Register

Institutional Sign In

Go
Home » Companies » Banking in Czechia » Raiffeisenbank Czech Republic

Raiffeisenbank Czech Republic

Raiffeisen CR's mortgage loans rose 4.80% yoy to CZK 133,242 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's mortgage loans reached CZK 133,242 mil in 4Q2023, up 2.76% compared to the previous year. Czech...

Raiffeisen CR's total revenues fell 2.20% yoy to CZK 4,752 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic generated total banking revenues of CZK 4,752 mil in 2023-12-31, up 11.8% compared to the previous...

Raiffeisen CR's customer deposits rose 10.0% yoy to CZK 538,857 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's customer deposits reached CZK 538,857 mil in 2023-12-31, down 0.766% compared to the previous year. ...

Annual Quarterly LTM
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:

Download Sample   $19.99

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 %                           4.09 4.68 5.19 4.69 6.78    
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 %                           5.46 5.37 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:

Download Sample   $19.99

Raiffeisen CR's customer loans rose 2.89% yoy to CZK 361,222 mil in 3Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's customer loans reached CZK 361,222 mil in 2023-09-30, up 1.54% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 bil in 2023-09-30, up 1.99% when compared to the last year. Raiffeisenb...

Raiffeisen CR's net profit fell 26.1% yoy to CZK 1,534 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic made a net profit of CZK 1,534 mil under revenues of CZK 4,752 mil in the fourth quarter of 2023, down 26.1% and 2.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time hi...

Raiffeisen CR's net profit fell 26.1% yoy to CZK 1,534 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic made a net profit of CZK 1,534 mil in the fourth quarter of 2023, down 26.1% when compared to the same period of last year. This implies a return on equity of 11.3%. Historically, the bank’s net profit reached an all time high of CZK...

Raiffeisen CR's npls (as % of loans) rose 0.613% yoy to 1.46% in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's non-performing loans reached 1.46% of total loans at the end of 2023-12-31, up 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 1.45% in 2023-0...

Raiffeisen CR's retail loans rose 4.61% yoy to CZK 183,242 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's retail loans reached CZK 183,242 mil in the fourth quarter of 2023, up 2.28% compared to the previous year. Czech banking sector provided retail loans of CZK 2,242 bil in 4Q2023, up 0.906% when compared to the last year. Ra...

Raiffeisen CR's employees fell 3.73% yoy to 3,240 in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic employed 3,240 persons in 2023-12-31, up 0.527% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,384 persons in 2022-09-30 and an all time low of 2,302 in 2007-12-31. Average cost reache...

Raiffeisen CR's consumer loans rose 4.09% yoy to CZK 50,000 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's consumer loans reached CZK 50,000 mil in 2023-12-31, up 1.01% compared to the previous year. Czech banking sector provided consumer loans of CZK 500 bil in 2023-12-31, up 1.45% when compared to the last year. Raiffeisenbank...

Raiffeisen CR's corporate loans rose 7.48% yoy to CZK 136,593 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's loans reached in the first quarter of 1970, down from when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all time high of ...

Raiffeisen CR's capital adequacy ratio rose 14.4% yoy to 24.0% in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's capital adequacy ratio reached 24.0% at the end of fourth quarter of 2023, down from 25.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.3% in 2Q2021 and an all time low of 1...

Raiffeisen CR's retail deposits rose 6.23% yoy to CZK 333,658 mil in 4Q2023

By Helgi Library - May 11, 2024

Raiffeisenbank Czech Republic's retail deposits reached CZK 333,658 mil in 2023-12-31, down 0.292% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,651 bil in 2023-12-31, up 2.05% when compared to the last year. Raiffe...

More News

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 Logo

Finance

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.

More Companies in Czech Banking Sector

Helgi Library
Eliášova 38, Prague 6, 160 00, Czech Republic
Copyright © 2024 Helgi Library. All rights reserved.