By Helgi Analytics - November 28, 2022
J&T Banka made a net profit of CZK 2,277 mil under revenues of CZK 3,666 mil in the third quarter of 2022, up 436% and 14...
By Helgi Analytics - November 28, 2022
J&T Banka made a net profit of CZK 2,277 mil in the third quarter of 2022, up 436% when compared to the same period of last y...
By Helgi Analytics - November 28, 2022
J&T Banka employed 664 persons in 2022-09-30, up 6.01% when compared to the previous year. Historically, the bank's workforc...
| Profit Statement | 2019 | 2020 | 2021 | |
| Net Interest Income | CZK mil | 8,466 | 3,233 | 3,983 |
| Net Fee Income | CZK mil | 2,561 | 958 | 1,214 |
| Other Income | CZK mil | 1,098 | 719 | -18.6 |
| Total Revenues | CZK mil | 12,125 | 4,910 | 5,179 |
| Staff Cost | CZK mil | 3,229 | 2,089 | 1,002 |
| Operating Profit | CZK mil | 5,590 | 732 | 3,005 |
| Provisions | CZK mil | 1,937 | -617 | 1,126 |
| Net Profit | CZK mil | 2,659 | 1,058 | 1,459 |
| Balance Sheet | 2019 | 2020 | 2021 | |
| Interbank Loans | CZK mil | 79,135 | 70,214 | 98,456 |
| Customer Loans | CZK mil | 126,344 | 62,713 | 61,684 |
| Investments | CZK mil | 37,054 | 11,323 | 12,301 |
| Total Assets | CZK mil | 280,564 | 166,236 | 194,134 |
| Shareholders' Equity | CZK mil | 44,035 | 20,889 | 23,477 |
| Interbank Borrowing | CZK mil | 0 | 0 | 4,371 |
| Customer Deposits | CZK mil | 211,866 | 134,042 | 149,306 |
| Issued Debt Securities | CZK mil | 11,657 | 0 | 13,237 |
| Ratios | 2019 | 2020 | 2021 | |
| ROE | % | 6.16 | 3.26 | 6.58 |
| ROA | % | 0.948 | 0.473 | 0.810 |
| Costs (As % Of Assets) | % | 2.33 | 1.87 | 1.21 |
| Costs (As % Of Income) | % | 53.9 | 85.1 | 42.0 |
| Capital Adequacy Ratio | % | 17.6 | 16.7 | 17.7 |
| Net Interest Margin | % | 3.02 | 1.45 | 2.21 |
| Loans (As % Of Deposits) | % | 59.6 | 46.8 | 41.3 |
| NPLs (As % Of Loans) | % | 8.44 | 7.12 | 8.42 |
| Provisions (As % Of NPLs) | % | 77.0 | 64.4 | 54.0 |
| Growth Rates | 2019 | 2020 | 2021 | |
| Total Revenue Growth | % | 8.17 | -59.5 | 5.48 |
| Operating Cost Growth | % | 12.7 | -36.1 | -48.0 |
| Operating Profit Growth | % | 3.32 | -86.9 | 311 |
| Net Profit Growth | % | -2.84 | -60.2 | 37.9 |
| Customer Loan Growth | % | -2.65 | -50.4 | -1.64 |
| Total Asset Growth | % | 0.104 | -40.7 | 16.8 |
| Customer Deposit Growth | % | -0.799 | -36.7 | 11.4 |
| Shareholders' Equity Growth | % | 4.22 | -52.6 | 12.4 |
| Employees | 542 | 557 | 591 | |
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 | 2021 |
| income statement | |||||||||||||||||||
| Net Interest Income | CZK mil | 3,088 | 3,220 | 3,725 | 8,318 | 8,466 | |||||||||||||
| Total Revenues | CZK mil | 4,206 | 4,664 | 5,652 | 11,210 | 12,125 | |||||||||||||
| Operating Profit | CZK mil | 1,937 | 2,433 | 3,344 | 5,410 | 5,590 | |||||||||||||
| Net Profit | CZK mil | 1,967 | 1,042 | 2,260 | 2,737 | 2,659 | |||||||||||||
| balance sheet | |||||||||||||||||||
| Interbank Loans | CZK mil | 34,379 | 23,423 | 47,757 | 82,497 | 79,135 | |||||||||||||
| Customer Loans | CZK mil | 74,668 | 76,139 | 69,109 | 129,777 | 126,344 | |||||||||||||
| Investments | CZK mil | 23,912 | 15,504 | 16,249 | 34,179 | 37,054 | |||||||||||||
| Total Assets | CZK mil | 154,851 | 133,114 | 142,996 | 280,273 | 280,564 | |||||||||||||
| Shareholders' Equity | CZK mil | 16,945 | 19,128 | 19,476 | 42,252 | 44,035 | |||||||||||||
| Interbank Borrowing | CZK mil | 4,259 | 3,174 | 21,923 | 0 | 0 | |||||||||||||
| Customer Deposits | CZK mil | 121,812 | 103,053 | 91,704 | 213,571 | 211,866 | |||||||||||||
| Issued Debt Securities | CZK mil | 2,049 | 1,443 | 1,567 | 13,797 | 11,657 | |||||||||||||
| ratios | |||||||||||||||||||
| ROE | % | ... | 12.2 | 5.78 | 11.7 | 8.87 | 6.16 | ||||||||||||
| ROA | % | ... | 1.36 | 0.724 | 1.64 | 1.29 | 0.948 | ||||||||||||
| Costs (As % Of Assets) | % | ... | 1.57 | 1.55 | 1.67 | 2.74 | 2.33 | ||||||||||||
| Costs (As % Of Income) | % | 53.9 | 47.8 | 40.8 | 51.7 | 53.9 | |||||||||||||
| Capital Adequacy Ratio | % | 15.8 | 15.9 | 16.0 | 15.5 | 17.6 | |||||||||||||
| Net Interest Margin | % | ... | 2.14 | 2.24 | 2.70 | 3.93 | 3.02 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 73.4 | 69.0 | 65.9 | 74.2 | 69.8 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 14.4 | 22.2 | 20.1 | 24.9 | 21.1 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | 38.2 | 42.4 | 47.0 | 48.3 | 49.4 | |||||||||||||
| Equity (As % Of Assets) | % | 10.9 | 14.4 | 13.6 | 15.1 | 15.7 | |||||||||||||
| Loans (As % Of Deposits) | % | 61.3 | 73.9 | 75.4 | 60.8 | 59.6 | |||||||||||||
| Loans (As % Assets) | % | 48.2 | 57.2 | 48.3 | 46.3 | 45.0 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 10.2 | 10.0 | 10.7 | 10.3 | 8.44 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 19.8 | 34.2 | 39.3 | 68.1 | 77.0 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| income statement | |||||||||||||||||||
| Interest Income | CZK mil | 5,689 | 5,418 | 5,041 | 10,578 | 11,017 | |||||||||||||
| Interest Cost | CZK mil | 2,601 | 2,198 | 1,316 | 2,260 | 2,551 | |||||||||||||
| Net Interest Income | CZK mil | 3,088 | 3,220 | 3,725 | 8,318 | 8,466 | |||||||||||||
| Net Fee Income | CZK mil | 605 | 1,037 | 1,137 | 2,794 | 2,561 | |||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,517 | 3,546 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 723 | 985 | ||
| Other Income | CZK mil | 513 | 407 | 790 | 97.5 | 1,098 | |||||||||||||
| Total Revenues | CZK mil | 4,206 | 4,664 | 5,652 | 11,210 | 12,125 | |||||||||||||
| Staff Cost | CZK mil | 867 | 946 | 1,084 | 2,803 | 3,229 | |||||||||||||
| Depreciation | CZK mil | 102 | 101 | 96.0 | 735 | 1,104 | |||||||||||||
| Other Cost | CZK mil | 1,300 | 1,184 | 1,128 | 2,262 | 2,203 | |||||||||||||
| Operating Cost | CZK mil | 2,269 | 2,231 | 2,308 | 5,800 | 6,535 | |||||||||||||
| Operating Profit | CZK mil | 1,937 | 2,433 | 3,344 | 5,410 | 5,590 | |||||||||||||
| Provisions | CZK mil | 754 | 1,023 | 710 | 1,816 | 1,937 | |||||||||||||
| Extra and Other Cost | CZK mil | -954 | 50.0 | 17.0 | 0 | 0 | |||||||||||||
| Pre-Tax Profit | CZK mil | 2,137 | 1,360 | 2,617 | 3,594 | 3,652 | |||||||||||||
| Tax | CZK mil | 261 | 407 | 421 | 857 | 993 | |||||||||||||
| Minorities | CZK mil | -91.0 | 89.0 | 64.0 | 32.0 | -0.829 | |||||||||||||
| Net Profit | CZK mil | 1,967 | 1,042 | 2,260 | 2,737 | 2,659 | |||||||||||||
| Net Profit Avail. to Common | CZK mil | 1,967 | 1,042 | 2,260 | 2,705 | 2,660 | ... | ||||||||||||
| growth rates | |||||||||||||||||||
| Net Interest Income Growth | % | ... | 6.08 | 4.27 | 15.7 | 123 | 1.78 | ||||||||||||
| Net Fee Income Growth | % | ... | -5.76 | 71.4 | 9.64 | 146 | -8.35 | ||||||||||||
| Total Revenue Growth | % | ... | 5.81 | 10.9 | 21.2 | 98.3 | 8.17 | ||||||||||||
| Operating Cost Growth | % | ... | -0.874 | -1.67 | 3.45 | 151 | 12.7 | ||||||||||||
| Operating Profit Growth | % | ... | 14.9 | 25.6 | 37.4 | 61.8 | 3.32 | ||||||||||||
| Pre-Tax Profit Growth | % | ... | 24.0 | -36.4 | 92.4 | 37.3 | 1.63 | ||||||||||||
| Net Profit Growth | % | ... | 47.9 | -47.0 | 117 | 21.1 | -2.84 | ||||||||||||
| market share | |||||||||||||||||||
| Market Share in Revenues | % | 2.42 | 2.59 | 3.15 | 5.89 | 6.00 | |||||||||||||
| Market Share in Net Profit | % | 2.96 | 1.41 | 3.00 | 3.36 | 2.92 | |||||||||||||
| Market Share in Employees | % | 1.67 | 1.75 | 1.74 | 1.55 | 1.30 | |||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.102 | 0.105 | ... |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| balance sheet | |||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 19,724 | 15,513 | 6,911 | 13,996 | 14,381 | |||||||||||||
| Interbank Loans | CZK mil | 34,379 | 23,423 | 47,757 | 82,497 | 79,135 | |||||||||||||
| Customer Loans | CZK mil | 74,668 | 76,139 | 69,109 | 129,777 | 126,344 | |||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,709 | 2,808 | 1,983 | 33,537 | 37,676 | ||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 54,435 | 47,293 | 41,723 | 106,085 | 97,446 | ||||
| Investments | CZK mil | 23,912 | 15,504 | 16,249 | 34,179 | 37,054 | |||||||||||||
| Property and Equipment | CZK mil | 524 | 355 | 333 | 884 | 2,134 | |||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,161 | 1,293 | ||
| Goodwill | CZK mil | 30.0 | 30.0 | 33.0 | 676 | 127 | ... | ||||||||||||
| Total Assets | CZK mil | 154,851 | 133,114 | 142,996 | 280,273 | 280,564 | |||||||||||||
| Shareholders' Equity | CZK mil | 16,945 | 19,128 | 19,476 | 42,252 | 44,035 | |||||||||||||
| Of Which Minority Interest | CZK mil | 743 | 663 | 594 | 1,033 | 990 | |||||||||||||
| Liabilities | CZK mil | 137,906 | 113,986 | 123,520 | 238,021 | 236,529 | |||||||||||||
| Interbank Borrowing | CZK mil | 4,259 | 3,174 | 21,923 | 0 | 0 | |||||||||||||
| Customer Deposits | CZK mil | 121,812 | 103,053 | 91,704 | 213,571 | 211,866 | |||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 78,721 | ... | ... | ... | ... | ... | ... | |||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 42,987 | ... | ... | ... | ... | ... | ... | |||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 40,533 | ... | ... | ... | ... | ... | ... | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 81,073 | ... | ... | ... | ... | ... | ... | ||
| Issued Debt Securities | CZK mil | 2,049 | 1,443 | 1,567 | 13,797 | 11,657 | |||||||||||||
| Other Liabilities | CZK mil | 9,786 | 6,316 | 8,326 | 10,653 | 13,007 | |||||||||||||
| asset quality | |||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 7,757 | 7,905 | 7,690 | 14,449 | 11,406 | |||||||||||
| Gross Loans | CZK mil | 76,207 | 78,839 | 72,132 | 139,622 | 135,122 | |||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 113,600 | 128,982 | 129,066 | 262,812 | 104,728 | |||
| Total Provisions | CZK mil | 1,539 | 2,700 | 3,023 | 9,845 | 8,778 | |||||||||||||
| growth rates | |||||||||||||||||||
| Customer Loan Growth | % | ... | 4.91 | 1.97 | -9.23 | 87.8 | -2.65 | ||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.536 | -24.3 | -29.4 | 1,591 | 12.3 | |||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.65 | -13.1 | -11.8 | 154 | -8.14 | |||
| Total Asset Growth | % | ... | 15.7 | -14.0 | 7.42 | 96.0 | 0.104 | ||||||||||||
| Shareholders' Equity Growth | % | ... | 10.4 | 12.9 | 1.82 | 117 | 4.22 | ||||||||||||
| Customer Deposit Growth | % | ... | 13.9 | -15.4 | -11.0 | 133 | -0.799 | ||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.1 | ... | ... | ... | ... | ... | ... | ||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.29 | ... | ... | ... | ... | ... | ... | ||
| market share | |||||||||||||||||||
| Market Share in Customer Loans | % | 2.68 | 2.58 | 2.24 | 3.93 | 3.66 | |||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.91 | 4.85 | 4.08 | 9.82 | 8.70 | ||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.280 | 0.198 | 0.130 | 2.04 | 2.16 | ||||
| Market Share in Total Assets | % | 2.79 | 2.21 | 2.02 | 3.82 | 3.72 | |||||||||||||
| Market Share in Customer Deposits | % | 3.46 | 2.74 | 2.20 | 4.80 | 4.47 | |||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | 3.87 | ... | ... | ... | ... | ... | ... | |||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | 4.66 | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| ROE | % | ... | 12.2 | 5.78 | 11.7 | 8.87 | 6.16 | ||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.50 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.8 | 5.73 | 11.7 | 9.31 | 9.65 | |||
| ROA | % | ... | 1.36 | 0.724 | 1.64 | 1.29 | 0.948 | ||||||||||||
| Return on Loans | % | ... | 2.70 | 1.38 | 3.11 | 2.75 | 2.08 | ||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.74 | 2.01 | 2.59 | 2.76 | 3.04 | |||
| Costs (As % Of Assets) | % | ... | 1.57 | 1.55 | 1.67 | 2.74 | 2.33 | ||||||||||||
| Costs (As % Of Income) | % | 53.9 | 47.8 | 40.8 | 51.7 | 53.9 | |||||||||||||
| Costs (As % Of Loans) | % | ... | 3.11 | 2.96 | 3.18 | 5.83 | 5.10 | ||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.21 | 1.19 | 1.36 | 2.30 | 1.92 | ||||||||||||
| Capital Adequacy Ratio | % | 15.8 | 15.9 | 16.0 | 15.5 | 17.6 | |||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | 12.2 | 14.8 | 15.1 | 15.3 | 17.4 | ||||||||
| Net Interest Margin | % | ... | 2.14 | 2.24 | 2.70 | 3.93 | 3.02 | ||||||||||||
| Interest Spread | % | ... | 1.91 | 2.02 | 2.54 | 3.75 | 2.85 | ||||||||||||
| Asset Yield | % | ... | 3.94 | 3.76 | 3.65 | 5.00 | 3.93 | ||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.79 | 3.85 | 4.38 | 5.72 | 6.60 | |||
| Cost Of Liabilities | % | ... | 2.03 | 1.75 | 1.11 | 1.25 | 1.07 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 73.4 | 69.0 | 65.9 | 74.2 | 69.8 | |||||||||||||
| Fee Income (As % Of Revenues) | % | 14.4 | 22.2 | 20.1 | 24.9 | 21.1 | |||||||||||||
| Other Income (As % Of Revenues) | % | 12.2 | 8.73 | 14.0 | 0.870 | 9.05 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | 38.2 | 42.4 | 47.0 | 48.3 | 49.4 | |||||||||||||
| Equity (As % Of Assets) | % | 10.9 | 14.4 | 13.6 | 15.1 | 15.7 | |||||||||||||
| Equity (As % Of Loans) | % | 22.7 | 25.1 | 28.2 | 32.6 | 34.9 | |||||||||||||
| Loans (As % Of Deposits) | % | 61.3 | 73.9 | 75.4 | 60.8 | 59.6 | |||||||||||||
| Loans (As % Assets) | % | 48.2 | 57.2 | 48.3 | 46.3 | 45.0 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 10.2 | 10.0 | 10.7 | 10.3 | 8.44 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 19.8 | 34.2 | 39.3 | 68.1 | 77.0 | |||||||||||
| Provisions (As % Of Loans) | % | 2.06 | 3.55 | 4.37 | 7.59 | 6.95 | |||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.03 | 1.36 | 0.978 | 1.83 | 1.51 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.00 | 2.00 | |||
| Employees | 689 | 717 | 730 | 650 | 542 | ||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 325 | 271 | |||
| Cost Per Employee | USD per month | 4,393 | 4,358 | 5,274 | 16,424 | 22,023 | |||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 104,862 | 109,949 | 123,744 | 359,338 | 496,482 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| Customers | mil | ... | ... | ... | ... | ... | 0.055 | 0.053 | 0.048 | ... | ... | ... | ... | ||||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | 1,444,000 | ... | |||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 76,473 | 87,241 | 117,846 | ... | ... | ... | ... | ||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 35,764 | 19,491 | 47,122 | ... | ... | ... | ... | ||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 1,357,600 | 1,424,200 | 1,440,940 | ... | ... | ... | ... | ||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 2,214,760 | 1,927,630 | 1,912,050 | ... | ... | ... | ... | ||||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | 3,204 | 3,458 | 5,022 | ... | ... | ... | ... | ||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | 1,498 | 772 | 2,008 | ... | ... | ... | ... | ||||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | 54,689 | 55,548 | 67,678 | ... | ... | ... | ... | ||||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | 89,219 | 75,184 | 89,806 | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - November 28, 2022
J&T Banka's capital adequacy ratio reached 21.2% at the end of third quarter of 2022, up from 19.1% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 21.2% in 3Q2022 and an all time low of 15.6% in 1Q2018. ...
By Helgi Analytics - November 28, 2022
J&T Banka's retail loans reached CZK 2,850 mil in the third quarter of 2022, up 1.79% compared to the previous year. Czech banking sector provided retail loans of CZK 2,121 bil in 3Q2022, up 1.19% when compared to the last year. J&T Banka accounte...
By Helgi Analytics - November 28, 2022
J&T Banka's net interest margin amounted to 3.16% in the third quarter of 2022, up from 2.60% 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 1.70...
By Helgi Analytics - November 28, 2022
J&T Banka's non-performing loans reached 8.56% of total loans at the end of 2022-09-30, up from 7.89% 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 - November 28, 2022
J&T Banka's customer deposits reached CZK 181,881 mil in 3Q2022, down 5.96% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,417 bil in 3Q2022, up 1.21% when compared to the last year. J&T Banka accounted for...
By Helgi Analytics - November 28, 2022
J&T Banka's customer loans reached CZK 61,620 mil in 2022-09-30, up 0.014% compared to the previous year. Czech banking sector provided customer loans of CZK 4,064 bil in 2022-09-30, up 2.69% when compared to the last year. J&T Banka accounted for...
By Helgi Analytics - November 28, 2022
J&T Banka generated total banking revenues of CZK 1,197 mil in 2022-06-30, down 46.0% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% when compared to the last...
By Helgi Analytics - November 28, 2022
J&T Banka generated total banking revenues of CZK 3,666 mil in the third quarter of 2022, up 141% when compared to the same period of last year and 206% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, f...
By Helgi Analytics - November 28, 2022
J&T Banka's cost to income ratio reached 19.2% in the third quarter of 2022, down from 58.4% 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 19.2% in 3Q202...
By Helgi Analytics - November 28, 2022
J&T Banka's customer loan growth reached -2.11% in 2022-09-30, down from 11.3% 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 las...
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 12.4% and 10.3% a year on average in the last 10 years. Its loans and deposits have grown by 5.69% and 10.5% a year during that time and loans to deposits ratio reached 41.3% at the end of 2021. The company achieved an average return on equity of 8.87% in the last decade with net profit growing 18.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 42.0% in 2021, compared to 54.0% average in the last decade.
Equity represented 12.1% of total assets or 38.1% of loans at the end of 2021. J&T Banka's non-performing loans were 8.42% of total loans while provisions covered some 54.0% of NPLs at the end of 2021.
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