By Helgi Library - May 25, 2025
J&T Banka's customer deposits reached CZK 261,261 mil in 3Q2024, up 35.6% compared to the previous year. Czech banking sect...
By Helgi Library - May 25, 2025
J&T Banka's retail loans reached CZK 2,750 mil in the third quarter of 2024, up 10.0% compared to the previous year. Czech ...
By Helgi Library - May 25, 2025
J&T Banka's non-performing loans reached 2.57% of total loans at the end of 2025-03-31, down from 3.31% compared to the previ...
| Profit Statement | Sep 2024 | Dec 2024 | Mar 2025 | |
| Net Interest Income | CZK mil | 1,848 | 1,942 | 1,775 |
| Net Fee Income | CZK mil | 462 | 665 | 467 |
| Other Income | CZK mil | 193 | 284 | 479 |
| Total Revenues | CZK mil | 2,503 | 2,891 | 2,720 |
| Staff Cost | CZK mil | 424 | 400 | 443 |
| Operating Profit | CZK mil | 1,569 | 1,898 | 1,717 |
| Provisions | CZK mil | -4.76 | 622 | -68.0 |
| Net Profit | CZK mil | 1,213 | 1,194 | 1,552 |
| Balance Sheet | Sep 2024 | Dec 2024 | Mar 2025 | |
| Interbank Loans | CZK mil | 271 | 219 | 219 |
| Customer Loans | CZK mil | 108,955 | 109,351 | 113,740 |
| Investments | CZK mil | 37,638 | 55,946 | 44,372 |
| Total Assets | CZK mil | 351,252 | 314,884 | 287,234 |
| Shareholders' Equity | CZK mil | 39,850 | 39,555 | 40,890 |
| Interbank Borrowing | CZK mil | 6,756 | 6,763 | 6,263 |
| Customer Deposits | CZK mil | 261,261 | 227,136 | 201,179 |
| Issued Debt Securities | CZK mil | 3,544 | 7,968 | 5,935 |
| Ratios | Sep 2024 | Dec 2024 | Mar 2025 | |
| ROE | % | 12.7 | 12.0 | 15.4 |
| ROA | % | 1.60 | 1.43 | 2.06 |
| Costs (As % Of Assets) | % | 1.23 | 1.19 | 1.33 |
| Costs (As % Of Income) | % | 37.3 | 34.3 | 36.9 |
| Capital Adequacy Ratio | % | 24.4 | 22.9 | 22.9 |
| Net Interest Margin | % | 2.44 | 2.33 | 2.36 |
| Loans (As % Of Deposits) | % | 41.7 | 48.1 | 56.5 |
| NPLs (As % Of Loans) | % | 2.73 | 2.65 | 2.57 |
| Provisions (As % Of NPLs) | % | 92.7 | 94.0 | 93.3 |
| Growth Rates | Sep 2024 | Dec 2024 | Mar 2025 | |
| Total Revenue Growth | % | -16.5 | -18.9 | 4.61 |
| Operating Cost Growth | % | 9.62 | 0.656 | 7.47 |
| Operating Profit Growth | % | -26.9 | -26.4 | 3.01 |
| Net Profit Growth | % | -28.9 | -22.8 | 15.8 |
| Customer Loan Growth | % | 7.76 | 9.06 | 8.84 |
| Total Asset Growth | % | 28.3 | 8.79 | -13.7 |
| Customer Deposit Growth | % | 26.8 | 4.80 | -20.5 |
| Shareholders' Equity Growth | % | 4.28 | -0.340 | 0.560 |
| Employees | 724 | 730 | 754 | |
Get all company financials in excel:
| summary | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
| income statement | |||||||||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | 2,418 | 2,514 | 2,263 | 1,951 | 1,848 | ||||||||||||||||||||||||
| Total Revenues | CZK mil | ... | 2,998 | 3,565 | 2,600 | 4,037 | 2,503 | ||||||||||||||||||||||||
| Operating Profit | CZK mil | ... | 2,146 | 2,579 | 1,667 | 3,242 | 1,569 | ||||||||||||||||||||||||
| Net Profit | CZK mil | ... | 1,707 | 1,547 | 1,340 | 1,727 | 1,213 | ||||||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||||||
| Interbank Loans | CZK mil | 325 | 271 | 271 | 271 | 271 | |||||||||||||||||||||||||
| Customer Loans | CZK mil | 101,114 | 100,270 | 104,505 | 106,705 | 108,955 | |||||||||||||||||||||||||
| Investments | CZK mil | 18,064 | 29,477 | 24,189 | 19,114 | 37,638 | |||||||||||||||||||||||||
| Total Assets | CZK mil | 273,743 | 289,436 | 332,664 | 254,008 | 351,252 | |||||||||||||||||||||||||
| Shareholders' Equity | CZK mil | 38,213 | 39,690 | 40,662 | 36,686 | 39,850 | |||||||||||||||||||||||||
| Interbank Borrowing | CZK mil | 8,322 | 8,256 | 7,756 | 7,256 | 6,756 | |||||||||||||||||||||||||
| Customer Deposits | CZK mil | 206,075 | 216,733 | 252,957 | 192,676 | 261,261 | |||||||||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 3,547 | 4,543 | 3,422 | 3,460 | 3,544 | ||||||||||||||||||||||
| ratios | |||||||||||||||||||||||||||||||
| ROE | % | ... | 18.2 | 15.9 | 13.3 | 17.9 | 12.7 | ||||||||||||||||||||||||
| ROA | % | ... | 2.59 | 2.20 | 1.72 | 2.36 | 1.60 | ||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.29 | 1.40 | 1.20 | 1.08 | 1.23 | ||||||||||||||||||||||||
| Costs (As % Of Income) | % | ... | 28.4 | 27.7 | 35.9 | 19.7 | 37.3 | ||||||||||||||||||||||||
| Capital Adequacy Ratio | % | 25.2 | 24.8 | 24.5 | 22.9 | 24.4 | |||||||||||||||||||||||||
| Net Interest Margin | % | ... | 3.66 | 3.57 | 2.91 | 2.66 | 2.44 | ||||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 80.6 | 70.5 | 87.0 | 48.3 | 73.8 | ||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 9.12 | 12.0 | 15.6 | 8.46 | 18.5 | ||||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 48.1 | 35.2 | 46.2 | 47.2 | 45.3 | ||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 14.0 | 13.7 | 12.2 | 14.4 | 11.3 | |||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 49.1 | 46.3 | 41.3 | 55.4 | 41.7 | |||||||||||||||||||||||||
| Loans (As % Assets) | % | 36.9 | 34.6 | 31.4 | 42.0 | 31.0 | |||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | 3.90 | 3.68 | 3.31 | 3.01 | 2.73 | |||||||||||||||||||||||||
| Provisions (As % Of NPLs) | % | 76.7 | 78.4 | 82.5 | 87.2 | 92.7 | |||||||||||||||||||||||||
| valuation | |||||||||||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | 25.9 | 33.5 | 20.7 | -16.6 | -23.6 |
| income statement | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
| income statement | |||||||||||||||||||||||||||||||
| Interest Income | CZK mil | ... | 4,540 | 4,975 | 5,105 | 2,649 | 4,455 | ||||||||||||||||||||||||
| Interest Cost | CZK mil | ... | 2,123 | 2,461 | 2,843 | 698 | 2,607 | ||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | 2,418 | 2,514 | 2,263 | 1,951 | 1,848 | ||||||||||||||||||||||||
| Net Fee Income | CZK mil | ... | 274 | 430 | 405 | 341 | 462 | ||||||||||||||||||||||||
| Fee Income | CZK mil | ... | 344 | 516 | 477 | 415 | 561 | ||||||||||||||||||||||||
| Fee Expense | CZK mil | ... | 70.0 | 86.2 | 73.0 | 73.7 | 98.9 | ||||||||||||||||||||||||
| Other Income | CZK mil | ... | 307 | 622 | -67.0 | 1,744 | 193 | ||||||||||||||||||||||||
| Total Revenues | CZK mil | ... | 2,998 | 3,565 | 2,600 | 4,037 | 2,503 | ||||||||||||||||||||||||
| Staff Cost | CZK mil | ... | 410 | 347 | 431 | 375 | 424 | ||||||||||||||||||||||||
| Depreciation | CZK mil | ... | 57.8 | 39.9 | 38.9 | 74.3 | 39.5 | ||||||||||||||||||||||||
| Other Cost | CZK mil | ... | 384 | 599 | 463 | 345 | 471 | ||||||||||||||||||||||||
| Operating Cost | CZK mil | ... | 852 | 986 | 933 | 794 | 934 | ||||||||||||||||||||||||
| Operating Profit | CZK mil | ... | 2,146 | 2,579 | 1,667 | 3,242 | 1,569 | ||||||||||||||||||||||||
| Provisions | CZK mil | ... | -12.9 | 817 | -106 | 366 | -4.76 | ||||||||||||||||||||||||
| Extra and Other Cost | CZK mil | ... | 0 | 0 | -0.128 | 741 | 0 | ||||||||||||||||||||||||
| Pre-Tax Profit | CZK mil | ... | 2,159 | 1,762 | 1,773 | 2,135 | 1,574 | ||||||||||||||||||||||||
| Tax | CZK mil | ... | 452 | 215 | 433 | 408 | 361 | ||||||||||||||||||||||||
| Minorities | CZK mil | ... | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||||||||||
| Net Profit | CZK mil | ... | 1,707 | 1,547 | 1,340 | 1,727 | 1,213 | ||||||||||||||||||||||||
| Net Profit Avail. to Common | CZK mil | ... | 1,707 | 1,547 | 1,340 | 1,727 | 1,213 | ||||||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | ... | 25.9 | 33.5 | 20.7 | -16.6 | -23.6 | ||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | -22.7 | -3.27 | 14.9 | -13.3 | 68.9 | ||||||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | ... | -18.2 | 7.88 | -5.04 | 3.54 | -16.5 | ||||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | ... | 20.8 | 49.2 | 10.5 | -10.0 | 9.62 | ||||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | ... | -27.5 | -2.44 | -12.0 | 7.51 | -26.9 | ||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | ... | -24.0 | 156 | 10.4 | -7.25 | -27.1 | ||||||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | ... | -25.1 | 332 | 15.4 | -9.39 | -28.9 | ||||||||||||||||||||
| market share | |||||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | 5.25 | 6.05 | 4.32 | 6.21 | 4.17 | ... | ... | ||||||||||||||||||||||
| Market Share in Net Profit | % | ... | 6.55 | 7.33 | 5.18 | 5.07 | 3.91 | ... | |||||||||||||||||||||||
| Market Share in Employees | % | ... | ... | ... | 1.73 | 1.79 | 1.80 | 1.84 | 1.87 | ... | ... | ||||||||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | 0.481 | 0.484 | 0.487 | 0.493 | 0.498 | ... | ... |
| balance sheet | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
| balance sheet | |||||||||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 124,177 | 139,968 | 181,175 | 98,642 | 183,495 | |||||||||||||||||||||||||
| Interbank Loans | CZK mil | 325 | 271 | 271 | 271 | 271 | |||||||||||||||||||||||||
| Customer Loans | CZK mil | 101,114 | 100,270 | 104,505 | 106,705 | 108,955 | |||||||||||||||||||||||||
| Retail Loans | CZK mil | 2,100 | 2,196 | 2,300 | 2,500 | 2,750 | |||||||||||||||||||||||||
| Corporate Loans | CZK mil | 58,195 | 57,851 | 59,000 | 61,000 | 63,000 | |||||||||||||||||||||||||
| Investments | CZK mil | 18,064 | 29,477 | 24,189 | 19,114 | 37,638 | |||||||||||||||||||||||||
| Property and Equipment | CZK mil | 1,372 | 1,451 | 1,430 | 1,499 | 1,352 | |||||||||||||||||||||||||
| Intangible Assets | CZK mil | ... | 81.9 | 88.0 | 3.04 | 2.60 | 2.48 | ||||||||||||||||||||||||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | ... | ... | ... | |||||||
| Total Assets | CZK mil | 273,743 | 289,436 | 332,664 | 254,008 | 351,252 | |||||||||||||||||||||||||
| Shareholders' Equity | CZK mil | 38,213 | 39,690 | 40,662 | 36,686 | 39,850 | |||||||||||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||||||
| Liabilities | CZK mil | 235,530 | 249,746 | 292,003 | 217,322 | 311,402 | |||||||||||||||||||||||||
| Interbank Borrowing | CZK mil | 8,322 | 8,256 | 7,756 | 7,256 | 6,756 | |||||||||||||||||||||||||
| Customer Deposits | CZK mil | 206,075 | 216,733 | 252,957 | 192,676 | 261,261 | |||||||||||||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 43,345 | ... | ... | ... | ... | ... | |||||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 173,388 | ... | ... | ... | ... | ... | |||||
| Issued Debt Securities | CZK mil | ... | ... | ... | 3,547 | 4,543 | 3,422 | 3,460 | 3,544 | ||||||||||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,256 | ... | ... | ... | ... | ||||||
| Other Liabilities | CZK mil | ... | ... | ... | 17,587 | 20,214 | 27,867 | 13,930 | 39,842 | ||||||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | 4,066 | 3,804 | 3,554 | 3,304 | 3,054 | |||||||||||||||||||||||||
| Gross Loans | CZK mil | 104,231 | 103,252 | 107,437 | 109,587 | 111,787 | |||||||||||||||||||||||||
| Risk-Weighted Assets | CZK mil | 143,539 | 147,540 | 153,772 | 157,187 | 160,501 | |||||||||||||||||||||||||
| Total Provisions | CZK mil | 3,118 | 2,982 | 2,932 | 2,882 | 2,832 | |||||||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 1.32 | -3.26 | 4.61 | 5.87 | 7.76 | |||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | 5.40 | 21.3 | 10.8 | 20.6 | 31.0 | |||||||||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | -1.28 | -2.32 | 0.744 | 4.48 | 8.26 | |||||||||||||||||||||
| Total Asset Growth | % | ... | ... | ... | ... | 13.5 | 31.5 | 32.0 | 0 | 28.3 | |||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 28.8 | 13.2 | 13.5 | 0 | 4.28 | |||||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | 15.3 | 35.8 | 32.8 | 0.444 | 26.8 | |||||||||||||||||||||
| market share | |||||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | 2.36 | 2.30 | 2.36 | 2.39 | 2.41 | ... | ||||||||||||||||||||||||
| Market Share in Corporate Loans | % | 4.34 | 4.26 | 4.24 | 4.37 | 4.40 | ... | ||||||||||||||||||||||||
| Market Share in Retail Loans | % | 0.095 | 0.098 | 0.102 | 0.109 | 0.118 | ... | ||||||||||||||||||||||||
| Market Share in Total Assets | % | 2.70 | 2.93 | 3.16 | 2.39 | 3.23 | ... | ... | |||||||||||||||||||||||
| Market Share in Customer Deposits | % | 2.97 | 3.23 | 3.52 | 2.65 | 3.53 | ... |
| ratios | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
| ROE | % | ... | 18.2 | 15.9 | 13.3 | 17.9 | 12.7 | ||||||||||||||||||||||||
| ROTE | % | ... | ... | 14.2 | 16.9 | 16.8 | 16.3 | 14.9 | |||||||||||||||||||||||
| ROE (@ 15% of RWA) | % | ... | 23.8 | 29.3 | 29.5 | 28.0 | 25.1 | ||||||||||||||||||||||||
| ROA | % | ... | 2.59 | 2.20 | 1.72 | 2.36 | 1.60 | ||||||||||||||||||||||||
| Return on Loans | % | ... | 5.08 | 6.28 | 6.35 | 5.99 | 5.40 | ||||||||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | 6.74 | 6.69 | 6.40 | 6.40 | 5.85 | ||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.29 | 1.40 | 1.20 | 1.08 | 1.23 | ||||||||||||||||||||||||
| Costs (As % Of Income) | % | ... | 28.4 | 27.7 | 35.9 | 19.7 | 37.3 | ||||||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 3.38 | 3.92 | 3.65 | 3.01 | 3.46 | ||||||||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.11 | 1.24 | 1.04 | 1.06 | 1.01 | ||||||||||||||||||||||||
| Capital Adequacy Ratio | % | 25.2 | 24.8 | 24.5 | 22.9 | 24.4 | |||||||||||||||||||||||||
| Tier 1 Ratio | % | 25.0 | 24.1 | 23.7 | 21.9 | 23.4 | |||||||||||||||||||||||||
| Net Interest Margin | % | ... | 3.66 | 3.57 | 2.91 | 2.66 | 2.44 | ||||||||||||||||||||||||
| Interest Spread | % | ... | 3.13 | 3.01 | 2.37 | 2.52 | 1.94 | ||||||||||||||||||||||||
| Asset Yield | % | ... | 6.88 | 7.07 | 6.57 | 3.61 | 5.89 | ||||||||||||||||||||||||
| Revenues (As % of RWA) | % | ... | 8.37 | 9.80 | 6.90 | 10.4 | 6.30 | ||||||||||||||||||||||||
| Cost Of Liabilities | % | ... | 3.75 | 4.06 | 4.20 | 1.10 | 3.94 | ||||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 80.6 | 70.5 | 87.0 | 48.3 | 73.8 | ||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 9.12 | 12.0 | 15.6 | 8.46 | 18.5 | ||||||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | 10.2 | 17.4 | -2.58 | 43.2 | 7.72 | ||||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 48.1 | 35.2 | 46.2 | 47.2 | 45.3 | ||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 14.0 | 13.7 | 12.2 | 14.4 | 11.3 | |||||||||||||||||||||||||
| Equity (As % Of Loans) | % | 37.8 | 39.6 | 38.9 | 34.4 | 36.6 | |||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 49.1 | 46.3 | 41.3 | 55.4 | 41.7 | |||||||||||||||||||||||||
| Loans (As % Assets) | % | 36.9 | 34.6 | 31.4 | 42.0 | 31.0 | |||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | 3.90 | 3.68 | 3.31 | 3.01 | 2.73 | |||||||||||||||||||||||||
| Provisions (As % Of NPLs) | % | 76.7 | 78.4 | 82.5 | 87.2 | 92.7 | |||||||||||||||||||||||||
| Provisions (As % Of Loans) | % | 3.08 | 2.97 | 2.81 | 2.70 | 2.60 | |||||||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | -0.051 | 3.24 | -0.415 | 1.39 | -0.018 |
| other data | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
| Branches | ... | ... | ... | ... | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | ||||||||||||||||||||||
| Employees | ... | ... | ... | 676 | 698 | 695 | 709 | 724 | |||||||||||||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | 96.6 | 99.7 | 99.2 | 101 | 103 | ||||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | 9,032 | 7,319 | 9,042 | 7,535 | 8,503 | |||||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | 202,308 | 165,933 | 207,007 | 176,318 | 195,073 |
| customer breakdown | Unit | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
| Customers | mil | ... | ... | ... | 0.115 | 0.122 | 0.124 | 0.127 | 0.129 | ||||||||||||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 112,374 | 108,451 | 105,157 | 104,172 | 98,324 | ||||||||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 44,572 | 51,933 | 52,329 | 49,884 | 45,097 | ||||||||||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | 878,129 | 823,816 | 841,330 | 842,093 | 843,214 | ||||||||||||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | 1,789,680 | 1,780,674 | 2,036,460 | 1,520,555 | 2,021,925 | ||||||||||||||||||||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | 5,017 | 4,784 | 4,593 | 4,452 | 4,286 | ||||||||||||||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | 1,990 | 2,291 | 2,286 | 2,132 | 1,966 | ||||||||||||||||||||
| Loan per Customer | USD | ... | ... | ... | 38,234 | 36,817 | 35,934 | 36,008 | 37,484 | ||||||||||||||||||||||
| Deposit per Customer | USD | ... | ... | ... | 77,924 | 79,580 | 86,980 | 65,020 | 89,883 |
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By Helgi Library - May 25, 2025
J&T Banka made a net profit of CZK 1,552 mil under revenues of CZK 2,720 mil in the first quarter of 2025, up 15.8% and 4.61% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 2,27...
By Helgi Library - May 25, 2025
J&T Banka made a net profit of CZK 1,552 mil in the first quarter of 2025, up 15.8% when compared to the same period of last year. This implies a return on equity of 15.4%. Historically, the bank’s net profit reached an all time high of CZK 2,277 mil in 3Q202...
By Helgi Library - May 25, 2025
J&T Banka's customer loans reached CZK 108,955 mil in 2024-09-30, up 2.11% compared to the previous year. Czech banking sector provided customer loans of CZK 4,524 bil in 2024-09-30, up 1.44% when compared to the last year. J&T Banka accounted for...
By Helgi Library - May 25, 2025
J&T Banka employed 754 persons in 2025-03-31, up 3.39% when compared to the previous year. Historically, the bank's workforce hit an all time high of 754 persons in 2025-03-31 and an all time low of 485 in 2018-12-31. Average cost reached USD 8,280 per month ...
By Helgi Library - May 25, 2025
J&T Banka's capital adequacy ratio reached 22.9% at the end of first quarter of 2025, down from 22.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 25.2% in 3Q2023 and an all time low of 15.6% in 1Q2018. ...
By Helgi Library - May 25, 2025
J&T Banka generated total banking revenues of CZK 2,503 mil in 2024-09-30, down 38.0% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when compared to the last...
By Helgi Library - May 25, 2025
J&T Banka's net interest margin amounted to 2.36% in the first quarter of 2025, up from 2.33% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.25% in 4Q2018 and an all time low of 1.70...
By Helgi Library - May 25, 2025
J&T Banka's cost to income ratio reached 36.9% in the first quarter of 2025, up from 34.3% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 65.3% of income in 1Q2020 and an all time low of 19.2% in 3Q2022....
By Helgi Library - May 25, 2025
J&T Banka generated total banking revenues of CZK 2,720 mil in the first quarter of 2025, up 4.61% when compared to the same period of last year and down 5.9% when compared to the previous quarter. Historically, the bank’s revenues containing ...
By Helgi Library - May 25, 2025
J&T Banka's Equity reached 14.2% of total assets in the 1Q2025, up from 12.2% for the previous year. As a share of net customer loans, the ratio amounted to 35.9% at the end of the first quarter of 2025. ...
J&T Banka is a Czech Republic-based bank, It is a subsidiary of J&T Group, which provides investment, corporate, and retail banking services in the Czech Republic, Slovakia, and Russia. The Bank offers bank deposits, investments and advisory services comprising portfolio management, asset structuring, and concierge services. The Bank also provides financing products, which include loan financing, securities financing, and current accounts; and other banking services, such as payment cards. J&T Group is an investment group founded in 1993 in Slovakia. J&T invests mainly into the financial services, energy sector, real estate, health care, media and sports. The name of the company is derived from the family names of its two founders Ivan Jakabovič and Patrik Tkáč
J&T Banka has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2024. J&T Banka's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.
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