By Helgi Library - May 22, 2025
Partners Banka's capital adequacy ratio reached 172% at the end of first quarter of 2025, down from 183% when compared to the pre...
By Helgi Library - May 22, 2025
Partners Banka employed 80.6 persons in 2025-03-31, up 24.0% when compared to the previous year. Historically, the bank's workfo...
By Helgi Library - May 22, 2025
Partners Banka made a net profit of CZK -80.4 mil under revenues of CZK 29.1 mil in the first quarter of 2025, down 166% and ...
| Profit Statement | 2022 | 2023 | 2024 | |
| Net Interest Income | CZK mil | 67.7 | 144 | 158 |
| Net Fee Income | CZK mil | -0.045 | -0.277 | -42.9 |
| Other Income | CZK mil | 0.109 | 1.41 | 11.2 |
| Total Revenues | CZK mil | 67.7 | 146 | 127 |
| Staff Cost | CZK mil | 8.55 | 40.8 | 122 |
| Operating Profit | CZK mil | 32.3 | 27.1 | -349 |
| Provisions | CZK mil | 0 | 0.197 | 4.65 |
| Net Profit | CZK mil | 26.2 | 26.2 | -355 |
| Balance Sheet | 2022 | 2023 | 2024 | |
| Interbank Loans | CZK mil | 1,434 | 1,399 | 34,894 |
| Customer Loans | CZK mil | 0 | 0 | 90.4 |
| Investments | CZK mil | 120 | 1,102 | 1,461 |
| Total Assets | CZK mil | 3,039 | 3,129 | 38,724 |
| Shareholders' Equity | CZK mil | 3,025 | 3,073 | 2,798 |
| Interbank Borrowing | CZK mil | 0 | 0 | 0 |
| Customer Deposits | CZK mil | 0 | 12.8 | 35,831 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2022 | 2023 | 2024 | |
| ROE | % | ... | 0.860 | -12.1 |
| ROA | % | ... | 0.850 | -1.70 |
| Costs (As % Of Assets) | % | ... | 3.84 | 2.27 |
| Costs (As % Of Income) | % | 52.4 | 81.4 | 376 |
| Capital Adequacy Ratio | % | ... | 236 | 183 |
| Net Interest Margin | % | ... | 4.68 | 0.756 |
| Loans (As % Of Deposits) | % | ... | 0 | 0.252 |
| NPLs (As % Of Loans) | % | ... | ... | 2.93 |
| Provisions (As % Of NPLs) | % | ... | ... | 166 |
| Growth Rates | 2022 | 2023 | 2024 | |
| Total Revenue Growth | % | ... | 115 | -13.0 |
| Operating Cost Growth | % | ... | 234 | 302 |
| Operating Profit Growth | % | ... | -16.1 | -1,391 |
| Net Profit Growth | % | ... | -0.118 | -1,453 |
| Total Asset Growth | % | ... | 2.95 | 1,138 |
| Customer Deposit Growth | % | ... | ... | 279,000 |
| Shareholders' Equity Growth | % | ... | 1.57 | -8.95 |
| Employees | ... | 17.0 | 65.0 | |
Get all company financials in excel:
| summary | Unit | 2022 | 2023 | 2024 |
| income statement | ||||
| Net Interest Income | CZK mil | 67.7 | ||
| Total Revenues | CZK mil | 67.7 | ||
| Operating Profit | CZK mil | 32.3 | ||
| Net Profit | CZK mil | 26.2 | ||
| balance sheet | ||||
| Interbank Loans | CZK mil | 1,434 | ||
| Customer Loans | CZK mil | 0 | ||
| Investments | CZK mil | 120 | ||
| Total Assets | CZK mil | 3,039 | ||
| Shareholders' Equity | CZK mil | 3,025 | ||
| Interbank Borrowing | CZK mil | 0 | ||
| Customer Deposits | CZK mil | 0 | ||
| Issued Debt Securities | CZK mil | 0 | ||
| ratios | ||||
| ROE | % | ... | ||
| ROA | % | ... | ||
| Costs (As % Of Assets) | % | ... | ||
| Costs (As % Of Income) | % | 52.4 | ||
| Capital Adequacy Ratio | % | ... | ||
| Net Interest Margin | % | ... | ||
| Interest Income (As % Of Revenues) | % | 99.9 | ||
| Fee Income (As % Of Revenues) | % | -0.066 | ||
| Staff Cost (As % Of Total Cost) | % | 24.1 | ||
| Equity (As % Of Assets) | % | 99.5 | ||
| Loans (As % Of Deposits) | % | ... | ||
| Loans (As % Assets) | % | 0 | ||
| NPLs (As % Of Loans) | % | ... | ... | |
| Provisions (As % Of NPLs) | % | ... | ... | |
| valuation | ||||
| Book Value Per Share Growth | % | ... |
| income statement | Unit | 2022 | 2023 | 2024 |
| income statement | ||||
| Interest Income | CZK mil | 68.0 | ||
| Interest Cost | CZK mil | 0.345 | ||
| Net Interest Income | CZK mil | 67.7 | ||
| Net Fee Income | CZK mil | -0.045 | ||
| Fee Income | CZK mil | 0 | ||
| Fee Expense | CZK mil | 0.045 | ||
| Other Income | CZK mil | 0.109 | ||
| Total Revenues | CZK mil | 67.7 | ||
| Staff Cost | CZK mil | 8.55 | ||
| Depreciation | CZK mil | 0 | ||
| Other Cost | CZK mil | 26.9 | ||
| Operating Cost | CZK mil | 35.5 | ||
| Operating Profit | CZK mil | 32.3 | ||
| Provisions | CZK mil | 0 | ||
| Extra and Other Cost | CZK mil | 0 | ||
| Pre-Tax Profit | CZK mil | 32.3 | ||
| Tax | CZK mil | 6.01 | ||
| Minorities | CZK mil | 0 | ||
| Net Profit | CZK mil | 26.2 | ||
| Net Profit Avail. to Common | CZK mil | 26.2 | ||
| growth rates | ||||
| Net Interest Income Growth | % | ... | ||
| Net Fee Income Growth | % | ... | ||
| Total Revenue Growth | % | ... | ||
| Operating Cost Growth | % | ... | ||
| Operating Profit Growth | % | ... | ||
| Pre-Tax Profit Growth | % | ... | ||
| Net Profit Growth | % | ... |
| balance sheet | Unit | 2022 | 2023 | 2024 |
| balance sheet | ||||
| Cash & Cash Equivalents | CZK mil | 0 | ||
| Interbank Loans | CZK mil | 1,434 | ||
| Customer Loans | CZK mil | 0 | ||
| Retail Loans | CZK mil | 0 | ||
| Mortgage Loans | CZK mil | 0 | ||
| Consumer Loans | CZK mil | 0 | ||
| Corporate Loans | CZK mil | 0 | ||
| Investments | CZK mil | 120 | ||
| Property and Equipment | CZK mil | 0 | ||
| Intangible Assets | CZK mil | 10.4 | ||
| Goodwill | CZK mil | 0 | ||
| Total Assets | CZK mil | 3,039 | ||
| Shareholders' Equity | CZK mil | 3,025 | ||
| Of Which Minority Interest | CZK mil | 0 | ||
| Liabilities | CZK mil | 13.8 | ||
| Interbank Borrowing | CZK mil | 0 | ||
| Customer Deposits | CZK mil | 0 | ||
| Sight Deposits | CZK mil | 0 | ||
| Term Deposits | CZK mil | 0 | ||
| Issued Debt Securities | CZK mil | 0 | ||
| Other Liabilities | CZK mil | 13.8 | ||
| asset quality | ||||
| Non-Performing Loans | CZK mil | ... | ... | |
| Gross Loans | CZK mil | ... | ... | |
| Risk-Weighted Assets | CZK mil | ... | ||
| Total Provisions | CZK mil | ... | ... | |
| growth rates | ||||
| Total Asset Growth | % | ... | ||
| Shareholders' Equity Growth | % | ... | ||
| Customer Deposit Growth | % | ... | ... |
| ratios | Unit | 2022 | 2023 | 2024 |
| ROE | % | ... | ||
| ROTE | % | ... | ||
| ROE (@ 15% of RWA) | % | ... | ... | |
| ROA | % | ... | ||
| Return on Loans | % | ... | ... | |
| Operating Profit (As % of RWA) | % | ... | ... | |
| Costs (As % Of Assets) | % | ... | ||
| Costs (As % Of Income) | % | 52.4 | ||
| Costs (As % Of Loans) | % | ... | ... | |
| Costs (As % Of Loans & Deposits) | % | ... | ||
| Capital Adequacy Ratio | % | ... | ||
| Tier 1 Ratio | % | ... | ||
| Net Interest Margin | % | ... | ||
| Interest Spread | % | ... | ||
| Asset Yield | % | ... | ||
| Revenues (As % of RWA) | % | ... | ... | |
| Cost Of Liabilities | % | ... | ||
| Interest Income (As % Of Revenues) | % | 99.9 | ||
| Fee Income (As % Of Revenues) | % | -0.066 | ||
| Other Income (As % Of Revenues) | % | 0.161 | ||
| Staff Cost (As % Of Total Cost) | % | 24.1 | ||
| Equity (As % Of Assets) | % | 99.5 | ||
| Equity (As % Of Loans) | % | ... | ... | |
| Loans (As % Of Deposits) | % | ... | ||
| Loans (As % Assets) | % | 0 | ||
| NPLs (As % Of Loans) | % | ... | ... | |
| Provisions (As % Of NPLs) | % | ... | ... | |
| Provisions (As % Of Loans) | % | ... | ... | |
| Cost of Provisions (As % Of Loans) | % | ... | ... |
| other data | Unit | 2022 | 2023 | 2024 |
| Branches | ... | |||
| Employees | ... | |||
| Employees Per Bank Branch | ... | |||
| Cost Per Employee | USD per month | ... | ||
| Cost Per Employee (Local Currency) | CZK per month | ... |
| customer breakdown | Unit | 2022 | 2023 | 2024 |
| Customers | mil | ... | ||
| Revenue per Customer (Local Currency) | CZK | ... | ... | |
| Net Profit per Customer (Local Currency) | CZK | ... | ... | |
| Loan per Customer (Local Currency) | CZK | ... | ... | |
| Deposit per Customer (Local Currency) | CZK | ... | ... | |
| Revenue per Customer | USD | ... | ... | |
| Net Profit per Customer | USD | ... | ... | |
| Loan per Customer | USD | ... | ... | |
| Deposit per Customer | USD | ... | ... |
Get all company financials in excel:
By Helgi Library - May 22, 2025
Partners Banka's net interest margin amounted to 0.446% in the first quarter of 2025, down from 0.508% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.17% in 1Q2024 and an all time low of ...
By Helgi Library - May 22, 2025
Partners Banka's cost to income ratio reached 447% in the first quarter of 2025, up from 444% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 507% of income in 2Q2024 and an all time low of 226% in 1Q2024. ...
Partners 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. Partners Banka's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.
Helgi Library 
