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Raiffeisenbank Serbia

Raiffeisen Serbia's customer deposits rose 4.82% to RSD 200,906 mil in 2017

By Helgi Library - September 17, 2018

Raiffeisenbank Serbia's customer deposits reached RSD 200,906 mil in 2017, up 4.82% compared to the previous year. Serbian bank...

Raiffeisen Serbia's customer deposits rose 4.82% to RSD 200,906 mil in 2017

By Helgi Library - September 17, 2018

Raiffeisenbank Serbia's customer deposits reached RSD 200,906 mil in 2017, up 4.82% compared to the previous year. Serbian bank...

Raiffeisen Serbia's net profit rose 22.5% to RSD 6,627 mil in 2017

By Helgi Library - September 17, 2018

Raiffeisenbank Serbia made a net profit of RSD 6,627 mil in 2017, up 22.5% compared to the previous year. This implies a return ...

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Annual Quarterly LTM

Profit Statement		2015	2016	2017
Net Interest Income	RSD mil	10,483	9,702	9,602
Net Fee Income	RSD mil	3,540	3,603	3,812
Other Income	RSD mil	1,456	1,790	2,128
Total Revenues	RSD mil	15,480	15,094	15,542
Staff Cost	RSD mil	3,007	3,062	2,974
Operating Profit	RSD mil	6,619	6,543	6,572
Provisions	RSD mil	1,774	372	-994
Net Profit	RSD mil	4,342	5,411	6,627

Balance Sheet		2015	2016	2017
Interbank Loans	RSD mil	28,864	18,116	14,378
Customer Loans	RSD mil	117,197	124,649	137,693
Total Assets	RSD mil	234,426	254,025	264,621
Shareholders' Equity	RSD mil	55,105	56,138	57,444
Interbank Borrowing	RSD mil	3,079	3,433	3,152
Customer Deposits	RSD mil	174,319	191,661	200,906
Issued Debt Securities	RSD mil	104	122	122

Ratios		2015	2016	2017
ROE	%	7.83	9.73	11.7
ROA	%	1.89	2.22	2.56
Costs (As % Of Assets)	%	3.86	3.50	3.46
Costs (As % Of Income)	%	57.2	56.7	57.7
Capital Adequacy Ratio	%	28.0	24.0	26.9
Net Interest Margin	%	4.57	3.97	3.70
Loans (As % Of Deposits)	%	67.2	65.0	68.5
NPLs (As % Of Loans)	%	12.3	9.73	4.74
Provisions (As % Of NPLs)	%	89.0	91.1	95.5

Growth Rates		2015	2016	2017
Total Revenue Growth	%	-5.43	-2.49	2.97
Operating Cost Growth	%	9.61	-3.50	4.91
Operating Profit Growth	%	-20.1	-1.15	0.432
Net Profit Growth	%	-16.9	24.6	22.5
Customer Loan Growth	%	-3.40	6.36	10.5
Total Asset Growth	%	4.59	8.36	4.17
Customer Deposit Growth	%	18.7	9.95	4.82
Shareholders' Equity Growth	%	-1.34	1.87	2.33
Employees		1,482	1,458	1,477

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summary	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	RSD mil										9,967	9,897	11,234	11,534	10,483
Total Revenues	RSD mil										14,690	16,065	16,956	16,369	15,480
Operating Profit	RSD mil										7,020	7,765	8,773	8,285	6,619
Net Profit	RSD mil										4,991	5,412	5,411	5,228	4,342
balance sheet
Interbank Loans	RSD mil										49,704	40,028	20,731	29,660	28,864
Customer Loans	RSD mil										105,483	117,170	111,919	121,324	117,197
Debt Securities	RSD mil										23,701	21,611	20,291	28,148	29,452
Total Assets	RSD mil										193,508	199,550	205,164	224,134	234,426
Shareholders' Equity	RSD mil										55,023	55,498	56,355	55,852	55,105
Interbank Borrowing	RSD mil										11,120	9,237	20,180	19,649	3,079
Customer Deposits	RSD mil										120,488	127,752	123,839	146,859	174,319
Issued Debt Securities	RSD mil										4,233	4,583	2,485	115	104
ratios
ROE	%										9.50	9.79	9.68	9.32	7.83
ROA	%										2.68	2.75	2.67	2.44	1.89
Costs (As % Of Assets)	%										4.12	4.22	4.04	3.77	3.86
Costs (As % Of Income)	%										52.2	51.7	48.3	49.4	57.2
Capital Adequacy Ratio	%	...	...								24.9	20.0	30.2	30.0	28.0
Net Interest Margin	%										5.35	5.04	5.55	5.37	4.57
Interest Income (As % Of Revenues)	%										67.8	61.6	66.3	70.5	67.7
Fee Income (As % Of Revenues)	%										24.8	24.9	18.7	20.3	22.9
Staff Cost (As % Of Total Cost)	%		...	...	...	...	...	...			46.4	46.0	38.4	36.9	33.9
Equity (As % Of Assets)	%										28.4	27.8	27.5	24.9	23.5
Loans (As % Of Deposits)	%										87.5	91.7	90.4	82.6	67.2
Loans (As % Assets)	%										54.5	58.7	54.6	54.1	50.0
NPLs (As % Of Loans)	%	...	...	...	...	...					12.8	10.2	13.1	12.9	12.3
Provisions (As % Of NPLs)	%	...	...	...	...	...					57.7	82.6	67.4	73.7	89.0
valuation
Book Value Per Share Growth	%	...									7.15	-0.695	13.5	2.67	-9.11

income statement	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	RSD mil										13,614	13,522	14,001	13,609	11,737
Interest Cost	RSD mil										3,647	3,624	2,767	2,075	1,254
Net Interest Income	RSD mil										9,967	9,897	11,234	11,534	10,483
Net Fee Income	RSD mil										3,643	3,995	3,178	3,322	3,540
Other Income	RSD mil										1,080	2,172	2,544	1,513	1,456
Total Revenues	RSD mil										14,690	16,065	16,956	16,369	15,480
Staff Cost	RSD mil		...	...	...	...	...	...			3,558	3,816	3,139	2,984	3,007
Depreciation	RSD mil		...	...	...	...	...	...			909	872	780	668	712
Other Cost	RSD mil		...	...	...	...	...	...			3,203	3,612	4,264	4,433	5,142
Operating Cost	RSD mil										7,670	8,299	8,182	8,084	8,861
Operating Profit	RSD mil										7,020	7,765	8,773	8,285	6,619
Provisions	RSD mil										1,712	1,641	2,617	2,445	1,774
Extra and Other Cost	RSD mil										-0.001	0	0	0	0
Pre-Tax Profit	RSD mil										5,308	6,124	6,156	5,839	4,845
Tax	RSD mil										371	339	745	612	503
Minorities	RSD mil										0	0	0	0	0
Net Profit	RSD mil										4,991	5,412	5,411	5,228	4,342
growth rates
Net Interest Income Growth	%	...									7.15	-0.695	13.5	2.67	-9.11
Net Fee Income Growth	%	...									1.30	9.66	-20.4	4.51	6.59
Total Revenue Growth	%	...									9.91	9.36	5.55	-3.46	-5.43
Operating Cost Growth	%	...									-2.58	8.20	-1.41	-1.20	9.61
Operating Profit Growth	%	...									27.8	10.6	13.0	-5.57	-20.1
Pre-Tax Profit Growth	%	...									83.0	15.4	0.517	-5.14	-17.0
Net Profit Growth	%	...									78.9	8.44	-0.026	-3.39	-16.9
market share
Market Share in Revenues	%										8.91	9.50	10.4	9.37	8.44
Market Share in Net Profit	%	...	...	...							399	46.5	...	230	58.3
Market Share in Employees	%	...	...								5.77	5.94	5.78	6.02	6.11
Market Share in Branches	%	...	...								3.48	3.70	4.17	4.64	4.80

ratios	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%										9.50	9.79	9.68	9.32	7.83
ROA	%										2.68	2.75	2.67	2.44	1.89
Costs (As % Of Assets)	%										4.12	4.22	4.04	3.77	3.86
Costs (As % Of Income)	%										52.2	51.7	48.3	49.4	57.2
Capital Adequacy Ratio	%	...	...								24.9	20.0	30.2	30.0	28.0
Tier 1 Ratio	%	...	...	...	...	...	...	...	...	...	...	...	31.6	29.7	27.8
Net Interest Margin	%										5.35	5.04	5.55	5.37	4.57
Interest Spread	%	...									4.58	4.31	5.03	5.03	4.40
Asset Yield	%										7.31	6.88	6.92	6.34	5.12
Cost Of Liabilities	%	...									2.73	2.57	1.89	1.31	0.721
Interest Income (As % Of Revenues)	%										67.8	61.6	66.3	70.5	67.7
Fee Income (As % Of Revenues)	%										24.8	24.9	18.7	20.3	22.9
Other Income (As % Of Revenues)	%										7.35	13.5	15.0	9.24	9.41
Cost Per Employee	USD per month	...	...	...	...	...	...	...			2,399	2,144	2,014	1,797	1,600
Cost Per Employee (Local Currency)	RSD per month	...	...	...	...	...	...	...			175,977	188,599	171,531	164,554	169,073
Staff Cost (As % Of Total Cost)	%		...	...	...	...	...	...			46.4	46.0	38.4	36.9	33.9
Equity (As % Of Assets)	%										28.4	27.8	27.5	24.9	23.5
Loans (As % Of Deposits)	%										87.5	91.7	90.4	82.6	67.2
Loans (As % Assets)	%										54.5	58.7	54.6	54.1	50.0
NPLs (As % Of Loans)	%	...	...	...	...	...					12.8	10.2	13.1	12.9	12.3
Provisions (As % Of NPLs)	%	...	...	...	...	...					57.7	82.6	67.4	73.7	89.0
Provisions (As % Of Loans)	%	...	...	...	...	...					7.97	9.20	9.68	10.5	12.3
Cost of Provisions (As % Of Loans)	%										1.70	1.47	2.29	2.10	1.49

other data	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Branches		...	...								83.0	83.0	83.0	83.0	83.0
Employees		...	...								1,685	1,686	1,525	1,511	1,482
Clients	mil	...	...	...	...	...	...	...	...	...	...	...	...	...	0.666

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Raiffeisenbank Serbia

Raiffeisen Serbia's customer deposits rose 4.82% to RSD 200,906 mil in 2017

Raiffeisen Serbia's customer deposits rose 4.82% to RSD 200,906 mil in 2017

Raiffeisen Serbia's net profit rose 22.5% to RSD 6,627 mil in 2017

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Raiffeisen Serbia's net profit rose 22.5% to RSD 6,627 mil in 2017

Raiffeisen Serbia's npls (as % of loans) fell 51.3% to 4.74% in 2017

Raiffeisen Serbia's npls (as % of loans) fell 51.3% to 4.74% in 2017

Raiffeisen Serbia's customer loans rose 10.5% to RSD 137,693 mil in 2017

Raiffeisen Serbia's customer loans rose 10.5% to RSD 137,693 mil in 2017

Raiffeisen Serbia's corporate loans rose 16.0% to RSD 73,990 mil in 2017

Raiffeisen Serbia's corporate loans rose 16.0% to RSD 73,990 mil in 2017

Raiffeisen Serbia's costs (as % of assets) fell 1.20% to 3.46% in 2017

Raiffeisen Serbia's costs (as % of assets) fell 1.20% to 3.46% in 2017

Raiffeisen Serbia's net interest margin fell 6.79% to 3.70% in 2017

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