Ceska Sporitelna - Quarterly Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | October 5, 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 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Air Bank % 0.448% 0.696% 1.89% 0.834% 0.870% ... ...
Banka Creditas % 10.9% 10.1% 10.8% 12.1% 9.82% ... ...
Ceska Sporitelna % 2.10% 1.90% 1.80% 1.80% 1.80% ... ...
Ceskomoravska Stavebni Sporitelna % 4.72% 4.59% 4.46% 4.38% 3.95% ... ...
CSOB % 2.88% 3.05% 3.06% 2.92% 2.39% ... ...
Equa Bank % 2.40% 2.32% 2.90% 2.83% 2.64% ... ...
Expobank Czech Republic % 6.70% 6.42% 5.96% 4.91% ... ... ...
Fio banka % 5.11% 4.21% 5.59% 9.99% 10.2% ... ...
Hypotecni Banka % 1.44% 1.36% 1.27% 1.20% 1.11% ... ...
Komercni Banka % 2.73% 2.77% 2.71% 2.53% 2.29%
Modra Pyramida Stavebni Sporitelna % 2.31% 2.14% 2.03% 1.91% 1.69% ... ...
MONETA Money Bank % 3.30% 3.00% 2.80% 2.00% 1.80%
Moravsky Penezni Ustav % 18.8% 19.1% ... ... ... ... ...
PPF Banka % 7.48% 7.60% 12.9% 11.3% 9.62% ... ...
Raiffeisenbank Czech Republic % 2.40% 2.41% 2.22% 2.21% 1.95% ... ...
Sberbank Czech Republic % 4.97% 4.76% 2.63% 2.60% 2.60% ... ...
Stavebni Sporitelna Ceske Sporitelny % 0.884% 0.834% ... ... ... ... ...
UniCredit Czech Republic % 3.06% 2.78% 2.67% 2.63% 2.51% ... ...
Wustenrot Hypotecni banka % 4.39% 4.77% 3.64% 3.61% 3.79% ... ...
Wustenrot Stavebni Sporitelna % 7.94% 8.26% 7.91% 8.03% 8.07% ... ...
AVERAGE % 4.48% 4.75% 4.66% 4.29% 4.32% 3.95% 2.08% 1.97%