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PPF Banka

Banking > Czech Republic > PPF Banka
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PPF Banka

PPF banka a Czech Republic-based small bank. The bank is a of PPF Group, which is one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of

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PPF banka a Czech Republic-based small bank. The bank is a of PPF Group, which is one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of markets in Europe, the United States, Russia and a number of Asian countries, primarily for professional investors. part from PPF Group (having nearly 93% stake in the bank), the City of Prague holds 6.73% stake in PPF Banka

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AnnualQuarterly
summary Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

...                     1,358 1,937 2,133 2,645 2,163    
...                     1,778 2,235 2,415 3,226 2,872    
...                     1,180 1,420 1,353 2,382 1,915    
                      945 572 700 1,153 1,356    

balance sheet

...                     18,558 25,354 16,255 4,664 5,783    
...                     25,297 31,390 23,461 26,276 27,983    
...                     20,053 25,139 36,739 37,907 42,626    
                      76,843 104,818 108,237 103,517 136,810    
...                     5,937 5,894 7,349 7,375 8,863    
...                     1,239 1,743 3,439 1,658 6,819    
...                     54,621 75,932 78,908 58,440 103,060    
...                     3,730 17,344 14,376 26,405 14,818    

ratios

...                     17.8% 9.67% 10.6% 15.7% 16.7%    
                      1.33% 0.630% 0.657% 1.09% 1.13%    
...                     0.839% 0.897% 0.997% 0.797% 0.796%    
...                     33.6% 36.5% 44.0% 26.2% 33.3%    
... ... ... ...               10.5% 11.7% 14.3% 14.6% 14.8%    
...                     1.91% 2.13% 2.00% 2.50% 1.80%    
...                     76.4% 86.7% 88.3% 82.0% 75.3%    
...                     16.7% 12.9% 11.6% 7.01% 7.03%    
...                     42.0% 35.8% 25.5% 35.9% 36.9%    
...                     7.73% 5.62% 6.79% 7.12% 6.48%    
...                     46.3% 41.3% 29.7% 45.0% 27.2%    
...                     32.9% 29.9% 21.7% 25.4% 20.5%    
... ...                   6.06% 0.642% 8.26% 8.95% 7.63%    
... ...     ...             17.9% 413% 65.1% 64.7% 58.2%    

Download Data
income statement Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

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
...                     2,187 2,795 2,866 3,351 2,739    
...                     829 858 733 706 576    
...                     1,358 1,937 2,133 2,645 2,163    
...                     298 288 280 226 202    
...                     122 10.0 2.00 355 507    
...                     1,778 2,235 2,415 3,226 2,872    
...                     251 292 271 303 353    
...                     55.5 55.0 47.0 32.0 27.0    
...                     292 468 744 509 577    
...                     598 815 1,062 844 957    
...                     1,180 1,420 1,353 2,382 1,915    
...                     36.0 636 460 939 285    
...                     -0.204 0 0 0 0    
                      1,144 784 893 1,443 1,630    
                      199 212 193 290 274    
                      0 0 0 0 0    
                      945 572 700 1,153 1,356    

growth rates

... ...                   17.0% 42.6% 10.1% 24.0% -18.2%    
... ...                   -30.2% -3.19% -2.78% -19.3% -10.6%    
... ...                   35.0% 25.7% 8.05% 33.6% -11.0%    
... ...                   4.90% 36.3% 30.3% -20.5% 13.4%    
... ...                   58.0% 20.4% -4.72% 76.1% -19.6%    
... ...                   50.9% -31.5% 13.9% 61.6% 13.0%    
...                     56.0% -39.5% 22.4% 64.7% 17.6%    

market share

...                     1.06% 1.33% 1.44% 1.85% 1.59%    
                      1.47% 0.937% 1.11% 1.74% 1.84%    
...                     0.452% 0.464% 0.466% 0.476% 0.512%    
... ... ... ... ... ... ... ... ... ... ... 0.190% 0.180% 0.181% 0.185% 0.196%    

Download Data
balance sheet Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

...                     10,058 23,591 27,429 31,952 60,032    
...                     18,558 25,354 16,255 4,664 5,783    
...                     25,297 31,390 23,461 26,276 27,983    
...                     20,053 25,139 36,739 37,907 42,626    
...                     57.3 42.0 78.0 83.0 86.0    
                      76,843 104,818 108,237 103,517 136,810    
...                     5,937 5,894 7,349 7,375 8,863    
...                     0 0 0 0 0    
...                     70,906 98,924 100,888 96,142 127,947    
...                     1,239 1,743 3,439 1,658 6,819    
...                     54,621 75,932 78,908 58,440 103,060    
... ... ... ... ... ... ... ... ... ... ... ... ... 37,461 24,018 5,143    
... ... ... ... ... ... ... ... ... ... ... ... ... 17,267 13,400 59,046    
... ... ... ... ... ... ... ... ... ... ... ... 43,230 57,296 41,202 77,785    
... ... ... ... ... ... ... ... ... ... ... ... 32,702 21,612 17,326 25,275    
...                     3,730 17,344 14,376 26,405 14,818    
...                     11,317 3,905 4,165 9,639 3,250    

asset quality

... ...                   1,551 207 2,047 2,496 2,235    
...                     25,574 32,245 24,793 27,891 29,283    
... ...                   277 855 1,332 1,615 1,300    

growth rates

... ...                   19.9% 24.1% -25.3% 12.0% 6.50%    
...                     16.9% 36.4% 3.26% -4.36% 32.2%    
... ...                   26.6% -0.725% 24.7% 0.354% 20.2%    
... ...                   18.7% 39.0% 3.92% -25.9% 76.4%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... -35.9% -78.6%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... -22.4% 341%    

market share

...                     1.07% 1.25% 0.890% 0.944% 0.948%    
                      1.66% 2.02% 2.01% 1.87% 2.27%    
...                     1.75% 2.27% 2.30% 1.66% 2.74%    
... ... ... ... ... ... ... ... ... ... ... ... ... 1.95% 1.18% 0.233%    
... ... ... ... ... ... ... ... ... ... ... ... ... 2.06% 1.45% 6.45%    

Download Data
ratios Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

...                     17.8% 9.67% 10.6% 15.7% 16.7%    
                      1.33% 0.630% 0.657% 1.09% 1.13%    
...                     0.839% 0.897% 0.997% 0.797% 0.796%    
...                     33.6% 36.5% 44.0% 26.2% 33.3%    
... ... ... ...               10.5% 11.7% 14.3% 14.6% 14.8%    
... ... ... ... ... ... ... ... ... ... ... ... ... ... 12.0% 13.4%    
...                     1.91% 2.13% 2.00% 2.50% 1.80%    
... ...                   1.81% 2.07% 1.96% 2.45% 1.77%    
...                     3.07% 3.08% 2.69% 3.16% 2.28%    
... ...                   1.26% 1.01% 0.734% 0.717% 0.514%    
...                     76.4% 86.7% 88.3% 82.0% 75.3%    
...                     16.7% 12.9% 11.6% 7.01% 7.03%    
...                     6.88% 0.447% 0.083% 11.0% 17.7%    
...                     5,876 6,651 5,621 5,397 5,552    
...                     114,932 130,125 120,124 128,827 140,079    
...                     42.0% 35.8% 25.5% 35.9% 36.9%    
...                     7.73% 5.62% 6.79% 7.12% 6.48%    
...                     46.3% 41.3% 29.7% 45.0% 27.2%    
...                     32.9% 29.9% 21.7% 25.4% 20.5%    
... ...                   6.06% 0.642% 8.26% 8.95% 7.63%    
... ...     ...             17.9% 413% 65.1% 64.7% 58.2%    
... ...                   1.09% 2.72% 5.68% 6.15% 4.65%    
...                     0.155% 2.24% 1.68% 3.78% 1.05%    

Download Data
other data Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

... ... ... ... ... ... ... ... ... ... ... 4.00 4.00 4.00 4.00 4.00    
...                     182 187 188 196 210    
... ... ... ... ... ... ... ... ... ... ... ... 56.9% 72.6% 70.5% 75.5%    

Download Data
PPF Banka in Quarterly Numbers

This Quarterly statistical dossier offers a summary of PPF Banka's performance between Dec 08 and Jun 19 on an quarterly 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,

Read more »

This Quarterly statistical dossier offers a summary of PPF Banka's performance between Dec 08 and Jun 19 on an quarterly 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 PPF 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.

PPF Banka in Numbers

October 9, 2019
PPF Banka in Numbers

This Annual statistical dossier offers a summary of PPF Banka's performance between 2001 and 2018 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,

Read more »

This Annual statistical dossier offers a summary of PPF Banka's performance between 2001 and 2018 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 PPF 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.

Comparison of 22 Banks in Czech Republic

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

Read more »

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

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

Read more »

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 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.

Czech Banking - Analysis of 3Q2014

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In

Read more »

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.

The key points are:

  • Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
  • Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
  • The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
  • In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
  • The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.

The report is free to download, just register at our webpage.

PPF Banka - Analysis of 3Q2014 Performance

This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

PPF banka's net falls 29.5% in 3Q14...

PPF banka reported a net profit of CZK 133 mil. in 3Q14, down

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This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

PPF banka's net falls 29.5% in 3Q14...

PPF banka reported a net profit of CZK 133 mil. in 3Q14, down nearly 30% compared to the same period last year. Similar to the second quarter, losses from derivatives stand behind the profit deterioration (though some of the losses are reversed back into profits directly within bank's equity).

The overall picture looks pretty good in spite of the weak quarter. The bank still makes a double-digit ROE, is cost efficient, well funded and capitalised and is growing faster than the market:

...thanks to trading losses?

PPF banka is not a typical commercial bank. A large part of its revenue is generated by trading income as the bank serves as a trading platform to other subsidiaries of the PPF Group. While this type of income represented a fifth of total revenue in 2009, it's booked as a loss since 2011.

Having said that, the bank has been catching up in a big way. Just within the last three years, the bank has doubled its market share to 1.2% in terms of loans and 2.5% of total customer deposits.

Asset quality to watch for

The fast lending growth seems to be taking its toll on the bank's asset quality. The share of non-performing loans increased by nearly 2% qoq to 10.8% in 3Q2014, or CZK 527 mil.

In addition, provisions cover less than a third of the non-performing loans, which is well below the sector average's 48%.

No wonder that the cost of risk has been increasingly eating into the bank's profitability. In the last five quarters, newly created provisions represented nearly 2.0% of average loans of the bank earning around 40% of the bank's operating profit.

You will find more details about the bank at www.helgilibrary.com/companies

PPF Banka at a Glance

January 29, 2014
PPF Banka at a Glance

PPF banka a Czech Republic-based small bank. The bank is a of PPF Group, which is one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital

Read more »

PPF banka a Czech Republic-based small bank. The bank is a of PPF Group, which is one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of markets in Europe, the United States, Russia and a number of Asian countries, primarily for professional investors. part from PPF Group (having nearly 93% stake in the bank), the City of Prague holds 6.73% stake in PPF Banka.

This report offers a summary of the company's performance in 2002-2012. 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

PPF Banka in Numbers

PPF banka is a part of PPF Group, one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities

Read more »

PPF banka is a part of PPF Group, one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of markets in Europe, the United States, Russia and a number of Asian countries, primarily for professional investors. part from PPF Group (having nearly 93% stake in the bank), the City of Prague holds 6.73% stake in PPF Banka.

This excel file offers a summary of the company's performance in between 1Q2009-1Q2013 on the quarterly and in 2004-2012 on the annual basis. 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 file provides a detailed overview of the bank's market position in the comparison with the overall banking sector.

PPF Banka at a Glance

PPF banka is a part of PPF Group, one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities

Read more »

PPF banka is a part of PPF Group, one of the largest investment groups in the Czech Republic. The bank acts as PPF Group’s central treasury bank, conducting international payment operations for companies within PPF Group as well as underwriting and other investment services such as brokering finance in the capital markets. The bank specialises in trading securities in the majority of markets in Europe, the United States, Russia and a number of Asian countries, primarily for professional investors. part from PPF Group (having nearly 93% stake in the bank), the City of Prague holds 6.73% stake in PPF Banka.

This report offers a summary of the company's performance in 2004-2012. 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.

Analysis of Mortgage Lending in 1Q13

This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage

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This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage business for each bank.

This report provides a summary of the development in the 1Q2013. The key highlights are:

  • Mortgage loans increased by less than 1% qoq in the seasonally weakest quarter of the year, but the overall momentum stabilized. The annual increase remained unchanged at 6.3% yoy and sales of new loans of CZK 27.8 bil were nearly as high as in the same quarter last year:
  • Mortgage loans reached 18.2% of GDP at the end of March 2013, or more than a third of bank loans when other housing loans are included. Nearly 15% of Czech households have a mortgage loan now, while more than 14% of residential dwellings were financed through a mortgage loan, according to our calculations.
  • The average interest rate on mortgage loans continues to decline in line with the overall market trends. It reached 3.17% in 1Q13 while the average interest rate on the total mortgage loan stock dropped below 4.5%. This would imply that new loans were sold still with a decent 220 bp margin over a 5-year swap in 1Q13.
  • The share of non-performing loans increased slightly in the 1Q13, from 3.16% to 3.30% of total mortgage loans at the end of March. This is a result of the overall low indebtedness of Czech households, strict lending procedures and only a mild fall in real estate prices. Czech housing affordability remains one of the best in Europe.
  • As mortgage loans have grown to a sizable amount, the business  has become much more cost-efficient and profitable. We estimate mortgage business generates ROE of over 20% and contributes around 15% to the banking sector’s bottom line. LBBW and Raiffeisen seem to generate over 20% of their profits from mortgages when Hypoteční Banka’s results are taken as a guide.
  • The three largest banks (ČSOB, Česká Spořitelna and Komerční banka) further cemented their market position in 1Q13 taking their share to 65.4%.  ČSOB remains the leader closely followed by Spořitelna. In 1Q13, Raiffeisen confirmed its turnaround while GE Money Bank continued losing its market position the most.

Based on a comparison of 22 banks in the Czech Republic in 2017, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Air Bank.

Fio banka's loan to deposit ratio reached 12.7% at the end of 2017, down

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Based on a comparison of 22 banks in the Czech Republic in 2017, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Air Bank.

Fio banka's loan to deposit ratio reached 12.7% at the end of 2017, down from 17.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 4,690% in 2004 and an all time low of 1.16% in 2009.

Comparing Fio banka with its closest peers, PPF Banka ended the year 2017 with loans to deposits at 21.1%, Air Bank with 43.3% and Banka Creditas some 44.7% of loans to deposits at the end of 2017.

Overall, total loans of the Czech banking sector amounted to 74.0% of deposits at the end of 2017.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 29 banks in the Czech Republic in 2017, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached CZK 883,237 mil, up from CZK 788,873

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Based on a comparison of 29 banks in the Czech Republic in 2017, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached CZK 883,237 mil, up from CZK 788,873 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 883,237 mil in 2017 and an all time low of CZK 352,622 mil in 2000.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka's deposits amounted to CZK 762,043 mil at the end of 2017, CSOB operated with CZK 744,448 mil of customer deposits and UniCredit Czech Republic had clients' deposits of CZK 360,473 mil at the end of 2017.

Czech banks had customer deposits of CZK 4,169 bil in 2017, up 10.7% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 21.2% of the sector’s deposits in 2017. The top 3 companies held a 57.3% share while the five largest firms some 72.0% in 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 28 banks in the Czech Republic in 2018, Profi Credit Czech had the highest share of bad loans, followed by Provident Financial Czech Republic and Cofidis Czech Republic.

Profi Credit Czech's non-performing loans reached

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Based on a comparison of 28 banks in the Czech Republic in 2018, Profi Credit Czech had the highest share of bad loans, followed by Provident Financial Czech Republic and Cofidis Czech Republic.

Profi Credit Czech's non-performing loans reached 72.2% of total loans at the end of 2018, up from 71.3% when compared to the previous year. Historically, the NPL ratio hit an all time high of 73.2% in 2016 and an all time low of 32.7% in 2007.

Provision coverage amounted to 36.0% at the end of 2018, down from 40.2% compared to a year earlier.

Comparing Profi Credit Czech with its closest peers, Provident Financial Czech Republic operated at the end of 2018 with NPL ratio of 36.0% and provision coverage of 96.3%, Cofidis Czech Republic with 27.2% and 102% and Hello Bank! had 14.9% of bad loans covered with 80.1% by provisions at the end of 2018.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.25% of total loans in 2018, down from 3.74% 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.

Based on a comparison of 22 banks in the Czech Republic in 2018, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Banka Creditas.

Fio banka's loan to deposit ratio reached 12.6% at the end of 2018,

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Based on a comparison of 22 banks in the Czech Republic in 2018, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Banka Creditas.

Fio banka's loan to deposit ratio reached 12.6% at the end of 2018, down from 12.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 4,690% in 2004 and an all time low of 1.16% in 2009.

Comparing Fio banka with its closest peers, PPF Banka ended the year 2018 with loans to deposits at 25.9%, Banka Creditas with 39.5% and Air Bank some 44.9% of loans to deposits at the end of 2018.

Overall, total loans of the Czech banking sector amounted to 74.4% of deposits at the end of 2018.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Czech banks in the report section.

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PPF Banka's total revenues rose 28.5% to CZK 1,016 mil in 2Q2019
PPF Banka's net profit rose 17.7% to CZK 570 mil in 2Q2019
PPF Banka's customer deposits rose 13.4% to CZK 179,441 mil in 2Q2019
PPF Banka's customer deposits rose 13.4% to CZK 179,441 mil in 2Q2019
PPF Banka's customer loans fell 4.22% to CZK 34,157 mil in 2Q2019
PPF Banka's employees rose 0.433% to 232 in 2Q2019
PPF Banka's employees rose 0.433% to 232 in 2Q2019
PPF Banka's capital adequacy ratio rose 3.49% to 16.6% in 2Q2019
PPF Banka's retail loans fell 2.63% to CZK 157 mil in 2Q2019
PPF Banka's net interest income fell 6.83% to CZK 909 mil in 2Q2019
PPF Banka's npls (as % of loans) fell 14.5% to 9.62% in 2Q2019
PPF Banka's npls (as % of loans) fell 14.5% to 9.62% in 2Q2019
PPF Banka's net interest margin fell 1.46% to 1.81% in 2Q2019
PPF Banka's costs (as % of assets) rose 52.7% to 0.579% in 2Q2019
PPF Banka's customer loan growth fell 84.9% to 0.372% in 2Q2019
PPF Banka's customer loan growth fell 84.9% to 0.372% in 2Q2019
PPF Banka's Cost of Risk fell 502% to -0.086% in 2Q2019
PPF Banka's Cost of Risk fell 502% to -0.086% in 2Q2019
PPF Banka's equity (as % of assets) fell 5.84% to 6.15% in 2Q2019
PPF Banka's equity (as % of assets) fell 5.84% to 6.15% in 2Q2019
PPF Banka's net profit rose 44.8% to CZK 2,202 mil in 2018
PPF Banka's npls (as % of loans) rose 24.0% to 12.9% in 2018
PPF Banka's total revenues rose 23.0% to CZK 3,736 mil in 2018
PPF Banka's customer deposits fell 15.6% to CZK 132,785 mil in 2018
PPF Banka's net interest margin rose 11.5% to 1.48% in 2018
PPF Banka's employees rose 4.44% to 235 in 2018
PPF Banka's customer loans rose 3.61% to CZK 34,437 mil in 2018
PPF Banka's costs (as % of assets) fell 18.9% to 0.418% in 2018
PPF Banka's net interest income rose 41.1% to CZK 3,468 mil in 2018
PPF Banka's retail deposits rose 41.3% to CZK 4,255 mil in 2018
PPF Banka's corporate deposits fell 45.4% to CZK 17,509 mil in 2018
PPF Banka's corporate deposits fell 45.4% to CZK 17,509 mil in 2018
PPF Banka's customer loan growth fell 80.8% to 3.61% in 2018
PPF Banka's customer loan growth fell 80.8% to 3.61% in 2018
PPF Banka's provisions (as % of loans) rose 3.91% to 5.97% in 3Q2018