CSOB - Asset Quality

CSOB's non-performing loans reached 1.57% of total loans at the end of 2021-12-31, down from 1.99% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.13% in 2013-06-30 and an all time low of 1.57% in 2021-12-31.

Provision coverage amounted to 49.4% at the end of 2021-12-31, up from 48.7% compared to a year earlier.

The bank created loan loss provisions worth of -0.141% of average loans in 2021-12-31. That's compared to -0.211% of loans the bank put aside to its cost on average in the last five years.

Comparing CSOB with its closest peers, Ceska Sporitelna operated at the end of 2021-12-31 with NPL ratio of 2.10% and provision coverage of 114%, Komercni Banka with 2.49% and 51.6% respectively and MONETA Money Bank had 2.20% of bad loans covered with 101% by provisions at the end of 2021-12-31.

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