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Profi Credit Czech

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Profi Credit Czech

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summary Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

                        546 638 726 813 882    
                        1,343 656 782 868 929    
                        931 189 269 358 398    
                        127 94.8 104 154 174    

balance sheet

                        22.8 44.9 39.4 32.8 30.6    
                        4,343 4,889 5,247 4,026 3,921    
                        0 0 0 0 0    
                        4,480 5,073 5,444 4,188 4,059    
                        1,255 1,205 1,264 1,435 1,559    
                        1,499 1,769 1,621 1,671 1,395    
                        0 0 0 0 0    
                        0 0 145 326 446    

ratios

                        10.7% 7.71% 8.39% 11.4% 11.6%    
                        2.97% 1.98% 1.97% 3.19% 4.22%    
                        9.61% 9.77% 9.74% 10.6% 12.9%    
                        30.7% 71.1% 65.5% 58.7% 57.2%    
                        12.7% 13.4% 13.8% 16.9% 21.4%    
                        40.7% 97.2% 92.9% 93.6% 95.0%    
                        0% 0% 0% 0% 0%    
                        34.2% 30.8% 29.8% 31.7% 30.2%    
                        28.0% 23.8% 23.2% 34.3% 38.4%    
                        96.9% 96.4% 96.4% 96.1% 96.6%    
... ... ... ... ...               68.5% 65.6% 66.2% 70.1% 73.2%    
... ... ... ... ...               76.8% 82.7% 81.7% 80.3% 80.2%    

Download Data
income statement Unit
2000 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
                        810 937 1,065 1,140 1,143    
                        264 299 339 327 261    
                        546 638 726 813 882    
                        0 0 0 0 0    
                        797 18.1 55.2 55.7 46.6    
                        1,343 656 782 868 929    
                        141 144 153 162 161    
                        5.63 5.96 6.61 6.17 8.23    
                        266 317 353 342 362    
                        412 466 512 510 531    
                        931 189 269 358 398    
                        754 33.8 98.5 179 227    
                        0 0 0 0 0    
                        177 156 171 179 171    
                        49.3 60.8 67.3 25.4 -2.66    
                        0 0 0 0 0    
                        127 94.8 104 154 174    

growth rates

...                       8.70% 16.8% 13.9% 11.9% 8.54%    
...                       -0.604% -51.2% 19.2% 11.1% 6.95%    
...                       15.7% 13.2% 9.82% -0.485% 4.11%    
...                       -6.43% -79.7% 42.3% 33.1% 11.0%    
...                       -6.51% -11.9% 9.81% 4.75% -4.30%    
...                       -12.0% -25.5% 9.25% 48.5% 13.1%    

market share

                        0.803% 0.390% 0.466% 0.499% 0.515%   ...
...     ...                 0.198% 0.155% 0.164% 0.232% 0.237%   ...
...                       0.481% 0.513% 0.533% 0.539% 0.556%   ...

Download Data
balance sheet Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

                        0.470 0.515 0.480 0.348 0.598    
                        22.8 44.9 39.4 32.8 30.6    
                        4,343 4,889 5,247 4,026 3,921    
                        0 0 0 0 0    
                        68.0 85.9 101 59.4 49.8    
                        4,480 5,073 5,444 4,188 4,059    
                        1,255 1,205 1,264 1,435 1,559    
                        0 0 0 0 0    
                        3,225 3,868 4,180 2,754 2,500    
                        1,499 1,769 1,621 1,671 1,395    
                        0 0 0 0 0    
                        0 0 145 326 446    
                        1,726 2,099 2,414 757 659    

asset quality

... ... ... ... ...               4,416 4,949 5,604 6,262 6,730    
... ...                     6,445 7,548 8,462 8,935 9,199    
... ...                     3,390 4,094 4,580 5,027 5,397    

growth rates

...                       8.65% 12.6% 7.32% -23.3% -2.61%    
...                       9.47% 13.2% 7.30% -23.1% -3.10%    
...                       11.3% -3.96% 4.85% 13.5% 8.64%    

market share

                        0.184% 0.194% 0.199% 0.145% 0.133%    
                        0.097% 0.098% 0.101% 0.075% 0.067%    
                        0% 0% 0% 0% 0%    

Download Data
ratios Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

                        10.7% 7.71% 8.39% 11.4% 11.6%    
                        2.97% 1.98% 1.97% 3.19% 4.22%    
                        9.61% 9.77% 9.74% 10.6% 12.9%    
                        30.7% 71.1% 65.5% 58.7% 57.2%    
                        12.7% 13.4% 13.8% 16.9% 21.4%    
...                       10.4% 11.2% 11.8% 14.2% 17.8%    
                        18.9% 19.6% 20.3% 23.7% 27.7%    
...                       8.54% 8.42% 8.42% 9.44% 9.94%    
                        40.7% 97.2% 92.9% 93.6% 95.0%    
                        0% 0% 0% 0% 0%    
                        59.3% 2.75% 7.06% 6.41% 5.02%    
...                       3,106 3,001 2,768 2,541 2,325    
...                       60,745 58,713 59,159 60,644 58,669    
                        34.2% 30.8% 29.8% 31.7% 30.2%    
                        28.0% 23.8% 23.2% 34.3% 38.4%    
                        96.9% 96.4% 96.4% 96.1% 96.6%    
... ... ... ... ...               68.5% 65.6% 66.2% 70.1% 73.2%    
... ... ... ... ...               76.8% 82.7% 81.7% 80.3% 80.2%    
... ...                     78.1% 83.7% 87.3% 125% 138%    
                        18.1% 0.732% 1.94% 3.87% 5.70%    

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other data Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

...                       193 204 215 222 228    
... ... ... ... ... ...             26.8 25.0 27.5 26.8 24.9    
... ... ... ... ... ...             692 919 906 904 962    
... ... ... ... ... ...             25,765 36,786 32,978 33,715 38,562    

Download Data
Profi Credit Czech in Numbers

This Annual statistical dossier offers a summary of Profi Credit Czech's performance between 2000 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,

Read more »

This Annual statistical dossier offers a summary of Profi Credit Czech's performance between 2000 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 Profi Credit'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.

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 28 banks in the Czech Republic in 2018, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profi Credit Czech and Cofidis Czech Republic.

Provident Financial Czech Republic's

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Based on a comparison of 28 banks in the Czech Republic in 2018, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profi Credit Czech and Cofidis Czech Republic.

Provident Financial Czech Republic's net interest margin amounted to 51.1% in 2018, up from 44.0% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 53.8% in 2016 and an all time low of 0.096% in 2010. The average margin in the last five years amounted to 46.0%.

Average asset yield was 54.8% in 2018, up from 49.7% when compared to previous year. On the other hand, cost of funding amounted to 6.41% in 2018, down from 9.56%.

Comparing Provident Financial Czech Republic with its closest peers, Profi Credit Czech operated in 2018 with a net interest margin of 24.7% Cofidis Czech Republic reached 12.7% and Hello Bank! some 10.3%.

The average net interest margin reached 1.80% in the Czech banking sector in 2018 while interest spread amounted to %.

You can see all the banks interest margin data on the Net Interest Margin 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, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Fio banka.

Hypotecni Banka's cost to income ratio reached 25.8% in 2018, down from 22.1%

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Based on a comparison of 28 banks in the Czech Republic in 2018, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Fio banka.

Hypotecni Banka's cost to income ratio reached 25.8% in 2018, down from 22.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2018, down from 0.356% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2018 with a cost to income ratio of 26.2%, Fio banka reached 31.8% and Profi Credit Czech some 32.8%.

The average cost to income ratio reached 44.6% in the Czech banking sector in 2018.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 27 banks in the Czech Republic in 2016, Profi Credit Czech had the highest share of bad loans, followed by Profireal Group and Provident Financial Czech Republic.

Profi Credit Czech's non-performing loans reached

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Based on a comparison of 27 banks in the Czech Republic in 2016, Profi Credit Czech had the highest share of bad loans, followed by Profireal Group and Provident Financial Czech Republic.

Profi Credit Czech's non-performing loans reached 73.2% of total loans at the end of 2016, up from 70.1% 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 67.7% at the end of 2016, up from 60.1% compared to a year earlier.

Comparing Profi Credit Czech with its closest peers, Profireal Group operated at the end of 2016 with NPL ratio of 67.7% and provision coverage of 64.9%, Provident Financial Czech Republic with 40.9% and 100% and Essox had 26.3% of bad loans covered with 94.4% by provisions at the end of 2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.59% of total loans in 2016, down from 5.48% 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.

See all charts of the company »
Profi Credit's net interest margin rose 9.46% to 24.7% in 2018
Profi Credit's net profit rose 21.7% to CZK 226 mil in 2018
Profi Credit's npls (as % of loans) rose 1.28% to 72.2% in 2018
Profi Credit's net interest income rose 2.41% to CZK 906 mil in 2018
Profi Credit's customer loans fell 5.64% to CZK 3,642 mil in 2018
Profi Credit's customer deposits remain unchanged at CZK 0 mil in 2018
Profi Credit's total revenues rose 3.38% to CZK 934 mil in 2018