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PPF Banka

PPF Banka's net profit rose 37.1% yoy to CZK 1,022 mil in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka made a net profit of CZK 1,022 mil in the third quarter of 2023, up 37.1% when compared to the same period of last year...

PPF Banka's net profit rose 37.1% yoy to CZK 1,022 mil in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka made a net profit of CZK 1,022 mil under revenues of CZK 1,566 mil in the third quarter of 2023, up 37.1% and 24.1%...

PPF Banka's total revenues rose 84.0% yoy to CZK 1,696 mil in 2Q2023

By Helgi Library - November 16, 2023

PPF Banka generated total banking revenues of CZK 1,696 mil in 2023-06-30, down 18.6% compared to the previous year. Czech...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 3,292 2,827 6,438
Net Fee Income CZK mil 209 224 242
Other Income CZK mil 458 256 -1,301
Total Revenues CZK mil 3,959 3,307 5,379
Staff Cost CZK mil 435 445 445
Operating Profit CZK mil 3,061 1,940 3,966
Provisions CZK mil 1,750 -187 785
Net Profit CZK mil 1,133 1,747 2,739
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 4,130 5,227 10,468
Customer Loans CZK mil 35,745 43,351 45,275
Investments CZK mil 38,605 59,707 57,881
Total Assets CZK mil 169,723 236,622 288,650
Shareholders' Equity CZK mil 15,414 16,542 17,331
Interbank Borrowing CZK mil 1,993 41,333 23,980
Customer Deposits CZK mil 131,462 145,548 210,578
Issued Debt Securities CZK mil 3,122 4,411 5,117
Ratios 2020 2021 2022
ROE % 7.63 10.9 16.2
ROA % 0.571 0.860 1.04
Costs (As % Of Assets) % 0.453 0.673 0.538
Costs (As % Of Income) % 22.7 41.3 26.3
Capital Adequacy Ratio % 24.5 20.3 24.8
Net Interest Margin % 1.66 1.39 2.45
Loans (As % Of Deposits) % 27.2 29.8 21.5
NPLs (As % Of Loans) % 8.26 4.14 0.986
Provisions (As % Of NPLs) % 70.3 61.7 211
Growth Rates 2020 2021 2022
Total Revenue Growth % 12.0 -16.5 62.7
Operating Cost Growth % -8.46 52.2 3.37
Operating Profit Growth % 19.8 -36.6 104
Net Profit Growth % -45.7 54.2 56.8
Customer Loan Growth % -13.0 21.3 4.44
Total Asset Growth % -25.2 39.4 22.0
Customer Deposit Growth % -23.9 10.7 44.7
Shareholders' Equity Growth % 7.83 7.32 4.77
Employees 240 238 237

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summary Unit 2002 2003 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                             2,163 2,457 3,468 4,112 3,292    
Total Revenues CZK mil                             2,872 3,038 3,736 3,536 3,959    
Operating Profit CZK mil                             1,915 2,085 2,757 2,555 3,061    
Net Profit CZK mil                             1,356 1,521 2,202 2,088 1,133    
balance sheet                                          
Interbank Loans CZK mil                             5,783 3,355 5,131 3,636 4,130    
Customer Loans CZK mil                             27,983 33,236 34,437 41,109 35,745    
Investments CZK mil                             42,626 37,900 31,440 24,717 38,605    
Total Assets CZK mil                             136,810 232,941 235,162 226,958 169,723    
                                             
Shareholders' Equity CZK mil                             8,863 10,144 11,620 14,295 15,414    
Interbank Borrowing CZK mil                             6,819 38,963 66,306 25,743 1,993    
Customer Deposits CZK mil                             103,060 157,384 132,785 172,805 131,462    
Issued Debt Securities CZK mil                             14,818 17,485 18,763 3,536 3,122    
ratios                                          
ROE % ...                           16.7 16.0 20.2 16.1 7.63    
ROA % ...                           1.13 0.823 0.941 0.904 0.571    
Costs (As % Of Assets) % ...                           0.796 0.515 0.418 0.425 0.453    
Costs (As % Of Income) %                             33.3 31.4 26.2 27.7 22.7    
Capital Adequacy Ratio % ... ... ...                       14.8 16.2 16.3 18.3 24.5    
Net Interest Margin % ...                           1.80 1.33 1.48 1.78 1.66    
Interest Income (As % Of Revenues) %                             75.3 80.9 92.8 116 83.2    
Fee Income (As % Of Revenues) %                             7.03 4.25 3.53 3.68 5.28    
Staff Cost (As % Of Total Cost) %                             36.9 36.8 39.0 40.1 48.4    
Equity (As % Of Assets) %                             6.48 4.35 4.94 6.30 9.08    
Loans (As % Of Deposits) %                             27.2 21.1 25.9 23.8 27.2    
Loans (As % Assets) %                             20.5 14.3 14.6 18.1 21.1    
NPLs (As % Of Loans) % ...                           7.63 10.4 12.9 6.79 8.26    
Provisions (As % Of NPLs) % ...     ...                     58.2 29.9 29.0 35.3 70.3    
income statement Unit 2002 2003 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                             2,739 2,902 4,314 6,073 4,482    
Interest Cost CZK mil                             576 445 846 1,961 1,190    
Net Interest Income CZK mil                             2,163 2,457 3,468 4,112 3,292    
Net Fee Income CZK mil                             202 129 132 130 209    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 209 493    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 79.0 284    
Other Income CZK mil                             507 452 136 -706 458    
Total Revenues CZK mil                             2,872 3,038 3,736 3,536 3,959    
Staff Cost CZK mil                             353 351 382 393 435    
Depreciation CZK mil                             27.0 31.0 40.0 74.0 81.0    
Other Cost CZK mil                             577 571 557 514 382    
Operating Cost CZK mil                             957 953 979 981 898    
Operating Profit CZK mil                             1,915 2,085 2,757 2,555 3,061    
Provisions CZK mil                             285 177 68.0 -74.0 1,750    
Extra and Other Cost CZK mil                             0 0 0 0 0    
Pre-Tax Profit CZK mil                             1,630 1,908 2,689 2,629 1,311    
Tax CZK mil                             274 387 487 541 178    
Minorities CZK mil                             0 0 0 0 0    
Net Profit CZK mil                             1,356 1,521 2,202 2,088 1,133    
Net Profit Avail. to Common CZK mil                             1,356 1,521 2,202 2,088 1,133    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 0    
growth rates                                          
Net Interest Income Growth % ...                           -18.2 13.6 41.1 18.6 -19.9    
Net Fee Income Growth % ...                           -10.6 -36.1 2.33 -1.52 60.8    
Total Revenue Growth % ...                           -11.0 5.78 23.0 -5.35 12.0    
Operating Cost Growth % ...                           13.4 -0.418 2.73 0.204 -8.46    
Operating Profit Growth % ...                           -19.6 8.88 32.2 -7.33 19.8    
Pre-Tax Profit Growth % ...                           13.0 17.1 40.9 -2.23 -50.1    
Net Profit Growth % ...                           17.6 12.2 44.8 -5.18 -45.7    
market share                                          
Market Share in Revenues %                             1.59 1.70 1.96 1.75 2.19    
Market Share in Net Profit %                             1.83 2.02 2.70 2.29 2.39    
Market Share in Employees %                             0.512 0.537 0.561 0.570 0.589    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ...         0.196 0.103 0.102 0.105 0.119    
balance sheet Unit 2002 2003 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                             60,032 156,926 163,539 156,713 90,086    
Interbank Loans CZK mil                             5,783 3,355 5,131 3,636 4,130    
Customer Loans CZK mil                             27,983 33,236 34,437 41,109 35,745    
Retail Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 117 109    
Corporate Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15,806 15,477    
Investments CZK mil                             42,626 37,900 31,440 24,717 38,605    
Property and Equipment CZK mil                             86.0 132 182 167 152    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 193 217    
Total Assets CZK mil                             136,810 232,941 235,162 226,958 169,723    
                                             
Shareholders' Equity CZK mil                             8,863 10,144 11,620 14,295 15,414    
Of Which Minority Interest CZK mil                             0 0 0 0 0    
Liabilities CZK mil                             127,947 222,797 223,542 212,663 154,309    
Interbank Borrowing CZK mil                             6,819 38,963 66,306 25,743 1,993    
Customer Deposits CZK mil                             103,060 157,384 132,785 172,805 131,462    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ...     5,143 3,011 4,255 5,730 6,805    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ...     59,046 32,085 17,509 16,313 22,638    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ...       77,785 135,662 116,334 ... ...    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ...       25,275 21,722 16,451 ... ...    
Issued Debt Securities CZK mil                             14,818 17,485 18,763 3,536 3,122    
Other Liabilities CZK mil                             3,250 8,965 5,688 10,579 17,732    
asset quality                                          
Non-Performing Loans CZK mil ...                           2,235 3,567 4,612 2,861 3,136    
Gross Loans CZK mil                             29,283 34,303 35,774 42,119 37,949    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ...     64,192 70,053 70,034 56,042 46,559    
Total Provisions CZK mil ...                           1,300 1,067 1,337 1,010 2,204    
growth rates                                          
Customer Loan Growth % ...                           6.50 18.8 3.61 19.4 -13.0    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -6.84    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -2.08    
Total Asset Growth % ...                           32.2 70.3 0.953 -3.49 -25.2    
Shareholders' Equity Growth % ...                           20.2 14.5 14.6 23.0 7.83    
Customer Deposit Growth % ...                           76.4 52.7 -15.6 30.1 -23.9    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...   -78.6 -41.5 41.3 34.7 18.8    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ...   341 -45.7 -45.4 -6.83 38.8    
market share                                          
Market Share in Customer Loans %                             0.948 1.08 1.04 1.19 0.994    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.41 1.38    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.007 0.006    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0.007 0.006   ...
Market Share in Total Assets %                             2.30 3.33 3.23 3.00 2.13    
Market Share in Customer Deposits %                             2.74 3.77 2.99 3.65 2.55    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ...     0.233 0.127 0.166 0.210 0.223    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ...     6.45 3.22 1.68 1.49 1.86    
ratios Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                           
ROE % ...                           16.7 16.0 20.2 16.1 7.63    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 7.73    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...   14.5 15.1 21.0 22.1 14.7    
ROA % ...                           1.13 0.823 0.941 0.904 0.571    
Return on Loans % ...                           5.00 4.97 6.51 5.53 2.95    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...   3.07 3.11 3.94 4.05 5.97    
Costs (As % Of Assets) % ...                           0.796 0.515 0.418 0.425 0.453    
Costs (As % Of Income) %                             33.3 31.4 26.2 27.7 22.7    
Costs (As % Of Loans) % ...                           3.53 3.11 2.89 2.60 2.34    
Costs (As % Of Loans & Deposits) % ...                           0.887 0.593 0.547 0.515 0.471    
Capital Adequacy Ratio % ... ... ...                       14.8 16.2 16.3 18.3 24.5    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ...   13.4 14.2 16.3 18.3 24.5    
Net Interest Margin % ...                           1.80 1.33 1.48 1.78 1.66    
Interest Spread % ...                           1.77 1.32 1.46 1.73 1.61    
Asset Yield % ...                           2.28 1.57 1.84 2.63 2.26    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...   4.61 4.53 5.33 5.61 7.72    
Cost Of Liabilities % ...                           0.514 0.254 0.379 0.899 0.649    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 0    
Interest Income (As % Of Revenues) %                             75.3 80.9 92.8 116 83.2    
Fee Income (As % Of Revenues) %                             7.03 4.25 3.53 3.68 5.28    
Other Income (As % Of Revenues) %                             17.7 14.9 3.64 -20.0 11.6    
Staff Cost (As % Of Total Cost) %                             36.9 36.8 39.0 40.1 48.4    
Equity (As % Of Assets) %                             6.48 4.35 4.94 6.30 9.08    
Equity (As % Of Loans) %                             31.7 30.5 33.7 34.8 43.1    
Loans (As % Of Deposits) %                             27.2 21.1 25.9 23.8 27.2    
Loans (As % Assets) %                             20.5 14.3 14.6 18.1 21.1    
NPLs (As % Of Loans) % ...                           7.63 10.4 12.9 6.79 8.26    
Provisions (As % Of NPLs) % ...     ...                     58.2 29.9 29.0 35.3 70.3    
Provisions (As % Of Loans) % ...                           4.65 3.21 3.88 2.46 6.17    
Cost of Provisions (As % Of Loans) % ...                           1.05 0.578 0.201 -0.196 4.55    
other data Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                           
Branches ... ... ... ... ... ... ... ... ... ...         4.00 2.00 2.00 2.00 2.00    
Employees                             210 225 235 237 240    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ...         52.5 113 118 119 120    
Cost Per Employee USD per month                             5,552 5,540 6,192 6,130 6,864    
Cost Per Employee (Local Currency) CZK per month                             140,079 130,000 135,461 138,186 151,042    
customer breakdown Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                           
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ...       1,352,000 1,393,000 1,451,000 1,444,000 1,444,000 ... ...

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PPF Banka - Market Share in Bank Deposits

By Helgi Library - November 16, 2023

PPF Banka's customer deposits reached CZK 210,000 mil in 2023-06-30, up 2.44% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. PPF Banka accounted for 3...

PPF Banka's employees rose 10.5% yoy to 263 in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka employed 263 persons in 2023-09-30, up 2.95% when compared to the previous year. Historically, the bank's workforce hit an all time high of 263 persons in 2023-09-30 and an all time low of 182 in 2012-12-31. Average cost reached USD 7,835 per month per ...

PPF Banka's capital adequacy ratio rose 36.3% yoy to 28.3% in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka's capital adequacy ratio reached 28.3% at the end of third quarter of 2023, up from 26.7% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 28.3% in 3Q2023 and an all time low of 12.9% in 3Q2014. T...

PPF Banka's npls (as % of loans) fell 71.4% yoy to 1.12% in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka's non-performing loans reached 1.12% of total loans at the end of 2023-09-30, down from 3.93% compared to the previous year. Historically, the NPL ratio hit an all time high of 18.5% in 2016-06-30 and an all time low of 0.283% in 2012-09-30. Provi...

PPF Banka - Market Share in Bank Loans

By Helgi Library - November 16, 2023

PPF Banka's customer loans reached CZK 46,000 mil in 2023-06-30, up 1.10% 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. PPF Banka accounted for 1.09% of all...

PPF Banka - Market Share in Retail Loans

By Helgi Library - November 16, 2023

PPF Banka's retail loans reached CZK 100 mil in the second quarter of 2023, down 0% 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. PPF Banka accounted for 0.00...

PPF Banka's net interest income fell 12.8% yoy to CZK 1,521 mil in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka generated total banking revenues of CZK 1,566 mil in the third quarter of 2023, up 24.1% when compared to the same period of last year and down 7.69% when compared to the previous quarter. Historically, the bank’s revenues containing of ...

PPF Banka - Market Share in Corporate Deposits

By Helgi Library - November 16, 2023

PPF Banka's corporate deposits reached CZK 50,000 mil in 2023-06-30, down 0% 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. PPF Banka accounted for 3...

PPF Banka's net interest margin fell 28.7% yoy to 1.84% in 3Q2023

By Helgi Library - November 16, 2023

PPF Banka's net interest margin amounted to 1.84% in the third quarter of 2023, down from 1.84% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.57% in 3Q2022 and an all time low of 0.905%...

PPF Banka - Market Share in Retail Deposits

By Helgi Library - November 16, 2023

PPF Banka's retail deposits reached CZK 9,000 mil in 2023-06-30, up 5.88% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. PPF Banka accounted for 0.256% ...

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PPF banka is a specialised corporate and investment bank providing financial advisory, banking and investment services. PPF banka focuses primarily on corporate and municipal clients, including local government entities and local authorities, and provides private banking services. PPF banka also serves as the central treasury bank for PPF Group and provides services to the Group in 12 countries worldwide. The Bank was founded in 1992 and then operated in the Czech market as Prvni mestska banka. PPF Group became the majority shareholder in 2002 and the City of Prague remains a minority shareholder.

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Finance

PPF Banka has been growing its revenues and asset by 11.7% and 14.2% a year on average in the last 10 years. Its loans and deposits have grown by 5.99% and 14.4% a year during that time and loans to deposits ratio reached 21.5% at the end of 2022. The company achieved an average return on equity of 14.0% in the last decade with net profit growing 11.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 26.3% in 2022, compared to 31.6% average in the last decade.

Equity represented 6.00% of total assets or 38.3% of loans at the end of 2022. PPF Banka's non-performing loans were 0.986% of total loans while provisions covered some 211% of NPLs at the end of 2022.

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