CSOB's net interest margin amounted to 1.93% in 2018, up from 1.89% compared to the previous year.
Historically, the bank’s net interest margin reached an all time high of 3.48% in 1998 and an all time low of 1.01% in 2004. The average margin in the last five years amounted to 2.19%.
Average asset yield was 2.51% in 2018, up from 2.16% when compared to previous year. On the other hand, cost of funding amounted to 0.618% in 2018, up from 0.296%.
Comparing CSOB with its closest peers, Ceska Sporitelna operated in 2018 with a net interest margin of 2.02% in 2018, Komercni Banka reached 2.20% and MONETA Money Bank some 3.64%.
You can see all the bank’s data at CSOB Profile, or you can download a report on the bank in the report section.
| Net Interest Margin | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| Air Bank | % | 3.90% | 5.30% | 3.18% | 2.51% | 2.66% | ... | ||
| Banka Creditas | % | 4.12% | 3.35% | 2.66% | 2.79% | 1.56% | ... | ||
| Ceska Sporitelna | % | 2.95% | 2.85% | 2.78% | 2.52% | 2.12% | ... | ||
| Ceskomoravska Stavebni Sporitelna | % | 1.54% | 1.38% | 1.62% | 1.63% | 1.46% | ... | ||
| CSOB | % | 2.38% | 2.50% | 2.45% | 2.18% | 1.89% | ... | ||
| Equa Bank | % | 1.87% | 2.42% | 2.65% | 2.88% | 2.98% | ... | ||
| Expobank Czech Republic | % | 1.58% | 1.40% | 1.43% | 1.57% | 1.39% | ... | ||
| Fio banka | % | 0.962% | 0.749% | 0.802% | 0.624% | 0.597% | ... | ||
| Hypotecni Banka | % | 2.21% | 2.12% | 1.93% | 1.80% | 1.43% | ... | ||
| J&T Banka | % | 1.84% | 2.39% | 2.14% | 2.24% | 2.70% | ... | ... | |
| Komercni Banka | % | 2.57% | 2.36% | 2.32% | 2.32% | 2.16% | |||
| Modra Pyramida Stavebni Sporitelna | % | 1.99% | 1.90% | 1.67% | 1.68% | 1.61% | ... | ||
| MONETA Money Bank | % | 7.24% | 6.75% | 6.57% | 5.74% | 4.22% | |||
| Moravsky Penezni Ustav | % | 6.37% | 4.27% | 3.58% | 2.39% | 2.62% | ... | ... | |
| PPF Banka | % | 2.13% | 2.00% | 2.50% | 1.80% | 1.33% | ... | ||
| Raiffeisen Stavebni Sporitelna | % | 1.23% | 1.11% | 0.989% | 1.22% | 1.35% | ... | ... | |
| Raiffeisenbank Czech Republic | % | 2.89% | 2.84% | 2.56% | 2.23% | 1.99% | ... | ||
| Sberbank Czech Republic | % | 2.18% | 2.43% | 1.96% | 2.07% | 2.15% | ... | ||
| Stavebni Sporitelna Ceske Sporitelny | % | 1.13% | 1.27% | 1.37% | 1.15% | 1.13% | ... | ... | |
| UniCredit Czech Republic | % | 1.81% | 2.07% | 1.90% | 1.68% | 1.72% | ... | ||
| Wustenrot Hypotecni banka | % | 1.52% | 1.79% | 1.92% | 1.54% | 1.39% | ... | ||
| Wustenrot Stavebni Sporitelna | % | 1.41% | 1.21% | 1.53% | 1.70% | 1.72% | ... | ||
| AVERAGE | % | 2.38% | 2.54% | 2.47% | 2.29% | 2.10% | 1.92% | 1.99% | 2.96% |
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