By Helgi Library - December 12, 2019
Provident Financial Czech Republic's customer loans reached CZK 1,888 mil in 2018, down 21.2% compared to the previous year. Cz...
By Helgi Library - December 12, 2019
Provident Financial Czech Republic's customer loans reached CZK 1,888 mil in 2018, down 21.2% compared to the previous year. Cz...
By Helgi Library - August 28, 2019
Provident Financial Czech Republic made a net profit of CZK 157 mil under revenues of CZK 1,395 mil in 2018, up -17.6% and 0.315% res...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | CZK mil | 1,893 | 1,390 | 1,395 |
| Net Fee Income | CZK mil | 0 | 0 | 0 |
| Other Income | CZK mil | 0 | 0 | 0 |
| Total Revenues | CZK mil | 1,893 | 1,390 | 1,395 |
| Staff Cost | CZK mil | 445 | 446 | 450 |
| Operating Profit | CZK mil | 705 | 276 | 218 |
| Provisions | CZK mil | 312 | 29.8 | -66.1 |
| Net Profit | CZK mil | 225 | 191 | 157 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | CZK mil | 55.1 | 138 | 129 |
| Customer Loans | CZK mil | 2,695 | 2,396 | 1,888 |
| Total Assets | CZK mil | 3,273 | 3,047 | 2,407 |
| Shareholders' Equity | CZK mil | 1,177 | 1,368 | 1,012 |
| Interbank Borrowing | CZK mil | 1,845 | 1,379 | 1,009 |
| Customer Deposits | CZK mil | 0 | 0 | 0 |
| Issued Debt Securities | CZK mil | 0 | 258 | 332 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 18.9 | 15.0 | 13.2 |
| ROA | % | 6.38 | 6.05 | 5.78 |
| Costs (As % Of Assets) | % | 33.8 | 35.3 | 43.2 |
| Costs (As % Of Income) | % | 62.8 | 80.2 | 84.4 |
| Net Interest Margin | % | 53.8 | 44.0 | 51.1 |
| NPLs (As % Of Loans) | % | 40.9 | 40.2 | 36.0 |
| Provisions (As % Of NPLs) | % | 100 | 97.3 | 96.3 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | -20.7 | -26.6 | 0.315 |
| Operating Cost Growth | % | -5.14 | -6.25 | 5.63 |
| Operating Profit Growth | % | -37.9 | -60.8 | -21.1 |
| Net Profit Growth | % | -45.3 | -15.0 | -17.6 |
| Customer Loan Growth | % | -14.3 | -11.1 | -21.2 |
| Total Asset Growth | % | -13.1 | -6.90 | -21.0 |
| Shareholders' Equity Growth | % | -2.11 | 16.2 | -26.0 |
| Employees | 518 | 463 | 443 | |
Get all company financials in excel:
| summary | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | 2,866 | 2,956 | 2,100 | 2,388 | 1,893 | |||||
| Total Revenues | CZK mil | ... | ... | ... | ... | 2,866 | 2,956 | 2,100 | 2,388 | 1,893 | |||||
| Operating Profit | CZK mil | ... | ... | ... | ... | 1,033 | 1,077 | 865 | 1,135 | 705 | |||||
| Net Profit | CZK mil | ... | ... | ... | ... | 313 | 386 | 338 | 411 | 225 | |||||
| balance sheet | |||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | 80.3 | 86.5 | 123 | 185 | 55.1 | |||||
| Customer Loans | CZK mil | ... | ... | ... | ... | 5,301 | 5,369 | 5,308 | 3,143 | 2,695 | |||||
| Total Assets | CZK mil | ... | ... | ... | ... | 5,851 | 6,576 | 6,178 | 3,768 | 3,273 | |||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | 2,188 | 1,375 | 813 | 1,202 | 1,177 | |||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | 1,399 | 2,380 | 2,881 | 2,212 | 1,845 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| ratios | |||||||||||||||
| ROE | % | ... | ... | ... | ... | 12.8 | 21.7 | 30.9 | 40.7 | 18.9 | |||||
| ROA | % | ... | ... | ... | ... | 5.33 | 6.22 | 5.30 | 8.26 | 6.38 | |||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | 31.2 | 30.2 | 19.4 | 25.2 | 33.8 | |||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | 64.0 | 63.6 | 58.8 | 52.5 | 62.8 | |||||
| Net Interest Margin | % | ... | ... | ... | ... | 48.8 | 47.6 | 32.9 | 48.0 | 53.8 | |||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | 100 | 100 | 100 | 100 | 100 | |||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 26.5 | 26.4 | 40.9 | 37.1 | 37.5 | |||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | 37.4 | 20.9 | 13.2 | 31.9 | 36.0 | |||||
| Loans (As % Assets) | % | ... | ... | ... | ... | 90.6 | 81.7 | 85.9 | 83.4 | 82.3 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 45.8 | 47.2 | 51.1 | 41.9 | 40.9 | |||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 70.3 | 74.8 | 75.9 | 100 | 100 | |||||
| valuation | |||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | -3.73 | 3.17 | -29.0 | 13.7 | -20.7 |
| income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | ... | 2,967 | 3,120 | 2,326 | 2,622 | 2,094 | |||||
| Interest Cost | CZK mil | ... | ... | ... | ... | 102 | 164 | 226 | 234 | 201 | |||||
| Net Interest Income | CZK mil | ... | ... | ... | ... | 2,866 | 2,956 | 2,100 | 2,388 | 1,893 | |||||
| Net Fee Income | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Other Income | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Total Revenues | CZK mil | ... | ... | ... | ... | 2,866 | 2,956 | 2,100 | 2,388 | 1,893 | |||||
| Staff Cost | CZK mil | ... | ... | ... | ... | 485 | 497 | 505 | 465 | 445 | |||||
| Depreciation | CZK mil | ... | ... | ... | ... | 41.5 | 25.4 | 23.4 | 24.4 | 22.9 | |||||
| Other Cost | CZK mil | ... | ... | ... | ... | 1,306 | 1,357 | 707 | 764 | 720 | |||||
| Operating Cost | CZK mil | ... | ... | ... | ... | 1,833 | 1,879 | 1,235 | 1,253 | 1,189 | |||||
| Operating Profit | CZK mil | ... | ... | ... | ... | 1,033 | 1,077 | 865 | 1,135 | 705 | |||||
| Provisions | CZK mil | ... | ... | ... | ... | 595 | 561 | 379 | 604 | 312 | |||||
| Extra and Other Cost | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | ... | 438 | 516 | 486 | 532 | 392 | |||||
| Tax | CZK mil | ... | ... | ... | ... | 125 | 187 | 278 | 121 | 167 | |||||
| Minorities | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | CZK mil | ... | ... | ... | ... | 313 | 386 | 338 | 411 | 225 | |||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | -3.73 | 3.17 | -29.0 | 13.7 | -20.7 | ||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | -3.73 | 3.17 | -29.0 | 13.7 | -20.7 | ||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | -10.2 | 2.53 | -34.3 | 1.45 | -5.14 | ||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | 10.3 | 4.30 | -19.7 | 31.2 | -37.9 | ||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | -49.8 | 17.8 | -5.79 | 9.35 | -26.3 | ||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | -53.4 | 23.5 | -12.5 | 21.4 | -45.3 | ||||
| market share | |||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | ... | 1.71 | 1.76 | 1.25 | 1.37 | 1.05 | ... | ||||
| Market Share in Net Profit | % | ... | ... | ... | ... | 0.486 | 0.633 | 0.536 | 0.619 | 0.306 | ... | ||||
| Market Share in Employees | % | ... | ... | 1.66 | 1.64 | 1.59 | 1.44 | 1.26 | ... |
| balance sheet | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||||||||
| Cash | CZK mil | ... | ... | ... | ... | 0.772 | 0.178 | 0.235 | 51.4 | 16.8 | |||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | 80.3 | 86.5 | 123 | 185 | 55.1 | |||||
| Customer Loans | CZK mil | ... | ... | ... | ... | 5,301 | 5,369 | 5,308 | 3,143 | 2,695 | |||||
| Fixed Assets | CZK mil | ... | ... | ... | ... | 64.9 | 58.9 | 60.9 | 58.8 | 55.1 | |||||
| Total Assets | CZK mil | ... | ... | ... | ... | 5,851 | 6,576 | 6,178 | 3,768 | 3,273 | |||||
| Shareholders' Equity | CZK mil | ... | ... | ... | ... | 2,188 | 1,375 | 813 | 1,202 | 1,177 | |||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | CZK mil | ... | ... | ... | ... | 3,663 | 5,201 | 5,365 | 2,566 | 2,096 | |||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | 1,399 | 2,380 | 2,881 | 2,212 | 1,845 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | 2,263 | 2,821 | 2,484 | 354 | 251 | |||||
| asset quality | |||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | 3,579 | 4,035 | 4,516 | 2,270 | 1,868 | |||||
| Gross Loans | CZK mil | ... | ... | ... | ... | 7,816 | 8,546 | 8,839 | 5,414 | 4,563 | |||||
| Total Provisions | CZK mil | ... | ... | ... | ... | 2,515 | 3,017 | 3,426 | 2,270 | 1,868 | |||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | ... | 0.185 | 1.28 | -1.14 | -40.8 | -14.3 | ||||
| Total Asset Growth | % | ... | ... | ... | ... | ... | -0.631 | 12.4 | -6.05 | -39.0 | -13.1 | ||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | ... | -18.4 | -37.2 | -40.9 | 47.9 | -2.11 | ||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | 0.225 | 0.214 | 0.201 | 0.113 | 0.091 | |||||
| Market Share in Total Assets | % | ... | ... | ... | ... | 0.126 | 0.126 | 0.115 | 0.068 | 0.054 | |||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||||||||
| ROE | % | ... | ... | ... | ... | 12.8 | 21.7 | 30.9 | 40.7 | 18.9 | |||||
| ROA | % | ... | ... | ... | ... | 5.33 | 6.22 | 5.30 | 8.26 | 6.38 | |||||
| Costs (As % Of Assets) | % | ... | ... | ... | ... | 31.2 | 30.2 | 19.4 | 25.2 | 33.8 | |||||
| Costs (As % Of Income) | % | ... | ... | ... | ... | 64.0 | 63.6 | 58.8 | 52.5 | 62.8 | |||||
| Net Interest Margin | % | ... | ... | ... | ... | 48.8 | 47.6 | 32.9 | 48.0 | 53.8 | |||||
| Interest Spread | % | ... | ... | ... | ... | ... | 47.6 | 46.5 | 32.2 | 46.8 | 50.9 | ||||
| Asset Yield | % | ... | ... | ... | ... | 50.6 | 50.2 | 36.5 | 52.7 | 59.5 | |||||
| Cost Of Liabilities | % | ... | ... | ... | ... | ... | 2.96 | 3.69 | 4.27 | 5.89 | 8.62 | ||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | ... | 100 | 100 | 100 | 100 | 100 | |||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 3,108 | 3,247 | 3,066 | 2,740 | 2,838 | |||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | 60,791 | 63,523 | 65,534 | 65,405 | 71,619 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | ... | 26.5 | 26.4 | 40.9 | 37.1 | 37.5 | |||||
| Equity (As % Of Assets) | % | ... | ... | ... | ... | 37.4 | 20.9 | 13.2 | 31.9 | 36.0 | |||||
| Loans (As % Assets) | % | ... | ... | ... | ... | 90.6 | 81.7 | 85.9 | 83.4 | 82.3 | |||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | 45.8 | 47.2 | 51.1 | 41.9 | 40.9 | |||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | 70.3 | 74.8 | 75.9 | 100 | 100 | |||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | 47.4 | 56.2 | 64.5 | 72.2 | 69.3 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | 11.2 | 10.5 | 7.10 | 14.3 | 10.7 |
| other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||||||||
| Employees | ... | ... | ... | ... | 665 | 652 | 642 | 592 | 518 |
Get all company financials in excel:
By Helgi Library - August 28, 2019
Provident Financial Czech Republic made a net profit of CZK 157 mil under revenues of CZK 1,395 mil in 2018, up -17.6% and 0.315% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 671 mil in 2011 and an all ti...
By Helgi Library - August 28, 2019
Provident Financial Czech Republic generated total banking revenues of CZK 1,395 mil in 2018, up 0.315% 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 2,...
By Helgi Library - August 28, 2019
Provident Financial Czech Republic generated total banking revenues of CZK 1,395 mil in 2018, up 0.315% 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 2,...
By Helgi Library - December 12, 2019
Provident Financial Czech Republic'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. Provident Financial...
By Helgi Library - December 12, 2019
Provident Financial Czech Republic'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. Provident Financial...
By Helgi Library - August 28, 2019
Provident Financial Czech Republic's net interest margin amounted to 51.1% in 2018, up from 44.0% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 53.8% in 2016 and an all time low of 0.096% in 2010. ...
By Helgi Library - August 28, 2019
Provident Financial Czech Republic's net interest margin amounted to 51.1% in 2018, up from 44.0% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 53.8% in 2016 and an all time low of 0.096% in 2010. ...
By Helgi Library - December 12, 2019
Provident Financial Czech Republic generated total banking revenues of CZK 1,390 mil in 2017, down 26.6% 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 ...
By Helgi Library - December 12, 2019
Provident Financial Czech Republic generated total banking revenues of CZK 1,390 mil in 2017, down 26.6% 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 ...
Provident Financial Czech Republic has been growing its revenues and asset by -16.4% and -13.9% a year on average in the last 3 years. Its loans and deposits have grown by -15.6% 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 15.7% in the last three years with net profit growing -27.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 84.4% in 2018, compared to 75.8% average in the last three years.
Equity represented 42.0% of total assets or 53.6% of loans at the end of 2018. Provident Financial Czech Republic's non-performing loans were 36.0% of total loans while provisions covered some 96.3% of NPLs at the end of 2018.
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