By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica made a net profit of HRK 8.64 mil under revenues of HRK 38.3 mil in 2017, up -24.3% and 14.3% respecti...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica made a net profit of HRK 8.64 mil under revenues of HRK 38.3 mil in 2017, up -24.3% and 14.3% respecti...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's non-performing loans reached 0.939% of total loans at the end of 2017, down from 1.09% compared ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HRK mil | 26.0 | 24.3 | 23.7 |
| Net Fee Income | HRK mil | 4.20 | 3.43 | 2.58 |
| Other Income | HRK mil | 5.58 | 5.81 | 12.0 |
| Total Revenues | HRK mil | 35.8 | 33.5 | 38.3 |
| Staff Cost | HRK mil | 12.5 | 9.52 | 10.6 |
| Operating Profit | HRK mil | 2.99 | 12.0 | 15.9 |
| Provisions | HRK mil | 0.600 | -0.528 | -1.05 |
| Net Profit | HRK mil | 2.39 | 11.4 | 8.64 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HRK mil | 107 | 69.4 | 24.8 |
| Customer Loans | HRK mil | 826 | 772 | 747 |
| Total Assets | HRK mil | 1,323 | 1,238 | 1,196 |
| Shareholders' Equity | HRK mil | 87.2 | 98.6 | 107 |
| Interbank Borrowing | HRK mil | 0 | 0 | 0 |
| Customer Deposits | HRK mil | 1,155 | 1,059 | 1,028 |
| Issued Debt Securities | HRK mil | 51.5 | 51.4 | 36.3 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 2.82 | 12.3 | 8.39 |
| ROA | % | 0.171 | 0.891 | 0.710 |
| Costs (As % Of Assets) | % | 2.35 | 1.68 | 1.83 |
| Costs (As % Of Income) | % | 91.6 | 64.1 | 58.4 |
| Capital Adequacy Ratio | % | 19.4 | 20.3 | 23.5 |
| Net Interest Margin | % | 1.87 | 1.89 | 1.95 |
| Loans (As % Of Deposits) | % | 71.5 | 72.9 | 72.7 |
| NPLs (As % Of Loans) | % | 0.123 | 1.09 | 0.939 |
| Provisions (As % Of NPLs) | % | 1,619 | 193 | 214 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -1.05 | -6.44 | 14.3 |
| Operating Cost Growth | % | -6.14 | -34.6 | 4.03 |
| Operating Profit Growth | % | 144 | 302 | 32.5 |
| Net Profit Growth | % | 466 | 377 | -24.3 |
| Customer Loan Growth | % | -12.6 | -6.58 | -3.19 |
| Total Asset Growth | % | -9.81 | -6.37 | -3.41 |
| Customer Deposit Growth | % | -10.8 | -8.34 | -2.88 |
| Shareholders' Equity Growth | % | 5.77 | 13.1 | 8.76 |
| Employees | 42.0 | 43.0 | 43.0 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Net Interest Income | HRK mil | 33.6 | 33.4 | 31.1 | 29.6 | 26.0 | |||||
| Total Revenues | HRK mil | 46.0 | 56.8 | 42.3 | 36.2 | 35.8 | |||||
| Operating Profit | HRK mil | -8.23 | 3.71 | 6.19 | 1.22 | 2.99 | |||||
| Net Profit | HRK mil | -7.90 | 4.42 | 5.73 | 0.422 | 2.39 | |||||
| balance sheet | |||||||||||
| Interbank Loans | HRK mil | 82.5 | 36.4 | 44.6 | 93.6 | 107 | |||||
| Customer Loans | HRK mil | 1,132 | 1,136 | 1,067 | 945 | 826 | |||||
| Debt Securities | HRK mil | 356 | 367 | 369 | 213 | 199 | |||||
| Total Assets | HRK mil | 1,719 | 1,676 | 1,582 | 1,466 | 1,323 | |||||
| Shareholders' Equity | HRK mil | 83.9 | 79.9 | 74.1 | 82.4 | 87.2 | |||||
| Interbank Borrowing | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Customer Deposits | HRK mil | 1,446 | 1,426 | 1,364 | 1,295 | 1,155 | |||||
| Issued Debt Securities | HRK mil | 51.3 | 51.4 | 51.5 | 51.6 | 51.5 | |||||
| ratios | |||||||||||
| ROE | % | -8.99 | 5.39 | 7.45 | 0.539 | 2.82 | |||||
| ROA | % | -0.459 | 0.260 | 0.352 | 0.028 | 0.171 | |||||
| Costs (As % Of Assets) | % | 3.15 | 3.13 | 2.22 | 2.29 | 2.35 | |||||
| Costs (As % Of Income) | % | 118 | 93.5 | 85.4 | 96.6 | 91.6 | |||||
| Capital Adequacy Ratio | % | 18.7 | 17.6 | 17.1 | 16.0 | 19.4 | |||||
| Net Interest Margin | % | 1.95 | 1.97 | 1.91 | 1.94 | 1.87 | |||||
| Interest Income (As % Of Revenues) | % | 73.0 | 58.8 | 73.5 | 81.8 | 72.7 | |||||
| Fee Income (As % Of Revenues) | % | 32.8 | 24.3 | 26.8 | 16.2 | 11.7 | |||||
| Staff Cost (As % Of Total Cost) | % | 44.4 | 38.7 | 48.1 | 46.2 | 38.1 | |||||
| Equity (As % Of Assets) | % | 4.88 | 4.77 | 4.69 | 5.62 | 6.59 | |||||
| Loans (As % Of Deposits) | % | 78.3 | 79.7 | 78.2 | 73.0 | 71.5 | |||||
| Loans (As % Assets) | % | 65.9 | 67.8 | 67.4 | 64.5 | 62.5 | |||||
| NPLs (As % Of Loans) | % | 0.374 | 0.537 | 0.291 | 0.472 | 0.123 | |||||
| Provisions (As % Of NPLs) | % | 280 | 191 | 502 | 360 | 1,619 | |||||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | 17.9 | -0.492 | -6.79 | -4.86 | -12.2 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Interest Income | HRK mil | 79.1 | 81.3 | 75.8 | 71.7 | 65.2 | |||||
| Interest Cost | HRK mil | 45.5 | 47.9 | 44.7 | 42.1 | 39.2 | |||||
| Net Interest Income | HRK mil | 33.6 | 33.4 | 31.1 | 29.6 | 26.0 | |||||
| Net Fee Income | HRK mil | 15.1 | 13.8 | 11.3 | 5.84 | 4.20 | |||||
| Other Income | HRK mil | -2.65 | 9.59 | -0.133 | 0.724 | 5.58 | |||||
| Total Revenues | HRK mil | 46.0 | 56.8 | 42.3 | 36.2 | 35.8 | |||||
| Staff Cost | HRK mil | 24.1 | 20.5 | 17.4 | 16.2 | 12.5 | |||||
| Depreciation | HRK mil | 6.84 | 7.04 | 2.20 | 2.03 | 1.89 | |||||
| Other Cost | HRK mil | 23.3 | 25.5 | 16.6 | 16.8 | 18.4 | |||||
| Operating Cost | HRK mil | 54.2 | 53.1 | 36.1 | 35.0 | 32.8 | |||||
| Operating Profit | HRK mil | -8.23 | 3.71 | 6.19 | 1.22 | 2.99 | |||||
| Provisions | HRK mil | -0.176 | 2.69 | 7.39 | 0.801 | 0.600 | |||||
| Extra and Other Cost | HRK mil | < -0.001 | < 0.001 | < -0.001 | < -0.001 | 0 | |||||
| Pre-Tax Profit | HRK mil | -8.05 | 1.02 | -1.20 | 0.422 | 2.39 | |||||
| Tax | HRK mil | -0.157 | 5.43 | 4.53 | 0 | 0 | |||||
| Minorities | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | HRK mil | -7.90 | 4.42 | 5.73 | 0.422 | 2.39 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | 17.9 | -0.492 | -6.79 | -4.86 | -12.2 | ||||
| Net Fee Income Growth | % | ... | 8.03 | -8.41 | -18.0 | -48.4 | -28.1 | ||||
| Total Revenue Growth | % | ... | 6.26 | 23.5 | -25.5 | -14.5 | -1.05 | ||||
| Operating Cost Growth | % | ... | -20.0 | -2.09 | -31.9 | -3.25 | -6.14 | ||||
| Operating Profit Growth | % | ... | -66.3 | -145 | 66.7 | -80.2 | 144 | ||||
| Pre-Tax Profit Growth | % | ... | -61.1 | -113 | -219 | -135 | 466 | ||||
| Net Profit Growth | % | ... | -62.2 | -156 | 29.8 | -92.6 | 466 | ||||
| market share | |||||||||||
| Market Share in Revenues | % | 0.286 | 0.383 | 0.294 | 0.250 | 0.246 | |||||
| Market Share in Net Profit | % | ... | ... | ... | 0.162 | 1.21 | 0.031 | ... | |||
| Market Share in Employees | % | 0.800 | 0.739 | 0.530 | 0.373 | 0.201 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||
| Cash | HRK mil | 4.82 | 10.7 | 10.3 | 2.01 | 6.85 | |||||
| Interbank Loans | HRK mil | 82.5 | 36.4 | 44.6 | 93.6 | 107 | |||||
| Customer Loans | HRK mil | 1,132 | 1,136 | 1,067 | 945 | 826 | |||||
| Debt Securities | HRK mil | 356 | 367 | 369 | 213 | 199 | |||||
| Fixed Assets | HRK mil | 13.5 | 8.87 | 7.24 | 5.14 | 4.11 | |||||
| Total Assets | HRK mil | 1,719 | 1,676 | 1,582 | 1,466 | 1,323 | |||||
| Shareholders' Equity | HRK mil | 83.9 | 79.9 | 74.1 | 82.4 | 87.2 | |||||
| Of Which Minority Interest | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | HRK mil | 1,635 | 1,596 | 1,508 | 1,384 | 1,235 | |||||
| Interbank Borrowing | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Customer Deposits | HRK mil | 1,446 | 1,426 | 1,364 | 1,295 | 1,155 | |||||
| Retail Deposits | HRK mil | 1,446 | 1,426 | 1,364 | 1,295 | 1,155 | |||||
| Corporate Deposits | HRK mil | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | HRK mil | 51.3 | 51.4 | 51.5 | 51.6 | 51.5 | |||||
| Other Liabilities | HRK mil | 138 | 119 | 92.2 | 37.5 | 28.8 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | HRK mil | 4.28 | 6.16 | 3.15 | 4.54 | 1.04 | |||||
| Gross Loans | HRK mil | 1,144 | 1,148 | 1,083 | 962 | 843 | |||||
| Total Provisions | HRK mil | 12.0 | 11.8 | 15.8 | 16.3 | 16.8 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 3.04 | 0.360 | -6.11 | -11.4 | -12.6 | ||||
| Total Asset Growth | % | ... | -0.087 | -2.50 | -5.63 | -7.29 | -9.81 | ||||
| Shareholders' Equity Growth | % | ... | -8.60 | -4.80 | -7.19 | 11.2 | 5.77 | ||||
| Customer Deposit Growth | % | ... | -0.617 | -1.39 | -4.36 | -5.06 | -10.8 | ||||
| Retail Deposit Growth | % | ... | -0.617 | -1.39 | -4.36 | -5.06 | -10.8 | ||||
| market share | |||||||||||
| Market Share in Customer Loans | % | 0.449 | 0.481 | 0.456 | 0.412 | 0.371 | |||||
| Market Share in Total Assets | % | 0.413 | 0.408 | 0.381 | 0.350 | 0.318 | |||||
| Market Share in Customer Deposits | % | 0.656 | 0.628 | 0.577 | 0.530 | 0.449 | |||||
| Market Share in Retail Deposits | % | 0.848 | 0.801 | 0.760 | 0.707 | 0.615 | |||||
| Market Share in Corporate Deposits | % | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||
| ROE | % | -8.99 | 5.39 | 7.45 | 0.539 | 2.82 | |||||
| ROA | % | -0.459 | 0.260 | 0.352 | 0.028 | 0.171 | |||||
| Costs (As % Of Assets) | % | 3.15 | 3.13 | 2.22 | 2.29 | 2.35 | |||||
| Costs (As % Of Income) | % | 118 | 93.5 | 85.4 | 96.6 | 91.6 | |||||
| Capital Adequacy Ratio | % | 18.7 | 17.6 | 17.1 | 16.0 | 19.4 | |||||
| Net Interest Margin | % | 1.95 | 1.97 | 1.91 | 1.94 | 1.87 | |||||
| Interest Spread | % | ... | 1.81 | 1.82 | 1.77 | 1.79 | 1.68 | ||||
| Asset Yield | % | 4.60 | 4.79 | 4.66 | 4.70 | 4.67 | |||||
| Cost Of Liabilities | % | ... | 2.79 | 2.97 | 2.88 | 2.91 | 2.99 | ||||
| Interest Income (As % Of Revenues) | % | 73.0 | 58.8 | 73.5 | 81.8 | 72.7 | |||||
| Fee Income (As % Of Revenues) | % | 32.8 | 24.3 | 26.8 | 16.2 | 11.7 | |||||
| Other Income (As % Of Revenues) | % | -5.77 | 16.9 | -0.314 | 2.00 | 15.6 | |||||
| Cost Per Employee | USD per month | 2,192 | 1,744 | 1,844 | 2,340 | 2,588 | |||||
| Cost Per Employee (Local Currency) | HRK per month | 11,455 | 10,685 | 12,585 | 17,036 | 24,835 | |||||
| Staff Cost (As % Of Total Cost) | % | 44.4 | 38.7 | 48.1 | 46.2 | 38.1 | |||||
| Equity (As % Of Assets) | % | 4.88 | 4.77 | 4.69 | 5.62 | 6.59 | |||||
| Loans (As % Of Deposits) | % | 78.3 | 79.7 | 78.2 | 73.0 | 71.5 | |||||
| Loans (As % Assets) | % | 65.9 | 67.8 | 67.4 | 64.5 | 62.5 | |||||
| NPLs (As % Of Loans) | % | 0.374 | 0.537 | 0.291 | 0.472 | 0.123 | |||||
| Provisions (As % Of NPLs) | % | 280 | 191 | 502 | 360 | 1,619 | |||||
| Provisions (As % Of Loans) | % | 1.06 | 1.04 | 1.48 | 1.73 | 2.03 | |||||
| Cost of Provisions (As % Of Loans) | % | -0.016 | 0.237 | 0.671 | 0.080 | 0.068 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||
| Employees | 175 | 160 | 115 | 79.0 | 42.0 |
Get all company financials in excel:
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's non-performing loans reached 0.939% of total loans at the end of 2017, down from 1.09% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.09% in 2016 and an all time low of 0.123% in 2015. P...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's customer loans reached HRK 747 mil in 2017, down 3.19% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Raiffeisen Stambena ...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's customer deposits reached HRK 1,028 mil in 2017, down 2.88% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 273 bil in 2017, up 2.57% when compared to the last year. Raiffeisen Stam...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's customer loans reached HRK 747 mil in 2017, down 3.19% compared to the previous year. Croatian banking sector provided customer loans of HRK 213 bil in 2017, down 0.828% when compared to the last year. Raiffeisen Stambena ...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's customer deposits reached HRK 1,028 mil in 2017, down 2.88% compared to the previous year. Croatian banking sector accepted customer deposits of HRK 273 bil in 2017, up 2.57% when compared to the last year. Raiffeisen Stam...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's retail deposits reached HRK 1,028 mil in 2017, down 2.88% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Raiffeisen Stamben...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's retail deposits reached HRK 1,028 mil in 2017, down 2.88% compared to the previous year. Croatian banking sector accepted retail deposits of HRK 190 bil in 2017, up 0.432% when compared to the last year. Raiffeisen Stamben...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's net interest margin amounted to 1.95% in 2017, up from 1.89% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.37% in 2009 and an all time low of 1.61% in 2010. The...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica generated total banking revenues of HRK 38.3 mil in 2017, up 14.3% compared to the previous year. Croatian banking sector banking sector generated total revenues of HRK 16,001 mil in 2017, down 1.51% when compared to the...
By Helgi Library - August 10, 2018
Raiffeisen Stambena Stedionica's net interest margin amounted to 1.95% in 2017, up from 1.89% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.37% in 2009 and an all time low of 1.61% in 2010. The...
Raiffeisen Stambena Stedionica has been growing its revenues and asset by % and % a year on average in the last 10 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached 72.7% at the end of 2017. The company achieved an average return on equity of -0.799% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 58.4% in 2017, compared to 97.0% average in the last decade.
Equity represented 8.96% of total assets or 14.3% of loans at the end of 2017. Raiffeisen Stambena Stedionica's non-performing loans were 0.939% of total loans while provisions covered some 214% of NPLs at the end of 2017.
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