Raiffeisen Zentralbank (RZB) Is the third largest bank in Austria and one of the country's leading commercial and investment banks. In addition to Austria, the bank has a strong presence in Central and Eastern Europe, serving about 15 million customers through more than 3,150 branches. RZB is the flagship of the Raiffeisen Banking Group (RBG). RBG's total assets as at 31 December 2009 were 260.3 billion euros.
Structure of Raiffeisen Banking Group in Austria
The Raiffeisen 3-Tier Cooperative Banking Group consists of RZB, the central organization for 8 autonomous regional banks (called Raiffeisenlandesbanks), which are shareholders of RZB, and 535 local banks (called Raiffeisenbanks), which own 8 regional banks. The first Raiffeisenbank was established in 1886, and after just 10 years there were more than 600 of them. Starting in 1894, local Raiffeisen banks began to form regional Raiffeisen banks (Raiffeisenlandesbanks) and in 1927 the Raiffeisen Zentralbank (RZB) was established.
Raiffeisen Zentralbank address:
Am Stadtpark 9, A-1030 Vienna
Tel: + 43-1-71707-0
Website: http://www.rzb.at
Raiffeisenbank in Russia
ZAO Raiffeisenbank is a 100% subsidiary bank of the Austrian banking group Raiffeisen. The bank has been operating in Russia since 1996 and provides a full range of services to private and corporate clients, including consumer and mortgage loans, car loans, credit cards, bank deposits, deposits, lending to small and medium-sized businesses, settlement and cash services, salary transfer services, treasury services. Today Raiffeisen is represented in 75 cities, from Kaliningrad to Kamchatka, and has the largest foreign bank service network in Russia, which includes more than 250 branches and over 1000 ATMs.
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By the reliability of a bank we mean a combination of factors under which the bank is able to fulfill its obligations, have an adequate margin of safety in crisis situations, and not violate the standards and laws established by the Bank of Russia.
It should be borne in mind that only on the basis of reporting it is impossible to accurately determine the degree of the bank's reliability, therefore, the study below is indicative in nature.
Bank stability is the ability to withstand any external influences. The dynamics for a certain period may show stability (either improvement or deterioration) of various indicators, which may also indicate the bank's stability.
Joint Stock Company "Raiffeisenbank" is the largest a Russian bank and among them ranks 12th in terms of net assets.
As of the reporting date (October 1, 2019), the net assets of RAIFFEISENBANK amounted to 1201.39 billion rubles In a year assets increased by 14.12%... Net asset growth positively influenced the return on assets (ROI): over the year, the net return on assets increased from 2.89% to 4.39% .
For the services provided, the bank is mainly attracts client money, and these funds are sufficient diversified(between legal and individuals), a invests funds mainly in credits.
RAIFFEISENBANK - subsidiary foreign bank.
RAIFFEISENBANK - has the right to work with the Pension Fund of the Russian Federation
and can attract his funds in trust management, in deposits and savings for housing for military personnel; has the right to work with non-state pension funds that carry out compulsory pension insurance
, and can attract pension savings and savings for housing for military personnel; has the right to open accounts and deposits in accordance with Law 213-FZ of July 21, 2014 No.
, i.e. organizations of strategic importance for the military-industrial complex and security of the Russian Federation; to a credit institution authorized representatives of the Bank of Russia have been appointed.
Liquidity and reliability
The bank's liquid assets are those bank funds that can be quickly converted into cash to return them to depositors. To assess liquidity, consider a period of about 30 days, during which the bank will be able (or unable) to fulfill part of its financial obligations (since no bank can return all obligations within 30 days). This "portion" is called the "estimated cash outflow". Liquidity can be considered an important component of the concept of bank reliability.
Briefly structure highly liquid assets represent in the form of a table:
| Indicator name | 01 October 2018, thousand rubles | 01 October 2019, thousand rubles | ||
|---|---|---|---|---|
| cash on hand | 24 147 533 | (9.42%) | 25 226 992 | (12.92%) |
| funds on accounts with the Bank of Russia | 1 215 990 | (0.47%) | 46 411 385 | (23.76%) |
| correspondent accounts NOSTRO in banks (net) | 3 357 198 | (1.31%) | 1 921 716 | (0.98%) |
| interbank loans placed for up to 30 days | 103 035 226 | (40.20%) | 112 816 376 | (57.76%) |
| highly liquid securities of the Russian Federation | 121 768 913 | (47.51%) | 8 457 756 | (4.33%) |
| highly liquid securities of banks and states | 3 287 907 | (1.28%) | 469 282 | (0.24%) |
| highly liquid assets with discounts and adjustments (based on Ordinance No. 3269-U dated 05/31/2014) | 256 319 581 | (100.00%) | 195 305 770 | (100.00%) |
From the table of liquid assets, we see that the amounts of funds on hand, interbank loans placed for up to 30 days have slightly changed, the amounts of funds in accounts with the Bank of Russia have increased significantly, the amounts of NOSTRO correspondent accounts in banks (pure), highly liquid securities of the Russian Federation have greatly decreased , highly liquid securities of banks and states, while the volume of highly liquid assets, taking into account discounts and adjustments (based on Ordinance No. 3269-U dated May 31, 2014), decreased over the year from 256.32 to 195.31 billion rubles
Structure current liabilities is given in the following table:
| Indicator name | 01 October 2018, thousand rubles | 01 October 2019, thousand rubles | ||
|---|---|---|---|---|
| deposits of individuals with a maturity of more than a year | 31 838 082 | (3.94%) | 28 135 907 | (3.04%) |
| other deposits of individuals (including individual entrepreneurs) (for up to 1 year) | 428 278 346 | (52.97%) | 438 086 150 | (47.26%) |
| deposits and other funds of legal entities (for up to 1 year) | 316 241 022 | (39.11%) | 385 422 533 | (41.58%) |
| incl. current funds of legal entities (without individual entrepreneurs) | 224 492 897 | (27.76%) | 242 594 115 | (26.17%) |
| correspondent accounts of LORO banks | 3 683 624 | (0.46%) | 7 314 546 | (0.79%) |
| interbank loans received for up to 30 days | 12 003 572 | (1.48%) | 49 547 089 | (5.35%) |
| own securities | (0.00%) | (0.00%) | ||
| liabilities to pay interest, delays, payables and other debts | 16 529 390 | (2.04%) | 18 377 689 | (1.98%) |
| expected cash outflow | 203 132 734 | (25.12%) | 274 623 748 | (29.63%) |
| current liabilities | 808 574 036 | (100.00%) | 926 883 914 | (100.00%) |
During the period under review, what happened to the resource base was that the amounts of deposits of individuals with a maturity of more than a year changed insignificantly, the remaining deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year), incl. current funds of legal entities (without individual entrepreneurs), own securities, liabilities to pay interest, delays, payables and other debts, the amount of deposits and other funds of legal entities (for a period of up to 1 year) increased, the amount of correspondent accounts of LORO banks, interbank loans received for up to 30 days, while the expected cash outflow increased over the year from 203.13 to 274.62 billion rubles.
At the moment in question, the ratio of highly liquid assets (funds that are readily available to the bank within the next month) and the estimated outflow of current liabilities gives us the value 71.12% which means insufficient supply strength to overcome the possible churn of customers, however, the bank is large and so significant outflow is unlikely.
In correlation with this, it is important to consider the standards of instant (H2) and current (N3) liquidity, the minimum values of which are set at 15% and 50%, respectively. Here we see that the standards for H2 and H3 are now at sufficient level.
Now let's track the dynamics of change liquidity indicators during a year:
According to the median method (rejection of sharp peaks): the sum of the instantaneous liquidity ratio H2 during of the year tends to fall slightly, but over the last half a year tends to significant drop , the sum of the current liquidity ratio N3 during year and last half of the year tends to increase, and the expert reliability of the bank during year and last half of the year tends to decrease.
Other ratios for assessing the liquidity of the bank of JSC "RAIFFEISENBANK" can be seen at this link.
Balance structure and dynamics
The volume of income-generating assets of the bank is 89.50% in the total volume of assets, and the volume of interest-bearing liabilities is 81.60% in the total volume of liabilities. The volume of earning assets roughly corresponds to the average for the largest Russian banks (87%).
Structure earning assets now and a year ago:
| Indicator name | 01 October 2018, thousand rubles | 01 October 2019, thousand rubles | ||
|---|---|---|---|---|
| Interbank loans | 104 409 868 | (10.72%) | 114 673 345 | (10.66%) |
| Loans to legal entities | 402 670 955 | (41.36%) | 479 822 213 | (44.62%) |
| Loans to individuals | 269 144 466 | (27.64%) | 301 944 209 | (28.08%) |
| Promissory notes | (0.00%) | (0.00%) | ||
| Investments in leasing operations and acquired rights of claim | 9 099 942 | (0.93%) | 16 499 763 | (1.53%) |
| Investments in securities | 168 768 909 | (17.33%) | 146 998 446 | (13.67%) |
| Other income loans | (0.00%) | 1 531 480 | (0.14%) | |
| Profitable assets | 973 583 199 | (100.00%) | 1 075 239 653 | (100.00%) |
We see that the amounts have changed slightly Interbank loans, Loans to legal entities, Loans to individuals, Bills of exchange, Investments in securities, the amounts of Investments in leasing operations and acquired rights of claim have increased significantly, and the total amount of earning assets increased by 10.4% from 973.58 to 1075.24 billion rubles
Analytics for degree of security issued loans, as well as their structure:
| Indicator name | 01 October 2018, thousand rubles | 01 October 2019, thousand rubles | ||
|---|---|---|---|---|
| Securities accepted as collateral for loans issued | 247 203 208 | (32.30%) | 320 763 746 | (35.08%) |
| Property accepted as security | 231 377 640 | (30.23%) | 241 650 020 | (26.43%) |
| Precious metals accepted as collateral | (0.00%) | (0.00%) | ||
| Received guarantees and sureties | 1 135 108 191 | (148.32%) | 1 429 774 767 | (156.37%) |
| Loan portfolio amount | 765 325 231 | (100.00%) | 914 365 162 | (100.00%) |
| - incl. loans to legal entities | 395 755 647 | (51.71%) | 463 933 131 | (50.74%) |
| - incl. loans to individuals persons | 269 144 466 | (35.17%) | 301 944 209 | (33.02%) |
| - incl. loans to banks | 84 409 868 | (11.03%) | 114 673 345 | (12.54%) |
Analysis of the table suggests that the bank focuses on diversified lending, the form of which is guarantees and sureties... The overall level of loan security is quite high and possible loan defaults are likely to be offset by the amount of security.
Brief structure interest liabilities(i.e. for which the bank usually pays interest to the client):
| Indicator name | 01 October 2018, thousand rubles | 01 October 2019, thousand rubles | ||
|---|---|---|---|---|
| Bank funds (interbank and correspondent accounts) | 52 698 255 | (6.17%) | 98 618 521 | (10.06%) |
| Legal funds persons | 340 205 524 | (39.84%) | 411 435 403 | (41.97%) |
| - incl. current funds of legal entities persons | 242 895 978 | (28.45%) | 257 292 149 | (26.25%) |
| Physical contributions persons | 441 713 347 | (51.73%) | 451 524 023 | (46.06%) |
| Other interest-bearing liabilities | 19 230 089 | (2.25%) | 18 725 103 | (1.91%) |
| - incl. loans from the Bank of Russia | 1 249 332 | (0.15%) | 547 747 | (0.06%) |
| Interest liabilities | 853 847 215 | (100.00%) | 980 303 050 | (100.00%) |
We see that the amounts have changed insignificantly. persons, the amount increased. Funds of legal entities. persons, the amounts due to banks (interbank loans and correspondent accounts) have increased significantly, and the total amount of interest-bearing liabilities increased by 14.8% from 853.85 to 980.30 billion rubles
The structure of assets and liabilities of the bank of JSC "RAIFFEISENBANK" can be considered in more detail.
Profitability
The profitability of sources of equity (calculated from balance sheet data) increased over the year from 12.79% to 18.28%... At the same time, the return on equity ROE (calculated using forms 102 and 134) increased over the year from 20.55% to 32.68%(here and below data are given in percentage per annum for the nearest quarterly date).
Net interest margin increased over the year from 5.76% to 6.07%... The profitability of lending operations increased over the year from 10.37% to 10.68%... The cost of funds raised slightly changed over the year from 2.43% to 2.49%... The cost of borrowed funds from banks changed slightly over the year from 6.80% to 6.85%... The cost of funds of the population (individuals) increased over the year with
Raiffeisenbank provides services for businesses and individuals. The head office is located in Moscow.
- The name of the bank - JSC "Raiffeisenbank"
- Registration documents - license No. 3292
- Place of registration - Moscow
Raiffeisenbank has been operating in Russia since 1996, but the history of the financial group begins in mid XIX century. Then the first office of a credit organization was opened in Austria. This is a fairly well-known bank in Europe; it got its name from the surname of the founder.
Raiffeisenbank is also popular in Russia. In 2014, it was awarded the Best Foreign Bank 2013 award by EMEA Finance. The country is represented by a wide network of branches and representative offices. The westernmost point is Kaliningrad, the easternmost is Petropavlovsk-Kamchatsky.
Registered in Moscow. Chairman of the Board - Sergey Monin.
Bank orientation
Products & Services
Geography
The bank is located in many cities of the country, representative offices are open in regional centers. Concentration of offices in Central Russia, most of them are located in Moscow (87 units), in second place - with the immediate vicinity (17 units), the top three are closed by Novosibirsk and Berdsk (6 units).
- The most northern - Yakutsk
- The southernmost - Vladivostok
Free number for communication
Financial assets
Credit rating
- The long-term issuer default rating (IDR) in foreign and national Raiffeisenbank has been operating in Russia since 1996, but the history of the financial group begins in the middle of the 19th century. Then the first office of a credit organization was opened in Austria. This is a fairly well-known bank in Europe, it got its name from the surname of the founder. Raiffeisenbank is also popular in Russia. In 2014, it was awarded the Best Foreign Bank 2013 award by EMEA Finance. The country is represented by a wide network of branches and representative offices. The most western point is Kaliningrad, the most eastern is Petropavlovsk-Kamchatsky, registered in Moscow. Chairman of the Board - Sergey Monin.
Bank orientation
The bank is focused on individuals and legal entities. It provides various services for private clients and for business.
Products & Services
Raiffeisenbank provides a wide range of services. For individuals, he offers deposits, draws up loans, including mortgages, the list includes premium services, insurance, safe boxes.
For business, the list of services is no less. These are lending, settlement and cash services, acquiring, and currency control. There are also separate offers for developers and financial institutions. Geography
The bank is located in many cities of the country, representative offices are open in regional centers. Concentration of offices in Central Russia, most of them are located in Moscow (87 pcs.), In second place - St. Petersburg with the immediate vicinity (17 pcs.), Novosibirsk and Berdsk (6 pcs.) Round out the top three.
- Westernmost office - Kaliningrad
- Easternmost office - Petropavlovsk-Kamchatsky
- The most northern - Yakutsk
- The southernmost - Vladivostok
The head office is located in the capital.
Free number for communication: 8 800 700-91-00 (information center).Financial assets
The amount of net assets as of October 2015 is 890 757 447 thousand rubles Dynamics of the indicator over the last 5 years:
Credit rating
The credit institution is of interest to world rating agencies. It has been assigned the following ratings:
- Long-term foreign and local currency issuer default rating (IDR) - BBB-, outlook negative (Fitch Ratings);
- Viability Rating - bbb- (Fitch Ratings);
- Long-term rating of bank deposits in national currency on the national scale - Aа2.ru (Moody`s Interfax Rating Agency);
- Long-term rating of bank deposits in national currency - Ba2, outlook negative (Moody`s Investors Service).
Deposit insurance system
Raiffeisenbank is part of the deposit insurance system.
National rating of banks
The Bank participates in the "People's Rating" on the Banki.ru portal. It is compiled on the basis of feedback from site visitors. For each request, a check is carried out for a period of up to a month, based on the results of which a decision is made whether the grade will be credited or not. As of mid-November 2015, Raiffeisenbank has an average score of 2.21 out of 5 possible (31st place among all banks).
In a credit institution, you can get a mortgage at a preferential rate of 11.3% per annum. Such a rate is possible for a period of up to 5 years and an initial payment of 50%. Also, on the bank's website, you can select collateralized property (houses, apartments, land) and send an application for purchase.
Bank achievements
The most notable achievements of the bank:
- 2014, 2013 - nomination "The Best Foreign Bank, 2013" according to the EMEA Finance magazine;
- 2012 - "Best Foreign Bank" according to EMEA Finance magazine;
- 2010 - “For the best strategy of a foreign bank at Russian market"According to the magazine" Finance ".
Raiffeisenbank was registered in mid-1996 as a credit institution with 100% Austrian capital under the name Raiffeisenbank Austria. Received a general license from the Central Bank of the Russian Federation in 2001, in the same year it was transformed into a closed joint-stock company.
At the beginning of 2006, OJSC IMPEXBank (see Book of Memory), which was once a bridging company for the Russian Credit Bank of Boris Ivanishvili, became one of the banks of the Raiffeisen Group *. (Raiffeisen). The merger of Russian Raiffeisenbank and IMPEXBank was completed in November 2007. Since December 2007, the merged bank has been operating under the name Closed Joint Stock Company Raiffeisenbank.
Russian Raiffeisenbank has about 200 separate subdivisions, including 7 branches (in St. Petersburg, Moscow, Yekaterinburg, Novosibirsk, Nizhny Novgorod, Krasnodar and Khabarovsk), 98 additional, 86 operating, 6 credit and cash offices and 4 operating cash desks outside the cash center. The organization serves over 12 thousand corporate clients and more than 1'900 ATMs are available to plastic holders, serves over 12'000 corporate clients. The average number of personnel exceeds 9.3 thousand people.
The bank issues international payment systems MasterCard and Visa. These products are provided with a grace period for payments for goods and services. After the expiration of the grace period, interest is charged for the use of credit funds at the rates of the financial institution. Having issued any bank card, you can make purchases and receive cash all over the world. "Gold" cards give you the opportunity to use additional privileges, a higher credit limit, and allow you to emphasize the status of the holder.
The bank's lineup includes products intended for the purchase of apartments in the primary or secondary market, cottages, as well. Borrowed funds are issued against the security of the acquired or owned real estate. Interest rates on loans are differentiated depending on the size of the down payment and the time to enter the deal - the sooner the loan agreement is signed, the lower the rate.
On this page of the site there is a large selection of programs for purchase Vehicle... Special offers for the purchase of various car brands, developed jointly with official dealers, prevail. Annual rates for these products are often lower than for standard offers, and depend on the completeness of the set of documents provided, the size of the down payment and the term of the loan. To choose, you must first decide on the make of the car. You can issue both new and used foreign cars, as well as domestically produced cars.