By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark made a net profit of EUR 295 mil in 2017, up 1,031% compared to the previous year. This implies ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark made a net profit of EUR 295 mil in 2017, up 1,031% compared to the previous year. This implies ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's non-performing loans reached 5.08% of total loans at the end of 2017, down from 6.43% compared ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 140 | 131 | 111 |
| Net Fee Income | EUR mil | 38.9 | 36.5 | 37.5 |
| Other Income | EUR mil | 83.2 | 5.90 | 69.4 |
| Total Revenues | EUR mil | 262 | 173 | 218 |
| Staff Cost | EUR mil | 89.4 | 86.6 | 87.7 |
| Operating Profit | EUR mil | 92.4 | 14.7 | 59.1 |
| Provisions | EUR mil | -10.5 | -45.3 | -5.01 |
| Net Profit | EUR mil | 152 | 26.1 | 295 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 2,850 | 2,815 | 2,284 |
| Customer Loans | EUR mil | 5,290 | 5,464 | 5,826 |
| Total Assets | EUR mil | 14,046 | 14,962 | 14,715 |
| Shareholders' Equity | EUR mil | 1,239 | 1,275 | 1,497 |
| Interbank Borrowing | EUR mil | 3,659 | 4,013 | 4,433 |
| Customer Deposits | EUR mil | 2,644 | 2,938 | 2,930 |
| Issued Debt Securities | EUR mil | 1,739 | 2,537 | 2,863 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 12.7 | 2.07 | 21.3 |
| ROA | % | 1.07 | 0.180 | 1.99 |
| Costs (As % Of Assets) | % | 1.20 | 1.09 | 1.07 |
| Costs (As % Of Income) | % | 64.8 | 91.5 | 72.9 |
| Capital Adequacy Ratio | % | 16.7 | 18.8 | 21.2 |
| Net Interest Margin | % | 0.992 | 0.902 | 0.748 |
| Loans (As % Of Deposits) | % | 200 | 186 | 199 |
| NPLs (As % Of Loans) | % | 9.18 | 6.43 | 5.08 |
| Provisions (As % Of NPLs) | % | 60.9 | 68.7 | 72.0 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 0.878 | -33.9 | 25.8 |
| Operating Cost Growth | % | -8.42 | -6.60 | 0.121 |
| Operating Profit Growth | % | 24.0 | -84.1 | 303 |
| Net Profit Growth | % | 2,807 | -82.8 | 1,031 |
| Customer Loan Growth | % | -0.032 | 3.30 | 6.63 |
| Total Asset Growth | % | -1.18 | 6.52 | -1.65 |
| Customer Deposit Growth | % | 5.09 | 11.1 | -0.276 |
| Shareholders' Equity Growth | % | 7.19 | 2.89 | 17.4 |
| Employees | 963 | 926 | 896 | |
Get all company financials in excel:
| summary | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||
| Net Interest Income | EUR mil | 112 | 109 | 109 | 109 | 140 | ||||
| Total Revenues | EUR mil | 214 | 239 | 133 | 260 | 262 | ||||
| Operating Profit | EUR mil | 52.6 | 75.5 | -38.4 | 74.5 | 92.4 | ||||
| Net Profit | EUR mil | 73.7 | -7.23 | -39.8 | 5.21 | 152 | ||||
| balance sheet | ||||||||||
| Interbank Loans | EUR mil | 1,677 | 2,017 | 2,680 | 2,785 | 2,850 | ||||
| Customer Loans | EUR mil | 6,079 | 5,850 | 5,529 | 5,291 | 5,290 | ||||
| Debt Securities | EUR mil | 4,487 | 4,860 | 4,915 | 4,990 | 4,728 | ||||
| Total Assets | EUR mil | 14,432 | 14,996 | 14,558 | 14,214 | 14,046 | ||||
| Shareholders' Equity | EUR mil | 1,349 | 1,444 | 1,329 | 1,156 | 1,239 | ||||
| Interbank Borrowing | EUR mil | 3,248 | 3,598 | 3,305 | 3,475 | 3,659 | ||||
| Customer Deposits | EUR mil | 2,221 | 2,357 | 2,517 | 2,516 | 2,644 | ||||
| Issued Debt Securities | EUR mil | 1,039 | 1,027 | 1,364 | 1,628 | 1,739 | ||||
| ratios | ||||||||||
| ROE | % | 6.61 | -0.518 | -2.87 | 0.420 | 12.7 | ||||
| ROA | % | 0.614 | -0.049 | -0.269 | 0.036 | 1.07 | ||||
| Costs (As % Of Assets) | % | 1.34 | 1.11 | 1.16 | 1.29 | 1.20 | ||||
| Costs (As % Of Income) | % | 75.4 | 68.4 | 129 | 71.3 | 64.8 | ||||
| Capital Adequacy Ratio | % | ... | ... | 12.2 | 12.5 | 15.6 | 14.2 | 16.7 | ||
| Net Interest Margin | % | 0.933 | 0.744 | 0.736 | 0.756 | 0.992 | ||||
| Interest Income (As % Of Revenues) | % | 52.3 | 45.8 | 82.0 | 41.9 | 53.4 | ||||
| Fee Income (As % Of Revenues) | % | 16.0 | 14.3 | 27.0 | 14.2 | 14.8 | ||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 53.0 | 53.7 | 50.2 | 47.7 | 52.7 | ||
| Equity (As % Of Assets) | % | 9.35 | 9.63 | 9.13 | 8.13 | 8.82 | ||||
| Loans (As % Of Deposits) | % | 274 | 248 | 220 | 210 | 200 | ||||
| Loans (As % Assets) | % | 42.1 | 39.0 | 38.0 | 37.2 | 37.7 | ||||
| NPLs (As % Of Loans) | % | ... | ... | 6.48 | 7.92 | 10.5 | 10.5 | 9.18 | ||
| Provisions (As % Of NPLs) | % | ... | ... | 68.3 | 75.5 | 65.8 | 66.2 | 60.9 | ||
| valuation | ||||||||||
| Book Value Per Share Growth | % | ... | 113 | -2.18 | -0.605 | -0.005 | 28.8 |
| income statement | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||
| Interest Income | EUR mil | 377 | 381 | 365 | 348 | 347 | ||||
| Interest Cost | EUR mil | 265 | 271 | 256 | 240 | 207 | ||||
| Net Interest Income | EUR mil | 112 | 109 | 109 | 109 | 140 | ||||
| Net Fee Income | EUR mil | 34.3 | 34.2 | 35.9 | 36.9 | 38.9 | ||||
| Other Income | EUR mil | 67.6 | 95.3 | -12.0 | 114 | 83.2 | ||||
| Total Revenues | EUR mil | 214 | 239 | 133 | 260 | 262 | ||||
| Staff Cost | EUR mil | ... | ... | 85.5 | 87.7 | 85.9 | 88.4 | 89.4 | ||
| Depreciation | EUR mil | ... | ... | 15.6 | 15.5 | 16.3 | 19.2 | 17.3 | ||
| Other Cost | EUR mil | ... | ... | 60.2 | 60.3 | 68.9 | 77.8 | 63.0 | ||
| Operating Cost | EUR mil | 161 | 163 | 171 | 185 | 170 | ||||
| Operating Profit | EUR mil | 52.6 | 75.5 | -38.4 | 74.5 | 92.4 | ||||
| Provisions | EUR mil | 26.3 | 130 | 90.0 | 32.8 | -10.5 | ||||
| Extra and Other Cost | EUR mil | -87.7 | -68.7 | -64.4 | 49.5 | -52.2 | ||||
| Pre-Tax Profit | EUR mil | 114 | 14.3 | -64.1 | -7.80 | 155 | ||||
| Tax | EUR mil | 33.9 | 13.5 | -25.2 | -12.8 | 2.62 | ||||
| Minorities | EUR mil | 6.31 | 7.98 | 0.860 | -0.161 | 0.896 | ||||
| Net Profit | EUR mil | 73.7 | -7.23 | -39.8 | 5.21 | 152 | ||||
| growth rates | ||||||||||
| Net Interest Income Growth | % | ... | 113 | -2.18 | -0.605 | -0.005 | 28.8 | |||
| Net Fee Income Growth | % | ... | 36.5 | -0.277 | 4.82 | 2.83 | 5.36 | |||
| Total Revenue Growth | % | ... | 69.1 | 11.7 | -44.5 | 95.8 | 0.878 | |||
| Operating Cost Growth | % | ... | 85.0 | 1.32 | 4.68 | 8.35 | -8.42 | |||
| Operating Profit Growth | % | ... | 33.7 | 43.7 | -151 | -294 | 24.0 | |||
| Pre-Tax Profit Growth | % | ... | 152 | -87.5 | -548 | -87.8 | -2,089 | |||
| Net Profit Growth | % | ... | 514 | -110 | 450 | -113 | 2,807 | |||
| market share | ||||||||||
| Market Share in Revenues | % | 1.11 | 1.25 | 0.700 | 1.30 | 1.26 | ||||
| Market Share in Net Profit | % | 6.17 | -0.225 | 4.25 | -0.078 | 4.07 | ||||
| Market Share in Employees | % | ... | ... | 0.032 | 0.032 | 1.29 | 1.31 | 1.31 | ||
| Market Share in Branches | % | ... | ... | 22.3 | 22.5 | 0.551 | 0.542 | 0.513 |
| balance sheet | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||
| Cash | EUR mil | 277 | 194 | 78.7 | 41.1 | 47.2 | ||||
| Interbank Loans | EUR mil | 1,677 | 2,017 | 2,680 | 2,785 | 2,850 | ||||
| Customer Loans | EUR mil | 6,079 | 5,850 | 5,529 | 5,291 | 5,290 | ||||
| Debt Securities | EUR mil | 4,487 | 4,860 | 4,915 | 4,990 | 4,728 | ||||
| Fixed Assets | EUR mil | 81.9 | 100 | 181 | 172 | 160 | ||||
| Total Assets | EUR mil | 14,432 | 14,996 | 14,558 | 14,214 | 14,046 | ||||
| Shareholders' Equity | EUR mil | 1,349 | 1,444 | 1,329 | 1,156 | 1,239 | ||||
| Of Which Minority Interest | EUR mil | 90.5 | 92.3 | 89.3 | 54.8 | 55.9 | ||||
| Liabilities | EUR mil | 13,082 | 13,552 | 13,229 | 13,058 | 12,807 | ||||
| Interbank Borrowing | EUR mil | 3,248 | 3,598 | 3,305 | 3,475 | 3,659 | ||||
| Customer Deposits | EUR mil | 2,221 | 2,357 | 2,517 | 2,516 | 2,644 | ||||
| Sight Deposits | EUR mil | ... | ... | 1,169 | 1,342 | 1,398 | 1,375 | 1,487 | ||
| Term Deposits | EUR mil | ... | ... | 1,052 | 1,015 | 1,118 | 1,142 | 1,158 | ||
| Issued Debt Securities | EUR mil | 1,039 | 1,027 | 1,364 | 1,628 | 1,739 | ||||
| Other Liabilities | EUR mil | 6,575 | 6,571 | 6,043 | 5,439 | 4,765 | ||||
| asset quality | ||||||||||
| Non-Performing Loans | EUR mil | ... | ... | 412 | 493 | 624 | 596 | 514 | ||
| Gross Loans | EUR mil | ... | ... | 6,360 | 6,222 | 5,939 | 5,686 | 5,603 | ||
| Total Provisions | EUR mil | ... | ... | 281 | 372 | 410 | 395 | 313 | ||
| growth rates | ||||||||||
| Customer Loan Growth | % | ... | 90.4 | -3.77 | -5.48 | -4.29 | -0.032 | |||
| Total Asset Growth | % | ... | 50.9 | 3.91 | -2.92 | -2.36 | -1.18 | |||
| Shareholders' Equity Growth | % | ... | 53.3 | 7.00 | -7.97 | -13.0 | 7.19 | |||
| Customer Deposit Growth | % | ... | 46.1 | 6.14 | 6.77 | -0.013 | 5.09 | |||
| market share | ||||||||||
| Market Share in Customer Loans | % | 1.36 | 1.33 | 1.28 | 1.24 | 1.23 | ||||
| Market Share in Total Assets | % | 1.42 | 1.53 | 1.57 | 1.59 | 1.63 | ||||
| Market Share in Customer Deposits | % | 0.638 | 0.666 | 0.694 | 0.673 | 0.686 |
| ratios | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||
| ROE | % | 6.61 | -0.518 | -2.87 | 0.420 | 12.7 | ||||
| ROA | % | 0.614 | -0.049 | -0.269 | 0.036 | 1.07 | ||||
| Costs (As % Of Assets) | % | 1.34 | 1.11 | 1.16 | 1.29 | 1.20 | ||||
| Costs (As % Of Income) | % | 75.4 | 68.4 | 129 | 71.3 | 64.8 | ||||
| Capital Adequacy Ratio | % | ... | ... | 12.2 | 12.5 | 15.6 | 14.2 | 16.7 | ||
| Tier 1 Ratio | % | ... | ... | 10.5 | 10.7 | 14.2 | 13.2 | 15.8 | ||
| Net Interest Margin | % | 0.933 | 0.744 | 0.736 | 0.756 | 0.992 | ||||
| Interest Spread | % | ... | 0.707 | 0.551 | 0.557 | 0.599 | 0.856 | |||
| Asset Yield | % | 3.14 | 2.59 | 2.47 | 2.42 | 2.46 | ||||
| Cost Of Liabilities | % | ... | 2.43 | 2.04 | 1.91 | 1.82 | 1.60 | |||
| Interest Income (As % Of Revenues) | % | 52.3 | 45.8 | 82.0 | 41.9 | 53.4 | ||||
| Fee Income (As % Of Revenues) | % | 16.0 | 14.3 | 27.0 | 14.2 | 14.8 | ||||
| Other Income (As % Of Revenues) | % | 31.6 | 39.9 | -9.03 | 43.9 | 31.7 | ||||
| Cost Per Employee | USD per month | ... | ... | 396,282 | 375,422 | 9,667 | 9,750 | 8,870 | ||
| Cost Per Employee (Local Currency) | EUR per month | ... | ... | 285,013 | 292,397 | 7,282 | 7,564 | 7,738 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 53.0 | 53.7 | 50.2 | 47.7 | 52.7 | ||
| Equity (As % Of Assets) | % | 9.35 | 9.63 | 9.13 | 8.13 | 8.82 | ||||
| Loans (As % Of Deposits) | % | 274 | 248 | 220 | 210 | 200 | ||||
| Loans (As % Assets) | % | 42.1 | 39.0 | 38.0 | 37.2 | 37.7 | ||||
| NPLs (As % Of Loans) | % | ... | ... | 6.48 | 7.92 | 10.5 | 10.5 | 9.18 | ||
| Provisions (As % Of NPLs) | % | ... | ... | 68.3 | 75.5 | 65.8 | 66.2 | 60.9 | ||
| Provisions (As % Of Loans) | % | ... | ... | 4.63 | 6.36 | 7.42 | 7.46 | 5.92 | ||
| Cost of Provisions (As % Of Loans) | % | 0.567 | 2.18 | 1.58 | 0.606 | -0.198 |
| other data | Unit | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||
| Branches | ... | ... | 987 | 1,002 | 24.0 | 23.0 | 21.0 | |||
| Employees | ... | ... | 25.0 | 25.0 | 983 | 974 | 963 | |||
| Sight (As % Of Customer Deposits) | % | ... | ... | 52.6 | 56.9 | 55.6 | 54.6 | 56.2 |
Get all company financials in excel:
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's non-performing loans reached 5.08% of total loans at the end of 2017, down from 6.43% compared to the previous year. Historically, the NPL ratio hit an all time high of 10.5% in 2013 and an all time low of 5.08% in 2017. Pr...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's capital adequacy ratio reached 21.2% at the end of 2017, up from 18.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 21.2% in 2017 and an all time low of 12.2% in 2011. The Tier...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's capital adequacy ratio reached 21.2% at the end of 2017, up from 18.8% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 21.2% in 2017 and an all time low of 12.2% in 2011. The Tier...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's customer deposits reached EUR 2,930 mil in 2017, down 0.276% 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. Raiffeisenlan...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's customer deposits reached EUR 2,930 mil in 2017, down 0.276% 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. Raiffeisenlan...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's net interest margin amounted to 0.748% in 2017, down from 0.902% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.992% in 2015 and an all time low of 0.555% in 2010. ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's net interest margin amounted to 0.748% in 2017, down from 0.902% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.992% in 2015 and an all time low of 0.555% in 2010. ...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark employed 896 persons in 2017, down 3.24% when compared to the previous year. Historically, the bank's workforce hit an all time high of 983 persons in 2013 and an all time low of 25.0 in 2011. Average cost reached USD 9,156 per mont...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark employed 896 persons in 2017, down 3.24% when compared to the previous year. Historically, the bank's workforce hit an all time high of 983 persons in 2013 and an all time low of 25.0 in 2011. Average cost reached USD 9,156 per mont...
By Helgi Library - September 29, 2018
Raiffeisenlandesbank Steiermark's customer loans reached EUR 5,826 mil in 2017, up 6.63% 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. Raiffeisenlandesbank St...
Raiffeisenlandesbank Steiermark has been growing its revenues and asset by -1.83% and -0.378% a year on average in the last 5 years. Its loans and deposits have grown by -0.080% and 4.45% a year during that time and loans to deposits ratio reached 199% at the end of 2017. The company achieved an average return on equity of 6.71% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 72.9% in 2017, compared to 85.9% average in the last five years.
Equity represented 10.2% of total assets or 25.7% of loans at the end of 2017. Raiffeisenlandesbank Steiermark's non-performing loans were 5.08% of total loans while provisions covered some 72.0% of NPLs at the end of 2017.
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