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Equa Bank

Equa Bank's total revenues rose 44.7% yoy to CZK 692 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank generated total banking revenues of CZK 692 mil in 2021-12-31, up 28.9% compared to the previous year. Czech ban...

Equa Bank's mortgage loans rose 5.02% yoy to CZK 22,212 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's mortgage loans reached CZK 22,212 mil in 4Q2021, up 1.21% compared to the previous year. Czech banking sector provi...

Equa Bank's net profit rose 140% yoy to CZK 120 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank made a net profit of CZK 120 mil under revenues of CZK 692 mil in the fourth quarter of 2021, up 140% and 44.7% ...

Annual Quarterly LTM
Profit Statement 2019 2020 2021
Net Interest Income CZK mil 1,967 1,795 2,102
Net Fee Income CZK mil -1.00 -66.0 -59.0
Other Income CZK mil 42.0 160 214
Total Revenues CZK mil 2,008 1,889 2,257
Staff Cost CZK mil 645 568 626
Operating Profit CZK mil 726 728 757
Provisions CZK mil 241 485 73.0
Net Profit CZK mil 376 197 553
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 803 1,176 1,242
Customer Loans CZK mil 46,623 49,668 52,844
Investments CZK mil 1,150 1,937 2,726
Total Assets CZK mil 63,279 73,336 73,659
Shareholders' Equity CZK mil 5,254 5,650 6,201
Interbank Borrowing CZK mil 59.0 52.0 203
Customer Deposits CZK mil 55,474 64,235 64,162
Issued Debt Securities CZK mil 1,984 2,897 2,396
Ratios 2019 2020 2021
ROE % 7.44 3.61 9.33
ROA % 0.633 0.288 0.752
Costs (As % Of Assets) % 2.16 1.70 2.04
Costs (As % Of Income) % 63.8 61.5 66.5
Capital Adequacy Ratio % 16.5 17.6 17.2
Net Interest Margin % 3.31 2.63 2.86
Loans (As % Of Deposits) % 84.0 77.3 82.4
NPLs (As % Of Loans) % 2.28 1.62 1.68
Provisions (As % Of NPLs) % 59.5 95.0 76.1
Growth Rates 2019 2020 2021
Total Revenue Growth % 15.9 -5.93 19.5
Operating Cost Growth % 11.5 -9.44 29.2
Operating Profit Growth % 24.7 0.275 3.98
Net Profit Growth % 6.21 -47.6 181
Customer Loan Growth % 15.9 6.53 6.39
Total Asset Growth % 13.8 15.9 0.440
Customer Deposit Growth % 13.8 15.8 -0.114
Shareholders' Equity Growth % 8.35 7.54 9.75
Employees 644 523 482

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summary Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
income statement                            
Net Interest Income CZK mil               852 1,164 1,399 1,690 1,967    
Total Revenues CZK mil               875 1,160 1,428 1,732 2,008    
Operating Profit CZK mil               -139 148 358 582 726    
Net Profit CZK mil               -326 -70.0 111 354 376    
balance sheet                            
Interbank Loans CZK mil               3,071 7,055 8,986 11,707 803    
Customer Loans CZK mil               27,434 32,007 36,858 40,234 46,623    
Investments CZK mil               2,601 1,966 808 1,155 1,150    
Total Assets CZK mil               36,933 43,936 49,989 55,585 63,279    
                               
Shareholders' Equity CZK mil               3,885 3,294 3,501 4,849 5,254    
Interbank Borrowing CZK mil               255 284 242 91.0 59.0    
Customer Deposits CZK mil               33,502 39,835 44,836 48,760 55,474    
Issued Debt Securities CZK mil               0 241 1,175 1,679 1,984    
ratios                            
ROE % ...             -10.5 -1.95 3.27 8.48 7.44    
ROA % ...             -1.02 -0.173 0.236 0.671 0.633    
Costs (As % Of Assets) % ...             3.15 2.50 2.28 2.18 2.16    
Costs (As % Of Income) %               116 87.2 74.9 66.4 63.8    
Capital Adequacy Ratio %               14.9 12.8 13.8 16.5 16.5    
Net Interest Margin % ...             2.65 2.88 2.98 3.20 3.31    
Interest Income (As % Of Revenues) %               97.4 100 98.0 97.6 98.0    
Fee Income (As % Of Revenues) %               -1.26 -1.55 -0.210 1.27 -0.050    
Staff Cost (As % Of Total Cost) %               48.1 51.5 50.9 50.6 50.3    
Equity (As % Of Assets) %               10.5 7.50 7.00 8.72 8.30    
Loans (As % Of Deposits) %               81.9 80.3 82.2 82.5 84.0    
Loans (As % Assets) %               74.3 72.8 73.7 72.4 73.7    
NPLs (As % Of Loans) %               3.01 1.15 1.47 1.57 2.28    
Provisions (As % Of NPLs) %               32.4 106 70.2 90.5 59.5    
valuation                            
Book Value Per Share Growth % ...             54.9 36.6 20.2 20.8 16.4    
income statement Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
income statement                            
Interest Income CZK mil               1,156 1,409 1,572 1,903 2,338    
Interest Cost CZK mil               304 245 173 213 371    
Net Interest Income CZK mil               852 1,164 1,399 1,690 1,967    
Net Fee Income CZK mil               -11.0 -18.0 -3.00 22.0 -1.00    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... 157    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... 158    
Other Income CZK mil               34.0 14.0 32.0 20.0 42.0    
Total Revenues CZK mil               875 1,160 1,428 1,732 2,008    
Staff Cost CZK mil               488 521 545 582 645    
Depreciation CZK mil               131 131 150 166 224    
Other Cost CZK mil               395 360 375 402 413    
Operating Cost CZK mil               1,014 1,012 1,070 1,150 1,282    
Operating Profit CZK mil               -139 148 358 582 726    
Provisions CZK mil               190 187 178 249 241    
Extra and Other Cost CZK mil               -0.001 0 0 0 0    
Pre-Tax Profit CZK mil               -329 -39.0 180 333 485    
Tax CZK mil               52.7 29.0 70.0 -39.0 82.0    
Minorities CZK mil               -55.3 -40.0 -1.00 18.0 27.0    
Net Profit CZK mil               -326 -70.0 111 354 376    
Net Profit Avail. to Common CZK mil               -326 -70.0 111 354 376    
growth rates                            
Net Interest Income Growth % ...             54.9 36.6 20.2 20.8 16.4    
Net Fee Income Growth % ...             -38.6 63.6 -83.3 -833 -105    
Total Revenue Growth % ...             53.6 32.5 23.1 21.3 15.9    
Operating Cost Growth % ...             19.4 -0.220 5.73 7.48 11.5    
Operating Profit Growth % ...             -50.3 -206 142 62.6 24.7    
Pre-Tax Profit Growth % ...             -24.9 -88.1 -562 85.0 45.6    
Net Profit Growth % ...             -8.47 -78.6 -259 219 6.21    
market share                            
Market Share in Revenues %               0.503 0.644 0.797 0.910 0.993    
Market Share in Net Profit %               -0.492 -0.095 0.147 0.435 0.413    
Market Share in Employees %               1.37 1.46 1.42 1.45 1.55    
Market Share in Branches % ... ...           2.68 2.83 2.98 2.97 3.11    
balance sheet Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
balance sheet                            
Cash & Cash Equivalents CZK mil               2,313 1,407 1,923 1,016 13,010    
Interbank Loans CZK mil               3,071 7,055 8,986 11,707 803    
Customer Loans CZK mil               27,434 32,007 36,858 40,234 46,623    
Retail Loans CZK mil               15,713 20,276 24,223 28,599 33,809    
Mortgage Loans CZK mil ... ...           9,989 13,835 15,993 17,740 20,076    
Consumer Loans CZK mil ... ...           5,723 6,441 8,230 10,859 13,733    
Corporate Loans CZK mil               10,444 11,641 12,485 12,215 13,146    
Investments CZK mil               2,601 1,966 808 1,155 1,150    
Property and Equipment CZK mil               811 848 864 158 409    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... 707 738    
Total Assets CZK mil               36,933 43,936 49,989 55,585 63,279    
                               
Shareholders' Equity CZK mil               3,885 3,294 3,501 4,849 5,254    
Of Which Minority Interest CZK mil               0 17.0 46.0 134 161    
Liabilities CZK mil               33,048 40,642 46,488 50,736 58,025    
Interbank Borrowing CZK mil               255 284 242 91.0 59.0    
Customer Deposits CZK mil               33,502 39,835 44,836 48,760 55,474    
Retail Deposits CZK mil               25,897 31,487 33,697 38,636 45,190    
Corporate Deposits CZK mil               5,186 5,829 7,892 7,001 6,609    
Issued Debt Securities CZK mil               0 241 1,175 1,679 1,984    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... 879    
Other Liabilities CZK mil               -708 282 235 206 508    
asset quality                            
Non-Performing Loans CZK mil               833 374 547 641 1,077    
Gross Loans CZK mil               27,704 32,637 37,242 40,814 47,264    
Risk-Weighted Assets CZK mil ... ... ...         17,612 26,843 28,313 29,888 33,811    
Total Provisions CZK mil               270 397 384 580 641    
growth rates                            
Customer Loan Growth % ...             38.9 16.7 15.2 9.16 15.9    
Retail Loan Growth % ...             50.5 29.0 19.5 18.1 18.2    
Mortgage Loan Growth % ... ... ...         37.7 38.5 15.6 10.9 13.2    
Consumer Loan Growth % ... ... ...         79.9 12.5 27.8 31.9 26.5    
Corporate Loan Growth % ...             28.3 11.5 7.25 -2.16 7.62    
Total Asset Growth % ...             34.9 19.0 13.8 11.2 13.8    
Shareholders' Equity Growth % ...             66.5 -15.2 6.28 38.5 8.35    
Customer Deposit Growth % ...             37.1 18.9 12.6 8.75 13.8    
Retail Deposit Growth % ...             38.0 21.6 7.02 14.7 17.0    
Corporate Deposit Growth % ...             59.0 12.4 35.4 -11.3 -5.60    
market share                            
Market Share in Customer Loans %               0.986 1.08 1.19 1.22 1.35    
Market Share in Corporate Loans %               1.13 1.19 1.22 1.13 1.17    
Market Share in Retail Loans %               1.19 1.43 1.59 1.74 1.94    
Market Share in Consumer Loans % ... ...           1.63 1.76 2.16 2.71 3.31    
Market Share in Mortgage Loans % ... ...           1.03 1.31 1.39 1.42 1.51    
Market Share in Total Assets %               0.675 0.737 0.714 0.764 0.837    
Market Share in Customer Deposits %               0.952 1.06 1.08 1.10 1.17    
Market Share in Retail Deposits %               1.27 1.43 1.42 1.51 1.66    
Market Share in Corporate Deposits %               0.563 0.636 0.792 0.672 0.604    
ratios Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                             
ROE % ...             -10.5 -1.95 3.27 8.48 7.44    
ROTE % ... ... ... ... ... ... ... ... ... ... ... 8.69    
ROE (@ 15% of RWA) % ... ... ... ...       -13.8 -2.10 2.68 8.11 7.87    
ROA % ...             -1.02 -0.173 0.236 0.671 0.633    
Return on Loans %               -1.38 -0.236 0.322 0.918 0.866    
Operating Profit (As % of RWA) % ... ... ... ...       -0.881 0.666 1.30 2.00 2.28    
Costs (As % Of Assets) % ...             3.15 2.50 2.28 2.18 2.16    
Costs (As % Of Income) %               116 87.2 74.9 66.4 63.8    
Costs (As % Of Loans) % ...             4.30 3.41 3.11 2.98 2.95    
Costs (As % Of Loans & Deposits) % ...             1.93 1.52 1.39 1.35 1.34    
Capital Adequacy Ratio %               14.9 12.8 13.8 16.5 16.5    
Tier 1 Ratio % ... ... ... ... ... ... ... 14.9 11.7 11.6 14.8 14.3    
Net Interest Margin % ...             2.65 2.88 2.98 3.20 3.31    
Interest Spread % ...             2.55 2.82 2.95 3.17 3.25    
Asset Yield % ...             3.59 3.48 3.35 3.61 3.93    
Revenues (As % of RWA) % ... ... ... ...       5.55 5.22 5.18 5.95 6.30    
Cost Of Liabilities % ...             1.05 0.665 0.397 0.438 0.682    
Interest Income (As % Of Revenues) %               97.4 100 98.0 97.6 98.0    
Fee Income (As % Of Revenues) %               -1.26 -1.55 -0.210 1.27 -0.050    
Other Income (As % Of Revenues) %               3.88 1.21 2.24 1.15 2.09    
Staff Cost (As % Of Total Cost) %               48.1 51.5 50.9 50.6 50.3    
Equity (As % Of Assets) %               10.5 7.50 7.00 8.72 8.30    
Equity (As % Of Loans) %               14.2 10.3 9.50 12.1 11.3    
Loans (As % Of Deposits) %               81.9 80.3 82.2 82.5 84.0    
Loans (As % Assets) %               74.3 72.8 73.7 72.4 73.7    
NPLs (As % Of Loans) %               3.01 1.15 1.47 1.57 2.28    
Provisions (As % Of NPLs) %               32.4 106 70.2 90.5 59.5    
Provisions (As % Of Loans) %               0.986 1.24 1.04 1.44 1.37    
Cost of Provisions (As % Of Loans) % ...             0.805 0.629 0.517 0.646 0.555    
other data Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                             
Branches ... ...           58.0 58.0 58.0 58.0 59.0    
ATMs ... ... ... ... ... ... ... ... ... ... ... 16.0 ... ...
ATMs (As % of Bank Branches) % ... ... ... ... ... ... ... ... ... ... ... 27.1 ... ...
Employees               565 600 594 608 644    
Employees Per Bank Branch ... ...           9.74 10.3 10.2 10.5 10.9    
Cost Per Employee USD per month               3,013 2,868 3,258 3,646 3,702    
Cost Per Employee (Local Currency) CZK per month               71,913 72,361 76,459 79,770 83,463    
customer breakdown Unit 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                             
Customers mil               0.200 0.247 0.307 0.370 0.424    
Revenue per Customer (Local Currency) CZK               4,376 4,696 4,651 4,681 4,736    
Net Profit per Customer (Local Currency) CZK               -1,632 -283 362 957 887    
Loan per Customer (Local Currency) CZK               137,168 129,583 120,059 108,741 109,960    
Deposit per Customer (Local Currency) CZK               167,508 161,275 146,046 131,784 130,835    
Revenue per Customer USD               183 186 198 214 210    
Net Profit per Customer USD               -68.4 -11.2 15.4 43.7 39.3    
Loan per Customer USD               5,526 5,054 5,639 4,840 4,861    
Deposit per Customer USD               6,748 6,290 6,859 5,866 5,784    

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Equa Bank's net profit rose 140% yoy to CZK 120 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank made a net profit of CZK 120 mil in the fourth quarter of 2021, up 140% when compared to the same period of last year. This implies a return on equity of 7.79%. Historically, the bank’s net profit reached an all time high of CZK 177 mil in 3Q2021 and an...

Equa Bank's customer loans fell 4.76% yoy to CZK 52,844 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's customer loans reached CZK 52,844 mil in 2021-12-31, down 7.32% compared to the previous year. Czech banking sector provided customer loans of CZK 3,848 in 2021-12-31, up 1.87% when compared to the last year. Equa Bank accounted for 1.37% of a...

Equa Bank's customer deposits fell 0.708% yoy to CZK 64,162 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's customer deposits reached CZK 64,162 mil in 2021-12-31, down 5.64% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,502 bil in 2021-12-31, down 7.50% when compared to the last year. Equa Bank accounted fo...

Equa Bank's net interest margin rose 24.0% yoy to 3.19% in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's net interest margin amounted to 3.19% in the fourth quarter of 2021, up from 2.77% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.21% in 2Q2019 and an all time low of 0.787% ...

Equa Bank's corporate loans rose 8.69% yoy to CZK 12,744 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's loans reached CZK 53,529 mil in the fourth quarter of 2021, down from CZK 57,765 mil when compared to the previous quarter and down from CZK 56,274 mil when compared to the same period of last year. Historically, the bank’s loans reached...

Equa Bank's corporate deposits rose 14.6% yoy to CZK 8,674 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's corporate deposits reached CZK 8,674 mil in 2021-12-31, up 3.29% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,309 bil in 2021-12-31, up 3.34% when compared to the last year. Equa Bank accounted for 0...

Equa Bank's retail loans rose 9.91% yoy to CZK 40,785 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's retail loans reached CZK 40,785 mil in the fourth quarter of 2021, up 4.58% compared to the previous year. Czech banking sector provided retail loans of CZK 2,043 bil in 4Q2021, up 2.65% when compared to the last year. Equa Bank accounted for ...

Equa Bank's retail deposits fell 2.89% yoy to CZK 51,367 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's retail deposits reached CZK 51,367 mil in 2021-12-31, down 0.738% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,265 bil in 2021-12-31, up 0.219% when compared to the last year. Equa Bank accounted for 1....

Equa Bank's npls (as % of loans) rose 11.6% yoy to 1.68% in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's non-performing loans reached 1.68% of total loans at the end of 2021-12-31, up from 1.51% compared to the previous year. Historically, the NPL ratio hit an all time high of 20.7% in 2012-03-31 and an all time low of 1.33% in 2020-09-30. Provisio...

Equa Bank's consumer loans rose 16.4% yoy to CZK 18,573 mil in 4Q2021

By Helgi Library - September 30, 2023

Equa Bank's consumer loans reached CZK 18,573 mil in 2021-12-31, up 8.91% compared to the previous year. Czech banking sector provided consumer loans of CZK 448 bil in 2021-12-31, up 1.96% when compared to the last year. Equa Bank accounted for 4.14% of a...

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Equa bank is a small Czech Republic-based bank. The Bank offers simple retail and corporate banking services covering current and savings accounts with the option of free maintenance, multi-currency payment cards, mortgages, term deposits, consumer loans, insurance and business loans. In 2019, the Bank had over 400,000 clients and operates 59 branches in the whole of the Czech Republic. Equa bank entered the Czech market in July 2011 after Banco Popolare Česká republika had been taken over by Equa Group Limited. Equa Group Limited is owned by funds advised by the British company Anacap Financial Partners LLP.

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Finance

Equa Bank has been growing its revenues and asset by 45.4% and 28.4% a year on average in the last 10 years. Its loans and deposits have grown by 33.9% and 30.5% a year during that time and loans to deposits ratio reached 82.4% at the end of 2021. The company achieved an average return on equity of -5.72% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 66.5% in 2021, compared to 169% average in the last decade.

Equity represented 8.42% of total assets or 11.7% of loans at the end of 2021. Equa Bank's non-performing loans were 1.68% of total loans while provisions covered some 76.1% of NPLs at the end of 2021.

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