By Helgi Library - August 21, 2019
Cofidis Czech Republic's net interest margin amounted to 12.7% in 2018, down from 12.7% compared to the previous year. His...
By Helgi Library - August 21, 2019
Cofidis Czech Republic's net interest margin amounted to 12.7% in 2018, down from 12.7% compared to the previous year. His...
By Helgi Library - December 12, 2019
Cofidis Czech Republic's customer loans reached CZK 1,418 mil in 2018, down 4.99% compared to the previous year. Czech banking ...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | CZK mil | 213 | 219 | 204 |
| Net Fee Income | CZK mil | -23.1 | -36.4 | -9.94 |
| Other Income | CZK mil | 5.85 | 2.12 | 0.677 |
| Total Revenues | CZK mil | 196 | 185 | 195 |
| Staff Cost | CZK mil | 86.9 | 93.8 | 104 |
| Operating Profit | CZK mil | -71.7 | -77.1 | -98.5 |
| Provisions | CZK mil | 9.84 | 13.4 | -6.01 |
| Net Profit | CZK mil | -81.5 | -90.6 | -92.5 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | CZK mil | 104 | 121 | 66.9 |
| Customer Loans | CZK mil | 1,502 | 1,493 | 1,418 |
| Total Assets | CZK mil | 1,743 | 1,693 | 1,533 |
| Shareholders' Equity | CZK mil | 160 | 169 | 77.0 |
| Interbank Borrowing | CZK mil | 1,471 | 1,521 | 1,453 |
| Customer Deposits | CZK mil | 0 | 0 | 0 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | -50.5 | -55.2 | -75.3 |
| ROA | % | -5.18 | -5.27 | -5.74 |
| Costs (As % Of Assets) | % | 17.0 | 15.2 | 18.2 |
| Costs (As % Of Income) | % | 137 | 142 | 151 |
| Net Interest Margin | % | 13.5 | 12.7 | 12.7 |
| NPLs (As % Of Loans) | % | ... | ... | 27.2 |
| Provisions (As % Of NPLs) | % | ... | ... | 102 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 4.65 | -5.55 | 5.46 |
| Operating Cost Growth | % | 2.34 | -2.03 | 12.0 |
| Operating Profit Growth | % | -3.48 | 7.58 | 27.7 |
| Net Profit Growth | % | 3.93 | 11.1 | 2.16 |
| Customer Loan Growth | % | 19.8 | -0.625 | -4.99 |
| Total Asset Growth | % | 23.7 | -2.83 | -9.47 |
| Shareholders' Equity Growth | % | -2.34 | 5.57 | -54.3 |
| Employees | 122 | 159 | 139 | |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 287 | 204 | 183 | 177 | 213 | |||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 364 | 266 | 229 | 187 | 196 | |||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 169 | 78.8 | -21.9 | -74.3 | -71.7 | |||
| Net Profit | CZK mil | -16.1 | -1.37 | -50.5 | -78.5 | -81.5 | ||||||||||
| balance sheet | ||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | 99.1 | 20.9 | 36.5 | 96.2 | 104 | |||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | 1,150 | 963 | 1,034 | 1,254 | 1,502 | |||||
| Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | 1,298 | 1,058 | 1,146 | 1,409 | 1,743 | |||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 135 | 134 | 83.6 | 163 | 160 | |||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | 1,100 | 860 | 992 | 1,172 | 1,471 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| ratios | ||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | -11.2 | -1.01 | -46.4 | -63.5 | -50.5 | |||
| ROA | % | ... | ... | ... | ... | ... | -1.10 | -0.116 | -4.59 | -6.14 | -5.18 | |||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 13.3 | 15.9 | 22.8 | 20.4 | 17.0 | |||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 53.6 | 70.4 | 110 | 140 | 137 | |||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | 19.5 | 17.3 | 16.6 | 13.8 | 13.5 | |||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 79.0 | 76.7 | 80.0 | 94.5 | 109 | |||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 20.1 | 20.3 | 18.4 | 2.92 | -11.8 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 32.4 | 35.5 | 30.6 | 31.0 | 32.5 | |||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 10.4 | 12.7 | 7.29 | 11.6 | 9.16 | |||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | 88.6 | 91.0 | 90.2 | 89.0 | 86.2 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| valuation | ||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -23.6 | -28.9 | -10.2 | -3.63 | 20.5 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 311 | 214 | 187 | 179 | 214 | |||
| Interest Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 23.8 | 9.48 | 3.60 | 2.66 | 0.661 | |||
| Net Interest Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 287 | 204 | 183 | 177 | 213 | |||
| Net Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 73.0 | 53.9 | 42.1 | 5.47 | -23.1 | |||
| Other Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | 3.26 | 7.97 | 3.78 | 4.76 | 5.85 | |||
| Total Revenues | CZK mil | ... | ... | ... | ... | ... | ... | ... | 364 | 266 | 229 | 187 | 196 | |||
| Staff Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 63.2 | 66.5 | 76.9 | 81.1 | 86.9 | |||
| Depreciation | CZK mil | ... | ... | ... | ... | ... | ... | ... | 2.70 | 3.62 | 7.24 | 7.26 | 7.77 | |||
| Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 129 | 117 | 167 | 173 | 173 | |||
| Operating Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | 195 | 187 | 251 | 261 | 267 | |||
| Operating Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 169 | 78.8 | -21.9 | -74.3 | -71.7 | |||
| Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 156 | 68.4 | 33.5 | 4.17 | 9.84 | |||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | ... | ... | ... | -0.148 | < -0.001 | 0 | 0 | 0 | |||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | ... | ... | ... | 12.4 | 10.5 | -55.4 | -78.5 | -81.5 | |||
| Tax | CZK mil | ... | ... | ... | ... | ... | ... | ... | 28.5 | 11.8 | -4.81 | 0 | 0 | |||
| Minorities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||
| Net Profit | CZK mil | -16.1 | -1.37 | -50.5 | -78.5 | -81.5 | ||||||||||
| growth rates | ||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -23.6 | -28.9 | -10.2 | -3.63 | 20.5 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -30.2 | -26.1 | -21.9 | -87.0 | -523 | ||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -25.5 | -26.8 | -13.8 | -18.5 | 4.65 | ||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -14.0 | -3.91 | 34.1 | 4.00 | 2.34 | ||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -35.5 | -53.3 | -128 | 239 | -3.48 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -424 | -15.6 | -629 | 41.7 | 3.93 | ||
| Net Profit Growth | % | ... | -61.5 | -91.5 | 3,598 | 55.2 | 3.93 | |||||||||
| market share | ||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | ... | ... | ... | 0.218 | 0.158 | 0.137 | 0.107 | 0.109 | ... | ||
| Market Share in Net Profit | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Market Share in Employees | % | ... | ... | ... | ... | 0.242 | 0.244 | 0.268 | 0.272 | 0.297 | ... |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||||||
| Cash | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 0.157 | 0.200 | 0.113 | 0.239 | 0.209 | ||
| Interbank Loans | CZK mil | ... | ... | ... | ... | ... | 99.1 | 20.9 | 36.5 | 96.2 | 104 | |||||
| Customer Loans | CZK mil | ... | ... | ... | ... | ... | 1,150 | 963 | 1,034 | 1,254 | 1,502 | |||||
| Debt Securities | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Fixed Assets | CZK mil | ... | ... | ... | ... | ... | 11.0 | 18.4 | 14.9 | 17.6 | 12.9 | |||||
| Total Assets | CZK mil | ... | ... | ... | ... | ... | 1,298 | 1,058 | 1,146 | 1,409 | 1,743 | |||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | ... | ... | ... | 135 | 134 | 83.6 | 163 | 160 | |||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,163 | 924 | 1,063 | 1,245 | 1,583 | |||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | ... | 1,100 | 860 | 992 | 1,172 | 1,471 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | ... | ... | ... | 63.0 | 64.2 | 70.6 | 73.7 | 112 | |||
| asset quality | ||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,690 | 1,541 | 1,640 | 1,865 | 2,112 | |||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 540 | 578 | 607 | 611 | 610 | |||
| growth rates | ||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | ... | -23.8 | -16.3 | 7.33 | 21.3 | 19.8 | ||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | ... | -20.9 | -18.5 | 8.32 | 22.9 | 23.7 | ||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -10.6 | -1.01 | -37.7 | 95.7 | -2.34 | ||
| market share | ||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | 0.049 | 0.038 | 0.039 | 0.045 | 0.051 | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | 0.028 | 0.020 | 0.021 | 0.025 | 0.029 | |||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||||
| ROE | % | ... | ... | ... | ... | ... | ... | ... | -11.2 | -1.01 | -46.4 | -63.5 | -50.5 | |||
| ROA | % | ... | ... | ... | ... | ... | -1.10 | -0.116 | -4.59 | -6.14 | -5.18 | |||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 13.3 | 15.9 | 22.8 | 20.4 | 17.0 | |||
| Costs (As % Of Income) | % | ... | ... | ... | ... | ... | ... | ... | 53.6 | 70.4 | 110 | 140 | 137 | |||
| Net Interest Margin | % | ... | ... | ... | ... | ... | ... | ... | 19.5 | 17.3 | 16.6 | 13.8 | 13.5 | |||
| Interest Spread | % | ... | ... | ... | ... | ... | ... | ... | ... | 19.4 | 17.2 | 16.6 | 13.8 | 13.5 | ||
| Asset Yield | % | ... | ... | ... | ... | ... | ... | ... | 21.2 | 18.1 | 17.0 | 14.0 | 13.6 | |||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | ... | ... | ... | 1.79 | 0.908 | 0.363 | 0.230 | 0.047 | ||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 79.0 | 76.7 | 80.0 | 94.5 | 109 | |||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 20.1 | 20.3 | 18.4 | 2.92 | -11.8 | |||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | 0.896 | 2.99 | 1.65 | 2.55 | 2.99 | |||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | ... | ... | 2,775 | 2,922 | 2,775 | 2,528 | 2,351 | |||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | ... | ... | 54,270 | 57,166 | 59,299 | 60,334 | 59,327 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | ... | ... | ... | 32.4 | 35.5 | 30.6 | 31.0 | 32.5 | |||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | ... | ... | ... | 10.4 | 12.7 | 7.29 | 11.6 | 9.16 | |||
| Loans (As % Assets) | % | ... | ... | ... | ... | ... | 88.6 | 91.0 | 90.2 | 89.0 | 86.2 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 46.9 | 60.0 | 58.7 | 48.7 | 40.6 | |||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 11.8 | 6.47 | 3.35 | 0.365 | 0.714 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||||
| Employees | ... | ... | ... | ... | ... | ... | 97.0 | 97.0 | 108 | 112 | 122 |
Get all company financials in excel:
By Helgi Library - December 12, 2019
Cofidis Czech Republic's customer loans reached CZK 1,418 mil in 2018, down 4.99% compared to the previous year. Czech banking sector provided customer loans of CZK 3,306 bil in 2018, up 7.16% when compared to the last year. Cofidis Czech Republic account...
By Helgi Library - December 12, 2019
Cofidis Czech Republic's customer deposits reached CZK 0 mil in 2018, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,446 bil in 2018, up 6.63% when compared to the last year. Cofidis Czech Republic accounte...
By Helgi Library - December 12, 2019
Cofidis Czech Republic's customer deposits reached CZK 0 mil in 2018, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,446 bil in 2018, up 6.63% when compared to the last year. Cofidis Czech Republic accounte...
By Helgi Library - August 21, 2019
Cofidis Czech Republic generated total banking revenues of CZK 195 mil in 2018, up 5.46% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 488 mil in 2011 a...
By Helgi Library - August 21, 2019
Cofidis Czech Republic generated total banking revenues of CZK 195 mil in 2018, up 5.46% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 488 mil in 2011 a...
By Helgi Library - December 12, 2019
Cofidis Czech Republic generated total banking revenues of CZK 185 mil in 2017, down 5.55% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 179,177 mil in 2017, down 0.560% when compared to the last ye...
By Helgi Library - December 12, 2019
Cofidis Czech Republic generated total banking revenues of CZK 185 mil in 2017, down 5.55% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 179,177 mil in 2017, down 0.560% when compared to the last ye...
Cofidis Czech Republic has been growing its revenues and asset by 1.39% and 2.85% a year on average in the last 3 years. Its loans and deposits have grown by 4.19% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of -60.3% in the last three years with net profit growing 5.65% a year on average. In terms of operating efficiency, its cost to income ratio reached 151% in 2018, compared to 143% average in the last three years.
Equity represented 5.03% of total assets or 5.43% of loans at the end of 2018. Cofidis Czech Republic's non-performing loans were 27.2% of total loans while provisions covered some 102% of NPLs at the end of 2018.
Helgi Library 
