Created by Anna Mileiko 
Raiffeisen stambena štedionica d.d. was a housing savings bank providing mortgage loans and savings products to individuals. In May 2022, Raiffeisen stambena štedionica d.d. was merged into Raiffeisenbank Austria d.d..
In 2021, Raiffeisen stambena štedionica d.d. achieved the position of 21st largest bank in Croatia with a market share of 0.22%; its total assets dropped by 8.11%.
Additionally, the bank became the 7th profitable bank in relation to its total assets showcasing 1.09% return on assets and 12.05% return on equity in 2021.
Also the lender held the 17th position regarging its loans-to-deposits (L/D) registering 63.96% L/D ratio in 2021.
Deposits up to 100,000 EUR are covered by Croatian deposit guarantee scheme in Raiffeisen stambena štedionica d.d.
Raiffeisen stambena štedionica d.d. ranked as the 21st largest bank in Croatia by total assets. In 2021 its total assets were 1,119.09 mln HRK, representing a 0.22% market share. It was also the 3rd largest housing savings bank in Croatia, commanding a 22.59% share among housing savings banks. In 2021 the bank's annual profit was 12.79 mln HRK.
State Agency for Deposit Insurance and Bank Resolution (DAB)Raiffeisen stambena štedionica d.d. protects deposits up to up to 100,000 EUR per depositor through Croatia's deposit guarantee scheme. The scheme applies to all accounts made by natural persons, legal entities. The bank participates in the State Agency for Deposit Insurance and Bank Resolution (DAB), making regular contributions into it.
Raiffeisen Banking Group (Austria)Raiffeisen stambena štedionica d.d. is a member of Raiffeisen Banking Group (Austria).
Radnička cesta 43, 10000, Zagreb, Croatia
+385 1 6006-100
+385 1 6006-199
https://www.raiffeisenstambena.hr/Raiffeisen stambena štedionica d.d. was headquartered in Zagreb.
Raiffeisen stambena štedionica d.d. has profiles at the following social networks:
Raiffeisen stambena štedionica d.d. was authorized and supervised by the Hrvatska Narodna Banka.
In 2021 total assets of Raiffeisen stambena štedionica d.d. were 1,119.09 mln HRK. Decline compared to the previous period (2020) was -8.11%. The evolution of the total assets of Raiffeisen stambena štedionica d.d. is shown at Chart 1 below.
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.
| 2020 | 2021 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 156.2 | 254.3 | +62.86% |
| Loans | 774.9 | 631.1 | -18.55% |
| Securities | 221.9 | 174.7 | -21.24% |
| Total Assets | 1,217.9 | 1,119.1 | -8.11% |
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.
| 2020 | 2021 | change (%) | |
|---|---|---|---|
| Deposits | 1,085.2 | 986.7 | -9.07% |
| Total Liabilities | 1,217.9 | 1,119.1 | -8.11% |
Table 2. Recent changes in total liabilities of Raiffeisen stambena štedionica d.d. (mln HRK).
Recent changes in gross profit of Raiffeisen stambena štedionica d.d. and its main components are shown in Table 3.
| 2020 | 2021 | change (%) | |
|---|---|---|---|
| Interest Income | 37.6 | 33.2 | -11.78% |
| Interest Charges | -21.3 | -14.6 | -31.23% |
| Net Interest Income | 16.4 | 18.6 | +13.49% |
| Commission Income | 3.1 | 2.7 | -14.21% |
| Commission Charges | -1.1 | -0.7 | -40.28% |
| Net Commission Income | 2.0 | 2.0 | -0.08% |
Table 3. Recent changes in gross profit of Raiffeisen stambena štedionica d.d. (mln HRK).
In 2021 annual profit of Raiffeisen stambena štedionica d.d. was 12.79 mln HRK. Decline compared to the previous period (2020) was -874.94%. The evolution of the annual profit of Raiffeisen stambena štedionica d.d. is shown at Chart 2 below.
Chart 2. Annual Profit of Raiffeisen stambena štedionica d.d..
In 2021 Raiffeisen stambena štedionica d.d. was ranked the 21st largest bank in Croatiain terms of total assets, having 0.22% of the domestic market share. Raiffeisen stambena štedionica d.d. also became # 21 in terms of loans (market share - 0.21%), # 21 in terms of deposits (market share - 0.24%).
Chart 3. Market share of Raiffeisen stambena štedionica d.d. (among banks in Croatia)
Historical changes in Raiffeisen stambena štedionica d.d.'s domestic rank and market share over 2017-2021 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2021 | 21 | 0.22 % |
| 2020 | 21 | 0.26 % |
| 2019 | 21 | 0.29 % |
| 2018 | 22 | 0.30 % |
| 2017 | 24 | 0.30 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to Raiffeisen stambena štedionica d.d. listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 20 |  | 0.22% | 173.64 mln EUR (+9.56%) |
| 21 | | 0.22% | 1,119.09 mln HRK (-8.11%) |
| 22 |  | 0.10% | 74.93 mln EUR (-15.02%) |
In 2021 Raiffeisen stambena štedionica d.d. was ranked the 3rd largest housing savings bank in Croatiain terms of total assets, having 22.59% of the category's market share.
Chart 4. Market share of Raiffeisen stambena štedionica d.d. (among Housing savings banks in Croatia)
TheBanks.eu identified several banks housing savings banks having the market shares and ranks closest to Raiffeisen stambena štedionica d.d. listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 1 |  | 100.00% | 297.64 mln EUR (+6.28%) |
| 2 |  | 35.83% | 1,775.17 mln HRK (-9.29%) |
| 3 | | 22.59% | 1,119.09 mln HRK (-8.11%) |
Discover key identifiers of Raiffeisen stambena štedionica d.d. including its LEI, MFI ID.
LEI: 529900E0EHSXWGR77L14
Raiffeisen stambena štedionica d.d.’s LEI is 529900E0EHSXWGR77L14. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 529900E0EHSXWGR77L14 |
| LOU Identifier | 5299 |
| Reserved | 00 |
| Entity Identifier | E0EHSXWGR77L |
| Verification ID | 14 |
MFI ID: HR99833333809
Raiffeisen stambena štedionica d.d.’s MFI ID, HR99833333809, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Croatia (HR), followed by the institutions's internal ID.
| Key | Value |
|---|---|
| MFI ID | HR99833333809 |
| Country Code | HR |
| MFI Code | 99833333809 |
TheBanks.eu identified several banks similar to Raiffeisen stambena štedionica d.d. based on various criteria, including:
