By Helgi Analytics - November 22, 2022
Fio banka made a net profit of CZK 1,270 mil in the third quarter of 2022, up 100% when compared to the same period of last year....
By Helgi Analytics - November 22, 2022
Fio banka made a net profit of CZK 1,270 mil under revenues of CZK 1,738 mil in the third quarter of 2022, up 100% and 79.8% ...
By Helgi Analytics - November 22, 2022
Fio banka's net interest margin amounted to 2.58% in the third quarter of 2022, up from 2.38% when compared to the previous quar...
Profit Statement | 2019 | 2020 | 2021 | |
Net Interest Income | CZK mil | 2,398 | 2,007 | 2,494 |
Net Fee Income | CZK mil | 376 | 433 | 524 |
Other Income | CZK mil | 555 | 602 | 769 |
Total Revenues | CZK mil | 3,328 | 3,064 | 3,787 |
Staff Cost | CZK mil | 108 | 131 | 160 |
Operating Profit | CZK mil | 2,531 | 2,096 | 2,726 |
Provisions | CZK mil | 306 | 636 | -111 |
Net Profit | CZK mil | 1,803 | 1,177 | 2,338 |
Balance Sheet | 2019 | 2020 | 2021 | |
Interbank Loans | CZK mil | 2,097 | 1,915 | 50,646 |
Customer Loans | CZK mil | 20,148 | 26,145 | 37,454 |
Investments | CZK mil | 4,358 | 68,763 | 118,082 |
Total Assets | CZK mil | 146,770 | 182,537 | 214,685 |
Shareholders' Equity | CZK mil | 4,454 | 5,602 | 7,940 |
Interbank Borrowing | CZK mil | 233 | 224 | 0 |
Customer Deposits | CZK mil | 140,442 | 174,860 | 203,626 |
Issued Debt Securities | CZK mil | 90.0 | 90.0 | 589 |
Ratios | 2019 | 2020 | 2021 | |
ROE | % | 50.8 | 23.4 | 34.5 |
ROA | % | 1.33 | 0.715 | 1.18 |
Costs (As % Of Assets) | % | 0.588 | 0.588 | 0.534 |
Costs (As % Of Income) | % | 24.0 | 31.6 | 28.0 |
Capital Adequacy Ratio | % | 18.2 | 21.1 | 22.6 |
Net Interest Margin | % | 1.77 | 1.22 | 1.26 |
Loans (As % Of Deposits) | % | 14.3 | 15.0 | 18.4 |
NPLs (As % Of Loans) | % | 10.8 | 13.6 | 8.41 |
Provisions (As % Of NPLs) | % | 39.5 | 42.1 | 41.2 |
Growth Rates | 2019 | 2020 | 2021 | |
Total Revenue Growth | % | 54.4 | -7.95 | 23.6 |
Operating Cost Growth | % | 16.3 | 21.4 | 9.61 |
Operating Profit Growth | % | 72.2 | -17.2 | 30.0 |
Net Profit Growth | % | 75.3 | -34.8 | 98.7 |
Customer Loan Growth | % | 33.1 | 29.8 | 43.3 |
Total Asset Growth | % | 17.9 | 24.4 | 17.6 |
Customer Deposit Growth | % | 16.5 | 24.5 | 16.5 |
Shareholders' Equity Growth | % | 68.6 | 25.8 | 41.7 |
Employees | 72.0 | 86.0 | 91.0 |
Get all company financials in excel:
summary | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
income statement | ||||||||||||||||||||
Net Interest Income | CZK mil | 395 | 431 | 561 | 1,303 | 2,398 | ||||||||||||||
Total Revenues | CZK mil | 1,013 | 743 | 1,493 | 2,155 | 3,328 | ||||||||||||||
Operating Profit | CZK mil | 447 | 156 | 871 | 1,470 | 2,531 | ||||||||||||||
Net Profit | CZK mil | 52.9 | 178 | 408 | 1,028 | 1,803 | ||||||||||||||
balance sheet | ||||||||||||||||||||
Interbank Loans | CZK mil | 1,664 | 1,454 | 2,064 | 1,810 | 2,097 | ||||||||||||||
Customer Loans | CZK mil | 13,287 | 13,801 | 13,147 | 15,134 | 20,148 | ||||||||||||||
Investments | CZK mil | 8,309 | 5,013 | 4,406 | 4,335 | 4,358 | ||||||||||||||
Total Assets | CZK mil | 57,611 | 80,480 | 107,574 | 124,500 | 146,770 | ||||||||||||||
Shareholders' Equity | CZK mil | 1,056 | 1,251 | 1,659 | 2,642 | 4,454 | ||||||||||||||
Interbank Borrowing | CZK mil | 649 | 172 | 173 | 237 | 233 | ||||||||||||||
Customer Deposits | CZK mil | 55,320 | 77,876 | 103,711 | 120,583 | 140,442 | ||||||||||||||
Issued Debt Securities | CZK mil | 0 | 0 | 90.0 | 90.0 | 90.0 | ||||||||||||||
ratios | ||||||||||||||||||||
ROE | % | ... | 5.14 | 15.5 | 28.1 | 47.8 | 50.8 | |||||||||||||
ROA | % | ... | 0.107 | 0.258 | 0.434 | 0.886 | 1.33 | |||||||||||||
Costs (As % Of Assets) | % | ... | 1.15 | 0.850 | 0.661 | 0.591 | 0.588 | |||||||||||||
Costs (As % Of Income) | % | 55.9 | 79.0 | 41.6 | 31.8 | 24.0 | ||||||||||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 12.3 | 11.2 | 12.5 | 15.3 | 18.2 | |||||||
Net Interest Margin | % | ... | 0.802 | 0.624 | 0.597 | 1.12 | 1.77 | |||||||||||||
Interest Income (As % Of Revenues) | % | 39.0 | 58.0 | 37.6 | 60.5 | 72.0 | ||||||||||||||
Fee Income (As % Of Revenues) | % | 27.8 | 34.1 | 23.9 | 14.8 | 11.3 | ||||||||||||||
Staff Cost (As % Of Total Cost) | % | 6.83 | 4.98 | 5.20 | 6.15 | 13.6 | ||||||||||||||
Equity (As % Of Assets) | % | 1.83 | 1.55 | 1.54 | 2.12 | 3.03 | ||||||||||||||
Loans (As % Of Deposits) | % | 24.0 | 17.7 | 12.7 | 12.6 | 14.3 | ||||||||||||||
Loans (As % Assets) | % | 23.1 | 17.1 | 12.2 | 12.2 | 13.7 | ||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 11.4 | 9.94 | 7.92 | 5.59 | 10.8 | |||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.8 | 15.5 | 48.7 | 63.2 | 39.5 |
income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
income statement | ||||||||||||||||||||
Interest Income | CZK mil | 497 | 504 | 628 | 1,562 | 2,920 | ||||||||||||||
Interest Cost | CZK mil | 102 | 73.5 | 66.6 | 259 | 522 | ||||||||||||||
Net Interest Income | CZK mil | 395 | 431 | 561 | 1,303 | 2,398 | ||||||||||||||
Net Fee Income | CZK mil | 282 | 253 | 357 | 318 | 376 | ||||||||||||||
Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 603 | ||
Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 227 | ||
Other Income | CZK mil | 336 | 58.7 | 575 | 534 | 555 | ||||||||||||||
Total Revenues | CZK mil | 1,013 | 743 | 1,493 | 2,155 | 3,328 | ||||||||||||||
Staff Cost | CZK mil | 38.7 | 29.2 | 32.3 | 42.1 | 108 | ||||||||||||||
Depreciation | CZK mil | 6.85 | 6.92 | 8.62 | 7.97 | 51.6 | ||||||||||||||
Other Cost | CZK mil | 521 | 551 | 581 | 635 | 638 | ||||||||||||||
Operating Cost | CZK mil | 566 | 587 | 622 | 685 | 797 | ||||||||||||||
Operating Profit | CZK mil | 447 | 156 | 871 | 1,470 | 2,531 | ||||||||||||||
Provisions | CZK mil | 355 | -61.9 | 393 | 217 | 306 | ||||||||||||||
Extra and Other Cost | CZK mil | 0 | 0 | -1.99 | -4.07 | -0.640 | ||||||||||||||
Pre-Tax Profit | CZK mil | 92.2 | 218 | 481 | 1,257 | 2,225 | ||||||||||||||
Tax | CZK mil | 39.3 | 39.2 | 72.7 | 229 | 422 | ||||||||||||||
Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
Net Profit | CZK mil | 52.9 | 178 | 408 | 1,028 | 1,803 | ||||||||||||||
Net Profit Avail. to Common | CZK mil | 52.9 | 178 | 408 | 1,028 | 1,803 | ||||||||||||||
growth rates | ||||||||||||||||||||
Net Interest Income Growth | % | ... | 54.7 | 9.12 | 30.2 | 132 | 84.0 | |||||||||||||
Net Fee Income Growth | % | ... | 11.4 | -10.1 | 40.9 | -10.8 | 18.0 | |||||||||||||
Total Revenue Growth | % | ... | 31.9 | -26.7 | 101 | 44.4 | 54.4 | |||||||||||||
Operating Cost Growth | % | ... | 8.52 | 3.72 | 5.84 | 10.3 | 16.3 | |||||||||||||
Operating Profit Growth | % | ... | 81.3 | -65.1 | 460 | 68.7 | 72.2 | |||||||||||||
Pre-Tax Profit Growth | % | ... | 78.3 | 136 | 121 | 161 | 77.1 | |||||||||||||
Net Profit Growth | % | ... | 30.7 | 237 | 129 | 152 | 75.3 | |||||||||||||
market share | ||||||||||||||||||||
Market Share in Revenues | % | 0.582 | 0.412 | 0.833 | 1.13 | 1.65 | ||||||||||||||
Market Share in Net Profit | % | 0.080 | 0.241 | 0.542 | 1.26 | 1.98 | ||||||||||||||
Market Share in Employees | % | ... | ... | ... | ... | ... | 0.185 | 0.129 | 0.117 | 0.127 | 0.173 | |||||||||
Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | 4.06 | 4.55 | 4.94 | 5.22 | 5.48 | ... |
balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
balance sheet | ||||||||||||||||||||
Cash & Cash Equivalents | CZK mil | 31,964 | 58,842 | 86,780 | 101,908 | 118,148 | ||||||||||||||
Interbank Loans | CZK mil | 1,664 | 1,454 | 2,064 | 1,810 | 2,097 | ||||||||||||||
Customer Loans | CZK mil | 13,287 | 13,801 | 13,147 | 15,134 | 20,148 | ||||||||||||||
Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4,617 | 4,465 | 5,370 | 5,198 | 7,161 | |||||||
Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 8,669 | 9,336 | 7,776 | 9,936 | 12,988 | |||||||
Investments | CZK mil | 8,309 | 5,013 | 4,406 | 4,335 | 4,358 | ||||||||||||||
Property and Equipment | CZK mil | 13.5 | 17.8 | 17.4 | 14.5 | 244 | ||||||||||||||
Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.20 | ||
Total Assets | CZK mil | 57,611 | 80,480 | 107,574 | 124,500 | 146,770 | ||||||||||||||
Shareholders' Equity | CZK mil | 1,056 | 1,251 | 1,659 | 2,642 | 4,454 | ||||||||||||||
Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
Liabilities | CZK mil | 56,555 | 79,229 | 105,915 | 121,857 | 142,317 | ||||||||||||||
Interbank Borrowing | CZK mil | 649 | 172 | 173 | 237 | 233 | ||||||||||||||
Customer Deposits | CZK mil | 55,320 | 77,876 | 103,711 | 120,583 | 140,442 | ||||||||||||||
Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 51,955 | 73,564 | 99,697 | 116,504 | 136,106 | ... | ||
Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,365 | 4,312 | 4,014 | 4,080 | 4,336 | ... | ||
Issued Debt Securities | CZK mil | 0 | 0 | 90.0 | 90.0 | 90.0 | ||||||||||||||
Other Liabilities | CZK mil | 586 | 1,181 | 1,941 | 948 | 1,551 | ||||||||||||||
asset quality | ||||||||||||||||||||
Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,548 | 1,393 | 1,083 | 878 | 2,176 | |||||||
Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 13,593 | 14,017 | 13,674 | 15,689 | 20,148 | |||||||
Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,933 | 11,517 | 13,377 | 17,133 | 23,797 | ||||
Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 306 | 215 | 527 | 555 | 861 | |||||||
growth rates | ||||||||||||||||||||
Customer Loan Growth | % | ... | 26.3 | 3.87 | -4.74 | 15.1 | 33.1 | |||||||||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 4.03 | -3.29 | 20.3 | -3.22 | 37.8 | ||||||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 42.5 | 7.69 | -16.7 | 27.8 | 30.7 | ||||||
Total Asset Growth | % | ... | 40.9 | 39.7 | 33.7 | 15.7 | 17.9 | |||||||||||||
Shareholders' Equity Growth | % | ... | 5.27 | 18.5 | 32.6 | 59.3 | 68.6 | |||||||||||||
Customer Deposit Growth | % | ... | 41.6 | 40.8 | 33.2 | 16.3 | 16.5 | |||||||||||||
market share | ||||||||||||||||||||
Market Share in Customer Loans | % | 0.478 | 0.468 | 0.426 | 0.458 | 0.584 | ||||||||||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.941 | 0.957 | 0.761 | 0.920 | 1.16 | |||||||
Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.349 | 0.314 | 0.351 | 0.316 | 0.410 | |||||||
Market Share in Total Assets | % | 1.04 | 1.34 | 1.52 | 1.70 | 1.94 | ||||||||||||||
Market Share in Customer Deposits | % | 1.57 | 2.07 | 2.49 | 2.71 | 2.96 |
ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
ROE | % | ... | 5.14 | 15.5 | 28.1 | 47.8 | 50.8 | |||||||||||||
ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.06 | 11.6 | 21.9 | 44.9 | 58.7 | |||
ROA | % | ... | 0.107 | 0.258 | 0.434 | 0.886 | 1.33 | |||||||||||||
Return on Loans | % | ... | 0.444 | 1.32 | 3.03 | 7.27 | 10.2 | |||||||||||||
Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.15 | 1.52 | 7.00 | 9.64 | 12.4 | |||
Costs (As % Of Assets) | % | ... | 1.15 | 0.850 | 0.661 | 0.591 | 0.588 | |||||||||||||
Costs (As % Of Income) | % | 55.9 | 79.0 | 41.6 | 31.8 | 24.0 | ||||||||||||||
Costs (As % Of Loans) | % | ... | 4.76 | 4.34 | 4.61 | 4.85 | 4.52 | |||||||||||||
Costs (As % Of Loans & Deposits) | % | ... | 0.958 | 0.733 | 0.596 | 0.543 | 0.538 | |||||||||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 12.3 | 11.2 | 12.5 | 15.3 | 18.2 | |||||||
Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.2 | 10.3 | 11.8 | 14.7 | 17.8 | ||||
Net Interest Margin | % | ... | 0.802 | 0.624 | 0.597 | 1.12 | 1.77 | |||||||||||||
Interest Spread | % | ... | 0.797 | 0.622 | 0.596 | 1.12 | 1.76 | |||||||||||||
Asset Yield | % | ... | 1.01 | 0.731 | 0.668 | 1.35 | 2.15 | |||||||||||||
Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.7 | 7.27 | 12.0 | 14.1 | 16.3 | |||
Cost Of Liabilities | % | ... | 0.212 | 0.108 | 0.072 | 0.228 | 0.395 | |||||||||||||
Interest Income (As % Of Revenues) | % | 39.0 | 58.0 | 37.6 | 60.5 | 72.0 | ||||||||||||||
Fee Income (As % Of Revenues) | % | 27.8 | 34.1 | 23.9 | 14.8 | 11.3 | ||||||||||||||
Other Income (As % Of Revenues) | % | 33.2 | 7.91 | 38.5 | 24.8 | 16.7 | ||||||||||||||
Staff Cost (As % Of Total Cost) | % | 6.83 | 4.98 | 5.20 | 6.15 | 13.6 | ||||||||||||||
Equity (As % Of Assets) | % | 1.83 | 1.55 | 1.54 | 2.12 | 3.03 | ||||||||||||||
Equity (As % Of Loans) | % | 7.95 | 9.07 | 12.6 | 17.5 | 22.1 | ||||||||||||||
Loans (As % Of Deposits) | % | 24.0 | 17.7 | 12.7 | 12.6 | 14.3 | ||||||||||||||
Loans (As % Assets) | % | 23.1 | 17.1 | 12.2 | 12.2 | 13.7 | ||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 11.4 | 9.94 | 7.92 | 5.59 | 10.8 | |||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.8 | 15.5 | 48.7 | 63.2 | 39.5 | |||||
Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 2.30 | 1.56 | 4.01 | 3.67 | 4.27 | |||||||
Cost of Provisions (As % Of Loans) | % | ... | 2.98 | -0.457 | 2.91 | 1.54 | 1.74 |
other data | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
Branches | ... | ... | ... | ... | ... | ... | ... | 88.0 | 93.0 | 96.0 | 102 | 104 | ||||||||
ATMs | ... | ... | ... | ... | ... | ... | ... | ... | 157 | 159 | 168 | 179 | ... | ... | ... | |||||
ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | 178 | 171 | 175 | 175 | ... | ... | ... | ||||
Employees | ... | ... | ... | ... | ... | 76.0 | 53.0 | 49.0 | 53.0 | 72.0 | ||||||||||
Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | 0.864 | 0.570 | 0.510 | 0.520 | 0.692 | ||||||||
Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 1,776 | 1,821 | 2,343 | 3,029 | 5,551 | |||||||||
Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | 42,395 | 45,950 | 54,988 | 66,272 | 125,131 |
customer breakdown | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
Customers | mil | ... | ... | ... | ... | ... | 0.555 | 0.670 | 0.785 | 0.900 | 0.950 | |||||||||
Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | 1,444,000 | ... | |||
Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 1,825 | 1,109 | 1,902 | 2,395 | 3,503 | |||||||||
Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 95.3 | 266 | 520 | 1,143 | 1,898 | |||||||||
Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 23,940 | 20,599 | 16,748 | 16,815 | 21,209 | |||||||||
Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 99,676 | 116,233 | 132,116 | 133,981 | 147,834 | |||||||||
Revenue per Customer | USD | ... | ... | ... | ... | ... | 76.5 | 43.9 | 81.1 | 109 | 155 | |||||||||
Net Profit per Customer | USD | ... | ... | ... | ... | ... | 3.99 | 10.6 | 22.2 | 52.2 | 84.2 | |||||||||
Loan per Customer | USD | ... | ... | ... | ... | ... | 964 | 803 | 787 | 748 | 938 | |||||||||
Deposit per Customer | USD | ... | ... | ... | ... | ... | 4,015 | 4,533 | 6,205 | 5,964 | 6,535 |
Get all company financials in excel:
By Helgi Analytics - November 22, 2022
Fio banka generated total banking revenues of CZK 1,720 mil in 2022-06-30, up 24.2% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% when compared to the last year....
By Helgi Analytics - November 22, 2022
Fio banka's customer loans reached CZK 37,969 mil in 2022-09-30, up 1.14% compared to the previous year. Czech banking sector provided customer loans of CZK 4,064 bil in 2022-09-30, up 2.69% when compared to the last year. Fio banka accounted for 0.934% o...
By Helgi Analytics - November 22, 2022
Fio banka employed 104 persons in 2022-09-30, up 7.22% when compared to the previous year. Historically, the bank's workforce hit an all time high of 104 persons in 2022-09-30 and an all time low of 43.0 in 2017-06-30. Average cost reached USD 4,430 per month per...
By Helgi Analytics - November 22, 2022
Fio banka's capital adequacy ratio reached 28.9% at the end of third quarter of 2022, up from 26.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 28.9% in 3Q2022 and an all time low of 10.4% in 2Q2014. T...
By Helgi Analytics - November 22, 2022
Fio banka's customer deposits reached CZK 208,297 mil in 2022-09-30, up 1.10% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,417 bil in 2022-09-30, up 1.21% when compared to the last year. Fio banka accounted for 3...
By Helgi Analytics - November 22, 2022
Fio banka's retail loans reached CZK 16,776 mil in the third quarter of 2022, up 3.07% compared to the previous year. Czech banking sector provided retail loans of CZK 2,121 bil in 3Q2022, up 1.19% when compared to the last year. Fio banka accounted for 0...
By Helgi Analytics - November 22, 2022
Fio banka generated total banking revenues of CZK 1,738 mil in the third quarter of 2022, up 79.8% when compared to the same period of last year and 1.02% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee...
By Helgi Analytics - November 22, 2022
Fio banka's non-performing loans reached 8.98% of total loans at the end of 2022-09-30, down from 10.0% compared to the previous year. Historically, the NPL ratio hit an all time high of 20.4% in 2013-09-30 and an all time low of 4.21% in 2018-09-30. Provis...
By Helgi Analytics - November 22, 2022
Fio banka's cost to income ratio reached 17.1% in the third quarter of 2022, down from 17.7% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 97.3% of income in 4Q2013 and an all time low of 16.1% in 4Q2015. ...
By Helgi Analytics - November 22, 2022
Fio banka's Equity reached 4.93% of total assets in the 3Q2022, up from 3.37% for the previous year. As a share of net customer loans, the ratio amounted to 29.2% at the end of the third quarter of 2022. ...
Fio banka is a young Czech bank established only in 2008. But, the history of Fio dates back to 1993 when a group of students established a securities broker. Since then, Fio has expanded both geographically (as it entered a number of stock exchanges in the Central Europe and elsewehere) as well as business-wise (with a credit union started in 1996). The expansion has been crowned by a an acquisition of RM-System, Czech Republic's off-market securities exchange. Nowadays, the bank already services more than 900,000 clients through a network of 80 branches occuppying around 1% of the Czech banking market by assets (2018 figures).
Fio banka has been growing its revenues and asset by 30.6% and 31.8% a year on average in the last 10 years. Its loans and deposits have grown by 21.8% and 32.6% a year during that time and loans to deposits ratio reached 18.4% at the end of 2021. The company achieved an average return on equity of 22.4% in the last decade with net profit growing 63.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 28.0% in 2021, compared to 51.1% average in the last decade.
Equity represented 3.70% of total assets or 21.2% of loans at the end of 2021. Fio banka's non-performing loans were 8.41% of total loans while provisions covered some 41.2% of NPLs at the end of 2021.