Cofidis Czech Republic

Cofidis Czech Republic's net interest margin fell 0.746% to 12.7% in 2018

By Helgi Analytics - August 21, 2019

Cofidis Czech Republic's net interest margin amounted to 12.7% in 2018, down from 12.7% compared to the previous year. His...

Cofidis Czech Republic's customer loans fell 4.99% to CZK 1,418 mil in 2018

By Helgi Analytics - December 12, 2019

Cofidis Czech Republic's customer loans reached CZK 1,418 mil in 2018, down 4.99% compared to the previous year. Czech banking ...

Cofidis Czech Republic's customer deposits remain unchanged at CZK 0 mil in 2018

By Helgi Analytics - December 12, 2019

Cofidis Czech Republic's customer deposits reached CZK 0 mil in 2018, down 0% compared to the previous year. Czech banking sect...

Profit Statement 2016 2017 2018
Net Interest Income CZK mil 213 219 204
Fee Income (As % Of Revenues) % -11.8 -19.7 -5.10
Other Income CZK mil 5.85 2.12 0.677
Total Revenues CZK mil 196 185 195
Staff Cost CZK mil 86.9 93.8 104
Operating Profit CZK mil -71.7 -77.1 -98.5
Provisions CZK mil 9.84 13.4 -6.01
Net Profit CZK mil -81.5 -90.6 -92.5
Balance Sheet 2016 2017 2018
Interbank Loans CZK mil 104 121 66.9
Customer Loans CZK mil 1,502 1,493 1,418
Debt Securities CZK mil ... 0 0
Total Assets CZK mil 1,743 1,693 1,533
Shareholders' Equity CZK mil 160 169 77.0
Interbank Borrowing CZK mil 1,471 1,521 1,453
Customer Deposits CZK mil 0 0 0
Issued Debt Securities CZK mil 0 0 0
Ratios 2016 2017 2018
ROE % -50.5 -55.2 -75.3
ROA % -5.18 -5.27 -5.74
Costs (As % Of Assets) % 17.0 15.2 18.2
Costs (As % Of Income) % 137 142 151
Net Interest Margin % 13.5 12.7 12.7
NPLs (As % Of Loans) % ... ... 27.2
Provisions (As % Of NPLs) % ... ... 102
Growth Rates 2016 2017 2018
Total Revenue Growth % 4.65 -5.55 5.46
Operating Cost Growth % 2.34 -2.03 12.0
Operating Profit Growth % -3.48 7.58 27.7
Net Profit Growth % 3.93 11.1 2.16
Customer Loan Growth % 19.8 -0.625 -4.99
Total Asset Growth % 23.7 -2.83 -9.47
Shareholders' Equity Growth % -2.34 5.57 -54.3
Employees 122 159 139

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summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                              
Net Interest Income CZK mil ... ... ... ... ... ... ...   287 204 183 177 213    
Total Revenues CZK mil ... ... ... ... ... ... ...   364 266 229 187 196    
Operating Profit CZK mil ... ... ... ... ... ... ...   169 78.8 -21.9 -74.3 -71.7    
Net Profit CZK mil                 -16.1 -1.37 -50.5 -78.5 -81.5    
balance sheet                              
Interbank Loans CZK mil ... ... ... ... ...       99.1 20.9 36.5 96.2 104    
Customer Loans CZK mil ... ... ... ... ...       1,150 963 1,034 1,254 1,502    
Debt Securities CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...    
Total Assets CZK mil ... ... ... ... ...       1,298 1,058 1,146 1,409 1,743    
Shareholders' Equity CZK mil ... ... ... ... ... ... ...   135 134 83.6 163 160    
Interbank Borrowing CZK mil ... ... ... ... ...       1,100 860 992 1,172 1,471    
Customer Deposits CZK mil ... ... ... ... ...       0 0 0 0 0    
Issued Debt Securities CZK mil ... ... ... ... ...       0 0 0 0 0    
ratios                              
ROE % ... ... ... ... ... ... ...   -11.2 -1.01 -46.4 -63.5 -50.5    
ROA % ... ... ... ... ...       -1.10 -0.116 -4.59 -6.14 -5.18    
Costs (As % Of Assets) % ... ... ... ... ... ... ...   13.3 15.9 22.8 20.4 17.0    
Costs (As % Of Income) % ... ... ... ... ... ... ...   53.6 70.4 110 140 137    
Net Interest Margin % ... ... ... ... ... ... ...   19.5 17.3 16.6 13.8 13.5    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...   79.0 76.7 80.0 94.5 109    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...   20.1 20.3 18.4 2.92 -11.8    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...   32.4 35.5 30.6 31.0 32.5    
Equity (As % Of Assets) % ... ... ... ... ... ... ...   10.4 12.7 7.29 11.6 9.16    
Loans (As % Assets) % ... ... ... ... ...       88.6 91.0 90.2 89.0 86.2    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                              
Interest Income CZK mil ... ... ... ... ... ... ...   311 214 187 179 214    
Interest Cost CZK mil ... ... ... ... ... ... ...   23.8 9.48 3.60 2.66 0.661    
Net Interest Income CZK mil ... ... ... ... ... ... ...   287 204 183 177 213    
Net Fee Income CZK mil ... ... ... ... ... ... ...   73.0 53.9 42.1 5.47 -23.1    
Other Income CZK mil ... ... ... ... ... ... ...   3.26 7.97 3.78 4.76 5.85    
Total Revenues CZK mil ... ... ... ... ... ... ...   364 266 229 187 196    
Staff Cost CZK mil ... ... ... ... ... ... ...   63.2 66.5 76.9 81.1 86.9    
Depreciation CZK mil ... ... ... ... ... ... ...   2.70 3.62 7.24 7.26 7.77    
Other Cost CZK mil ... ... ... ... ... ... ...   129 117 167 173 173    
Operating Cost CZK mil ... ... ... ... ... ... ...   195 187 251 261 267    
Operating Profit CZK mil ... ... ... ... ... ... ...   169 78.8 -21.9 -74.3 -71.7    
Provisions CZK mil ... ... ... ... ... ... ...   156 68.4 33.5 4.17 9.84    
Extra and Other Cost CZK mil ... ... ... ... ... ... ...   -0.148 < -0.001 0 0 0    
Pre-Tax Profit CZK mil ... ... ... ... ... ... ...   12.4 10.5 -55.4 -78.5 -81.5    
Tax CZK mil ... ... ... ... ... ... ...   28.5 11.8 -4.81 0 0    
Minorities CZK mil ... ... ... ... ... ... ...   0 0 0 0 0    
Net Profit CZK mil                 -16.1 -1.37 -50.5 -78.5 -81.5    
growth rates                              
Net Interest Income Growth % ... ... ... ... ... ... ... ... -23.6 -28.9 -10.2 -3.63 20.5    
Net Fee Income Growth % ... ... ... ... ... ... ... ... -30.2 -26.1 -21.9 -87.0 -523    
Total Revenue Growth % ... ... ... ... ... ... ... ... -25.5 -26.8 -13.8 -18.5 4.65    
Operating Cost Growth % ... ... ... ... ... ... ... ... -14.0 -3.91 34.1 4.00 2.34    
Operating Profit Growth % ... ... ... ... ... ... ... ... -35.5 -53.3 -128 239 -3.48    
Pre-Tax Profit Growth % ... ... ... ... ... ... ... ... -424 -15.6 -629 41.7 3.93    
Net Profit Growth % ...               -61.5 -91.5 3,598 55.2 3.93    
market share                              
Market Share in Revenues % ... ... ... ... ... ... ...   0.218 0.158 0.137 0.107 0.109   ...
Market Share in Net Profit % ... ... ... ...   ...   ... ... ... ... ... ... ... ...
Market Share in Employees % ...     ... ... ...     0.242 0.244 0.268 0.272 0.297   ...
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                              
Cash CZK mil ... ... ... ... ... ... ... ... 0.157 0.200 0.113 0.239 0.209    
Interbank Loans CZK mil ... ... ... ... ...       99.1 20.9 36.5 96.2 104    
Customer Loans CZK mil ... ... ... ... ...       1,150 963 1,034 1,254 1,502    
Debt Securities CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...    
Fixed Assets CZK mil ... ... ... ... ...       11.0 18.4 14.9 17.6 12.9    
Total Assets CZK mil ... ... ... ... ...       1,298 1,058 1,146 1,409 1,743    
Shareholders' Equity CZK mil ... ... ... ... ... ... ...   135 134 83.6 163 160    
Of Which Minority Interest CZK mil ... ... ... ... ...       0 0 0 0 0    
Liabilities CZK mil ... ... ... ... ... ... ...   1,163 924 1,063 1,245 1,583    
Interbank Borrowing CZK mil ... ... ... ... ...       1,100 860 992 1,172 1,471    
Customer Deposits CZK mil ... ... ... ... ...       0 0 0 0 0    
Issued Debt Securities CZK mil ... ... ... ... ...       0 0 0 0 0    
Other Liabilities CZK mil ... ... ... ... ... ... ...   63.0 64.2 70.6 73.7 112    
asset quality                              
Non-Performing Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Gross Loans CZK mil ... ... ... ... ... ... ...   1,690 1,541 1,640 1,865 2,112    
Total Provisions CZK mil ... ... ... ... ... ... ...   540 578 607 611 610    
growth rates                              
Customer Loan Growth % ... ... ... ... ... ...     -23.8 -16.3 7.33 21.3 19.8    
Total Asset Growth % ... ... ... ... ... ...     -20.9 -18.5 8.32 22.9 23.7    
Shareholders' Equity Growth % ... ... ... ... ... ... ... ... -10.6 -1.01 -37.7 95.7 -2.34    
market share                              
Market Share in Customer Loans % ... ... ... ... ...       0.049 0.038 0.039 0.045 0.051    
Market Share in Total Assets % ... ... ... ... ...       0.028 0.020 0.021 0.025 0.029    
Market Share in Customer Deposits % ... ... ... ... ...       0 0 0 0 0    
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                              
ROE % ... ... ... ... ... ... ...   -11.2 -1.01 -46.4 -63.5 -50.5    
ROA % ... ... ... ... ...       -1.10 -0.116 -4.59 -6.14 -5.18    
Costs (As % Of Assets) % ... ... ... ... ... ... ...   13.3 15.9 22.8 20.4 17.0    
Costs (As % Of Income) % ... ... ... ... ... ... ...   53.6 70.4 110 140 137    
Net Interest Margin % ... ... ... ... ... ... ...   19.5 17.3 16.6 13.8 13.5    
Interest Spread % ... ... ... ... ... ... ... ... 19.4 17.2 16.6 13.8 13.5    
Asset Yield % ... ... ... ... ... ... ...   21.2 18.1 17.0 14.0 13.6    
Cost Of Liabilities % ... ... ... ... ... ... ... ... 1.79 0.908 0.363 0.230 0.047    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...   79.0 76.7 80.0 94.5 109    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...   20.1 20.3 18.4 2.92 -11.8    
Other Income (As % Of Revenues) % ... ... ... ... ... ... ...   0.896 2.99 1.65 2.55 2.99    
Cost Per Employee USD per month ... ... ... ... ... ... ...   2,775 2,922 2,775 2,528 2,351    
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ... ... ...   54,270 57,166 59,299 60,334 59,327    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...   32.4 35.5 30.6 31.0 32.5    
Equity (As % Of Assets) % ... ... ... ... ... ... ...   10.4 12.7 7.29 11.6 9.16    
Loans (As % Assets) % ... ... ... ... ...       88.6 91.0 90.2 89.0 86.2    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Provisions (As % Of Loans) % ... ... ... ... ... ... ...   46.9 60.0 58.7 48.7 40.6    
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ...   11.8 6.47 3.35 0.365 0.714    
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                              
Employees ... ... ... ... ... ...     97.0 97.0 108 112 122    

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Cofidis Czech Republic's net interest income fell 6.80% to CZK 204 mil in 2018

By Helgi Analytics - August 21, 2019

Cofidis Czech Republic generated total banking revenues of CZK 195 mil in 2018, up 5.46% 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 488 mil in 2011 a...

Cofidis Czech Republic's total revenues rose 5.46% to CZK 185 mil in 2018

By Helgi Analytics - December 12, 2019

Cofidis Czech Republic generated total banking revenues of CZK 185 mil in 2017, down 5.55% 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 to the last ye...

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Finance

Cofidis Czech Republic has been growing its revenues and asset by 1.39% and 2.85% a year on average in the last 3 years. Its loans and deposits have grown by 4.19% and 0% 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 -60.3% in the last three years with net profit growing 5.65% a year on average. In terms of operating efficiency, its cost to income ratio reached 151% in 2018, compared to 143% average in the last three years.

Equity represented 5.03% of total assets or 5.43% of loans at the end of 2018. Cofidis Czech Republic's non-performing loans were 27.2% of total loans while provisions covered some 102% of NPLs at the end of 2018.