By Helgi Analytics - September 28, 2021
Wustenrot Group made a net profit of CZK 604 mil under revenues of CZK 1,542 mil in 2020, up 6.04% and -2.40% respectively compared t...
By Helgi Analytics - September 28, 2021
Wustenrot Group made a net profit of CZK 604 mil in 2020, up 6.04% compared to the previous year. This implies a return on equit...
By Helgi Analytics - September 28, 2021
Wustenrot Group employed 135 persons in 2020, down 56.0% when compared to the previous year. Historically, the bank's workforce ...
| Profit Statement | 2018 | 2019 | 2020 | |
| Net Interest Income | CZK mil | 1,187 | 1,208 | 1,014 |
| Net Fee Income | CZK mil | 149 | 107 | 107 |
| Other Income | CZK mil | 189 | 265 | 421 |
| Total Revenues | CZK mil | 1,525 | 1,580 | 1,542 |
| Staff Cost | CZK mil | 299 | 337 | 289 |
| Operating Profit | CZK mil | 603 | 614 | 718 |
| Provisions | CZK mil | 128 | -91.0 | -36.0 |
| Net Profit | CZK mil | 420 | 570 | 604 |
| Balance Sheet | 2018 | 2019 | 2020 | |
| Interbank Loans | CZK mil | 3,608 | 6,705 | 8,820 |
| Customer Loans | CZK mil | 50,888 | 56,025 | 55,591 |
| Investments | CZK mil | 14,458 | 14,042 | 7,316 |
| Total Assets | CZK mil | 72,644 | 77,844 | 73,292 |
| Shareholders' Equity | CZK mil | 5,435 | 5,376 | 5,094 |
| Interbank Borrowing | CZK mil | 1,050 | 688 | 4,009 |
| Customer Deposits | CZK mil | 48,475 | 55,476 | 53,567 |
| Issued Debt Securities | CZK mil | 16,638 | 15,438 | 10,018 |
| Ratios | 2018 | 2019 | 2020 | |
| ROE | % | 7.61 | 10.5 | 11.5 |
| ROA | % | 0.591 | 0.757 | 0.799 |
| Costs (As % Of Assets) | % | 1.30 | 1.28 | 1.09 |
| Costs (As % Of Income) | % | 60.5 | 61.2 | 53.4 |
| Net Interest Margin | % | 1.67 | 1.61 | 1.34 |
| Loans (As % Of Deposits) | % | 105 | 101 | 104 |
| NPLs (As % Of Loans) | % | 4.05 | 2.22 | 2.18 |
| Provisions (As % Of NPLs) | % | 69.1 | 101 | 47.8 |
| Valuation | 2018 | 2019 | 2020 | |
| Market Capitalisation | USD mil | 203 | 201 | 213 |
| Number Of Shares | mil | 1.00 | 1.00 | 1.00 |
| Share Price | CZK | 4,550 | 4,550 | 4,550 |
| Price/Earnings (P/E) | 10.8 | 7.99 | 7.53 | |
| Price/Book Value (P/BV) | 0.837 | 0.846 | 0.893 | |
| Earnings Per Share (EPS) | CZK | 420 | 570 | 604 |
| Book Value Per Share | CZK | 5,435 | 5,376 | 5,094 |
Get all company financials in excel:
| summary | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||
| Net Interest Income | CZK mil | 960 | 1,107 | 1,078 | 1,075 | 1,187 | ||||||||||||
| Total Revenues | CZK mil | 1,196 | 1,302 | 1,480 | 1,480 | 1,525 | ||||||||||||
| Operating Profit | CZK mil | 505 | 546 | 660 | 687 | 603 | ||||||||||||
| Net Profit | CZK mil | 309 | 340 | 405 | 415 | 420 | ||||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | CZK mil | 2,830 | 1,973 | 574 | 2,626 | 3,608 | ||||||||||||
| Customer Loans | CZK mil | 46,790 | 47,786 | 48,551 | 49,578 | 50,888 | ||||||||||||
| Investments | CZK mil | 12,397 | 11,385 | 12,630 | 12,624 | 14,458 | ||||||||||||
| Total Assets | CZK mil | 66,473 | 64,773 | 67,523 | 69,723 | 72,644 | ||||||||||||
| Shareholders' Equity | CZK mil | 4,749 | 5,141 | 5,511 | 5,612 | 5,435 | ||||||||||||
| Interbank Borrowing | CZK mil | 322 | 1,903 | 511 | 1,360 | 1,050 | ||||||||||||
| Customer Deposits | CZK mil | 53,241 | 48,454 | 49,494 | 48,955 | 48,475 | ||||||||||||
| Issued Debt Securities | CZK mil | 7,762 | 8,832 | 11,550 | 12,649 | 16,638 | ||||||||||||
| ratios | ||||||||||||||||||
| ROE | % | ... | 6.76 | 6.88 | 7.60 | 7.47 | 7.61 | |||||||||||
| ROA | % | ... | 0.460 | 0.518 | 0.612 | 0.605 | 0.591 | |||||||||||
| Costs (As % Of Assets) | % | ... | 1.03 | 1.15 | 1.24 | 1.16 | 1.30 | |||||||||||
| Costs (As % Of Income) | % | 57.8 | 58.1 | 55.4 | 53.6 | 60.5 | ||||||||||||
| Net Interest Margin | % | ... | 1.43 | 1.69 | 1.63 | 1.57 | 1.67 | |||||||||||
| Interest Income (As % Of Revenues) | % | 80.3 | 85.0 | 72.8 | 72.7 | 77.8 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 16.4 | 12.9 | 11.5 | 12.2 | 9.79 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.0 | 36.5 | 31.0 | 34.2 | 32.4 | ||||||||||||
| Equity (As % Of Assets) | % | 7.14 | 7.94 | 8.16 | 8.05 | 7.48 | ||||||||||||
| Loans (As % Of Deposits) | % | 87.9 | 98.6 | 98.1 | 101 | 105 | ||||||||||||
| Loans (As % Assets) | % | 70.4 | 73.8 | 71.9 | 71.1 | 70.1 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 3.88 | 3.40 | 3.72 | 3.09 | 4.05 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 46.9 | 56.5 | 58.2 | 76.5 | 69.1 | ||||||||||
| valuation | ||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 183 | 177 | 214 | 203 | ||
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.00 | 1.00 | 1.00 | 1.00 | ||
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4,550 | 4,550 | 4,550 | 4,550 | ||
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 340 | 405 | 415 | 420 | ||
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,141 | 5,511 | 5,612 | 5,435 | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.4 | 11.2 | 11.0 | 10.8 | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.885 | 0.826 | 0.811 | 0.837 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19.1 | 2.58 | 1.20 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.20 | 1.84 | -3.17 |
| income statement | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||
| Interest Income | CZK mil | 2,382 | 2,230 | 2,083 | 1,997 | 2,084 | ||||||||||||
| Interest Cost | CZK mil | 1,422 | 1,123 | 1,005 | 922 | 897 | ||||||||||||
| Net Interest Income | CZK mil | 960 | 1,107 | 1,078 | 1,075 | 1,187 | ||||||||||||
| Net Fee Income | CZK mil | 196 | 168 | 170 | 180 | 149 | ||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Other Income | CZK mil | 40.0 | 27.0 | 232 | 225 | 189 | ||||||||||||
| Total Revenues | CZK mil | 1,196 | 1,302 | 1,480 | 1,480 | 1,525 | ||||||||||||
| Staff Cost | CZK mil | 249 | 276 | 254 | 272 | 299 | ||||||||||||
| Depreciation | CZK mil | 68.0 | 104 | 80.0 | 84.6 | 80.1 | ||||||||||||
| Other Cost | CZK mil | 374 | 376 | 486 | 437 | 543 | ||||||||||||
| Operating Cost | CZK mil | 691 | 756 | 820 | 793 | 922 | ||||||||||||
| Operating Profit | CZK mil | 505 | 546 | 660 | 687 | 603 | ||||||||||||
| Provisions | CZK mil | 121 | 121 | 156 | 175 | 128 | ||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | -0.411 | 0 | ||||||||||||
| Pre-Tax Profit | CZK mil | 384 | 425 | 504 | 512 | 475 | ||||||||||||
| Tax | CZK mil | 75.0 | 85.0 | 99.0 | 96.9 | 54.5 | ||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Net Profit | CZK mil | 309 | 340 | 405 | 415 | 420 | ||||||||||||
| Net Profit Avail. to Common | CZK mil | 309 | 340 | 405 | 415 | 420 | ||||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | 1.27 | 15.3 | -2.62 | -0.248 | 10.4 | |||||||||||
| Net Fee Income Growth | % | ... | -37.4 | -14.3 | 1.19 | 5.85 | -17.0 | |||||||||||
| Total Revenue Growth | % | ... | -6.78 | 8.86 | 13.7 | 0.002 | 3.06 | |||||||||||
| Operating Cost Growth | % | ... | 0 | 9.41 | 8.47 | -3.29 | 16.3 | |||||||||||
| Operating Profit Growth | % | ... | -14.7 | 8.12 | 20.9 | 4.09 | -12.2 | |||||||||||
| Pre-Tax Profit Growth | % | ... | -24.1 | 10.7 | 18.6 | 1.62 | -7.27 | |||||||||||
| Net Profit Growth | % | ... | -23.3 | 10.0 | 19.1 | 2.58 | 1.20 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | 0.712 | 0.748 | 0.821 | 0.826 | 0.801 | ||||||||||||
| Market Share in Net Profit | % | 0.490 | 0.512 | 0.548 | 0.551 | 0.516 | ||||||||||||
| Market Share in Employees | % | 0.875 | 0.666 | 0.697 | 0.695 | 0.733 | ||||||||||||
| Market Share in Branches | % | 0.090 | 0.092 | 0.098 | 0.103 | 0.102 |
| balance sheet | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | ||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 3,588 | 2,916 | 5,037 | 843 | 543 | ||||||||||||
| Interbank Loans | CZK mil | 2,830 | 1,973 | 574 | 2,626 | 3,608 | ||||||||||||
| Customer Loans | CZK mil | 46,790 | 47,786 | 48,551 | 49,578 | 50,888 | ||||||||||||
| Retail Loans | CZK mil | 41,610 | 45,168 | 46,393 | 47,794 | 50,440 | ||||||||||||
| Mortgage Loans | CZK mil | 41,610 | 45,168 | 46,393 | 46,394 | 48,879 | ||||||||||||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 1,400 | 1,561 | ||||||||||||
| Corporate Loans | CZK mil | 2,992 | 2,566 | 2,127 | 2,114 | 1,912 | ||||||||||||
| Investments | CZK mil | 12,397 | 11,385 | 12,630 | 12,624 | 14,458 | ||||||||||||
| Property and Equipment | CZK mil | 128 | 98.0 | 86.0 | 40.0 | 33.0 | ||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 151 | 147 | 141 | 118 | 103 | ||
| Total Assets | CZK mil | 66,473 | 64,773 | 67,523 | 69,723 | 72,644 | ||||||||||||
| Shareholders' Equity | CZK mil | 4,749 | 5,141 | 5,511 | 5,612 | 5,435 | ||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Liabilities | CZK mil | 61,724 | 59,632 | 62,012 | 64,110 | 67,209 | ||||||||||||
| Interbank Borrowing | CZK mil | 322 | 1,903 | 511 | 1,360 | 1,050 | ||||||||||||
| Customer Deposits | CZK mil | 53,241 | 48,454 | 49,494 | 48,955 | 48,475 | ||||||||||||
| Retail Deposits | CZK mil | 51,902 | 47,221 | 48,046 | 48,430 | 48,035 | ||||||||||||
| Corporate Deposits | CZK mil | 773 | 653 | 600 | 513 | 440 | ||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Issued Debt Securities | CZK mil | 7,762 | 8,832 | 11,550 | 12,649 | 16,638 | ||||||||||||
| Other Liabilities | CZK mil | 399 | 443 | 457 | 1,146 | 1,047 | ||||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 1,849 | 1,657 | 1,845 | 1,569 | 2,119 | ||||||||||
| Gross Loans | CZK mil | 47,657 | 48,722 | 49,625 | 50,769 | 52,352 | ||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28,983 | 29,375 | 28,600 | 29,625 | 32,057 | ||
| Total Provisions | CZK mil | ... | ... | 867 | 936 | 1,074 | 1,200 | 1,464 | ||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | -1.69 | 2.13 | 1.60 | 2.12 | 2.64 | |||||||||||
| Retail Loan Growth | % | ... | -8.52 | 8.55 | 2.71 | 3.02 | 5.54 | |||||||||||
| Mortgage Loan Growth | % | ... | -8.52 | 8.55 | 2.71 | 0.002 | 5.36 | |||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.5 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -14.2 | -17.1 | -0.626 | -9.56 | ||
| Total Asset Growth | % | ... | -2.23 | -2.56 | 4.25 | 3.26 | 4.19 | |||||||||||
| Shareholders' Equity Growth | % | ... | 8.25 | 8.25 | 7.20 | 1.84 | -3.17 | |||||||||||
| Customer Deposit Growth | % | ... | -3.03 | -8.99 | 2.15 | -1.09 | -0.980 | |||||||||||
| Retail Deposit Growth | % | ... | -5.47 | -9.02 | 1.75 | 0.800 | -0.816 | |||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -15.5 | -8.14 | -14.4 | -14.2 | ||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 1.78 | 1.72 | 1.65 | 1.61 | 1.54 | ||||||||||||
| Market Share in Corporate Loans | % | 0.342 | 0.279 | 0.218 | 0.207 | 0.177 | ||||||||||||
| Market Share in Retail Loans | % | 3.39 | 3.42 | 3.27 | 3.13 | 3.07 | ||||||||||||
| Market Share in Consumer Loans | % | 0 | 0 | 0 | 0.367 | 0.390 | ||||||||||||
| Market Share in Mortgage Loans | % | 4.62 | 4.65 | 4.40 | 4.04 | 3.92 | ||||||||||||
| Market Share in Total Assets | % | 1.25 | 1.18 | 1.13 | 0.996 | 0.998 | ||||||||||||
| Market Share in Customer Deposits | % | 1.55 | 1.38 | 1.31 | 1.17 | 1.09 | ||||||||||||
| Market Share in Retail Deposits | % | 2.70 | 2.32 | 2.17 | 2.04 | 1.88 | ||||||||||||
| Market Share in Corporate Deposits | % | 0.092 | 0.071 | 0.065 | 0.052 | 0.042 |
| ratios | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | 6.76 | 6.88 | 7.60 | 7.47 | 7.61 | |||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.09 | 7.82 | 7.65 | 7.77 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.77 | 9.31 | 9.51 | 9.09 | ||
| ROA | % | ... | 0.460 | 0.518 | 0.612 | 0.605 | 0.591 | |||||||||||
| Return on Loans | % | ... | 0.655 | 0.719 | 0.841 | 0.847 | 0.837 | |||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.87 | 2.28 | 2.36 | 1.96 | ||
| Costs (As % Of Assets) | % | ... | 1.03 | 1.15 | 1.24 | 1.16 | 1.30 | |||||||||||
| Costs (As % Of Income) | % | 57.8 | 58.1 | 55.4 | 53.6 | 60.5 | ||||||||||||
| Costs (As % Of Loans) | % | ... | 1.46 | 1.60 | 1.70 | 1.62 | 1.84 | |||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.682 | 0.770 | 0.844 | 0.807 | 0.932 | |||||||||||
| Net Interest Margin | % | ... | 1.43 | 1.69 | 1.63 | 1.57 | 1.67 | |||||||||||
| Interest Spread | % | ... | 1.27 | 1.55 | 1.50 | 1.45 | 1.56 | |||||||||||
| Asset Yield | % | ... | 3.54 | 3.40 | 3.15 | 2.91 | 2.93 | |||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.46 | 5.11 | 5.08 | 4.95 | ||
| Cost Of Liabilities | % | ... | 2.27 | 1.85 | 1.65 | 1.46 | 1.37 | |||||||||||
| Interest Income (As % Of Revenues) | % | 80.3 | 85.0 | 72.8 | 72.7 | 77.8 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 16.4 | 12.9 | 11.5 | 12.2 | 9.79 | ||||||||||||
| Other Income (As % Of Revenues) | % | 3.34 | 2.07 | 15.7 | 15.2 | 12.4 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.0 | 36.5 | 31.0 | 34.2 | 32.4 | ||||||||||||
| Equity (As % Of Assets) | % | 7.14 | 7.94 | 8.16 | 8.05 | 7.48 | ||||||||||||
| Equity (As % Of Loans) | % | 10.1 | 10.8 | 11.4 | 11.3 | 10.7 | ||||||||||||
| Loans (As % Of Deposits) | % | 87.9 | 98.6 | 98.1 | 101 | 105 | ||||||||||||
| Loans (As % Assets) | % | 70.4 | 73.8 | 71.9 | 71.1 | 70.1 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 3.88 | 3.40 | 3.72 | 3.09 | 4.05 | ||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 46.9 | 56.5 | 58.2 | 76.5 | 69.1 | ||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 1.85 | 1.96 | 2.21 | 2.42 | 2.88 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.256 | 0.256 | 0.324 | 0.357 | 0.255 |
| other data | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Employees | 353 | 274 | 286 | 291 | 307 | |||||||||||||
| Employees Per Bank Branch | 177 | 137 | 143 | 146 | 154 | |||||||||||||
| Cost Per Employee | USD per month | 2,750 | 3,514 | 2,933 | 3,314 | 3,710 | ||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 58,782 | 83,873 | 74,009 | 77,771 | 81,163 |
| customer breakdown | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | ... | ... | ... | ... | 0.454 | 0.425 | 0.413 | 0.404 | 0.393 | ||||||||
| Number of Accounts | mil | ... | ... | ... | ... | 0.438 | 0.405 | 0.393 | 0.384 | 0.372 | ||||||||
| Number of Mortgages | mil | ... | ... | ... | ... | 0.074 | 0.075 | 0.074 | 0.072 | 0.072 | ||||||||
| Average Size of Deposit | CZK | ... | ... | ... | ... | 121,685 | 119,580 | 126,073 | 127,492 | 130,408 | ||||||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | 560,477 | 603,437 | 628,478 | 641,324 | 677,847 | ||||||||
| Accounts (As % of Total Clients) | % | ... | ... | ... | ... | 96.4 | 95.4 | 95.1 | 95.0 | 94.5 | ||||||||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | 16.4 | 17.6 | 17.9 | 17.9 | 18.3 | ||||||||
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,707 | 11,025 | 11,257 | 11,565 | ||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | 2,634 | 3,064 | 3,586 | 3,662 | 3,877 | ||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | 681 | 800 | 981 | 1,028 | 1,069 | ||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | 103,050 | 112,451 | 117,644 | 122,660 | 129,345 | ||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | 117,258 | 114,023 | 119,929 | 121,119 | 123,213 | ||||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 431 | 430 | 529 | 515 | ||
| Revenue per Customer | USD | ... | ... | ... | ... | 123 | 128 | 142 | 156 | 177 | ||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | 31.8 | 33.5 | 38.9 | 43.8 | 48.8 | ||||||||
| Loan per Customer | USD | ... | ... | ... | ... | 4,497 | 4,530 | 4,588 | 5,761 | 5,757 | ||||||||
| Deposit per Customer | USD | ... | ... | ... | ... | 5,117 | 4,593 | 4,678 | 5,689 | 5,484 |
Get all company financials in excel:
By Helgi Analytics - September 28, 2021
Wustenrot Group's mortgage loans reached CZK 53,174 mil in 2020, down 1.03% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,436 bil in 2020, up 7.98% when compared to the last year. Wustenrot Group accounted for 3.70% ...
By Helgi Analytics - September 28, 2021
Wustenrot Group's customer loans reached CZK 55,591 mil in 2020, down 0.775% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020, up 4.20% when compared to the last year. Wustenrot Group accounted for 1.55%...
By Helgi Analytics - September 28, 2021
Wustenrot Group's customer deposits reached CZK 53,567 mil in 2020, down 3.44% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,162 bil in 2020, up 8.92% when compared to the last year. Wustenrot Group accounted for ...
By Helgi Analytics - September 28, 2021
Wustenrot Group's net interest margin amounted to 1.34% in 2020, down from 1.61% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 1.97% in 2010 and an all time low of 1.34% in 2007. The average marg...
By Helgi Analytics - March 24, 2021
Wustenrot Group generated total banking revenues of CZK 1,525 mil in 2018, up 3.06% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 190,399 mil in 2018, up 6.26% when compared to the last year. ...
By Helgi Analytics - September 28, 2021
Wustenrot Group's consumer loans reached CZK 2,721 mil in 2020, up 30.0% compared to the previous year. Czech banking sector provided consumer loans of CZK 423 bil in 2020, up 1.82% when compared to the last year. Wustenrot Group accounted for 3.01% of al...
By Helgi Analytics - September 28, 2021
Wustenrot Group's retail deposits reached CZK 53,552 mil in 2020, down 3.44% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,057 bil in 2020, up 12.2% when compared to the last year. Wustenrot Group accounted for 1.75...
By Helgi Analytics - September 28, 2021
Wustenrot Group's non-performing loans reached 2.18% of total loans at the end of 2020, down from 2.22% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.05% in 2018 and an all time low of 1.61% in 2008. Provision coverage...
By Helgi Analytics - September 28, 2021
Wustenrot Group's corporate deposits reached CZK 15.0 mil in 2020, down 6.25% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,218 bil in 2020, up 11.2% when compared to the last year. Wustenrot Group accounted for ...
By Helgi Analytics - September 28, 2021
Wustenrot Group's corporate loans reached CZK 833 mil in 2020, up 57.5% compared to the previous year. Czech banking sector provided corporate loans of CZK 1,123 bil in 2020, up 0.280% when compared to the last year. Wustenrot Group accounted for 0.074% o...
Wustenrot Group has been growing its revenues and asset by 3.73% and 3.60% a year on average in the last 10 years. Its loans and deposits have grown by 2.54% and 3.44% a year during that time and loans to deposits ratio reached 104% at the end of 2020. The company achieved an average return on equity of 8.55% in the last decade with net profit growing 5.79% a year on average. In terms of operating efficiency, its cost to income ratio reached 53.4% in 2020, compared to 55.7% average in the last decade.
Equity represented 6.95% of total assets or 9.16% of loans at the end of 2020. Wustenrot Group's non-performing loans were 2.18% of total loans while provisions covered some 47.8% of NPLs at the end of 2020.
Wustenrot Group stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 9.90% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.53x and price to book value (PBV) of 0.893x in 2020.
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