Ceska Sporitelna's capital adequacy ratio reached 20.6% at the end of second quarter of 2019, up from 18.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 21.3% in 4Q2015 and an all time low of 9.40% in 4Q2007.
The Tier 1 ratio amounted to 20.2% at the end of second quarter of 2019, up from 16.8% compared to the same period of last year and up from 18.2% when compared to the the previous quarter.
Bank's loan to deposit ratio reached 69.7% at the end of 2Q2019, down from 75.8% when compared to the same period of last year. Some 10 years ago, loan to deposit ratio of the bank amounted to 69.1%.
When compared to bank's main peers, Komercni Banka ended the second quarter of 2019 with a capital adequacy ratio at 19.0% and loans to deposits of 71.1% and MONETA Money Bank with 16.7% and 84.6% 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.
| Capital Adequacy Ratio | Unit | Sep 2007 | Dec 2007 | Mar 2008 | Jun 2008 | 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 (E) | Dec 2019 (E) |
| Air Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.5% | 15.9% | 15.8% | 16.8% | 17.2% | ... | ... | |||||||||||||||||||||||||||
| Banka Creditas | % | ... | 12.5% | 14.0% | 15.0% | 14.5% | 16.5% | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 18.7% | 17.8% | 17.3% | 17.6% | 19.2% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Ceskomoravska Stavebni Sporitelna | % | 20.5% | 14.7% | 15.7% | 15.5% | 17.5% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | ... | ... | 17.2% | 17.9% | 17.5% | 17.3% | 18.0% | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| Equa Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.8% | 16.4% | 13.6% | 16.1% | 16.5% | ... | ... | ||||||||||||||||||||||||||
| Expobank Czech Republic | % | 28.2% | 25.3% | 22.6% | 21.4% | 23.9% | ... | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.5% | 12.5% | 14.8% | 14.9% | 15.3% | ... | ... | |||||||||||||||||||||||||||||||
| Hypotecni Banka | % | 37.3% | 37.5% | 41.2% | 35.5% | 36.5% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Komercni Banka | % | ... | ... | 18.6% | 18.3% | 18.1% | 18.4% | 18.5% | |||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 20.4% | 20.8% | 20.3% | 20.4% | 20.5% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | 17.4% | 16.6% | 16.0% | 16.6% | 16.4% | |||||||||||||||||||||||||||||||||||||||||||||
| Moravsky Penezni Ustav | % | 17.1% | 17.2% | 18.0% | 18.0% | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| PPF Banka | % | ... | ... | ... | ... | ... | 16.2% | 15.6% | 16.3% | 15.9% | 16.3% | ... | ... | ||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | 16.0% | 15.2% | 15.3% | 14.6% | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 17.7% | 16.6% | 16.4% | 16.3% | 16.9% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Sberbank Czech Republic | % | 16.4% | 15.6% | 15.7% | 16.0% | 16.2% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 17.8% | 19.2% | 19.0% | 19.0% | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| UniCredit Czech Republic | % | ... | 19.9% | 19.1% | 18.6% | 18.3% | 20.3% | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| Wustenrot Hypotecni banka | % | ... | 14.8% | 14.1% | 14.4% | 14.1% | 13.0% | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| Wustenrot Stavebni Sporitelna | % | 18.4% | 17.4% | 17.2% | 17.2% | 17.1% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | 11.8% | 14.3% | 14.8% | 16.6% | 16.0% | 15.1% | 15.6% | 16.1% | 15.3% | 15.0% | 15.8% | 15.2% | 15.7% | 14.8% | 15.3% | 15.8% | 21.1% | 18.9% | 16.9% | 16.9% | 17.0% | 16.0% | 15.7% | 16.2% | 16.0% | 15.7% | 15.8% | 16.2% | 16.5% | 16.9% | 17.4% | 17.0% | 17.0% | 17.6% | 17.1% | 17.3% | 17.4% | 17.7% | 17.5% | 18.0% | 17.7% | 18.3% | 18.0% | 18.0% | 17.8% | 18.6% | 19.2% | 19.4% | 18.8% | 18.9% |
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