By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich's capital adequacy ratio reached 17.8% at the end of 2017, up from 17.0% compared to the prev...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich made a net profit of EUR 484 mil in 2017, up 151% compared to the previous year. This implie...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich's capital adequacy ratio reached 17.8% at the end of 2017, up from 17.0% compared to the prev...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 417 | 370 | 352 |
| Net Fee Income | EUR mil | 128 | 145 | 154 |
| Other Income | EUR mil | 517 | 403 | 467 |
| Total Revenues | EUR mil | 1,062 | 919 | 973 |
| Staff Cost | EUR mil | 376 | 386 | 397 |
| Operating Profit | EUR mil | 328 | 179 | 217 |
| Provisions | EUR mil | 61.1 | 4.24 | 45.3 |
| Net Profit | EUR mil | 300 | 193 | 484 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 6,855 | 8,499 | 8,352 |
| Customer Loans | EUR mil | 18,731 | 19,093 | 20,352 |
| Total Assets | EUR mil | 37,299 | 39,385 | 40,319 |
| Shareholders' Equity | EUR mil | 3,739 | 3,928 | 4,203 |
| Interbank Borrowing | EUR mil | 11,214 | 11,082 | 12,333 |
| Customer Deposits | EUR mil | 10,628 | 12,564 | 12,054 |
| Issued Debt Securities | EUR mil | 9,050 | 9,086 | 9,073 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 8.22 | 5.02 | 11.9 |
| ROA | % | 0.792 | 0.502 | 1.21 |
| Costs (As % Of Assets) | % | 1.93 | 1.93 | 1.90 |
| Costs (As % Of Income) | % | 69.1 | 80.5 | 77.8 |
| Capital Adequacy Ratio | % | 16.8 | 17.0 | 17.8 |
| Net Interest Margin | % | 1.10 | 0.966 | 0.883 |
| Loans (As % Of Deposits) | % | 176 | 152 | 169 |
| NPLs (As % Of Loans) | % | 7.16 | 3.27 | 3.09 |
| Provisions (As % Of NPLs) | % | 56.5 | 103 | 77.6 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 31.4 | -13.5 | 5.93 |
| Operating Cost Growth | % | 6.18 | 0.813 | 2.30 |
| Operating Profit Growth | % | 180 | -45.4 | 20.9 |
| Net Profit Growth | % | 592 | -35.9 | 151 |
| Customer Loan Growth | % | -2.27 | 1.93 | 6.59 |
| Total Asset Growth | % | -3.31 | 5.59 | 2.37 |
| Customer Deposit Growth | % | 1.07 | 18.2 | -4.06 |
| Shareholders' Equity Growth | % | 4.85 | 5.06 | 6.98 |
| Employees | 5,420 | 5,831 | 5,788 | |
Get all company financials in excel:
| summary | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||
| Net Interest Income | EUR mil | 439 | 418 | 422 | 324 | 417 | |||
| Total Revenues | EUR mil | 784 | 815 | 744 | 808 | 1,062 | |||
| Operating Profit | EUR mil | 261 | 255 | 140 | 117 | 328 | |||
| Net Profit | EUR mil | 305 | 88.7 | 154 | 43.4 | 300 | |||
| balance sheet | |||||||||
| Interbank Loans | EUR mil | 7,393 | 7,359 | 6,364 | 6,779 | 6,855 | |||
| Customer Loans | EUR mil | 19,712 | 20,498 | 19,694 | 19,167 | 18,731 | |||
| Debt Securities | EUR mil | 8,396 | 9,070 | 8,080 | 9,125 | 8,139 | |||
| Total Assets | EUR mil | 38,326 | 39,823 | 37,432 | 38,574 | 37,299 | |||
| Shareholders' Equity | EUR mil | 3,265 | 3,478 | 3,541 | 3,566 | 3,739 | |||
| Interbank Borrowing | EUR mil | 12,453 | 12,654 | 10,256 | 11,305 | 11,214 | |||
| Customer Deposits | EUR mil | 10,140 | 9,885 | 11,175 | 10,516 | 10,628 | |||
| Issued Debt Securities | EUR mil | 10,113 | 11,030 | 10,227 | 10,179 | 9,050 | |||
| ratios | |||||||||
| ROE | % | 9.68 | 2.63 | 4.38 | 1.22 | 8.22 | |||
| ROA | % | 0.826 | 0.227 | 0.398 | 0.114 | 0.792 | |||
| Costs (As % Of Assets) | % | 1.42 | 1.43 | 1.56 | 1.82 | 1.93 | |||
| Costs (As % Of Income) | % | 66.7 | 68.8 | 81.1 | 85.5 | 69.1 | |||
| Capital Adequacy Ratio | % | 13.8 | 12.9 | 14.7 | 14.7 | 16.8 | |||
| Net Interest Margin | % | 1.19 | 1.07 | 1.09 | 0.853 | 1.10 | |||
| Interest Income (As % Of Revenues) | % | 56.0 | 51.3 | 56.6 | 40.1 | 39.3 | |||
| Fee Income (As % Of Revenues) | % | 14.4 | 14.3 | 16.8 | 15.6 | 12.0 | |||
| Staff Cost (As % Of Total Cost) | % | 52.7 | 52.9 | 54.6 | 51.9 | 51.3 | |||
| Equity (As % Of Assets) | % | 8.52 | 8.73 | 9.46 | 9.25 | 10.0 | |||
| Loans (As % Of Deposits) | % | 194 | 207 | 176 | 182 | 176 | |||
| Loans (As % Assets) | % | 51.4 | 51.5 | 52.6 | 49.7 | 50.2 | |||
| NPLs (As % Of Loans) | % | 6.03 | 5.22 | 4.10 | 7.60 | 7.16 | |||
| Provisions (As % Of NPLs) | % | 56.7 | 83.9 | 115 | 60.9 | 56.5 | |||
| valuation | |||||||||
| Book Value Per Share Growth | % | ... | 17.9 | -4.80 | 0.777 | -23.1 | 28.7 |
| income statement | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | |||||||||
| Interest Income | EUR mil | 1,163 | 1,075 | 976 | 934 | 862 | |||
| Interest Cost | EUR mil | 724 | 657 | 555 | 609 | 445 | |||
| Net Interest Income | EUR mil | 439 | 418 | 422 | 324 | 417 | |||
| Net Fee Income | EUR mil | 113 | 117 | 125 | 126 | 128 | |||
| Other Income | EUR mil | 232 | 280 | 198 | 358 | 517 | |||
| Total Revenues | EUR mil | 784 | 815 | 744 | 808 | 1,062 | |||
| Staff Cost | EUR mil | 276 | 296 | 330 | 359 | 376 | |||
| Depreciation | EUR mil | 51.0 | 54.6 | 52.5 | 78.7 | 87.7 | |||
| Other Cost | EUR mil | 197 | 209 | 222 | 253 | 270 | |||
| Operating Cost | EUR mil | 523 | 560 | 604 | 691 | 734 | |||
| Operating Profit | EUR mil | 261 | 255 | 140 | 117 | 328 | |||
| Provisions | EUR mil | 87.7 | 295 | 146 | 181 | 61.1 | |||
| Extra and Other Cost | EUR mil | -174 | -144 | -140 | -104 | -51.2 | |||
| Pre-Tax Profit | EUR mil | 347 | 104 | 135 | 40.7 | 318 | |||
| Tax | EUR mil | 27.4 | 8.94 | -28.7 | 4.35 | 14.3 | |||
| Minorities | EUR mil | 14.9 | 6.13 | 9.88 | -7.02 | 3.79 | |||
| Net Profit | EUR mil | 305 | 88.7 | 154 | 43.4 | 300 | |||
| growth rates | |||||||||
| Net Interest Income Growth | % | ... | 17.9 | -4.80 | 0.777 | -23.1 | 28.7 | ||
| Net Fee Income Growth | % | ... | 5.20 | 3.36 | 7.39 | 0.550 | 1.42 | ||
| Total Revenue Growth | % | ... | 1.75 | 3.89 | -8.64 | 8.58 | 31.4 | ||
| Operating Cost Growth | % | ... | -1.87 | 7.07 | 7.80 | 14.4 | 6.18 | ||
| Operating Profit Growth | % | ... | 9.89 | -2.48 | -44.8 | -16.4 | 180 | ||
| Pre-Tax Profit Growth | % | ... | -33.0 | -70.1 | 29.9 | -69.8 | 682 | ||
| Net Profit Growth | % | ... | -46.9 | -70.9 | 73.2 | -71.8 | 592 | ||
| market share | |||||||||
| Market Share in Revenues | % | 4.08 | 4.26 | 3.93 | 4.05 | 5.10 | |||
| Market Share in Net Profit | % | 25.5 | 2.76 | -16.4 | -0.648 | 8.07 | |||
| Market Share in Employees | % | 5.67 | 5.90 | 6.57 | 7.20 | 7.39 |
| balance sheet | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | |||||||||
| Cash | EUR mil | 147 | 132 | 91.0 | 89.1 | 90.2 | |||
| Interbank Loans | EUR mil | 7,393 | 7,359 | 6,364 | 6,779 | 6,855 | |||
| Customer Loans | EUR mil | 19,712 | 20,498 | 19,694 | 19,167 | 18,731 | |||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | ... | ||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | ... | ||
| Debt Securities | EUR mil | 8,396 | 9,070 | 8,080 | 9,125 | 8,139 | |||
| Fixed Assets | EUR mil | 289 | 323 | 452 | 454 | 464 | |||
| Total Assets | EUR mil | 38,326 | 39,823 | 37,432 | 38,574 | 37,299 | |||
| Shareholders' Equity | EUR mil | 3,265 | 3,478 | 3,541 | 3,566 | 3,739 | |||
| Of Which Minority Interest | EUR mil | 126 | 140 | 151 | 152 | 144 | |||
| Liabilities | EUR mil | 35,061 | 36,345 | 33,891 | 35,008 | 33,559 | |||
| Interbank Borrowing | EUR mil | 12,453 | 12,654 | 10,256 | 11,305 | 11,214 | |||
| Customer Deposits | EUR mil | 10,140 | 9,885 | 11,175 | 10,516 | 10,628 | |||
| Sight Deposits | EUR mil | 3,352 | 3,604 | 4,416 | 4,572 | 4,827 | |||
| Term Deposits | EUR mil | 6,787 | 6,282 | 6,759 | 5,944 | 5,801 | |||
| Issued Debt Securities | EUR mil | 10,113 | 11,030 | 10,227 | 10,179 | 9,050 | |||
| Other Liabilities | EUR mil | 2,354 | 2,775 | 2,233 | 3,008 | 2,667 | |||
| asset quality | |||||||||
| Non-Performing Loans | EUR mil | 1,232 | 1,119 | 847 | 1,527 | 1,397 | |||
| Gross Loans | EUR mil | 20,410 | 21,438 | 20,672 | 20,097 | 19,521 | |||
| Total Provisions | EUR mil | 698 | 939 | 978 | 930 | 790 | |||
| growth rates | |||||||||
| Customer Loan Growth | % | ... | 8.36 | 3.99 | -3.93 | -2.68 | -2.27 | ||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | |
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | |
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | |
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | |
| Total Asset Growth | % | ... | 7.87 | 3.91 | -6.00 | 3.05 | -3.31 | ||
| Shareholders' Equity Growth | % | ... | 7.67 | 6.51 | 1.82 | 0.714 | 4.85 | ||
| Customer Deposit Growth | % | ... | 9.11 | -2.51 | 13.0 | -5.89 | 1.07 | ||
| market share | |||||||||
| Market Share in Customer Loans | % | 4.41 | 4.65 | 4.55 | 4.50 | 4.35 | |||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ||
| Market Share in Total Assets | % | 3.78 | 4.05 | 4.04 | 4.30 | 4.34 | |||
| Market Share in Customer Deposits | % | 2.91 | 2.79 | 3.08 | 2.81 | 2.76 |
| ratios | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | |||||||||
| ROE | % | 9.68 | 2.63 | 4.38 | 1.22 | 8.22 | |||
| ROA | % | 0.826 | 0.227 | 0.398 | 0.114 | 0.792 | |||
| Costs (As % Of Assets) | % | 1.42 | 1.43 | 1.56 | 1.82 | 1.93 | |||
| Costs (As % Of Income) | % | 66.7 | 68.8 | 81.1 | 85.5 | 69.1 | |||
| Capital Adequacy Ratio | % | 13.8 | 12.9 | 14.7 | 14.7 | 16.8 | |||
| Tier 1 Ratio | % | 8.80 | 8.10 | 9.70 | 11.2 | 13.8 | |||
| Net Interest Margin | % | 1.19 | 1.07 | 1.09 | 0.853 | 1.10 | |||
| Interest Spread | % | ... | 1.01 | 0.912 | 0.948 | 0.688 | 0.974 | ||
| Asset Yield | % | 3.15 | 2.75 | 2.53 | 2.46 | 2.27 | |||
| Cost Of Liabilities | % | ... | 2.14 | 1.84 | 1.58 | 1.77 | 1.30 | ||
| Interest Income (As % Of Revenues) | % | 56.0 | 51.3 | 56.6 | 40.1 | 39.3 | |||
| Fee Income (As % Of Revenues) | % | 14.4 | 14.3 | 16.8 | 15.6 | 12.0 | |||
| Other Income (As % Of Revenues) | % | 29.6 | 34.3 | 26.5 | 44.3 | 48.7 | |||
| Cost Per Employee | USD per month | 7,216 | 6,943 | 7,317 | 7,222 | 6,635 | |||
| Cost Per Employee (Local Currency) | EUR per month | 5,190 | 5,407 | 5,512 | 5,603 | 5,788 | |||
| Staff Cost (As % Of Total Cost) | % | 52.7 | 52.9 | 54.6 | 51.9 | 51.3 | |||
| Equity (As % Of Assets) | % | 8.52 | 8.73 | 9.46 | 9.25 | 10.0 | |||
| Loans (As % Of Deposits) | % | 194 | 207 | 176 | 182 | 176 | |||
| Loans (As % Assets) | % | 51.4 | 51.5 | 52.6 | 49.7 | 50.2 | |||
| NPLs (As % Of Loans) | % | 6.03 | 5.22 | 4.10 | 7.60 | 7.16 | |||
| Provisions (As % Of NPLs) | % | 56.7 | 83.9 | 115 | 60.9 | 56.5 | |||
| Provisions (As % Of Loans) | % | 3.54 | 4.58 | 4.97 | 4.85 | 4.22 | |||
| Cost of Provisions (As % Of Loans) | % | ... | 0.463 | 1.47 | 0.726 | 0.930 | 0.322 |
| other data | Unit | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | |||||||||
| Employees | 4,425 | 4,566 | 4,989 | 5,338 | 5,420 | ||||
| Sight (As % Of Customer Deposits) | % | 33.1 | 36.5 | 39.5 | 43.5 | 45.4 | |||
| Risk-Weighted Assets | EUR mil | ... | ... | 28,366 | 26,357 | 25,169 | 22,894 |
Get all company financials in excel:
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich made a net profit of EUR 484 mil in 2017, up 151% compared to the previous year. This implies a return on equity of 11.9%. Historically, the bank’s net profit reached an all time high of EUR 575 mil in 2010 and an all time lo...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich's non-performing loans reached 3.09% of total loans at the end of 2017, down from 3.27% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.60% in 2014 and an all time low of 3.09% in 2017. ...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich's non-performing loans reached 3.09% of total loans at the end of 2017, down from 3.27% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.60% in 2014 and an all time low of 3.09% in 2017. ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Oberosterreich's customer loans reached EUR 20,352 mil in 2017, up 6.59% 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. Raiffeisenlandesba...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Oberosterreich's customer loans reached EUR 20,352 mil in 2017, up 6.59% 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. Raiffeisenlandesba...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Oberosterreich's customer deposits reached EUR 12,054 mil in 2017, down 4.06% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Raiffeise...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Oberosterreich's customer deposits reached EUR 12,054 mil in 2017, down 4.06% compared to the previous year. Austrian banking sector accepted customer deposits of EUR 405 bil in 2017, up 2.53% when compared to the last year. Raiffeise...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Oberosterreich generated total banking revenues of EUR 973 mil in 2017, up 5.93% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to t...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Oberosterreich generated total banking revenues of EUR 973 mil in 2017, up 5.93% compared to the previous year. Austrian banking sector banking sector generated total revenues of EUR 19,521 mil in 2017, up 2.83% when compared to t...
By Helgi Library - June 10, 2018
Raiffeisenlandesbank Oberosterreich's net interest margin amounted to 0.883% in 2017, down from 0.966% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.19% in 2011 and an all time low of 0.853% in 201...
Raiffeisenlandesbank Oberosterreich has been growing its revenues and asset by 3.62% and 0.248% a year on average in the last 5 years. Its loans and deposits have grown by -0.143% and 4.05% a year during that time and loans to deposits ratio reached 169% at the end of 2017. The company achieved an average return on equity of 6.15% in the last five years with net profit growing 40.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 77.8% in 2017, compared to 78.8% average in the last five years.
Equity represented 10.4% of total assets or 20.6% of loans at the end of 2017. Raiffeisenlandesbank Oberosterreich's non-performing loans were 3.09% of total loans while provisions covered some 77.6% of NPLs at the end of 2017.
Helgi Library 
