Raiffeisen stambena štedionica d.d.

Raiffeisen stambena štedionica d.d. is a housing savings bank providing mortgage loans and savings products to individuals.

Bank Category

Housing savings banks

Financials

Total Assets (2017)
1 196.11 mln HRK  (-3.41%)
Annual Profit (2017)
16.99 mln HRK  (+35.28%)

Raiffeisen stambena štedionica d.d. is the 24th largest bank in Croatia in terms of total assets. In 2017 its total assets were 1 196,11 mln HRK, providing the bank with the market share of 0.30%. Raiffeisen stambena štedionica d.d. is the 4th largest housing savings bank in Croatia (out of 5 housing savings banks) having market share of 15.11% amongst the banks of this category. In 2017 the bank's annual profit was 16,99 mln HRK.

Raiffeisen stambena štedionica d.d. participates in deposit guarantee scheme of Croatia. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Raiffeisen stambena štedionica d.d. is a member of Raiffeisen Banking Group (Austria).

Contacts

Radnička cesta 43, 10000, Zagreb, Croatia
+385 1 6006-100
+385 1 6006-199

Raiffeisen stambena štedionica d.d. is headquartered in Zagreb.

Bank Identifiers

MFI ID
HR99833333809

Financial Positions

Total Assets (2017)
1 196.11 mln HRK  (-3.41%)
Total Equity (2017)
107.22 mln HRK  (+8.76%)

In 2017 total assets of Raiffeisen stambena štedionica d.d. were 1 196.11 mln HRK. Decline compared to the previous period (2016) was -3.41%. The evolution of the total assets of Raiffeisen stambena štedionica d.d. is shown at Chart 1 below.

Total Assets of Raiffeisen stambena štedionica d.d..

Chart 1. Total Assets of Raiffeisen stambena štedionica d.d..

Recent changes in total assets of Raiffeisen stambena štedionica d.d. and its main components are shown in Table 1.

2016 2017 % change
Cash and deposits with Central Banks 0.0 0.0 0.00%
Loans 773.0 749.0 -3.10%
Securities 180.3 206.0 +14.26%
Total Assets 1 238.3 1 196.1 -3.41%
Table 1. Recent changes in total assets of Raiffeisen stambena štedionica d.d. (mln HRK).

Recent changes in total liabilities of Raiffeisen stambena štedionica d.d. and its main components are shown in Table 2.

2016 2017 % change
Deposits 1 058.7 1 028.2 -2.88%
Total Liabilities 1 238.3 1 196.1 -3.41%
Table 2. Recent changes in total liabilities of Raiffeisen stambena štedionica d.d. (mln HRK).

Profit and Loss

Annual Profit (2017)
16.99 mln HRK  (+35.28%)

Recent changes in gross profit of Raiffeisen stambena štedionica d.d. and its main components are shown in Table 3.

2016 2017 % change
Interest Income 58.9 52.4 -10.92%
Interest Charges -33.8 -28.4 -15.96%
Net Interest Income 25.1 24.0 -4.12%
Commission Income 5.1 4.2 -16.52%
Commission Charges -1.9 -1.6 -18.82%
Net Commission Income 3.1 2.7 -15.05%
Table 3. Recent changes in gross profit of Raiffeisen stambena štedionica d.d. (mln HRK).

In 2017 annual profit of Raiffeisen stambena štedionica d.d. was 16.99 mln HRK. Growth compared to the previous period (2016) was 35.28%. The evolution of the annual profit of Raiffeisen stambena štedionica d.d. is shown at Chart 2 below.

Annual Profit of Raiffeisen stambena štedionica d.d..

Chart 2. Annual Profit of Raiffeisen stambena štedionica d.d..

Market Share and Rank (among banks in Croatia)

Total Assets (2017)
24th (market share 0.30%)

In 2017 Raiffeisen stambena štedionica d.d. was ranked the 24th largest bank in Croatia in terms of total assets, having 0.30% of the domestic market share.

Market share of Raiffeisen stambena štedionica d.d. (among banks in Croatia)

Chart 3. Market share of Raiffeisen stambena štedionica d.d. (among banks in Croatia)

Several banks having the market shares and ranks closest to Raiffeisen stambena štedionica d.d. are shown below.

RankNameTotal AssetsMarket Share
23 J&T banka d.d.1276.20 mln HRK0.32%
24 Raiffeisen stambena štedionica d.d.1196.11 mln HRK0.30%
25 Banka Kovanica d.d.1145.09 mln HRK0.29%
 

Market Share and Rank (among Housing savings banks in Croatia)

Total Assets (2017)
4th (market share 15.11%)

In 2017 Raiffeisen stambena štedionica d.d. was ranked the 4th largest housing savings bank in Croatia in terms of total assets, having 15.11% of the category's market share.

Market share of Raiffeisen stambena štedionica d.d. (among Housing savings banks in Croatia)

Chart 4. Market share of Raiffeisen stambena štedionica d.d. (among Housing savings banks in Croatia)

Several housing savings banks having the market shares and ranks closest to Raiffeisen stambena štedionica d.d. are shown below.

RankNameTotal AssetsMarket Share
3 PBZ stambena štedionica d.d.1819.62 mln HRK22.99%
4 Raiffeisen stambena štedionica d.d.1196.11 mln HRK15.11%
5 HPB - Stambena štedionica d.d.353.34 mln HRK4.46%
 

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Croatia are obliged to participate in Croatian deposit guarantee scheme.

In the case of Raiffeisen stambena štedionica d.d. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, small entrepreneurs and non-profit organisations
Covered Accounts  all deposits
Maximum Protected Amount  100 000 EUR
Paid In Currency  HRK

Further Information

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of Raiffeisen stambena štedionica d.d. is shown in the table below.

MFI ID  HR99833333809