745 | |||
| Net Interest Margin in Corporate Center | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.24 | 0.264 | -0.095 | -0.260 | -0.240 | ||||
| Costs (As % Of Income) in Corporate Center | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 73.1 | 31.3 | 50.1 | 43.5 | 55.5 | ||||
| Loans (As % Of Deposits) in Corporate Center | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 700 | 262 | 69.3 | 276 | 150 | ||
| ROE in Corporate Center | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -3.95 | 30.2 | 9.04 | 9.15 | 2.22 | ||||
| Cost of Provisions (As % Of Loans) in Corporate Center | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.286 | 0.104 | 0.151 | 0.058 | 0.066 | ||
| Revenues in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.72 | 18.8 | 11.3 | 13.2 | 11.2 | ||||
| Operating Profit in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.34 | 26.6 | 11.4 | 14.9 | 9.94 | ||||
| Net Profit in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -22.1 | 55.0 | 14.8 | 33.7 | 17.9 | ||||
| Assets in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 30.6 | 22.9 | 25.2 | 20.7 | 19.6 | ||||
| RWA in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 25.6 | 19.3 | 22.4 | 17.1 | 17.3 | ||||
| Loans in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.02 | 4.14 | 3.35 | 4.03 | 3.01 | ||
| Deposits in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.657 | 1.31 | 3.99 | 1.24 | 1.58 | ||
| Employees in Corporate Center (as % of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.18 | 2.07 | 2.36 | 2.59 | 3.84 |
Get all company financials in excel:
By Helgi Library - November 4, 2023
Raiffeisen Bank Int. made a net profit of EUR 947 mil under revenues of EUR 2,247 mil in the third quarter of 2023, down 18% and 16.8% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EUR...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int.'s non-performing loans reached 2.80% of total loans at the end of 2023-09-30, down from 2.81% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.3% in 2015-09-30 and an all time low of 1.70% in 2005-12-31. ...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int.'s non-performing loans reached 2.80% of total loans at the end of 2023-09-30, down from 2.81% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.3% in 2015-09-30 and an all time low of 1.70% in 2005-12-31. ...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int. employed 44,810 persons in 2023-09-30, up 0.563% when compared to the previous year. Historically, the bank's workforce hit an all time high of 63,376 persons in 2008-12-31 and an all time low of 44,024 in 2022-09-30. Average cost reached USD ...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int. employed 44,810 persons in 2023-09-30, up 0.563% when compared to the previous year. Historically, the bank's workforce hit an all time high of 63,376 persons in 2008-12-31 and an all time low of 44,024 in 2022-09-30. Average cost reached USD ...
By Helgi Library - August 24, 2023
Raiffeisen Bank Int.'s customer deposits reached EUR 71,538 mil in 2016-12-31, up 1.54% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 395 bil in 2016-12-31, up 0.573% when compared to the last year. Raiffeisen Ba...
By Helgi Library - August 24, 2023
Raiffeisen Bank Int.'s customer deposits reached EUR 71,538 mil in 2016-12-31, up 1.54% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 395 bil in 2016-12-31, up 0.573% when compared to the last year. Raiffeisen Ba...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int.'s capital adequacy ratio reached 19.7% at the end of third quarter of 2023, down from 19.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.1% in 1Q2023 and an all time low of 8.40% in 3Q...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int.'s capital adequacy ratio reached 19.7% at the end of third quarter of 2023, down from 19.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.1% in 1Q2023 and an all time low of 8.40% in 3Q...
By Helgi Library - November 4, 2023
Raiffeisen Bank Int.'s cost to income ratio reached 39.1% in the third quarter of 2023, down from 47.6% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 90.8% of income in 4Q2012 and an all time low of 34.2% i...
Raiffeisen Bank International AG (RBI) is an Austrian bank that focuses on corporate and retail banking sector. From a relatively small bank in a country of 8 million people, the bank has grown into one of the biggest players in the region of Central and Eastern Europe (CEE) and the Commonwealth of Independent States (CIS). The bank now operates in 17 different countries, employes about 60,000 people and services approximatelly 14.9 million customers through more than 3,100 branches. The Bank's products include financing, leasing, investing, hedging, trade & export finance, investment banking, cash management, payment services, custody & fund services, and cards, among others. RBI's shares are listed on the Vienna Stock Exchange and are majority-owned by RZB, which is a central institution of the Austrian Raiffeisen Banking Group, the country's largest banking group
Raiffeisen Bank Int. has been growing its revenues and asset by 6.26% and 4.28% a year on average in the last 10 years. Its loans and deposits have grown by 2.88% and 6.56% a year during that time and loans to deposits ratio reached 82.5% at the end of 2022. The company achieved an average return on equity of 8.33% in the last decade with net profit growing 17.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 36.6% in 2022, compared to 52.0% average in the last decade.
Equity represented 9.06% of total assets or 18.2% of loans at the end of 2022. Raiffeisen Bank Int.'s non-performing loans were 2.94% of total loans while provisions covered some 59.0% of NPLs at the end of 2022.
Raiffeisen Bank Int. stock traded at per share at the end of 2022 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 12.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 1.38x and price to book value (PBV) of 0.284x in 2022.
Helgi Library 
