By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna employed 76.0 persons in 2024-06-30, up 1.33% when compared to the previous year. Historically, t...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna employed 76.0 persons in 2024-06-30, up 1.33% when compared to the previous year. Historically, t...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil in the second quarter of 2024, down 49.2% when compared to the sa...
| Profit Statement | 2021 | 2022 | 2023 | |
| Net Interest Income | CZK mil | 940 | 887 | 1,059 |
| Net Fee Income | CZK mil | 204 | 239 | 205 |
| Other Income | CZK mil | -39.0 | 30.0 | -2.00 |
| Total Revenues | CZK mil | 1,105 | 1,156 | 1,262 |
| Staff Cost | CZK mil | 216 | 139 | 127 |
| Operating Profit | CZK mil | 483 | 531 | 619 |
| Provisions | CZK mil | -63.0 | 55.0 | -374 |
| Net Profit | CZK mil | 443 | 468 | 827 |
| Balance Sheet | 2021 | 2022 | 2023 | |
| Interbank Loans | CZK mil | 7,904 | 1,302 | 4,608 |
| Customer Loans | CZK mil | 64,332 | 70,383 | 69,254 |
| Investments | CZK mil | 4,749 | 3,850 | 5,682 |
| Total Assets | CZK mil | 78,990 | 77,286 | 81,186 |
| Shareholders' Equity | CZK mil | 5,415 | 5,883 | 8,310 |
| Interbank Borrowing | CZK mil | 2,002 | 7,763 | 12,033 |
| Customer Deposits | CZK mil | 70,231 | 62,146 | 59,434 |
| Issued Debt Securities | CZK mil | 602 | 602 | 602 |
| Ratios | 2021 | 2022 | 2023 | |
| ROE | % | 8.32 | 8.28 | 11.7 |
| ROA | % | 0.574 | 0.599 | 1.04 |
| Costs (As % Of Assets) | % | 0.806 | 0.800 | 0.811 |
| Costs (As % Of Income) | % | 56.3 | 54.1 | 51.0 |
| Capital Adequacy Ratio | % | 15.2 | 15.9 | 22.1 |
| Net Interest Margin | % | 1.22 | 1.14 | 1.34 |
| Loans (As % Of Deposits) | % | 91.6 | 113 | 117 |
| NPLs (As % Of Loans) | % | 0.994 | 0.899 | 1.11 |
| Provisions (As % Of NPLs) | % | 149 | 157 | 76.8 |
| Growth Rates | 2021 | 2022 | 2023 | |
| Total Revenue Growth | % | -5.56 | 4.62 | 9.17 |
| Operating Cost Growth | % | 9.89 | 0.482 | 2.88 |
| Operating Profit Growth | % | -20.0 | 9.94 | 16.6 |
| Net Profit Growth | % | 104 | 5.64 | 76.7 |
| Customer Loan Growth | % | 12.8 | 9.41 | -1.60 |
| Total Asset Growth | % | 4.89 | -2.16 | 5.05 |
| Customer Deposit Growth | % | 1.52 | -11.5 | -4.36 |
| Shareholders' Equity Growth | % | 3.56 | 8.64 | 41.3 |
| Employees | 91.0 | 90.0 | 83.0 | |
Get all company financials in excel:
| summary | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| income statement | ||||||||||||||||||||||||||
| Net Interest Income | CZK mil | 903 | 987 | 1,041 | 947 | 940 | ||||||||||||||||||||
| Total Revenues | CZK mil | 1,088 | 1,233 | 1,262 | 1,170 | 1,105 | ||||||||||||||||||||
| Operating Profit | CZK mil | 603 | 677 | 721 | 604 | 483 | ||||||||||||||||||||
| Net Profit | CZK mil | 444 | 516 | 536 | 217 | 443 | ||||||||||||||||||||
| balance sheet | ||||||||||||||||||||||||||
| Interbank Loans | CZK mil | 457 | 1,043 | 4,757 | 7,938 | 7,904 | ||||||||||||||||||||
| Customer Loans | CZK mil | 41,614 | 50,350 | 54,064 | 57,045 | 64,332 | ||||||||||||||||||||
| Investments | CZK mil | 16,496 | 15,443 | 10,993 | 8,255 | 4,749 | ||||||||||||||||||||
| Total Assets | CZK mil | 67,230 | 69,056 | 71,833 | 75,310 | 78,990 | ||||||||||||||||||||
| Shareholders' Equity | CZK mil | 4,771 | 4,768 | 5,012 | 5,229 | 5,415 | ||||||||||||||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 2,002 | ||||||||||||||||||||
| Customer Deposits | CZK mil | 61,211 | 63,533 | 65,762 | 69,182 | 70,231 | ||||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | 472 | 500 | 302 | 302 | 602 | ||||||||||||||||||
| ratios | ||||||||||||||||||||||||||
| ROE | % | ... | 9.29 | 10.8 | 11.0 | 4.24 | 8.32 | |||||||||||||||||||
| ROA | % | ... | 0.665 | 0.757 | 0.761 | 0.295 | 0.574 | |||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 0.727 | 0.816 | 0.768 | 0.769 | 0.806 | |||||||||||||||||||
| Costs (As % Of Income) | % | 44.6 | 45.1 | 42.9 | 48.4 | 56.3 | ||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | 16.0 | 14.5 | 15.6 | 17.2 | 15.2 | ||||||||||||||||||
| Net Interest Margin | % | ... | 1.35 | 1.45 | 1.48 | 1.29 | 1.22 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 83.0 | 80.1 | 82.5 | 80.9 | 85.1 | ||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 8.73 | 20.1 | 19.3 | 20.3 | 18.5 | ||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 50.3 | 45.5 | 50.5 | 51.9 | 34.7 | ||||||||||||||||||||
| Equity (As % Of Assets) | % | 7.10 | 6.90 | 6.98 | 6.94 | 6.86 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | 68.0 | 79.3 | 82.2 | 82.5 | 91.6 | ||||||||||||||||||||
| Loans (As % Assets) | % | 61.9 | 72.9 | 75.3 | 75.7 | 81.4 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 2.95 | 2.33 | 1.80 | 1.29 | 0.994 | ||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 77.9 | 94.7 | 98.1 | 141 | 149 | ||||||||||||||||||
| valuation | ||||||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | 4.27 | 9.32 | 5.46 | -9.03 | -0.739 |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| income statement | ||||||||||||||||||||||||||
| Interest Income | CZK mil | 1,792 | 1,828 | 1,904 | 1,834 | 1,833 | ||||||||||||||||||||
| Interest Cost | CZK mil | 889 | 841 | 863 | 887 | 893 | ||||||||||||||||||||
| Net Interest Income | CZK mil | 903 | 987 | 1,041 | 947 | 940 | ||||||||||||||||||||
| Net Fee Income | CZK mil | 95.0 | 247 | 244 | 237 | 204 | ||||||||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 336 | 336 | 347 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 92.0 | 99.0 | 143 | ||
| Other Income | CZK mil | 90.0 | -1.59 | -23.0 | -14.0 | -39.0 | ||||||||||||||||||||
| Total Revenues | CZK mil | 1,088 | 1,233 | 1,262 | 1,170 | 1,105 | ||||||||||||||||||||
| Staff Cost | CZK mil | 244 | 253 | 273 | 294 | 216 | ||||||||||||||||||||
| Depreciation | CZK mil | 43.0 | 50.5 | 87.0 | 95.0 | 99.0 | ||||||||||||||||||||
| Other Cost | CZK mil | 198 | 253 | 181 | 177 | 307 | ||||||||||||||||||||
| Operating Cost | CZK mil | 485 | 556 | 541 | 566 | 622 | ||||||||||||||||||||
| Operating Profit | CZK mil | 603 | 677 | 721 | 604 | 483 | ||||||||||||||||||||
| Provisions | CZK mil | 67.0 | 33.6 | 54.0 | 329 | -63.0 | ||||||||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0.439 | 0.011 | 0 | -8.00 | ||||||||||||||||||||
| Pre-Tax Profit | CZK mil | 536 | 643 | 667 | 275 | 554 | ||||||||||||||||||||
| Tax | CZK mil | 92.0 | 127 | 131 | 58.0 | 111 | ||||||||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||||
| Net Profit | CZK mil | 444 | 516 | 536 | 217 | 443 | ||||||||||||||||||||
| Net Profit Avail. to Common | CZK mil | 444 | 516 | 536 | 217 | 443 | ||||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | 300 | 300 | 0 | 217 | 0 | ... | ||||||||||||||||
| growth rates | ||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 4.27 | 9.32 | 5.46 | -9.03 | -0.739 | |||||||||||||||||||
| Net Fee Income Growth | % | ... | -34.9 | 160 | -1.34 | -2.87 | -13.9 | |||||||||||||||||||
| Total Revenue Growth | % | ... | 10.9 | 13.3 | 2.36 | -7.29 | -5.56 | |||||||||||||||||||
| Operating Cost Growth | % | ... | 3.19 | 14.7 | -2.72 | 4.62 | 9.89 | |||||||||||||||||||
| Operating Profit Growth | % | ... | 18.0 | 12.2 | 6.54 | -16.2 | -20.0 | |||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | -16.4 | 19.9 | 3.79 | -58.8 | 101 | |||||||||||||||||||
| Net Profit Growth | % | ... | -16.2 | 16.1 | 4.00 | -59.5 | 104 | |||||||||||||||||||
| market share | ||||||||||||||||||||||||||
| Market Share in Revenues | % | 0.607 | 0.648 | 0.624 | 0.648 | 0.599 | ||||||||||||||||||||
| Market Share in Net Profit | % | 0.600 | 0.643 | 0.598 | 0.470 | 0.642 | ||||||||||||||||||||
| Market Share in Employees | % | ... | ... | 0.640 | 0.638 | 0.644 | 0.651 | 0.229 | ||||||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.10 | 9.10 | 9.96 | 11.2 | 10.8 |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| balance sheet | ||||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 1,028 | 913 | 605 | 552 | 14.0 | ||||||||||||||||||||
| Interbank Loans | CZK mil | 457 | 1,043 | 4,757 | 7,938 | 7,904 | ||||||||||||||||||||
| Customer Loans | CZK mil | 41,614 | 50,350 | 54,064 | 57,045 | 64,332 | ||||||||||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37,059 | 45,305 | 49,903 | 51,845 | 59,793 | |||||
| Mortgage Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37,059 | 45,305 | 49,903 | 51,845 | 59,793 | |||||
| Consumer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,564 | 5,045 | 5,117 | 5,200 | 5,009 | |||||
| Investments | CZK mil | 16,496 | 15,443 | 10,993 | 8,255 | 4,749 | ||||||||||||||||||||
| Property and Equipment | CZK mil | 216 | 234 | 371 | 76.0 | 59.0 | ||||||||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 215 | 220 | 240 | ||
| Total Assets | CZK mil | 67,230 | 69,056 | 71,833 | 75,310 | 78,990 | ||||||||||||||||||||
| Shareholders' Equity | CZK mil | 4,771 | 4,768 | 5,012 | 5,229 | 5,415 | ||||||||||||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||
| Liabilities | CZK mil | 62,459 | 64,289 | 66,821 | 70,081 | 73,575 | ||||||||||||||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 2,002 | ||||||||||||||||||||
| Customer Deposits | CZK mil | 61,211 | 63,533 | 65,762 | 69,182 | 70,231 | ||||||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 60,795 | 63,533 | 64,415 | 67,756 | 69,607 | |||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 175 | 0 | 510 | 547 | 485 | |||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7,912 | 9,143 | 8,408 | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 57,850 | 60,039 | 61,823 | ||
| Issued Debt Securities | CZK mil | ... | ... | 472 | 500 | 302 | 302 | 602 | ||||||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 302 | 302 | 602 | ||
| Other Liabilities | CZK mil | ... | ... | 776 | 255 | 757 | 597 | 740 | ||||||||||||||||||
| asset quality | ||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 1,257 | 1,174 | 988 | 747 | 649 | ||||||||||||||||||
| Gross Loans | CZK mil | ... | ... | 42,594 | 50,350 | 55,033 | 58,097 | 65,296 | ||||||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26,799 | 29,570 | 29,285 | 29,663 | 35,217 | ||||||||
| Total Provisions | CZK mil | ... | ... | 979 | 1,111 | 969 | 1,052 | 964 | ||||||||||||||||||
| growth rates | ||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 8.21 | 21.0 | 7.38 | 5.51 | 12.8 | |||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.1 | 22.3 | 10.1 | 3.89 | 15.3 | ||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.1 | 22.3 | 10.1 | 3.89 | 15.3 | ||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -33.0 | 10.5 | 1.43 | 1.62 | -3.67 | ||||
| Total Asset Growth | % | ... | 1.49 | 2.72 | 4.02 | 4.84 | 4.89 | |||||||||||||||||||
| Shareholders' Equity Growth | % | ... | -0.285 | -0.076 | 5.12 | 4.33 | 3.56 | |||||||||||||||||||
| Customer Deposit Growth | % | ... | 0.647 | 3.79 | 3.51 | 5.20 | 1.52 | |||||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.49 | 4.50 | 1.39 | 5.19 | 2.73 | ||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -73.9 | -100 | ... | 7.25 | -11.3 | ||||
| market share | ||||||||||||||||||||||||||
| Market Share in Customer Loans | % | 1.35 | 1.52 | 1.57 | 1.59 | 1.67 | ||||||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.447 | 0.467 | 0.457 | 0.463 | 0.422 | |||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.43 | 2.76 | 2.86 | 2.79 | 2.93 | |||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.23 | 3.64 | 3.75 | 3.61 | 3.75 | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.960 | 0.949 | 0.950 | 0.945 | 0.927 | ||||||||||||
| Market Share in Customer Deposits | % | 1.47 | 1.43 | 1.39 | 1.34 | 1.28 | ||||||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.56 | 2.48 | 2.36 | 2.22 | 2.13 | |||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.018 | 0 | 0.047 | 0.045 | 0.037 |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| ROE | % | ... | 9.29 | 10.8 | 11.0 | 4.24 | 8.32 | |||||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.43 | 8.70 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.1 | 12.2 | 12.1 | 4.91 | 9.10 | |||||||
| ROA | % | ... | 0.665 | 0.757 | 0.761 | 0.295 | 0.574 | |||||||||||||||||||
| Return on Loans | % | 1.11 | 1.12 | 1.03 | 0.391 | 0.730 | ||||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.26 | 2.40 | 2.45 | 2.05 | 1.49 | |||||||
| Costs (As % Of Assets) | % | ... | 0.727 | 0.816 | 0.768 | 0.769 | 0.806 | |||||||||||||||||||
| Costs (As % Of Income) | % | 44.6 | 45.1 | 42.9 | 48.4 | 56.3 | ||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 1.21 | 1.21 | 1.04 | 1.02 | 1.02 | |||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.480 | 0.513 | 0.463 | 0.460 | 0.477 | |||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | 16.0 | 14.5 | 15.6 | 17.2 | 15.2 | ||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | 16.0 | 14.5 | 14.6 | 16.2 | 13.5 | ||||||||||||||||||
| Net Interest Margin | % | ... | 1.35 | 1.45 | 1.48 | 1.29 | 1.22 | |||||||||||||||||||
| Interest Spread | % | ... | 1.25 | 1.36 | 1.39 | 1.20 | 1.13 | |||||||||||||||||||
| Asset Yield | % | ... | 2.69 | 2.68 | 2.70 | 2.49 | 2.38 | |||||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.07 | 4.37 | 4.29 | 3.97 | 3.41 | |||||||
| Cost Of Liabilities | % | ... | 1.43 | 1.33 | 1.32 | 1.30 | 1.24 | |||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | 67.6 | 58.2 | 0 | 100 | 0 | ... | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 83.0 | 80.1 | 82.5 | 80.9 | 85.1 | ||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 8.73 | 20.1 | 19.3 | 20.3 | 18.5 | ||||||||||||||||||||
| Other Income (As % Of Revenues) | % | 8.27 | -0.129 | -1.82 | -1.20 | -3.53 | ||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 50.3 | 45.5 | 50.5 | 51.9 | 34.7 | ||||||||||||||||||||
| Equity (As % Of Assets) | % | 7.10 | 6.90 | 6.98 | 6.94 | 6.86 | ||||||||||||||||||||
| Equity (As % Of Loans) | % | 11.5 | 9.47 | 9.27 | 9.17 | 8.42 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | 68.0 | 79.3 | 82.2 | 82.5 | 91.6 | ||||||||||||||||||||
| Loans (As % Assets) | % | 61.9 | 72.9 | 75.3 | 75.7 | 81.4 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 2.95 | 2.33 | 1.80 | 1.29 | 0.994 | ||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 77.9 | 94.7 | 98.1 | 141 | 149 | ||||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 2.35 | 2.21 | 1.79 | 1.84 | 1.50 | ||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.167 | 0.073 | 0.103 | 0.592 | -0.104 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 177 | 178 | 189 | 188 | 173 | |||||||||||
| Employees | ... | ... | 268 | 267 | 268 | 265 | 91.0 | |||||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.51 | 1.50 | 1.42 | 1.41 | 0.526 | |||||||||||
| Cost Per Employee | USD per month | ... | ... | 3,233 | 3,607 | 3,766 | 4,202 | 9,128 | ||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | 75,871 | 78,907 | 84,888 | 92,453 | 197,802 |
| customer breakdown | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| Customers | mil | ... | ... | 0.560 | 0.557 | 0.584 | 0.600 | 0.600 | ||||||||||||||||||
| Number of Accounts | mil | ... | ... | 0.560 | 0.557 | 0.584 | 0.600 | 0.600 | ||||||||||||||||||
| Number of Primary Customers | mil | ... | ... | 0.099 | 0.100 | 0.095 | 0.088 | 0.083 | ||||||||||||||||||
| Number of Mortgages | mil | ... | ... | 0.099 | 0.100 | 0.095 | 0.088 | 0.083 | ||||||||||||||||||
| Average Size of Deposit | CZK | ... | ... | 109,376 | 114,144 | 112,668 | 115,276 | 117,139 | ||||||||||||||||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 376,071 | 452,916 | 524,701 | 589,241 | 719,557 | |||||
| Accounts (As % of Total Clients) | % | ... | ... | 100 | 100 | 100 | 100 | 100 | ||||||||||||||||||
| Primary (As % of Total Clients) | % | ... | ... | 17.6 | 18.0 | 16.3 | 14.7 | 13.9 | ||||||||||||||||||
| Mortgages (As % of Total Clients) | % | ... | ... | 17.6 | 18.0 | 16.3 | 14.7 | 13.9 | ||||||||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | 1,944 | 2,215 | 2,162 | 1,950 | 1,843 | ||||||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | 793 | 926 | 919 | 362 | 739 | ||||||||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | 74,360 | 90,459 | 92,626 | 95,053 | 107,300 | ||||||||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | 109,376 | 114,144 | 112,668 | 115,276 | 117,139 | ||||||||||||||||||
| Revenue per Customer | USD | ... | ... | 82.9 | 101 | 95.9 | 88.6 | 85.1 | ||||||||||||||||||
| Net Profit per Customer | USD | ... | ... | 33.8 | 42.3 | 40.8 | 16.4 | 34.1 | ||||||||||||||||||
| Loan per Customer | USD | ... | ... | 3,493 | 4,026 | 4,095 | 4,444 | 4,888 | ||||||||||||||||||
| Deposit per Customer | USD | ... | ... | 5,137 | 5,081 | 4,981 | 5,390 | 5,336 |
Get all company financials in excel:
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil in the second quarter of 2024, down 49.2% when compared to the same period of last year. This implies a return on equity of 10.2%. Historically, the bank’s net profit reached an all time high of CZK ...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil under revenues of CZK 346 mil in the second quarter of 2024, down 49.2% and up 16.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an al...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil under revenues of CZK 346 mil in the second quarter of 2024, down 49.2% and up 16.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an al...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 24.4% at the end of second quarter of 2024, up from 22.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.4% in 2Q2024 and an all time low of 9....
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 24.4% at the end of second quarter of 2024, up from 22.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.4% in 2Q2024 and an all time low of 9....
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 64,347 mil in 2Q2024, down 0.131% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,778 bil in 2Q2024, up 1.34% when compared to the last year. Raiffeisen Stave...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 64,347 mil in 2Q2024, down 0.131% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,778 bil in 2Q2024, up 1.34% when compared to the last year. Raiffeisen Stave...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's non-performing loans reached 1.12% of total loans at the end of 2024-06-30, up from 1.02% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.57% in 2015-03-31 and an all time low of 0.899% in 2022...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's non-performing loans reached 1.12% of total loans at the end of 2024-06-30, up from 1.02% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.57% in 2015-03-31 and an all time low of 0.899% in 2022...
By Helgi Library - September 9, 2024
Raiffeisen Stavebni Sporitelna's customer loans reached CZK 68,849 mil in 2024-03-31, down 0.585% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Raiffeis...
Raiffeisen Stavebni is one of the five building savings banks operating in the Czech Republic. It is partly owned by the Czech subsidiary of Raiffeisenbank (10%) with the rest in the hands of Raiffeisen Bausparkasse. Following the acquisition of Hypo Stavební Spořitelna in 2008, the building savings bank owned some 15% of building savings loans and deposits. It cooperates with Raiffeisenbank and operates through a network of 200 selling points.
Raiffeisen Stavebni Sporitelna has been growing its revenues and asset by 0.683% and -0.088% a year on average in the last 10 years. Its loans and deposits have grown by 5.87% and -2.40% a year during that time and loans to deposits ratio reached 117% at the end of 2023. The company achieved an average return on equity of 9.16% in the last decade with net profit growing 6.66% a year on average. In terms of operating efficiency, its cost to income ratio reached 51.0% in 2023, compared to 48.1% average in the last decade.
Equity represented 10.2% of total assets or 12.0% of loans at the end of 2023. Raiffeisen Stavebni Sporitelna's non-performing loans were 1.11% of total loans while provisions covered some 76.8% of NPLs at the end of 2023.
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