By Helgi Library - September 30, 2023
Equa Bank generated total banking revenues of CZK 692 mil in 2021-12-31, up 28.9% compared to the previous year. Czech ban...
By Helgi Library - September 30, 2023
Equa Bank generated total banking revenues of CZK 692 mil in 2021-12-31, up 28.9% compared to the previous year. Czech ban...
By Helgi Library - September 30, 2023
Equa Bank's mortgage loans reached CZK 22,212 mil in 4Q2021, up 1.21% compared to the previous year. Czech banking sector provi...
| Profit Statement | 2019 | 2020 | 2021 | |
| Net Interest Income | CZK mil | 1,967 | 1,795 | 2,102 |
| Net Fee Income | CZK mil | -1.00 | -66.0 | -59.0 |
| Other Income | CZK mil | 42.0 | 160 | 214 |
| Total Revenues | CZK mil | 2,008 | 1,889 | 2,257 |
| Staff Cost | CZK mil | 645 | 568 | 626 |
| Operating Profit | CZK mil | 726 | 728 | 757 |
| Provisions | CZK mil | 241 | 485 | 73.0 |
| Net Profit | CZK mil | 376 | 197 | 553 |
| Balance Sheet | 2019 | 2020 | 2021 | |
| Interbank Loans | CZK mil | 803 | 1,176 | 1,242 |
| Customer Loans | CZK mil | 46,623 | 49,668 | 52,844 |
| Investments | CZK mil | 1,150 | 1,937 | 2,726 |
| Total Assets | CZK mil | 63,279 | 73,336 | 73,659 |
| Shareholders' Equity | CZK mil | 5,254 | 5,650 | 6,201 |
| Interbank Borrowing | CZK mil | 59.0 | 52.0 | 203 |
| Customer Deposits | CZK mil | 55,474 | 64,235 | 64,162 |
| Issued Debt Securities | CZK mil | 1,984 | 2,897 | 2,396 |
| Ratios | 2019 | 2020 | 2021 | |
| ROE | % | 7.44 | 3.61 | 9.33 |
| ROA | % | 0.633 | 0.288 | 0.752 |
| Costs (As % Of Assets) | % | 2.16 | 1.70 | 2.04 |
| Costs (As % Of Income) | % | 63.8 | 61.5 | 66.5 |
| Capital Adequacy Ratio | % | 16.5 | 17.6 | 17.2 |
| Net Interest Margin | % | 3.31 | 2.63 | 2.86 |
| Loans (As % Of Deposits) | % | 84.0 | 77.3 | 82.4 |
| NPLs (As % Of Loans) | % | 2.28 | 1.62 | 1.68 |
| Provisions (As % Of NPLs) | % | 59.5 | 95.0 | 76.1 |
| Growth Rates | 2019 | 2020 | 2021 | |
| Total Revenue Growth | % | 15.9 | -5.93 | 19.5 |
| Operating Cost Growth | % | 11.5 | -9.44 | 29.2 |
| Operating Profit Growth | % | 24.7 | 0.275 | 3.98 |
| Net Profit Growth | % | 6.21 | -47.6 | 181 |
| Customer Loan Growth | % | 15.9 | 6.53 | 6.39 |
| Total Asset Growth | % | 13.8 | 15.9 | 0.440 |
| Customer Deposit Growth | % | 13.8 | 15.8 | -0.114 |
| Shareholders' Equity Growth | % | 8.35 | 7.54 | 9.75 |
| Employees | 644 | 523 | 482 | |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| income statement | |||||||||||||||
| Net Interest Income | CZK mil | 852 | 1,164 | 1,399 | 1,690 | 1,967 | |||||||||
| Total Revenues | CZK mil | 875 | 1,160 | 1,428 | 1,732 | 2,008 | |||||||||
| Operating Profit | CZK mil | -139 | 148 | 358 | 582 | 726 | |||||||||
| Net Profit | CZK mil | -326 | -70.0 | 111 | 354 | 376 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | CZK mil | 3,071 | 7,055 | 8,986 | 11,707 | 803 | |||||||||
| Customer Loans | CZK mil | 27,434 | 32,007 | 36,858 | 40,234 | 46,623 | |||||||||
| Investments | CZK mil | 2,601 | 1,966 | 808 | 1,155 | 1,150 | |||||||||
| Total Assets | CZK mil | 36,933 | 43,936 | 49,989 | 55,585 | 63,279 | |||||||||
| Shareholders' Equity | CZK mil | 3,885 | 3,294 | 3,501 | 4,849 | 5,254 | |||||||||
| Interbank Borrowing | CZK mil | 255 | 284 | 242 | 91.0 | 59.0 | |||||||||
| Customer Deposits | CZK mil | 33,502 | 39,835 | 44,836 | 48,760 | 55,474 | |||||||||
| Issued Debt Securities | CZK mil | 0 | 241 | 1,175 | 1,679 | 1,984 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | -10.5 | -1.95 | 3.27 | 8.48 | 7.44 | ||||||||
| ROA | % | ... | -1.02 | -0.173 | 0.236 | 0.671 | 0.633 | ||||||||
| Costs (As % Of Assets) | % | ... | 3.15 | 2.50 | 2.28 | 2.18 | 2.16 | ||||||||
| Costs (As % Of Income) | % | 116 | 87.2 | 74.9 | 66.4 | 63.8 | |||||||||
| Capital Adequacy Ratio | % | 14.9 | 12.8 | 13.8 | 16.5 | 16.5 | |||||||||
| Net Interest Margin | % | ... | 2.65 | 2.88 | 2.98 | 3.20 | 3.31 | ||||||||
| Interest Income (As % Of Revenues) | % | 97.4 | 100 | 98.0 | 97.6 | 98.0 | |||||||||
| Fee Income (As % Of Revenues) | % | -1.26 | -1.55 | -0.210 | 1.27 | -0.050 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 48.1 | 51.5 | 50.9 | 50.6 | 50.3 | |||||||||
| Equity (As % Of Assets) | % | 10.5 | 7.50 | 7.00 | 8.72 | 8.30 | |||||||||
| Loans (As % Of Deposits) | % | 81.9 | 80.3 | 82.2 | 82.5 | 84.0 | |||||||||
| Loans (As % Assets) | % | 74.3 | 72.8 | 73.7 | 72.4 | 73.7 | |||||||||
| NPLs (As % Of Loans) | % | 3.01 | 1.15 | 1.47 | 1.57 | 2.28 | |||||||||
| Provisions (As % Of NPLs) | % | 32.4 | 106 | 70.2 | 90.5 | 59.5 | |||||||||
| valuation | |||||||||||||||
| Book Value Per Share Growth | % | ... | 54.9 | 36.6 | 20.2 | 20.8 | 16.4 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| income statement | |||||||||||||||
| Interest Income | CZK mil | 1,156 | 1,409 | 1,572 | 1,903 | 2,338 | |||||||||
| Interest Cost | CZK mil | 304 | 245 | 173 | 213 | 371 | |||||||||
| Net Interest Income | CZK mil | 852 | 1,164 | 1,399 | 1,690 | 1,967 | |||||||||
| Net Fee Income | CZK mil | -11.0 | -18.0 | -3.00 | 22.0 | -1.00 | |||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 157 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 158 | ||
| Other Income | CZK mil | 34.0 | 14.0 | 32.0 | 20.0 | 42.0 | |||||||||
| Total Revenues | CZK mil | 875 | 1,160 | 1,428 | 1,732 | 2,008 | |||||||||
| Staff Cost | CZK mil | 488 | 521 | 545 | 582 | 645 | |||||||||
| Depreciation | CZK mil | 131 | 131 | 150 | 166 | 224 | |||||||||
| Other Cost | CZK mil | 395 | 360 | 375 | 402 | 413 | |||||||||
| Operating Cost | CZK mil | 1,014 | 1,012 | 1,070 | 1,150 | 1,282 | |||||||||
| Operating Profit | CZK mil | -139 | 148 | 358 | 582 | 726 | |||||||||
| Provisions | CZK mil | 190 | 187 | 178 | 249 | 241 | |||||||||
| Extra and Other Cost | CZK mil | -0.001 | 0 | 0 | 0 | 0 | |||||||||
| Pre-Tax Profit | CZK mil | -329 | -39.0 | 180 | 333 | 485 | |||||||||
| Tax | CZK mil | 52.7 | 29.0 | 70.0 | -39.0 | 82.0 | |||||||||
| Minorities | CZK mil | -55.3 | -40.0 | -1.00 | 18.0 | 27.0 | |||||||||
| Net Profit | CZK mil | -326 | -70.0 | 111 | 354 | 376 | |||||||||
| Net Profit Avail. to Common | CZK mil | -326 | -70.0 | 111 | 354 | 376 | |||||||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | 54.9 | 36.6 | 20.2 | 20.8 | 16.4 | ||||||||
| Net Fee Income Growth | % | ... | -38.6 | 63.6 | -83.3 | -833 | -105 | ||||||||
| Total Revenue Growth | % | ... | 53.6 | 32.5 | 23.1 | 21.3 | 15.9 | ||||||||
| Operating Cost Growth | % | ... | 19.4 | -0.220 | 5.73 | 7.48 | 11.5 | ||||||||
| Operating Profit Growth | % | ... | -50.3 | -206 | 142 | 62.6 | 24.7 | ||||||||
| Pre-Tax Profit Growth | % | ... | -24.9 | -88.1 | -562 | 85.0 | 45.6 | ||||||||
| Net Profit Growth | % | ... | -8.47 | -78.6 | -259 | 219 | 6.21 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | 0.503 | 0.644 | 0.797 | 0.910 | 0.993 | |||||||||
| Market Share in Net Profit | % | -0.499 | -0.095 | 0.150 | 0.441 | 0.419 | |||||||||
| Market Share in Employees | % | 1.37 | 1.46 | 1.42 | 1.45 | 1.55 | |||||||||
| Market Share in Branches | % | ... | ... | 2.68 | 2.83 | 2.98 | 2.97 | 3.11 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| balance sheet | |||||||||||||||
| Cash & Cash Equivalents | CZK mil | 2,313 | 1,407 | 1,923 | 1,016 | 13,010 | |||||||||
| Interbank Loans | CZK mil | 3,071 | 7,055 | 8,986 | 11,707 | 803 | |||||||||
| Customer Loans | CZK mil | 27,434 | 32,007 | 36,858 | 40,234 | 46,623 | |||||||||
| Retail Loans | CZK mil | 15,713 | 20,276 | 24,223 | 28,599 | 33,809 | |||||||||
| Mortgage Loans | CZK mil | ... | ... | 9,989 | 13,835 | 15,993 | 17,740 | 20,076 | |||||||
| Consumer Loans | CZK mil | ... | ... | 5,723 | 6,441 | 8,230 | 10,859 | 13,733 | |||||||
| Corporate Loans | CZK mil | 10,444 | 11,641 | 12,485 | 12,215 | 13,146 | |||||||||
| Investments | CZK mil | 2,601 | 1,966 | 808 | 1,155 | 1,150 | |||||||||
| Property and Equipment | CZK mil | 811 | 848 | 864 | 158 | 409 | |||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 707 | 738 | ||
| Total Assets | CZK mil | 36,933 | 43,936 | 49,989 | 55,585 | 63,279 | |||||||||
| Shareholders' Equity | CZK mil | 3,885 | 3,294 | 3,501 | 4,849 | 5,254 | |||||||||
| Of Which Minority Interest | CZK mil | 0 | 17.0 | 46.0 | 134 | 161 | |||||||||
| Liabilities | CZK mil | 33,048 | 40,642 | 46,488 | 50,736 | 58,025 | |||||||||
| Interbank Borrowing | CZK mil | 255 | 284 | 242 | 91.0 | 59.0 | |||||||||
| Customer Deposits | CZK mil | 33,502 | 39,835 | 44,836 | 48,760 | 55,474 | |||||||||
| Retail Deposits | CZK mil | 25,897 | 31,487 | 33,697 | 38,636 | 45,190 | |||||||||
| Corporate Deposits | CZK mil | 5,186 | 5,829 | 7,892 | 7,001 | 6,609 | |||||||||
| Issued Debt Securities | CZK mil | 0 | 241 | 1,175 | 1,679 | 1,984 | |||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 879 | ||
| Other Liabilities | CZK mil | -708 | 282 | 235 | 206 | 508 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | CZK mil | 833 | 374 | 547 | 641 | 1,077 | |||||||||
| Gross Loans | CZK mil | 27,704 | 32,637 | 37,242 | 40,814 | 47,264 | |||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | 17,612 | 26,843 | 28,313 | 29,888 | 33,811 | ||||||
| Total Provisions | CZK mil | 270 | 397 | 384 | 580 | 641 | |||||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 38.9 | 16.7 | 15.2 | 9.16 | 15.9 | ||||||||
| Retail Loan Growth | % | ... | 50.5 | 29.0 | 19.5 | 18.1 | 18.2 | ||||||||
| Mortgage Loan Growth | % | ... | ... | ... | 37.7 | 38.5 | 15.6 | 10.9 | 13.2 | ||||||
| Consumer Loan Growth | % | ... | ... | ... | 79.9 | 12.5 | 27.8 | 31.9 | 26.5 | ||||||
| Corporate Loan Growth | % | ... | 28.3 | 11.5 | 7.25 | -2.16 | 7.62 | ||||||||
| Total Asset Growth | % | ... | 34.9 | 19.0 | 13.8 | 11.2 | 13.8 | ||||||||
| Shareholders' Equity Growth | % | ... | 66.5 | -15.2 | 6.28 | 38.5 | 8.35 | ||||||||
| Customer Deposit Growth | % | ... | 37.1 | 18.9 | 12.6 | 8.75 | 13.8 | ||||||||
| Retail Deposit Growth | % | ... | 38.0 | 21.6 | 7.02 | 14.7 | 17.0 | ||||||||
| Corporate Deposit Growth | % | ... | 59.0 | 12.4 | 35.4 | -11.3 | -5.60 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 0.986 | 1.08 | 1.19 | 1.22 | 1.35 | |||||||||
| Market Share in Corporate Loans | % | 1.13 | 1.19 | 1.22 | 1.13 | 1.17 | |||||||||
| Market Share in Retail Loans | % | 1.19 | 1.43 | 1.59 | 1.74 | 1.94 | |||||||||
| Market Share in Consumer Loans | % | ... | ... | 1.64 | 1.77 | 2.17 | 2.74 | 3.31 | |||||||
| Market Share in Mortgage Loans | % | ... | ... | 1.03 | 1.31 | 1.39 | 1.42 | 1.51 | |||||||
| Market Share in Total Assets | % | 0.675 | 0.737 | 0.714 | 0.764 | 0.837 | |||||||||
| Market Share in Customer Deposits | % | 0.952 | 1.06 | 1.08 | 1.10 | 1.17 | |||||||||
| Market Share in Retail Deposits | % | 1.27 | 1.43 | 1.42 | 1.51 | 1.66 | |||||||||
| Market Share in Corporate Deposits | % | 0.563 | 0.636 | 0.792 | 0.672 | 0.604 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| ROE | % | ... | -10.5 | -1.95 | 3.27 | 8.48 | 7.44 | ||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.69 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | -13.8 | -2.10 | 2.68 | 8.11 | 7.87 | |||||
| ROA | % | ... | -1.02 | -0.173 | 0.236 | 0.671 | 0.633 | ||||||||
| Return on Loans | % | -1.38 | -0.236 | 0.322 | 0.918 | 0.866 | |||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | -0.881 | 0.666 | 1.30 | 2.00 | 2.28 | |||||
| Costs (As % Of Assets) | % | ... | 3.15 | 2.50 | 2.28 | 2.18 | 2.16 | ||||||||
| Costs (As % Of Income) | % | 116 | 87.2 | 74.9 | 66.4 | 63.8 | |||||||||
| Costs (As % Of Loans) | % | ... | 4.30 | 3.41 | 3.11 | 2.98 | 2.95 | ||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.93 | 1.52 | 1.39 | 1.35 | 1.34 | ||||||||
| Capital Adequacy Ratio | % | 14.9 | 12.8 | 13.8 | 16.5 | 16.5 | |||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | 14.9 | 11.7 | 11.6 | 14.8 | 14.3 | ||
| Net Interest Margin | % | ... | 2.65 | 2.88 | 2.98 | 3.20 | 3.31 | ||||||||
| Interest Spread | % | ... | 2.55 | 2.82 | 2.95 | 3.17 | 3.25 | ||||||||
| Asset Yield | % | ... | 3.59 | 3.48 | 3.35 | 3.61 | 3.93 | ||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | 5.55 | 5.22 | 5.18 | 5.95 | 6.30 | |||||
| Cost Of Liabilities | % | ... | 1.05 | 0.665 | 0.397 | 0.438 | 0.682 | ||||||||
| Interest Income (As % Of Revenues) | % | 97.4 | 100 | 98.0 | 97.6 | 98.0 | |||||||||
| Fee Income (As % Of Revenues) | % | -1.26 | -1.55 | -0.210 | 1.27 | -0.050 | |||||||||
| Other Income (As % Of Revenues) | % | 3.88 | 1.21 | 2.24 | 1.15 | 2.09 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 48.1 | 51.5 | 50.9 | 50.6 | 50.3 | |||||||||
| Equity (As % Of Assets) | % | 10.5 | 7.50 | 7.00 | 8.72 | 8.30 | |||||||||
| Equity (As % Of Loans) | % | 14.2 | 10.3 | 9.50 | 12.1 | 11.3 | |||||||||
| Loans (As % Of Deposits) | % | 81.9 | 80.3 | 82.2 | 82.5 | 84.0 | |||||||||
| Loans (As % Assets) | % | 74.3 | 72.8 | 73.7 | 72.4 | 73.7 | |||||||||
| NPLs (As % Of Loans) | % | 3.01 | 1.15 | 1.47 | 1.57 | 2.28 | |||||||||
| Provisions (As % Of NPLs) | % | 32.4 | 106 | 70.2 | 90.5 | 59.5 | |||||||||
| Provisions (As % Of Loans) | % | 0.986 | 1.24 | 1.04 | 1.44 | 1.37 | |||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.805 | 0.629 | 0.517 | 0.646 | 0.555 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| Branches | ... | ... | 58.0 | 58.0 | 58.0 | 58.0 | 59.0 | ||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.0 | ... | ... | |
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 27.1 | ... | ... |
| Employees | 565 | 600 | 594 | 608 | 644 | ||||||||||
| Employees Per Bank Branch | ... | ... | 9.74 | 10.3 | 10.2 | 10.5 | 10.9 | ||||||||
| Cost Per Employee | USD per month | 3,013 | 2,868 | 3,258 | 3,646 | 3,702 | |||||||||
| Cost Per Employee (Local Currency) | CZK per month | 71,913 | 72,361 | 76,459 | 79,770 | 83,463 |
| customer breakdown | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| Customers | mil | 0.200 | 0.247 | 0.307 | 0.370 | 0.424 | |||||||||
| Revenue per Customer (Local Currency) | CZK | 4,376 | 4,696 | 4,651 | 4,681 | 4,736 | |||||||||
| Net Profit per Customer (Local Currency) | CZK | -1,632 | -283 | 362 | 957 | 887 | |||||||||
| Loan per Customer (Local Currency) | CZK | 137,168 | 129,583 | 120,059 | 108,741 | 109,960 | |||||||||
| Deposit per Customer (Local Currency) | CZK | 167,508 | 161,275 | 146,046 | 131,784 | 130,835 | |||||||||
| Revenue per Customer | USD | 183 | 186 | 198 | 214 | 210 | |||||||||
| Net Profit per Customer | USD | -68.4 | -11.2 | 15.4 | 43.7 | 39.3 | |||||||||
| Loan per Customer | USD | 5,526 | 5,054 | 5,639 | 4,840 | 4,861 | |||||||||
| Deposit per Customer | USD | 6,748 | 6,290 | 6,859 | 5,866 | 5,784 |
Get all company financials in excel:
By Helgi Library - September 30, 2023
Equa Bank's mortgage loans reached CZK 22,212 mil in 4Q2021, up 1.21% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,595 in 4Q2021, up 2.84% when compared to the last year. Equa Bank accounted for 1.39% of all mortgag...
By Helgi Library - September 30, 2023
Equa Bank made a net profit of CZK 120 mil under revenues of CZK 692 mil in the fourth quarter of 2021, up 140% and 44.7% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 177 mil in 3...
By Helgi Library - September 30, 2023
Equa Bank made a net profit of CZK 120 mil under revenues of CZK 692 mil in the fourth quarter of 2021, up 140% and 44.7% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 177 mil in 3...
By Helgi Library - September 30, 2023
Equa Bank made a net profit of CZK 120 mil in the fourth quarter of 2021, up 140% when compared to the same period of last year. This implies a return on equity of 7.79%. Historically, the bank’s net profit reached an all time high of CZK 177 mil in 3Q2021 and an...
By Helgi Library - September 30, 2023
Equa Bank made a net profit of CZK 120 mil in the fourth quarter of 2021, up 140% when compared to the same period of last year. This implies a return on equity of 7.79%. Historically, the bank’s net profit reached an all time high of CZK 177 mil in 3Q2021 and an...
By Helgi Library - September 30, 2023
Equa Bank's customer loans reached CZK 52,844 mil in 2021-12-31, down 7.32% compared to the previous year. Czech banking sector provided customer loans of CZK 3,848 in 2021-12-31, up 1.87% when compared to the last year. Equa Bank accounted for 1.37% of a...
By Helgi Library - September 30, 2023
Equa Bank's customer loans reached CZK 52,844 mil in 2021-12-31, down 7.32% compared to the previous year. Czech banking sector provided customer loans of CZK 3,848 in 2021-12-31, up 1.87% when compared to the last year. Equa Bank accounted for 1.37% of a...
By Helgi Library - September 30, 2023
Equa Bank's customer deposits reached CZK 64,162 mil in 2021-12-31, down 5.64% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,502 bil in 2021-12-31, down 7.50% when compared to the last year. Equa Bank accounted fo...
By Helgi Library - September 30, 2023
Equa Bank's customer deposits reached CZK 64,162 mil in 2021-12-31, down 5.64% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,502 bil in 2021-12-31, down 7.50% when compared to the last year. Equa Bank accounted fo...
By Helgi Library - September 30, 2023
Equa Bank's net interest margin amounted to 3.19% in the fourth quarter of 2021, up from 2.77% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.21% in 2Q2019 and an all time low of 0.787% ...
Equa bank is a small Czech Republic-based bank. The Bank offers simple retail and corporate banking services covering current and savings accounts with the option of free maintenance, multi-currency payment cards, mortgages, term deposits, consumer loans, insurance and business loans. In 2019, the Bank had over 400,000 clients and operates 59 branches in the whole of the Czech Republic. Equa bank entered the Czech market in July 2011 after Banco Popolare Česká republika had been taken over by Equa Group Limited. Equa Group Limited is owned by funds advised by the British company Anacap Financial Partners LLP.
Equa Bank has been growing its revenues and asset by 45.4% and 28.4% a year on average in the last 10 years. Its loans and deposits have grown by 33.9% and 30.5% a year during that time and loans to deposits ratio reached 82.4% at the end of 2021. The company achieved an average return on equity of -5.72% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 66.5% in 2021, compared to 169% average in the last decade.
Equity represented 8.42% of total assets or 11.7% of loans at the end of 2021. Equa Bank's non-performing loans were 1.68% of total loans while provisions covered some 76.1% of NPLs at the end of 2021.
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