Raiffeisen is the third largest building savings bank by loans. It is partly owned by the Czech subsidiary of Raiffeisenbank (10%) with the rest in the hands of Raiffeisen Bausparkasse. Following the acquisition of Hypo Stavební Spořitelna in 2008, the building savings bank owned 14.1% of building savings loans and 17.5% of deposits at the end of 2012.
Despite strengthening its market position, the bank’s overall balance sheet momentum is negative. Deposit growth was relatively solid at 3.9% in 2012, but loan growth disappeared completely in 2012. This is due mainly to the overall saturation of the market, ongoing reduction of the government subsidy and migration to mortgage lending.
Raiffeisen Stavební Spořitelna’s profitability has been deteriorating fast. From over 30% in 2008-2009, the bank’s ROE had dropped to less than 12% at the end of 2012. Increased cost of risk is the main reason for the deterioration in spite of the fact that asset quality has remained fairly good in recent years.
This excel file offers a summary of the company's performance in between 1Q2003-1Q2013, both on the quarterly as well as the annual basis. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector as well as the segment of building societies.
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