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Profi Credit Czech

Created with Highcharts 6.0.4Sales and Profits (CZK mil)Total RevenuesNet Profit20002001200220032004200520062007200820092010201120122013201420152016201720180500100015002000-1000100200300

Profi Credit's net interest margin rose 9.46% to 24.7% in 2018

By Helgi Library - August 28, 2019

Profi Credit Czech's net interest margin amounted to 24.7% in 2018, up from 22.6% compared to the previous year. Historica...

Profi Credit's net interest margin rose 9.46% to 24.7% in 2018

By Helgi Library - August 28, 2019

Profi Credit Czech's net interest margin amounted to 24.7% in 2018, up from 22.6% compared to the previous year. Historica...

Profi Credit's net profit rose 21.7% to CZK 226 mil in 2018

By Helgi Library - August 28, 2019

Profi Credit Czech made a net profit of CZK 226 mil under revenues of CZK 965 mil in 2018, up 21.7% and 3.38% respectively compared t...

Profit Statement 2016 2017 2018
Net Interest Income CZK mil 882 885 906
Net Fee Income CZK mil 0 0 0
Other Income CZK mil 46.6 49.0 59.3
Total Revenues CZK mil 929 934 965
Staff Cost CZK mil 161 182 231
Operating Profit CZK mil 398 402 649
Provisions CZK mil 227 188 320
Net Profit CZK mil 174 186 226
Balance Sheet 2016 2017 2018
Interbank Loans CZK mil 30.6 47.8 29.5
Customer Loans CZK mil 3,921 3,642 3,436
Total Assets CZK mil 4,059 3,783 3,554
Shareholders' Equity CZK mil 1,559 1,669 1,645
Interbank Borrowing CZK mil 1,395 561 306
Customer Deposits CZK mil 0 0 0
Issued Debt Securities CZK mil 446 688 909
Ratios 2016 2017 2018
ROE % 11.6 11.5 13.6
ROA % 4.22 4.74 6.16
Costs (As % Of Assets) % 12.9 13.6 8.63
Costs (As % Of Income) % 57.2 56.9 32.8
Net Interest Margin % 21.4 22.6 24.7
NPLs (As % Of Loans) % 73.2 71.3 72.2
Provisions (As % Of NPLs) % 80.2 84.2 84.2
Growth Rates 2016 2017 2018
Total Revenue Growth % 6.95 0.565 3.38
Operating Cost Growth % 4.11 0.133 -40.5
Operating Profit Growth % 11.0 1.14 61.3
Net Profit Growth % 13.1 6.76 21.7
Customer Loan Growth % -2.61 -7.11 -5.64
Total Asset Growth % -3.10 -6.79 -6.07
Shareholders' Equity Growth % 8.64 7.10 -1.43
Employees 228 252 289

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