By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's non-performing loans reached 2.38% of total loans at the end of 2017, down from 4.05...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's non-performing loans reached 2.38% of total loans at the end of 2017, down from 4.05...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Niederosterreich-Wien made a net profit of EUR 559 mil in 2017, up 967% compared to the previous year. This...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 184 | 173 | 133 |
| Net Fee Income | EUR mil | 66.2 | 52.3 | 54.4 |
| Other Income | EUR mil | -1.00 | 16.5 | 21.8 |
| Total Revenues | EUR mil | 249 | 242 | 209 |
| Staff Cost | EUR mil | 105 | 95.0 | 110 |
| Operating Profit | EUR mil | 44.1 | 36.0 | -12.8 |
| Provisions | EUR mil | -1.93 | -17.8 | 8.85 |
| Net Profit | EUR mil | 65.4 | -64.5 | 559 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 7,583 | 6,261 | 5,443 |
| Customer Loans | EUR mil | 11,646 | 11,576 | 11,426 |
| Total Assets | EUR mil | 27,743 | 25,405 | 25,712 |
| Shareholders' Equity | EUR mil | 1,751 | 1,697 | 2,237 |
| Interbank Borrowing | EUR mil | 9,453 | 7,628 | 7,819 |
| Customer Deposits | EUR mil | 7,622 | 7,618 | 7,768 |
| Issued Debt Securities | EUR mil | 7,190 | 6,760 | 6,546 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 3.68 | -3.74 | 28.4 |
| ROA | % | 0.228 | -0.243 | 2.19 |
| Costs (As % Of Assets) | % | 0.715 | 0.775 | 0.868 |
| Costs (As % Of Income) | % | 82.3 | 85.1 | 106 |
| Capital Adequacy Ratio | % | 20.3 | 20.4 | 24.3 |
| Net Interest Margin | % | 0.642 | 0.652 | 0.520 |
| Loans (As % Of Deposits) | % | 153 | 152 | 147 |
| NPLs (As % Of Loans) | % | 5.47 | 4.05 | 2.38 |
| Provisions (As % Of NPLs) | % | 46.2 | 50.7 | 67.9 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 1.20 | -2.72 | -13.6 |
| Operating Cost Growth | % | 3.13 | 0.648 | 7.68 |
| Operating Profit Growth | % | -6.85 | -18.3 | -136 |
| Net Profit Growth | % | -126 | -199 | -967 |
| Customer Loan Growth | % | -3.60 | -0.605 | -1.29 |
| Total Asset Growth | % | -6.00 | -8.43 | 1.21 |
| Customer Deposit Growth | % | 1.93 | -0.047 | 1.96 |
| Shareholders' Equity Growth | % | -2.70 | -3.07 | 31.9 |
| Employees | 1,185 | 1,099 | 1,020 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Net Interest Income | EUR mil | 207 | 161 | 146 | 175 | 184 | |||||
| Total Revenues | EUR mil | 273 | 240 | 220 | 246 | 249 | |||||
| Operating Profit | EUR mil | 85.4 | 49.3 | 5.93 | 47.4 | 44.1 | |||||
| Net Profit | EUR mil | 110 | 22.5 | 145 | -249 | 65.4 | |||||
| balance sheet | |||||||||||
| Interbank Loans | EUR mil | 10,915 | 10,042 | 8,576 | 7,937 | 7,583 | |||||
| Customer Loans | EUR mil | 9,803 | 10,147 | 10,706 | 12,081 | 11,646 | |||||
| Debt Securities | EUR mil | 6,374 | 6,809 | 5,498 | 5,910 | 5,161 | |||||
| Total Assets | EUR mil | 32,103 | 32,310 | 29,070 | 29,514 | 27,743 | |||||
| Shareholders' Equity | EUR mil | 2,272 | 2,422 | 2,355 | 1,799 | 1,751 | |||||
| Interbank Borrowing | EUR mil | 14,430 | 12,643 | 9,029 | 10,834 | 9,453 | |||||
| Customer Deposits | EUR mil | 7,294 | 8,090 | 8,280 | 7,478 | 7,622 | |||||
| Issued Debt Securities | EUR mil | 4,901 | 6,637 | 7,713 | 7,177 | 7,190 | |||||
| ratios | |||||||||||
| ROE | % | 4.71 | 0.959 | 6.09 | -12.0 | 3.68 | |||||
| ROA | % | 0.339 | 0.070 | 0.474 | -0.849 | 0.228 | |||||
| Costs (As % Of Assets) | % | 0.578 | 0.593 | 0.698 | 0.678 | 0.715 | |||||
| Costs (As % Of Income) | % | 68.6 | 79.5 | 97.3 | 80.7 | 82.3 | |||||
| Capital Adequacy Ratio | % | 14.1 | 14.9 | 21.4 | 19.7 | 20.3 | |||||
| Net Interest Margin | % | 0.638 | 0.499 | 0.475 | 0.599 | 0.642 | |||||
| Interest Income (As % Of Revenues) | % | 75.8 | 66.9 | 66.3 | 71.3 | 73.8 | |||||
| Fee Income (As % Of Revenues) | % | 24.8 | 29.9 | 31.5 | 27.1 | 26.6 | |||||
| Staff Cost (As % Of Total Cost) | % | 54.4 | 55.5 | 53.4 | 49.8 | 51.2 | |||||
| Equity (As % Of Assets) | % | 7.08 | 7.50 | 8.10 | 6.10 | 6.31 | |||||
| Loans (As % Of Deposits) | % | 134 | 125 | 129 | 162 | 153 | |||||
| Loans (As % Assets) | % | 30.5 | 31.4 | 36.8 | 40.9 | 42.0 | |||||
| NPLs (As % Of Loans) | % | 4.44 | 5.77 | 4.75 | 6.16 | 5.47 | |||||
| Provisions (As % Of NPLs) | % | 64.8 | 52.8 | 57.1 | 44.0 | 46.2 | |||||
| valuation | |||||||||||
| Book Value Per Share Growth | % | ... | -7.59 | -22.1 | -9.36 | 20.3 | 4.72 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||||
| Interest Income | EUR mil | 755 | 693 | 569 | 548 | 499 | |||||
| Interest Cost | EUR mil | 548 | 532 | 424 | 372 | 316 | |||||
| Net Interest Income | EUR mil | 207 | 161 | 146 | 175 | 184 | |||||
| Net Fee Income | EUR mil | 67.6 | 71.9 | 69.3 | 66.5 | 66.2 | |||||
| Other Income | EUR mil | -1.63 | 7.57 | 4.90 | 3.93 | -1.00 | |||||
| Total Revenues | EUR mil | 273 | 240 | 220 | 246 | 249 | |||||
| Staff Cost | EUR mil | 102 | 106 | 114 | 98.9 | 105 | |||||
| Depreciation | EUR mil | 4.42 | 4.76 | 5.24 | 4.42 | 3.94 | |||||
| Other Cost | EUR mil | 80.8 | 80.3 | 94.6 | 95.1 | 95.9 | |||||
| Operating Cost | EUR mil | 187 | 191 | 214 | 198 | 205 | |||||
| Operating Profit | EUR mil | 85.4 | 49.3 | 5.93 | 47.4 | 44.1 | |||||
| Provisions | EUR mil | 57.0 | 56.4 | 66.4 | 84.1 | -1.93 | |||||
| Extra and Other Cost | EUR mil | -79.2 | -24.0 | -186 | 226 | -34.3 | |||||
| Pre-Tax Profit | EUR mil | 108 | 16.8 | 125 | -262 | 80.4 | |||||
| Tax | EUR mil | 2.07 | -5.66 | -20.3 | -13.9 | 15.0 | |||||
| Minorities | EUR mil | 0.001 | -0.002 | 0.007 | 0 | 0 | |||||
| Net Profit | EUR mil | 110 | 22.5 | 145 | -249 | 65.4 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | -7.59 | -22.1 | -9.36 | 20.3 | 4.72 | ||||
| Net Fee Income Growth | % | ... | 2.85 | 6.31 | -3.49 | -4.03 | -0.585 | ||||
| Total Revenue Growth | % | ... | -13.1 | -11.8 | -8.42 | 11.7 | 1.20 | ||||
| Operating Cost Growth | % | ... | 3.50 | 2.07 | 12.1 | -7.29 | 3.13 | ||||
| Operating Profit Growth | % | ... | -35.6 | -42.3 | -88.0 | 700 | -6.85 | ||||
| Pre-Tax Profit Growth | % | ... | -66.0 | -84.4 | 643 | -310 | -131 | ||||
| Net Profit Growth | % | ... | -64.5 | -79.5 | 546 | -271 | -126 | ||||
| market share | |||||||||||
| Market Share in Revenues | % | 1.42 | 1.26 | 1.16 | 1.23 | 1.20 | |||||
| Market Share in Net Profit | % | 9.18 | 0.700 | -15.5 | 3.71 | 1.76 | |||||
| Market Share in Employees | % | 1.73 | 1.66 | 1.63 | 1.62 | 1.62 | |||||
| Market Share in Branches | % | 1.49 | 1.48 | 1.31 | 1.18 | 1.07 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||||
| Cash | EUR mil | 56.4 | 679 | 405 | 60.7 | 537 | |||||
| Interbank Loans | EUR mil | 10,915 | 10,042 | 8,576 | 7,937 | 7,583 | |||||
| Customer Loans | EUR mil | 9,803 | 10,147 | 10,706 | 12,081 | 11,646 | |||||
| Retail Loans | EUR mil | 1,594 | 1,651 | 1,679 | 1,702 | 1,771 | |||||
| Corporate Loans | EUR mil | 7,858 | 8,299 | 8,217 | 8,693 | 8,356 | |||||
| Debt Securities | EUR mil | 6,374 | 6,809 | 5,498 | 5,910 | 5,161 | |||||
| Fixed Assets | EUR mil | 16.4 | 17.0 | 15.5 | 14.1 | 13.7 | |||||
| Total Assets | EUR mil | 32,103 | 32,310 | 29,070 | 29,514 | 27,743 | |||||
| Shareholders' Equity | EUR mil | 2,272 | 2,422 | 2,355 | 1,799 | 1,751 | |||||
| Of Which Minority Interest | EUR mil | 0.092 | 0.056 | 0.055 | 0 | 0 | |||||
| Liabilities | EUR mil | 29,831 | 29,889 | 26,715 | 27,715 | 25,992 | |||||
| Interbank Borrowing | EUR mil | 14,430 | 12,643 | 9,029 | 10,834 | 9,453 | |||||
| Customer Deposits | EUR mil | 7,294 | 8,090 | 8,280 | 7,478 | 7,622 | |||||
| Retail Deposits | EUR mil | 4,425 | 4,562 | 4,343 | 4,080 | 3,772 | |||||
| Corporate Deposits | EUR mil | 1,973 | 2,318 | 2,650 | 2,120 | 2,466 | |||||
| Sight Deposits | EUR mil | 3,615 | 4,439 | 4,805 | 4,613 | 5,021 | |||||
| Term Deposits | EUR mil | 3,679 | 3,651 | 3,475 | 2,864 | 2,600 | |||||
| Issued Debt Securities | EUR mil | 4,901 | 6,637 | 7,713 | 7,177 | 7,190 | |||||
| Other Liabilities | EUR mil | 3,206 | 2,519 | 1,693 | 2,226 | 1,727 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | EUR mil | 448 | 604 | 523 | 765 | 653 | |||||
| Gross Loans | EUR mil | 10,094 | 10,465 | 11,005 | 12,418 | 11,948 | |||||
| Total Provisions | EUR mil | 290 | 319 | 298 | 337 | 302 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | 4.50 | 3.50 | 5.52 | 12.8 | -3.60 | ||||
| Retail Loan Growth | % | ... | 4.46 | 3.56 | 1.69 | 1.34 | 4.10 | ||||
| Corporate Loan Growth | % | ... | 3.59 | 5.62 | -0.993 | 5.79 | -3.87 | ||||
| Total Asset Growth | % | ... | -1.77 | 0.647 | -10.0 | 1.53 | -6.00 | ||||
| Shareholders' Equity Growth | % | ... | -4.69 | 6.61 | -2.76 | -23.6 | -2.70 | ||||
| Customer Deposit Growth | % | ... | 3.16 | 10.9 | 2.36 | -9.69 | 1.93 | ||||
| Retail Deposit Growth | % | ... | 11.4 | 3.11 | -4.80 | -6.07 | -7.54 | ||||
| Corporate Deposit Growth | % | ... | -9.25 | 17.5 | 14.3 | -20.0 | 16.3 | ||||
| market share | |||||||||||
| Market Share in Customer Loans | % | 2.20 | 2.30 | 2.47 | 2.84 | 2.71 | |||||
| Market Share in Corporate Loans | % | 5.74 | 6.01 | 5.98 | 6.56 | 6.30 | |||||
| Market Share in Consumer Loans | % | 1.21 | 1.24 | 1.26 | 1.25 | 1.25 | |||||
| Market Share in Total Assets | % | 3.17 | 3.29 | 3.14 | 3.29 | 3.23 | |||||
| Market Share in Customer Deposits | % | 2.09 | 2.29 | 2.28 | 2.00 | 1.98 | |||||
| Market Share in Retail Deposits | % | 2.13 | 2.16 | 2.04 | 1.87 | 1.64 | |||||
| Market Share in Corporate Deposits | % | 4.06 | 4.50 | 5.01 | 4.04 | 4.52 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||||
| ROE | % | 4.71 | 0.959 | 6.09 | -12.0 | 3.68 | |||||
| ROA | % | 0.339 | 0.070 | 0.474 | -0.849 | 0.228 | |||||
| Costs (As % Of Assets) | % | 0.578 | 0.593 | 0.698 | 0.678 | 0.715 | |||||
| Costs (As % Of Income) | % | 68.6 | 79.5 | 97.3 | 80.7 | 82.3 | |||||
| Capital Adequacy Ratio | % | 14.1 | 14.9 | 21.4 | 19.7 | 20.3 | |||||
| Tier 1 Ratio | % | 9.40 | 10.3 | 13.3 | 13.8 | 15.0 | |||||
| Net Interest Margin | % | 0.638 | 0.499 | 0.475 | 0.599 | 0.642 | |||||
| Interest Spread | % | ... | 0.507 | 0.370 | 0.358 | 0.502 | 0.569 | ||||
| Asset Yield | % | 2.33 | 2.15 | 1.86 | 1.87 | 1.74 | |||||
| Cost Of Liabilities | % | ... | 1.82 | 1.78 | 1.50 | 1.37 | 1.18 | ||||
| Interest Income (As % Of Revenues) | % | 75.8 | 66.9 | 66.3 | 71.3 | 73.8 | |||||
| Fee Income (As % Of Revenues) | % | 24.8 | 29.9 | 31.5 | 27.1 | 26.6 | |||||
| Other Income (As % Of Revenues) | % | -0.600 | 3.15 | 2.23 | 1.60 | -0.403 | |||||
| Cost Per Employee | USD per month | 8,716 | 8,820 | 10,223 | 8,849 | 8,455 | |||||
| Cost Per Employee (Local Currency) | EUR per month | 6,269 | 6,869 | 7,701 | 6,865 | 7,376 | |||||
| Staff Cost (As % Of Total Cost) | % | 54.4 | 55.5 | 53.4 | 49.8 | 51.2 | |||||
| Equity (As % Of Assets) | % | 7.08 | 7.50 | 8.10 | 6.10 | 6.31 | |||||
| Loans (As % Of Deposits) | % | 134 | 125 | 129 | 162 | 153 | |||||
| Loans (As % Assets) | % | 30.5 | 31.4 | 36.8 | 40.9 | 42.0 | |||||
| NPLs (As % Of Loans) | % | 4.44 | 5.77 | 4.75 | 6.16 | 5.47 | |||||
| Provisions (As % Of NPLs) | % | 64.8 | 52.8 | 57.1 | 44.0 | 46.2 | |||||
| Provisions (As % Of Loans) | % | 2.96 | 3.14 | 2.79 | 2.79 | 2.59 | |||||
| Cost of Provisions (As % Of Loans) | % | 0.594 | 0.566 | 0.637 | 0.738 | -0.016 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||||
| Branches | 66.0 | 66.0 | 57.0 | 50.0 | 44.0 | ||||||
| Employees | 1,354 | 1,285 | 1,237 | 1,201 | 1,185 | ||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | |||
| Sight (As % Of Customer Deposits) | % | 49.6 | 54.9 | 58.0 | 61.7 | 65.9 | |||||
| Risk-Weighted Assets | EUR mil | ... | ... | 14,164 | 13,383 | 14,362 | 14,485 | 12,887 | ... |
Get all company financials in excel:
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Niederosterreich-Wien made a net profit of EUR 559 mil in 2017, up 967% compared to the previous year. This implies a return on equity of 28.4%. Historically, the bank’s net profit reached an all time high of EUR 559 mil in 2017 and an all ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien employed 1,020 persons in 2017, down 7.19% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,354 persons in 2011 and an all time low of 1,020 in 2017. Average cost reached US...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien employed 1,020 persons in 2017, down 7.19% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,354 persons in 2011 and an all time low of 1,020 in 2017. Average cost reached US...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's capital adequacy ratio reached 24.3% at the end of 2017, up from 20.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 24.3% in 2017 and an all time low of 12.0% in 2008. ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's capital adequacy ratio reached 24.3% at the end of 2017, up from 20.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 24.3% in 2017 and an all time low of 12.0% in 2008. ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien generated total banking revenues of EUR 209 mil in 2017, down 13.6% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when comp...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien generated total banking revenues of EUR 209 mil in 2017, down 13.6% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when comp...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's cost to income ratio reached 106% in 2017, up from 85.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 106% of income in 2017 and an all time low of 57.7% in 2010. Whe...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's cost to income ratio reached 106% in 2017, up from 85.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 106% of income in 2017 and an all time low of 57.7% in 2010. Whe...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Niederosterreich-Wien's customer loans reached EUR 11,426 mil in 2017, down 1.29% compared to the previous year. Austrian banking sector provided customer loans of EUR 435 bil in 2017, down 0% when compared to the last year. Raiffeise...
Raiffeisenlandesbank Niederosterreich-Wien has been growing its revenues and asset by % and % a year on average in the last 10 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached 147% at the end of 2017. The company achieved an average return on equity of 5.20% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 106% in 2017, compared to 81.2% average in the last decade.
Equity represented 8.70% of total assets or 19.6% of loans at the end of 2017. Raiffeisenlandesbank Niederosterreich-Wien's non-performing loans were 2.38% of total loans while provisions covered some 67.9% of NPLs at the end of 2017.
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