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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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Annual Quarterly

summary

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income statement

Net Interest Income	CZK mil
Total Revenues	CZK mil
Operating Profit	CZK mil
Net Profit	CZK mil

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

Interbank Loans	CZK mil
Customer Loans	CZK mil
Debt Securities	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil

							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	0	0

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

								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%	13.3%	15.7%	13.5%	11.4%
...	...	...	...	...	...	...	...	...	4.15%	8.24%	21.3%	19.8%

Download Data

income statement

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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	0	0	0	0
20.1	78.5	44.3	51.7	92.2
3.34	15.0	8.09	11.2	39.3
0	0	0	0	0
16.8	63.4	36.2	40.5	52.9

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

							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

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balance sheet

Cash	CZK mil
Interbank Loans	CZK mil
Customer Loans	CZK mil
Retail Loans	CZK mil
Corporate Loans	CZK mil
Debt Securities	CZK mil
Fixed Assets	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Of Which Minority Interest	CZK mil
Liabilities	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Sight Deposits	CZK mil
Term Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

								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	0	0	0	0
								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	0	0
...	...	...	...	...	...	...		356	351	418	636	586

asset quality

Non-Performing Loans	CZK mil
Gross Loans	CZK mil
Total Provisions	CZK mil

...	...	...	...	...	...	...	0	864	1,462	1,468	1,548
...	...	...	...	...	...	...	5,199	6,501	9,329	10,836	13,593
...	...	...	...	...	...	...	0	35.8	120	313	306

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%

...								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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Consumer Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%

							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

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2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	CZK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

								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%	13.3%	15.7%	13.5%	11.4%
...	...	...	...	...	...	...	...	...	4.15%	8.24%	21.3%	19.8%
...	...	...	...	...	...	...		0%	0.554%	1.31%	2.98%	2.30%
								-0.198%	0.560%	0.973%	1.97%	2.98%

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other data

Unit

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other data

Branches
Employees
ATMs
Clients	mil
Sight (As % Of Customer Deposits)	%

...	...	...	...	...	...	...		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%

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Comparison of 22 Banks in Czech Republic

January 24, 2019

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly 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

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly 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.

Comparison of 24 Banks in Czech Republic

January 24, 2019

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

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.

The file contains data of following banks:

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

Fio banka in Quarterly Numbers

January 19, 2019

This Quarterly statistical dossier offers a summary of Fio banka's performance between Sep 10 and Sep 18 on an quarterly 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,

This Quarterly statistical dossier offers a summary of Fio banka's performance between Sep 10 and Sep 18 on an quarterly 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.

Fio banka in Numbers

September 24, 2018

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,

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.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Czech Banking - Analysis of 3Q2014

January 11, 2015

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

January 10, 2015

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

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

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

July 29, 2013

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

July 15, 2013

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

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What Banks in Czechia Were the Largest in 2017?

September 9, 2019

Based on a comparison of 30 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 CZK 1,329,220 mil, up 24.6% when compared to the

Based on a comparison of 30 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 CZK 1,329,220 mil, up 24.6% when compared to the last year. Historically, the bank’s assets reached an all time high of CZK 1,329,220 mil in 2017 and an all time low of CZK 438,055 mil in 2000.

Comparing Ceska Sporitelna with its closest peers, CSOB assets amounted to CZK 1,315,590 mil, Komercni Banka operated with CZK 1,004,040 mil assets and UniCredit Czech Republic had total assets of CZK 672,078 mil.

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 19.8% of the sector’s assets in 2017. The top 3 companies held a 54.3% share while the five largest firms some 72.7% 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.

What Banks in Czechia Had the Lowest Loan to Deposit Ratio in 2017?

September 9, 2019

Based on a comparison of 23 banks in the Czech Republic in 2017, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Air Bank.

Fio banka's loan to deposit ratio reached 12.7% at the end of 2017, down

Based on a comparison of 23 banks in the Czech Republic in 2017, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Air Bank.

Fio banka's loan to deposit ratio reached 12.7% at the end of 2017, down from 17.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 4,690% in 2004 and an all time low of 1.16% in 2009.

Comparing Fio banka with its closest peers, PPF Banka ended the year 2017 with loans to deposits at 21.1%, Air Bank with 43.3% and Banka Creditas some 44.7% of loans to deposits at the end of 2017.

Overall, total loans of the Czech banking sector amounted to 74.0% of deposits at the end of 2017.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Most Cost Efficient in 2017?

September 9, 2019

Based on a comparison of 29 banks in the Czech Republic in 2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 22.1% in 2017,

Based on a comparison of 29 banks in the Czech Republic in 2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 22.1% in 2017, down from 21.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2017, down from 0.429% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2017 with a cost to income ratio of 28.8%, Stavebni Sporitelna Ceske Sporitelny reached 37.2% and J&T Banka some 40.8%.

The average cost to income ratio reached 45.1% in the Czech banking sector in 2017.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Largest Deposit Takers in 2017?

September 9, 2019

Based on a comparison of 30 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 CZK 883,237 mil, up from CZK 788,873

Based on a comparison of 30 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 CZK 883,237 mil, up from CZK 788,873 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 883,237 mil in 2017 and an all time low of CZK 352,622 mil in 2000.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka's deposits amounted to CZK 762,043 mil at the end of 2017, CSOB operated with CZK 744,449 mil of customer deposits and UniCredit Czech Republic had clients' deposits of CZK 360,473 mil 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 21.2% of the sector’s deposits in 2017. The top 3 companies held a 57.3% share while the five largest firms some 72.0% 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.

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Fio's npls (as % of loans) fell 17.6% to 4.21% in 3Q2018

Fio's net profit fell 16.6% to CZK 234 mil in 3Q2018

Fio's customer deposits rose 3.04% to CZK 124,074 mil in 3Q2018

Fio's customer loans rose 19.5% to CZK 16,274 mil in 3Q2018

Fio's net interest income rose 44.1% to CZK 386 mil in 3Q2018

Fio's net interest margin rose 42.2% to 1.19% in 3Q2018

Fio's capital adequacy ratio rose 1.09% to 14.9% in 3Q2018

Fio's costs (as % of assets) rose 13.9% to 0.533% in 3Q2018

Fio's employees rose 8.89% to 49.0 in 3Q2018

Fio's provisions (as % of loans) rose 34.4% to 2.35% in 3Q2018

Fio's Cost of Risk rose 439% to 0.446% in 3Q2018