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Fio banka

Fio's total revenues fell 3.20% yoy to CZK 2,220 mil in 3Q2024

By Helgi Library - May 19, 2025

Fio banka generated total banking revenues of CZK 2,220 mil in 2024-09-30, down 2.02% compared to the previous year. Czech...

Fio banka - Market Share in Bank Deposits

By Helgi Library - May 19, 2025

Fio banka's customer deposits reached CZK 277,279 mil in 2024-09-30, up 5.51% compared to the previous year. Czech banking sect...

Fio banka - Market Share in Bank Loans

By Helgi Library - May 19, 2025

Fio banka's customer loans reached CZK 57,278 mil in 2024-09-30, up 3.63% compared to the previous year. Czech banking sector p...

Profit Statement 2022 2023 2024
Net Interest Income CZK mil 5,412 7,603 6,936
Net Fee Income CZK mil 652 643 695
Other Income CZK mil 699 770 1,118
Total Revenues CZK mil 6,763 9,017 8,749
Staff Cost CZK mil 184 321 374
Operating Profit CZK mil 5,541 7,473 6,776
Provisions CZK mil 423 -5.65 34.5
Net Profit CZK mil 4,406 6,478 6,070
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 3,190 2,507 2,223
Customer Loans CZK mil 41,255 50,454 57,250
Investments CZK mil 125,640 160,520 180,291
Total Assets CZK mil 229,428 266,392 314,334
Shareholders' Equity CZK mil 12,346 18,881 21,923
Interbank Borrowing CZK mil 33.2 179 121
Customer Deposits CZK mil 212,102 241,058 288,486
Issued Debt Securities CZK mil 691 601 601
Ratios 2022 2023 2024
ROE % 42.8 41.5 29.8
ROA % 1.98 2.61 2.09
Costs (As % Of Assets) % 0.551 0.623 0.680
Costs (As % Of Income) % 18.1 17.1 22.6
Capital Adequacy Ratio % 32.8 33.3 31.8
Net Interest Margin % 2.44 3.07 2.39
Loans (As % Of Deposits) % 19.5 20.9 19.8
NPLs (As % Of Loans) % 9.21 9.58 7.67
Provisions (As % Of NPLs) % 44.6 35.2 39.5
Growth Rates 2022 2023 2024
Total Revenue Growth % 78.6 33.3 -2.97
Operating Cost Growth % 15.3 26.2 27.8
Operating Profit Growth % 103 34.9 -9.33
Net Profit Growth % 88.4 47.0 -6.30
Customer Loan Growth % 10.2 22.3 13.5
Total Asset Growth % 6.87 16.1 18.0
Customer Deposit Growth % 4.28 13.7 19.7
Shareholders' Equity Growth % 50.1 52.9 16.1
Employees 114 118 153

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summary Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                            
Net Interest Income CZK mil                               1,303 2,398 2,007 2,494 5,412    
Total Revenues CZK mil                               2,155 3,328 3,041 3,787 6,763    
Operating Profit CZK mil                               1,470 2,531 2,074 2,726 5,541    
Net Profit CZK mil                               1,028 1,803 1,177 2,338 4,406    
balance sheet                                            
Interbank Loans CZK mil                               1,810 2,097 1,915 2,289 3,190    
Customer Loans CZK mil                               15,134 20,148 26,145 37,454 41,255    
Investments CZK mil                               4,335 4,358 68,763 117,878 125,640    
Total Assets CZK mil                               124,500 146,770 182,537 214,685 229,428    
                                               
Shareholders' Equity CZK mil                               2,642 4,454 5,602 8,225 12,346    
Interbank Borrowing CZK mil                               237 233 224 139 33.2    
Customer Deposits CZK mil                               120,583 140,442 174,860 203,397 212,102    
Issued Debt Securities CZK mil                               90.0 90.0 90.0 679 691    
ratios                                            
ROE % ...                             47.8 50.8 23.4 33.8 42.8    
ROA % ...                             0.886 1.33 0.715 1.18 1.98    
Costs (As % Of Assets) % ...                             0.591 0.588 0.588 0.534 0.551    
Costs (As % Of Income) %                               31.8 24.0 31.8 28.0 18.1    
Capital Adequacy Ratio % ... ... ... ... ... ... ...                 15.3 18.2 21.1 22.6 32.8    
Net Interest Margin % ...                             1.12 1.77 1.22 1.26 2.44    
Interest Income (As % Of Revenues) %                               60.5 72.0 66.0 65.9 80.0    
Fee Income (As % Of Revenues) %                               14.8 11.3 14.2 13.8 9.64    
Staff Cost (As % Of Total Cost) %                               6.15 13.6 13.6 15.0 15.1    
Equity (As % Of Assets) %                               2.12 3.03 3.07 3.83 5.38    
Loans (As % Of Deposits) %                               12.6 14.3 15.0 18.4 19.5    
Loans (As % Assets) %                               12.2 13.7 14.3 17.4 18.0    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...                 5.59 10.8 13.6 9.47 9.21    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...             63.2 39.5 42.1 38.0 44.6    
valuation                                            
Book Value Per Share Growth % ...                             132 84.0 -16.3 24.3 117    
income statement Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                            
Interest Income CZK mil                               1,562 2,920 2,353 2,813 6,925    
Interest Cost CZK mil                               259 522 346 320 1,512    
Net Interest Income CZK mil                               1,303 2,398 2,007 2,494 5,412    
Net Fee Income CZK mil                               318 376 433 524 652    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 603 705 800 1,019    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 227 272 276 367    
Other Income CZK mil                               534 555 602 769 699    
Total Revenues CZK mil                               2,155 3,328 3,041 3,787 6,763    
Staff Cost CZK mil                               42.1 108 131 160 184    
Depreciation CZK mil                               7.97 51.6 106 98.5 96.4    
Other Cost CZK mil                               635 638 731 802 942    
Operating Cost CZK mil                               685 797 967 1,060 1,223    
Operating Profit CZK mil                               1,470 2,531 2,074 2,726 5,541    
Provisions CZK mil                               217 306 636 -111 423    
Extra and Other Cost CZK mil                               -4.07 -0.640 -26.4 -3.37 -11.5    
Pre-Tax Profit CZK mil                               1,257 2,225 1,464 2,841 5,129    
Tax CZK mil                               229 422 287 503 723    
Minorities CZK mil                               0 0 0 0 0    
Net Profit CZK mil                               1,028 1,803 1,177 2,338 4,406    
Net Profit Avail. to Common CZK mil                               1,028 1,803 1,177 2,338 4,406    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
growth rates                                            
Net Interest Income Growth % ...                             132 84.0 -16.3 24.3 117    
Net Fee Income Growth % ...                             -10.8 18.0 15.3 21.0 24.5    
Total Revenue Growth % ...                             44.4 54.4 -8.63 24.5 78.6    
Operating Cost Growth % ...                             10.3 16.3 21.4 9.61 15.3    
Operating Profit Growth % ...                             68.7 72.2 -18.1 31.5 103    
Pre-Tax Profit Growth % ...                             161 77.1 -34.2 94.1 80.5    
Net Profit Growth % ...                             152 75.3 -34.8 98.7 88.4    
market share                                            
Market Share in Revenues %                               1.13 1.65 1.69 2.05 2.89   ...
Market Share in Net Profit %                               1.28 2.01 2.55 3.39 4.36    
Market Share in Employees % ... ... ... ... ...                     0.127 0.173 0.211 0.247 0.289   ...
Market Share in Branches % ... ... ... ... ... ... ...                 5.22 5.48 6.31 6.89 7.27   ...
balance sheet Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
balance sheet                                            
Cash & Cash Equivalents CZK mil                               101,908 118,148 81,087 55,054 57,145    
Interbank Loans CZK mil                               1,810 2,097 1,915 2,289 3,190    
Customer Loans CZK mil                               15,134 20,148 26,145 37,454 41,255    
Retail Loans CZK mil ... ... ... ... ... ... ...                 5,198 7,161 9,766 15,980 18,959    
Corporate Loans CZK mil ... ... ... ... ... ... ...                 9,936 12,988 16,379 21,474 22,296    
Investments CZK mil                               4,335 4,358 68,763 117,878 125,640    
Property and Equipment CZK mil                               14.5 244 500 355 362    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.20 2.72 3.23 19.5    
Total Assets CZK mil                               124,500 146,770 182,537 214,685 229,428    
                                               
Shareholders' Equity CZK mil                               2,642 4,454 5,602 8,225 12,346    
Of Which Minority Interest CZK mil                               0 0 0 0 0    
Liabilities CZK mil                               121,857 142,317 176,935 206,460 217,082    
Interbank Borrowing CZK mil                               237 233 224 139 33.2    
Customer Deposits CZK mil                               120,583 140,442 174,860 203,397 212,102    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ...         116,504 136,106 171,286 200,195 204,643    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ...         4,080 4,336 3,574 3,202 7,459    
Issued Debt Securities CZK mil                               90.0 90.0 90.0 679 691    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 90.0 90.0    
Other Liabilities CZK mil                               948 1,551 1,761 2,246 4,255    
asset quality                                            
Non-Performing Loans CZK mil ... ... ... ... ... ... ...                 878 2,176 3,555 3,545 3,963    
Gross Loans CZK mil ... ... ... ... ... ... ...                 15,688 20,148 26,145 37,454 43,024    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ...           17,133 23,797 24,450 33,137 35,231    
Total Provisions CZK mil ... ... ... ... ... ... ...                 555 861 1,497 1,346 1,769    
growth rates                                            
Customer Loan Growth % ...                             15.1 33.1 29.8 43.3 10.2    
Retail Loan Growth % ... ... ... ... ... ... ... ...               -3.22 37.8 36.4 63.6 18.6    
Corporate Loan Growth % ... ... ... ... ... ... ... ...               27.8 30.7 26.1 31.1 3.83    
Total Asset Growth % ...                             15.7 17.9 24.4 17.6 6.87    
Shareholders' Equity Growth % ...                             59.3 68.6 25.8 46.8 50.1    
Customer Deposit Growth % ...                             16.3 16.5 24.5 16.3 4.28    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
market share                                            
Market Share in Customer Loans %                               0.458 0.584 0.727 0.973 1.01    
Market Share in Corporate Loans % ... ... ... ... ... ... ...                 0.920 1.16 1.46 1.81 1.80    
Market Share in Retail Loans % ... ... ... ... ... ... ...                 0.316 0.410 0.525 0.782 0.886    
Market Share in Consumer Loans % ... ... ... ... ... ... ...                 0.316 0.410 0.525 0.782 ... ... ...
Market Share in Total Assets %                               1.71 1.94 2.29 2.52 2.58   ...
Market Share in Customer Deposits %                               2.71 2.96 3.39 3.70 3.62    
ratios Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                             
ROE % ...                             47.8 50.8 23.4 33.8 42.8    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 23.4 33.8 42.9    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ...         44.9 58.7 32.5 54.1 85.9    
ROA % ...                             0.886 1.33 0.715 1.18 1.98    
Return on Loans %                               7.27 10.2 5.08 7.35 11.2    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...         9.64 12.4 8.60 9.47 16.2    
Costs (As % Of Assets) % ...                             0.591 0.588 0.588 0.534 0.551    
Costs (As % Of Income) %                               31.8 24.0 31.8 28.0 18.1    
Costs (As % Of Loans) % ...                             4.85 4.52 4.18 3.33 3.11    
Costs (As % Of Loans & Deposits) % ...                             0.543 0.538 0.535 0.480 0.495    
Capital Adequacy Ratio % ... ... ... ... ... ... ...                 15.3 18.2 21.1 22.6 32.8    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ...           14.7 17.8 20.7 22.3 32.5    
Net Interest Margin % ...                             1.12 1.77 1.22 1.26 2.44    
Interest Spread % ...                             1.12 1.76 1.21 1.25 2.40    
Asset Yield % ...                             1.35 2.15 1.43 1.42 3.12    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ...         14.1 16.3 12.6 13.2 19.8    
Cost Of Liabilities % ...                             0.228 0.395 0.217 0.167 0.714    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Interest Income (As % Of Revenues) %                               60.5 72.0 66.0 65.9 80.0    
Fee Income (As % Of Revenues) %                               14.8 11.3 14.2 13.8 9.64    
Other Income (As % Of Revenues) %                               24.8 16.7 19.8 20.3 10.3    
Staff Cost (As % Of Total Cost) %                               6.15 13.6 13.6 15.0 15.1    
Equity (As % Of Assets) %                               2.12 3.03 3.07 3.83 5.38    
Equity (As % Of Loans) %                               17.5 22.1 21.4 22.0 29.9    
Loans (As % Of Deposits) %                               12.6 14.3 15.0 18.4 19.5    
Loans (As % Assets) %                               12.2 13.7 14.3 17.4 18.0    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...                 5.59 10.8 13.6 9.47 9.21    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ...             63.2 39.5 42.1 38.0 44.6    
Provisions (As % Of Loans) % ... ... ... ... ... ... ...                 3.67 4.27 5.72 3.59 4.29    
Cost of Provisions (As % Of Loans) % ...                             1.54 1.74 2.75 -0.349 1.08    
other data Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                             
Branches ... ... ... ... ... ... ...                 102 104 106 110 111    
ATMs ... ... ... ... ... ... ... ...               179 ... ... ... 0   ...
ATMs (As % of Bank Branches) % ... ... ... ... ... ... ... ...               175 ... ... ... 0   ...
Employees ... ... ... ... ...                     53.0 72.0 86.0 98.0 114    
Employees Per Bank Branch ... ... ... ... ... ... ...                 0.520 0.692 0.811 0.891 1.03    
Cost Per Employee USD per month ... ... ... ... ...                     3,029 5,551 5,780 6,260 6,042    
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ...                     66,272 125,131 127,172 135,658 134,629    
customer breakdown Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                             
Customers mil                               0.900 0.950 1.05 1.10 1.20    
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ...           1,451,000 1,444,000 1,444,000 ... ... ... ...
Revenue per Customer (Local Currency) CZK                               2,395 3,503 2,896 3,442 5,636    
Net Profit per Customer (Local Currency) CZK                               1,143 1,898 1,120 2,125 3,671    
Loan per Customer (Local Currency) CZK                               16,815 21,209 24,900 34,049 34,380    
Deposit per Customer (Local Currency) CZK                               133,981 147,834 166,534 184,906 176,752    
Revenue per Customer USD                               109 155 132 159 253    
Net Profit per Customer USD                               52.2 84.2 50.9 98.1 165    
Loan per Customer USD                               748 938 1,164 1,551 1,520    
Deposit per Customer USD                               5,964 6,535 7,787 8,424 7,815    

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Fio's employees rose 13.6% yoy to 167 in 1Q2025

By Helgi Library - May 19, 2025

Fio banka employed 167 persons in 2025-03-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 167 persons in 2025-03-31 and an all time low of 43.0 in 2011-03-31. Average cost reached USD 8,374 per month per ...

Fio's net profit fell 2.88% yoy to CZK 1,485 mil in 1Q2025

By Helgi Library - May 19, 2025

Fio banka made a net profit of CZK 1,485 mil in the first quarter of 2025, down 2.88% when compared to the same period of last year. This implies a return on equity of 26.2%. Historically, the bank’s net profit reached an all time high of CZK 1,754 mil in 4Q2023 ...

Fio's net profit fell 2.88% yoy to CZK 1,485 mil in 1Q2025

By Helgi Library - May 19, 2025

Fio banka made a net profit of CZK 1,485 mil under revenues of CZK 2,224 mil in the first quarter of 2025, down 2.88% and 0.44% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 1,754 ...

Fio's npls (as % of loans) fell 16.5% yoy to 7.36% in 1Q2025

By Helgi Library - May 19, 2025

Fio banka's non-performing loans reached 7.36% of total loans at the end of 2025-03-31, down from 8.81% 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...

Fio's net interest margin fell 20.2% yoy to 2.24% in 1Q2025

By Helgi Library - May 19, 2025

Fio banka's net interest margin amounted to 2.24% in the first quarter of 2025, up from 2.07% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.29% in 2Q2023 and an all time low of 0.263% i...

Fio's capital adequacy ratio fell 16.5% yoy to 31.8% in 1Q2025

By Helgi Library - May 19, 2025

Fio banka's capital adequacy ratio reached 31.8% at the end of first quarter of 2025, up from 31.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 39.6% in 2Q2024 and an all time low of 10.4% in 2Q2014. T...

Fio banka - Market Share in Retail Loans

By Helgi Library - May 19, 2025

Fio banka's retail loans reached CZK 24,000 mil in the third quarter of 2024, up 4.35% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Fio banka accounted for 1...

Fio's net interest income fell 5.57% yoy to CZK 1,785 mil in 1Q2025

By Helgi Library - May 19, 2025

Fio banka generated total banking revenues of CZK 2,224 mil in the first quarter of 2025, down 0.44% when compared to the same period of last year and up 9.6% when compared to the previous quarter. Historically, the bank’s revenues containing of i...

Fio's costs (as % of assets) rose 0.840% yoy to 0.616% in 1Q2025

By Helgi Library - May 19, 2025

Fio banka's cost to income ratio reached 22.1% in the first quarter of 2025, down from 28.7% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 2,685% of income in 4Q2011 and an all time low of 14.4% in 1Q2023. ...

Fio's equity (as % of assets) fell 3.54% yoy to 7.21% in 1Q2025

By Helgi Library - May 19, 2025

Fio banka's Equity reached 7.21% of total assets in the 1Q2025, down from 7.48% for the previous year. As a share of net customer loans, the ratio amounted to 38.5% at the end of the first quarter of 2025. ...

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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).

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Finance

Fio banka has been growing its revenues and asset by 27.5% and 22.6% a year on average in the last 10 years. Its loans and deposits have grown by 18.5% and 22.1% a year during that time and loans to deposits ratio reached 19.8% at the end of 2024. The company achieved an average return on equity of 31.9% in the last decade with net profit growing 65.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 22.6% in 2024, compared to 35.0% average in the last decade.

Equity represented 6.97% of total assets or 38.3% of loans at the end of 2024. Fio banka's non-performing loans were 7.67% of total loans while provisions covered some 39.5% of NPLs at the end of 2024.