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Essox

Created with Highcharts 6.0.4Sales and Profits (CZK mil)Total RevenuesNet Profit200520062007200820092010201120122013201420152016201720180500100015002000-2500250500750

Essox's npls (as % of loans) fell 37.0% to 8.49% in 2018

By Helgi Library - August 21, 2019

Essox's non-performing loans reached 8.49% of total loans at the end of 2018, down from 13.5% compared to the previous year. ...

Essox's npls (as % of loans) fell 37.0% to 8.49% in 2018

By Helgi Library - August 21, 2019

Essox's non-performing loans reached 8.49% of total loans at the end of 2018, down from 13.5% compared to the previous year. ...

Essox's customer loans rose 49.1% to CZK 13,774 mil in 2018

By Helgi Library - December 12, 2019

Essox's customer loans reached CZK 13,774 mil in 2018, up 49.1% compared to the previous year. Czech banking sector provided cu...

Profit Statement 2016 2017 2018
Net Interest Income CZK mil 1,040 1,058 908
Net Fee Income CZK mil -90.3 -193 21.6
Other Income CZK mil 35.8 38.2 31.5
Total Revenues CZK mil 986 903 961
Staff Cost CZK mil 213 234 273
Operating Profit CZK mil 530 417 408
Provisions CZK mil -17.2 -108 -30.9
Net Profit CZK mil 471 384 383
Balance Sheet 2016 2017 2018
Interbank Loans CZK mil 1,666 1,544 1,490
Customer Loans CZK mil 7,602 9,235 13,774
Total Assets CZK mil 11,661 13,111 16,547
Shareholders' Equity CZK mil 3,596 3,500 3,411
Interbank Borrowing CZK mil 7,493 9,057 12,439
Customer Deposits CZK mil 88.3 102 176
Issued Debt Securities CZK mil 0 0 0
Ratios 2016 2017 2018
ROE % 12.6 10.8 11.1
ROA % 4.38 3.10 2.58
Costs (As % Of Assets) % 4.24 3.93 3.73
Costs (As % Of Income) % 46.2 53.9 57.6
Net Interest Margin % 9.68 8.54 6.12
Loans (As % Of Deposits) % 8,608 9,097 7,831
NPLs (As % Of Loans) % 26.3 13.5 8.49
Provisions (As % Of NPLs) % 94.4 90.5 88.0
Growth Rates 2016 2017 2018
Total Revenue Growth % -5.83 -8.34 6.35
Operating Cost Growth % 3.09 6.94 13.6
Operating Profit Growth % -12.3 -21.5 -2.12
Net Profit Growth % 1.28 -18.4 -0.331
Customer Loan Growth % 13.6 21.5 49.1
Total Asset Growth % 18.7 12.4 26.2
Customer Deposit Growth % -0.382 14.9 73.3
Shareholders' Equity Growth % -7.56 -2.67 -2.53
Employees 346 352 376

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