By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's mortgage loans reached CZK 138,502 mil in 2Q2024, up 4.45% compared to the previous year. Czech...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's mortgage loans reached CZK 138,502 mil in 2Q2024, up 4.45% compared to the previous year. Czech...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's customer deposits reached CZK 591,679 mil in 2024-03-31, up 9.80% compared to the previous year. ...
| Profit Statement | 2021 | 2022 | 2023 | |
| Net Interest Income | CZK mil | 10,156 | 15,758 | 15,409 |
| Net Fee Income | CZK mil | 3,961 | 4,994 | 4,677 |
| Other Income | CZK mil | -233 | -20.0 | 426 |
| Total Revenues | CZK mil | 13,884 | 20,732 | 20,512 |
| Staff Cost | CZK mil | 4,131 | 4,399 | 4,476 |
| Operating Profit | CZK mil | 5,344 | 10,593 | 10,804 |
| Provisions | CZK mil | 0 | -145 | 975 |
| Net Profit | CZK mil | 4,770 | 8,804 | 7,494 |
| Balance Sheet | 2021 | 2022 | 2023 | |
| Interbank Loans | CZK mil | 197,963 | 160,048 | 152,950 |
| Customer Loans | CZK mil | 371,751 | 412,736 | 429,589 |
| Investments | CZK mil | 41,150 | 51,617 | 99,719 |
| Total Assets | CZK mil | 651,008 | 666,382 | 739,750 |
| Shareholders' Equity | CZK mil | 45,925 | 54,145 | 58,694 |
| Interbank Borrowing | CZK mil | 13,107 | 10,669 | 23,719 |
| Customer Deposits | CZK mil | 553,090 | 550,061 | 593,995 |
| Issued Debt Securities | CZK mil | 25,510 | 29,715 | 41,544 |
| Ratios | 2021 | 2022 | 2023 | |
| ROE | % | 11.5 | 17.6 | 13.3 |
| ROA | % | 0.842 | 1.34 | 1.07 |
| Costs (As % Of Assets) | % | 1.51 | 1.54 | 1.38 |
| Costs (As % Of Income) | % | 61.5 | 48.9 | 47.3 |
| Capital Adequacy Ratio | % | 26.1 | 21.0 | 24.0 |
| Net Interest Margin | % | 1.79 | 2.39 | 2.19 |
| Loans (As % Of Deposits) | % | 67.2 | 75.0 | 72.3 |
| NPLs (As % Of Loans) | % | 1.80 | 1.39 | 1.47 |
| Provisions (As % Of NPLs) | % | 81.0 | 90.1 | 88.2 |
| Growth Rates | 2021 | 2022 | 2023 | |
| Total Revenue Growth | % | 52.7 | 49.3 | -1.06 |
| Operating Cost Growth | % | 24.1 | 18.7 | -4.25 |
| Operating Profit Growth | % | 142 | 98.2 | 1.99 |
| Net Profit Growth | % | 114 | 84.6 | -14.9 |
| Customer Loan Growth | % | 49.2 | 11.0 | 4.08 |
| Total Asset Growth | % | 35.1 | 2.36 | 11.0 |
| Customer Deposit Growth | % | 37.3 | -0.548 | 7.99 |
| Shareholders' Equity Growth | % | 24.7 | 17.9 | 8.40 |
| Employees | 3,801 | 3,358 | 3,208 | |
Get all company financials in excel:
| summary | Unit | 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 | 6,564 | 7,665 | 9,047 | 7,849 | 10,156 | |||||||||||||||
| Total Revenues | CZK mil | 11,338 | 11,872 | 11,874 | 9,090 | 13,884 | |||||||||||||||
| Operating Profit | CZK mil | 4,860 | 5,551 | 4,666 | 2,209 | 5,344 | |||||||||||||||
| Net Profit | CZK mil | 3,084 | 3,815 | 4,731 | 2,224 | 4,770 | |||||||||||||||
| balance sheet | |||||||||||||||||||||
| Interbank Loans | CZK mil | 103,588 | 99,528 | 87,242 | 107,619 | 197,963 | |||||||||||||||
| Customer Loans | CZK mil | 218,987 | 236,604 | 246,644 | 249,083 | 371,751 | |||||||||||||||
| Investments | CZK mil | 1,067 | 10,785 | 4,777 | 43,237 | 41,150 | |||||||||||||||
| Total Assets | CZK mil | 342,699 | 366,158 | 370,715 | 482,000 | 651,008 | |||||||||||||||
| Shareholders' Equity | CZK mil | 27,905 | 29,900 | 32,703 | 36,814 | 45,925 | |||||||||||||||
| Interbank Borrowing | CZK mil | 31,372 | 34,402 | 21,961 | 12,201 | 13,107 | |||||||||||||||
| Customer Deposits | CZK mil | 251,732 | 270,921 | 290,691 | 402,776 | 553,090 | |||||||||||||||
| Issued Debt Securities | CZK mil | 22,186 | 22,177 | 16,001 | 17,614 | 25,510 | |||||||||||||||
| ratios | |||||||||||||||||||||
| ROE | % | ... | 11.6 | 13.2 | 15.1 | 6.40 | 11.5 | ||||||||||||||
| ROA | % | ... | 0.933 | 1.08 | 1.28 | 0.522 | 0.842 | ||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.96 | 1.78 | 1.96 | 1.61 | 1.51 | ||||||||||||||
| Costs (As % Of Income) | % | 57.1 | 53.2 | 60.7 | 75.7 | 61.5 | |||||||||||||||
| Capital Adequacy Ratio | % | 17.7 | 16.9 | 18.7 | 22.8 | 26.1 | |||||||||||||||
| Net Interest Margin | % | ... | 1.99 | 2.16 | 2.46 | 1.84 | 1.79 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 57.9 | 64.6 | 76.2 | 86.3 | 73.1 | |||||||||||||||
| Fee Income (As % Of Revenues) | % | 17.7 | 16.7 | 28.0 | 34.3 | 28.5 | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 50.9 | 51.4 | 49.5 | 49.4 | 48.4 | |||||||||||||||
| Equity (As % Of Assets) | % | 8.14 | 8.17 | 8.82 | 7.64 | 7.05 | |||||||||||||||
| Loans (As % Of Deposits) | % | 87.0 | 87.3 | 84.8 | 61.8 | 67.2 | |||||||||||||||
| Loans (As % Assets) | % | 63.9 | 64.6 | 66.5 | 51.7 | 57.1 | |||||||||||||||
| NPLs (As % Of Loans) | % | 2.46 | 1.91 | 1.97 | 2.30 | 1.80 | |||||||||||||||
| Provisions (As % Of NPLs) | % | 91.7 | 96.9 | 75.9 | 84.6 | 81.0 | |||||||||||||||
| valuation | |||||||||||||||||||||
| Book Value Per Share Growth | % | ... | 4.42 | 16.8 | 18.0 | -13.2 | 29.4 |
| income statement | Unit | 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 | 9,417 | 12,121 | 16,083 | 10,396 | 12,666 | |||||||||||||||
| Interest Cost | CZK mil | 2,853 | 4,456 | 7,036 | 2,547 | 2,510 | |||||||||||||||
| Net Interest Income | CZK mil | 6,564 | 7,665 | 9,047 | 7,849 | 10,156 | |||||||||||||||
| Net Fee Income | CZK mil | 2,004 | 1,980 | 3,321 | 3,114 | 3,961 | |||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,313 | 4,042 | 5,145 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 992 | 928 | 1,184 | ||
| Other Income | CZK mil | 2,770 | 2,226 | -494 | -1,873 | -233 | |||||||||||||||
| Total Revenues | CZK mil | 11,338 | 11,872 | 11,874 | 9,090 | 13,884 | |||||||||||||||
| Staff Cost | CZK mil | 3,299 | 3,252 | 3,569 | 3,399 | 4,131 | |||||||||||||||
| Depreciation | CZK mil | 760 | 842 | 1,505 | 1,423 | 1,719 | |||||||||||||||
| Other Cost | CZK mil | 2,418 | 2,227 | 2,134 | 2,059 | 2,690 | |||||||||||||||
| Operating Cost | CZK mil | 6,478 | 6,321 | 7,208 | 6,881 | 8,540 | |||||||||||||||
| Operating Profit | CZK mil | 4,860 | 5,551 | 4,666 | 2,209 | 5,344 | |||||||||||||||
| Provisions | CZK mil | 399 | 880 | 333 | 88.0 | 0 | |||||||||||||||
| Extra and Other Cost | CZK mil | -7.56 | -13.6 | -1,263 | -628 | -621 | |||||||||||||||
| Pre-Tax Profit | CZK mil | 4,469 | 4,684 | 5,596 | 2,749 | 5,965 | |||||||||||||||
| Tax | CZK mil | 1,211 | 869 | 865 | 525 | 1,195 | |||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Net Profit | CZK mil | 3,084 | 3,815 | 4,731 | 2,224 | 4,770 | |||||||||||||||
| Net Profit Avail. to Common | CZK mil | 3,084 | 3,815 | 4,731 | 2,224 | 4,770 | |||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ||
| growth rates | |||||||||||||||||||||
| Net Interest Income Growth | % | ... | 4.42 | 16.8 | 18.0 | -13.2 | 29.4 | ||||||||||||||
| Net Fee Income Growth | % | ... | 18.2 | -1.19 | 67.7 | -6.23 | 27.2 | ||||||||||||||
| Total Revenue Growth | % | ... | 10.3 | 4.71 | 0.020 | -23.4 | 52.7 | ||||||||||||||
| Operating Cost Growth | % | ... | 5.97 | -2.42 | 14.0 | -4.54 | 24.1 | ||||||||||||||
| Operating Profit Growth | % | ... | 16.6 | 14.2 | -15.9 | -52.7 | 142 | ||||||||||||||
| Pre-Tax Profit Growth | % | ... | 36.0 | 4.81 | 19.5 | -50.9 | 117 | ||||||||||||||
| Net Profit Growth | % | ... | 18.4 | 23.7 | 24.0 | -53.0 | 114 | ||||||||||||||
| market share | |||||||||||||||||||||
| Market Share in Revenues | % | 6.33 | 6.24 | 5.87 | 5.04 | 7.53 | |||||||||||||||
| Market Share in Net Profit | % | 4.17 | 4.76 | 5.27 | 4.82 | 6.91 | |||||||||||||||
| Market Share in Employees | % | 6.92 | 7.10 | 7.13 | 6.63 | 9.57 | |||||||||||||||
| Market Share in Branches | % | 6.38 | 6.55 | 6.74 | 7.08 | 6.64 |
| balance sheet | Unit | 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 | 10,363 | 12,106 | 14,135 | 5,852 | 9,461 | |||||||||||||||
| Interbank Loans | CZK mil | 103,588 | 99,528 | 87,242 | 107,619 | 197,963 | |||||||||||||||
| Customer Loans | CZK mil | 218,987 | 236,604 | 246,644 | 249,083 | 371,751 | |||||||||||||||
| Retail Loans | CZK mil | 107,641 | 114,994 | 119,308 | 120,871 | 228,585 | |||||||||||||||
| Mortgage Loans | CZK mil | 86,789 | 93,528 | 95,242 | 96,094 | 98,547 | |||||||||||||||
| Consumer Loans | CZK mil | 20,852 | 21,465 | 24,066 | 24,777 | 130,038 | |||||||||||||||
| Corporate Loans | CZK mil | 108,194 | 115,847 | 133,454 | 131,928 | 134,223 | |||||||||||||||
| Investments | CZK mil | 1,067 | 10,785 | 4,777 | 43,237 | 41,150 | |||||||||||||||
| Property and Equipment | CZK mil | 4,270 | 4,779 | 6,936 | 4,098 | 4,199 | |||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7,937 | 3,247 | 6,180 | ||
| Total Assets | CZK mil | 342,699 | 366,158 | 370,715 | 482,000 | 651,008 | |||||||||||||||
| Shareholders' Equity | CZK mil | 27,905 | 29,900 | 32,703 | 36,814 | 45,925 | |||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||
| Liabilities | CZK mil | 314,794 | 336,258 | 338,012 | 445,186 | 605,083 | |||||||||||||||
| Interbank Borrowing | CZK mil | 31,372 | 34,402 | 21,961 | 12,201 | 13,107 | |||||||||||||||
| Customer Deposits | CZK mil | 251,732 | 270,921 | 290,691 | 402,776 | 553,090 | |||||||||||||||
| Retail Deposits | CZK mil | 140,422 | 154,539 | 166,958 | 260,993 | 376,420 | |||||||||||||||
| Corporate Deposits | CZK mil | 96,895 | 99,549 | 101,748 | 125,617 | 154,803 | |||||||||||||||
| Sight Deposits | CZK mil | 227,863 | 242,944 | 257,938 | 336,583 | 448,505 | |||||||||||||||
| Term Deposits | CZK mil | 23,869 | 27,977 | 32,753 | 66,193 | 104,585 | |||||||||||||||
| Issued Debt Securities | CZK mil | 22,186 | 22,177 | 16,001 | 17,614 | 25,510 | |||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,309 | 4,561 | 5,526 | ||
| Other Liabilities | CZK mil | 9,504 | 8,760 | 9,359 | 12,595 | 13,376 | |||||||||||||||
| asset quality | |||||||||||||||||||||
| Non-Performing Loans | CZK mil | 5,510 | 4,594 | 4,942 | 7,008 | 6,776 | |||||||||||||||
| Gross Loans | CZK mil | 224,039 | 241,056 | 250,396 | 304,681 | 377,239 | |||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 111,400 | 159,225 | 164,567 | 161,404 | 174,540 | |||||
| Total Provisions | CZK mil | 5,052 | 4,451 | 3,752 | 5,931 | 5,488 | |||||||||||||||
| growth rates | |||||||||||||||||||||
| Customer Loan Growth | % | ... | 5.44 | 8.04 | 4.24 | 0.989 | 49.2 | ||||||||||||||
| Retail Loan Growth | % | ... | 9.83 | 6.83 | 3.75 | 1.31 | 89.1 | ||||||||||||||
| Mortgage Loan Growth | % | ... | 8.42 | 7.77 | 1.83 | 0.894 | 2.55 | ||||||||||||||
| Consumer Loan Growth | % | ... | 16.1 | 2.94 | 12.1 | 2.96 | 425 | ||||||||||||||
| Corporate Loan Growth | % | ... | -5.67 | 7.07 | 15.2 | -1.14 | 1.74 | ||||||||||||||
| Total Asset Growth | % | ... | 7.67 | 6.85 | 1.24 | 30.0 | 35.1 | ||||||||||||||
| Shareholders' Equity Growth | % | ... | 11.3 | 7.15 | 9.37 | 12.6 | 24.7 | ||||||||||||||
| Customer Deposit Growth | % | ... | 10.7 | 7.62 | 7.30 | 38.6 | 37.3 | ||||||||||||||
| Retail Deposit Growth | % | ... | 22.4 | 10.1 | 8.04 | 56.3 | 44.2 | ||||||||||||||
| Corporate Deposit Growth | % | ... | -12.4 | 2.74 | 2.21 | 23.5 | 23.2 | ||||||||||||||
| market share | |||||||||||||||||||||
| Market Share in Customer Loans | % | 7.10 | 7.16 | 7.15 | 6.93 | 9.66 | |||||||||||||||
| Market Share in Corporate Loans | % | 10.6 | 10.7 | 11.9 | 11.7 | 11.3 | |||||||||||||||
| Market Share in Retail Loans | % | 7.05 | 7.00 | 6.84 | 6.50 | 11.2 | |||||||||||||||
| Market Share in Consumer Loans | % | 5.50 | 5.41 | 5.79 | 5.86 | 29.0 | |||||||||||||||
| Market Share in Mortgage Loans | % | 7.56 | 7.51 | 7.16 | 6.69 | 6.18 | |||||||||||||||
| Market Share in Total Assets | % | ... | ... | ... | 4.89 | 5.03 | 4.90 | 6.05 | 7.64 | ||||||||||||
| Market Share in Customer Deposits | % | 6.04 | 6.09 | 6.13 | 7.80 | 10.1 | |||||||||||||||
| Market Share in Retail Deposits | % | 5.92 | 6.04 | 6.13 | 8.54 | 11.5 | |||||||||||||||
| Market Share in Corporate Deposits | % | 9.72 | 9.56 | 9.29 | 10.3 | 11.8 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| ROE | % | ... | 11.6 | 13.2 | 15.1 | 6.40 | 11.5 | ||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.63 | 13.0 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18.7 | 18.8 | 19.5 | 9.10 | 18.9 | ||||
| ROA | % | ... | 0.933 | 1.08 | 1.28 | 0.522 | 0.842 | ||||||||||||||
| Return on Loans | % | 1.45 | 1.67 | 1.96 | 0.897 | 1.54 | |||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.42 | 4.10 | 2.88 | 1.36 | 3.18 | ||||
| Costs (As % Of Assets) | % | ... | 1.96 | 1.78 | 1.96 | 1.61 | 1.51 | ||||||||||||||
| Costs (As % Of Income) | % | 57.1 | 53.2 | 60.7 | 75.7 | 61.5 | |||||||||||||||
| Costs (As % Of Loans) | % | ... | 3.04 | 2.77 | 2.98 | 2.78 | 2.75 | ||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.43 | 1.29 | 1.38 | 1.16 | 1.08 | ||||||||||||||
| Capital Adequacy Ratio | % | 17.7 | 16.9 | 18.7 | 22.8 | 26.1 | |||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | 16.1 | 14.9 | 16.5 | 19.6 | 23.1 | |||||||||
| Net Interest Margin | % | ... | 1.99 | 2.16 | 2.46 | 1.84 | 1.79 | ||||||||||||||
| Interest Spread | % | ... | 1.91 | 2.05 | 2.28 | 1.79 | 1.76 | ||||||||||||||
| Asset Yield | % | ... | 2.85 | 3.42 | 4.37 | 2.44 | 2.24 | ||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.3 | 8.77 | 7.33 | 5.58 | 8.27 | ||||
| Cost Of Liabilities | % | ... | 0.939 | 1.37 | 2.09 | 0.650 | 0.478 | ||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ||
| Interest Income (As % Of Revenues) | % | 57.9 | 64.6 | 76.2 | 86.3 | 73.1 | |||||||||||||||
| Fee Income (As % Of Revenues) | % | 17.7 | 16.7 | 28.0 | 34.3 | 28.5 | |||||||||||||||
| Other Income (As % Of Revenues) | % | 24.4 | 18.8 | -4.16 | -20.6 | -1.68 | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 50.9 | 51.4 | 49.5 | 49.4 | 48.4 | |||||||||||||||
| Equity (As % Of Assets) | % | 8.14 | 8.17 | 8.82 | 7.64 | 7.05 | |||||||||||||||
| Equity (As % Of Loans) | % | 12.7 | 12.6 | 13.3 | 14.8 | 12.4 | |||||||||||||||
| Loans (As % Of Deposits) | % | 87.0 | 87.3 | 84.8 | 61.8 | 67.2 | |||||||||||||||
| Loans (As % Assets) | % | 63.9 | 64.6 | 66.5 | 51.7 | 57.1 | |||||||||||||||
| NPLs (As % Of Loans) | % | 2.46 | 1.91 | 1.97 | 2.30 | 1.80 | |||||||||||||||
| Provisions (As % Of NPLs) | % | 91.7 | 96.9 | 75.9 | 84.6 | 81.0 | |||||||||||||||
| Provisions (As % Of Loans) | % | 2.31 | 1.88 | 1.52 | 2.38 | 1.48 | |||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.187 | 0.386 | 0.138 | 0.036 | 0 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| Branches | 124 | 128 | 128 | 119 | 106 | ||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 53.0 | 88.0 | 106 | ... | ... | ... | ... | |||
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 42.7 | 68.8 | 82.8 | ... | ... | ... | ... | ||
| Employees | 2,900 | 2,972 | 2,966 | 2,699 | 3,801 | ||||||||||||||||
| Employees Per Bank Branch | 23.4 | 23.2 | 23.2 | 22.7 | 35.9 | ||||||||||||||||
| Cost Per Employee | USD per month | 4,040 | 4,168 | 4,449 | 4,769 | 4,180 | |||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 94,794 | 91,186 | 100,289 | 104,946 | 90,568 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| Customers | mil | 1.14 | 1.14 | 1.21 | 1.25 | 1.99 | |||||||||||||||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.062 | 0.064 | 0.066 | 0.067 | ... | ... | ... | ||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,393,000 | 1,451,000 | 1,444,000 | 1,444,000 | ... | ... | ... | ||||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.46 | 5.63 | 5.45 | 5.31 | ... | ... | ... | ||||
| Revenue per Customer (Local Currency) | CZK | 9,939 | 10,369 | 9,817 | 7,252 | 6,993 | |||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | 2,703 | 3,332 | 3,912 | 1,774 | 2,403 | |||||||||||||||
| Loan per Customer (Local Currency) | CZK | 191,973 | 206,666 | 203,917 | 198,732 | 187,245 | |||||||||||||||
| Deposit per Customer (Local Currency) | CZK | 220,678 | 236,640 | 240,334 | 321,357 | 278,583 | |||||||||||||||
| Revenue per Customer | USD | 424 | 474 | 435 | 330 | 323 | |||||||||||||||
| Net Profit per Customer | USD | 115 | 152 | 174 | 80.6 | 111 | |||||||||||||||
| Loan per Customer | USD | 9,017 | 9,199 | 9,015 | 9,292 | 8,530 | |||||||||||||||
| Deposit per Customer | USD | 10,365 | 10,533 | 10,624 | 15,026 | 12,691 |
Get all company financials in excel:
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's customer deposits reached CZK 591,679 mil in 2024-03-31, up 9.80% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,196 bil in 2024-03-31, up 7.39% when compared to the last year. Raiff...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's customer loans reached CZK 371,128 mil in 2024-03-31, up 1.33% 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. Raiffeisenb...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's customer loans reached CZK 371,128 mil in 2024-03-31, up 1.33% 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. Raiffeisenb...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic made a net profit of CZK 1,637 mil in the second quarter of 2024, up 8.59% when compared to the same period of last year. This implies a return on equity of 12.9%. Historically, the bank’s net profit reached an all time high of CZK 2...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic made a net profit of CZK 1,637 mil in the second quarter of 2024, up 8.59% when compared to the same period of last year. This implies a return on equity of 12.9%. Historically, the bank’s net profit reached an all time high of CZK 2...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic made a net profit of CZK 1,637 mil under revenues of CZK 4,090 mil in the second quarter of 2024, up 8.59% and down 6.89% respectively when compared to the same period last year. Historically, the bank’s net profit reached an...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic made a net profit of CZK 1,637 mil under revenues of CZK 4,090 mil in the second quarter of 2024, up 8.59% and down 6.89% respectively when compared to the same period last year. Historically, the bank’s net profit reached an...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's non-performing loans reached 1.43% of total loans at the end of 2024-06-30, down from 1.45% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.29% in 2010-09-30 and an all time low of 1.43% in 2024...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's non-performing loans reached 1.43% of total loans at the end of 2024-06-30, down from 1.45% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.29% in 2010-09-30 and an all time low of 1.43% in 2024...
By Helgi Library - September 3, 2024
Raiffeisenbank Czech Republic's retail loans reached CZK 183,095 mil in the first quarter of 2024, down 0.080% compared to the previous year. Czech banking sector provided retail loans of CZK 2,263 bil in 1Q2024, up 0.927% when compared to the last year. ...
Raiffeisenbank Czech Republic is the medium-sized bank with a 5-8% market share in the key retail product . From a greenfield start-up back in 1993, the bank acquired a purely Internet bank, e-banka, in 2006. Originally a corporate-oriented bank, Raiffeisen has been focusing increasingly on the retail area. In 2019, the Bank operated a network of more than 130 branches and employed more than 3,000 people in the Czech Republic.
Raiffeisenbank Czech Republic has been growing its revenues and asset by 8.15% and 14.1% a year on average in the last 10 years. Its loans and deposits have grown by 11.2% and 15.0% a year during that time and loans to deposits ratio reached 72.3% at the end of 2023. The company achieved an average return on equity of 11.9% in the last decade with net profit growing 22.5% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.3% in 2023, compared to 57.9% average in the last decade.
Equity represented 7.93% of total assets or 13.7% of loans at the end of 2023. Raiffeisenbank Czech Republic's non-performing loans were 1.47% of total loans while provisions covered some 88.2% of NPLs at the end of 2023.
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