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Fio banka

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Fio banka

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

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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 200,000 clients through a network of 70 branches occuppying around 0.4% of the Czech banking market by assets

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AnnualQuarterly
summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                127 128 220 255 395    
                262 437 522 768 1,013    
                11.5 111 121 246 447    
                16.8 63.4 36.2 40.5 52.9    

balance sheet

                699 1,502 1,869 1,389 1,664    
                5,199 6,465 9,208 10,523 13,287    
                4,079 5,668 6,208 9,359 8,309    
                13,535 18,561 27,260 40,875 57,611    
                663 726 763 1,003 1,056    
                381 260 385 182 649    
                12,094 17,174 25,695 39,054 55,320    
... ... ... ... ... ... ...   40.0 50.0 0.000 0.000 0.000    

ratios

                2.55% 9.13% 4.86% 4.59% 5.14%    
                0.149% 0.395% 0.158% 0.119% 0.107%    
                2.23% 2.03% 1.75% 1.53% 1.15%    
                95.6% 74.6% 76.9% 67.9% 55.9%    
... ... ... ... ... ... ...   12.2% 10.4% 10.9% 12.4% 12.3%    
                1.13% 0.796% 0.962% 0.749% 0.802%    
                48.5% 29.2% 42.2% 33.2% 39.0%    
                71.8% 36.6% 36.1% 32.9% 27.8%    
                9.33% 8.37% 7.15% 6.20% 6.83%    
                4.90% 3.91% 2.80% 2.45% 1.83%    
                43.0% 37.6% 35.8% 26.9% 24.0%    
                38.4% 34.8% 33.8% 25.7% 23.1%    
... ... ... ... ... ... ...   0.000% 13.3% 15.7% 13.5% 11.4%    
... ... ... ... ... ... ... ... ... 4.15% 8.24% 21.3% 19.8%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

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
                430 536 548 603 497    
                303 408 328 348 102    
                127 128 220 255 395    
                188 160 188 253 282    
                -53.3 149 113 260 336    
                262 437 522 768 1,013    
                23.4 27.3 28.7 32.3 38.7    
                1.69 4.49 7.04 7.67 6.85    
                225 294 366 482 521    
                251 326 402 522 566    
                11.5 111 121 246 447    
                -8.64 32.7 76.2 195 355    
                0.000 0.000 0.000 0.000 0.000    
                20.1 78.5 44.3 51.7 92.2    
                3.34 15.0 8.09 11.2 39.3    
                0.000 0.000 0.000 0.000 0.000    
                16.8 63.4 36.2 40.5 52.9    

growth rates

...               381% 0.541% 72.5% 15.8% 54.7%    
...               32.3% -14.9% 17.5% 34.3% 11.4%    
...               38.8% 66.9% 19.4% 47.1% 31.9%    
...               75.4% 30.2% 23.1% 29.8% 8.52%    
...               -75.0% 867% 8.39% 105% 81.3%    
...               -56.2% 290% -43.6% 16.8% 78.3%    
...               -60.3% 278% -43.0% 12.0% 30.7%    

market share

                0.162% 0.262% 0.311% 0.457% 0.582%    
                0.031% 0.099% 0.059% 0.064% 0.080%    
... ... ... ... ...       0.150% 0.147% 0.156% 0.176% 0.185%    
... ... ... ... ... ... ...   2.98% 3.34% 3.56% 4.05% 4.06%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                2,881 4,222 5,212 9,337 31,964    
                699 1,502 1,869 1,389 1,664    
                5,199 6,465 9,208 10,523 13,287    
... ... ... ... ... ... ...   1,116 1,188 4,189 4,439 4,617    
... ... ... ... ... ... ...   4,083 5,276 5,019 6,084 8,669    
                4,079 5,668 6,208 9,359 8,309    
                12.0 15.9 16.5 14.3 13.5    
                13,535 18,561 27,260 40,875 57,611    
                663 726 763 1,003 1,056    
                0.000 0.000 0.000 0.000 0.000    
                12,872 17,835 26,498 39,872 56,555    
                381 260 385 182 649    
                12,094 17,174 25,695 39,054 55,320    
... ... ... ... ... ... ... ... ... ... ... 37,205 51,955    
... ... ... ... ... ... ... ... ... ... ... 1,850 3,365    
... ... ... ... ... ... ...   40.0 50.0 0.000 0.000 0.000    
... ... ... ... ... ... ...   356 351 418 636 586    

asset quality

... ... ... ... ... ... ...   0.000 864 1,462 1,468 1,548    
... ... ... ... ... ... ...   5,199 6,501 9,329 10,836 13,593    
... ... ... ... ... ... ...   0.000 35.8 120 313 306    

growth rates

...               46.8% 24.3% 42.4% 14.3% 26.3%    
... ... ... ... ... ... ... ... 35.5% 6.47% 253% 5.95% 4.03%    
... ... ... ... ... ... ... ... 50.2% 29.2% -4.88% 21.2% 42.5%    
...               51.2% 37.1% 46.9% 49.9% 40.9%    
...               1.25% 9.57% 4.98% 31.5% 5.27%    
...               54.6% 42.0% 49.6% 52.0% 41.6%    

market share

                0.237% 0.287% 0.370% 0.404% 0.478%    
... ... ... ... ... ... ...   0.493% 0.632% 0.579% 0.696% 0.941%    
... ... ... ... ... ... ...   0.102% 0.105% 0.355% 0.361% 0.349%    
                0.302% 0.401% 0.530% 0.770% 1.04%    
                0.449% 0.608% 0.841% 1.14% 1.57%    

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                2.55% 9.13% 4.86% 4.59% 5.14%    
                0.149% 0.395% 0.158% 0.119% 0.107%    
                2.23% 2.03% 1.75% 1.53% 1.15%    
                95.6% 74.6% 76.9% 67.9% 55.9%    
... ... ... ... ... ... ...   12.2% 10.4% 10.9% 12.4% 12.3%    
... ... ... ... ... ... ... ... ... ... 9.72% 11.3% 11.2%    
                1.13% 0.796% 0.962% 0.749% 0.802%    
...               0.962% 0.681% 0.914% 0.722% 0.797%    
                3.83% 3.34% 2.39% 1.77% 1.01%    
...               2.87% 2.66% 1.48% 1.05% 0.212%    
                48.5% 29.2% 42.2% 33.2% 39.0%    
                71.8% 36.6% 36.1% 32.9% 27.8%    
                -20.3% 34.1% 21.7% 33.8% 33.2%    
... ... ... ... ...       1,868 1,972 1,975 1,776 1,776    
... ... ... ... ...       33,033 38,566 38,636 37,955 42,395    
                9.33% 8.37% 7.15% 6.20% 6.83%    
                4.90% 3.91% 2.80% 2.45% 1.83%    
                43.0% 37.6% 35.8% 26.9% 24.0%    
                38.4% 34.8% 33.8% 25.7% 23.1%    
... ... ... ... ... ... ...   0.000% 13.3% 15.7% 13.5% 11.4%    
... ... ... ... ... ... ... ... ... 4.15% 8.24% 21.3% 19.8%    
... ... ... ... ... ... ...   0.000% 0.554% 1.31% 2.98% 2.30%    
                -0.198% 0.560% 0.973% 1.97% 2.98%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ...   61.0 70.0 76.0 86.0 88.0    
... ... ... ... ...       59.0 59.0 62.0 71.0 76.0    
... ... ... ... ... ... ... ... 74.0 122 142 150 157    
... ... ... ... ...       0.147 0.227 0.330 0.445 0.555    
... ... ... ... ... ... ... ... ... ... ... 95.3% 93.9%    

Download Data
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.

Fio banka in Numbers

September 24, 2018
Fio banka in Numbers

This Annual statistical dossier offers a summary of Fio banka's performance between 2003 and 2017 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 Fio banka's performance between 2003 and 2017 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 Fio'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.

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

Read more »

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.

Fio Banka - 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:

Provisions send Fio into the red in 3Q2014...

Fio banka reported a net loss of CZK 23.5 mil. in 3Q14 compared

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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:

Provisions send Fio into the red in 3Q2014...

Fio banka reported a net loss of CZK 23.5 mil. in 3Q14 compared to a net profit of CZK 12.1 mil. a year ago. A high cost of risk is the only reason for the bank's quarterly loss.

...inspite of a solid operating performance

The quarterly loss masks the strong momentum of the bank. Revenue increased nearly 19% yoy in the third quarter while gross operating grew nearly 15% yoy. The figures are even more impressive when measured over the last four quarters:

Loans and deposits increased a further 2.5% and 12.1% qoq respectively in the third quarter. This means 42% yoy in loans and nearly 54% in deposits when compared to September 2013!

With loans accounting for only 27% of customer deposits, the bank seems to have a large potential to continue to grow aggressively.

Margins, Capitalization & Asset Quality

Low margins, a relatively weak capital position and poor asset quality remain the main weaknesses of the bank.

With its origins as a stock broker, Fio banka is not a typical bank yet. Unlike the sector average, Fio still makes most of its revenue from fees and other non-interest income, so all ratios should be taken with a grain of salt.

Having said that, bank's financials suffer from low margins (with NIM at less than 1.0%), weak cost efficiency (costs to income at 70%) and below average profitability as a result (ROE in single digits).

Low capital adequacy (at 10.5%) and a high share of bad loans (and their low provision coverage) seem to be bigger obstacles for further growth.

At the end of September, the share of non-performing loans accounted for 16.3% while provision coverage reached less than 11% of NPLs). Although we assume that a large part of the loans are provided for the purchase of shares and bonds (i.e. having a solid collateral), the mixture of high NPLs, their low coverage and rising cost of risk are worth following.

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

Fio Banka at a Glance

January 30, 2014
Fio Banka at a Glance

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

Read more »

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 200,000 clients through a network of 70 branches occuppying around 0.4% of the Czech banking market by assets. 

This report offers a summary of the company's performance in 2009-2012. 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

Fio Banka at a Glance

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

Read more »

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 200,000 clients through a network of 70 branches occuppying around 0.4% of the Czech banking market by assets.

This report offers a summary of the company's performance in 2009-2012. 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

Fio Banka in Numbers

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

Read more »

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 200,000 clients through a network of 70 branches occuppying around 0.4% of the Czech banking market by assets.

This excel file offers a summary of the company's performance in between 1Q2011-1Q2013 on the quarterly and in 2009-2012 on 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

Based on a comparison of 15 banks in the Czech Republic in 2017, Ceska Sporitelna generated the largest revenues, followed by CSOB and Komercni Banka.

Ceska Sporitelna reported total revenues of 1,593, up 1.82% compared to the previous

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Based on a comparison of 15 banks in the Czech Republic in 2017, Ceska Sporitelna generated the largest revenues, followed by CSOB and Komercni Banka.

Ceska Sporitelna reported total revenues of 1,593, up 1.82% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of 2,502 in 2008 and an all time low of 495 in 2000. The average revenue in the last five years amounted to 1,779.

Bank's total revenues accounted for 2.80% of total assets in 2017, up from 3.58% a year earlier.

Comparing Ceska Sporitelna with its closest peers, CSOB generated total revenues of 1,591, or 2.83% of assets in 2017, Komercni Banka operated with 1,329 total income, or 3.09% revenue margin and UniCredit Czech Republic produced total income worth 797, or 2.77% of assets.

Czech banking sector generated total revenues of 179,125 in 2017, down 0.589% when compared to the previous year. As a result, the top ranked company - Ceska Sporitelna accounted for 0.889% of the sector’s total income in 2017. The top 3 companies held a 2.52% share while the five largest firms some 3.21% in 2017.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic in 2016, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached 32,278, up from 29,019, compared

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Based on a comparison of 15 banks in the Czech Republic in 2016, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached 32,278, up from 29,019, compared to the previous year. Historically, the bank’s net profit reached an all time high of 37,991 in 2011 and an all time low of 9,136 in 2000.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka's deposits amounted to 28,616 at the end of 2016, CSOB operated with 27,666 of customer deposits and UniCredit Czech Republic had clients' deposits of 15,187 at the end of 2016.

Czech banks had customer deposits of CZK 3,767 bil in 2016, up 7.00% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 0.857% of the sector’s deposits in 2016. The top 3 companies held a 2.35% share while the five largest firms some 3.00% in 2016.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic in 2017, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached 37,783, up from 32,278, compared

Read more »

Based on a comparison of 15 banks in the Czech Republic in 2017, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached 37,783, up from 32,278, compared to the previous year. Historically, the bank’s net profit reached an all time high of 37,991 in 2011 and an all time low of 9,136 in 2000.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka's deposits amounted to 32,599 at the end of 2017, CSOB operated with 31,846 of customer deposits and UniCredit Czech Republic had clients' deposits of 15,420 at the end of 2017.

Czech banks had customer deposits of CZK 4,169 bil in 2017, up 10.7% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 0.906% of the sector’s deposits in 2017. The top 3 companies held a 2.45% share while the five largest firms some 3.08% in 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic in 2017, Ceska Sporitelna was the largest bank by assets, followed by CSOB and Komercni Banka.

Ceska Sporitelna assets reached 56,862, up 30.3% when compared to the last year.

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Based on a comparison of 15 banks in the Czech Republic in 2017, Ceska Sporitelna was the largest bank by assets, followed by CSOB and Komercni Banka.

Ceska Sporitelna assets reached 56,862, up 30.3% when compared to the last year. Historically, the bank’s assets reached an all time high of 56,862 in 2017 and an all time low of 11,349 in 2000.

Comparing Ceska Sporitelna with its closest peers, CSOB assets amounted to 56,279, Komercni Banka operated with 42,951 assets and UniCredit Czech Republic had total assets of 28,750.

Total assets of the Czech banking sector amounted to CZK 6,724 bil in 2017, up 17.8% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 0.846% of the sector’s assets in 2017. The top 3 companies held a 2.32% share while the five largest firms some 2.96% in 2017.

You can see all the banks assets on the Total Assets indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
Fio's net profit rose 135% to CZK 172 mil in 4Q2017
Fio's net profit rose 135% to CZK 172 mil in 4Q2017
Fio's capital adequacy ratio fell 0.478% to 12.5% in 4Q2017
Fio's costs (as % of assets) fell 16.8% to 0.584% in 4Q2017
Fio's net interest income rose 42.5% to CZK 207 mil in 4Q2017
Fio's net interest margin rose 38.2% to 0.765% in 4Q2017
Fio's net profit rose 129% to CZK 408 mil in 2017
Fio's net profit rose 129% to CZK 408 mil in 2017
Fio's customer deposits rose 33.2% to CZK 103,711 mil in 2017
Fio's total revenues rose 103% to CZK 1,505 mil in 2017