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Raiffeisenbank Czech Republic

Raiffeisenbank Czech Republic - Market Share in Bank Deposits

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's customer deposits reached CZK 618,863 mil in 2024-09-30, up 0.232% compared to the previous year. ...

Raiffeisenbank Czech Republic - Market Share in Bank Loans

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's customer loans reached CZK 375,631 mil in 2024-09-30, up 0.670% compared to the previous year. ...

Raiffeisen CR's net profit rose 20.9% yoy to CZK 1,694 mil in 1Q2025

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic made a net profit of CZK 1,694 mil in the first quarter of 2025, up 20.9% when compared to the same...

Profit Statement 2022 2023 2024
Net Interest Income CZK mil 15,758 15,409 15,603
Net Fee Income CZK mil 4,994 4,677 4,936
Other Income CZK mil -20.0 426 538
Total Revenues CZK mil 20,732 20,512 21,077
Staff Cost CZK mil 4,399 4,476 4,802
Operating Profit CZK mil 10,593 10,804 11,329
Provisions CZK mil -145 975 613
Net Profit CZK mil 8,804 7,494 9,068
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 160,048 152,950 175,638
Customer Loans CZK mil 412,736 429,589 439,714
Investments CZK mil 51,617 99,719 131,049
Total Assets CZK mil 666,382 739,750 805,051
Shareholders' Equity CZK mil 54,145 58,694 62,255
Interbank Borrowing CZK mil 10,669 23,719 19,317
Customer Deposits CZK mil 550,061 593,995 657,089
Issued Debt Securities CZK mil 29,715 41,544 47,502
Ratios 2022 2023 2024
ROE % 17.6 13.3 15.0
ROA % 1.34 1.07 1.17
Costs (As % Of Assets) % 1.54 1.38 1.26
Costs (As % Of Income) % 48.9 47.3 46.2
Capital Adequacy Ratio % 18.3 20.0 20.8
Net Interest Margin % 2.39 2.19 2.02
Loans (As % Of Deposits) % 75.0 72.3 66.9
NPLs (As % Of Loans) % 1.39 1.47 1.50
Provisions (As % Of NPLs) % 90.1 88.2 79.4
Growth Rates 2022 2023 2024
Total Revenue Growth % 49.3 -1.06 2.75
Operating Cost Growth % 18.7 -4.25 0.412
Operating Profit Growth % 98.2 1.99 4.86
Net Profit Growth % 84.6 -14.9 21.0
Customer Loan Growth % 11.0 4.08 2.36
Total Asset Growth % 2.36 11.0 8.83
Customer Deposit Growth % -0.548 7.99 10.6
Shareholders' Equity Growth % 17.9 8.40 6.07
Employees 3,647 3,490 3,559

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summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                          
Net Interest Income CZK mil                             7,665 9,047 7,849 10,156 15,758    
Total Revenues CZK mil                             11,872 11,874 9,090 13,884 20,732    
Operating Profit CZK mil                             5,551 4,666 2,209 5,344 10,593    
Net Profit CZK mil                             3,815 4,731 2,224 4,770 8,804    
balance sheet                                          
Interbank Loans CZK mil                             99,528 87,242 107,619 197,963 160,048    
Customer Loans CZK mil                             236,604 246,644 249,083 371,751 412,736    
Investments CZK mil                             10,785 4,777 43,237 41,150 51,617    
Total Assets CZK mil                             366,158 370,715 482,000 651,008 666,382    
                                             
Shareholders' Equity CZK mil                             29,900 32,703 36,814 45,925 54,145    
Interbank Borrowing CZK mil                             34,402 21,961 12,201 13,107 10,669    
Customer Deposits CZK mil                             270,921 290,691 402,776 553,090 550,061    
Issued Debt Securities CZK mil                             22,177 16,001 17,614 25,510 29,715    
ratios                                          
ROE % ...                           13.2 15.1 6.40 11.5 17.6    
ROA % ...                           1.08 1.28 0.522 0.842 1.34    
Costs (As % Of Assets) % ...                           1.78 1.96 1.61 1.51 1.54    
Costs (As % Of Income) %                             53.2 60.7 75.7 61.5 48.9    
Capital Adequacy Ratio %                             16.9 18.7 19.1 18.5 18.3    
Net Interest Margin % ...                           2.16 2.46 1.84 1.79 2.39    
Interest Income (As % Of Revenues) %                             64.6 76.2 86.3 73.1 76.0    
Fee Income (As % Of Revenues) %                             16.7 28.0 34.3 28.5 24.1    
Staff Cost (As % Of Total Cost) %                             51.4 49.5 49.4 48.4 43.4    
Equity (As % Of Assets) %                             8.17 8.82 7.64 7.05 8.13    
Loans (As % Of Deposits) %                             87.3 84.8 61.8 67.2 75.0    
Loans (As % Assets) %                             64.6 66.5 51.7 57.1 61.9    
NPLs (As % Of Loans) %                             1.91 1.97 2.30 1.80 1.39    
Provisions (As % Of NPLs) %                             96.9 75.9 84.6 81.0 90.1    
valuation                                          
Book Value Per Share Growth % ...                           16.8 18.0 -13.2 29.4 55.2    
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                          
Interest Income CZK mil                             12,121 16,083 10,396 12,666 32,638    
Interest Cost CZK mil                             4,456 7,036 2,547 2,510 16,880    
Net Interest Income CZK mil                             7,665 9,047 7,849 10,156 15,758    
Net Fee Income CZK mil                             1,980 3,321 3,114 3,961 4,994    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4,313 4,042 5,145 6,152    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 992 928 1,184 1,158    
Other Income CZK mil                             2,226 -494 -1,873 -233 -20.0    
Total Revenues CZK mil                             11,872 11,874 9,090 13,884 20,732    
Staff Cost CZK mil                             3,252 3,569 3,399 4,131 4,399    
Depreciation CZK mil                             842 1,505 1,423 1,719 2,326    
Other Cost CZK mil                             2,227 2,134 2,059 2,690 3,414    
Operating Cost CZK mil                             6,321 7,208 6,881 8,540 10,139    
Operating Profit CZK mil                             5,551 4,666 2,209 5,344 10,593    
Provisions CZK mil                             880 333 88.0 0 -145    
Extra and Other Cost CZK mil                             -13.6 -1,263 -628 -621 -211    
Pre-Tax Profit CZK mil                             4,684 5,596 2,749 5,965 10,949    
Tax CZK mil                             869 865 525 1,195 2,145    
Minorities CZK mil                             0 0 0 0 0    
Net Profit CZK mil                             3,815 4,731 2,224 4,770 8,804    
Net Profit Avail. to Common CZK mil                             3,815 4,731 2,224 4,770 8,804    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 3,185   ...
growth rates                                          
Net Interest Income Growth % ...                           16.8 18.0 -13.2 29.4 55.2    
Net Fee Income Growth % ...                           -1.19 67.7 -6.23 27.2 26.1    
Total Revenue Growth % ...                           4.71 0.020 -23.4 52.7 49.3    
Operating Cost Growth % ...                           -2.42 14.0 -4.54 24.1 18.7    
Operating Profit Growth % ...                           14.2 -15.9 -52.7 142 98.2    
Pre-Tax Profit Growth % ...                           4.81 19.5 -50.9 117 83.6    
Net Profit Growth % ...                           23.7 24.0 -53.0 114 84.6    
market share                                          
Market Share in Revenues %                             6.24 5.87 5.04 7.53 8.87   ...
Market Share in Net Profit %                             4.76 5.27 4.82 6.91 8.72    
Market Share in Employees %                             7.10 7.13 7.76 7.73 9.26   ...
Market Share in Branches %                             6.55 6.74 7.08 6.64 8.19   ...
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
balance sheet                                          
Cash & Cash Equivalents CZK mil                             12,106 14,135 5,852 9,461 13,902    
Interbank Loans CZK mil                             99,528 87,242 107,619 197,963 160,048    
Customer Loans CZK mil                             236,604 246,644 249,083 371,751 412,736    
Retail Loans CZK mil                             114,994 119,308 120,871 123,202 175,173    
Mortgage Loans CZK mil                             93,528 95,242 96,094 98,547 127,138    
Consumer Loans CZK mil                             21,465 24,066 24,777 24,655 48,035    
Corporate Loans CZK mil                             115,847 133,454 131,928 134,223 149,441    
Investments CZK mil                             10,785 4,777 43,237 41,150 51,617    
Property and Equipment CZK mil                             4,779 6,936 4,098 4,199 3,464    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 7,937 3,247 6,180 5,868    
Total Assets CZK mil                             366,158 370,715 482,000 651,008 666,382    
                                             
Shareholders' Equity CZK mil                             29,900 32,703 36,814 45,925 54,145    
Of Which Minority Interest CZK mil                             0 0 0 0 0    
Liabilities CZK mil                             336,258 338,012 445,186 605,083 612,237    
Interbank Borrowing CZK mil                             34,402 21,961 12,201 13,107 10,669    
Customer Deposits CZK mil                             270,921 290,691 402,776 553,090 550,061    
Retail Deposits CZK mil                             154,539 166,958 260,993 376,420 375,843    
Corporate Deposits CZK mil                             99,549 101,748 125,617 154,803 144,671    
Sight Deposits CZK mil                             242,944 257,938 336,583 448,505 385,370    
Term Deposits CZK mil                             27,977 32,753 66,193 104,585 164,691    
Issued Debt Securities CZK mil                             22,177 16,001 17,614 25,510 29,715    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3,309 4,561 5,526 5,162    
Other Liabilities CZK mil                             8,760 9,359 12,595 13,376 21,792    
asset quality                                          
Non-Performing Loans CZK mil                             4,594 4,942 7,008 6,776 5,819    
Gross Loans CZK mil                             241,056 250,396 304,681 377,239 417,980    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ...         159,225 164,567 173,680 213,032 244,410    
Total Provisions CZK mil                             4,451 3,752 5,931 5,488 5,244    
growth rates                                          
Customer Loan Growth % ...                           8.04 4.24 0.989 49.2 11.0    
Retail Loan Growth % ...                           6.83 3.75 1.31 1.93 42.2    
Mortgage Loan Growth % ...                           7.77 1.83 0.894 2.55 29.0    
Consumer Loan Growth % ...                           2.94 12.1 2.96 -0.494 94.8    
Corporate Loan Growth % ...                           7.07 15.2 -1.14 1.74 11.3    
Total Asset Growth % ...                           6.85 1.24 30.0 35.1 2.36    
Shareholders' Equity Growth % ...                           7.15 9.37 12.6 24.7 17.9    
Customer Deposit Growth % ...                           7.62 7.30 38.6 37.3 -0.548    
Retail Deposit Growth % ...                           10.1 8.04 56.3 44.2 -0.153    
Corporate Deposit Growth % ...                           2.74 2.21 23.5 23.2 -6.55    
market share                                          
Market Share in Customer Loans %                             7.16 7.15 6.93 9.66 10.1    
Market Share in Corporate Loans %                             10.7 11.9 11.7 11.3 12.1    
Market Share in Retail Loans %                             7.00 6.84 6.50 6.03 8.18    
Market Share in Consumer Loans %                             5.41 5.79 5.86 5.50 10.2   ...
Market Share in Mortgage Loans %                             7.51 7.16 6.69 6.18 7.60    
Market Share in Total Assets %                             5.03 4.90 6.05 7.64 7.48   ...
Market Share in Customer Deposits %                             6.09 6.13 7.80 10.1 9.39    
Market Share in Retail Deposits %                             6.04 6.13 8.54 11.5 11.1    
Market Share in Corporate Deposits %                             9.56 9.29 10.3 11.8 10.6    
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                           
ROE % ...                           13.2 15.1 6.40 11.5 17.6    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 7.63 13.0 20.0    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ...       18.8 19.5 8.77 16.4 25.7    
ROA % ...                           1.08 1.28 0.522 0.842 1.34    
Return on Loans %                             1.67 1.96 0.897 1.54 2.24    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...       4.10 2.88 1.31 2.76 4.63    
Costs (As % Of Assets) % ...                           1.78 1.96 1.61 1.51 1.54    
Costs (As % Of Income) %                             53.2 60.7 75.7 61.5 48.9    
Costs (As % Of Loans) % ...                           2.77 2.98 2.78 2.75 2.58    
Costs (As % Of Loans & Deposits) % ...                           1.29 1.38 1.16 1.08 1.07    
Capital Adequacy Ratio %                             16.9 18.7 19.1 18.5 18.3    
Tier 1 Ratio %     ... ... ... ... ... ...             14.9 16.5 16.4 16.0 16.3    
Net Interest Margin % ...                           2.16 2.46 1.84 1.79 2.39    
Interest Spread % ...                           2.05 2.28 1.79 1.76 2.18    
Asset Yield % ...                           3.42 4.37 2.44 2.24 4.95    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...       8.77 7.33 5.37 7.18 9.06    
Cost Of Liabilities % ...                           1.37 2.09 0.650 0.478 2.77    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 36.2   ...
Interest Income (As % Of Revenues) %                             64.6 76.2 86.3 73.1 76.0    
Fee Income (As % Of Revenues) %                             16.7 28.0 34.3 28.5 24.1    
Other Income (As % Of Revenues) %                             18.8 -4.16 -20.6 -1.68 -0.096    
Staff Cost (As % Of Total Cost) %                             51.4 49.5 49.4 48.4 43.4    
Equity (As % Of Assets) %                             8.17 8.82 7.64 7.05 8.13    
Equity (As % Of Loans) %                             12.6 13.3 14.8 12.4 13.1    
Loans (As % Of Deposits) %                             87.3 84.8 61.8 67.2 75.0    
Loans (As % Assets) %                             64.6 66.5 51.7 57.1 61.9    
NPLs (As % Of Loans) %                             1.91 1.97 2.30 1.80 1.39    
Provisions (As % Of NPLs) %                             96.9 75.9 84.6 81.0 90.1    
Provisions (As % Of Loans) %                             1.88 1.52 2.38 1.48 1.27    
Cost of Provisions (As % Of Loans) % ...                           0.386 0.138 0.036 0 -0.037    
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                           
Branches                             128 128 119 106 125    
ATMs ... ... ... ... ... ... ... ... ... ... ...       88.0 106 ... ... ... ... ...
ATMs (As % of Bank Branches) % ... ... ... ... ... ... ... ... ... ... ...       68.8 82.8 ... ... ... ... ...
Employees                             2,972 2,966 3,159 3,071 3,647    
Employees Per Bank Branch                             23.2 23.2 26.5 29.0 29.2    
Cost Per Employee USD per month                             4,168 4,449 4,075 5,173 4,511    
Cost Per Employee (Local Currency) CZK per month                             91,186 100,289 89,664 112,097 100,516    
customer breakdown Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                           
Customers mil                             1.14 1.21 1.25 1.99 2.01    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.05    
Number of Mortgages mil ... ... ... ... ... ... ... ... ...           0.064 0.066 0.067 ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ...           1,451,000 1,444,000 1,444,000 ... ... ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 52.3    
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ...           5.63 5.45 5.31 ... ... ... ...
Revenue per Customer (Local Currency) CZK                             10,369 9,817 7,252 6,993 10,317    
Net Profit per Customer (Local Currency) CZK                             3,332 3,912 1,774 2,403 4,381    
Loan per Customer (Local Currency) CZK                             206,666 203,917 198,732 187,245 205,397    
Deposit per Customer (Local Currency) CZK                             236,640 240,334 321,357 278,583 273,737    
Revenue per Customer USD                             474 435 330 323 463    
Net Profit per Customer USD                             152 174 80.6 111 197    
Loan per Customer USD                             9,199 9,015 9,292 8,530 9,082    
Deposit per Customer USD                             10,533 10,624 15,026 12,691 12,104    

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Raiffeisen CR's net profit rose 20.9% yoy to CZK 1,694 mil in 1Q2025

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic made a net profit of CZK 1,694 mil under revenues of CZK 4,484 mil in the first quarter of 2025, up 20.9% and 6.93% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high...

Raiffeisen CR's mortgage loans rose 4.77% yoy to CZK 138,137 mil in 4Q2024

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's mortgage loans reached CZK 138,137 mil in 4Q2024, up 1.33% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,834 bil in 4Q2024, up 1.73% when compared to the last year. Raiffeisenbank Czec...

Raiffeisen CR's npls (as % of loans) fell 3.00% yoy to 1.41% in 1Q2025

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's non-performing loans reached 1.41% of total loans at the end of 2025-03-31, down from 1.46% compared to the previous year. Historically, the NPL ratio hit an all time high of 7.29% in 2010-09-30 and an all time low of 1.41% in 2024...

Raiffeisenbank Czech Republic - Market Share in Retail Loans

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's retail loans reached CZK 190,318 mil in the third quarter of 2024, up 1.87% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Raif...

Raiffeisen CR's net interest margin rose 2.33% yoy to 1.86% in 1Q2025

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's net interest margin amounted to 1.86% in the first quarter of 2025, up from 1.86% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 5.01% in 3Q2008 and an all time ...

Raiffeisen CR's total revenues rose 2.38% yoy to CZK 4,353 mil in 3Q2024

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic generated total banking revenues of CZK 4,353 mil in 2024-09-30, up 6.42% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when compar...

Raiffeisen CR's employees rose 2.18% yoy to 3,305 in 1Q2025

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic employed 3,305 persons in 2025-03-31, up 2.18% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,384 persons in 2022-09-30 and an all time low of 2,302 in 2007-12-31. Average cost reached...

Raiffeisen CR's consumer loans rose 8.16% yoy to CZK 53,000 mil in 2Q2024

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's consumer loans reached CZK 53,000 mil in 2024-06-30, up 3.92% compared to the previous year. Czech banking sector provided consumer loans of CZK 520 bil in 2024-06-30, up 2.36% when compared to the last year. Raiffeisenbank...

Raiffeisen CR's capital adequacy ratio rose 0.761% yoy to 23.7% in 1Q2025

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's capital adequacy ratio reached 23.7% at the end of first quarter of 2025, up from 22.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.3% in 2Q2021 and an all time low of 13.3...

Raiffeisenbank Czech Republic - Market Share in Retail Deposits

By Helgi Library - May 19, 2025

Raiffeisenbank Czech Republic's retail deposits reached CZK 355,127 mil in 2024-09-30, up 2.64% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. Raiffeise...

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Raiffeisenbank Czech Republic is the medium-sized bank with a 5-8% market share in the key retail product . From a greenfield start-up back in 1993, the bank acquired a purely Internet bank, e-banka, in 2006. Originally a corporate-oriented bank, Raiffeisen has been focusing increasingly on the retail area. In 2019, the Bank operated a network of more than 130 branches and employed more than 3,000 people in the Czech Republic.

Finance

Raiffeisenbank Czech Republic has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.

Equity represented of total assets or of loans at the end of 2024. Raiffeisenbank Czech Republic's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.