Ceskomoravska Stavebni Sporitelna - Asset Quality

Ceskomoravska Stavebni Sporitelna's non-performing loans reached 3.14% of total loans at the end of 2019, down from 4.36% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.36% in 2018 and an all time low of 0.859% in 2003.

Provision coverage amounted to 50.9% at the end of 2019, up from 41.9% compared to a year earlier.

The bank created loan loss provisions worth of 0.155% of average loans in 2019. That's compared to 0.237% of loans the bank put aside to its cost on average in the last five years.

Comparing Ceskomoravska Stavebni Sporitelna with its closest peers, Modra Pyramida Stavebni Sporitelna operated at the end of 2019 with NPL ratio of 1.62% and provision coverage of 43.5%, Raiffeisen Stavebni Sporitelna with 1.65% and 98.1% respectively and Stavebni Sporitelna Ceske Sporitelny had 1.61% of bad loans covered with 12.4% by provisions at the end of 2019.

You can see all the bank’s data at Ceskomoravska Stavebni Sporitelna Profile, or you can download a report on the bank in the report section.