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J&T Banka

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

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summary

Unit

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income statement

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

...	1,143	1,851	1,832	2,911	3,088
...	1,612	3,215	2,987	3,975	4,206
...	660	1,672	1,217	1,686	1,937
	269	1,015	977	1,330	1,967

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

	9,091	6,865	3,556	7,164	34,379
	35,456	41,150	60,004	71,170	74,668
...	25,136	30,580	29,983	32,880	23,912
	72,558	88,401	110,237	133,801	154,851
	5,235	7,417	14,046	15,343	16,945
	9,110	11,248	5,083	4,616	4,259
	55,024	64,032	85,823	106,946	121,812
	1,010	996	1,508	1,908	2,049

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)	%

			6.16%	16.0%	9.10%	9.05%	12.2%
			0.450%	1.26%	0.984%	1.09%	1.36%
...			1.59%	1.92%	1.78%	1.88%	1.57%
...			59.0%	48.0%	59.3%	57.6%	53.9%
			12.1%	11.9%	17.1%	14.5%	15.8%
...			1.91%	2.30%	1.84%	2.39%	2.14%
...			70.9%	57.6%	61.3%	73.2%	73.4%
...			16.9%	15.6%	15.0%	16.2%	14.4%
...			38.3%	48.7%	39.4%	34.6%	38.2%
			7.22%	8.39%	12.7%	11.5%	10.9%
			64.4%	64.3%	69.9%	66.5%	61.3%
			48.9%	46.5%	54.4%	53.2%	48.2%
...	...	...	14.1%	9.12%	8.99%	4.72%	10.2%
...	...	...	23.8%	21.3%	22.2%	29.6%	19.8%

Download Data

income statement

Unit

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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

...	2,643	3,980	4,305	5,796	5,689
...	1,500	2,129	2,473	2,885	2,601
...	1,143	1,851	1,832	2,911	3,088
...	272	500	448	642	605
...	196	864	707	422	513
...	1,612	3,215	2,987	3,975	4,206
...	365	752	698	793	867
...	71.3	92.0	85.0	90.0	102
...	515	699	987	1,406	1,300
...	951	1,543	1,770	2,289	2,269
...	660	1,672	1,217	1,686	1,937
...	306	479	532	303	754
...	0.000	0.000	-321	-340	-954
	355	1,193	1,006	1,723	2,137
	85.4	272	151	381	261
	0.081	1.00	92.0	12.0	-91.0
	269	1,015	977	1,330	1,967

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	%

...	...	2.79%	61.9%	-1.03%	58.9%	6.08%
...	...	120%	83.9%	-10.4%	43.3%	-5.76%
...	...	17.0%	99.5%	-7.09%	33.1%	5.81%
...	...	21.7%	62.2%	14.7%	29.3%	-0.874%
...	...	10.8%	153%	-27.2%	38.5%	14.9%
...		8.90%	236%	-15.7%	71.3%	24.0%
...		2.04%	277%	-3.74%	36.1%	47.9%

market share

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

...	0.994%	1.92%	1.78%	2.37%	2.42%
	0.505%	1.58%	1.60%	2.11%	2.97%
...	1.02%	1.24%	1.23%	1.71%	1.67%

Download Data

balance sheet

Unit

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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
Retail Deposits	CZK mil
Corporate Deposits	CZK mil
Sight Deposits	CZK mil
Term Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

...								1,493	6,978	8,408	13,339	19,724
								9,091	6,865	3,556	7,164	34,379
								35,456	41,150	60,004	71,170	74,668
...	...	...	...	...	...	...	...	...	...	3,129	3,729	3,709
...	...	...	...	...	...	...	...	...	...	46,775	52,014	54,435
...								25,136	30,580	29,983	32,880	23,912
...								427	410	781	560	524
								72,558	88,401	110,237	133,801	154,851
								5,235	7,417	14,046	15,343	16,945
								3.71	5.00	620	826	743
								67,323	80,984	96,191	118,458	137,906
								9,110	11,248	5,083	4,616	4,259
								55,024	64,032	85,823	106,946	121,812
...	...	...	...	...	...	...	...	...	31,366	47,498	67,230	78,721	...	...
...	...	...	...	...	...	...	...	...	32,653	38,325	39,697	42,987	...	...
...	...	...	...	...	...	...	...	...	...	11,726	11,009	40,533	...	...
...	...	...	...	...	...	...	...	...	...	74,030	95,814	81,073	...	...
								1,010	996	1,508	1,908	2,049
								2,179	4,708	3,777	4,988	9,786

asset quality

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

...	...	...	5,183	3,826	5,502	3,407	7,757
...			36,689	41,966	61,228	72,177	76,207
...			1,233	816	1,224	1,007	1,539

growth rates

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

...								20.2%	16.1%	45.8%	18.6%	4.91%
...	...	...	...	...	...	...	...	...	...	...	19.2%	-0.536%
...	...	...	...	...	...	...	...	...	...	...	11.2%	4.65%
...								54.3%	21.8%	24.7%	21.4%	15.7%
...								49.4%	41.7%	89.4%	9.23%	10.4%
...								40.1%	16.4%	34.0%	24.6%	13.9%
...	...	...	...	...	...	...	...	...	...	51.4%	41.5%	17.1%	...	...
...	...	...	...	...	...	...	...	...	...	17.4%	3.58%	8.29%	...	...

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	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

								1.62%	1.83%	2.41%	2.73%	2.68%
...	...	...	...	...	...	...	...	...	...	5.39%	5.95%	5.91%
...	...	...	...	...	...	...	...	...	...	0.265%	0.304%	0.281%
								1.62%	1.91%	2.14%	2.52%	2.79%
								2.04%	2.27%	2.81%	3.11%	3.46%
...	...	...	...	...	...	...	...	...	1.77%	2.62%	3.50%	3.87%	...	...
...	...	...	...	...	...	...	...	...	4.56%	4.93%	4.74%	4.66%	...	...

Download Data

ratios

Unit

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

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2016

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)	%

				6.16%	16.0%	9.10%	9.05%	12.2%
				0.450%	1.26%	0.984%	1.09%	1.36%
...				1.59%	1.92%	1.78%	1.88%	1.57%
...				59.0%	48.0%	59.3%	57.6%	53.9%
				12.1%	11.9%	17.1%	14.5%	15.8%
...	...	...	...	9.90%	...	...	11.7%	12.2%
...				1.91%	2.30%	1.84%	2.39%	2.14%
...				1.71%	2.07%	1.54%	2.06%	1.91%
...				4.42%	4.95%	4.33%	4.75%	3.94%
...				2.71%	2.87%	2.79%	2.69%	2.03%
...				70.9%	57.6%	61.3%	73.2%	73.4%
...				16.9%	15.6%	15.0%	16.2%	14.4%
...				12.2%	26.9%	23.7%	10.6%	12.2%
...				4,285	6,420	6,105	4,494	4,393
...				75,790	125,584	119,439	96,051	104,862
...				38.3%	48.7%	39.4%	34.6%	38.2%
				7.22%	8.39%	12.7%	11.5%	10.9%
				64.4%	64.3%	69.9%	66.5%	61.3%
				48.9%	46.5%	54.4%	53.2%	48.2%
...	...	...		14.1%	9.12%	8.99%	4.72%	10.2%
...	...	...		23.8%	21.3%	22.2%	29.6%	19.8%
...				3.48%	1.98%	2.04%	1.41%	2.06%
...				0.941%	1.25%	1.05%	0.462%	1.03%

Download Data

other data

Unit

2003

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2005

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2017

other data

Employees
Clients	mil
Sight (As % Of Customer Deposits)	%
Risk-Weighted Assets	CZK mil

...								401	499	487	688	689
...	...	...	...	...	...			0.020	0.025	0.038	0.051	0.055
...	...	...	...	...	...	...	...	...	...	13.7%	10.3%	33.3%	...	...
...	...	...	...	...	...	...	...	...	...	...	108,573	113,600	...	...

Download Data

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.

J&T Banka in Numbers

September 26, 2018

This Annual statistical dossier offers a summary of J&T 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

This Annual statistical dossier offers a summary of J&T 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, 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 J&T Banka'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.

J&T Banka at a Glance

June 29, 2014

This report offers a summary of the bank's performance in 2004-2013. 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 and the key statistics of the whole banking system in the Czech Republic.

J&T Banka in Numbers

June 25, 2014

This excel file offers a summary of the bank's performance in 2004-2013. 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.

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What Banks in Czechia Had the Most Bad Loans in 2017?

March 12, 2019

Based on a comparison of 23 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Fio banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at

Based on a comparison of 23 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Fio banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at the end of 2017, up from 24.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.

Provision coverage amounted to 13.8% at the end of 2017, up from 7.63% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, PPF Banka operated at the end of 2017 with NPL ratio of 13.8% and provision coverage of 22.6%, Fio banka with 11.8% and 32.7% and J&T Banka had 10.7% of bad loans covered with 39.3% by provisions at the end of 2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.74% of total loans in 2017, down from 4.59% when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Most Profitable in 2017?

February 25, 2019

Based on a comparison of 23 banks in the Czech Republic, CSOB produced the highest net profit in 2017, followed by Komercni Banka and Ceska Sporitelna.

CSOB made a net profit of CZK 17,517 mil, up 15.7% compared to the previous

Based on a comparison of 23 banks in the Czech Republic, CSOB produced the highest net profit in 2017, followed by Komercni Banka and Ceska Sporitelna.

CSOB made a net profit of CZK 17,517 mil, up 15.7% compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 17,517 mil in 2017 and an all time low of CZK 570 mil in 1994. The average profit in the last five years amounted to CZK 14,786 mil.

The bank generated an average return on equity of 17.2% for its shareholders in the last five years with a maximum of 19.2% and a minimum of 15.9%.

Comparing CSOB with its closest peers, Komercni Banka generated a net profit of CZK 14,930 mil with a ROE of 14.5% in 2017, Ceska Sporitelna netted CZK 14,610 mil (ROE of 12.0%) and UniCredit Czech Republic announced a net profit of CZK 7,626 mil giving a ROE of 11.0%.

The net profit of the Czechia’s banking sector amounted to CZK 75,867 mil in 2017, up 3.19% compared to the previous year. Heading up the rankings, CSOB accounted for 23.1% of the sector’s net profit in 2017. The top 3 companies held a 62.0% share while the five largest firms some 81.0% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Most Profitable in 2016?

February 25, 2019

Based on a comparison of 23 banks in the Czech Republic, Ceska Sporitelna produced the highest net profit in 2016, followed by CSOB and Komercni Banka.

Ceska Sporitelna made a net profit of CZK 15,457 mil, up 8.14% compared to

Based on a comparison of 23 banks in the Czech Republic, Ceska Sporitelna produced the highest net profit in 2016, followed by CSOB and Komercni Banka.

Ceska Sporitelna made a net profit of CZK 15,457 mil, up 8.14% compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 16,612 mil in 2012 and an all time low of CZK 41.0 mil in 2000. The average profit in the last five years amounted to CZK 15,404 mil.

The bank generated an average return on equity of 15.0% for its shareholders in the last five years with a maximum of 19.2% and a minimum of 12.6%.

Comparing Ceska Sporitelna with its closest peers, CSOB generated a net profit of CZK 15,141 mil with a ROE of 16.9% in 2016, Komercni Banka netted CZK 13,689 mil (ROE of 12.9%) and UniCredit Czech Republic announced a net profit of CZK 6,045 mil giving a ROE of 9.42%.

The net profit of the Czechia’s banking sector amounted to CZK 73,525 mil in 2016, up 10.8% compared to the previous year. Heading up the rankings, Ceska Sporitelna accounted for 21.0% of the sector’s net profit in 2016. The top 3 companies held a 60.2% share while the five largest firms some 76.3% in 2016.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Paid its Staff the Most in 2016?

February 25, 2019

Based on a comparison of 23 banks in the Czech Republic in 2016, PPF Banka was paying its employees the best, followed by J&T Banka and Stavebni Sporitelna Ceske Sporitelny.

PPF Banka employed 210 persons in 2016, up 7.14% when compared

Based on a comparison of 23 banks in the Czech Republic in 2016, PPF Banka was paying its employees the best, followed by J&T Banka and Stavebni Sporitelna Ceske Sporitelny.

PPF Banka employed 210 persons in 2016, up 7.14% when compared to the previous year. Historically, the bank's workforce hit an all time high of 210 persons in 2016 and an all time low of 64.0 in 2002.

Average cost reached CZK 140,079 per month per employee, 8.73% more than a year ago. This figure was CZK 131,843 per month some 10 years ago.

Staff accounted for 36.9% of total operating expenditures in 2016.

Comparing PPF Banka with its closest peers, J&T Banka had 717 employees with average cost of CZK 109,949 per month per person, Stavebni Sporitelna Ceske Sporitelny operated with 175 people (and CZK 100,476 per month per employee) and Moravsky Penezni Ustav had 104 employees in 2016 with cost of CZK 96,787 per month per head.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »

J&T Banka's net profit rose 117% to CZK 2,260 mil in 2017

J&T Banka's total revenues rose 21.2% to CZK 5,652 mil in 2017

J&T Banka's customer deposits fell 11.0% to CZK 91,704 mil in 2017

J&T Banka's customer loans fell 9.23% to CZK 69,109 mil in 2017

J&T Banka's capital adequacy ratio rose 0.630% to 16.0% in 2017

J&T Banka's net interest income rose 15.7% to CZK 3,725 mil in 2017

J&T Banka's npls (as % of loans) rose 6.33% to 10.7% in 2017

J&T Banka's net interest margin rose 20.7% to 2.70% in 2017

J&T Banka's corporate loans fell 11.8% to CZK 41,723 mil in 2017

J&T Banka's customer loan growth fell 569% to -9.23% in 2017