Ceska Sporitelna - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | March 03, 2018
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Excel Sheet

Ceska Sporitelna's non-performing loans reached 2.10% of total loans at the end of 2017, down from 3.12% compared to the previous year. Historically, the NPL ratio hit an all time high of 20.8% in 2000 and an all time low of 2.10% in 2017.

Provision coverage amounted to 92.0% at the end of 2017, up from 84.1% compared to a year earlier.

The bank created loan loss provisions worth of 0.005% of average loans in 2017. That's compared to 0.462% of loans the bank put aside to its cost on average in the last five years.

Comparing Ceska Sporitelna with its closest peers, CSOB operated at the end of 2017 with NPL ratio of 2.37% and provision coverage of 65.0%, Komercni Banka with 3.10% and 61.7% respectively and MONETA Money Bank had 4.10% of bad loans covered with 76.8% by provisions at the end of 2017.

You can see all the bank’s data at Ceska Sporitelna Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Air Bank % ... 7.99% 5.03% 5.55% 4.67% 4.17%
Banka Creditas % 20.4% 20.1% 20.0% 13.3% 11.9% ...
Ceska Sporitelna % 5.45% 4.87% 4.43% 3.82% 3.12% ...
Ceskomoravska Stavebni Sporitelna % 2.51% 2.90% 2.66% 2.67% 2.31% ...
Cofidis Czech Republic % ... ... ... ... ... ... ...
CSOB % 3.57% 4.79% 4.19% 3.73% 3.03% ...
Equa Bank % 7.99% 2.04% 2.53% 3.01% 1.15% ...
Essox % 31.0% 30.6% 31.1% 30.0% 26.3%
Expobank Czech Republic % 9.53% 11.9% 3.44% 5.55% 6.47% ...
Fio banka % 13.3% 15.7% 13.5% 11.4% 9.94% ...
Hello Bank! % 13.2% 22.4% 18.1% 18.1% 15.4%
Home Credit Group % 7.57% 12.2% 15.3% 10.0% 8.05%
Hypotecni Banka % 3.90% 3.76% 5.24% 3.12% 2.32% ...
J&T Banka % 9.12% 8.99% 4.72% 10.2% 10.0% ...
Komercni Banka % 5.80% 5.60% 5.21% 4.20% 3.80%
Modra Pyramida Stavebni Sporitelna % 3.09% 3.99% 4.55% 4.99% 4.17% ...
MONETA Money Bank % 16.2% 14.8% 12.9% 11.7% 5.97%
Moravsky Penezni Ustav % 15.0% 32.7% 39.0% 39.4% 24.4% ...
PPF Banka % 6.06% 0.642% 8.26% 8.95% 7.63% ...
Profi Credit Czech % 68.5% 65.6% 66.2% 70.1% 73.2%
Profireal Group % 50.4% 51.1% 54.5% 60.1% 67.7% ...
Provident Financial Czech Republic % 45.8% 47.2% 51.1% 41.9% 40.9%
Raiffeisen Stavebni Sporitelna % 2.77% 3.36% 3.50% 3.90% 3.48% ...
Raiffeisenbank Czech Republic % 11.6% 6.74% 5.98% 4.68% 3.60% ...
Sberbank Czech Republic % 8.16% 7.94% 5.95% 5.19% 5.74% ...
Stavebni Sporitelna Ceske Sporitelny % 4.14% 4.81% 4.60% 2.59% 2.43% ...
UniCredit Czech Republic % 5.60% 4.83% 5.88% 5.06% 4.13% ...
Wustenrot Hypotecni banka % 3.81% 4.32% 4.62% 3.50% 3.77% ...
Wustenrot Stavebni Sporitelna % 2.04% 2.61% 3.16% 3.29% 3.65% ...
AVERAGE % 14.4% 13.7% 14.3% 14.5% 13.9% 12.8% 12.3% 19.4%