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Max banka

Max banka - Market Share in Bank Deposits

By Helgi Library - November 22, 2023

Max banka's customer deposits reached CZK 44,076 mil in 2023-06-30, up 23.7% compared to the previous year. Czech banking secto...

Max banka's capital adequacy ratio rose 55.8% yoy to 45.8% in 3Q2023

By Helgi Library - November 22, 2023

Max banka's capital adequacy ratio reached 45.8% at the end of third quarter of 2023, up from 41.3% when compared to the previous...

Max banka - Market Share in Retail Deposits

By Helgi Library - September 30, 2023

Max banka's retail deposits reached CZK 43,175 mil in 2023-06-30, up 25.2% compared to the previous year. Czech banking sector ...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 371 357 471
Net Fee Income CZK mil 29.0 21.0 6.00
Other Income CZK mil -40.0 62.0 -164
Total Revenues CZK mil 360 440 313
Staff Cost CZK mil 310 282 303
Operating Profit CZK mil -169 -65.0 -239
Provisions CZK mil 51.0 -1.00 0
Net Profit CZK mil -221 -58.0 -233
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 5,673 7,677 25,548
Customer Loans CZK mil 7,274 6,304 5,001
Investments CZK mil 1,494 1,607 1,360
Total Assets CZK mil 16,097 16,384 33,077
Shareholders' Equity CZK mil 2,707 2,288 1,991
Interbank Borrowing CZK mil 2,397 2,865 2,407
Customer Deposits CZK mil 10,862 10,613 28,081
Issued Debt Securities CZK mil 0 0 0
Ratios 2020 2021 2022
ROE % -7.83 -2.32 -10.9
ROA % -1.19 -0.357 -0.942
Costs (As % Of Assets) % 2.85 3.11 2.23
Costs (As % Of Income) % 147 115 176
Capital Adequacy Ratio % 27.6 26.2 28.3
Net Interest Margin % 2.00 2.20 1.90
Loans (As % Of Deposits) % 67.0 59.4 17.8
NPLs (As % Of Loans) % 0.669 0.492 0.820
Provisions (As % Of NPLs) % 408 416 280
Growth Rates 2020 2021 2022
Total Revenue Growth % -49.9 22.2 -28.9
Operating Cost Growth % -6.54 -4.54 9.31
Operating Profit Growth % -211 -61.5 268
Net Profit Growth % -274 -73.8 302
Customer Loan Growth % -5.39 -13.3 -20.7
Total Asset Growth % -23.3 1.78 102
Customer Deposit Growth % -19.7 -2.29 165
Shareholders' Equity Growth % -7.77 -15.5 -13.0
Employees 200 201 196

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summary Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                      
Net Interest Income CZK mil                         351 335 432 497 371    
Total Revenues CZK mil                         1,139 554 712 718 360    
Operating Profit CZK mil                         737 77.0 205 152 -169    
Net Profit CZK mil                         325 -71.0 201 127 -221    
balance sheet                                      
Interbank Loans CZK mil                         9,755 14,009 14,542 11,366 5,673    
Customer Loans CZK mil                         12,133 9,111 8,027 7,688 7,274    
Investments CZK mil                         500 1,274 1,615 1,087 1,494    
Total Assets CZK mil                         22,826 25,235 24,913 20,980 16,097    
                                         
Shareholders' Equity CZK mil                         3,125 3,068 2,806 2,935 2,707    
Interbank Borrowing CZK mil                         684 5,181 6,703 4,351 2,397    
Customer Deposits CZK mil                         18,173 16,208 14,951 13,533 10,862    
Issued Debt Securities CZK mil                         479 434 234 0 0    
ratios                                      
ROE % ...                       11.0 -2.29 6.84 4.42 -7.83    
ROA % ...                       1.46 -0.295 0.802 0.553 -1.19    
Costs (As % Of Assets) % ...                       1.80 1.98 2.02 2.47 2.85    
Costs (As % Of Income) %                         35.3 86.1 71.2 78.8 147    
Capital Adequacy Ratio %                         28.5 28.2 23.9 27.5 27.6    
Net Interest Margin % ...                       1.57 1.39 1.72 2.17 2.00    
Interest Income (As % Of Revenues) %                         30.8 60.5 60.7 69.2 103    
Fee Income (As % Of Revenues) %                         6.67 11.0 7.30 6.13 8.06    
Staff Cost (As % Of Total Cost) %                         54.2 53.7 50.9 53.2 58.6    
Equity (As % Of Assets) %                         13.7 12.2 11.3 14.0 16.8    
Loans (As % Of Deposits) %                         66.8 56.2 53.7 56.8 67.0    
Loans (As % Assets) %                         53.2 36.1 32.2 36.6 45.2    
NPLs (As % Of Loans) %                         6.47 4.48 5.96 0.702 0.669    
Provisions (As % Of NPLs) %                         28.9 56.8 56.2 276 408    
income statement Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                      
Interest Income CZK mil                         509 446 520 595 457    
Interest Cost CZK mil                         158 111 88.0 98.0 86.0    
Net Interest Income CZK mil                         351 335 432 497 371    
Net Fee Income CZK mil                         76.0 61.0 52.0 44.0 29.0    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 59.0 42.0    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15.0 13.0    
Other Income CZK mil                         712 158 228 177 -40.0    
Insurance Premium Earned CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Total Revenues CZK mil                         1,139 554 712 718 360    
Staff Cost CZK mil                         218 256 258 301 310    
Depreciation CZK mil                         53.0 29.0 20.0 62.0 57.0    
Other Cost CZK mil                         131 192 229 203 162    
Operating Cost CZK mil                         402 477 507 566 529    
Operating Profit CZK mil                         737 77.0 205 152 -169    
Provisions CZK mil                         287 142 -10.0 17.0 51.0    
Extra and Other Cost CZK mil                         30.0 0 0 0 0    
Pre-Tax Profit CZK mil                         420 -65.0 215 135 -220    
Tax CZK mil                         95.5 6.00 14.0 18.0 -1.00    
Minorities CZK mil                         0 0 0 0 0    
Net Profit CZK mil                         325 -71.0 201 127 -221    
Net Profit Avail. to Common CZK mil                         325 -71.0 201 127 -221    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0    
growth rates                                      
Net Interest Income Growth % ...                       15.7 -4.56 29.0 15.0 -25.4    
Net Fee Income Growth % ...                       -23.9 -19.7 -14.8 -15.4 -34.1    
Total Revenue Growth % ...                       106 -51.4 28.5 0.843 -49.9    
Operating Cost Growth % ...                       -12.3 18.6 6.29 11.6 -6.54    
Operating Profit Growth % ...                       689 -89.6 166 -25.9 -211    
Pre-Tax Profit Growth % ...                       283 -115 -431 -37.2 -263    
Net Profit Growth % ...                       209 -122 -383 -36.8 -274    
market share                                      
Market Share in Revenues %                         0.632 0.309 0.374 0.355 0.200    
Market Share in Net Profit %                         0.440 -0.094 0.247 0.139 -0.466    
Market Share in Employees %                         0.485 0.513 0.490 0.502 0.491    
Market Share in Branches % ... ... ... ...                 0.391 0.360 0.102 0.053 0.059    
balance sheet Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                      
Cash & Cash Equivalents CZK mil                         227 593 477 555 1,337    
Interbank Loans CZK mil                         9,755 14,009 14,542 11,366 5,673    
Customer Loans CZK mil                         12,133 9,111 8,027 7,688 7,274    
Retail Loans CZK mil ... ... ...                   6,129 4,040 2,265 1,743 1,350    
Mortgage Loans CZK mil ... ... ...                   6,465 3,733 2,015 ... ... ... ...
Consumer Loans CZK mil ... ... ...                   445 307 250 ... ... ... ...
Corporate Loans CZK mil ... ... ...                   5,060 5,071 5,762 6,097 6,128    
Investments CZK mil                         500 1,274 1,615 1,087 1,494    
Property and Equipment CZK mil                         105 40.0 60.0 224 214    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 42.0 63.0    
Total Assets CZK mil                         22,826 25,235 24,913 20,980 16,097    
                                         
Shareholders' Equity CZK mil                         3,125 3,068 2,806 2,935 2,707    
Of Which Minority Interest CZK mil                         0 0 0 0 0    
Liabilities CZK mil                         19,701 22,167 22,107 18,045 13,390    
Interbank Borrowing CZK mil                         684 5,181 6,703 4,351 2,397    
Customer Deposits CZK mil                         18,173 16,208 14,951 13,533 10,862    
Retail Deposits CZK mil ... ... ...                   14,756 13,026 10,610 9,495 7,450    
Corporate Deposits CZK mil ... ... ...                   2,988 2,887 4,056 3,646 3,090    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ...       16,838 13,190 12,222 11,161 9,753    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ...       1,335 3,018 2,729 2,372 1,109    
Issued Debt Securities CZK mil                         479 434 234 0 0    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Liabilities CZK mil                         366 344 219 161 131    
asset quality                                      
Non-Performing Loans CZK mil                         799 419 495 55.0 50.0    
Gross Loans CZK mil                         12,364 9,349 8,305 7,840 7,478    
Risk-Weighted Assets CZK mil                         9,858 9,805 10,571 10,047 9,568    
Total Provisions CZK mil                         231 238 278 152 204    
growth rates                                      
Customer Loan Growth % ...                       -6.14 -24.9 -11.9 -4.22 -5.39    
Retail Loan Growth % ... ... ... ...                 -25.5 -34.1 -43.9 -23.0 -22.5    
Mortgage Loan Growth % ... ... ... ...                 -15.8 -42.3 -46.0 ... ... ... ...
Consumer Loan Growth % ... ... ... ...                 -19.1 -31.0 -18.6 ... ... ... ...
Corporate Loan Growth % ... ... ... ...                 18.4 0.212 13.6 5.81 0.508    
Total Asset Growth % ...                       4.71 10.6 -1.28 -15.8 -23.3    
Shareholders' Equity Growth % ...                       13.3 -1.83 -8.54 4.60 -7.77    
Customer Deposit Growth % ...                       1.40 -10.8 -7.76 -9.48 -19.7    
Retail Deposit Growth % ... ... ... ...                 18.6 -11.7 -18.5 -10.5 -21.5    
Corporate Deposit Growth % ... ... ... ...                 -21.1 -3.38 40.5 -10.1 -15.2    
market share                                      
Market Share in Customer Loans %                         0.411 0.295 0.243 0.223 0.202    
Market Share in Corporate Loans % ... ... ...                   0.519 0.496 0.533 0.544 0.546    
Market Share in Retail Loans % ... ... ...                   0.432 0.265 0.138 0.100 0.073    
Market Share in Consumer Loans % ... ... ...                   0.121 0.080 0.063 ... ... ... ...
Market Share in Mortgage Loans % ... ... ...                   0.614 0.325 0.162 ... ... ... ...
Market Share in Total Assets %                         0.383 0.360 0.342 0.277 0.202    
Market Share in Customer Deposits %                         0.482 0.389 0.336 0.286 0.210    
Market Share in Retail Deposits % ... ... ...                   0.668 0.550 0.415 0.348 0.244    
Market Share in Corporate Deposits % ... ... ...                   0.326 0.290 0.390 0.333 0.254    
ratios Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                       
ROE % ...                       11.0 -2.29 6.84 4.42 -7.83    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -7.98    
ROE (@ 15% of RWA) % ...                       21.9 -4.81 13.2 8.21 -15.0    
ROA % ...                       1.46 -0.295 0.802 0.553 -1.19    
Return on Loans % ...                       2.59 -0.668 2.35 1.62 -2.95    
Operating Profit (As % of RWA) % ...                       7.45 0.783 2.01 1.47 -1.72    
Costs (As % Of Assets) % ...                       1.80 1.98 2.02 2.47 2.85    
Costs (As % Of Income) %                         35.3 86.1 71.2 78.8 147    
Costs (As % Of Loans) % ...                       3.21 4.49 5.92 7.20 7.07    
Costs (As % Of Loans & Deposits) % ...                       1.32 1.72 2.10 2.56 2.69    
Capital Adequacy Ratio %                         28.5 28.2 23.9 27.5 27.6    
Tier 1 Ratio %                         28.5 28.2 23.9 27.5 27.6    
Net Interest Margin % ...                       1.57 1.39 1.72 2.17 2.00    
Interest Spread % ...                       1.47 1.33 1.68 2.10 1.92    
Asset Yield % ...                       2.28 1.86 2.07 2.59 2.47    
Revenues (As % of RWA) % ...                       11.5 5.63 6.99 6.96 3.67    
Cost Of Liabilities % ...                       0.816 0.530 0.398 0.488 0.547    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0    
Interest Income (As % Of Revenues) %                         30.8 60.5 60.7 69.2 103    
Fee Income (As % Of Revenues) %                         6.67 11.0 7.30 6.13 8.06    
Other Income (As % Of Revenues) %                         62.5 28.5 32.0 24.7 -11.1    
Staff Cost (As % Of Total Cost) %                         54.2 53.7 50.9 53.2 58.6    
Equity (As % Of Assets) %                         13.7 12.2 11.3 14.0 16.8    
Equity (As % Of Loans) %                         25.8 33.7 35.0 38.2 37.2    
Loans (As % Of Deposits) %                         66.8 56.2 53.7 56.8 67.0    
Loans (As % Assets) %                         53.2 36.1 32.2 36.6 45.2    
NPLs (As % Of Loans) %                         6.47 4.48 5.96 0.702 0.669    
Provisions (As % Of NPLs) %                         28.9 56.8 56.2 276 408    
Provisions (As % Of Loans) %                         1.91 2.61 3.46 1.98 2.80    
Cost of Provisions (As % Of Loans) % ...                       2.29 1.34 -0.117 0.216 0.682    
other data Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                       
Branches ... ... ... ...                 8.00 7.00 2.00 1.00 1.00    
Employees                         199 215 205 209 200    
Employees Per Bank Branch ... ... ... ...                 24.9 30.7 103 209 200    
Cost Per Employee USD per month                         3,618 4,229 4,794 5,324 5,870    
Cost Per Employee (Local Currency) CZK per month                         91,290 99,225 104,878 120,016 129,167    
Insurance Fee Income (As % of Loans) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
customer breakdown Unit 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                       
Customers mil                         0.027 0.026 0.025 0.024 0.023    
Revenue per Customer (Local Currency) CZK                         42,191 21,308 28,480 29,917 15,652    
Net Profit per Customer (Local Currency) CZK                         12,037 -2,731 8,040 5,292 -9,609    
Loan per Customer (Local Currency) CZK                         449,363 350,423 321,080 320,333 316,261    
Deposit per Customer (Local Currency) CZK                         673,063 623,385 598,040 563,875 472,261    
Revenue per Customer USD                         1,672 908 1,302 1,327 711    
Net Profit per Customer USD                         477 -116 367 235 -437    
Loan per Customer USD                         17,527 16,459 14,292 14,161 14,788    
Deposit per Customer USD                         26,252 29,279 26,620 24,927 22,082    

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Max banka's net profit rose 262% yoy to CZK 87.9 mil in 3Q2023

By Helgi Library - November 22, 2023

Max banka made a net profit of CZK 87.9 mil in the third quarter of 2023, up 262% when compared to the same period of last year. This implies a return on equity of 12.5%. Historically, the bank’s net profit reached an all time high of CZK 290 mil in 2Q2016 and an...

Max banka's net profit rose 262% yoy to CZK 87.9 mil in 3Q2023

By Helgi Library - November 22, 2023

Max banka made a net profit of CZK 87.9 mil under revenues of CZK 171 mil in the third quarter of 2023, up 262% and 76.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 290 mil in 2...

Max banka's npls (as % of loans) fell 96.5% yoy to 0.261% in 3Q2023

By Helgi Library - November 22, 2023

Max banka's non-performing loans reached 0.261% of total loans at the end of 2023-09-30, down from 7.43% compared to the previous year. Historically, the NPL ratio hit an all time high of 14.2% in 2011-03-31 and an all time low of 0.261% in 2023-09-30. Prov...

Max banka's employees fell 15.1% yoy to 158 in 3Q2023

By Helgi Library - November 22, 2023

Max banka employed 158 persons in 2023-09-30, down 6.60% when compared to the previous year. Historically, the bank's workforce hit an all time high of 392 persons in 2009-12-31 and an all time low of 158 in 2023-09-30. Average cost reached USD 4,799 per month pe...

Max banka - Market Share in Bank Loans

By Helgi Library - September 30, 2023

Max banka's customer loans reached CZK 3,475 mil in 2023-06-30, down 18.1% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. Max banka accounted for 0.083% of a...

Max banka's costs (as % of assets) fell 77.5% yoy to 0.900% in 3Q2023

By Helgi Library - November 22, 2023

Max banka's cost to income ratio reached 69.5% in the third quarter of 2023, up from 64.1% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 260% of income in 1Q2022 and an all time low of 18.5% in 2Q2016. ...

Max banka - Market Share in Corporate Deposits

By Helgi Library - September 30, 2023

Max banka's corporate deposits reached CZK 892 mil in 2023-06-30, up 0.895% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,503 bil in 2023-06-30, up 2.53% when compared to the last year. Max banka accounted for 0....

Max banka - Market Share in Retail Loans

By Helgi Library - September 30, 2023

Max banka's retail loans reached CZK 746 mil in the second quarter of 2023, down 5.34% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Max banka accounted for 0...

Max banka's net interest income rose 61.9% yoy to CZK 198 mil in 3Q2023

By Helgi Library - November 22, 2023

Max banka generated total banking revenues of CZK 171 mil in the third quarter of 2023, up 76.2% when compared to the same period of last year and down 5.59% when compared to the previous quarter. Historically, the bank’s revenues containing of in...

Max banka - Quarterly Loan Breakdown

By Helgi Library - September 30, 2023

Max banka's loans reached CZK 6,636 mil in the first quarter of 2019, down from CZK 8,305 mil when compared to the previous quarter and down from CZK 7,615 mil when compared to the same period of last year. Historically, the bank’s loans reached an ...

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Expobank Czech Republic (formerly known as LBBW Bank CZ) is a Czech Republic-based universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. At the end of 2014, Czech operations of LBBW have been taken over by Igor Kim and the Bank has been renamed to Expobank CZ.

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Finance

Max banka has been growing its revenues and asset by -9.02% and 0.965% a year on average in the last 10 years. Its loans and deposits have grown by -14.2% and 3.31% a year during that time and loans to deposits ratio reached 17.8% at the end of 2022. The company achieved an average return on equity of 0.387% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 176% in 2022, compared to 98.4% average in the last decade.

Equity represented 6.02% of total assets or 39.8% of loans at the end of 2022. Max banka's non-performing loans were 0.820% of total loans while provisions covered some 280% of NPLs at the end of 2022.

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