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Ceska Sporitelna - Quarterly Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | March 25, 2021
$2.99
Excel Sheet

Ceska Sporitelna's non-performing loans reached 2.20% of total loans at the end of 2020-12-31, up from 1.80% when compared to the previous year. Historically, the NPL ratio hit an all time high of 27.1% in 2001-06-30 and an all time low of 1.70% in 2019-09-30.

Provision coverage amounted to 115% at the end of 2020-12-31, up from 96.0% compared to a year earlier.

The bank created loan loss provisions worth of 6.68% of average loans in 2020-12-31. That's compared to 0.842% of loans the bank put aside to its cost on average in the last five years.

When compared to bank's main peers, CSOB operated at the end of 2020-12-31 with NPL ratio of 2.00% and provision coverage of 48.7%, Komercni Banka with 2.63% and 62.9% respectively and MONETA Money Bank had 2.30% of bad loans covered with 110% by provisions at the end of 2020-12-31.

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 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Air Bank % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Banka Creditas % 9.82% 11.5% 9.83% 9.00% 8.24% ...
Ceska Sporitelna % 1.80% 1.70% 1.80% 1.80% 1.90%
CSOB % 2.39% 2.28% 2.18% 2.05% 1.99%
CSOB Stavebni Sporitelna % 3.95% ... ... ... ... ... ...
Equa Bank % ... ... ... ... ... ... ... ... ... ... ... ... ... 2.64% ... ... ... ... ... ...
Expobank Czech Republic % ... ... ... ... ... ... ...
Fio banka % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10.2% ... ... ... ... ... ...
Hypotecni Banka % 1.11% 1.04% 0.996% 0.948% 0.990% ...
Komercni Banka % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.30% 2.28% 2.13% 2.06% 2.17%
Modra Pyramida Stavebni Sporitelna % 1.69% ... ... ... ... ... ...
MONETA Money Bank % 1.80% 1.90% 1.80% 1.90% 1.60%
PPF Banka % ... 9.62% ... ... ... ... ... ...
Raiffeisen Stavebni Sporitelna % 1.97% 1.85% 1.65% 1.54% 1.28% ...
Raiffeisenbank Czech Republic % 1.95% 1.68% 2.00% 2.15% 2.29% ...
Sberbank Czech Republic % 2.60% 1.76% 1.58% 1.64% 1.67% ...
Stavebni Sporitelna Ceske Sporitelny % 1.70% 1.70% 1.61% 1.48% 1.42% ...
Trinity Bank % 9.75% 8.67% 7.34% 5.88% 8.75% ...
UniCredit Czech Republic % 2.51% 2.36% 2.25% 2.34% 2.17% ...
Wustenrot Hypotecni banka % 3.79% 3.18% 1.38% 1.16% 1.05% ...
Wustenrot Stavebni Sporitelna % 8.07% 7.96% 4.35% 4.51% 4.49% ...
AVERAGE % 2.62% 3.41% 4.04% 3.94% 4.68% 5.72% 5.57% 5.36% 5.76% 6.01% 6.32% 5.95% 6.03% 8.24% 8.39% 7.68% 7.46% 7.03% 7.78% 7.79% 8.07% 8.07% 7.90% 7.85% 7.76% 7.80% 7.64% 7.45% 7.07% 6.89% 6.46% 6.30% 6.26% 6.06% 5.49% 5.64% 5.43% 5.35% 4.60% 4.87% 4.76% 5.29% 4.73% 4.19% 3.56% 2.92% 2.75% 2.86% 2.81% 2.28%