CSOB's net interest margin amounted to 1.89% in 2017, down from 2.18% 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 2.28%.
Average asset yield was 2.16% in 2017, down from 2.45% when compared to previous year. On the other hand, cost of funding amounted to 0.296% in 2017, down from 0.302%.
Comparing CSOB with its closest peers, Ceska Sporitelna operated in 2017 with a net interest margin of 2.12% in 2017, Komercni Banka reached 2.16% and MONETA Money Bank some 4.22%.
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 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| Air Bank | % | 2.53% | 3.90% | 5.30% | 3.18% | 2.51% | |||
| Banka Creditas | % | 4.40% | 4.12% | 3.35% | 2.66% | 2.79% | ... | ||
| Ceska Sporitelna | % | 3.27% | 2.95% | 2.85% | 2.78% | 2.52% | ... | ||
| Ceskomoravska Stavebni Sporitelna | % | 1.83% | 1.54% | 1.38% | 1.62% | 1.63% | ... | ||
| Cofidis Czech Republic | % | 19.5% | 17.3% | 16.6% | 13.8% | 13.5% | |||
| CSOB | % | 2.67% | 2.38% | 2.50% | 2.45% | 2.18% | ... | ||
| Equa Bank | % | 1.19% | 1.87% | 2.42% | 2.65% | 2.88% | ... | ||
| Essox | % | 11.5% | 11.5% | 10.7% | 10.4% | 9.68% | |||
| Expobank Czech Republic | % | 1.89% | 1.58% | 1.40% | 1.43% | 1.57% | ... | ||
| Fio banka | % | 0.796% | 0.962% | 0.749% | 0.802% | 0.624% | ... | ||
| Hello Bank! | % | 13.4% | 13.0% | 13.3% | 13.3% | 13.3% | |||
| Home Credit Group | % | 15.4% | 18.8% | 16.8% | 14.3% | 12.5% | |||
| Hypotecni Banka | % | 2.37% | 2.21% | 2.12% | 1.93% | 1.80% | ... | ||
| J&T Banka | % | 2.30% | 1.84% | 2.39% | 2.14% | 2.24% | ... | ||
| Komercni Banka | % | 2.85% | 2.57% | 2.36% | 2.32% | 2.32% | |||
| Modra Pyramida Stavebni Sporitelna | % | 2.12% | 1.99% | 1.90% | 1.67% | 1.68% | ... | ||
| MONETA Money Bank | % | 6.51% | 7.24% | 6.75% | 6.57% | 5.74% | |||
| Moravsky Penezni Ustav | % | 1.99% | 6.37% | 4.27% | 3.58% | 2.39% | ... | ||
| PPF Banka | % | 1.91% | 2.13% | 2.00% | 2.50% | 1.80% | ... | ||
| Profi Credit Czech | % | 12.7% | 13.4% | 13.8% | 16.9% | 21.4% | |||
| Profireal Group | % | 24.0% | 26.0% | 29.8% | 31.9% | 24.8% | ... | ||
| Provident Financial Czech Republic | % | 48.8% | 47.6% | 32.9% | 48.0% | 53.8% | |||
| Raiffeisen Stavebni Sporitelna | % | 1.50% | 1.23% | 1.11% | 0.989% | 1.22% | ... | ||
| Raiffeisenbank Czech Republic | % | 3.12% | 2.89% | 2.84% | 2.56% | 2.23% | ... | ||
| Sberbank Czech Republic | % | 2.28% | 2.18% | 2.43% | 1.96% | 2.07% | ... | ||
| Stavebni Sporitelna Ceske Sporitelny | % | 1.45% | 1.13% | 1.27% | 1.37% | 1.15% | ... | ||
| UniCredit Czech Republic | % | 2.04% | 1.81% | 2.07% | 1.90% | 1.68% | ... | ||
| Wustenrot Hypotecni banka | % | 1.48% | 1.52% | 1.79% | 1.92% | 1.54% | ... | ||
| Wustenrot Stavebni Sporitelna | % | 1.77% | 1.41% | 1.21% | 1.53% | 1.70% | ... | ||
| AVERAGE | % | 5.41% | 6.82% | 7.01% | 6.50% | 6.87% | 6.73% | 6.24% | 14.2% |
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