We use cookies to personalise the web experience for you. By using www.helgilibrary.com, you agree to our use of cookies.
Some cookies are also used by Google Analytics, which anonymously tracks visitors and helps us to analyse how users use our website. Read more

Provident Financial Czech Republic

Banking > Czech Republic > Provident Financial Czech Republic
Change Company
Provident Financial Czech Republic

Buy all financials of Provident Financial Czech Republic

from $199 /month

Buy annual subscriptions for all our products.

summary Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

... ... ... ...       2,866 2,956 2,100 2,388 1,893    
... ... ... ...       2,866 2,956 2,100 2,388 1,893    
... ... ... ...       1,033 1,077 865 1,135 705    
... ... ... ...       313 386 338 411 225    

balance sheet

... ... ... ...       80.3 86.5 123 185 55.1    
... ... ... ...       5,301 5,369 5,308 3,143 2,695    
... ... ... ...       5,851 6,576 6,178 3,768 3,273    
... ... ... ...       2,188 1,375 813 1,202 1,177    
... ... ... ...       1,399 2,380 2,881 2,212 1,845    
... ... ... ...       0 0 0 0 0    
... ... ... ...       0 0 0 0 0    

ratios

... ... ... ...       12.8% 21.7% 30.9% 40.7% 18.9%    
... ... ... ...       5.33% 6.22% 5.30% 8.26% 6.38%    
... ... ... ...       31.2% 30.2% 19.4% 25.2% 33.8%    
... ... ... ...       64.0% 63.6% 58.8% 52.5% 62.8%    
... ... ... ...       48.8% 47.6% 32.9% 48.0% 53.8%    
... ... ... ...       100% 100% 100% 100% 100%    
... ... ... ...       0% 0% 0% 0% 0%    
... ... ... ...       26.5% 26.4% 40.9% 37.1% 37.5%    
... ... ... ...       37.4% 20.9% 13.2% 31.9% 36.0%    
... ... ... ...       90.6% 81.7% 85.9% 83.4% 82.3%    
... ... ... ...       45.8% 47.2% 51.1% 41.9% 40.9%    
... ... ... ...       70.3% 74.8% 75.9% 100% 100%    

Download Data
income statement Unit
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
... ... ... ...       2,967 3,120 2,326 2,622 2,094    
... ... ... ...       102 164 226 234 201    
... ... ... ...       2,866 2,956 2,100 2,388 1,893    
... ... ... ...       0 0 0 0 0    
... ... ... ...       0 0 0 0 0    
... ... ... ...       2,866 2,956 2,100 2,388 1,893    
... ... ... ...       485 497 505 465 445    
... ... ... ...       41.5 25.4 23.4 24.4 22.9    
... ... ... ...       1,306 1,357 707 764 720    
... ... ... ...       1,833 1,879 1,235 1,253 1,189    
... ... ... ...       1,033 1,077 865 1,135 705    
... ... ... ...       595 561 379 604 312    
... ... ... ...       0 0 0 0 0    
... ... ... ...       438 516 486 532 392    
... ... ... ...       125 187 278 121 167    
... ... ... ...       0 0 0 0 0    
... ... ... ...       313 386 338 411 225    

growth rates

... ... ... ... ...     -3.73% 3.17% -29.0% 13.7% -20.7%    
... ... ... ... ...     -3.73% 3.17% -29.0% 13.7% -20.7%    
... ... ... ... ...     -10.2% 2.53% -34.3% 1.45% -5.14%    
... ... ... ... ...     10.3% 4.30% -19.7% 31.2% -37.9%    
... ... ... ... ...     -49.8% 17.8% -5.79% 9.35% -26.3%    
... ... ... ... ...     -53.4% 23.5% -12.5% 21.4% -45.3%    

market share

... ... ... ...       1.71% 1.76% 1.25% 1.37% 1.05%   ...
... ... ... ...       0.486% 0.633% 0.536% 0.619% 0.306%   ...
    ... ...       1.66% 1.64% 1.59% 1.44% 1.26%   ...

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

balance sheet

... ... ... ...       0.772 0.178 0.235 51.4 16.8    
... ... ... ...       80.3 86.5 123 185 55.1    
... ... ... ...       5,301 5,369 5,308 3,143 2,695    
... ... ... ...       64.9 58.9 60.9 58.8 55.1    
... ... ... ...       5,851 6,576 6,178 3,768 3,273    
... ... ... ...       2,188 1,375 813 1,202 1,177    
... ... ... ...       0 0 0 0 0    
... ... ... ...       3,663 5,201 5,365 2,566 2,096    
... ... ... ...       1,399 2,380 2,881 2,212 1,845    
... ... ... ...       0 0 0 0 0    
... ... ... ...       0 0 0 0 0    
... ... ... ...       2,263 2,821 2,484 354 251    

asset quality

... ... ... ...       3,579 4,035 4,516 2,270 1,868    
... ... ... ...       7,816 8,546 8,839 5,414 4,563    
... ... ... ...       2,515 3,017 3,426 2,270 1,868    

growth rates

... ... ... ... ...     0.185% 1.28% -1.14% -40.8% -14.3%    
... ... ... ... ...     -0.631% 12.4% -6.05% -39.0% -13.1%    
... ... ... ... ...     -18.4% -37.2% -40.9% 47.9% -2.11%    

market share

... ... ... ...       0.225% 0.214% 0.201% 0.113% 0.091%    
... ... ... ...       0.126% 0.126% 0.115% 0.068% 0.054%    
... ... ... ...       0% 0% 0% 0% 0%    

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

ratios

... ... ... ...       12.8% 21.7% 30.9% 40.7% 18.9%    
... ... ... ...       5.33% 6.22% 5.30% 8.26% 6.38%    
... ... ... ...       31.2% 30.2% 19.4% 25.2% 33.8%    
... ... ... ...       64.0% 63.6% 58.8% 52.5% 62.8%    
... ... ... ...       48.8% 47.6% 32.9% 48.0% 53.8%    
... ... ... ... ...     47.6% 46.5% 32.2% 46.8% 50.9%    
... ... ... ...       50.6% 50.2% 36.5% 52.7% 59.5%    
... ... ... ... ...     2.96% 3.69% 4.27% 5.89% 8.62%    
... ... ... ...       100% 100% 100% 100% 100%    
... ... ... ...       0% 0% 0% 0% 0%    
... ... ... ...       0% 0% 0% 0% 0%    
... ... ... ...       3,108 3,247 3,066 2,740 2,838    
... ... ... ...       60,791 63,523 65,534 65,405 71,619    
... ... ... ...       26.5% 26.4% 40.9% 37.1% 37.5%    
... ... ... ...       37.4% 20.9% 13.2% 31.9% 36.0%    
... ... ... ...       90.6% 81.7% 85.9% 83.4% 82.3%    
... ... ... ...       45.8% 47.2% 51.1% 41.9% 40.9%    
... ... ... ...       70.3% 74.8% 75.9% 100% 100%    
... ... ... ...       47.4% 56.2% 64.5% 72.2% 69.3%    
... ... ... ...       11.2% 10.5% 7.10% 14.3% 10.7%    

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

other data

... ... ... ...       665 652 642 592 518    

Download Data
Provident Financial Czech Republic in Numbers

This Annual statistical dossier offers a summary of Provident Financial Czech Republic's performance between 2005 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

Read more »

This Annual statistical dossier offers a summary of Provident Financial Czech Republic's performance between 2005 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 Provident Financial Czech Republic'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 2017, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest

Read more »

Based on a comparison of 28 banks in the Czech Republic in 2017, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest margin amounted to 44.0% in 2017, down from 53.8% 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 45.3%.

Average asset yield was 49.7% in 2017, down from 59.5% when compared to previous year. On the other hand, cost of funding amounted to 9.56% in 2017, up from 8.62%.

Comparing Provident Financial Czech Republic with its closest peers, Profireal Group operated in 2017 with a net interest margin of 25.2% Profi Credit Czech reached 22.6% and Cofidis Czech Republic some 12.7%.

The average net interest margin reached 1.71% in the Czech banking sector in 2017 while interest spread amounted to 3.31%.

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 2016, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest

Read more »

Based on a comparison of 28 banks in the Czech Republic in 2016, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest margin amounted to 53.8% in 2016, up from 48.0% 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 46.2%.

Average asset yield was 59.5% in 2016, up from 52.7% when compared to previous year. On the other hand, cost of funding amounted to 8.62% in 2016, up from 5.89%.

Comparing Provident Financial Czech Republic with its closest peers, Profireal Group operated in 2016 with a net interest margin of 24.8% Profi Credit Czech reached 21.4% and Cofidis Czech Republic some 13.5%.

The average net interest margin reached 1.90% in the Czech banking sector in 2016 while interest spread amounted to 3.53%.

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 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

Read more »

Based on a comparison of 28 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.

Based on a comparison of 28 banks in the Czech Republic in 2016, Ceska Sporitelna had the most employees, followed by CSOB and Komercni Banka.

Ceska Sporitelna employed 10,299 persons in 2016, down 1.92% when compared to the previous

Read more »

Based on a comparison of 28 banks in the Czech Republic in 2016, Ceska Sporitelna had the most employees, followed by CSOB and Komercni Banka.

Ceska Sporitelna employed 10,299 persons in 2016, down 1.92% when compared to the previous year. Historically, the bank's workforce hit an all time high of 14,131 persons in 2000 and an all time low of 10,299 in 2016.

Average cost reached CZK 74,190 per month per month per employee, 6.19% more than a year ago. This figure was CZK 59,483 per month some 10 years ago.

Comparing Ceska Sporitelna with its closest peers, CSOB had 8,517 employees with average cost of CZK 73,481 per month per person, Komercni Banka operated with 8,458 people (and CZK 69,254 per month per employee) and UniCredit Czech Republic had 3,328 employees in 2016 with cost CZK 3,328 per month per head.

Czech banking sector employed 41,202 people in 2016.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
Provident Financial Czech Republic's net profit fell 17.6% to CZK 157 mil in 2018
Provident Financial Czech Republic's net interest income rose 0.315% to CZK 1,395 mil in 2018
Provident Financial Czech Republic's net interest margin rose 16.3% to 51.1% in 2018
Provident Financial Czech Republic's total revenues rose 0.315% to CZK 1,390 mil in 2018
Provident Financial Czech Republic's customer loans fell 21.2% to CZK 2,396 mil in 2018
Provident Financial Czech Republic's customer deposits remain unchanged at CZK 0 mil in 2018