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...
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...
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 | |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||
| Net Interest Income | CZK mil | 546 | 638 | 726 | 813 | 882 | ||||||||||||||
| Total Revenues | CZK mil | 1,343 | 656 | 782 | 868 | 929 | ||||||||||||||
| Operating Profit | CZK mil | 931 | 189 | 269 | 358 | 398 | ||||||||||||||
| Net Profit | CZK mil | 127 | 94.8 | 104 | 154 | 174 | ||||||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | CZK mil | 22.8 | 44.9 | 39.4 | 32.8 | 30.6 | ||||||||||||||
| Customer Loans | CZK mil | 4,343 | 4,889 | 5,247 | 4,026 | 3,921 | ||||||||||||||
| Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Total Assets | CZK mil | 4,480 | 5,073 | 5,444 | 4,188 | 4,059 | ||||||||||||||
| Shareholders' Equity | CZK mil | 1,255 | 1,205 | 1,264 | 1,435 | 1,559 | ||||||||||||||
| Interbank Borrowing | CZK mil | 1,499 | 1,769 | 1,621 | 1,671 | 1,395 | ||||||||||||||
| Customer Deposits | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 145 | 326 | 446 | ||||||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | 10.7 | 7.71 | 8.39 | 11.4 | 11.6 | ||||||||||||||
| ROA | % | 2.97 | 1.98 | 1.97 | 3.19 | 4.22 | ||||||||||||||
| Costs (As % Of Assets) | % | 9.61 | 9.77 | 9.74 | 10.6 | 12.9 | ||||||||||||||
| Costs (As % Of Income) | % | 30.7 | 71.1 | 65.5 | 58.7 | 57.2 | ||||||||||||||
| Net Interest Margin | % | 12.7 | 13.4 | 13.8 | 16.9 | 21.4 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 40.7 | 97.2 | 92.9 | 93.6 | 95.0 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 34.2 | 30.8 | 29.8 | 31.7 | 30.2 | ||||||||||||||
| Equity (As % Of Assets) | % | 28.0 | 23.8 | 23.2 | 34.3 | 38.4 | ||||||||||||||
| Loans (As % Assets) | % | 96.9 | 96.4 | 96.4 | 96.1 | 96.6 | ||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 68.5 | 65.6 | 66.2 | 70.1 | 73.2 | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 76.8 | 82.7 | 81.7 | 80.3 | 80.2 | |||||||||
| valuation | ||||||||||||||||||||
| Book Value Per Share Growth | % | ... | 8.70 | 16.8 | 13.9 | 11.9 | 8.54 |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||
| Interest Income | CZK mil | 810 | 937 | 1,065 | 1,140 | 1,143 | ||||||||||||||
| Interest Cost | CZK mil | 264 | 299 | 339 | 327 | 261 | ||||||||||||||
| Net Interest Income | CZK mil | 546 | 638 | 726 | 813 | 882 | ||||||||||||||
| Net Fee Income | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Other Income | CZK mil | 797 | 18.1 | 55.2 | 55.7 | 46.6 | ||||||||||||||
| Total Revenues | CZK mil | 1,343 | 656 | 782 | 868 | 929 | ||||||||||||||
| Staff Cost | CZK mil | 141 | 144 | 153 | 162 | 161 | ||||||||||||||
| Depreciation | CZK mil | 5.63 | 5.96 | 6.61 | 6.17 | 8.23 | ||||||||||||||
| Other Cost | CZK mil | 266 | 317 | 353 | 342 | 362 | ||||||||||||||
| Operating Cost | CZK mil | 412 | 466 | 512 | 510 | 531 | ||||||||||||||
| Operating Profit | CZK mil | 931 | 189 | 269 | 358 | 398 | ||||||||||||||
| Provisions | CZK mil | 754 | 33.8 | 98.5 | 179 | 227 | ||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Pre-Tax Profit | CZK mil | 177 | 156 | 171 | 179 | 171 | ||||||||||||||
| Tax | CZK mil | 49.3 | 60.8 | 67.3 | 25.4 | -2.66 | ||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Net Profit | CZK mil | 127 | 94.8 | 104 | 154 | 174 | ||||||||||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | 8.70 | 16.8 | 13.9 | 11.9 | 8.54 | |||||||||||||
| Total Revenue Growth | % | ... | -0.604 | -51.2 | 19.2 | 11.1 | 6.95 | |||||||||||||
| Operating Cost Growth | % | ... | 15.7 | 13.2 | 9.82 | -0.485 | 4.11 | |||||||||||||
| Operating Profit Growth | % | ... | -6.43 | -79.7 | 42.3 | 33.1 | 11.0 | |||||||||||||
| Pre-Tax Profit Growth | % | ... | -6.51 | -11.9 | 9.81 | 4.75 | -4.30 | |||||||||||||
| Net Profit Growth | % | ... | -12.0 | -25.5 | 9.25 | 48.5 | 13.1 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | 0.803 | 0.390 | 0.466 | 0.499 | 0.515 | ... | |||||||||||||
| Market Share in Net Profit | % | ... | ... | 0.198 | 0.155 | 0.164 | 0.232 | 0.237 | ... | |||||||||||
| Market Share in Employees | % | ... | 0.481 | 0.513 | 0.533 | 0.539 | 0.556 | ... |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||||||||||
| Cash | CZK mil | 0.470 | 0.515 | 0.480 | 0.348 | 0.598 | ||||||||||||||
| Interbank Loans | CZK mil | 22.8 | 44.9 | 39.4 | 32.8 | 30.6 | ||||||||||||||
| Customer Loans | CZK mil | 4,343 | 4,889 | 5,247 | 4,026 | 3,921 | ||||||||||||||
| Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Fixed Assets | CZK mil | 68.0 | 85.9 | 101 | 59.4 | 49.8 | ||||||||||||||
| Total Assets | CZK mil | 4,480 | 5,073 | 5,444 | 4,188 | 4,059 | ||||||||||||||
| Shareholders' Equity | CZK mil | 1,255 | 1,205 | 1,264 | 1,435 | 1,559 | ||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Liabilities | CZK mil | 3,225 | 3,868 | 4,180 | 2,754 | 2,500 | ||||||||||||||
| Interbank Borrowing | CZK mil | 1,499 | 1,769 | 1,621 | 1,671 | 1,395 | ||||||||||||||
| Customer Deposits | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 145 | 326 | 446 | ||||||||||||||
| Other Liabilities | CZK mil | 1,726 | 2,099 | 2,414 | 757 | 659 | ||||||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | 4,416 | 4,949 | 5,604 | 6,262 | 6,730 | |||||||||
| Gross Loans | CZK mil | ... | ... | 6,445 | 7,548 | 8,462 | 8,935 | 9,199 | ||||||||||||
| Total Provisions | CZK mil | ... | ... | 3,390 | 4,094 | 4,580 | 5,027 | 5,397 | ||||||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | 8.65 | 12.6 | 7.32 | -23.3 | -2.61 | |||||||||||||
| Total Asset Growth | % | ... | 9.47 | 13.2 | 7.30 | -23.1 | -3.10 | |||||||||||||
| Shareholders' Equity Growth | % | ... | 11.3 | -3.96 | 4.85 | 13.5 | 8.64 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | 0.184 | 0.194 | 0.199 | 0.145 | 0.133 | ||||||||||||||
| Market Share in Total Assets | % | 0.097 | 0.098 | 0.101 | 0.075 | 0.067 | ||||||||||||||
| Market Share in Customer Deposits | % | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||||||||
| ROE | % | 10.7 | 7.71 | 8.39 | 11.4 | 11.6 | ||||||||||||||
| ROA | % | 2.97 | 1.98 | 1.97 | 3.19 | 4.22 | ||||||||||||||
| Costs (As % Of Assets) | % | 9.61 | 9.77 | 9.74 | 10.6 | 12.9 | ||||||||||||||
| Costs (As % Of Income) | % | 30.7 | 71.1 | 65.5 | 58.7 | 57.2 | ||||||||||||||
| Net Interest Margin | % | 12.7 | 13.4 | 13.8 | 16.9 | 21.4 | ||||||||||||||
| Interest Spread | % | ... | 10.4 | 11.2 | 11.8 | 14.2 | 17.8 | |||||||||||||
| Asset Yield | % | 18.9 | 19.6 | 20.3 | 23.7 | 27.7 | ||||||||||||||
| Cost Of Liabilities | % | ... | 8.54 | 8.42 | 8.42 | 9.44 | 9.94 | |||||||||||||
| Interest Income (As % Of Revenues) | % | 40.7 | 97.2 | 92.9 | 93.6 | 95.0 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Other Income (As % Of Revenues) | % | 59.3 | 2.75 | 7.06 | 6.41 | 5.02 | ||||||||||||||
| Cost Per Employee | USD per month | ... | 3,106 | 3,001 | 2,768 | 2,541 | 2,325 | |||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | 60,745 | 58,713 | 59,159 | 60,644 | 58,669 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | 34.2 | 30.8 | 29.8 | 31.7 | 30.2 | ||||||||||||||
| Equity (As % Of Assets) | % | 28.0 | 23.8 | 23.2 | 34.3 | 38.4 | ||||||||||||||
| Loans (As % Assets) | % | 96.9 | 96.4 | 96.4 | 96.1 | 96.6 | ||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 68.5 | 65.6 | 66.2 | 70.1 | 73.2 | |||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 76.8 | 82.7 | 81.7 | 80.3 | 80.2 | |||||||||
| Provisions (As % Of Loans) | % | ... | ... | 78.1 | 83.7 | 87.3 | 125 | 138 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | 18.1 | 0.732 | 1.94 | 3.87 | 5.70 |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||||||||
| Employees | ... | 193 | 204 | 215 | 222 | 228 | ||||||||||||||
| Number of Loans Sold | '000 | ... | ... | ... | ... | ... | ... | 26.8 | 25.0 | 27.5 | 26.8 | 24.9 | ||||||||
| Origination of New Loans | CZK mil | ... | ... | ... | ... | ... | ... | 692 | 919 | 906 | 904 | 962 | ||||||||
| Average Size of New Loans | CZK | ... | ... | ... | ... | ... | ... | 25,765 | 36,786 | 32,978 | 33,715 | 38,562 |
Get all company financials in excel:
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 to the previous year. Historically, the bank’s net profit reached an all time high of CZK 226 mil in 2018 and an all time low of CZK -7...
By Helgi Library - August 28, 2019
Profi Credit Czech's non-performing loans reached 72.2% of total loans at the end of 2018, up from 71.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 73.2% in 2016 and an all time low of 32.7% in 2007. Provision coverag...
By Helgi Library - August 28, 2019
Profi Credit Czech's non-performing loans reached 72.2% of total loans at the end of 2018, up from 71.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 73.2% in 2016 and an all time low of 32.7% in 2007. Provision coverag...
By Helgi Library - December 12, 2019
Profi Credit Czech's customer loans reached CZK 3,436 mil in 2018, down 5.64% compared to the previous year. Czech banking sector provided customer loans of CZK 3,306 bil in 2018, up 7.16% when compared to the last year. Profi Credit Czech accounted for 0...
By Helgi Library - December 12, 2019
Profi Credit Czech's customer loans reached CZK 3,436 mil in 2018, down 5.64% compared to the previous year. Czech banking sector provided customer loans of CZK 3,306 bil in 2018, up 7.16% when compared to the last year. Profi Credit Czech accounted for 0...
By Helgi Library - December 12, 2019
Profi Credit Czech's customer deposits reached CZK 0 mil in 2018, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,446 bil in 2018, up 6.63% when compared to the last year. Profi Credit Czech accounted for 0%...
By Helgi Library - December 12, 2019
Profi Credit Czech's customer deposits reached CZK 0 mil in 2018, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,446 bil in 2018, up 6.63% when compared to the last year. Profi Credit Czech accounted for 0%...
By Helgi Library - August 28, 2019
Profi Credit Czech generated total banking revenues of CZK 965 mil in 2018, up 3.38% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 1,443 mil in 2008 and...
By Helgi Library - August 28, 2019
Profi Credit Czech generated total banking revenues of CZK 965 mil in 2018, up 3.38% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 1,443 mil in 2008 and...
By Helgi Library - December 12, 2019
Profi Credit Czech generated total banking revenues of CZK 934 mil in 2017, up 0.565% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 179,177 mil in 2017, down 0.560% when compared to the last year. ...
Profi Credit Czech has been growing its revenues and asset by 3.60% and -5.33% a year on average in the last 3 years. Its loans and deposits have grown by -5.14% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 12.3% in the last three years with net profit growing 13.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 32.8% in 2018, compared to 48.9% average in the last three years.
Equity represented 46.3% of total assets or 47.9% of loans at the end of 2018. Profi Credit Czech's non-performing loans were 72.2% of total loans while provisions covered some 84.2% of NPLs at the end of 2018.
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