J&T Banka

J&T Banka, a.s. is a joint stock company incorporated on 13 October 1992 in the Czech Republic. The bank’s activities are focused on private, investment, corporate and retail banking. The bank helps its clients to protect their assets, increase their value and pass them on to the next generations.

Services

Retail Banking
Private Banking
Family Office
Corporate Banking
Asset Management
Financial Advising

Products

Financials

Total Assets (2017)
143.00 bln CZK  (+7.42%)
Net Income (2017)
2 196.00 mln CZK  (+130.43%)

In 2017 total assets of J&T Banka were 143,00 bln CZK. In 2017 the bank's net income was 2 196,00 mln CZK.

J&T Banka participates in deposit guarantee scheme of the Czech Republic. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Contacts

Pobřežní 297/14, 186 00, Praha 8, Czech Republic

J&T Banka is headquartered in Praha 8.

Bank Identifiers

MFI ID
CZ47115378

Business Summary

Services
retail banking
private banking
family office
corporate banking
asset management
financial advising
Products
current accounts
payment cards
savings accounts
notice accounts
time deposit accounts (0.00 - 1.40 %)
project financing
bridge loans
syndicated loans
portfolio management

J&T Banka provides products and services in the areas of retail banking, private banking, family office, corporate banking, asset management, financial advising. The range of products offered by J&T Banka includes current accounts, payment cards, savings accounts, notice accounts, time deposit accounts (0.00 - 1.40 %), project financing, bridge loans, syndicated loans, portfolio management.

Products

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Time deposit accounts made with J&T Banka are covered by deposit guarantee scheme of the Czech Republic up to 100 000 EUR per depositor. J&T Banka offers the following time deposit accounts.

Updated on 14 December 2018

Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
0.00 %
Deposit Term (months)
6
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
0.00 %
Deposit Term (months)
6
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
9
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
9
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
9
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
9
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
9
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
0.40 %
Deposit Term (months)
9
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
12
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
12
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
12
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
0.60 %
Deposit Term (months)
12
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
0.75 %
Deposit Term (months)
18
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
0.75 %
Deposit Term (months)
18
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
0.75 %
Deposit Term (months)
18
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
0.75 %
Deposit Term (months)
18
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
0.75 %
Deposit Term (months)
18
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
0.75 %
Deposit Term (months)
18
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
24
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
24
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
24
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.00 %
Deposit Term (months)
24
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
1.05 %
Deposit Term (months)
30
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.05 %
Deposit Term (months)
30
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.05 %
Deposit Term (months)
30
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.05 %
Deposit Term (months)
30
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.05 %
Deposit Term (months)
30
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.05 %
Deposit Term (months)
30
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
36
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
36
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
36
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.10 %
Deposit Term (months)
36
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
48
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
48
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
48
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
48
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
60
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
60
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
60
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
60
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
72
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
72
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
72
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
72
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
84
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
84
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
84
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
84
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
96
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
96
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
96
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
96
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
108
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
108
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
108
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.40 %
Deposit Term (months)
108
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Austria
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
120
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
120
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Time deposit Raisin.com
Sales Region
Europe
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
120
Time Deposit Account Details
Product Name
Time deposit Raisin.com
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
120
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year
Festgeld Savedo
Sales Region
Germany
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
120
Time Deposit Account Details
Product Name
Festgeld Savedo
Account Currency
EUR
Interest Rate (p.a.)
1.20 %
Deposit Term (months)
120
Investment Amount
10000 - 100000 EUR
Interest Frequency
1 times a year

Europe: This product is offered to the residents of the European Union.

Austria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Financial Positions

Total Assets (2017)
143.00 bln CZK  (+7.42%)
Total Equity (2017)
19 476.00 mln CZK  (+5.48%)

In 2017 total assets of J&T Banka were 143.00 bln CZK. Growth compared to the previous period (2016) was 7.42%. The evolution of the total assets of J&T Banka is shown at Chart 1 below.

Total Assets of J&T Banka.

Chart 1. Total Assets of J&T Banka.

Recent changes in total assets of J&T Banka and its main components are shown in Table 1.

2016 2017 % change
Cash and deposits with Central Banks 15.5 6.9 -55.45%
Available for sale financial assets 11.5 11.0 -3.91%
Loans to customers 76.1 69.1 -9.23%
Total Assets 133.1 143.0 +7.42%
Table 1. Recent changes in total assets of J&T Banka (bln CZK).

Recent changes in total liabilities of J&T Banka and its main components are shown in Table 2.

2016 2017 % change
Customer deposits 103.1 91.7 -11.01%
Total Liabilities 133.1 143.0 +7.42%
Table 2. Recent changes in total liabilities of J&T Banka (bln CZK).

Profit and Loss

Net Income (2017)
2 196.00 mln CZK  (+130.43%)

Recent changes in gross profit of J&T Banka and its main components are shown in Table 3.

2016 2017 % change
Interest Income 5 418.0 5 041.0 -6.96%
Interest Charges -2 198.0 -1 316.0 -40.13%
Net Interest Income 3 220.0 3 725.0 +15.68%
Net Commission Income 1 037.0 1 137.0 +9.64%
Table 3. Recent changes in gross profit of J&T Banka (mln CZK).

In 2017 net income of J&T Banka was 2 196.00 mln CZK. Growth compared to the previous period (2016) was 130.43%. The evolution of the net income of J&T Banka is shown at Chart 2 below.

Net Income of J&T Banka.

Chart 2. Net Income of J&T Banka.

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in the Czech Republic are obliged to participate in Czech deposit guarantee scheme.

In the case of J&T Banka failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, legal entities
Covered Accounts  current accounts, savings accounts, term accounts, deposit accounts, saving books
Covered Currencies  all (Czech crowns and foreign currencies)
Maximum Protected Amount  100 000 EUR
Paid In Currency  CZK

Further Information

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of J&T Banka is shown in the table below.

MFI ID  CZ47115378

European Presence: 3 banks in 3 countries

J&T Banka operates under the brand name JT Bank. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Croatia

Czech Republic

  •  (this bank) J&T Banka (Praha 8)

Slovakia

Defunct Banks: 1 bank in 1 country

The following banks operating under JT Bank brand name has been recently closed down:

Switzerland

Banking Products in the Czech Republic