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Expobank Czech Republic

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Expobank Czech Republic

Expobank Czech Republic (formerly known as LBBW Bank CZ) is a Czech Republic-based universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. At the end of 2014, Czech operations of LBBW have been taken over by Igor Kim and the Bank has been

Read more »
Expobank Czech Republic (formerly known as LBBW Bank CZ) is a Czech Republic-based universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. At the end of 2014, Czech operations of LBBW have been taken over by Igor Kim and the Bank has been renamed to Expobank CZ. With only 8 branches and a market share of less than 1% at the end of 2014, Expobank is a small bank. With a costs-to-income ratio in between 80-90% and ROE not exceeded 8% in the last eight years, the Bank must grow to build more some scale.

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AnnualQuarterly
summary Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

                544 487 366 303 351    
                805 772 711 552 1,139    
                121 49.5 16.7 93.4 737    
                170 6.31 20.6 105 325    

balance sheet

                537 5,099 5,390 7,157 9,755    
                23,166 23,714 14,131 12,927 12,133    
                529 521 296 604 500    
                30,049 31,466 20,781 21,799 22,826    
                2,774 2,829 2,614 2,759 3,125    
                3,930 3,600 1,312 311 684    
                20,274 22,457 16,006 17,921 18,173    
                2,514 1,704 497 526 479    

ratios

                6.17% 0.225% 0.757% 3.91% 11.0%    
                0.591% 0.021% 0.079% 0.494% 1.46%    
                2.37% 2.35% 2.66% 2.15% 1.80%    
                85.0% 93.6% 97.7% 83.1% 35.3%    
                14.9% 15.8% 24.8% 25.1% 28.5%    
                1.89% 1.58% 1.40% 1.43% 1.57%    
                67.6% 63.1% 51.4% 55.0% 30.8%    
                13.9% 15.5% 16.1% 18.1% 6.67%    
                56.6% 55.7% 55.4% 51.5% 54.2%    
                9.23% 8.99% 12.6% 12.7% 13.7%    
                114% 106% 88.3% 72.1% 66.8%    
                77.1% 75.4% 68.0% 59.3% 53.2%    
                9.53% 11.9% 3.44% 5.55% 6.47%    
                31.0% 25.0% 61.6% 29.4% 28.9%    

Download Data
income statement Unit
2004 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
                1,046 965 784 509 509    
                502 478 418 206 158    
                544 487 366 303 351    
                112 120 115 99.8 76.0    
                149 165 231 149 712    
                805 772 711 552 1,139    
                387 403 385 236 218    
                79.0 77.7 92.6 63.1 53.0    
                218 242 217 159 131    
                684 723 694 459 402    
                121 49.5 16.7 93.4 737    
                19.7 16.7 -42.4 -16.3 287    
                0 < -0.001 0 < 0.001 30.0    
                101 32.8 59.1 110 420    
                26.3 26.5 38.5 4.54 95.5    
                0 0 0 0 0    
                170 6.31 20.6 105 325    

growth rates

...               -8.05% -10.5% -24.9% -17.1% 15.7%    
...               2.02% 7.04% -4.44% -12.9% -23.9%    
...               17.7% -4.13% -7.90% -22.4% 106%    
...               2.85% 5.58% -3.90% -34.0% -12.3%    
...               553% -59.1% -66.3% 460% 689%    
...               45.5% -67.6% 80.0% 85.6% 283%    
...               841% -96.3% 226% 410% 209%    

market share

                0.482% 0.459% 0.424% 0.317% 0.632%    
          ...     0.265% 0.010% 0.033% 0.158% 0.442% ...  
                0.906% 0.884% 0.800% 0.520% 0.485%    
... ... ... ...         0.856% 0.808% 0.361% 0.370% 0.391%    

Download Data
balance sheet Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

                4,903 228 205 468 227    
                537 5,099 5,390 7,157 9,755    
                23,166 23,714 14,131 12,927 12,133    
... ... ...           7,286 8,762 9,422 8,224 6,129    
... ... ...           6,100 7,862 8,722 7,674 6,465    
... ... ...           1,186 900 700 550 445    
... ... ...           14,333 12,806 4,350 4,275 5,060    
                529 521 296 604 500    
                658 744 657 594 105    
                30,049 31,466 20,781 21,799 22,826    
                2,774 2,829 2,614 2,759 3,125    
                0 0 0 0 0    
                27,275 28,638 18,167 19,040 19,701    
                3,930 3,600 1,312 311 684    
                20,274 22,457 16,006 17,921 18,173    
... ... ...           12,878 13,293 10,567 12,442 14,756    
... ... ...           4,950 6,779 4,135 3,786 2,988    
... ... ... ... ... ... ... ... ... 19,062 14,040 16,238 16,838    
... ... ... ... ... ... ... ... ... 3,395 1,966 1,683 1,335    
                2,514 1,704 497 526 479    
                558 876 352 281 366    

asset quality

                2,275 2,913 496 730 799    
                23,871 24,442 14,434 13,142 12,364    
                705 728 306 215 231    

growth rates

...               15.1% 2.37% -40.4% -8.52% -6.14%    
... ... ... ...         34.3% 20.2% 7.54% -12.7% -25.5%    
... ... ... ...         32.6% 28.9% 10.9% -12.0% -15.8%    
... ... ... ...         44.1% -24.1% -22.2% -21.4% -19.1%    
... ... ... ...         2.84% -10.7% -66.0% -1.73% 18.4%    
...               8.85% 4.72% -34.0% 4.90% 4.71%    
...               1.06% 1.97% -7.60% 5.56% 13.3%    
...               9.47% 10.8% -28.7% 12.0% 1.40%    
... ... ... ...         2.87% 3.22% -20.5% 17.7% 18.6%    
... ... ... ...         5.85% 37.0% -39.0% -8.44% -21.1%    

market share

                0.982% 0.943% 0.536% 0.465% 0.411%    
... ... ...           1.72% 1.48% 0.497% 0.464% 0.519%    
... ... ...           0.365% 0.272% 0.212% 0.156% 0.121%    
... ... ...           0.642% 0.741% 0.766% 0.621% 0.432%    
... ... ...           0.753% 0.922% 0.969% 0.790% 0.614%    
                0.649% 0.605% 0.386% 0.393% 0.379%    
                0.648% 0.672% 0.466% 0.509% 0.482%    
... ... ...           0.727% 0.733% 0.549% 0.611% 0.668%    
... ... ...           0.691% 0.873% 0.493% 0.411% 0.326%    

Download Data
ratios Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

                6.17% 0.225% 0.757% 3.91% 11.0%    
                0.591% 0.021% 0.079% 0.494% 1.46%    
                2.37% 2.35% 2.66% 2.15% 1.80%    
                85.0% 93.6% 97.7% 83.1% 35.3%    
                14.9% 15.8% 24.8% 25.1% 28.5%    
                12.6% 15.8% 24.8% 25.1% 28.5%    
                1.89% 1.58% 1.40% 1.43% 1.57%    
...               1.70% 1.43% 1.21% 1.29% 1.47%    
                3.63% 3.14% 3.00% 2.39% 2.28%    
...               1.93% 1.71% 1.79% 1.11% 0.816%    
                67.6% 63.1% 51.4% 55.0% 30.8%    
                13.9% 15.5% 16.1% 18.1% 6.67%    
                18.5% 21.4% 32.4% 26.9% 62.5%    
                4,521 4,819 4,647 3,853 3,618    
                88,433 94,279 99,326 91,979 91,290    
                56.6% 55.7% 55.4% 51.5% 54.2%    
                9.23% 8.99% 12.6% 12.7% 13.7%    
                114% 106% 88.3% 72.1% 66.8%    
                77.1% 75.4% 68.0% 59.3% 53.2%    
                9.53% 11.9% 3.44% 5.55% 6.47%    
                31.0% 25.0% 61.6% 29.4% 28.9%    
                3.04% 3.07% 2.16% 1.66% 1.91%    
                0.091% 0.071% -0.224% -0.120% 2.29%    

Download Data
other data Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

... ... ... ...         18.0 18.0 8.00 8.00 8.00    
                365 356 323 214 199    
... ... ... ... ... ... ... ... 0.030 ... ... ... ... ... ...
... ... ... ... ... ... ... ... ... 84.9% 87.7% 90.6% 92.7%    

Download Data
Expobank Czech Republic in Quarterly Numbers

This Quarterly statistical dossier offers a summary of Expobank Czech Republic's performance between Mar 04 and Mar 19 on an quarterly 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

Read more »

This Quarterly statistical dossier offers a summary of Expobank Czech Republic's performance between Mar 04 and Mar 19 on an quarterly 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 Expobank CR'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.

Expobank Czech Republic in Numbers

This Annual statistical dossier offers a summary of Expobank Czech Republic's performance between 2004 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,

Read more »

This Annual statistical dossier offers a summary of Expobank Czech Republic's performance between 2004 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 Expobank CR'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.

Comparison of 22 Banks in Czech Republic

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

Read more »

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

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

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 24 Banks in Czech Republic

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

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

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Czech Banking - Analysis of 3Q2014

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In

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This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.

The key points are:

  • Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
  • Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
  • The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
  • In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
  • The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.

The report is free to download, just register at our webpage.

Expobank CR - Analysis of 3Q2014 Performance

This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

Write-offs drive Expobank's net in 3Q2014

Expobank CZ reported a net profit of CZK 29.7 mil. in 3Q14

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This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

Write-offs drive Expobank's net in 3Q2014

Expobank CZ reported a net profit of CZK 29.7 mil. in 3Q14 compared to a loss of CZK 4.2 mil. a year ago. The quarterly profit was achieved through a provision write-back only as CZK 38 mil. operating loss was made in 3Q2014.

The overall picture remains the same -  of a small universal bank with an unclear strategy, little profitability and high cost inefficiency.

3Q14 provides details of the bank's takeover

Not that the above matters. The bank (previously known as LBBW) was taken over by Russia's Expobank at the beginning of September, so the historical performance matters less than the bank's future plans.

The third quarter also exhibits some details of the takeover deal – the bank's balance sheet was cut by a third in terms of loans and 15% in terms of deposits. As a result, net interest income fell 18% while net fees fell by more than half. Serving a number of German corporations operating on the Czech market, the departure of some of the bank's client base and balance sheet must have been a part of the takeover deal:

More importantly, however, the new bank is short of more than 80% of its non-performing loans. Within the 3rd quarter, the bank lost CZK 2.2 bil. of bad loans. As a result, the share of non-performing loans dropped from 11.7% in the middle of the year to 3.3% at the end of September.

In addition, provision coverage jumped nicely in spite of the CZK 109 provision write-back. At the end of September, loan provisions covered 61% of NPLs, up from 23% a quarter ago.

Well capitalized and funded for a new start

Following the balance sheet earthquake, the bank's capital adequacy increased 431 bp to 22.8% while loans dropped from 105% to 82% of deposits. This looks like a very solid position for a new start of a new bank.

You will find more details about the bank at www.helgilibrary.com/companies

LBBW CZ at a Glance

January 27, 2014
LBBW CZ at a Glance

LBBW Bank CZ is a Czech Republic-based mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive

Read more »

LBBW Bank CZ is a Czech Republic-based mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the bank lacks scale. With only 19 branches and a market share of less than 1%, LBBW Bank needs to grow as its cost-efficiency is very low (the costs-to-income ratio has been varying between 80 and 90% in the last five years) and profitability is weak (its ROE has not exceeded 8% in the last eight years).

This report offers a summary of the company's performance in 2004-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector

LBBW Czech Republic in Numbers

LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the

Read more »
LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the bank lacks scale. With only 19 branches and a market share of less than 1%, LBBW Bank needs to grow as its cost-efficiency is very low (the costs-to-income ratio has been varying between 80 and 90% in the last five years) and profitability is weak (its ROE has not exceeded 8% in the last eight years).

This excel file offers a summary of the company's performance in between 1Q2004-1Q2013, both on the quarterly as well as the annual basis. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector.

LBBW Czech Republic at a Glance

LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009),

Read more »

LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the bank lacks scale. With only 19 branches and a market share of less than 1%, LBBW Bank needs to grow as its cost-efficiency is very low (the costs-to-income ratio has been varying between 80 and 90% in the last five years) and profitability is weak (its ROE has not exceeded 8% in the last eight years).

This report offers a summary of the company's performance in 2008-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector.

Analysis of Mortgage Lending in 1Q13

This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage

Read more »

This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage business for each bank.

This report provides a summary of the development in the 1Q2013. The key highlights are:

  • Mortgage loans increased by less than 1% qoq in the seasonally weakest quarter of the year, but the overall momentum stabilized. The annual increase remained unchanged at 6.3% yoy and sales of new loans of CZK 27.8 bil were nearly as high as in the same quarter last year:
  • Mortgage loans reached 18.2% of GDP at the end of March 2013, or more than a third of bank loans when other housing loans are included. Nearly 15% of Czech households have a mortgage loan now, while more than 14% of residential dwellings were financed through a mortgage loan, according to our calculations.
  • The average interest rate on mortgage loans continues to decline in line with the overall market trends. It reached 3.17% in 1Q13 while the average interest rate on the total mortgage loan stock dropped below 4.5%. This would imply that new loans were sold still with a decent 220 bp margin over a 5-year swap in 1Q13.
  • The share of non-performing loans increased slightly in the 1Q13, from 3.16% to 3.30% of total mortgage loans at the end of March. This is a result of the overall low indebtedness of Czech households, strict lending procedures and only a mild fall in real estate prices. Czech housing affordability remains one of the best in Europe.
  • As mortgage loans have grown to a sizable amount, the business  has become much more cost-efficient and profitable. We estimate mortgage business generates ROE of over 20% and contributes around 15% to the banking sector’s bottom line. LBBW and Raiffeisen seem to generate over 20% of their profits from mortgages when Hypoteční Banka’s results are taken as a guide.
  • The three largest banks (ČSOB, Česká Spořitelna and Komerční banka) further cemented their market position in 1Q13 taking their share to 65.4%.  ČSOB remains the leader closely followed by Spořitelna. In 1Q13, Raiffeisen confirmed its turnaround while GE Money Bank continued losing its market position the most.

Based on a comparison of 22 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by J&T Banka and PPF Banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans

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Based on a comparison of 22 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by J&T Banka and PPF Banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at the end of 2017, up from 24.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.

Provision coverage amounted to 10.7% at the end of 2017, up from 10.0% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, J&T Banka operated at the end of 2017 with NPL ratio of 10.7% and provision coverage of 39.3%, PPF Banka with 10.4% and 29.9% and Banka Creditas had 9.76% of bad loans covered with 17.6% by provisions at the end of 2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.74% of total loans in 2017, down from 4.59% 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.

Based on a comparison of 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.

Moravsky Penezni Ustav's non-performing loans reached 24.4% of total

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Based on a comparison of 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.

Moravsky Penezni Ustav's non-performing loans reached 24.4% of total loans at the end of 2016, down from 39.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.

Provision coverage amounted to 11.9% at the end of 2016, down from 13.3% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, Banka Creditas operated at the end of 2016 with NPL ratio of 11.9% and provision coverage of 30.5%, J&T Banka with 10.0% and 34.2% and Fio banka had 9.94% of bad loans covered with 15.5% 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.

Based on a comparison of 22 banks in the Czech Republic in 2018, PPF Banka had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.

PPF Banka's non-performing loans reached 12.9% of total loans at

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Based on a comparison of 22 banks in the Czech Republic in 2018, PPF Banka had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.

PPF Banka's non-performing loans reached 12.9% of total loans at the end of 2018, up from 10.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 12.9% in 2018 and an all time low of 0.310% in 2006.

Provision coverage amounted to 9.28% at the end of 2018, down from 9.76% compared to a year earlier.

Comparing PPF Banka with its closest peers, Banka Creditas operated at the end of 2018 with NPL ratio of 9.28% and provision coverage of 21.9%, Wustenrot Stavebni Sporitelna with 7.91% and 70.3% and Expobank Czech Republic had 5.96% of bad loans covered with 56.2% by provisions at the end of 2018.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.25% of total loans in 2018, down from 3.74% 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.

Based on a comparison of 22 banks in the Czech Republic in 2018, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Air Bank.

MONETA Money Bank's net interest margin amounted to 3.64% in 2018,

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Based on a comparison of 22 banks in the Czech Republic in 2018, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Air Bank.

MONETA Money Bank's net interest margin amounted to 3.64% in 2018, down from 4.22% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 7.26% in 2006 and an all time low of 3.07% in 2001. The average margin in the last five years amounted to 5.38%.

Average asset yield was 3.85% in 2018, down from 4.34% when compared to previous year. On the other hand, cost of funding amounted to 0.231% in 2018, up from 0.147%.

Comparing MONETA Money Bank with its closest peers, Equa Bank operated in 2018 with a net interest margin of 3.20% Air Bank reached 2.61% and Sberbank Czech Republic some 2.21%.

The average net interest margin reached 1.80% in the Czech banking sector in 2018 while interest spread amounted to %.

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.

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Expobank CR's customer loans fell 21.0% to CZK 6,342 mil in 1Q2019
Expobank CR's mortgage loans fell 10.7% to CZK 1,800 mil in 1Q2019
Expobank CR's mortgage loans fell 10.7% to CZK 1,800 mil in 1Q2019
Expobank CR's net interest margin fell 2.15% to 2.20% in 1Q2019
Expobank CR's capital adequacy ratio rose 0.544% to 24.0% in 1Q2019
Expobank CR's retail loans fell 4.22% to CZK 2,169 mil in 1Q2019
Expobank CR's corporate loans fell 22.5% to CZK 4,467 mil in 1Q2019
Expobank CR's net profit fell 85.3% to CZK 16.7 mil in 1Q2019
Expobank CR's consumer loans fell 10.0% to CZK 225 mil in 1Q2019
Expobank CR's consumer loans fell 10.0% to CZK 225 mil in 1Q2019
Expobank CR's npls (as % of loans) fell 17.6% to 4.91% in 1Q2019
Expobank CR's total revenues fell 47.9% to CZK 156 mil in 1Q2019
Expobank CR's total revenues fell 47.9% to CZK 156 mil in 1Q2019
Expobank CR's customer deposits fell 6.97% to CZK 13,909 mil in 1Q2019
Expobank CR's employees rose 7.37% to 204 in 1Q2019
Expobank CR's retail deposits fell 11.1% to CZK 9,433 mil in 1Q2019
Expobank CR's costs (as % of assets) fell 26.4% to 2.13% in 1Q2019
Expobank CR's costs (as % of assets) fell 26.4% to 2.13% in 1Q2019
Expobank CR's corporate deposits fell 4.02% to CZK 3,893 mil in 1Q2019
Expobank CR's net interest income fell 3.55% to CZK 125 mil in 1Q2019
Expobank CR's equity (as % of assets) rose 21.7% to 13.7% in 1Q2019
Expobank CR's equity (as % of assets) rose 21.7% to 13.7% in 1Q2019
Expobank CR's retail loan growth rose 9.91% to -40.6% in 1Q2019
Expobank CR's Cost of Risk rose 166% to 0.260% in 1Q2019
Expobank CR's customer loan growth fell 10.4% to -13.1% in 1Q2019
Expobank CR's customer loan growth fell 10.4% to -13.1% in 1Q2019
Expobank CR's customer loans fell 11.9% to CZK 8,027 mil in 2018
Expobank CR's employees fell 4.65% to 205 in 2018
Expobank CR's capital adequacy ratio fell 15.2% to 23.9% in 2018
Expobank CR's capital adequacy ratio fell 15.2% to 23.9% in 2018
Expobank CR's net profit rose 383% to CZK 201 mil in 2018
Expobank CR's npls (as % of loans) rose 33.0% to 5.96% in 2018
Expobank CR's corporate loans rose 13.6% to CZK 5,762 mil in 2018
Expobank CR's consumer loans fell 18.6% to CZK 250 mil in 2018
Expobank CR's mortgage loans fell 46.0% to CZK 2,015 mil in 2018
Expobank CR's corporate loans rose 13.6% to CZK 5,762 mil in 2018
Expobank CR's corporate loans rose 13.6% to CZK 5,762 mil in 2018
Expobank CR's net interest margin rose 23.6% to 1.72% in 2018
Expobank CR's total revenues rose 28.5% to CZK 712 mil in 2018
Expobank CR's customer deposits fell 7.76% to CZK 14,951 mil in 2018
Expobank CR's retail deposits fell 18.5% to CZK 10,610 mil in 2018
Expobank CR's retail deposits fell 18.5% to CZK 10,610 mil in 2018
Expobank CR's costs (as % of assets) rose 1.87% to 2.02% in 2018
Expobank CR's corporate deposits rose 40.5% to CZK 4,056 mil in 2018
Expobank CR's retail loan growth fell 28.9% to -43.9% in 2018
Expobank CR's retail loan growth fell 28.9% to -43.9% in 2018
Expobank CR's net interest income rose 29.0% to CZK 432 mil in 2018
Expobank CR's net interest income rose 29.0% to CZK 432 mil in 2018
Expobank CR's customer loan growth rose 52.2% to -11.9% in 2018
Expobank CR's customer loan growth rose 52.2% to -11.9% in 2018
Expobank CR's provisions (as % of loans) fell 4.75% to 3.72% in 3Q2018