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Essox

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Essox

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summary Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

              1,155 1,135 1,073 1,038 1,040    
              1,380 1,302 1,164 1,047 986    
              855 832 693 605 530    
              452 648 486 465 471    

balance sheet

              1,350 1,259 1,789 1,614 1,666    
              6,574 6,961 6,731 6,691 7,602    
              1,147 1,016 886 756 626    
              9,817 9,947 10,110 9,824 11,661    
              3,206 3,425 3,911 3,890 3,596    
              6,108 6,004 5,750 5,379 7,493    
              61.5 68.0 71.6 88.7 88.3    
              0 0 0 0 0    

ratios

              14.7% 19.5% 13.2% 11.9% 12.6%    
              4.49% 6.56% 4.84% 4.67% 4.38%    
              5.23% 4.76% 4.70% 4.43% 4.24%    
              38.1% 36.1% 40.5% 42.2% 46.2%    
              11.5% 11.5% 10.7% 10.4% 9.68%    
              83.7% 87.2% 92.2% 99.1% 106%    
              5.93% 5.43% 2.35% -1.89% -9.16%    
              38.0% 41.3% 42.5% 44.0% 46.7%    
              32.7% 34.4% 38.7% 39.6% 30.8%    
... ... ... ... ...     10,697% 10,237% 9,396% 7,547% 8,608%    
              67.0% 70.0% 66.6% 68.1% 65.2%    
              31.0% 30.6% 31.1% 30.0% 26.3%    
              100% 97.3% 98.1% 97.5% 94.4%    

Download Data
income statement Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income CZK mil
Interest Cost CZK mil
Net Interest Income CZK mil
Net Fee Income CZK mil
Other Income CZK mil
Total Revenues CZK mil
Staff Cost CZK mil
Depreciation CZK mil
Other Cost CZK mil
Operating Cost CZK mil
Operating Profit CZK mil
Provisions CZK mil
Extra and Other Cost CZK mil
Pre-Tax Profit CZK mil
Tax CZK mil
Minorities CZK mil
Net Profit CZK mil
              1,319 1,262 1,172 1,106 1,090    
              163 126 99.0 68.6 50.0    
              1,155 1,135 1,073 1,038 1,040    
              81.9 70.7 27.4 -19.8 -90.3    
              143 96.3 64.0 28.7 35.8    
              1,380 1,302 1,164 1,047 986    
              200 195 201 194 213    
              118 88.6 61.7 49.8 46.9    
              207 188 209 198 196    
              526 471 472 442 455    
              855 832 693 605 530    
              282 21.9 140 47.0 -17.2    
              -1.25 7.83 -1.76 -5.20 -1.43    
              574 802 555 563 549    
              122 154 69.3 98.2 78.0    
              0 0 0 0 0    
              452 648 486 465 471    

growth rates

...             -6.11% -1.74% -5.50% -3.30% 0.232%    
...             -37.9% -13.7% -61.3% -172% 355%    
...             -10.8% -5.64% -10.6% -10.1% -5.83%    
...             -8.08% -10.4% 0.185% -6.37% 3.09%    
...             -12.3% -2.70% -16.7% -12.7% -12.3%    
...             39.6% 39.8% -30.8% 1.49% -2.52%    
...             61.7% 43.5% -25.1% -4.24% 1.28%    

market share

              0.826% 0.774% 0.693% 0.601% 0.547%   ...
... ...           0.702% 1.06% 0.770% 0.701% 0.641%   ...
              0.869% 0.873% 0.863% 0.825% 0.843%   ...

Download Data
balance sheet Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

              0.151 0.232 0.474 0.416 0.444    
              1,350 1,259 1,789 1,614 1,666    
              6,574 6,961 6,731 6,691 7,602    
              5,247 5,368 5,037 4,710 4,782    
              1,328 1,593 1,694 1,982 2,820    
              1,147 1,016 886 756 626    
              275 222 218 219 250    
              9,817 9,947 10,110 9,824 11,661    
              3,206 3,425 3,911 3,890 3,596    
              0 0 0 0 0    
              6,611 6,522 6,199 5,934 8,065    
              6,108 6,004 5,750 5,379 7,493    
              61.5 68.0 71.6 88.7 88.3    
              0 0 0 0 0    
              442 450 378 466 484    

asset quality

              2,952 3,040 3,017 2,832 2,655    
              9,535 9,919 9,689 9,451 10,109    
              2,960 2,958 2,958 2,760 2,506    

growth rates

...             -5.02% 5.88% -3.30% -0.590% 13.6%    
...             -5.13% 2.31% -6.16% -6.51% 1.54%    
...             -4.57% 20.0% 6.34% 17.0% 42.3%    
...             -4.60% 1.33% 1.64% -2.83% 18.7%    
...             8.78% 6.84% 14.2% -0.526% -7.56%    
... ... ... ... ... ...   -5.18% 10.6% 5.35% 23.8% -0.382%    

market share

              0.279% 0.277% 0.255% 0.240% 0.258%    
              0.159% 0.184% 0.194% 0.215% 0.289%    
              0.462% 0.454% 0.409% 0.356% 0.337%    
              0.212% 0.191% 0.188% 0.177% 0.194%    
              0.002% 0.002% 0.002% 0.003% 0.002%    

Download Data
ratios Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

              14.7% 19.5% 13.2% 11.9% 12.6%    
              4.49% 6.56% 4.84% 4.67% 4.38%    
              5.23% 4.76% 4.70% 4.43% 4.24%    
              38.1% 36.1% 40.5% 42.2% 46.2%    
              11.5% 11.5% 10.7% 10.4% 9.68%    
...             10.8% 10.8% 10.1% 9.97% 9.43%    
              13.1% 12.8% 11.7% 11.1% 10.1%    
...             2.34% 1.92% 1.56% 1.13% 0.715%    
              83.7% 87.2% 92.2% 99.1% 106%    
              5.93% 5.43% 2.35% -1.89% -9.16%    
              10.4% 7.39% 5.50% 2.75% 3.63%    
              2,436 2,388 2,247 1,994 2,030    
              47,657 46,718 48,017 47,598 51,210    
              38.0% 41.3% 42.5% 44.0% 46.7%    
              32.7% 34.4% 38.7% 39.6% 30.8%    
... ... ... ... ...     10,697% 10,237% 9,396% 7,547% 8,608%    
              67.0% 70.0% 66.6% 68.1% 65.2%    
              31.0% 30.6% 31.1% 30.0% 26.3%    
              100% 97.3% 98.1% 97.5% 94.4%    
              45.0% 42.5% 43.9% 41.3% 33.0%    
              4.19% 0.323% 2.04% 0.701% -0.240%    

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other data Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

              349 347 348 340 346    

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Essox in Numbers

August 21, 2019
Essox in Numbers

This Annual statistical dossier offers a summary of Essox's performance between 2005 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios,

Read more »

This Annual statistical dossier offers a summary of Essox's performance between 2005 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Essox's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 28 banks in the Czech Republic in 2017, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest

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Based on a comparison of 28 banks in the Czech Republic in 2017, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest margin amounted to 44.0% in 2017, down from 53.8% when 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. The average margin in the last five years amounted to 45.3%.

Average asset yield was 49.7% in 2017, down from 59.5% when compared to previous year. On the other hand, cost of funding amounted to 9.56% in 2017, up from 8.62%.

Comparing Provident Financial Czech Republic with its closest peers, Profireal Group operated in 2017 with a net interest margin of 25.2% Profi Credit Czech reached 22.6% and Cofidis Czech Republic some 12.7%.

The average net interest margin reached 1.71% in the Czech banking sector in 2017 while interest spread amounted to 3.31%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 29 banks in the Czech Republic in 2016, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 21.1% in 2016,

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Based on a comparison of 29 banks in the Czech Republic in 2016, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 21.1% in 2016, up from 17.5% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2016, up from 0.381% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2016 with a cost to income ratio of 33.3%, Stavebni Sporitelna Ceske Sporitelny reached 35.0% and Expobank Czech Republic some 35.3%.

The average cost to income ratio reached 43.7% in the Czech banking sector in 2016.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 28 banks in the Czech Republic in 2016, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest

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Based on a comparison of 28 banks in the Czech Republic in 2016, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest margin amounted to 53.8% in 2016, up from 48.0% when 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. The average margin in the last five years amounted to 46.2%.

Average asset yield was 59.5% in 2016, up from 52.7% when compared to previous year. On the other hand, cost of funding amounted to 8.62% in 2016, up from 5.89%.

Comparing Provident Financial Czech Republic with its closest peers, Profireal Group operated in 2016 with a net interest margin of 24.8% Profi Credit Czech reached 21.4% and Cofidis Czech Republic some 13.5%.

The average net interest margin reached 1.90% in the Czech banking sector in 2016 while interest spread amounted to 3.53%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 28 banks in the Czech Republic in 2016, Profi Credit Czech had the highest share of bad loans, followed by Profireal Group and Provident Financial Czech Republic.

Profi Credit Czech's non-performing loans reached

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Based on a comparison of 28 banks in the Czech Republic in 2016, Profi Credit Czech had the highest share of bad loans, followed by Profireal Group and Provident Financial Czech Republic.

Profi Credit Czech's non-performing loans reached 73.2% of total loans at the end of 2016, up from 70.1% when compared to the previous year. Historically, the NPL ratio hit an all time high of 73.2% in 2016 and an all time low of 32.7% in 2007.

Provision coverage amounted to 67.7% at the end of 2016, up from 60.1% compared to a year earlier.

Comparing Profi Credit Czech with its closest peers, Profireal Group operated at the end of 2016 with NPL ratio of 67.7% and provision coverage of 64.9%, Provident Financial Czech Republic with 40.9% and 100% and Essox had 26.3% of bad loans covered with 94.4% by provisions at the end of 2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.59% of total loans in 2016, down from 5.48% when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
Essox's npls (as % of loans) fell 37.0% to 8.49% in 2018
Essox's net interest margin fell 28.4% to 6.12% in 2018
Essox's net profit fell 0.331% to CZK 383 mil in 2018
Essox's net interest income fell 14.2% to CZK 908 mil in 2018
Essox's customer loan growth rose 129% to 49.1% in 2018
Essox's customer loan growth rose 129% to 49.1% in 2018
Essox's customer loan growth rose 129% to 49.1% in 2018
Essox's customer deposits rose 73.3% to CZK 102 mil in 2018
Essox's corporate loans rose 90.7% to CZK 3,880 mil in 2018
Essox's customer loans rose 49.1% to CZK 9,235 mil in 2018
Essox's customer deposits rose 73.3% to CZK 102 mil in 2018
Essox's customer deposits rose 73.3% to CZK 102 mil in 2018
Essox's customer deposits rose 73.3% to CZK 102 mil in 2018
Essox's total revenues rose 6.35% to CZK 903 mil in 2018