By Helgi Analytics - March 17, 2022
Fio banka made a net profit of CZK 635 mil in the third quarter of 2021, up 98.5% when compared to the same period of last year. ...
By Helgi Analytics - March 21, 2022
Fio banka's customer loans reached CZK 35,000 mil in 2021-09-30, up 5.13% compared to the previous year. Czech banking sector p...
By Helgi Analytics - March 17, 2022
Fio banka employed 92.0 persons in 2021-09-30, up 2.22% when compared to the previous year. Historically, the bank's workforce h...
Profit Statement | 2018 | 2019 | 2020 | |
Net Interest Income | CZK mil | 1,303 | 2,398 | 2,007 |
Net Fee Income | CZK mil | 318 | 376 | 433 |
Other Income | CZK mil | 534 | 555 | 602 |
Total Revenues | CZK mil | 2,155 | 3,328 | 3,064 |
Staff Cost | CZK mil | 42.1 | 108 | 131 |
Operating Profit | CZK mil | 1,470 | 2,531 | 2,096 |
Provisions | CZK mil | 217 | 306 | 636 |
Net Profit | CZK mil | 1,028 | 1,803 | 1,177 |
Balance Sheet | 2018 | 2019 | 2020 | |
Interbank Loans | CZK mil | 1,810 | 2,097 | 1,915 |
Customer Loans | CZK mil | 15,134 | 20,148 | 26,145 |
Investments | CZK mil | 4,335 | 4,358 | 68,763 |
Total Assets | CZK mil | 124,500 | 146,770 | 182,537 |
Shareholders' Equity | CZK mil | 2,642 | 4,454 | 5,602 |
Interbank Borrowing | CZK mil | 237 | 233 | 224 |
Customer Deposits | CZK mil | 120,583 | 140,442 | 174,860 |
Issued Debt Securities | CZK mil | 90.0 | 90.0 | 90.0 |
Ratios | 2018 | 2019 | 2020 | |
ROE | % | 47.8 | 50.8 | 23.4 |
ROA | % | 0.886 | 1.33 | 0.715 |
Costs (As % Of Assets) | % | 0.591 | 0.588 | 0.588 |
Costs (As % Of Income) | % | 31.8 | 24.0 | 31.6 |
Capital Adequacy Ratio | % | 15.3 | 18.2 | 21.1 |
Net Interest Margin | % | 1.12 | 1.77 | 1.22 |
Loans (As % Of Deposits) | % | 12.6 | 14.3 | 15.0 |
NPLs (As % Of Loans) | % | 5.59 | 10.8 | 13.6 |
Provisions (As % Of NPLs) | % | 63.2 | 39.5 | 42.1 |
Growth Rates | 2018 | 2019 | 2020 | |
Total Revenue Growth | % | 44.4 | 54.4 | -7.95 |
Operating Cost Growth | % | 10.3 | 16.3 | 21.4 |
Operating Profit Growth | % | 68.7 | 72.2 | -17.2 |
Net Profit Growth | % | 152 | 75.3 | -34.8 |
Customer Loan Growth | % | 15.1 | 33.1 | 29.8 |
Total Asset Growth | % | 15.7 | 17.9 | 24.4 |
Customer Deposit Growth | % | 16.3 | 16.5 | 24.5 |
Shareholders' Equity Growth | % | 59.3 | 68.6 | 25.8 |
Employees | 53.0 | 72.0 | 86.0 |
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 |
income statement | |||||||||||||||||||
Net Interest Income | CZK mil | 255 | 395 | 431 | 561 | 1,303 | |||||||||||||
Total Revenues | CZK mil | 768 | 1,013 | 743 | 1,493 | 2,155 | |||||||||||||
Operating Profit | CZK mil | 246 | 447 | 156 | 871 | 1,470 | |||||||||||||
Net Profit | CZK mil | 40.5 | 52.9 | 178 | 408 | 1,028 | |||||||||||||
balance sheet | |||||||||||||||||||
Interbank Loans | CZK mil | 1,389 | 1,664 | 1,454 | 2,064 | 1,810 | |||||||||||||
Customer Loans | CZK mil | 10,523 | 13,287 | 13,801 | 13,147 | 15,134 | |||||||||||||
Investments | CZK mil | 9,359 | 8,309 | 5,013 | 4,406 | 4,335 | |||||||||||||
Total Assets | CZK mil | 40,875 | 57,611 | 80,480 | 107,574 | 124,500 | |||||||||||||
Shareholders' Equity | CZK mil | 1,003 | 1,056 | 1,251 | 1,659 | 2,642 | |||||||||||||
Interbank Borrowing | CZK mil | 182 | 649 | 172 | 173 | 237 | |||||||||||||
Customer Deposits | CZK mil | 39,054 | 55,320 | 77,876 | 103,711 | 120,583 | |||||||||||||
Issued Debt Securities | CZK mil | 0 | 0 | 0 | 90.0 | 90.0 | |||||||||||||
ratios | |||||||||||||||||||
ROE | % | ... | 4.59 | 5.14 | 15.5 | 28.1 | 47.8 | ||||||||||||
ROA | % | ... | 0.119 | 0.107 | 0.258 | 0.434 | 0.886 | ||||||||||||
Costs (As % Of Assets) | % | ... | 1.53 | 1.15 | 0.850 | 0.661 | 0.591 | ||||||||||||
Costs (As % Of Income) | % | 67.9 | 55.9 | 79.0 | 41.6 | 31.8 | |||||||||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 12.4 | 12.3 | 11.2 | 12.5 | 15.3 | ||||||
Net Interest Margin | % | ... | 0.749 | 0.802 | 0.624 | 0.597 | 1.12 | ||||||||||||
Interest Income (As % Of Revenues) | % | 33.2 | 39.0 | 58.0 | 37.6 | 60.5 | |||||||||||||
Fee Income (As % Of Revenues) | % | 32.9 | 27.8 | 34.1 | 23.9 | 14.8 | |||||||||||||
Staff Cost (As % Of Total Cost) | % | 6.20 | 6.83 | 4.98 | 5.20 | 6.15 | |||||||||||||
Equity (As % Of Assets) | % | 2.45 | 1.83 | 1.55 | 1.54 | 2.12 | |||||||||||||
Loans (As % Of Deposits) | % | 26.9 | 24.0 | 17.7 | 12.7 | 12.6 | |||||||||||||
Loans (As % Assets) | % | 25.7 | 23.1 | 17.1 | 12.2 | 12.2 | |||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 13.5 | 11.4 | 9.94 | 7.92 | 5.59 | ||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.3 | 19.8 | 15.5 | 48.7 | 63.2 |
income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
income statement | |||||||||||||||||||
Interest Income | CZK mil | 603 | 497 | 504 | 628 | 1,562 | |||||||||||||
Interest Cost | CZK mil | 348 | 102 | 73.5 | 66.6 | 259 | |||||||||||||
Net Interest Income | CZK mil | 255 | 395 | 431 | 561 | 1,303 | |||||||||||||
Net Fee Income | CZK mil | 253 | 282 | 253 | 357 | 318 | |||||||||||||
Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Other Income | CZK mil | 260 | 336 | 58.7 | 575 | 534 | |||||||||||||
Total Revenues | CZK mil | 768 | 1,013 | 743 | 1,493 | 2,155 | |||||||||||||
Staff Cost | CZK mil | 32.3 | 38.7 | 29.2 | 32.3 | 42.1 | |||||||||||||
Depreciation | CZK mil | 7.67 | 6.85 | 6.92 | 8.62 | 7.97 | |||||||||||||
Other Cost | CZK mil | 482 | 521 | 551 | 581 | 635 | |||||||||||||
Operating Cost | CZK mil | 522 | 566 | 587 | 622 | 685 | |||||||||||||
Operating Profit | CZK mil | 246 | 447 | 156 | 871 | 1,470 | |||||||||||||
Provisions | CZK mil | 195 | 355 | -61.9 | 393 | 217 | |||||||||||||
Extra and Other Cost | CZK mil | 0 | 0 | 0 | -1.99 | -4.07 | |||||||||||||
Pre-Tax Profit | CZK mil | 51.7 | 92.2 | 218 | 481 | 1,257 | |||||||||||||
Tax | CZK mil | 11.2 | 39.3 | 39.2 | 72.7 | 229 | |||||||||||||
Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
Net Profit | CZK mil | 40.5 | 52.9 | 178 | 408 | 1,028 | |||||||||||||
Net Profit Avail. to Common | CZK mil | 40.5 | 52.9 | 178 | 408 | 1,028 | |||||||||||||
growth rates | |||||||||||||||||||
Net Interest Income Growth | % | ... | 15.8 | 54.7 | 9.12 | 30.2 | 132 | ||||||||||||
Net Fee Income Growth | % | ... | 34.3 | 11.4 | -10.1 | 40.9 | -10.8 | ||||||||||||
Total Revenue Growth | % | ... | 47.1 | 31.9 | -26.7 | 101 | 44.4 | ||||||||||||
Operating Cost Growth | % | ... | 29.8 | 8.52 | 3.72 | 5.84 | 10.3 | ||||||||||||
Operating Profit Growth | % | ... | 105 | 81.3 | -65.1 | 460 | 68.7 | ||||||||||||
Pre-Tax Profit Growth | % | ... | 16.8 | 78.3 | 136 | 121 | 161 | ||||||||||||
Net Profit Growth | % | ... | 12.0 | 30.7 | 237 | 129 | 152 | ||||||||||||
market share | |||||||||||||||||||
Market Share in Revenues | % | 0.457 | 0.582 | 0.412 | 0.833 | 1.13 | ... | ... | |||||||||||
Market Share in Net Profit | % | 0.064 | 0.080 | 0.243 | 0.542 | 1.26 | ... | ... | |||||||||||
Market Share in Employees | % | ... | ... | ... | ... | ... | 0.176 | 0.185 | 0.129 | 0.117 | 0.127 | ... | ... | ||||||
Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | 3.88 | 4.06 | 4.55 | 4.94 | 5.22 | ... | ... |
balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
balance sheet | |||||||||||||||||||
Cash & Cash Equivalents | CZK mil | 9,337 | 31,964 | 58,842 | 86,780 | 101,908 | |||||||||||||
Interbank Loans | CZK mil | 1,389 | 1,664 | 1,454 | 2,064 | 1,810 | |||||||||||||
Customer Loans | CZK mil | 10,523 | 13,287 | 13,801 | 13,147 | 15,134 | |||||||||||||
Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 4,439 | 4,617 | 4,465 | 5,370 | 5,198 | ||||||
Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 6,084 | 8,669 | 9,336 | 7,776 | 9,936 | ||||||
Investments | CZK mil | 9,359 | 8,309 | 5,013 | 4,406 | 4,335 | |||||||||||||
Property and Equipment | CZK mil | 14.3 | 13.5 | 17.8 | 17.4 | 14.5 | |||||||||||||
Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Total Assets | CZK mil | 40,875 | 57,611 | 80,480 | 107,574 | 124,500 | |||||||||||||
Shareholders' Equity | CZK mil | 1,003 | 1,056 | 1,251 | 1,659 | 2,642 | |||||||||||||
Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||
Liabilities | CZK mil | 39,872 | 56,555 | 79,229 | 105,915 | 121,857 | |||||||||||||
Interbank Borrowing | CZK mil | 182 | 649 | 172 | 173 | 237 | |||||||||||||
Customer Deposits | CZK mil | 39,054 | 55,320 | 77,876 | 103,711 | 120,583 | |||||||||||||
Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 37,205 | 51,955 | 73,564 | 99,697 | 116,504 | ||
Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,850 | 3,365 | 4,312 | 4,014 | 4,080 | ||
Issued Debt Securities | CZK mil | 0 | 0 | 0 | 90.0 | 90.0 | |||||||||||||
Other Liabilities | CZK mil | 636 | 586 | 1,181 | 1,941 | 948 | |||||||||||||
asset quality | |||||||||||||||||||
Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 1,468 | 1,548 | 1,393 | 1,083 | 878 | ||||||
Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 10,836 | 13,593 | 14,017 | 13,674 | 15,689 | ||||||
Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,426 | 8,933 | 11,517 | 13,377 | 17,133 | |||
Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | 313 | 306 | 215 | 527 | 555 | ||||||
growth rates | |||||||||||||||||||
Customer Loan Growth | % | ... | 14.3 | 26.3 | 3.87 | -4.74 | 15.1 | ||||||||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.95 | 4.03 | -3.29 | 20.3 | -3.22 | |||||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 21.2 | 42.5 | 7.69 | -16.7 | 27.8 | |||||
Total Asset Growth | % | ... | 49.9 | 40.9 | 39.7 | 33.7 | 15.7 | ||||||||||||
Shareholders' Equity Growth | % | ... | 31.5 | 5.27 | 18.5 | 32.6 | 59.3 | ||||||||||||
Customer Deposit Growth | % | ... | 52.0 | 41.6 | 40.8 | 33.2 | 16.3 | ||||||||||||
market share | |||||||||||||||||||
Market Share in Customer Loans | % | 0.399 | 0.478 | 0.468 | 0.426 | 0.458 | |||||||||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.696 | 0.941 | 0.957 | 0.761 | 0.920 | ||||||
Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | 0.361 | 0.349 | 0.314 | 0.351 | 0.316 | ||||||
Market Share in Total Assets | % | 0.759 | 1.04 | 1.34 | 1.52 | 1.70 | |||||||||||||
Market Share in Customer Deposits | % | 1.14 | 1.57 | 2.07 | 2.49 | 2.71 |
ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
ROE | % | ... | 4.59 | 5.14 | 15.5 | 28.1 | 47.8 | ||||||||||||
ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.40 | 4.06 | 11.6 | 21.9 | 44.9 | ||
ROA | % | ... | 0.119 | 0.107 | 0.258 | 0.434 | 0.886 | ||||||||||||
Return on Loans | % | ... | 0.410 | 0.444 | 1.32 | 3.03 | 7.27 | ||||||||||||
Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.10 | 5.15 | 1.52 | 7.00 | 9.64 | ||
Costs (As % Of Assets) | % | ... | 1.53 | 1.15 | 0.850 | 0.661 | 0.591 | ||||||||||||
Costs (As % Of Income) | % | 67.9 | 55.9 | 79.0 | 41.6 | 31.8 | |||||||||||||
Costs (As % Of Loans) | % | ... | 5.29 | 4.76 | 4.34 | 4.61 | 4.85 | ||||||||||||
Costs (As % Of Loans & Deposits) | % | ... | 1.24 | 0.958 | 0.733 | 0.596 | 0.543 | ||||||||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | 12.4 | 12.3 | 11.2 | 12.5 | 15.3 | ||||||
Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.3 | 11.2 | 10.3 | 11.8 | 14.7 | |||
Net Interest Margin | % | ... | 0.749 | 0.802 | 0.624 | 0.597 | 1.12 | ||||||||||||
Interest Spread | % | ... | 0.722 | 0.797 | 0.622 | 0.596 | 1.12 | ||||||||||||
Asset Yield | % | ... | 1.77 | 1.01 | 0.731 | 0.668 | 1.35 | ||||||||||||
Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.67 | 11.7 | 7.27 | 12.0 | 14.1 | ||
Cost Of Liabilities | % | ... | 1.05 | 0.212 | 0.108 | 0.072 | 0.228 | ||||||||||||
Interest Income (As % Of Revenues) | % | 33.2 | 39.0 | 58.0 | 37.6 | 60.5 | |||||||||||||
Fee Income (As % Of Revenues) | % | 32.9 | 27.8 | 34.1 | 23.9 | 14.8 | |||||||||||||
Other Income (As % Of Revenues) | % | 33.8 | 33.2 | 7.91 | 38.5 | 24.8 | |||||||||||||
Staff Cost (As % Of Total Cost) | % | 6.20 | 6.83 | 4.98 | 5.20 | 6.15 | |||||||||||||
Equity (As % Of Assets) | % | 2.45 | 1.83 | 1.55 | 1.54 | 2.12 | |||||||||||||
Equity (As % Of Loans) | % | 9.53 | 7.95 | 9.07 | 12.6 | 17.5 | |||||||||||||
Loans (As % Of Deposits) | % | 26.9 | 24.0 | 17.7 | 12.7 | 12.6 | |||||||||||||
Loans (As % Assets) | % | 25.7 | 23.1 | 17.1 | 12.2 | 12.2 | |||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 13.5 | 11.4 | 9.94 | 7.92 | 5.59 | ||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.3 | 19.8 | 15.5 | 48.7 | 63.2 | ||||
Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | 2.98 | 2.30 | 1.56 | 4.01 | 3.67 | ||||||
Cost of Provisions (As % Of Loans) | % | ... | 1.97 | 2.98 | -0.457 | 2.91 | 1.54 |
other data | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
Branches | ... | ... | ... | ... | ... | ... | ... | 86.0 | 88.0 | 93.0 | 96.0 | 102 | |||||||
ATMs | ... | ... | ... | ... | ... | ... | ... | ... | 150 | 157 | 159 | 168 | 179 | ... | ... | ||||
ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | 174 | 178 | 171 | 175 | 175 | ... | ... | |||
Employees | ... | ... | ... | ... | ... | 71.0 | 76.0 | 53.0 | 49.0 | 53.0 | |||||||||
Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | 0.826 | 0.864 | 0.570 | 0.510 | 0.520 | |||||||
Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 1,776 | 1,776 | 1,821 | 2,343 | 3,029 | ||||||||
Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | 37,955 | 42,395 | 45,950 | 54,988 | 66,272 |
customer breakdown | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
Customers | mil | ... | ... | ... | ... | ... | 0.445 | 0.555 | 0.670 | 0.785 | 0.900 | ||||||||
Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,266,000 | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | |||
Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 1,726 | 1,825 | 1,109 | 1,902 | 2,395 | ||||||||
Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 91.0 | 95.3 | 266 | 520 | 1,143 | ||||||||
Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 23,647 | 23,940 | 20,599 | 16,748 | 16,815 | ||||||||
Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 87,762 | 99,676 | 116,233 | 132,116 | 133,981 | ||||||||
Revenue per Customer | USD | ... | ... | ... | ... | ... | 80.8 | 76.5 | 43.9 | 81.1 | 109 | ||||||||
Net Profit per Customer | USD | ... | ... | ... | ... | ... | 4.26 | 3.99 | 10.6 | 22.2 | 52.2 | ||||||||
Loan per Customer | USD | ... | ... | ... | ... | ... | 1,032 | 964 | 803 | 787 | 748 | ||||||||
Deposit per Customer | USD | ... | ... | ... | ... | ... | 3,830 | 4,015 | 4,533 | 6,205 | 5,964 |
Get all company financials in excel:
By Helgi Analytics - March 17, 2022
Fio banka's customer deposits reached CZK 202,279 mil in 2021-09-30, up 3.97% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,949 bil in 2021-09-30, up 1.60% when compared to the last year. Fio banka accounted for 3...
By Helgi Analytics - March 17, 2022
Fio banka generated total banking revenues of CZK 966 mil in 2021-09-30, up 19.3% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 45,285 mil in 2021-09-30, down 2.23% when compared to the last year. ...
By Helgi Analytics - March 21, 2022
Fio banka's retail loans reached CZK 15,000 mil in the third quarter of 2021, up 10.8% compared to the previous year. Czech banking sector provided retail loans of CZK 1,991 bil in 3Q2021, up 2.84% when compared to the last year. Fio banka accounted for 0...
By Helgi Analytics - March 17, 2022
Fio banka's capital adequacy ratio reached 20.9% at the end of second quarter of 2021, up from 19.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 21.4% in 3Q2020 and an all time low of 10.4% in 2Q2014. ...
By Helgi Analytics - March 17, 2022
Fio banka's non-performing loans reached 11.7% of total loans at the end of 2021-06-30, down from 13.1% 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 - March 17, 2022
Fio banka's net interest margin amounted to 1.13% in the third quarter of 2021, up from 1.00% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 1.88% in 4Q2019 and an all time low of 0.263% i...
By Helgi Analytics - March 17, 2022
Fio banka generated total banking revenues of CZK 966 mil in the third quarter of 2021, up 30.9% when compared to the same period of last year and 19.3% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee a...
By Helgi Analytics - March 17, 2022
Fio banka's cost to income ratio reached 25.9% in the third quarter of 2021, down from 28.3% 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 - March 17, 2022
Fio banka's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.078% in the third quarter of 2021, up from -0.160% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 1.58% in 4Q2015 an...
By Helgi Analytics - March 21, 2022
Fio banka's customer loan growth reached 35.9% in 2021-09-30, up from 31.6% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 67.2% in 2016-06-30 and an all time low of -43.8% in 2017-09-30. In the last decad...
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 24.8% and 25.9% a year on average in the last 5 years. Its loans and deposits have grown by 14.5% and 25.9% a year during that time and loans to deposits ratio reached 15.0% at the end of 2020. The company achieved an average return on equity of 33.1% in the last five years with net profit growing 86.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 31.6% in 2020, compared to 41.6% average in the last five years.
Equity represented 3.07% of total assets or 21.4% of loans at the end of 2020. Fio banka's non-performing loans were 13.6% of total loans while provisions covered some 42.1% of NPLs at the end of 2020.