By Helgi Library - May 23, 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 23, 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 23, 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 | Dec 2024 | Mar 2025 | Jun 2025 | |
| Net Interest Income | CZK mil | 44.4 | 47.8 | 59.3 |
| Net Fee Income | CZK mil | -17.6 | -18.4 | -16.0 |
| Other Income | CZK mil | 3.93 | -0.357 | 0.290 |
| Total Revenues | CZK mil | 30.7 | 29.1 | 43.6 |
| Staff Cost | CZK mil | 39.5 | 36.6 | 39.4 |
| Operating Profit | CZK mil | -106 | -101 | -87.5 |
| Provisions | CZK mil | 1.55 | 4.51 | 10.5 |
| Net Profit | CZK mil | -81.9 | -80.4 | -74.3 |
| Balance Sheet | Dec 2024 | Mar 2025 | Jun 2025 | |
| Interbank Loans | CZK mil | 34,978 | 41,795 | 45,777 |
| Customer Loans | CZK mil | 90.4 | 300 | 1,192 |
| Investments | CZK mil | 1,461 | 1,582 | 1,578 |
| Total Assets | CZK mil | 38,724 | 47,164 | 49,385 |
| Shareholders' Equity | CZK mil | 2,798 | 2,719 | 2,644 |
| Interbank Borrowing | CZK mil | 0 | 0 | 0 |
| Customer Deposits | CZK mil | 35,831 | 44,219 | 46,485 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | Dec 2024 | Mar 2025 | Jun 2025 | |
| ROE | % | -11.5 | -11.7 | -11.1 |
| ROA | % | -0.935 | -0.749 | -0.616 |
| Costs (As % Of Assets) | % | 1.56 | 1.21 | 1.09 |
| Costs (As % Of Income) | % | 444 | 447 | 300 |
| Capital Adequacy Ratio | % | 183 | 107 | 52.3 |
| Net Interest Margin | % | 0.508 | 0.446 | 0.492 |
| Loans (As % Of Deposits) | % | 0.252 | 0.678 | 2.56 |
| NPLs (As % Of Loans) | % | 2.93 | 1.64 | 0.855 |
| Provisions (As % Of NPLs) | % | 166 | 137 | 118 |
| Growth Rates | Dec 2024 | Mar 2025 | Jun 2025 | |
| Total Revenue Growth | % | -78.9 | -11.1 | 62.4 |
| Operating Cost Growth | % | 15.2 | 76.1 | -3.72 |
| Operating Profit Growth | % | -490 | 145 | -20.0 |
| Net Profit Growth | % | -412 | 166 | -10.9 |
| Total Asset Growth | % | 1,138 | 741 | 109 |
| Customer Deposit Growth | % | 279,013 | 1,657 | 126 |
| Shareholders' Equity Growth | % | -8.95 | -10.5 | -10.4 |
| Employees | 65.0 | 80.6 | 90.8 | |
Get all company financials in excel:
| summary | Unit | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| income statement | ||||||||
| Net Interest Income | CZK mil | 144 | 34.7 | 34.8 | 44.3 | 44.4 | ||
| Total Revenues | CZK mil | 146 | 32.8 | 26.9 | 36.2 | 30.7 | ||
| Operating Profit | CZK mil | 27.1 | -41.2 | -109 | -93.9 | -106 | ||
| Net Profit | CZK mil | 26.2 | -30.3 | -83.4 | -73.4 | -81.9 | ||
| balance sheet | ||||||||
| Interbank Loans | CZK mil | 1,387 | 3,695 | 20,908 | 28,484 | 34,978 | ||
| Customer Loans | CZK mil | 0 | 0 | 0 | 47.0 | 90.4 | ||
| Investments | CZK mil | 1,102 | 1,196 | 1,461 | 1,485 | 1,461 | ||
| Total Assets | CZK mil | 3,129 | 5,608 | 23,657 | 31,308 | 38,724 | ||
| Shareholders' Equity | CZK mil | 3,073 | 3,038 | 2,951 | 2,894 | 2,798 | ||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Customer Deposits | CZK mil | 12.8 | 2,517 | 20,581 | 28,298 | 35,831 | ||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| ratios | ||||||||
| ROE | % | ... | -3.97 | -11.1 | -10.0 | -11.5 | ||
| ROA | % | ... | -2.77 | -2.28 | -1.07 | -0.935 | ||
| Costs (As % Of Assets) | % | ... | 6.77 | 3.72 | 1.89 | 1.56 | ||
| Costs (As % Of Income) | % | 81.4 | 226 | 507 | 359 | 444 | ||
| Capital Adequacy Ratio | % | 236 | 225 | 211 | 198 | 183 | ||
| Net Interest Margin | % | ... | 3.17 | 0.952 | 0.645 | 0.508 | ||
| Interest Income (As % Of Revenues) | % | 99.2 | 106 | 130 | 122 | 145 | ||
| Fee Income (As % Of Revenues) | % | -0.227 | -9.48 | -37.1 | -33.7 | -57.3 | ||
| Staff Cost (As % Of Total Cost) | % | 34.4 | 31.8 | 21.6 | 23.4 | 29.0 | ||
| Equity (As % Of Assets) | % | 98.2 | 54.2 | 12.5 | 9.24 | 7.22 | ||
| Loans (As % Of Deposits) | % | 0 | 0 | 0 | 0.166 | 0.252 | ||
| Loans (As % Assets) | % | 0 | 0 | 0 | 0.150 | 0.234 | ||
| NPLs (As % Of Loans) | % | ... | ... | ... | 3.12 | 2.93 | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 192 | 166 |
| income statement | Unit | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| income statement | ||||||||
| Interest Income | CZK mil | 151 | 42.4 | 219 | 325 | 368 | ||
| Interest Cost | CZK mil | 6.32 | 7.69 | 184 | 280 | 324 | ||
| Net Interest Income | CZK mil | 144 | 34.7 | 34.8 | 44.3 | 44.4 | ||
| Net Fee Income | CZK mil | -0.331 | -3.11 | -9.96 | -12.2 | -17.6 | ||
| Fee Income | CZK mil | 0.006 | 0.152 | 1.72 | 3.60 | 5.28 | ||
| Fee Expense | CZK mil | 0.337 | 3.26 | 11.7 | 15.8 | 22.9 | ||
| Other Income | CZK mil | 1.48 | 1.19 | 2.02 | 4.13 | 3.93 | ||
| Total Revenues | CZK mil | 146 | 32.8 | 26.9 | 36.2 | 30.7 | ||
| Staff Cost | CZK mil | 40.8 | 23.5 | 29.4 | 30.4 | 39.5 | ||
| Depreciation | CZK mil | 0.783 | 1.45 | 1.55 | 1.65 | 1.80 | ||
| Other Cost | CZK mil | 76.9 | 49.0 | 105 | 98.1 | 95.1 | ||
| Operating Cost | CZK mil | 118 | 73.9 | 136 | 130 | 136 | ||
| Operating Profit | CZK mil | 27.1 | -41.2 | -109 | -93.9 | -106 | ||
| Provisions | CZK mil | 0.262 | 0.110 | -0.091 | 3.12 | 1.55 | ||
| Extra and Other Cost | CZK mil | 0.597 | -11.0 | 11.0 | < 0.001 | < -0.001 | ||
| Pre-Tax Profit | CZK mil | 26.2 | -30.3 | -120 | -97.0 | -107 | ||
| Tax | CZK mil | 0.597 | -11.0 | -25.8 | -23.7 | -25.4 | ||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Net Profit | CZK mil | 26.2 | -30.3 | -83.4 | -73.4 | -81.9 | ||
| Net Profit Avail. to Common | CZK mil | 26.2 | -30.3 | -83.4 | -73.4 | -81.9 | ||
| growth rates | ||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | -69.2 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | 5,226 | ||
| Total Revenue Growth | % | ... | ... | ... | ... | -78.9 | ||
| Operating Cost Growth | % | ... | ... | ... | ... | 15.2 | ||
| Operating Profit Growth | % | ... | ... | ... | ... | -490 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | -509 | ||
| Net Profit Growth | % | ... | ... | ... | ... | -412 |
| balance sheet | Unit | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| balance sheet | ||||||||
| Cash & Cash Equivalents | CZK mil | 29.6 | 17.8 | 454 | 508 | 1,373 | ||
| Interbank Loans | CZK mil | 1,387 | 3,695 | 20,908 | 28,484 | 34,978 | ||
| Customer Loans | CZK mil | 0 | 0 | 0 | 47.0 | 90.4 | ||
| Retail Loans | CZK mil | 0 | 0 | 0 | 50.0 | 93.7 | ||
| Mortgage Loans | CZK mil | 0 | 0 | 0 | 0 | 0.717 | ||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 50.0 | 93.0 | ||
| Corporate Loans | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Investments | CZK mil | 1,102 | 1,196 | 1,461 | 1,485 | 1,461 | ||
| Property and Equipment | CZK mil | 7.18 | 6.83 | 7.34 | 6.40 | 5.96 | ||
| Intangible Assets | CZK mil | 17.3 | 18.3 | 18.4 | 17.9 | 17.7 | ||
| Total Assets | CZK mil | 3,129 | 5,608 | 23,657 | 31,308 | 38,724 | ||
| Shareholders' Equity | CZK mil | 3,073 | 3,038 | 2,951 | 2,894 | 2,798 | ||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Liabilities | CZK mil | 56.1 | 2,570 | 20,706 | 28,414 | 35,926 | ||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Customer Deposits | CZK mil | 12.8 | 2,517 | 20,581 | 28,298 | 35,831 | ||
| Retail Deposits | CZK mil | 12.8 | 2,517 | 20,581 | 28,298 | 35,831 | ||
| Corporate Deposits | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||
| Other Liabilities | CZK mil | 43.3 | 53.1 | 125 | 116 | 95.3 | ||
| asset quality | ||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | 1.56 | 2.79 | ||
| Gross Loans | CZK mil | ... | ... | ... | 50.0 | 95.1 | ||
| Risk-Weighted Assets | CZK mil | 1,290 | 1,340 | 1,390 | 1,440 | 1,482 | ||
| Total Provisions | CZK mil | ... | ... | ... | 3.00 | 4.63 | ||
| growth rates | ||||||||
| Total Asset Growth | % | ... | ... | ... | ... | 1,138 | ||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | -8.95 | ||
| Customer Deposit Growth | % | ... | ... | ... | ... | 279,013 | ||
| Retail Deposit Growth | % | ... | ... | ... | ... | 279,013 |
| ratios | Unit | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| ROE | % | ... | -3.97 | -11.1 | -10.0 | -11.5 | ||
| ROTE | % | ... | ... | ... | -5.42 | -9.27 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | -78.6 | -127 | ||
| ROA | % | ... | -2.77 | -2.28 | -1.07 | -0.935 | ||
| Return on Loans | % | ... | ... | ... | -685 | -391 | ||
| Operating Profit (As % of RWA) | % | ... | ... | ... | -15.9 | -24.8 | ||
| Costs (As % Of Assets) | % | ... | 6.77 | 3.72 | 1.89 | 1.56 | ||
| Costs (As % Of Income) | % | 81.4 | 226 | 507 | 359 | 444 | ||
| Costs (As % Of Loans) | % | ... | ... | ... | 2,215 | 794 | ||
| Costs (As % Of Loans & Deposits) | % | 3,691 | 11.8 | 2.65 | 1.84 | 1.52 | ||
| Capital Adequacy Ratio | % | 236 | 225 | 211 | 198 | 183 | ||
| Tier 1 Ratio | % | 236 | 225 | 211 | 198 | 183 | ||
| Net Interest Margin | % | ... | 3.17 | 0.952 | 0.645 | 0.508 | ||
| Interest Spread | % | ... | 1.54 | -0.341 | 0.160 | 0.181 | ||
| Asset Yield | % | ... | 3.88 | 5.97 | 4.72 | 4.20 | ||
| Revenues (As % of RWA) | % | ... | 9.96 | 7.88 | 10.2 | 8.42 | ||
| Cost Of Liabilities | % | ... | 2.34 | 6.31 | 4.56 | 4.02 | ||
| Interest Income (As % Of Revenues) | % | 99.2 | 106 | 130 | 122 | 145 | ||
| Fee Income (As % Of Revenues) | % | -0.227 | -9.48 | -37.1 | -33.7 | -57.3 | ||
| Other Income (As % Of Revenues) | % | 1.02 | 3.65 | 7.53 | 11.4 | 12.8 | ||
| Staff Cost (As % Of Total Cost) | % | 34.4 | 31.8 | 21.6 | 23.4 | 29.0 | ||
| Equity (As % Of Assets) | % | 98.2 | 54.2 | 12.5 | 9.24 | 7.22 | ||
| Equity (As % Of Loans) | % | ... | ... | ... | 6,157 | 3,094 | ||
| Loans (As % Of Deposits) | % | 0 | 0 | 0 | 0.166 | 0.252 | ||
| Loans (As % Assets) | % | 0 | 0 | 0 | 0.150 | 0.234 | ||
| NPLs (As % Of Loans) | % | ... | ... | ... | 3.12 | 2.93 | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 192 | 166 | ||
| Provisions (As % Of Loans) | % | ... | ... | ... | 6.38 | 5.12 | ||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 53.2 | 9.01 |
| other data | Unit | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Branches | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |||
| Employees | 17.0 | 47.0 | 58.0 | 60.0 | 65.0 | |||
| Employees Per Bank Branch | 17.0 | 47.0 | 58.0 | 60.0 | 65.0 | |||
| Cost Per Employee | USD per month | 35,262 | 7,292 | 7,230 | 7,367 | 8,679 | ||
| Cost Per Employee (Local Currency) | CZK per month | 799,445 | 166,941 | 169,180 | 169,000 | 202,797 |
| customer breakdown | Unit | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| 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 23, 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 23, 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.
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