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...
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...
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 |
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 | 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 |
Get all company financials in excel:
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 ...
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 ...
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 ...
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...
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...
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...
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...
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...
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. ...
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. ...
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 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.