Ceska Sporitelna - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | October 5, 2019
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Excel Sheet

Ceska Sporitelna's non-performing loans reached 1.80% of total loans at the end of 2018, down from 2.10% 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 1.80% in 2018.

Provision coverage amounted to 99.2% at the end of 2018, up from 90.3% compared to a year earlier.

The bank created loan loss provisions worth of -0.043% of average loans in 2018. That's compared to 0.314% 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 2018 with NPL ratio of 3.06% and provision coverage of 44.0%, Komercni Banka with 2.71% and 59.4% respectively and MONETA Money Bank had 2.80% of bad loans covered with 99.9% by provisions at the end of 2018.

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 2012 2013 2014 2015 2016 2017 2018 2019
Air Bank % 5.03% 5.55% 4.67% 4.17% 2.98% ...
Banka Creditas % 20.1% 20.0% 13.3% 11.9% 9.76% ...
Ceska Sporitelna % 4.87% 4.43% 3.82% 3.12% 2.10% ...
Ceskomoravska Stavebni Sporitelna % 2.90% 2.66% 2.67% 2.31% 2.24% ...
CSOB % 4.79% 4.19% 3.73% 3.03% 2.04% ...
Equa Bank % 2.04% 2.53% 3.01% 1.15% 1.47% ...
Expobank Czech Republic % 11.9% 3.44% 5.55% 6.47% 4.48% ...
Fio banka % 15.7% 13.5% 11.4% 9.94% 7.92% ...
Hypotecni Banka % 3.76% 5.24% 3.12% 2.32% 1.66% ...
J&T Banka % 8.99% 4.72% 10.2% 10.0% 10.7% ... ...
Komercni Banka % 5.60% 5.21% 4.20% 3.80% 3.06%
Modra Pyramida Stavebni Sporitelna % 3.99% 4.55% 4.99% 4.17% 2.61% ...
MONETA Money Bank % 14.8% 12.9% 11.7% 5.97% 4.10%
Moravsky Penezni Ustav % 32.7% 39.0% 39.4% 24.4% 26.4% ... ...
PPF Banka % 0.642% 8.26% 8.95% 7.63% 10.4% ...
Raiffeisen Stavebni Sporitelna % 3.36% 3.50% 3.90% 3.48% 2.95% ... ...
Raiffeisenbank Czech Republic % 6.74% 5.98% 4.68% 3.60% 2.46% ...
Sberbank Czech Republic % 7.94% 5.95% 5.19% 5.74% 5.43% ...
Stavebni Sporitelna Ceske Sporitelny % 4.81% 4.60% 2.59% 2.43% 2.03% ... ...
UniCredit Czech Republic % 4.83% 5.88% 5.06% 4.13% 3.42% ...
Wustenrot Hypotecni banka % 4.32% 4.62% 3.50% 3.77% 2.46% ...
Wustenrot Stavebni Sporitelna % 2.61% 3.16% 3.29% 3.65% 3.99% ...
AVERAGE % 7.64% 7.84% 7.72% 7.22% 5.78% 5.21% 3.93% 1.97%