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Raiffeisenlandesbank Karnten

Created with Highcharts 6.0.4Sales and Profits (EUR mil)Total RevenuesNet Profit20152016201757.55858.55959.5600204060
Profit Statement 2015 2016 2017
Net Interest Income EUR mil 20.1 19.1 19.2
Net Fee Income EUR mil 10.9 10.8 10.8
Other Income EUR mil 28.5 28.1 28.8
Total Revenues EUR mil 59.5 58.0 58.7
Staff Cost EUR mil 29.2 29.0 29.6
Operating Profit EUR mil 11.0 11.1 11.3
Provisions EUR mil 3.71 1.51 1.59
Net Profit EUR mil 4.24 24.2 38.4
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 723 716 760
Customer Loans EUR mil 858 850 888
Total Assets EUR mil 2,570 2,547 2,755
Shareholders' Equity EUR mil 250 274 296
Interbank Borrowing EUR mil 1,532 1,443 1,589
Customer Deposits EUR mil 410 460 500
Issued Debt Securities EUR mil 269 260 303
Ratios 2015 2016 2017
ROE % 1.70 9.24 13.5
ROA % 0.165 0.946 1.45
Costs (As % Of Assets) % 1.88 1.83 1.79
Costs (As % Of Income) % 81.5 80.9 80.8
Capital Adequacy Ratio % 16.8 18.3 19.3
Net Interest Margin % 0.781 0.748 0.722
Loans (As % Of Deposits) % 210 185 178
Growth Rates 2015 2016 2017
Total Revenue Growth % ... -2.41 1.21
Operating Cost Growth % ... -3.15 1.20
Operating Profit Growth % ... 0.850 1.26
Net Profit Growth % ... 471 58.7
Customer Loan Growth % ... -0.950 4.48
Total Asset Growth % ... -0.888 8.17
Customer Deposit Growth % ... 12.3 8.76
Shareholders' Equity Growth % ... 9.47 8.34
Employees ... 1,506 1,541

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