By Helgi Analytics - March 21, 2022
J&T Banka employed 593 persons in 2021-09-30, up 1.34% when compared to the previous year. Historically, the bank's workforc...
By Helgi Analytics - March 21, 2022
J&T Banka's retail loans reached CZK 1,300 mil in the third quarter of 2021, down 0% compared to the previous year. Czech b...
By Helgi Analytics - March 21, 2022
J&T Banka made a net profit of CZK 425 mil under revenues of CZK 1,515 mil in the third quarter of 2021, up 33.3% and 5.8...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 8,318 | 8,466 | 3,233 |
| Net Fee Income | CZK mil | 2,794 | 2,561 | 958 |
| Other Income | CZK mil | 97.5 | 1,098 | 719 |
| Total Revenues | CZK mil | 11,210 | 12,125 | 4,910 |
| Staff Cost | CZK mil | 2,803 | 3,229 | 2,089 |
| Operating Profit | CZK mil | 5,410 | 5,590 | 732 |
| Provisions | CZK mil | 1,816 | 1,937 | -617 |
| Net Profit | CZK mil | 2,737 | 2,659 | 1,058 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 82,497 | 79,135 | 70,214 |
| Customer Loans | CZK mil | 129,777 | 126,344 | 62,713 |
| Investments | CZK mil | 34,179 | 37,054 | 11,323 |
| Total Assets | CZK mil | 280,273 | 280,564 | 166,236 |
| Shareholders' Equity | CZK mil | 42,252 | 44,035 | 20,889 |
| Interbank Borrowing | CZK mil | 0 | 0 | 0 |
| Customer Deposits | CZK mil | 213,571 | 211,866 | 134,042 |
| Issued Debt Securities | CZK mil | 13,797 | 11,657 | 0 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 8.87 | 6.16 | 3.26 |
| ROA | % | 1.29 | 0.948 | 0.473 |
| Costs (As % Of Assets) | % | 2.74 | 2.33 | 1.87 |
| Costs (As % Of Income) | % | 51.7 | 53.9 | 85.1 |
| Capital Adequacy Ratio | % | 15.5 | 17.6 | 16.7 |
| Net Interest Margin | % | 3.93 | 3.02 | 1.45 |
| Loans (As % Of Deposits) | % | 60.8 | 59.6 | 46.8 |
| NPLs (As % Of Loans) | % | 10.3 | 8.44 | 7.12 |
| Provisions (As % Of NPLs) | % | 68.1 | 77.0 | 64.4 |
| Growth Rates | 2018 | 2019 | 2020 | |
| Total Revenue Growth | % | 98.3 | 8.17 | -59.5 |
| Operating Cost Growth | % | 151 | 12.7 | -36.1 |
| Operating Profit Growth | % | 61.8 | 3.32 | -86.9 |
| Net Profit Growth | % | 21.1 | -2.84 | -60.2 |
| Customer Loan Growth | % | 87.8 | -2.65 | -50.4 |
| Total Asset Growth | % | 96.0 | 0.104 | -40.7 |
| Customer Deposit Growth | % | 133 | -0.799 | -36.7 |
| Shareholders' Equity Growth | % | 117 | 4.22 | -52.6 |
| Employees | 650 | 542 | 557 | |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||
| Net Interest Income | CZK mil | 2,911 | 3,088 | 3,220 | 3,725 | 8,318 | ||||||||||||
| Total Revenues | CZK mil | 3,975 | 4,206 | 4,664 | 5,652 | 11,210 | ||||||||||||
| Operating Profit | CZK mil | 1,686 | 1,937 | 2,433 | 3,344 | 5,410 | ||||||||||||
| Net Profit | CZK mil | 1,330 | 1,967 | 1,042 | 2,260 | 2,737 | ||||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | CZK mil | 7,164 | 34,379 | 23,423 | 47,757 | 82,497 | ||||||||||||
| Customer Loans | CZK mil | 71,170 | 74,668 | 76,139 | 69,109 | 129,777 | ||||||||||||
| Investments | CZK mil | 32,880 | 23,912 | 15,504 | 16,249 | 34,179 | ||||||||||||
| Total Assets | CZK mil | 133,801 | 154,851 | 133,114 | 142,996 | 280,273 | ||||||||||||
| Shareholders' Equity | CZK mil | 15,343 | 16,945 | 19,128 | 19,476 | 42,252 | ||||||||||||
| Interbank Borrowing | CZK mil | 4,616 | 4,259 | 3,174 | 21,923 | 0 | ||||||||||||
| Customer Deposits | CZK mil | 106,946 | 121,812 | 103,053 | 91,704 | 213,571 | ||||||||||||
| Issued Debt Securities | CZK mil | 1,908 | 2,049 | 1,443 | 1,567 | 13,797 | ||||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | 9.05 | 12.2 | 5.78 | 11.7 | 8.87 | |||||||||||
| ROA | % | ... | 1.09 | 1.36 | 0.724 | 1.64 | 1.29 | |||||||||||
| Costs (As % Of Assets) | % | ... | 1.88 | 1.57 | 1.55 | 1.67 | 2.74 | |||||||||||
| Costs (As % Of Income) | % | 57.6 | 53.9 | 47.8 | 40.8 | 51.7 | ||||||||||||
| Capital Adequacy Ratio | % | 14.5 | 15.8 | 15.9 | 16.0 | 15.5 | ||||||||||||
| Net Interest Margin | % | ... | 2.39 | 2.14 | 2.24 | 2.70 | 3.93 | |||||||||||
| Interest Income (As % Of Revenues) | % | 73.2 | 73.4 | 69.0 | 65.9 | 74.2 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 16.2 | 14.4 | 22.2 | 20.1 | 24.9 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 34.6 | 38.2 | 42.4 | 47.0 | 48.3 | ||||||||||||
| Equity (As % Of Assets) | % | 11.5 | 10.9 | 14.4 | 13.6 | 15.1 | ||||||||||||
| Loans (As % Of Deposits) | % | 66.5 | 61.3 | 73.9 | 75.4 | 60.8 | ||||||||||||
| Loans (As % Assets) | % | 53.2 | 48.2 | 57.2 | 48.3 | 46.3 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 4.72 | 10.2 | 10.0 | 10.7 | 10.3 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 29.6 | 19.8 | 34.2 | 39.3 | 68.1 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||
| Interest Income | CZK mil | 5,796 | 5,689 | 5,418 | 5,041 | 10,578 | ||||||||||||
| Interest Cost | CZK mil | 2,885 | 2,601 | 2,198 | 1,316 | 2,260 | ||||||||||||
| Net Interest Income | CZK mil | 2,911 | 3,088 | 3,220 | 3,725 | 8,318 | ||||||||||||
| Net Fee Income | CZK mil | 642 | 605 | 1,037 | 1,137 | 2,794 | ||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,517 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 723 | ||
| Other Income | CZK mil | 422 | 513 | 407 | 790 | 97.5 | ||||||||||||
| Total Revenues | CZK mil | 3,975 | 4,206 | 4,664 | 5,652 | 11,210 | ||||||||||||
| Staff Cost | CZK mil | 793 | 867 | 946 | 1,084 | 2,803 | ||||||||||||
| Depreciation | CZK mil | 90.0 | 102 | 101 | 96.0 | 735 | ||||||||||||
| Other Cost | CZK mil | 1,406 | 1,300 | 1,184 | 1,128 | 2,262 | ||||||||||||
| Operating Cost | CZK mil | 2,289 | 2,269 | 2,231 | 2,308 | 5,800 | ||||||||||||
| Operating Profit | CZK mil | 1,686 | 1,937 | 2,433 | 3,344 | 5,410 | ||||||||||||
| Provisions | CZK mil | 303 | 754 | 1,023 | 710 | 1,816 | ||||||||||||
| Extra and Other Cost | CZK mil | -340 | -954 | 50.0 | 17.0 | 0 | ||||||||||||
| Pre-Tax Profit | CZK mil | 1,723 | 2,137 | 1,360 | 2,617 | 3,594 | ||||||||||||
| Tax | CZK mil | 381 | 261 | 407 | 421 | 857 | ||||||||||||
| Minorities | CZK mil | 12.0 | -91.0 | 89.0 | 64.0 | 32.0 | ||||||||||||
| Net Profit | CZK mil | 1,330 | 1,967 | 1,042 | 2,260 | 2,737 | ||||||||||||
| Net Profit Avail. to Common | CZK mil | 1,330 | 1,967 | 1,042 | 2,260 | 2,705 | ||||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | 58.9 | 6.08 | 4.27 | 15.7 | 123 | |||||||||||
| Net Fee Income Growth | % | ... | 43.3 | -5.76 | 71.4 | 9.64 | 146 | |||||||||||
| Total Revenue Growth | % | ... | 33.1 | 5.81 | 10.9 | 21.2 | 98.3 | |||||||||||
| Operating Cost Growth | % | ... | 29.3 | -0.874 | -1.67 | 3.45 | 151 | |||||||||||
| Operating Profit Growth | % | ... | 38.5 | 14.9 | 25.6 | 37.4 | 61.8 | |||||||||||
| Pre-Tax Profit Growth | % | ... | 71.3 | 24.0 | -36.4 | 92.4 | 37.3 | |||||||||||
| Net Profit Growth | % | ... | 36.1 | 47.9 | -47.0 | 117 | 21.1 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | 2.37 | 2.42 | 2.59 | 3.15 | 5.89 | ||||||||||||
| Market Share in Net Profit | % | 2.11 | 2.96 | 1.41 | 3.00 | 3.36 | ||||||||||||
| Market Share in Employees | % | 1.71 | 1.67 | 1.75 | 1.74 | 1.55 | ||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.102 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | ||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 13,339 | 19,724 | 15,513 | 6,911 | 13,996 | ||||||||||||
| Interbank Loans | CZK mil | 7,164 | 34,379 | 23,423 | 47,757 | 82,497 | ||||||||||||
| Customer Loans | CZK mil | 71,170 | 74,668 | 76,139 | 69,109 | 129,777 | ||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,729 | 3,709 | 2,808 | 1,983 | 33,537 | |||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 52,014 | 54,435 | 47,293 | 41,723 | 106,085 | |||
| Investments | CZK mil | 32,880 | 23,912 | 15,504 | 16,249 | 34,179 | ||||||||||||
| Property and Equipment | CZK mil | 560 | 524 | 355 | 333 | 884 | ||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,161 | ||
| Goodwill | CZK mil | 95.0 | 30.0 | 30.0 | 33.0 | 676 | ||||||||||||
| Total Assets | CZK mil | 133,801 | 154,851 | 133,114 | 142,996 | 280,273 | ||||||||||||
| Shareholders' Equity | CZK mil | 15,343 | 16,945 | 19,128 | 19,476 | 42,252 | ||||||||||||
| Of Which Minority Interest | CZK mil | 826 | 743 | 663 | 594 | 1,033 | ||||||||||||
| Liabilities | CZK mil | 118,458 | 137,906 | 113,986 | 123,520 | 238,021 | ||||||||||||
| Interbank Borrowing | CZK mil | 4,616 | 4,259 | 3,174 | 21,923 | 0 | ||||||||||||
| Customer Deposits | CZK mil | 106,946 | 121,812 | 103,053 | 91,704 | 213,571 | ||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 67,230 | 78,721 | ... | ... | ... | ... | ... | ||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 39,697 | 42,987 | ... | ... | ... | ... | ... | ||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11,009 | 40,533 | ... | ... | ... | ... | ... | |
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 95,814 | 81,073 | ... | ... | ... | ... | ... | |
| Issued Debt Securities | CZK mil | 1,908 | 2,049 | 1,443 | 1,567 | 13,797 | ||||||||||||
| Other Liabilities | CZK mil | 4,988 | 9,786 | 6,316 | 8,326 | 10,653 | ||||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 3,407 | 7,757 | 7,905 | 7,690 | 14,449 | ||||||||||
| Gross Loans | CZK mil | 72,177 | 76,207 | 78,839 | 72,132 | 139,622 | ||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 108,573 | 113,600 | 128,982 | 129,066 | 262,812 | ||
| Total Provisions | CZK mil | 1,007 | 1,539 | 2,700 | 3,023 | 9,845 | ||||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | 18.6 | 4.91 | 1.97 | -9.23 | 87.8 | |||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.2 | -0.536 | -24.3 | -29.4 | 1,591 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.2 | 4.65 | -13.1 | -11.8 | 154 | ||
| Total Asset Growth | % | ... | 21.4 | 15.7 | -14.0 | 7.42 | 96.0 | |||||||||||
| Shareholders' Equity Growth | % | ... | 9.23 | 10.4 | 12.9 | 1.82 | 117 | |||||||||||
| Customer Deposit Growth | % | ... | 24.6 | 13.9 | -15.4 | -11.0 | 133 | |||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 41.5 | 17.1 | ... | ... | ... | ... | ... | |
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.58 | 8.29 | ... | ... | ... | ... | ... | |
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 2.70 | 2.68 | 2.58 | 2.24 | 3.93 | ||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.95 | 5.91 | 4.85 | 4.08 | 9.82 | |||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.303 | 0.280 | 0.198 | 0.130 | 2.04 | |||
| Market Share in Total Assets | % | 2.48 | 2.79 | 2.21 | 2.02 | 3.82 | ||||||||||||
| Market Share in Customer Deposits | % | 3.11 | 3.46 | 2.74 | 2.20 | 4.80 | ||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | 3.50 | 3.87 | ... | ... | ... | ... | ... | ||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | 4.74 | 4.66 | ... | ... | ... | ... | ... |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | 9.05 | 12.2 | 5.78 | 11.7 | 8.87 | |||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.17 | 11.8 | 5.73 | 11.7 | 9.31 | ||
| ROA | % | ... | 1.09 | 1.36 | 0.724 | 1.64 | 1.29 | |||||||||||
| Return on Loans | % | ... | 2.03 | 2.70 | 1.38 | 3.11 | 2.75 | |||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.55 | 1.74 | 2.01 | 2.59 | 2.76 | ||
| Costs (As % Of Assets) | % | ... | 1.88 | 1.57 | 1.55 | 1.67 | 2.74 | |||||||||||
| Costs (As % Of Income) | % | 57.6 | 53.9 | 47.8 | 40.8 | 51.7 | ||||||||||||
| Costs (As % Of Loans) | % | ... | 3.49 | 3.11 | 2.96 | 3.18 | 5.83 | |||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.41 | 1.21 | 1.19 | 1.36 | 2.30 | |||||||||||
| Capital Adequacy Ratio | % | 14.5 | 15.8 | 15.9 | 16.0 | 15.5 | ||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | 11.7 | 12.2 | 14.8 | 15.1 | 15.3 | |||||||
| Net Interest Margin | % | ... | 2.39 | 2.14 | 2.24 | 2.70 | 3.93 | |||||||||||
| Interest Spread | % | ... | 2.06 | 1.91 | 2.02 | 2.54 | 3.75 | |||||||||||
| Asset Yield | % | ... | 4.75 | 3.94 | 3.76 | 3.65 | 5.00 | |||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.66 | 3.79 | 3.85 | 4.38 | 5.72 | ||
| Cost Of Liabilities | % | ... | 2.69 | 2.03 | 1.75 | 1.11 | 1.25 | |||||||||||
| Interest Income (As % Of Revenues) | % | 73.2 | 73.4 | 69.0 | 65.9 | 74.2 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 16.2 | 14.4 | 22.2 | 20.1 | 24.9 | ||||||||||||
| Other Income (As % Of Revenues) | % | 10.6 | 12.2 | 8.73 | 14.0 | 0.870 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 34.6 | 38.2 | 42.4 | 47.0 | 48.3 | ||||||||||||
| Equity (As % Of Assets) | % | 11.5 | 10.9 | 14.4 | 13.6 | 15.1 | ||||||||||||
| Equity (As % Of Loans) | % | 21.6 | 22.7 | 25.1 | 28.2 | 32.6 | ||||||||||||
| Loans (As % Of Deposits) | % | 66.5 | 61.3 | 73.9 | 75.4 | 60.8 | ||||||||||||
| Loans (As % Assets) | % | 53.2 | 48.2 | 57.2 | 48.3 | 46.3 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 4.72 | 10.2 | 10.0 | 10.7 | 10.3 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 29.6 | 19.8 | 34.2 | 39.3 | 68.1 | ||||||||||
| Provisions (As % Of Loans) | % | 1.41 | 2.06 | 3.55 | 4.37 | 7.59 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.462 | 1.03 | 1.36 | 0.978 | 1.83 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.00 | |||
| Employees | 688 | 689 | 717 | 730 | 650 | |||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 325 | |||
| Cost Per Employee | USD per month | 4,494 | 4,393 | 4,358 | 5,274 | 16,424 | ||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 96,051 | 104,862 | 109,949 | 123,744 | 359,338 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | ... | ... | 0.051 | 0.055 | 0.053 | 0.048 | ... | ... | ... | |||||
| 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 | ... | ... | ... | ... | ... | 77,941 | 76,473 | 87,241 | 117,846 | ... | ... | ... | |||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 26,078 | 35,764 | 19,491 | 47,122 | ... | ... | ... | |||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 1,395,490 | 1,357,600 | 1,424,200 | 1,440,940 | ... | ... | ... | |||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 2,096,980 | 2,214,760 | 1,927,630 | 1,912,050 | ... | ... | ... | |||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | 3,647 | 3,204 | 3,458 | 5,022 | ... | ... | ... | |||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | 1,220 | 1,498 | 772 | 2,008 | ... | ... | ... | |||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | 60,900 | 54,689 | 55,548 | 67,678 | ... | ... | ... | |||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | 91,514 | 89,219 | 75,184 | 89,806 | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - March 21, 2022
J&T Banka's non-performing loans reached 6.42% of total loans at the end of 2021-03-31, up from 6.12% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.1% in 2019-03-31 and an all time low of 4.87% in 2020-06-30. Prov...
By Helgi Analytics - March 21, 2022
J&T Banka's customer deposits reached CZK 161,061 mil in 3Q2021, up 6.12% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,949 bil in 3Q2021, up 1.60% when compared to the last year. J&T Banka accounted for 2...
By Helgi Analytics - March 21, 2022
J&T Banka's customer loans reached CZK 74,608 mil in 2021-09-30, up 5.86% compared to the previous year. Czech banking sector provided customer loans of CZK 3,777 bil in 2021-09-30, up 2.04% when compared to the last year. J&T Banka accounted for ...
By Helgi Analytics - March 21, 2022
J&T Banka's net interest margin amounted to 1.89% in the third quarter of 2021, down from 1.96% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.23% in 4Q2018 and an all time low of 1....
By Helgi Analytics - March 21, 2022
J&T Banka generated total banking revenues of CZK 1,515 mil in 2021-09-30, up 7.51% 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 y...
By Helgi Analytics - March 21, 2022
J&T Banka's capital adequacy ratio reached 17.7% at the end of second quarter of 2021, up from 16.1% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 18.7% in 2Q2019 and an all time low of 15.6% in 1Q2018. ...
By Helgi Analytics - March 21, 2022
J&T Banka's cost to income ratio reached 42.1% in the third quarter of 2021, down from 43.7% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 65.3% of income in 1Q2020 and an all time low of 34.0% in 2Q201...
By Helgi Analytics - March 21, 2022
J&T Banka's customer loan growth reached 31.9% in 2021-09-30, up from 20.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 36.8% in 2020-06-30 and an all time low of -68.9% in 2019-06-30. In the last d...
By Helgi Analytics - March 21, 2022
J&T Banka generated total banking revenues of CZK 1,515 mil in the third quarter of 2021, up 5.81% when compared to the same period of last year and 7.51% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
By Helgi Analytics - March 21, 2022
J&T Banka's Equity reached 11.8% of total assets in the 3Q2021, up from 11.4% for the previous year. As a share of net customer loans, the ratio amounted to 31.7% at the end of the third quarter of 2021. ...
J&T Banka is a Czech Republic-based bank, It is a subsidiary of J&T Group, which provides investment, corporate, and retail banking services in the Czech Republic, Slovakia, and Russia. The Bank offers bank deposits, investments and advisory services comprising portfolio management, asset structuring, and concierge services. The Bank also provides financing products, which include loan financing, securities financing, and current accounts; and other banking services, such as payment cards. J&T Group is an investment group founded in 1993 in Slovakia. J&T invests mainly into the financial services, energy sector, real estate, health care, media and sports. The name of the company is derived from the family names of its two founders Ivan Jakabovič and Patrik Tkáč
J&T Banka has been growing its revenues and asset by 13.5% and 13.5% a year on average in the last 10 years. Its loans and deposits have grown by 7.84% and 13.1% a year during that time and loans to deposits ratio reached 46.8% at the end of 2020. The company achieved an average return on equity of 8.83% in the last decade with net profit growing 14.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 85.1% in 2020, compared to 55.7% average in the last decade.
Equity represented 12.6% of total assets or 33.3% of loans at the end of 2020. J&T Banka's non-performing loans were 7.12% of total loans while provisions covered some 64.4% of NPLs at the end of 2020.
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