By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's loans reached CZK 122,667 mil in the fourth quarter of 2023, up from CZK 122,166 mil when compare...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's capital adequacy ratio reached 31.2% at the end of fourth quarter of 2023, up from 24.3% when compared...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna generated total banking revenues of CZK 436 mil in 2023-12-31, down 36.6% compared to the previous year...
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By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna employed 184 persons in 2023-12-31, up 1.10% when compared to the previous year. Historically, the bank's workforce hit an all time high of 580 persons in 2015-03-31 and an all time low of 180 in 2023-03-31. Average cost reached USD 5,110 ...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna made a net profit of CZK 151 mil in the fourth quarter of 2023, down 66.2% when compared to the same period of last year. This implies a return on equity of 6.48%. Historically, the bank’s net profit reached an all time high of CZK 641 mi...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna made a net profit of CZK 151 mil under revenues of CZK 436 mil in the fourth quarter of 2023, down 66.2% and 45.7% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's mortgage loans reached CZK 122,379 mil in 4Q2023, up 0.186% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,742 bil in 4Q2023, up 0.752% when compared to the last year. CSOB Stavebni Sporitel...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's non-performing loans reached 1.61% of total loans at the end of 2023-12-31, up from 1.55% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.72% in 2018-06-30 and an all time low of 0.538% in 2003-09-30...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's net interest margin amounted to 1.59% in the fourth quarter of 2023, down from 1.68% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.28% in 4Q2009 and an all time lo...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's customer deposits reached CZK 122,698 mil in 2023-12-31, down 0.425% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,701 bil in 2023-12-31, down 3.35% when compared to the last year. CSOB ...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's customer loans reached CZK 122,166 mil in 2023-09-30, down 0.659% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 bil in 2023-09-30, up 1.99% when compared to the last year. CSOB Stavebni...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's retail deposits reached CZK 122,698 mil in 2023-12-31, up 5.35% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,651 bil in 2023-12-31, up 2.05% when compared to the last year. CSOB Stavebni ...
By Helgi Library - May 12, 2024
CSOB Stavebni Sporitelna's retail loans reached CZK 122,379 mil in the fourth quarter of 2023, up 0.186% compared to the previous year. Czech banking sector provided retail loans of CZK 2,242 bil in 4Q2023, up 0.906% when compared to the last year. CSOB S...
ČSOB Stavební Spořitelna is the biggest building society in the Czech Republic. It was founded in 1993 as a joint venture between ČSOB and Bausparkasse Schwäbisch Hall. Since its beginning, ČMSS has concluded more than 8 mil building savings contracts and provided its clients with more than 1.1 mil housing loans. In April 2019, ČSOB became its sole shareholder. Formerly known as ČMSS, also known in Czech Republic as “the Fox” because of its mascot, is the biggest building savings bank in the Czech Republic with approximately 40% market share in building savings loans and building savings deposits. ČMSS currently has around 1.3 mil clients, some 1,800 tied agents and approximately 300 advisory points.
CSOB Stavebni Sporitelna has been growing its revenues and asset by -2.95% and -2.03% a year on average in the last 10 years. Its loans and deposits have grown by 0.035% and -2.24% a year during that time and loans to deposits ratio reached 98.7% at the end of 2023. The company achieved an average return on equity of 10.9% in the last decade with net profit growing -3.38% a year on average. In terms of operating efficiency, its cost to income ratio reached 51.2% in 2023, compared to 50.4% average in the last decade.
Equity represented 7.34% of total assets or 8.17% of loans at the end of 2023. CSOB Stavebni Sporitelna's non-performing loans were 1.61% of total loans while provisions covered some 80.8% of NPLs at the end of 2023.
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