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Profireal Group

Profireal Group's npls (as % of loans) rose 1.82% to 69.0% in 2017

By Helgi Library - August 29, 2019

Profireal Group's non-performing loans reached 69.0% of total loans at the end of 2017, up from 67.7% compared to the previous ye...

Profireal Group's npls (as % of loans) rose 1.82% to 69.0% in 2017

By Helgi Library - August 29, 2019

Profireal Group's non-performing loans reached 69.0% of total loans at the end of 2017, up from 67.7% compared to the previous ye...

Profireal Group's net profit fell 53.5% to EUR 2.25 mil in 2017

By Helgi Library - August 29, 2019

Profireal Group made a net profit of EUR 2.25 mil under revenues of EUR 111 mil in 2017, up -53.5% and 13.7% respectively compared to...

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Annual Quarterly LTM

Profit Statement		2015	2016	2017
Net Interest Income	EUR mil	127	102	107
Net Fee Income	EUR mil	-11.8	-7.04	-5.98
Other Income	EUR mil	6.33	3.16	10.3
Total Revenues	EUR mil	122	97.9	111
Staff Cost	EUR mil	21.8	20.1	29.4
Operating Profit	EUR mil	73.9	58.4	56.8
Provisions	EUR mil	49.3	50.6	53.6
Net Profit	EUR mil	34.5	4.84	2.25

Balance Sheet		2015	2016	2017
Customer Loans	EUR mil	391	363	334
Total Assets	EUR mil	423	400	450
Shareholders' Equity	EUR mil	59.1	23.4	11.0
Interbank Borrowing	EUR mil	316	328	293
Customer Deposits	EUR mil	0	0	0
Issued Debt Securities	EUR mil	12.1	16.5	26.9

Ratios		2015	2016	2017
ROE	%	82.3	11.7	13.1
ROA	%	8.68	1.18	0.530
Costs (As % Of Assets)	%	12.0	9.61	12.8
Costs (As % Of Income)	%	39.2	40.4	49.0
Net Interest Margin	%	31.9	24.8	25.2
NPLs (As % Of Loans)	%	60.1	67.7	69.0
Provisions (As % Of NPLs)	%	58.7	64.9	63.6

Growth Rates		2015	2016	2017
Total Revenue Growth	%	17.8	-19.4	13.7
Operating Cost Growth	%	23.9	-17.0	37.9
Operating Profit Growth	%	14.2	-21.0	-2.71
Net Profit Growth	%	57.8	-86.0	-53.5
Customer Loan Growth	%	14.2	-7.16	-7.85
Total Asset Growth	%	13.5	-5.40	12.6
Shareholders' Equity Growth	%	139	-60.5	-53.0
Employees		786	842	1,232

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summary
income statement
balance sheet
ratios
other data

summary	Unit	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Net Interest Income	EUR mil						52.5	60.0	79.7	106	127
Total Revenues	EUR mil						47.5	65.3	86.1	103	122
Operating Profit	EUR mil						19.7	37.0	51.9	64.7	73.9
Net Profit	EUR mil						-6.38	10.0	21.6	21.9	34.5
balance sheet
Customer Loans	EUR mil						217	259	287	342	391
Debt Securities	EUR mil						0	0	0	0	0
Total Assets	EUR mil						227	274	339	372	423
Shareholders' Equity	EUR mil						-18.5	-11.0	6.44	24.7	59.1
Interbank Borrowing	EUR mil						218	251	261	296	316
Customer Deposits	EUR mil						0	0	0	0	0
Issued Debt Securities	EUR mil						0	0	0	5.20	12.1
ratios
ROE	%						40.4	-67.8	-951	140	82.3
ROA	%						-2.88	4.00	7.05	6.15	8.68
Costs (As % Of Assets)	%						12.6	11.3	11.2	10.8	12.0
Costs (As % Of Income)	%						58.5	43.3	39.7	37.3	39.2
Net Interest Margin	%						23.7	24.0	26.0	29.8	31.9
Interest Income (As % Of Revenues)	%						111	92.0	92.6	103	104
Fee Income (As % Of Revenues)	%						-13.0	-6.19	-4.81	-8.32	-9.68
Staff Cost (As % Of Total Cost)	%						49.1	53.4	50.2	50.0	45.8
Equity (As % Of Assets)	%						-8.16	-4.01	1.90	6.63	14.0
Loans (As % Assets)	%						95.7	94.7	84.7	91.9	92.4
NPLs (As % Of Loans)	%						53.8	50.4	51.1	54.5	60.1
Provisions (As % Of NPLs)	%						56.2	62.1	64.2	61.0	58.7
valuation
Book Value Per Share Growth	%	...					10.9	14.3	32.7	32.9	19.9

income statement	Unit	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
income statement
Interest Income	EUR mil						85.4	91.7	117	147	174
Interest Cost	EUR mil						32.9	31.7	36.8	41.4	47.2
Net Interest Income	EUR mil						52.5	60.0	79.7	106	127
Net Fee Income	EUR mil						-6.20	-4.04	-4.14	-8.58	-11.8
Other Income	EUR mil						1.20	9.28	10.5	5.84	6.33
Total Revenues	EUR mil						47.5	65.3	86.1	103	122
Staff Cost	EUR mil						13.7	15.1	17.2	19.2	21.8
Depreciation	EUR mil						0.879	0.865	1.10	1.18	1.38
Other Cost	EUR mil						13.3	12.3	15.9	18.0	24.4
Operating Cost	EUR mil						27.8	28.2	34.2	38.4	47.6
Operating Profit	EUR mil						19.7	37.0	51.9	64.7	73.9
Provisions	EUR mil						23.8	24.4	27.8	33.1	49.3
Extra and Other Cost	EUR mil						< 0.001	0.090	-1.04	1.32	1.16
Pre-Tax Profit	EUR mil						-4.11	12.5	25.1	30.3	23.5
Tax	EUR mil						2.27	2.51	3.49	8.49	11.0
Minorities	EUR mil						0	0	0	0	0
Net Profit	EUR mil						-6.38	10.0	21.6	21.9	34.5
growth rates
Net Interest Income Growth	%	...					10.9	14.3	32.7	32.9	19.9
Net Fee Income Growth	%	...					2.41	-34.8	2.42	107	37.2
Total Revenue Growth	%	...					3.42	37.3	31.9	19.8	17.8
Operating Cost Growth	%	...					18.3	1.46	21.2	12.3	23.9
Operating Profit Growth	%	...					-12.2	88.0	40.1	24.8	14.2
Pre-Tax Profit Growth	%	...					-8.73	-405	101	20.9	-22.5
Net Profit Growth	%	...					-26.1	-257	116	1.14	57.8
market share
Market Share in Net Profit	%						-0.012	0.016	0.035	0.035	0.052

balance sheet	Unit	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
balance sheet
Cash	EUR mil						3.07	2.92	3.96	6.50	4.34
Customer Loans	EUR mil						217	259	287	342	391
Retail Loans	EUR mil						213	251	266	320	365
Corporate Loans	EUR mil						4.16	8.54	21.3	22.1	25.7
Debt Securities	EUR mil						0	0	0	0	0
Fixed Assets	EUR mil						3.29	4.52	5.58	6.55	5.91
Total Assets	EUR mil						227	274	339	372	423
Shareholders' Equity	EUR mil						-18.5	-11.0	6.44	24.7	59.1
Of Which Minority Interest	EUR mil						0	0	0	-0.105	0
Liabilities	EUR mil						245	285	332	348	364
Interbank Borrowing	EUR mil						218	251	261	296	316
Customer Deposits	EUR mil						0	0	0	0	0
Issued Debt Securities	EUR mil						0	0	0	5.20	12.1
Other Liabilities	EUR mil						26.8	33.8	71.7	46.1	35.8
asset quality
Non-Performing Loans	EUR mil						167	190	218	280	363
Gross Loans	EUR mil						311	378	427	513	604
Total Provisions	EUR mil						94.1	118	140	171	213
growth rates
Customer Loan Growth	%	...					4.88	19.6	10.6	19.2	14.2
Retail Loan Growth	%	...					4.89	17.9	5.91	20.4	14.0
Corporate Loan Growth	%	...					4.47	105	149	4.08	16.3
Total Asset Growth	%	...					4.76	20.9	23.6	9.92	13.5
Shareholders' Equity Growth	%	...					41.8	-40.6	-159	283	139

ratios	Unit	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
ratios
ROE	%						40.4	-67.8	-951	140	82.3
ROA	%						-2.88	4.00	7.05	6.15	8.68
Costs (As % Of Assets)	%						12.6	11.3	11.2	10.8	12.0
Costs (As % Of Income)	%						58.5	43.3	39.7	37.3	39.2
Net Interest Margin	%						23.7	24.0	26.0	29.8	31.9
Interest Spread	%	...					24.7	24.7	26.1	29.3	30.5
Asset Yield	%						38.6	36.6	38.0	41.4	43.8
Cost Of Liabilities	%	...					13.9	11.9	11.9	12.2	13.3
Interest Income (As % Of Revenues)	%						111	92.0	92.6	103	104
Fee Income (As % Of Revenues)	%						-13.0	-6.19	-4.81	-8.32	-9.68
Other Income (As % Of Revenues)	%						2.52	14.2	12.2	5.66	5.21
Cost Per Employee	USD per month						2,617	2,483	2,511	2,749	2,650
Cost Per Employee (Local Currency)	EUR per month						1,882	1,932	1,892	2,132	2,312
Staff Cost (As % Of Total Cost)	%						49.1	53.4	50.2	50.0	45.8
Equity (As % Of Assets)	%						-8.16	-4.01	1.90	6.63	14.0
Loans (As % Assets)	%						95.7	94.7	84.7	91.9	92.4
NPLs (As % Of Loans)	%						53.8	50.4	51.1	54.5	60.1
Provisions (As % Of NPLs)	%						56.2	62.1	64.2	61.0	58.7
Provisions (As % Of Loans)	%						43.4	45.6	48.7	49.9	54.5
Cost of Provisions (As % Of Loans)	%						11.2	10.3	10.2	10.5	13.4

other data	Unit	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017
other data
Employees							605	650	756	751	786
Loans from Czechia	EUR mil						116	120	101	107	111
Loans from Slovakia	EUR mil						53.5	70.6	83.0	102	108
Loans from Poland	EUR mil						32.4	48.5	77.7	103	137
Loans from Bulgaria	EUR mil						14.7	20.1	25.7	31.1	34.9
Loans from Russia	EUR mil						0	0	0	0	0
Loans from Philippines	EUR mil						0	0	0	0	0
Loans from Czechia (As % of Total)	%						53.6	46.3	35.1	31.2	28.4
Loans from Slovakia (As % of Total)	%						24.7	27.2	28.9	29.7	27.5
Loans from Poland (As % of Total)	%						14.9	18.7	27.1	30.0	35.1
Loans from Bulgaria (As % of Total)	%						6.78	7.75	8.95	9.09	8.94
Loans from Russia (As % of Total)	%						0	0	0	0	0
Loans from Philippines (As % of Total)	%						0	0	0	0	0

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Profireal Group in Numbers
Annual (2006 - 2017)

Aug 2019

Statistical Dossier

$19.99

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More Charts

Profireal Group's net profit fell 53.5% to EUR 2.25 mil in 2017

By Helgi Library - August 29, 2019

Profireal Group made a net profit of EUR 2.25 mil under revenues of EUR 111 mil in 2017, up -53.5% and 13.7% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 34.5 mil in 2015 and an all time low of EUR -8...

Profireal Group's net interest margin rose 1.73% to 25.2% in 2017

By Helgi Library - August 29, 2019

Profireal Group's net interest margin amounted to 25.2% in 2017, up from 24.8% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 31.9% in 2015 and an all time low of 22.6% in 2010. The average margin...

Profireal Group's net interest margin rose 1.73% to 25.2% in 2017

By Helgi Library - August 29, 2019

Profireal Group's net interest income rose 5.13% to EUR 107 mil in 2017

By Helgi Library - August 29, 2019

Profireal Group generated total banking revenues of EUR 111 mil in 2017, up 13.7% 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 EUR 122 mil in 2015 and an a...

Profireal Group's net interest income rose 5.13% to EUR 107 mil in 2017

By Helgi Library - August 29, 2019

More News

Finance

Profireal Group has been growing its revenues and asset by 2.57% and 6.54% a year on average in the last 3 years. Its loans and deposits have grown by -0.779% and % a year during that time and loans to deposits ratio reached at the end of 2017. The company achieved an average return on equity of 35.7% in the last three years with net profit growing -53.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 49.0% in 2017, compared to 42.8% average in the last three years.

Equity represented 2.44% of total assets or 3.29% of loans at the end of 2017. Profireal Group's non-performing loans were 69.0% of total loans while provisions covered some 63.6% of NPLs at the end of 2017.

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