By Helgi Library - August 23, 2021
Akcenta made a net profit of CZK 60.9 mil under revenues of CZK 289 mil in 2020, up 169% and 38.0% respectively compared to the previ...
By Helgi Library - August 23, 2021
Akcenta generated total banking revenues of CZK 225 mil in 2018, up 12.1% compared to the previous year. Czech banking sec...
By Helgi Library - August 23, 2021
Akcenta's customer deposits reached CZK 2,003 mil in 2020, up 31.1% compared to the previous year. Czech banking sector accepte...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 0.096 | -0.432 | -0.682 |
| Net Fee Income | CZK mil | -0.131 | -7.12 | -6.93 |
| Other Income | CZK mil | 225 | 217 | 297 |
| Total Revenues | CZK mil | 225 | 210 | 289 |
| Staff Cost | CZK mil | 96.3 | 78.3 | 95.0 |
| Operating Profit | CZK mil | 28.2 | 30.3 | 90.3 |
| Provisions | CZK mil | -17.9 | 1.68 | 13.6 |
| Net Profit | CZK mil | 36.2 | 22.6 | 60.9 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 1,330 | 1,640 | 2,164 |
| Customer Loans | CZK mil | 19.1 | 12.0 | 14.0 |
| Investments | CZK mil | 9.70 | 9.70 | 14.9 |
| Total Assets | CZK mil | 1,442 | 1,759 | 2,398 |
| Shareholders' Equity | CZK mil | 154 | 150 | 207 |
| Interbank Borrowing | CZK mil | 1.81 | 0 | 0.012 |
| Customer Deposits | CZK mil | 1,213 | 1,528 | 2,003 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 25.0 | 14.9 | 34.1 |
| ROA | % | 2.36 | 1.41 | 2.93 |
| Costs (As % Of Assets) | % | 12.8 | 11.2 | 9.58 |
| Costs (As % Of Income) | % | 87.5 | 85.5 | 68.8 |
| Capital Adequacy Ratio | % | 11.9 | 11.4 | 10.4 |
| Net Interest Margin | % | 0.006 | -0.027 | -0.033 |
| Loans (As % Of Deposits) | % | 1.57 | 0.788 | 0.700 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 21.8 | 21.7 | 22.9 |
| Number Of Shares | mil | 1.00 | 1.00 | 1.00 |
| Share Price | CZK | 490 | 490 | 490 |
| Price/Earnings (P/E) | 13.5 | 21.7 | 8.05 | |
| Price/Book Value (P/BV) | 3.19 | 3.27 | 2.37 | |
| Dividend Yield | % | 5.44 | 0.738 | ... |
| Earnings Per Share (EPS) | CZK | 36.2 | 22.6 | 60.9 |
| Book Value Per Share | CZK | 154 | 150 | 207 |
| Dividend Per Share | CZK | 26.7 | 3.62 | ... |
Get all company financials in excel:
| summary | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||
| Net Interest Income | CZK mil | ... | ... | ... | 0.222 | 0.345 | -0.128 | 0.717 | 0.096 | |||||
| Total Revenues | CZK mil | 112 | 157 | 187 | 200 | 225 | ||||||||
| Operating Profit | CZK mil | ... | ... | ... | 3.62 | 36.2 | 45.6 | 55.3 | 28.2 | |||||
| Net Profit | CZK mil | ... | ... | ... | 6.61 | 26.4 | 29.0 | 28.2 | 36.2 | |||||
| balance sheet | ||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | 625 | 867 | 1,037 | 1,495 | 1,330 | |||||
| Customer Loans | CZK mil | ... | ... | ... | 5.17 | 12.5 | 11.1 | 18.7 | 19.1 | |||||
| Investments | CZK mil | ... | ... | ... | 0 | 0 | 0 | 9.70 | 9.70 | |||||
| Total Assets | CZK mil | 658 | 1,105 | 1,106 | 1,627 | 1,442 | ||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | 87.4 | 101 | 125 | 136 | 154 | |||||
| Interbank Borrowing | CZK mil | ... | ... | ... | 0 | 10.0 | 8.95 | 161 | 1.81 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | 544 | 769 | 929 | 1,233 | 1,213 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| ratios | ||||||||||||||
| ROE | % | ... | ... | ... | ... | 7.86 | 28.0 | 25.6 | 21.6 | 25.0 | ||||
| ROA | % | ... | ... | ... | 0.976 | 2.99 | 2.63 | 2.06 | 2.36 | |||||
| Costs (As % Of Assets) | % | ... | ... | ... | 15.9 | 13.7 | 12.8 | 10.6 | 12.8 | |||||
| Costs (As % Of Income) | % | ... | ... | ... | 96.8 | 76.9 | 75.6 | 72.4 | 87.5 | |||||
| Capital Adequacy Ratio | % | ... | ... | ... | 14.9 | 12.6 | 12.2 | 11.4 | 11.9 | |||||
| Net Interest Margin | % | ... | ... | ... | 0.033 | 0.039 | -0.012 | 0.052 | 0.006 | |||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 0.199 | 0.220 | -0.069 | 0.358 | 0.043 | |||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 0.322 | 0.570 | -0.025 | -0.248 | -0.058 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 40.2 | 41.3 | 40.5 | 40.2 | 49.0 | |||||
| Equity (As % Of Assets) | % | ... | ... | ... | 13.3 | 9.16 | 11.3 | 8.35 | 10.7 | |||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 0.951 | 1.62 | 1.19 | 1.52 | 1.57 | |||||
| Loans (As % Assets) | % | ... | ... | ... | 0.786 | 1.13 | 0.999 | 1.15 | 1.32 | |||||
| valuation | ||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | 21.4 | 19.7 | 19.1 | 23.0 | 21.8 | ||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | 490 | 490 | 490 | 490 | 490 | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | 6.61 | 26.4 | 29.0 | 28.2 | 36.2 | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | 87.4 | 101 | 125 | 136 | 154 | ||
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | 6.60 | 14.0 | 15.0 | 18.0 | 26.7 | ... | |
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 74.1 | 18.6 | 16.9 | 17.4 | 13.5 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 5.61 | 4.84 | 3.91 | 3.61 | 3.19 | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | 1.35 | 2.86 | 3.06 | 3.67 | 5.44 | ... | |
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | 299 | 10.1 | -2.88 | 28.3 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | -17.2 | 15.9 | 23.8 | 8.45 | 13.2 |
| income statement | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||
| Interest Income | CZK mil | ... | ... | ... | 0.267 | 0.541 | 0.352 | 0.865 | 0.360 | |||||
| Interest Cost | CZK mil | ... | ... | ... | 0.045 | 0.196 | 0.480 | 0.148 | 0.264 | |||||
| Net Interest Income | CZK mil | ... | ... | ... | 0.222 | 0.345 | -0.128 | 0.717 | 0.096 | |||||
| Net Fee Income | CZK mil | ... | ... | ... | 0.359 | 0.894 | -0.046 | -0.497 | -0.131 | |||||
| Fee Income | CZK mil | ... | ... | ... | 10.6 | 12.1 | 12.8 | 13.7 | 16.0 | |||||
| Fee Expense | CZK mil | ... | ... | ... | 10.3 | 11.2 | 12.9 | 14.2 | 16.2 | |||||
| Other Income | CZK mil | ... | ... | ... | 111 | 156 | 187 | 200 | 225 | |||||
| Total Revenues | CZK mil | 112 | 157 | 187 | 200 | 225 | ||||||||
| Staff Cost | CZK mil | ... | ... | ... | 43.4 | 49.8 | 57.2 | 58.3 | 96.3 | |||||
| Depreciation | CZK mil | ... | ... | ... | 6.80 | 2.89 | 2.50 | 2.46 | 1.77 | |||||
| Other Cost | CZK mil | ... | ... | ... | 57.7 | 67.9 | 81.4 | 84.2 | 98.3 | |||||
| Operating Cost | CZK mil | ... | ... | ... | 108 | 121 | 141 | 145 | 196 | |||||
| Operating Profit | CZK mil | ... | ... | ... | 3.62 | 36.2 | 45.6 | 55.3 | 28.2 | |||||
| Provisions | CZK mil | ... | ... | ... | -5.88 | 1.61 | 10.5 | 19.6 | -17.9 | |||||
| Extra and Other Cost | CZK mil | ... | ... | ... | 0.002 | 0 | 0 | 0 | 0 | |||||
| Pre-Tax Profit | CZK mil | ... | ... | ... | 9.50 | 34.6 | 35.1 | 35.8 | 46.1 | |||||
| Tax | CZK mil | ... | ... | ... | 2.89 | 8.25 | 6.05 | 7.57 | 9.87 | |||||
| Minorities | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | CZK mil | ... | ... | ... | 6.61 | 26.4 | 29.0 | 28.2 | 36.2 | |||||
| Net Profit Avail. to Common | CZK mil | 6.61 | 26.4 | 29.5 | 28.2 | 36.2 | ||||||||
| Dividends | CZK mil | ... | ... | ... | 6.60 | 14.0 | 15.0 | 18.0 | 26.7 | ... | ||||
| growth rates | ||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | -17.2 | 55.4 | -137 | -660 | -86.6 | ||||
| Net Fee Income Growth | % | ... | ... | ... | ... | -69.3 | 149 | -105 | 980 | -73.6 | ||||
| Total Revenue Growth | % | ... | -3.07 | 40.6 | 19.1 | 7.23 | 12.1 | |||||||
| Operating Cost Growth | % | ... | ... | ... | ... | 7.86 | 11.7 | 17.0 | 2.68 | 35.5 | ||||
| Operating Profit Growth | % | ... | ... | ... | ... | -75.9 | 899 | 25.9 | 21.3 | -49.1 | ||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | 12.5 | 264 | 1.37 | 1.95 | 28.8 | ||||
| Net Profit Growth | % | ... | ... | ... | ... | -1.14 | 299 | 10.1 | -2.88 | 28.3 | ||||
| market share | ||||||||||||||
| Market Share in Revenues | % | 0.066 | 0.090 | 0.104 | 0.112 | 0.118 | ||||||||
| Market Share in Net Profit | % | ... | ... | ... | 0.010 | 0.040 | 0.039 | 0.037 | 0.044 | |||||
| Market Share in Employees | % | ... | ... | ... | 0.161 | 0.163 | 0.190 | 0.189 | 0.205 |
| balance sheet | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | ||||||||||||||
| Cash & Cash Equivalents | CZK mil | ... | ... | ... | 0.056 | 0.100 | 0.064 | 0.103 | 0.124 | |||||
| Interbank Loans | CZK mil | ... | ... | ... | 625 | 867 | 1,037 | 1,495 | 1,330 | |||||
| Customer Loans | CZK mil | ... | ... | ... | 5.17 | 12.5 | 11.1 | 18.7 | 19.1 | |||||
| Investments | CZK mil | ... | ... | ... | 0 | 0 | 0 | 9.70 | 9.70 | |||||
| Property and Equipment | CZK mil | ... | ... | ... | 0.532 | 14.8 | 27.0 | 4.42 | 5.08 | |||||
| Intangible Assets | CZK mil | ... | ... | ... | 7.15 | 10.4 | 12.3 | 15.0 | 15.9 | |||||
| Total Assets | CZK mil | 658 | 1,105 | 1,106 | 1,627 | 1,442 | ||||||||
| Shareholders' Equity | CZK mil | ... | ... | ... | 87.4 | 101 | 125 | 136 | 154 | |||||
| Of Which Minority Interest | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | CZK mil | ... | ... | ... | 570 | 1,004 | 980 | 1,492 | 1,288 | |||||
| Interbank Borrowing | CZK mil | ... | ... | ... | 0 | 10.0 | 8.95 | 161 | 1.81 | |||||
| Customer Deposits | CZK mil | ... | ... | ... | 544 | 769 | 929 | 1,233 | 1,213 | |||||
| Sight Deposits | CZK mil | ... | ... | ... | 544 | 769 | 929 | 1,233 | 1,213 | |||||
| Term Deposits | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Subordinated Debt | CZK mil | ... | ... | ... | 0 | 0 | 0 | 0 | 0 | |||||
| Other Liabilities | CZK mil | ... | ... | ... | 26.3 | 224 | 42.6 | 97.5 | 72.9 | |||||
| asset quality | ||||||||||||||
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| growth rates | ||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 59.9 | 141 | -11.3 | 69.6 | 1.86 | ||||
| Total Asset Growth | % | ... | -5.61 | 68.0 | 0.091 | 47.2 | -11.4 | |||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 8.18 | 15.9 | 23.8 | 8.45 | 13.2 | ||||
| Customer Deposit Growth | % | ... | ... | ... | ... | -2.26 | 41.4 | 20.8 | 32.7 | -1.57 | ||||
| market share | ||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | < 0.001 | < 0.001 | < 0.001 | < 0.001 | < 0.001 | |||||
| Market Share in Total Assets | % | 0.012 | 0.020 | 0.019 | 0.023 | 0.020 | ||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | 0.016 | 0.022 | 0.025 | 0.030 | 0.027 |
| ratios | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | ... | ... | ... | 7.86 | 28.0 | 25.6 | 21.6 | 25.0 | ||||
| ROTE | % | ... | ... | ... | ... | 8.74 | 30.8 | 28.5 | 24.1 | 28.0 | ||||
| ROA | % | ... | ... | ... | 0.976 | 2.99 | 2.63 | 2.06 | 2.36 | |||||
| Return on Loans | % | ... | ... | ... | 157 | 299 | 247 | 189 | 191 | |||||
| operating profit (as % of rwa) | ||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 15.9 | 13.7 | 12.8 | 10.6 | 12.8 | |||||
| Costs (As % Of Income) | % | ... | ... | ... | 96.8 | 76.9 | 75.6 | 72.4 | 87.5 | |||||
| Costs (As % Of Loans) | % | ... | ... | ... | ... | 2,569 | 1,368 | 1,200 | 973 | 1,038 | ||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | ... | 19.5 | 18.1 | 16.4 | 13.2 | 15.8 | ||||
| Capital Adequacy Ratio | % | ... | ... | ... | 14.9 | 12.6 | 12.2 | 11.4 | 11.9 | |||||
| Tier 1 Ratio | % | ... | ... | ... | 14.9 | 12.6 | 12.2 | 11.4 | 11.9 | |||||
| Net Interest Margin | % | ... | ... | ... | 0.033 | 0.039 | -0.012 | 0.052 | 0.006 | |||||
| Interest Spread | % | ... | ... | ... | ... | 0.032 | 0.036 | -0.017 | 0.051 | 0.004 | ||||
| Asset Yield | % | ... | ... | ... | 0.039 | 0.061 | 0.032 | 0.063 | 0.023 | |||||
| revenues (as % of rwa) | ||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | ... | 0.008 | 0.025 | 0.048 | 0.012 | 0.019 | ||||
| Payout Ratio | % | ... | ... | ... | 99.9 | 53.1 | 51.7 | 63.8 | 73.7 | ... | ||||
| Interest Income (As % Of Revenues) | % | ... | ... | ... | 0.199 | 0.220 | -0.069 | 0.358 | 0.043 | |||||
| Fee Income (As % Of Revenues) | % | ... | ... | ... | 0.322 | 0.570 | -0.025 | -0.248 | -0.058 | |||||
| Other Income (As % Of Revenues) | % | ... | ... | ... | 99.5 | 99.2 | 100 | 99.9 | 100 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 40.2 | 41.3 | 40.5 | 40.2 | 49.0 | |||||
| Equity (As % Of Assets) | % | ... | ... | ... | 13.3 | 9.16 | 11.3 | 8.35 | 10.7 | |||||
| Equity (As % Of Loans) | % | ... | ... | ... | 1,689 | 812 | 1,134 | 725 | 806 | |||||
| Loans (As % Of Deposits) | % | ... | ... | ... | 0.951 | 1.62 | 1.19 | 1.52 | 1.57 | |||||
| Loans (As % Assets) | % | ... | ... | ... | 0.786 | 1.13 | 0.999 | 1.15 | 1.32 | |||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | ... | -140 | 18.3 | 89.5 | 131 | -94.5 |
| other data | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Employees | ... | ... | ... | 65.0 | 67.0 | 78.0 | 79.0 | 86.0 | ||||||
| Cost Per Employee | USD per month | ... | ... | ... | 2,604 | 2,593 | 2,422 | 2,620 | 4,265 | |||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | 55,656 | 61,903 | 61,123 | 61,477 | 93,318 |
| customer breakdown | Unit | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | 0.025 | 0.027 | 0.030 | 0.033 | 0.036 | |||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | 19,302 | 18,357 | 16,526 | 14,849 | 13,611 | ||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | 4,395 | 5,875 | 6,297 | 6,067 | 6,237 | |||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | 260 | 988 | 979 | 854 | 1,005 | |||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | 204 | 467 | 373 | 568 | 530 | |||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | 21,423 | 28,816 | 31,329 | 37,355 | 33,703 | |||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | 842 | 739 | 645 | 697 | 606 | ||
| Revenue per Customer | USD | ... | ... | ... | 206 | 246 | 250 | 259 | 285 | |||||
| Net Profit per Customer | USD | ... | ... | ... | 12.2 | 41.4 | 38.8 | 36.4 | 45.9 | |||||
| Loan per Customer | USD | ... | ... | ... | 8.89 | 18.8 | 14.5 | 26.7 | 23.6 | |||||
| Deposit per Customer | USD | ... | ... | ... | 935 | 1,161 | 1,222 | 1,754 | 1,500 | |||||
| Client Transactions Turnover | CZK mil | ... | ... | ... | ... | ... | 53,000 | 91,000 | 132,600 | 140,400 | 180,000 | ... | ... | |
| Transactions Turnover per Client | CZK mil | ... | ... | ... | ... | ... | 2.09 | 3.41 | 4.47 | 4.25 | 5.00 | ... | ... | |
| Number of Transactions | '000 | ... | ... | ... | ... | ... | ... | 134 | 146 | 164 | 189 | ... | ... | ... |
| Average Size of Transaction | CZK mil | ... | ... | ... | ... | ... | ... | 0.395 | 0.624 | 0.807 | 0.743 | ... | ... | ... |
| Margin on Client Transactions | % | ... | ... | ... | ... | ... | 0.209 | 0.171 | 0.141 | 0.142 | 0.125 | ... | ... |
Get all company financials in excel:
By Helgi Library - August 23, 2021
Akcenta's net interest margin amounted to -0.033% in 2020, down from -0.027% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 0.052% in 2017 and an all time low of -0.033% in 2020. The average margi...
By Helgi Library - August 23, 2021
Akcenta's capital adequacy ratio reached 10.4% at the end of 2020, down from 11.4% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 25.0% in 2011 and an all time low of 10.4% in 2020. The Tier 1 ratio amounted to ...
By Helgi Library - August 23, 2021
Akcenta generated total banking revenues of CZK 289 mil in 2020, up 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 289 mil in 2020 and an all time lo...
By Helgi Library - August 23, 2021
Akcenta's customer loans reached CZK 14.0 mil in 2020, up 16.5% 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. Akcenta accounted for < 0.001% of all custome...
By Helgi Library - August 23, 2021
Akcenta's customer loan growth reached 16.5% in 2020, up from -36.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 490% in 2012 and an all time low of -61.9% in 2013. In the last decade, the average annua...
Akcenta has been growing its revenues and asset by 13.1% and 13.8% a year on average in the last 3 years. Its loans and deposits have grown by -9.22% and 17.6% a year during that time and loans to deposits ratio reached 0.700% at the end of 2020. The company achieved an average return on equity of 24.7% in the last three years with net profit growing 29.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 68.8% in 2020, compared to 80.6% average in the last three years.
Equity represented 8.64% of total assets or 1,477% of loans at the end of 2020. Akcenta's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.
Akcenta 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 24.7% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 8.05x and price to book value (PBV) of 2.37x in 2020.
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