By Helgi Library - September 28, 2021
Wustenrot Group made a net profit of CZK 604 mil under revenues of CZK 1,542 mil in 2020, up 6.04% and -2.40% respectively compared t...
By Helgi Library - September 28, 2021
Wustenrot Group made a net profit of CZK 604 mil under revenues of CZK 1,542 mil in 2020, up 6.04% and -2.40% respectively compared t...
By Helgi Library - September 28, 2021
Wustenrot Group made a net profit of CZK 604 mil in 2020, up 6.04% compared to the previous year. This implies a return on equit...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 1,187 | 1,208 | 1,014 |
| Net Fee Income | CZK mil | 149 | 107 | 107 |
| Other Income | CZK mil | 189 | 265 | 421 |
| Total Revenues | CZK mil | 1,525 | 1,580 | 1,542 |
| Staff Cost | CZK mil | 299 | 337 | 289 |
| Operating Profit | CZK mil | 603 | 614 | 718 |
| Provisions | CZK mil | 128 | -91.0 | -36.0 |
| Net Profit | CZK mil | 420 | 570 | 604 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 3,608 | 6,705 | 8,820 |
| Customer Loans | CZK mil | 50,888 | 56,025 | 55,591 |
| Investments | CZK mil | 14,458 | 14,042 | 7,316 |
| Total Assets | CZK mil | 72,644 | 77,844 | 73,292 |
| Shareholders' Equity | CZK mil | 5,435 | 5,376 | 5,094 |
| Interbank Borrowing | CZK mil | 1,050 | 688 | 4,009 |
| Customer Deposits | CZK mil | 48,475 | 55,476 | 53,567 |
| Issued Debt Securities | CZK mil | 16,638 | 15,438 | 10,018 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 7.61 | 10.5 | 11.5 |
| ROA | % | 0.591 | 0.757 | 0.799 |
| Costs (As % Of Assets) | % | 1.30 | 1.28 | 1.09 |
| Costs (As % Of Income) | % | 60.5 | 61.2 | 53.4 |
| Net Interest Margin | % | 1.67 | 1.61 | 1.34 |
| Loans (As % Of Deposits) | % | 105 | 101 | 104 |
| NPLs (As % Of Loans) | % | 4.05 | 2.22 | 2.18 |
| Provisions (As % Of NPLs) | % | 69.1 | 101 | 47.8 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 203 | 201 | 213 |
| Number Of Shares | mil | 1.00 | 1.00 | 1.00 |
| Share Price | CZK | 4,550 | 4,550 | 4,550 |
| Price/Earnings (P/E) | 10.8 | 7.99 | 7.53 | |
| Price/Book Value (P/BV) | 0.837 | 0.846 | 0.893 | |
| Earnings Per Share (EPS) | CZK | 420 | 570 | 604 |
| Book Value Per Share | CZK | 5,435 | 5,376 | 5,094 |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||
| Net Interest Income | CZK mil | 960 | 1,107 | 1,078 | 1,075 | 1,187 | ||||||||||||
| Total Revenues | CZK mil | 1,196 | 1,302 | 1,480 | 1,480 | 1,525 | ||||||||||||
| Operating Profit | CZK mil | 505 | 546 | 660 | 687 | 603 | ||||||||||||
| Net Profit | CZK mil | 309 | 340 | 405 | 415 | 420 | ||||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | CZK mil | 2,830 | 1,973 | 574 | 2,626 | 3,608 | ||||||||||||
| Customer Loans | CZK mil | 46,790 | 47,786 | 48,551 | 49,578 | 50,888 | ||||||||||||
| Investments | CZK mil | 12,397 | 11,385 | 12,630 | 12,624 | 14,458 | ||||||||||||
| Total Assets | CZK mil | 66,473 | 64,773 | 67,523 | 69,723 | 72,644 | ||||||||||||
| Shareholders' Equity | CZK mil | 4,749 | 5,141 | 5,511 | 5,612 | 5,435 | ||||||||||||
| Interbank Borrowing | CZK mil | 322 | 1,903 | 511 | 1,360 | 1,050 | ||||||||||||
| Customer Deposits | CZK mil | 53,241 | 48,454 | 49,494 | 48,955 | 48,475 | ||||||||||||
| Issued Debt Securities | CZK mil | 7,762 | 8,832 | 11,550 | 12,649 | 16,638 | ||||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | 6.76 | 6.88 | 7.60 | 7.47 | 7.61 | |||||||||||
| ROA | % | ... | 0.460 | 0.518 | 0.612 | 0.605 | 0.591 | |||||||||||
| Costs (As % Of Assets) | % | ... | 1.03 | 1.15 | 1.24 | 1.16 | 1.30 | |||||||||||
| Costs (As % Of Income) | % | 57.8 | 58.1 | 55.4 | 53.6 | 60.5 | ||||||||||||
| Net Interest Margin | % | ... | 1.43 | 1.69 | 1.63 | 1.57 | 1.67 | |||||||||||
| Interest Income (As % Of Revenues) | % | 80.3 | 85.0 | 72.8 | 72.7 | 77.8 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 16.4 | 12.9 | 11.5 | 12.2 | 9.79 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.0 | 36.5 | 31.0 | 34.2 | 32.4 | ||||||||||||
| Equity (As % Of Assets) | % | 7.14 | 7.94 | 8.16 | 8.05 | 7.48 | ||||||||||||
| Loans (As % Of Deposits) | % | 87.9 | 98.6 | 98.1 | 101 | 105 | ||||||||||||
| Loans (As % Assets) | % | 70.4 | 73.8 | 71.9 | 71.1 | 70.1 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 3.88 | 3.40 | 3.72 | 3.09 | 4.05 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 46.9 | 56.5 | 58.2 | 76.5 | 69.1 | ||||||||||
| valuation | ||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 183 | 177 | 214 | 203 | ||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.00 | 1.00 | 1.00 | 1.00 | ||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,550 | 4,550 | 4,550 | 4,550 | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 340 | 405 | 415 | 420 | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,141 | 5,511 | 5,612 | 5,435 | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.4 | 11.2 | 11.0 | 10.8 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.885 | 0.826 | 0.811 | 0.837 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.1 | 2.58 | 1.20 | ||
| Book Value Per Share Growth | % | ... | 1.27 | 15.3 | 7.20 | 1.84 | -3.17 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||
| Interest Income | CZK mil | 2,382 | 2,230 | 2,083 | 1,997 | 2,084 | ||||||||||||
| Interest Cost | CZK mil | 1,422 | 1,123 | 1,005 | 922 | 897 | ||||||||||||
| Net Interest Income | CZK mil | 960 | 1,107 | 1,078 | 1,075 | 1,187 | ||||||||||||
| Net Fee Income | CZK mil | 196 | 168 | 170 | 180 | 149 | ||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Other Income | CZK mil | 40.0 | 27.0 | 232 | 225 | 189 | ||||||||||||
| Total Revenues | CZK mil | 1,196 | 1,302 | 1,480 | 1,480 | 1,525 | ||||||||||||
| Staff Cost | CZK mil | 249 | 276 | 254 | 272 | 299 | ||||||||||||
| Depreciation | CZK mil | 68.0 | 104 | 80.0 | 84.6 | 80.1 | ||||||||||||
| Other Cost | CZK mil | 374 | 376 | 486 | 437 | 543 | ||||||||||||
| Operating Cost | CZK mil | 691 | 756 | 820 | 793 | 922 | ||||||||||||
| Operating Profit | CZK mil | 505 | 546 | 660 | 687 | 603 | ||||||||||||
| Provisions | CZK mil | 121 | 121 | 156 | 175 | 128 | ||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | -0.411 | 0 | ||||||||||||
| Pre-Tax Profit | CZK mil | 384 | 425 | 504 | 512 | 475 | ||||||||||||
| Tax | CZK mil | 75.0 | 85.0 | 99.0 | 96.9 | 54.5 | ||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Net Profit | CZK mil | 309 | 340 | 405 | 415 | 420 | ||||||||||||
| Net Profit Avail. to Common | CZK mil | 309 | 340 | 405 | 415 | 420 | ||||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | 1.27 | 15.3 | -2.62 | -0.248 | 10.4 | |||||||||||
| Net Fee Income Growth | % | ... | -37.4 | -14.3 | 1.19 | 5.85 | -17.0 | |||||||||||
| Total Revenue Growth | % | ... | -6.78 | 8.86 | 13.7 | 0.002 | 3.06 | |||||||||||
| Operating Cost Growth | % | ... | 0 | 9.41 | 8.47 | -3.29 | 16.3 | |||||||||||
| Operating Profit Growth | % | ... | -14.7 | 8.12 | 20.9 | 4.09 | -12.2 | |||||||||||
| Pre-Tax Profit Growth | % | ... | -24.1 | 10.7 | 18.6 | 1.62 | -7.27 | |||||||||||
| Net Profit Growth | % | ... | -23.3 | 10.0 | 19.1 | 2.58 | 1.20 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | 0.712 | 0.748 | 0.821 | 0.826 | 0.801 | ||||||||||||
| Market Share in Net Profit | % | 0.494 | 0.520 | 0.552 | 0.562 | 0.524 | ||||||||||||
| Market Share in Employees | % | 0.875 | 0.666 | 0.697 | 0.695 | 0.733 | ||||||||||||
| Market Share in Branches | % | 0.090 | 0.092 | 0.098 | 0.103 | 0.102 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | ||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 3,588 | 2,916 | 5,037 | 843 | 543 | ||||||||||||
| Interbank Loans | CZK mil | 2,830 | 1,973 | 574 | 2,626 | 3,608 | ||||||||||||
| Customer Loans | CZK mil | 46,790 | 47,786 | 48,551 | 49,578 | 50,888 | ||||||||||||
| Retail Loans | CZK mil | 41,610 | 45,168 | 46,393 | 47,794 | 50,440 | ||||||||||||
| Mortgage Loans | CZK mil | 41,610 | 45,168 | 46,393 | 46,394 | 48,879 | ||||||||||||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 1,400 | 1,561 | ||||||||||||
| Corporate Loans | CZK mil | 2,992 | 2,566 | 2,127 | 2,114 | 1,912 | ||||||||||||
| Investments | CZK mil | 12,397 | 11,385 | 12,630 | 12,624 | 14,458 | ||||||||||||
| Property and Equipment | CZK mil | 128 | 98.0 | 86.0 | 40.0 | 33.0 | ||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 151 | 147 | 141 | 118 | 103 | ||
| Total Assets | CZK mil | 66,473 | 64,773 | 67,523 | 69,723 | 72,644 | ||||||||||||
| Shareholders' Equity | CZK mil | 4,749 | 5,141 | 5,511 | 5,612 | 5,435 | ||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Liabilities | CZK mil | 61,724 | 59,632 | 62,012 | 64,110 | 67,209 | ||||||||||||
| Interbank Borrowing | CZK mil | 322 | 1,903 | 511 | 1,360 | 1,050 | ||||||||||||
| Customer Deposits | CZK mil | 53,241 | 48,454 | 49,494 | 48,955 | 48,475 | ||||||||||||
| Retail Deposits | CZK mil | 51,902 | 47,221 | 48,046 | 48,430 | 48,035 | ||||||||||||
| Corporate Deposits | CZK mil | 773 | 653 | 600 | 513 | 440 | ||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Issued Debt Securities | CZK mil | 7,762 | 8,832 | 11,550 | 12,649 | 16,638 | ||||||||||||
| Other Liabilities | CZK mil | 399 | 443 | 457 | 1,146 | 1,047 | ||||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 1,849 | 1,657 | 1,845 | 1,569 | 2,119 | ||||||||||
| Gross Loans | CZK mil | 47,657 | 48,722 | 49,625 | 50,769 | 52,352 | ||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28,983 | 29,375 | 28,600 | 29,625 | 32,057 | ||
| Total Provisions | CZK mil | ... | ... | 867 | 936 | 1,074 | 1,200 | 1,464 | ||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | -1.69 | 2.13 | 1.60 | 2.12 | 2.64 | |||||||||||
| Retail Loan Growth | % | ... | -8.52 | 8.55 | 2.71 | 3.02 | 5.54 | |||||||||||
| Mortgage Loan Growth | % | ... | -8.52 | 8.55 | 2.71 | 0.002 | 5.36 | |||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.5 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -14.2 | -17.1 | -0.626 | -9.56 | ||
| Total Asset Growth | % | ... | -2.23 | -2.56 | 4.25 | 3.26 | 4.19 | |||||||||||
| Shareholders' Equity Growth | % | ... | 8.25 | 8.25 | 7.20 | 1.84 | -3.17 | |||||||||||
| Customer Deposit Growth | % | ... | -3.03 | -8.99 | 2.15 | -1.09 | -0.980 | |||||||||||
| Retail Deposit Growth | % | ... | -5.47 | -9.02 | 1.75 | 0.800 | -0.816 | |||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -15.5 | -8.14 | -14.4 | -14.2 | ||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 1.78 | 1.72 | 1.65 | 1.61 | 1.54 | ||||||||||||
| Market Share in Corporate Loans | % | 0.342 | 0.279 | 0.218 | 0.207 | 0.177 | ||||||||||||
| Market Share in Retail Loans | % | 3.39 | 3.42 | 3.27 | 3.13 | 3.07 | ||||||||||||
| Market Share in Consumer Loans | % | 0 | 0 | 0 | 0.369 | 0.393 | ||||||||||||
| Market Share in Mortgage Loans | % | 4.62 | 4.65 | 4.40 | 4.04 | 3.92 | ||||||||||||
| Market Share in Total Assets | % | ... | ... | ... | 1.25 | 1.18 | 1.13 | 0.996 | 0.998 | |||||||||
| Market Share in Customer Deposits | % | 1.55 | 1.38 | 1.31 | 1.17 | 1.09 | ||||||||||||
| Market Share in Retail Deposits | % | 2.70 | 2.32 | 2.17 | 2.04 | 1.88 | ||||||||||||
| Market Share in Corporate Deposits | % | 0.092 | 0.071 | 0.065 | 0.052 | 0.042 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | 6.76 | 6.88 | 7.60 | 7.47 | 7.61 | |||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.09 | 7.82 | 7.65 | 7.77 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.77 | 9.31 | 9.51 | 9.09 | ||
| ROA | % | ... | 0.460 | 0.518 | 0.612 | 0.605 | 0.591 | |||||||||||
| Return on Loans | % | 0.655 | 0.719 | 0.841 | 0.847 | 0.837 | ||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.87 | 2.28 | 2.36 | 1.96 | ||
| Costs (As % Of Assets) | % | ... | 1.03 | 1.15 | 1.24 | 1.16 | 1.30 | |||||||||||
| Costs (As % Of Income) | % | 57.8 | 58.1 | 55.4 | 53.6 | 60.5 | ||||||||||||
| Costs (As % Of Loans) | % | ... | 1.46 | 1.60 | 1.70 | 1.62 | 1.84 | |||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.682 | 0.770 | 0.844 | 0.807 | 0.932 | |||||||||||
| Net Interest Margin | % | ... | 1.43 | 1.69 | 1.63 | 1.57 | 1.67 | |||||||||||
| Interest Spread | % | ... | 1.27 | 1.55 | 1.50 | 1.45 | 1.56 | |||||||||||
| Asset Yield | % | ... | 3.54 | 3.40 | 3.15 | 2.91 | 2.93 | |||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.46 | 5.11 | 5.08 | 4.95 | ||
| Cost Of Liabilities | % | ... | 2.27 | 1.85 | 1.65 | 1.46 | 1.37 | |||||||||||
| Interest Income (As % Of Revenues) | % | 80.3 | 85.0 | 72.8 | 72.7 | 77.8 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 16.4 | 12.9 | 11.5 | 12.2 | 9.79 | ||||||||||||
| Other Income (As % Of Revenues) | % | 3.34 | 2.07 | 15.7 | 15.2 | 12.4 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.0 | 36.5 | 31.0 | 34.2 | 32.4 | ||||||||||||
| Equity (As % Of Assets) | % | 7.14 | 7.94 | 8.16 | 8.05 | 7.48 | ||||||||||||
| Equity (As % Of Loans) | % | 10.1 | 10.8 | 11.4 | 11.3 | 10.7 | ||||||||||||
| Loans (As % Of Deposits) | % | 87.9 | 98.6 | 98.1 | 101 | 105 | ||||||||||||
| Loans (As % Assets) | % | 70.4 | 73.8 | 71.9 | 71.1 | 70.1 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 3.88 | 3.40 | 3.72 | 3.09 | 4.05 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 46.9 | 56.5 | 58.2 | 76.5 | 69.1 | ||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 1.85 | 1.96 | 2.21 | 2.42 | 2.88 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.256 | 0.256 | 0.324 | 0.357 | 0.255 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Employees | 353 | 274 | 286 | 291 | 307 | |||||||||||||
| Employees Per Bank Branch | 177 | 137 | 143 | 146 | 154 | |||||||||||||
| Cost Per Employee | USD per month | 2,750 | 3,514 | 2,933 | 3,314 | 3,710 | ||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 58,782 | 83,873 | 74,009 | 77,771 | 81,163 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | ... | 0.454 | 0.425 | 0.413 | 0.404 | 0.393 | ||||||||
| Number of Accounts | mil | ... | ... | ... | ... | 0.438 | 0.405 | 0.393 | 0.384 | 0.372 | ||||||||
| Number of Mortgages | mil | ... | ... | ... | ... | 0.074 | 0.075 | 0.074 | 0.072 | 0.072 | ||||||||
| Average Size of Deposit | CZK | ... | ... | ... | ... | 121,685 | 119,580 | 126,073 | 127,492 | 130,408 | ||||||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | 560,477 | 603,437 | 628,478 | 641,324 | 677,847 | ||||||||
| Accounts (As % of Total Clients) | % | ... | ... | ... | ... | 96.4 | 95.4 | 95.1 | 95.0 | 94.5 | ||||||||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | 16.4 | 17.6 | 17.9 | 17.9 | 18.3 | ||||||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,707 | 11,025 | 11,257 | 11,565 | ||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | 2,634 | 3,064 | 3,586 | 3,662 | 3,877 | ||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | 681 | 800 | 981 | 1,028 | 1,069 | ||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | 103,050 | 112,451 | 117,644 | 122,660 | 129,345 | ||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | 117,258 | 114,023 | 119,929 | 121,119 | 123,213 | ||||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 431 | 430 | 529 | 515 | ||
| Revenue per Customer | USD | ... | ... | ... | ... | 123 | 128 | 142 | 156 | 177 | ||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | 31.8 | 33.5 | 38.9 | 43.8 | 48.8 | ||||||||
| Loan per Customer | USD | ... | ... | ... | ... | 4,497 | 4,530 | 4,588 | 5,761 | 5,757 | ||||||||
| Deposit per Customer | USD | ... | ... | ... | ... | 5,117 | 4,593 | 4,678 | 5,689 | 5,484 |
Get all company financials in excel:
By Helgi Library - September 28, 2021
Wustenrot Group made a net profit of CZK 604 mil in 2020, up 6.04% compared to the previous year. This implies a return on equity of 11.5%. Historically, the bank’s net profit reached an all time high of CZK 604 mil in 2020 and an all time low of CZK 121 mi...
By Helgi Library - September 28, 2021
Wustenrot Group employed 135 persons in 2020, down 56.0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 378 persons in 2012 and an all time low of 135 in 2020. Average cost reached USD 8,107 per month per employee, ...
By Helgi Library - September 28, 2021
Wustenrot Group employed 135 persons in 2020, down 56.0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 378 persons in 2012 and an all time low of 135 in 2020. Average cost reached USD 8,107 per month per employee, ...
By Helgi Library - September 28, 2021
Wustenrot Group's mortgage loans reached CZK 53,174 mil in 2020, down 1.03% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,436 bil in 2020, up 7.98% when compared to the last year. Wustenrot Group accounted for 3.70% ...
By Helgi Library - September 28, 2021
Wustenrot Group's mortgage loans reached CZK 53,174 mil in 2020, down 1.03% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,436 bil in 2020, up 7.98% when compared to the last year. Wustenrot Group accounted for 3.70% ...
By Helgi Library - September 28, 2021
Wustenrot Group's customer loans reached CZK 55,591 mil in 2020, down 0.775% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020, up 4.20% when compared to the last year. Wustenrot Group accounted for 1.55%...
By Helgi Library - September 28, 2021
Wustenrot Group's customer loans reached CZK 55,591 mil in 2020, down 0.775% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020, up 4.20% when compared to the last year. Wustenrot Group accounted for 1.55%...
By Helgi Library - September 28, 2021
Wustenrot Group's customer deposits reached CZK 53,567 mil in 2020, down 3.44% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020, up 8.92% when compared to the last year. Wustenrot Group accounted for ...
By Helgi Library - September 28, 2021
Wustenrot Group's customer deposits reached CZK 53,567 mil in 2020, down 3.44% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020, up 8.92% when compared to the last year. Wustenrot Group accounted for ...
By Helgi Library - September 28, 2021
Wustenrot Group's net interest margin amounted to 1.34% in 2020, down from 1.61% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.97% in 2010 and an all time low of 1.34% in 2007. The average marg...
Wustenrot Group has been growing its revenues and asset by 3.73% and 3.60% a year on average in the last 10 years. Its loans and deposits have grown by 2.54% and 3.44% a year during that time and loans to deposits ratio reached 104% at the end of 2020. The company achieved an average return on equity of 8.55% in the last decade with net profit growing 5.79% a year on average. In terms of operating efficiency, its cost to income ratio reached 53.4% in 2020, compared to 55.7% average in the last decade.
Equity represented 6.95% of total assets or 9.16% of loans at the end of 2020. Wustenrot Group's non-performing loans were 2.18% of total loans while provisions covered some 47.8% of NPLs at the end of 2020.
Wustenrot Group stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 9.90% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.53x and price to book value (PBV) of 0.893x in 2020.
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