| Profit Statement | Dec 2023 | Mar 2024 | Jun 2024 | |
| Net Interest Income | CZK mil | 144 | 34.7 | 34.8 |
| Net Fee Income | CZK mil | -0.331 | -3.11 | -9.96 |
| Other Income | CZK mil | 1.48 | 1.19 | 2.02 |
| Total Revenues | CZK mil | 146 | 32.8 | 26.9 |
| Staff Cost | CZK mil | 40.8 | 23.5 | 29.4 |
| Operating Profit | CZK mil | 27.1 | -41.2 | -109 |
| Provisions | CZK mil | 0.262 | 0.110 | -0.091 |
| Net Profit | CZK mil | 26.2 | -30.3 | -83.4 |
| Balance Sheet | Dec 2023 | Mar 2024 | Jun 2024 | |
| Interbank Loans | CZK mil | 1,387 | 3,695 | 20,908 |
| Customer Loans | CZK mil | 0 | 0 | 0 |
| Investments | CZK mil | 1,102 | 1,196 | 1,461 |
| Total Assets | CZK mil | 3,129 | 5,608 | 23,657 |
| Shareholders' Equity | CZK mil | 3,073 | 3,038 | 2,951 |
| Interbank Borrowing | CZK mil | 0 | 0 | 0 |
| Customer Deposits | CZK mil | 12.8 | 2,517 | 20,581 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | Dec 2023 | Mar 2024 | Jun 2024 | |
| ROE | % | ... | -3.97 | -11.1 |
| ROA | % | ... | -2.77 | -2.28 |
| Costs (As % Of Assets) | % | ... | 6.77 | 3.72 |
| Costs (As % Of Income) | % | 81.4 | 226 | 507 |
| Capital Adequacy Ratio | % | 236 | ... | ... |
| Net Interest Margin | % | ... | 3.17 | 0.952 |
| Loans (As % Of Deposits) | % | 0 | 0 | 0 |
| Growth Rates | Dec 2023 | Mar 2024 | Jun 2024 | |
| Employees | 17.0 | 47.0 | 58.0 | |
Get all company financials in excel:
| summary | Unit | Dec 2023 | Mar 2024 | Jun 2024 |
| income statement | ||||
| Net Interest Income | CZK mil | 144 | ||
| Total Revenues | CZK mil | 146 | ||
| Operating Profit | CZK mil | 27.1 | ||
| Net Profit | CZK mil | 26.2 | ||
| balance sheet | ||||
| Interbank Loans | CZK mil | 1,387 | ||
| Customer Loans | CZK mil | 0 | ||
| Investments | CZK mil | 1,102 | ||
| Total Assets | CZK mil | 3,129 | ||
| Shareholders' Equity | CZK mil | 3,073 | ||
| Interbank Borrowing | CZK mil | 0 | ||
| Customer Deposits | CZK mil | 12.8 | ||
| Issued Debt Securities | CZK mil | 0 | ||
| ratios | ||||
| ROE | % | ... | ||
| ROA | % | ... | ||
| Costs (As % Of Assets) | % | ... | ||
| Costs (As % Of Income) | % | 81.4 | ||
| Capital Adequacy Ratio | % | 236 | ... | ... |
| Net Interest Margin | % | ... | ||
| Interest Income (As % Of Revenues) | % | 99.2 | ||
| Fee Income (As % Of Revenues) | % | -0.227 | ||
| Staff Cost (As % Of Total Cost) | % | 34.4 | ||
| Equity (As % Of Assets) | % | 98.2 | ||
| Loans (As % Of Deposits) | % | 0 | ||
| Loans (As % Assets) | % | 0 |
| income statement | Unit | Dec 2023 | Mar 2024 | Jun 2024 |
| income statement | ||||
| Interest Income | CZK mil | 151 | ||
| Interest Cost | CZK mil | 6.32 | ||
| Net Interest Income | CZK mil | 144 | ||
| Net Fee Income | CZK mil | -0.331 | ||
| Fee Income | CZK mil | 0.006 | ||
| Fee Expense | CZK mil | 0.337 | ||
| Other Income | CZK mil | 1.48 | ||
| Total Revenues | CZK mil | 146 | ||
| Staff Cost | CZK mil | 40.8 | ||
| Depreciation | CZK mil | 0.783 | ||
| Other Cost | CZK mil | 76.9 | ||
| Operating Cost | CZK mil | 118 | ||
| Operating Profit | CZK mil | 27.1 | ||
| Provisions | CZK mil | 0.262 | ||
| Extra and Other Cost | CZK mil | 0.597 | ||
| Pre-Tax Profit | CZK mil | 26.2 | ||
| Tax | CZK mil | 0.597 | ||
| Minorities | CZK mil | 0 | ||
| Net Profit | CZK mil | 26.2 | ||
| Net Profit Avail. to Common | CZK mil | 26.2 |
| balance sheet | Unit | Dec 2023 | Mar 2024 | Jun 2024 |
| balance sheet | ||||
| Cash & Cash Equivalents | CZK mil | 29.6 | ||
| Interbank Loans | CZK mil | 1,387 | ||
| Customer Loans | CZK mil | 0 | ||
| Retail Loans | CZK mil | 0 | ||
| Mortgage Loans | CZK mil | 0 | ||
| Consumer Loans | CZK mil | 0 | ||
| Corporate Loans | CZK mil | 0 | ||
| Investments | CZK mil | 1,102 | ||
| Property and Equipment | CZK mil | 7.18 | ||
| Intangible Assets | CZK mil | 17.3 | ||
| Total Assets | CZK mil | 3,129 | ||
| Shareholders' Equity | CZK mil | 3,073 | ||
| Of Which Minority Interest | CZK mil | 0 | ||
| Liabilities | CZK mil | 56.1 | ||
| Interbank Borrowing | CZK mil | 0 | ||
| Customer Deposits | CZK mil | 12.8 | ||
| Issued Debt Securities | CZK mil | 0 | ||
| Other Liabilities | CZK mil | 43.3 | ||
| asset quality | ||||
| Risk-Weighted Assets | CZK mil | 1,290 | ... | ... |
| ratios | Unit | Dec 2023 | Mar 2024 | Jun 2024 |
| ROE | % | ... | ||
| ROTE | % | ... | ||
| ROA | % | ... | ||
| Costs (As % Of Assets) | % | ... | ||
| Costs (As % Of Income) | % | 81.4 | ||
| Costs (As % Of Loans & Deposits) | % | 3,691 | ||
| Capital Adequacy Ratio | % | 236 | ... | ... |
| Tier 1 Ratio | % | 236 | ... | ... |
| Net Interest Margin | % | ... | ||
| Interest Spread | % | ... | ||
| Asset Yield | % | ... | ||
| Cost Of Liabilities | % | ... | ||
| Interest Income (As % Of Revenues) | % | 99.2 | ||
| Fee Income (As % Of Revenues) | % | -0.227 | ||
| Other Income (As % Of Revenues) | % | 1.02 | ||
| Staff Cost (As % Of Total Cost) | % | 34.4 | ||
| Equity (As % Of Assets) | % | 98.2 | ||
| Loans (As % Of Deposits) | % | 0 | ||
| Loans (As % Assets) | % | 0 |
| other data | Unit | Dec 2023 | Mar 2024 | Jun 2024 |
| Branches | 1.00 | |||
| Employees | 17.0 | |||
| Employees Per Bank Branch | 17.0 | |||
| Cost Per Employee | USD per month | 34,808 | ||
| Cost Per Employee (Local Currency) | CZK per month | 799,445 |
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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