| Profit Statement | 2022 | 2023 | |
| Net Interest Income | CZK mil | 67.7 | 144 |
| Net Fee Income | CZK mil | -0.045 | -0.277 |
| Other Income | CZK mil | 0.109 | 1.41 |
| Total Revenues | CZK mil | 67.7 | 146 |
| Staff Cost | CZK mil | 8.55 | 40.8 |
| Operating Profit | CZK mil | 32.3 | 27.1 |
| Provisions | CZK mil | 0 | 0.197 |
| Net Profit | CZK mil | 26.2 | 26.2 |
| Balance Sheet | 2022 | 2023 | |
| Interbank Loans | CZK mil | 1,434 | 1,399 |
| Customer Loans | CZK mil | 0 | 0 |
| Investments | CZK mil | 120 | 1,102 |
| Total Assets | CZK mil | 3,039 | 3,129 |
| Shareholders' Equity | CZK mil | 3,025 | 3,073 |
| Interbank Borrowing | CZK mil | 0 | 0 |
| Customer Deposits | CZK mil | 0 | 12.8 |
| Issued Debt Securities | CZK mil | 0 | 0 |
| Ratios | 2022 | 2023 | |
| ROE | % | ... | 0.860 |
| ROA | % | ... | 0.850 |
| Costs (As % Of Assets) | % | ... | 3.84 |
| Costs (As % Of Income) | % | 52.4 | 81.4 |
| Capital Adequacy Ratio | % | ... | 236 |
| Net Interest Margin | % | ... | 4.68 |
| Loans (As % Of Deposits) | % | ... | 0 |
| Growth Rates | 2022 | 2023 | |
| Total Revenue Growth | % | ... | 115 |
| Operating Cost Growth | % | ... | 234 |
| Operating Profit Growth | % | ... | -16.1 |
| Net Profit Growth | % | ... | -0.118 |
| Total Asset Growth | % | ... | 2.95 |
| Shareholders' Equity Growth | % | ... | 1.57 |
| Employees | ... | 17.0 | |
Get all company financials in excel:
| summary | Unit | 2022 | 2023 |
| income statement | |||
| Net Interest Income | CZK mil | ||
| Total Revenues | CZK mil | ||
| Operating Profit | CZK mil | ||
| Net Profit | CZK mil | ||
| balance sheet | |||
| Interbank Loans | CZK mil | ||
| Customer Loans | CZK mil | ||
| Investments | CZK mil | ||
| Total Assets | CZK mil | ||
| Shareholders' Equity | CZK mil | ||
| Interbank Borrowing | CZK mil | ||
| Customer Deposits | CZK mil | ||
| Issued Debt Securities | CZK mil | ||
| ratios | |||
| ROE | % | ... | |
| ROA | % | ... | |
| Costs (As % Of Assets) | % | ... | |
| Costs (As % Of Income) | % | ||
| Capital Adequacy Ratio | % | ... | |
| Net Interest Margin | % | ... | |
| Interest Income (As % Of Revenues) | % | ||
| Fee Income (As % Of Revenues) | % | ||
| Staff Cost (As % Of Total Cost) | % | ||
| Equity (As % Of Assets) | % | ||
| Loans (As % Of Deposits) | % | ... | |
| Loans (As % Assets) | % |
| income statement | Unit | 2022 | 2023 |
| income statement | |||
| Interest Income | CZK mil | ||
| Interest Cost | CZK mil | ||
| Net Interest Income | CZK mil | ||
| Net Fee Income | CZK mil | ||
| Fee Income | CZK mil | ||
| Fee Expense | CZK mil | ||
| Other Income | CZK mil | ||
| Total Revenues | CZK mil | ||
| Staff Cost | CZK mil | ||
| Depreciation | CZK mil | ||
| Other Cost | CZK mil | ||
| Operating Cost | CZK mil | ||
| Operating Profit | CZK mil | ||
| Provisions | CZK mil | ||
| Extra and Other Cost | CZK mil | ||
| Pre-Tax Profit | CZK mil | ||
| Tax | CZK mil | ||
| Minorities | CZK mil | ||
| Net Profit | CZK mil | ||
| Net Profit Avail. to Common | CZK mil | ||
| growth rates | |||
| Net Interest Income Growth | % | ... | |
| Net Fee Income Growth | % | ... | |
| Total Revenue Growth | % | ... | |
| Operating Cost Growth | % | ... | |
| Operating Profit Growth | % | ... | |
| Pre-Tax Profit Growth | % | ... | |
| Net Profit Growth | % | ... |
| balance sheet | Unit | 2022 | 2023 |
| balance sheet | |||
| Cash & Cash Equivalents | CZK mil | ||
| Interbank Loans | CZK mil | ||
| Customer Loans | CZK mil | ||
| Retail Loans | CZK mil | ||
| Mortgage Loans | CZK mil | ||
| Consumer Loans | CZK mil | ||
| Corporate Loans | CZK mil | ||
| Investments | CZK mil | ||
| Property and Equipment | CZK mil | ||
| Intangible Assets | CZK mil | ||
| Goodwill | CZK mil | ||
| Total Assets | CZK mil | ||
| Shareholders' Equity | CZK mil | ||
| Of Which Minority Interest | CZK mil | ||
| Liabilities | CZK mil | ||
| Interbank Borrowing | CZK mil | ||
| Customer Deposits | CZK mil | ||
| Sight Deposits | CZK mil | ||
| Term Deposits | CZK mil | ||
| Issued Debt Securities | CZK mil | ||
| Other Liabilities | CZK mil | ||
| asset quality | |||
| Risk-Weighted Assets | CZK mil | ... | |
| growth rates | |||
| Total Asset Growth | % | ... | |
| Shareholders' Equity Growth | % | ... |
| ratios | Unit | 2022 | 2023 |
| ROE | % | ... | |
| ROTE | % | ... | |
| ROA | % | ... | |
| operating profit (as % of rwa) | |||
| Costs (As % Of Assets) | % | ... | |
| Costs (As % Of Income) | % | ||
| Costs (As % Of Loans & Deposits) | % | ... | |
| Capital Adequacy Ratio | % | ... | |
| Tier 1 Ratio | % | ... | |
| Net Interest Margin | % | ... | |
| Interest Spread | % | ... | |
| Asset Yield | % | ... | |
| revenues (as % of rwa) | |||
| Cost Of Liabilities | % | ... | |
| Interest Income (As % Of Revenues) | % | ||
| Fee Income (As % Of Revenues) | % | ||
| Other Income (As % Of Revenues) | % | ||
| Staff Cost (As % Of Total Cost) | % | ||
| Equity (As % Of Assets) | % | ||
| Loans (As % Of Deposits) | % | ... | |
| Loans (As % Assets) | % |
| other data | Unit | 2022 | 2023 |
| Branches | ... | ||
| Employees | ... | ||
| Employees Per Bank Branch | ... | ||
| Cost Per Employee | USD per month | ... | |
| Cost Per Employee (Local Currency) | CZK per month | ... |
Get all company financials in excel:
Partners Banka has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached 0% at the end of 2023. The company achieved an average return on equity of 0.860% in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 81.4% in 2023, compared to 66.9% average in the last three years.
Equity represented 98.2% of total assets or of loans at the end of 2023. Partners Banka's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2023.
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