Created by Anna Mileiko 
Fio banka is a Czech-owned commercial bank, providing traditional banking products and services (current accounts, savings accounts and term deposit accounts, payments, payment cards and loans) as well as brokering securities transactions.
In 2022, Fio banka, a.s. achieved the position of 9th largest bank in the Czech Republic with a market share of 2.67%; its total assets grew by 6.87%.
Additionally, the bank became the 1st profitable bank in relation to its total assets showcasing 1.98% return on assets in 2022.
Deposits up to 100,000 EUR are covered by Czech deposit guarantee scheme in Fio banka, a.s.
Czech Republic
branch
online banking
mobile app
In 2023 total assets of Fio banka, a.s. were 266.39 bln CZK. In 2023 the bank's net income was 6,477.94 mln CZK.
Financial Market Guarantee System (FMGS)Fio banka, a.s. protects deposits up to up to 100,000 EUR per depositor through the Czech Republic's deposit guarantee scheme. The scheme applies to current accounts, deposit accounts made by natural persons, legal entities. The bank participates in the Financial Market Guarantee System (FMGS), making regular contributions into it.
V celnici 1028/10, 11000, Praha 1, Czech RepublicFio banka, a.s. is headquartered in Praha 1.
Fio banka, a.s. has profiles at the following social networks:
Fio banka, a.s. is authorized and supervised by the Czech National Bank.
Czech RepublicMasterCardFio banka, a.s. provides products and services in the areas of retail banking, business banking. Fio banka, a.s. offers a range of products including current accounts, debit cards, credit cards, savings accounts, trading accounts, mortgage loans, business loans. Fio banka, a.s. makes its solutions available to natural persons, companies.
branch online banking mobile appProducts and services offered by Fio banka, a.s. are available at its branches and via its online banking system, mobile application.
CzechIn 2023 total assets of Fio banka, a.s. were 266.39 bln CZK. Growth compared to the previous period (2022) was 16.11%. The evolution of the total assets of Fio banka, a.s. is shown at Chart 1 below.
Chart 1. Total Assets of Fio banka, a.s..
Recent changes in total assets of Fio banka, a.s. and its main components are shown in Table 1.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Cash and deposits with Central Banks | 57.1 | 40.0 | -30.08% |
| Loans to banks | 3.2 | 2.5 | -21.40% |
| Loans to customers | 41.3 | 50.5 | +22.30% |
| Total Assets | 229.4 | 266.4 | +16.11% |
Table 1. Recent changes in total assets of Fio banka, a.s. (bln CZK).
Recent changes in total liabilities of Fio banka, a.s. and its main components are shown in Table 2.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Bank deposits | 0.0 | 0.2 | +439.55% |
| Customer deposits | 212.1 | 241.1 | +13.65% |
| Total Liabilities | 229.4 | 266.4 | +16.11% |
Table 2. Recent changes in total liabilities of Fio banka, a.s. (bln CZK).
Recent changes in gross profit of Fio banka, a.s. and its main components are shown in Table 3.
| 2022 | 2023 | change (%) | |
|---|---|---|---|
| Interest Income | 6,924.6 | 11,064.4 | +59.78% |
| Interest Charges | -1,512.4 | -3,461.2 | +128.86% |
| Net Interest Income | 5,412.2 | 7,603.1 | +40.48% |
| Net Commission Income | 652.0 | 643.3 | -1.33% |
Table 3. Recent changes in gross profit of Fio banka, a.s. (mln CZK).
In 2023 net income of Fio banka, a.s. was 6,477.94 mln CZK. Growth compared to the previous period (2022) was 47.04%. The evolution of the net income of Fio banka, a.s. is shown at Chart 2 below.
Chart 2. Net Income of Fio banka, a.s..
In 2022 Fio banka, a.s. was ranked the 9th largest bank in the Czech Republicin terms of total assets, having 2.67% of the domestic market share.
Chart 3. Market share of Fio banka, a.s. (among banks in the Czech Republic)
Historical changes in Fio banka, a.s.'s domestic rank and market share over 2019-2022 are shown below:
| Year | Rank | Market % |
|---|---|---|
| 2022 | 9 | 2.67 % |
| 2021 | 9 | 2.60 % |
| 2019 | 10 | 2.02 % |
TheBanks.eu identified several banks banks having the market shares and ranks closest to Fio banka, a.s. listed below.
| Rank | Name | Market % | Total Assets |
|---|---|---|---|
| 8 |  | 3.36% | 384.96 bln CZK (+33.36%) |
| 9 | | 2.67% | 266.39 bln CZK (+16.11%) |
| 10 |  | 2.64% | 293.08 bln CZK (+28.97%) |
Discover key identifiers of Fio banka, a.s. including its BIC, LEI, MFI ID.
BIC: FIOBCZPPXXX
The BIC (also known as SWIFT code) for Fio banka, a.s. is FIOBCZPPXXX. It is used in financial transactions like cross-border and SEPA payments, and helps identify the bank in global banking systems.
| Key | Value |
|---|---|
| BIC | FIOBCZPPXXX |
| Bank BIC Code | FIOB |
| Country Code | CZ (Czech Republic) |
| Location Code | PP |
| Branch Code | XXX |
LEI: 3.157001E+019
Fio banka, a.s.’s LEI is 3.157001E+019. This code is critical for verifying the institutions’s legal identity in financial markets and is used for regulatory reporting and risk management.
| Key | Value |
|---|---|
| LEI | 3.157001E+019 |
| LOU Identifier | 3.15 |
| Reserved | 70 |
| Entity Identifier | 01E+019 |
MFI ID: CZ61858374
Fio banka, a.s.’s MFI ID, CZ61858374, is assigned by the European Central Bank to identify the institution within the EU's financial system. The first two digits represent Czech Republic (CZ), followed by the institutions's internal ID.
| Key | Value |
|---|---|
| MFI ID | CZ61858374 |
| Country Code | CZ |
| MFI Code | 61858374 |
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