By Helgi Library - June 12, 2018
Raiffeisenlandesbank Vorarlberg made a net profit of EUR 18.8 mil under revenues of EUR 56.4 mil in 2017, up 72.1% and 5.87% respecti...
By Helgi Library - June 12, 2018
Raiffeisenlandesbank Vorarlberg made a net profit of EUR 18.8 mil under revenues of EUR 56.4 mil in 2017, up 72.1% and 5.87% respecti...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 32.3 | 29.6 | 31.1 |
| Net Fee Income | EUR mil | 10.2 | 9.78 | 9.35 |
| Other Income | EUR mil | 13.2 | 13.9 | 16.0 |
| Total Revenues | EUR mil | 55.7 | 53.3 | 56.4 |
| Staff Cost | EUR mil | 23.4 | 25.1 | 24.1 |
| Operating Profit | EUR mil | 19.8 | 16.0 | 20.6 |
| Provisions | EUR mil | -14.3 | 5.92 | -4.36 |
| Net Profit | EUR mil | 17.9 | 10.9 | 18.8 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 2,485 | 2,143 | 2,442 |
| Customer Loans | EUR mil | 1,350 | 1,443 | 1,473 |
| Total Assets | EUR mil | 6,288 | 6,085 | 6,479 |
| Shareholders' Equity | EUR mil | 296 | 294 | 310 |
| Interbank Borrowing | EUR mil | 3,576 | 3,444 | 3,776 |
| Customer Deposits | EUR mil | 898 | 886 | 883 |
| Issued Debt Securities | EUR mil | 1,436 | 1,377 | 1,431 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 6.11 | 3.69 | 6.21 |
| ROA | % | 0.281 | 0.176 | 0.299 |
| Costs (As % Of Assets) | % | 0.563 | 0.603 | 0.570 |
| Costs (As % Of Income) | % | 64.5 | 70.0 | 63.4 |
| Capital Adequacy Ratio | % | 16.7 | 16.3 | 17.2 |
| Net Interest Margin | % | 0.507 | 0.478 | 0.495 |
| Loans (As % Of Deposits) | % | 150 | 163 | 167 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | -15.3 | -4.31 | 5.87 |
| Operating Cost Growth | % | -1.91 | 3.96 | -4.11 |
| Operating Profit Growth | % | -32.2 | -19.3 | 29.2 |
| Net Profit Growth | % | -0.556 | -39.1 | 72.1 |
| Customer Loan Growth | % | 5.40 | 6.90 | 2.02 |
| Total Asset Growth | % | -2.73 | -3.23 | 6.46 |
| Customer Deposit Growth | % | -3.10 | -1.23 | -0.423 |
| Shareholders' Equity Growth | % | 2.31 | -0.758 | 5.42 |
Get all company financials in excel:
| summary | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||
| Net Interest Income | EUR mil | ... | ... | ... | 30.4 | 32.3 | ||
| Total Revenues | EUR mil | 55.3 | 58.7 | 63.3 | 65.8 | 55.7 | ||
| Operating Profit | EUR mil | 22.5 | 24.3 | 26.5 | 29.2 | 19.8 | ||
| Net Profit | EUR mil | 13.0 | 14.3 | 62.2 | 18.0 | 17.9 | ||
| balance sheet | ||||||||
| Interbank Loans | EUR mil | ... | ... | ... | 2,538 | 2,485 | ||
| Customer Loans | EUR mil | ... | ... | ... | 1,281 | 1,350 | ||
| Debt Securities | EUR mil | ... | ... | ... | 2,347 | 2,190 | ||
| Total Assets | EUR mil | ... | ... | ... | 6,465 | 6,288 | ||
| Shareholders' Equity | EUR mil | ... | ... | ... | 290 | 296 | ||
| Interbank Borrowing | EUR mil | ... | ... | ... | 3,577 | 3,576 | ||
| Customer Deposits | EUR mil | ... | ... | ... | 926 | 898 | ||
| Issued Debt Securities | EUR mil | ... | ... | ... | 1,596 | 1,436 | ||
| ratios | ||||||||
| ROE | % | ... | ... | ... | 6.22 | 6.11 | ||
| ROA | % | ... | ... | ... | 0.278 | 0.281 | ||
| Costs (As % Of Assets) | % | ... | ... | ... | 0.566 | 0.563 | ||
| Costs (As % Of Income) | % | 59.3 | 58.6 | 58.1 | 55.6 | 64.5 | ||
| Capital Adequacy Ratio | % | ... | ... | ... | 15.8 | 16.7 | ||
| Net Interest Margin | % | ... | ... | ... | 0.470 | 0.507 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 46.2 | 58.0 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 15.5 | 18.3 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 64.8 | 65.2 | ||
| Equity (As % Of Assets) | % | ... | ... | ... | 4.48 | 4.71 | ||
| Loans (As % Of Deposits) | % | ... | ... | ... | 138 | 150 | ||
| Loans (As % Assets) | % | ... | ... | ... | 19.8 | 21.5 | ||
| valuation | ||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | 6.25 |
| income statement | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||
| Interest Income | EUR mil | ... | ... | ... | 103 | 92.3 | ||
| Interest Cost | EUR mil | ... | ... | ... | 72.4 | 60.0 | ||
| Net Interest Income | EUR mil | ... | ... | ... | 30.4 | 32.3 | ||
| Net Fee Income | EUR mil | ... | ... | ... | 10.2 | 10.2 | ||
| Other Income | EUR mil | ... | ... | ... | 25.2 | 13.2 | ||
| Total Revenues | EUR mil | 55.3 | 58.7 | 63.3 | 65.8 | 55.7 | ||
| Staff Cost | EUR mil | ... | ... | ... | 23.7 | 23.4 | ||
| Depreciation | EUR mil | ... | ... | ... | 1.60 | 1.40 | ||
| Other Cost | EUR mil | ... | ... | ... | 11.3 | 11.1 | ||
| Operating Cost | EUR mil | 32.8 | 34.4 | 36.8 | 36.6 | 35.9 | ||
| Operating Profit | EUR mil | 22.5 | 24.3 | 26.5 | 29.2 | 19.8 | ||
| Provisions | EUR mil | ... | ... | ... | 5.60 | -14.3 | ||
| Extra and Other Cost | EUR mil | ... | ... | ... | 0.100 | 0 | ||
| Pre-Tax Profit | EUR mil | 18.9 | 20.6 | 33.5 | 23.5 | 34.1 | ||
| Tax | EUR mil | 5.90 | 6.30 | -28.7 | 5.60 | 16.2 | ||
| Minorities | EUR mil | 0 | 0 | 0 | 0 | 0 | ||
| Net Profit | EUR mil | 13.0 | 14.3 | 62.2 | 18.0 | 17.9 | ||
| growth rates | ||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | 6.25 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | 0 | ||
| Total Revenue Growth | % | ... | 6.15 | 7.84 | 3.95 | -15.3 | ||
| Operating Cost Growth | % | ... | 4.88 | 6.98 | -0.543 | -1.91 | ||
| Operating Profit Growth | % | ... | 8.00 | 9.05 | 10.2 | -32.2 | ||
| Pre-Tax Profit Growth | % | ... | 8.99 | 62.6 | -29.9 | 45.1 | ||
| Net Profit Growth | % | ... | 10.0 | 335 | -71.1 | -0.556 | ||
| market share | ||||||||
| Market Share in Revenues | % | 0.287 | 0.307 | 0.334 | 0.330 | 0.268 | ||
| Market Share in Net Profit | % | 1.09 | 0.445 | -6.65 | -0.269 | 0.481 |
| balance sheet | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||
| Cash | EUR mil | ... | ... | ... | 9.00 | 6.22 | ||
| Interbank Loans | EUR mil | ... | ... | ... | 2,538 | 2,485 | ||
| Customer Loans | EUR mil | ... | ... | ... | 1,281 | 1,350 | ||
| Debt Securities | EUR mil | ... | ... | ... | 2,347 | 2,190 | ||
| Fixed Assets | EUR mil | ... | ... | ... | 30.9 | 30.2 | ||
| Total Assets | EUR mil | ... | ... | ... | 6,465 | 6,288 | ||
| Shareholders' Equity | EUR mil | ... | ... | ... | 290 | 296 | ||
| Of Which Minority Interest | EUR mil | ... | ... | ... | 0 | 0 | ||
| Liabilities | EUR mil | ... | ... | ... | 6,175 | 5,992 | ||
| Interbank Borrowing | EUR mil | ... | ... | ... | 3,577 | 3,576 | ||
| Customer Deposits | EUR mil | ... | ... | ... | 926 | 898 | ||
| Issued Debt Securities | EUR mil | ... | ... | ... | 1,596 | 1,436 | ||
| Other Liabilities | EUR mil | ... | ... | ... | 75.3 | 82.4 | ||
| growth rates | ||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 5.40 | ||
| Total Asset Growth | % | ... | ... | ... | ... | -2.73 | ||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 2.31 | ||
| Customer Deposit Growth | % | ... | ... | ... | ... | -3.10 | ||
| market share | ||||||||
| Market Share in Customer Loans | % | ... | ... | ... | 0.301 | 0.314 | ||
| Market Share in Total Assets | % | ... | ... | ... | 0.721 | 0.732 | ||
| Market Share in Customer Deposits | % | ... | ... | ... | 0.248 | 0.233 |
| ratios | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||
| ROE | % | ... | ... | ... | 6.22 | 6.11 | ||
| ROA | % | ... | ... | ... | 0.278 | 0.281 | ||
| Costs (As % Of Assets) | % | ... | ... | ... | 0.566 | 0.563 | ||
| Costs (As % Of Income) | % | 59.3 | 58.6 | 58.1 | 55.6 | 64.5 | ||
| Capital Adequacy Ratio | % | ... | ... | ... | 15.8 | 16.7 | ||
| Tier 1 Ratio | % | ... | ... | ... | 12.5 | 13.3 | ||
| Net Interest Margin | % | ... | ... | ... | 0.470 | 0.507 | ||
| Interest Spread | % | ... | ... | ... | ... | 0.461 | ||
| Asset Yield | % | ... | ... | ... | 1.59 | 1.45 | ||
| Cost Of Liabilities | % | ... | ... | ... | ... | 0.986 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 46.2 | 58.0 | ||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 15.5 | 18.3 | ||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 38.3 | 23.7 | ||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 64.8 | 65.2 | ||
| Equity (As % Of Assets) | % | ... | ... | ... | 4.48 | 4.71 | ||
| Loans (As % Of Deposits) | % | ... | ... | ... | 138 | 150 | ||
| Loans (As % Assets) | % | ... | ... | ... | 19.8 | 21.5 | ||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 0.437 | -1.12 |
Get all company financials in excel:
Raiffeisenlandesbank Vorarlberg has been growing its revenues and asset by -4.99% and 0.071% a year on average in the last 3 years. Its loans and deposits have grown by 4.75% and -1.59% a year during that time and loans to deposits ratio reached 167% at the end of 2017. The company achieved an average return on equity of 5.34% in the last three years with net profit growing 1.40% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.4% in 2017, compared to 66.0% average in the last three years.
Equity represented 4.78% of total assets or 21.1% of loans at the end of 2017. Raiffeisenlandesbank Vorarlberg's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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