By Helgi Library - May 12, 2024
J&T Banka made a net profit of CZK 1,547 mil in the fourth quarter of 2023, up 332% when compared to the same period of last ...
By Helgi Library - May 12, 2024
J&T Banka's capital adequacy ratio reached 24.8% at the end of fourth quarter of 2023, down from 25.2% when compared to the p...
By Helgi Library - May 12, 2024
J&T Banka made a net profit of CZK 1,547 mil under revenues of CZK 3,565 mil in the fourth quarter of 2023, up 332% and 7...
| Profit Statement | Jun 2023 | Sep 2023 | Dec 2023 | |
| Net Interest Income | CZK mil | 2,339 | 2,418 | 2,514 |
| Net Fee Income | CZK mil | 394 | 274 | 430 |
| Other Income | CZK mil | 1,166 | 307 | 622 |
| Total Revenues | CZK mil | 3,899 | 2,998 | 3,565 |
| Staff Cost | CZK mil | 424 | 410 | 347 |
| Operating Profit | CZK mil | 3,016 | 2,146 | 2,579 |
| Provisions | CZK mil | 714 | -12.9 | 817 |
| Net Profit | CZK mil | 1,906 | 1,707 | 1,547 |
| Balance Sheet | Jun 2023 | Sep 2023 | Dec 2023 | |
| Interbank Loans | CZK mil | 418 | 325 | 271 |
| Customer Loans | CZK mil | 100,785 | 101,114 | 100,270 |
| Investments | CZK mil | 17,386 | 18,064 | 29,477 |
| Total Assets | CZK mil | 254,008 | 273,743 | 289,436 |
| Shareholders' Equity | CZK mil | 36,686 | 38,213 | 39,690 |
| Interbank Borrowing | CZK mil | 8,108 | 8,322 | 8,256 |
| Customer Deposits | CZK mil | 191,824 | 206,075 | 216,733 |
| Issued Debt Securities | CZK mil | 2,769 | 3,547 | 4,543 |
| Ratios | Jun 2023 | Sep 2023 | Dec 2023 | |
| ROE | % | 21.0 | 18.2 | 15.9 |
| ROA | % | 3.01 | 2.59 | 2.20 |
| Costs (As % Of Assets) | % | 1.39 | 1.29 | 1.40 |
| Costs (As % Of Income) | % | 22.6 | 28.4 | 27.7 |
| Capital Adequacy Ratio | % | 24.2 | 25.2 | 24.8 |
| Net Interest Margin | % | 3.70 | 3.66 | 3.57 |
| Loans (As % Of Deposits) | % | 52.5 | 49.1 | 46.3 |
| NPLs (As % Of Loans) | % | 4.12 | 3.90 | 3.68 |
| Provisions (As % Of NPLs) | % | 74.2 | 76.7 | 78.4 |
| Growth Rates | Jun 2023 | Sep 2023 | Dec 2023 | |
| Total Revenue Growth | % | 226 | -18.2 | 7.88 |
| Operating Cost Growth | % | 26.3 | 20.8 | 49.2 |
| Operating Profit Growth | % | 506 | -27.5 | -2.44 |
| Net Profit Growth | % | 499 | -25.1 | 332 |
| Customer Loan Growth | % | 3.65 | 1.32 | -3.26 |
| Total Asset Growth | % | 3.67 | 13.5 | 31.5 |
| Customer Deposit Growth | % | 0.276 | 15.3 | 35.8 |
| Shareholders' Equity Growth | % | 36.2 | 28.8 | 13.2 |
| Employees | 719 | 676 | 698 | |
Get all company financials in excel:
| summary | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
| income statement | ||||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | 1,475 | 1,921 | 1,883 | 1,875 | 2,339 | |||||||||||||||||||
| Total Revenues | CZK mil | ... | 1,197 | 3,666 | 3,305 | 2,738 | 3,899 | |||||||||||||||||||
| Operating Profit | CZK mil | ... | 498 | 2,961 | 2,643 | 1,893 | 3,016 | |||||||||||||||||||
| Net Profit | CZK mil | ... | 318 | 2,277 | 358 | 1,161 | 1,906 | |||||||||||||||||||
| balance sheet | ||||||||||||||||||||||||||
| Interbank Loans | CZK mil | 912 | 696 | 487 | 541 | 418 | ||||||||||||||||||||
| Customer Loans | CZK mil | 97,235 | 99,799 | 103,644 | 99,898 | 100,785 | ||||||||||||||||||||
| Investments | CZK mil | 14,687 | 29,047 | 24,596 | 13,917 | 17,386 | ||||||||||||||||||||
| Total Assets | CZK mil | 245,007 | 241,188 | 220,172 | 252,079 | 254,008 | ||||||||||||||||||||
| Shareholders' Equity | CZK mil | 26,937 | 29,671 | 35,054 | 35,810 | 36,686 | ||||||||||||||||||||
| Interbank Borrowing | CZK mil | 6,492 | 7,465 | 8,520 | 7,704 | 8,108 | ||||||||||||||||||||
| Customer Deposits | CZK mil | 191,296 | 178,788 | 159,575 | 190,474 | 191,824 | ||||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 354 | 436 | 557 | 2,165 | 2,769 | |||||||||||||||||
| ratios | ||||||||||||||||||||||||||
| ROE | % | ... | 4.95 | 32.2 | 4.43 | 13.1 | 21.0 | |||||||||||||||||||
| ROA | % | ... | 0.561 | 3.75 | 0.622 | 1.97 | 3.01 | |||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.23 | 1.16 | 1.15 | 1.43 | 1.39 | |||||||||||||||||||
| Costs (As % Of Income) | % | ... | 58.4 | 19.2 | 20.0 | 30.9 | 22.6 | |||||||||||||||||||
| Capital Adequacy Ratio | % | 19.1 | 22.4 | 20.4 | 23.8 | 24.2 | ||||||||||||||||||||
| Net Interest Margin | % | ... | 2.60 | 3.16 | 3.26 | 3.18 | 3.70 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 123 | 52.4 | 57.0 | 68.5 | 60.0 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 26.4 | 9.65 | 13.4 | 12.9 | 10.1 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 48.2 | 51.7 | 48.3 | 45.2 | 48.1 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 11.0 | 12.3 | 15.9 | 14.2 | 14.4 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | 50.8 | 55.8 | 65.0 | 52.4 | 52.5 | ||||||||||||||||||||
| Loans (As % Assets) | % | 39.7 | 41.4 | 47.1 | 39.6 | 39.7 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | 4.94 | 4.78 | 4.53 | 4.32 | 4.12 | ||||||||||||||||||||
| Provisions (As % Of NPLs) | % | 66.7 | 67.9 | 72.6 | 72.1 | 74.2 | ||||||||||||||||||||
| valuation | ||||||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | 59.9 | 110 | 52.3 | 37.6 | 58.5 |
| income statement | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
| income statement | ||||||||||||||||||||||||||
| Interest Income | CZK mil | ... | 2,496 | 3,109 | 3,270 | 3,509 | 4,246 | |||||||||||||||||||
| Interest Cost | CZK mil | ... | 1,021 | 1,188 | 1,387 | 1,634 | 1,907 | |||||||||||||||||||
| Net Interest Income | CZK mil | ... | 1,475 | 1,921 | 1,883 | 1,875 | 2,339 | |||||||||||||||||||
| Net Fee Income | CZK mil | ... | 316 | 354 | 444 | 352 | 394 | |||||||||||||||||||
| Fee Income | CZK mil | ... | 391 | 431 | 531 | 428 | 465 | |||||||||||||||||||
| Fee Expense | CZK mil | ... | 74.9 | 76.8 | 87.1 | 75.4 | 71.3 | |||||||||||||||||||
| Other Income | CZK mil | ... | -595 | 1,392 | 978 | 511 | 1,166 | |||||||||||||||||||
| Total Revenues | CZK mil | ... | 1,197 | 3,666 | 3,305 | 2,738 | 3,899 | |||||||||||||||||||
| Staff Cost | CZK mil | ... | 337 | 365 | 319 | 382 | 424 | |||||||||||||||||||
| Depreciation | CZK mil | ... | 52.6 | 52.8 | 53.4 | 56.1 | 57.2 | |||||||||||||||||||
| Other Cost | CZK mil | ... | 310 | 288 | 289 | 407 | 401 | |||||||||||||||||||
| Operating Cost | CZK mil | ... | 699 | 705 | 661 | 845 | 882 | |||||||||||||||||||
| Operating Profit | CZK mil | ... | 498 | 2,961 | 2,643 | 1,893 | 3,016 | |||||||||||||||||||
| Provisions | CZK mil | ... | 157 | 82.8 | 1,533 | 287 | 714 | |||||||||||||||||||
| Extra and Other Cost | CZK mil | ... | -13.2 | 39.2 | 424 | < -0.001 | < 0.001 | |||||||||||||||||||
| Pre-Tax Profit | CZK mil | ... | 353 | 2,839 | 687 | 1,606 | 2,302 | |||||||||||||||||||
| Tax | CZK mil | ... | 35.3 | 562 | 329 | 445 | 396 | |||||||||||||||||||
| Minorities | CZK mil | ... | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| Net Profit | CZK mil | ... | 318 | 2,277 | 358 | 1,161 | 1,906 | |||||||||||||||||||
| Net Profit Avail. to Common | CZK mil | ... | 318 | 2,277 | 358 | 1,161 | 1,906 | |||||||||||||||||||
| growth rates | ||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | 59.9 | 110 | 52.3 | 37.6 | 58.5 | |||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | 29.7 | 21.5 | 30.7 | 17.5 | 24.7 | |||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | -15.1 | 141 | 224 | 23.6 | 226 | |||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | 13.5 | 10.5 | 120 | 21.2 | 26.3 | |||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | -37.3 | 236 | 268 | 24.8 | 506 | |||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | -64.8 | 413 | -977 | 9.40 | 551 | |||||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | -61.5 | 436 | -413 | -0.433 | 499 | |||||||||||||||
| market share | ||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | 2.05 | 6.44 | 5.58 | 4.91 | 5.81 | |||||||||||||||||||
| Market Share in Net Profit | % | ... | 1.02 | 8.38 | 1.75 | 5.50 | 5.51 | |||||||||||||||||||
| Market Share in Employees | % | ... | ... | ... | 1.60 | 1.69 | 1.63 | 1.77 | 1.83 | |||||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | 0.389 | 0.389 | 0.393 | 0.479 | 0.472 |
| balance sheet | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
| balance sheet | ||||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 72,451 | 75,428 | 76,804 | 102,105 | 111,990 | ||||||||||||||||||||
| Interbank Loans | CZK mil | 912 | 696 | 487 | 541 | 418 | ||||||||||||||||||||
| Customer Loans | CZK mil | 97,235 | 99,799 | 103,644 | 99,898 | 100,785 | ||||||||||||||||||||
| Retail Loans | CZK mil | 2,081 | 1,992 | 1,811 | 2,075 | 2,073 | ||||||||||||||||||||
| Corporate Loans | CZK mil | 59,106 | 58,951 | 59,226 | 58,564 | 58,384 | ||||||||||||||||||||
| Investments | CZK mil | 14,687 | 29,047 | 24,596 | 13,917 | 17,386 | ||||||||||||||||||||
| Property and Equipment | CZK mil | 1,648 | 1,611 | 1,653 | 1,630 | 1,499 | ||||||||||||||||||||
| Intangible Assets | CZK mil | ... | 156 | 156 | 204 | 197 | 207 | |||||||||||||||||||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | ... | ... | ||||||
| Total Assets | CZK mil | 245,007 | 241,188 | 220,172 | 252,079 | 254,008 | ||||||||||||||||||||
| Shareholders' Equity | CZK mil | 26,937 | 29,671 | 35,054 | 35,810 | 36,686 | ||||||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||||
| Liabilities | CZK mil | 218,070 | 211,517 | 185,118 | 216,268 | 217,322 | ||||||||||||||||||||
| Interbank Borrowing | CZK mil | 6,492 | 7,465 | 8,520 | 7,704 | 8,108 | ||||||||||||||||||||
| Customer Deposits | CZK mil | 191,296 | 178,788 | 159,575 | 190,474 | 191,824 | ||||||||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28,371 | ... | ... | ... | |||||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 131,204 | ... | ... | ... | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 354 | 436 | 557 | 2,165 | 2,769 | |||||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 256 | ... | ... | ... | |||||
| Other Liabilities | CZK mil | ... | ... | ... | 19,928 | 24,829 | 16,466 | 15,926 | 14,622 | |||||||||||||||||
| asset quality | ||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | 4,963 | 4,933 | 4,851 | 4,452 | 4,282 | ||||||||||||||||||||
| Gross Loans | CZK mil | 100,545 | 103,150 | 107,168 | 103,107 | 103,961 | ||||||||||||||||||||
| Risk-Weighted Assets | CZK mil | 130,342 | 123,143 | 147,132 | 141,813 | 143,073 | ||||||||||||||||||||
| Total Provisions | CZK mil | 3,309 | 3,351 | 3,524 | 3,209 | 3,176 | ||||||||||||||||||||
| growth rates | ||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 9.74 | 11.5 | 17.4 | 5.07 | 3.65 | ||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | -1.77 | -15.2 | -28.6 | -0.753 | -0.408 | ||||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | 1.10 | -1.04 | 1.89 | -0.646 | -1.22 | ||||||||||||||||
| Total Asset Growth | % | ... | ... | ... | ... | 30.1 | 20.5 | 13.4 | 20.7 | 3.67 | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 22.6 | 25.5 | 49.3 | 46.1 | 36.2 | ||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | 28.8 | 13.5 | 6.88 | 18.2 | 0.276 | ||||||||||||||||
| market share | ||||||||||||||||||||||||||
| Market Share in Customer Loans | % | 2.46 | 2.46 | 2.55 | 2.43 | 2.40 | ... | |||||||||||||||||||
| Market Share in Corporate Loans | % | 4.84 | 4.61 | 4.79 | 4.66 | 4.49 | ||||||||||||||||||||
| Market Share in Retail Loans | % | 0.099 | 0.094 | 0.085 | 0.096 | 0.094 | ||||||||||||||||||||
| Market Share in Total Assets | % | 2.55 | 2.55 | 2.47 | 2.59 | 2.54 | ||||||||||||||||||||
| Market Share in Customer Deposits | % | 3.02 | 2.79 | 2.72 | 2.88 | 2.81 |
| ratios | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
| ROE | % | ... | 4.95 | 32.2 | 4.43 | 13.1 | 21.0 | |||||||||||||||||||
| ROTE | % | ... | ... | 7.32 | 14.0 | 14.3 | 13.0 | 16.7 | ||||||||||||||||||
| ROE (@ 15% of RWA) | % | ... | 9.59 | 19.3 | 20.9 | 20.2 | 27.4 | |||||||||||||||||||
| ROA | % | ... | 0.561 | 3.75 | 0.622 | 1.97 | 3.01 | |||||||||||||||||||
| Return on Loans | % | ... | 1.87 | 3.70 | 4.05 | 4.04 | 5.68 | |||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | 2.90 | 4.53 | 5.79 | 5.90 | 7.58 | |||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.23 | 1.16 | 1.15 | 1.43 | 1.39 | |||||||||||||||||||
| Costs (As % Of Income) | % | ... | 58.4 | 19.2 | 20.0 | 30.9 | 22.6 | |||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 2.91 | 2.86 | 2.60 | 3.32 | 3.52 | |||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.969 | 1.01 | 1.00 | 1.16 | 1.21 | |||||||||||||||||||
| Capital Adequacy Ratio | % | 19.1 | 22.4 | 20.4 | 23.8 | 24.2 | ||||||||||||||||||||
| Tier 1 Ratio | % | 19.1 | 22.4 | 20.2 | 23.7 | 24.1 | ||||||||||||||||||||
| Net Interest Margin | % | ... | 2.60 | 3.16 | 3.26 | 3.18 | 3.70 | |||||||||||||||||||
| Interest Spread | % | ... | 2.37 | 2.90 | 2.87 | 2.69 | 3.19 | |||||||||||||||||||
| Asset Yield | % | ... | 4.40 | 5.12 | 5.67 | 5.94 | 6.71 | |||||||||||||||||||
| Revenues (As % of RWA) | % | ... | 3.73 | 11.6 | 9.78 | 7.58 | 10.9 | |||||||||||||||||||
| Cost Of Liabilities | % | ... | 2.03 | 2.21 | 2.80 | 3.26 | 3.52 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 123 | 52.4 | 57.0 | 68.5 | 60.0 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 26.4 | 9.65 | 13.4 | 12.9 | 10.1 | |||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | -49.7 | 38.0 | 29.6 | 18.7 | 29.9 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 48.2 | 51.7 | 48.3 | 45.2 | 48.1 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 11.0 | 12.3 | 15.9 | 14.2 | 14.4 | ||||||||||||||||||||
| Equity (As % Of Loans) | % | 27.7 | 29.7 | 33.8 | 35.8 | 36.4 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | 50.8 | 55.8 | 65.0 | 52.4 | 52.5 | ||||||||||||||||||||
| Loans (As % Assets) | % | 39.7 | 41.4 | 47.1 | 39.6 | 39.7 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | 4.94 | 4.78 | 4.53 | 4.32 | 4.12 | ||||||||||||||||||||
| Provisions (As % Of NPLs) | % | 66.7 | 67.9 | 72.6 | 72.1 | 74.2 | ||||||||||||||||||||
| Provisions (As % Of Loans) | % | 3.40 | 3.36 | 3.40 | 3.21 | 3.15 | ||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.655 | 0.336 | 6.03 | 1.13 | 2.85 |
| other data | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
| Branches | ... | ... | ... | ... | 6.00 | 6.00 | 6.00 | 7.00 | 7.00 | |||||||||||||||||
| Employees | ... | ... | ... | 626 | 664 | 644 | 691 | 719 | ||||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | 104 | 111 | 107 | 98.6 | 103 | |||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 7,832 | 7,476 | 6,912 | 8,345 | 9,054 | ||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | 179,297 | 183,159 | 165,187 | 184,472 | 196,601 |
| customer breakdown | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
| Customers | mil | ... | ... | ... | 0.090 | 0.092 | 0.095 | 0.105 | 0.109 | |||||||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 66,341 | 87,566 | 108,775 | 104,329 | 124,296 | |||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 20,007 | 39,440 | 43,166 | 39,366 | 52,093 | |||||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | 1,084,169 | 1,079,275 | 1,085,914 | 955,688 | 920,603 | |||||||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | 2,132,938 | 1,933,494 | 1,671,923 | 1,822,201 | 1,752,184 | |||||||||||||||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | 2,898 | 3,574 | 4,552 | 4,719 | 5,724 | |||||||||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | 874 | 1,610 | 1,806 | 1,781 | 2,399 | |||||||||||||||
| Loan per Customer | USD | ... | ... | ... | 45,513 | 42,861 | 48,015 | 44,249 | 42,170 | |||||||||||||||||
| Deposit per Customer | USD | ... | ... | ... | 89,540 | 76,784 | 73,927 | 84,369 | 80,261 |
Get all company financials in excel:
By Helgi Library - May 12, 2024
J&T Banka's non-performing loans reached 3.68% of total loans at the end of 2023-12-31, down from 4.53% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.51% in 2018-09-30 and an all time low of 3.68% in 2023-12-31. Pr...
By Helgi Library - May 12, 2024
J&T Banka's net interest margin amounted to 3.57% in the fourth quarter of 2023, down from 3.66% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.25% in 4Q2018 and an all time low of 1...
By Helgi Library - May 12, 2024
J&T Banka employed 698 persons in 2023-12-31, up 3.27% when compared to the previous year. Historically, the bank's workforce hit an all time high of 719 persons in 2023-06-30 and an all time low of 485 in 2018-12-31. Average cost reached USD 7,319 per month ...
By Helgi Library - May 12, 2024
J&T Banka's customer loans reached CZK 101,114 mil in 2023-09-30, up 0.326% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 bil in 2023-09-30, up 1.99% when compared to the last year. J&T Banka accounted fo...
By Helgi Library - May 12, 2024
J&T Banka's customer deposits reached CZK 216,733 mil in 4Q2023, up 5.17% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,701 bil in 4Q2023, down 3.35% when compared to the last year. J&T Banka accounted for...
By Helgi Library - May 12, 2024
J&T Banka generated total banking revenues of CZK 3,565 mil in 2023-12-31, up 18.9% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,954 mil in 2023-12-31, up 3.14% when compared to the last yea...
By Helgi Library - May 12, 2024
J&T Banka's retail loans reached CZK 2,196 mil in the fourth quarter of 2023, up 4.58% compared to the previous year. Czech banking sector provided retail loans of CZK 2,242 bil in 4Q2023, up 0.906% when compared to the last year. J&T Banka accoun...
By Helgi Library - May 12, 2024
J&T Banka generated total banking revenues of CZK 3,565 mil in the fourth quarter of 2023, up 7.88% when compared to the same period of last year and 18.9% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
By Helgi Library - May 12, 2024
J&T Banka's cost to income ratio reached 27.7% in the fourth quarter of 2023, down from 28.4% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 65.3% of income in 1Q2020 and an all time low of 19.2% in 3Q20...
By Helgi Library - May 12, 2024
J&T Banka's customer loan growth reached -3.26% in 2023-12-31, down from 17.4% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 48.3% in 2020-12-31 and an all time low of -5.98% in 2019-12-31. In the las...
J&T Banka is a Czech Republic-based bank, It is a subsidiary of J&T Group, which provides investment, corporate, and retail banking services in the Czech Republic, Slovakia, and Russia. The Bank offers bank deposits, investments and advisory services comprising portfolio management, asset structuring, and concierge services. The Bank also provides financing products, which include loan financing, securities financing, and current accounts; and other banking services, such as payment cards. J&T Group is an investment group founded in 1993 in Slovakia. J&T invests mainly into the financial services, energy sector, real estate, health care, media and sports. The name of the company is derived from the family names of its two founders Ivan Jakabovič and Patrik Tkáč
J&T Banka has been growing its revenues and asset by 16.0% and 10.1% a year on average in the last 10 years. Its loans and deposits have grown by 5.27% and 9.71% a year during that time and loans to deposits ratio reached 46.3% at the end of 2023. The company achieved an average return on equity of 10.4% in the last decade with net profit growing 20.5% a year on average. In terms of operating efficiency, its cost to income ratio reached 27.0% in 2023, compared to 43.3% average in the last decade.
Equity represented 13.7% of total assets or 39.6% of loans at the end of 2023. J&T Banka's non-performing loans were 3.68% of total loans while provisions covered some 78.4% of NPLs at the end of 2023.
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