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Raiffeisen Bank Polska

Raiffeisen Polska's net profit rose 412% to PLN 75.6 mil in 2017

By Helgi Library - May 10, 2018

Raiffeisen Bank Polska made a net profit of PLN 75.6 mil under revenues of PLN 1,642 mil in 2017, up 412% and 6.63% respectively comp...

Raiffeisen Polska's net profit rose 412% to PLN 75.6 mil in 2017

By Helgi Library - May 10, 2018

Raiffeisen Bank Polska made a net profit of PLN 75.6 mil under revenues of PLN 1,642 mil in 2017, up 412% and 6.63% respectively comp...

Raiffeisen Polska's customer deposits fell 5.47% to PLN 34,341 mil in 2017

By Helgi Library - May 22, 2018

Raiffeisen Bank Polska's customer deposits reached PLN 34,341 mil in 2017, down 5.47% compared to the previous year. Polish ban...

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Annual Quarterly LTM

Profit Statement		2015	2016	2017
Net Interest Income	PLN mil	1,081	1,019	1,105
Net Fee Income	PLN mil	614	588	587
Other Income	PLN mil	54.0	-67.0	-49.0
Total Revenues	PLN mil	1,749	1,540	1,642
Staff Cost	PLN mil	578	548	524
Operating Profit	PLN mil	389	417	602
Provisions	PLN mil	187	176	302
Net Profit	PLN mil	186	14.8	75.6

Balance Sheet		2015	2016	2017
Interbank Loans	PLN mil	1,326	335	140
Customer Loans	PLN mil	39,206	33,865	32,413
Total Assets	PLN mil	61,905	53,258	48,975
Shareholders' Equity	PLN mil	6,389	6,363	6,480
Interbank Borrowing	PLN mil	13,089	7,433	5,780
Customer Deposits	PLN mil	37,762	36,329	34,341
Issued Debt Securities	PLN mil	2,483	834	1,065

Ratios		2015	2016	2017
ROE	%	2.97	0.231	1.18
ROA	%	0.309	0.026	0.148
Costs (As % Of Assets)	%	2.26	1.95	2.03
Costs (As % Of Income)	%	77.7	72.9	63.3
Capital Adequacy Ratio	%	13.6	16.7	17.2
Net Interest Margin	%	1.79	1.77	2.16
Loans (As % Of Deposits)	%	104	93.2	94.4
NPLs (As % Of Loans)	%	7.90	7.88	8.35
Provisions (As % Of NPLs)	%	64.2	63.2	66.4

Growth Rates		2015	2016	2017
Total Revenue Growth	%	-8.03	-11.9	6.63
Operating Cost Growth	%	0.773	-17.4	-7.39
Operating Profit Growth	%	-29.5	7.13	44.4
Net Profit Growth	%	-44.9	-92.1	412
Customer Loan Growth	%	-1.54	-13.6	-4.29
Total Asset Growth	%	5.55	-14.0	-8.04
Customer Deposit Growth	%	14.9	-3.79	-5.47
Shareholders' Equity Growth	%	3.86	-0.417	1.85
Employees		5,271	4,338	3,978

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summary	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	PLN mil							820	950	1,212	1,224	1,081
Total Revenues	PLN mil							1,525	1,889	2,097	1,901	1,749
Operating Profit	PLN mil	...						690	573	602	552	389
Net Profit	PLN mil							317	-32.0	147	338	186
balance sheet
Interbank Loans	PLN mil							280	246	368	655	1,326
Customer Loans	PLN mil							22,939	39,587	37,654	39,819	39,206
Debt Securities	PLN mil							7,504	9,882	11,107	13,791	16,412
Total Assets	PLN mil							32,822	54,668	53,401	58,648	61,905
Shareholders' Equity	PLN mil							3,286	5,969	6,119	6,152	6,389
Interbank Borrowing	PLN mil							8,513	14,427	15,937	16,390	13,089
Customer Deposits	PLN mil							19,633	32,186	30,130	32,878	37,762
Issued Debt Securities	PLN mil							860	1,868	558	2,581	2,483
ratios
ROE	%							9.97	-0.692	2.43	5.50	2.97
ROA	%							1.05	-0.073	0.272	0.603	0.309
Costs (As % Of Assets)	%	...						2.77	3.01	2.77	2.41	2.26
Costs (As % Of Income)	%	...						54.8	69.7	71.3	70.9	77.7
Capital Adequacy Ratio	%	...						10.9	12.0	12.4	12.9	13.6
Net Interest Margin	%							2.72	2.17	2.24	2.19	1.79
Interest Income (As % Of Revenues)	%							53.8	50.3	57.8	64.4	61.8
Fee Income (As % Of Revenues)	%							18.8	16.0	31.6	32.2	35.1
Staff Cost (As % Of Total Cost)	%	...						48.9	45.1	45.1	46.0	42.5
Equity (As % Of Assets)	%							10.0	10.9	11.5	10.5	10.3
Loans (As % Of Deposits)	%							117	123	125	121	104
Loans (As % Assets)	%							69.9	72.4	70.5	67.9	63.3
NPLs (As % Of Loans)	%	...						6.88	9.65	9.94	8.05	7.90
Provisions (As % Of NPLs)	%	...						54.7	73.1	72.7	62.1	64.2
valuation
Book Value Per Share Growth	%	...						6.63	15.9	27.6	1.02	-11.7

income statement	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	PLN mil							1,658	2,519	2,335	2,148	1,918
Interest Cost	PLN mil							839	1,607	1,122	924	837
Net Interest Income	PLN mil							820	950	1,212	1,224	1,081
Net Fee Income	PLN mil							286	303	663	613	614
Other Income	PLN mil							419	641	222	64.0	54.0
Total Revenues	PLN mil							1,525	1,889	2,097	1,901	1,749
Staff Cost	PLN mil	...						408	594	674	620	578
Depreciation	PLN mil	...						85.8	144	155	177	161
Other Cost	PLN mil							341	579	667	552	620
Operating Cost	PLN mil	...						835	1,316	1,495	1,349	1,359
Operating Profit	PLN mil	...						690	573	602	552	389
Provisions	PLN mil							251	543	362	107	187
Extra and Other Cost	PLN mil	...						0	< -0.001	< -0.001	0.001	-50.8
Pre-Tax Profit	PLN mil							439	35.0	240	446	253
Tax	PLN mil							99.0	22.0	57.0	109	67.2
Minorities	PLN mil							23.1	42.6	36.1	-0.741	0
Net Profit	PLN mil							317	-32.0	147	338	186
Dividends	PLN mil							10.6	18.0	20.0	...	...
growth rates
Net Interest Income Growth	%	...						6.63	15.9	27.6	1.02	-11.7
Net Fee Income Growth	%	...						11.0	5.94	119	-7.58	0.124
Total Revenue Growth	%	...						15.9	23.9	11.0	-9.33	-8.03
Operating Cost Growth	%	...	...					18.1	57.6	13.6	-9.77	0.773
Operating Profit Growth	%	...	...					13.2	-17.0	5.10	-8.26	-29.5
Pre-Tax Profit Growth	%	...						23.3	-92.0	586	85.7	-43.1
Net Profit Growth	%	...						30.3	-110	-559	130	-44.9
market share
Market Share in Revenues	%							2.66	3.23	3.78	3.30	3.14
Market Share in Net Profit	%							2.04	-0.207	0.969	2.13	1.66
Market Share in Employees	%	...	...	...	...	...	...	...	...	3.19	3.27	3.08
Market Share in Branches	%	...	...	...	...	...	...	...	...	2.39	2.31	2.33

balance sheet	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
balance sheet
Cash	PLN mil							1,123	3,100	2,422	2,684	2,704
Interbank Loans	PLN mil							280	246	368	655	1,326
Customer Loans	PLN mil							22,939	39,587	37,654	39,819	39,206
Retail Loans	PLN mil	...						7,367	27,301	25,456	24,188	23,890
Mortgage Loans	PLN mil	...	...	...	...	...	...	...	...	...	17,621	18,434
Consumer Loans	PLN mil	...	...	...	...	...	...	...	...	...	6,567	5,456
Corporate Loans	PLN mil	...						16,320	15,242	15,091	17,698	17,410
Debt Securities	PLN mil							7,504	9,882	11,107	13,791	16,412
Fixed Assets	PLN mil							378	915	931	892	828
Total Assets	PLN mil							32,822	54,668	53,401	58,648	61,905
Shareholders' Equity	PLN mil							3,286	5,969	6,119	6,152	6,389
Of Which Minority Interest	PLN mil							257	279	298	0.059	0
Liabilities	PLN mil							29,536	48,699	47,282	52,497	55,516
Interbank Borrowing	PLN mil							8,513	14,427	15,937	16,390	13,089
Customer Deposits	PLN mil							19,633	32,186	30,130	32,878	37,762
Retail Deposits	PLN mil	...						8,213	18,585	15,116	15,763	19,399
Corporate Deposits	PLN mil	...						11,392	13,591	15,008	17,115	18,363
Issued Debt Securities	PLN mil							860	1,868	558	2,581	2,483
Other Liabilities	PLN mil							530	219	657	648	2,181
asset quality
Non-Performing Loans	PLN mil	...						1,640	4,108	4,033	3,376	3,263
Gross Loans	PLN mil	...						23,836	42,590	40,587	41,915	41,300
Total Provisions	PLN mil	...						898	3,003	2,932	2,096	2,094
growth rates
Customer Loan Growth	%	...						17.0	72.6	-4.88	5.75	-1.54
Retail Loan Growth	%	...	...					4.45	271	-6.76	-4.98	-1.23
Mortgage Loan Growth	%	...	...	...	...	...	...	...	...	...	...	4.62
Consumer Loan Growth	%	...	...	...	...	...	...	...	...	...	...	-16.9
Corporate Loan Growth	%	...	...					24.0	-6.61	-0.991	17.3	-1.63
Total Asset Growth	%	...						19.3	66.6	-2.32	9.83	5.55
Shareholders' Equity Growth	%	...						6.84	81.7	2.51	0.538	3.86
Customer Deposit Growth	%	...						21.6	63.9	-6.39	9.12	14.9
Retail Deposit Growth	%	...	...					54.6	126	-18.7	4.29	23.1
Corporate Deposit Growth	%	...	...					6.01	19.3	10.4	14.0	7.29
market share
Market Share in Customer Loans	%	...	...	...	...	...		2.52	4.24	3.88	3.83	3.52
Market Share in Corporate Loans	%	...	...	...				6.18	5.60	5.43	5.88	5.34
Market Share in Retail Loans	%	...						1.35	4.98	4.44	3.97	3.71
Market Share in Consumer Loans	%	...	...	...	...	...	...	...	...	...	2.57	2.06
Market Share in Mortgage Loans	%	...	...	...	...	...	...	...	...	...	4.98	4.88
Market Share in Total Assets	%	...	...	...				2.60	4.15	3.89	3.92	3.96
Market Share in Customer Deposits	%	...	...	...	...	...		2.18	3.48	3.09	3.16	3.40
Market Share in Retail Deposits	%	...	...	...	...	...		1.86	3.88	2.99	2.83	3.17
Market Share in Corporate Deposits	%	...	...	...	...	...		4.48	5.63	5.66	5.87	5.71

ratios	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%							9.97	-0.692	2.43	5.50	2.97
ROA	%							1.05	-0.073	0.272	0.603	0.309
Costs (As % Of Assets)	%	...						2.77	3.01	2.77	2.41	2.26
Costs (As % Of Income)	%	...						54.8	69.7	71.3	70.9	77.7
Capital Adequacy Ratio	%	...						10.9	12.0	12.4	12.9	13.6
Tier 1 Ratio	%	...	...	...	...	...	...	...	...	...	12.2	13.0
Net Interest Margin	%							2.72	2.17	2.24	2.19	1.79
Interest Spread	%	...						2.39	1.65	1.98	1.98	1.63
Asset Yield	%							5.50	5.76	4.32	3.83	3.18
Cost Of Liabilities	%	...						3.11	4.11	2.34	1.85	1.55
Payout Ratio	%							3.35	-56.3	13.6	...	...
Interest Income (As % Of Revenues)	%							53.8	50.3	57.8	64.4	61.8
Fee Income (As % Of Revenues)	%							18.8	16.0	31.6	32.2	35.1
Other Income (As % Of Revenues)	%							27.5	33.9	10.6	3.37	3.09
Cost Per Employee	USD per month	...	...	...	...	...	...	...	...	3,191	2,797	2,456
Cost Per Employee (Local Currency)	PLN per month	...	...	...	...	...	...	...	...	10,085	9,165	9,138
Staff Cost (As % Of Total Cost)	%	...						48.9	45.1	45.1	46.0	42.5
Equity (As % Of Assets)	%							10.0	10.9	11.5	10.5	10.3
Loans (As % Of Deposits)	%							117	123	125	121	104
Loans (As % Assets)	%							69.9	72.4	70.5	67.9	63.3
NPLs (As % Of Loans)	%	...						6.88	9.65	9.94	8.05	7.90
Provisions (As % Of NPLs)	%	...						54.7	73.1	72.7	62.1	64.2
Provisions (As % Of Loans)	%	...						3.91	7.58	7.79	5.26	5.34
Cost of Provisions (As % Of Loans)	%							1.18	1.74	0.937	0.275	0.473

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Raiffeisen Bank Polska

Raiffeisen Polska's net profit rose 412% to PLN 75.6 mil in 2017

Raiffeisen Polska's net profit rose 412% to PLN 75.6 mil in 2017

Raiffeisen Polska's customer deposits fell 5.47% to PLN 34,341 mil in 2017

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Raiffeisen Polska's customer deposits fell 5.47% to PLN 34,341 mil in 2017

Raiffeisen Polska's retail deposits fell 4.75% to PLN 17,353 mil in 2017

Raiffeisen Polska's retail deposits fell 4.75% to PLN 17,353 mil in 2017

Raiffeisen Polska's corporate deposits fell 6.20% to PLN 16,988 mil in 2017

Raiffeisen Polska's corporate deposits fell 6.20% to PLN 16,988 mil in 2017

Raiffeisen Polska's npls (as % of loans) rose 5.88% to 8.35% in 2017

Raiffeisen Polska's npls (as % of loans) rose 5.88% to 8.35% in 2017

Raiffeisen Polska's costs (as % of assets) rose 4.32% to 2.03% in 2017

Raiffeisen Polska's costs (as % of assets) rose 4.32% to 2.03% in 2017

Raiffeisen Polska's customer loans fell 4.29% to PLN 32,413 mil in 2017

Finance

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other data	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Branches		...	...	...	...	...	...	...	...	370	326	334
Employees		...	...	...	...	...	...	...	...	5,569	5,638	5,271
Clients	mil	...	...	...	...	...	...	...	...	0.777	...	...	...	...