Ceska Sporitelna - Quarterly Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | October 05, 2019
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Ceska Sporitelna's non-performing loans reached 1.80% of total loans at the end of 2019-06-30, down from 2.10% 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 1.80% in 2019-06-30.

Provision coverage amounted to 96.3% at the end of 2019-06-30, up from 94.1% compared to a year earlier.

The bank created loan loss provisions worth of -0.038% of average loans in 2019-06-30. That's compared to -0.095% of loans the bank put aside to its cost on average in the last five years.

When compared to bank's main peers, Komercni Banka operated at the end of 2019-06-30 with NPL ratio of 2.30% and provision coverage of 59.9% and MONETA Money Bank with 1.80% and 109% respectively.

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 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Air Bank % 1.76% 0.587% 0.448% 0.696% 1.89%
Banka Creditas % 9.76% 11.7% 10.9% 10.1% 10.8%
Ceska Sporitelna % 2.10% 2.00% 2.10% 1.90% 1.80%
Ceskomoravska Stavebni Sporitelna % 2.24% 2.18% 4.72% 4.59% 4.46%
CSOB % 2.04% 2.02% 2.88% 3.05% 3.06%
Equa Bank % 3.62% 2.23% 2.40% 2.32% 2.90%
Expobank Czech Republic % 4.49% 6.45% 6.70% 6.42% 5.96% ...
Fio banka % 12.1% 4.48% 5.11% 4.21% 5.59%
Hypotecni Banka % 1.65% 1.56% 1.44% 1.36% 1.27%
Komercni Banka % 3.06% 2.85% 2.73% 2.77% 2.71%
Modra Pyramida Stavebni Sporitelna % 3.01% 2.39% 2.31% 2.14% 2.03%
MONETA Money Bank % 4.10% 3.70% 3.30% 3.00% 2.80%
Moravsky Penezni Ustav % 26.4% 16.3% 18.8% 19.1% ... ... ...
PPF Banka % 13.8% 6.63% 7.48% 7.60% 12.9%
Raiffeisen Stavebni Sporitelna % 2.95% ... ... ... ... ... ...
Raiffeisenbank Czech Republic % 2.53% 2.67% 2.40% 2.41% 2.22%
Sberbank Czech Republic % 5.43% 6.67% 4.97% 4.76% 2.63%
Stavebni Sporitelna Ceske Sporitelny % 2.03% 0.980% 0.884% 0.834% ... ... ...
UniCredit Czech Republic % 2.97% 3.22% 3.06% 2.78% 2.67%
Wustenrot Hypotecni banka % 2.46% 3.31% 4.39% 4.77% 3.64%
Wustenrot Stavebni Sporitelna % 3.99% 7.67% 7.94% 8.26% 7.91%
AVERAGE % 5.49% 5.35% 4.48% 4.75% 4.66% 4.29% 4.32% 3.95%