CSOB's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.031% in the first quarter of 2023, down from 0.159% when compared to the previous quarter.
Historically, the bank’s cost of risk reached an all time high of 1.09% in 2Q2020 and an all time low of -0.274% in 2Q2021. The average cost of risk in the last six quarters amounted to 0.035%.
On the other hand, average asset yield was 6.64% in 1Q2023, up from 4.16% when compared to the same period last year. Cost of funding amounted to 5.46% in 1Q2023, up from 2.77%.
You can see all the bank’s data at CSOB Profile, or you can download a report on the bank in the report section.
| Cost of Risk | Unit | 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 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 |
| Air Bank | % | ... | ... | ... | -0.215% | -0.040% | 0.053% | 0.277% | 0.503% | ... | ... | ||||||||||||||||||||||||||||||||||||||||
| Banka Creditas | % | -0.113% | 0.472% | 0.003% | 0.066% | 0.139% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 0.107% | 0.110% | 0.077% | -0.225% | 0.172% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | -0.266% | -0.078% | -0.019% | 0.023% | 0.157% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | -0.227% | -0.563% | -0.177% | -0.163% | 0.286% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Equa Bank | % | ... | ... | ... | ... | ... | 0.203% | -0.645% | ... | ... | ... | ... | ... | ||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | -0.078% | -0.060% | 0.218% | 0.237% | 0.087% | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| J&T Banka | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.655% | 1.64% | -0.097% | 0.257% | 0.137% | ... | ... | ||||||||||||||
| Komercni Banka | % | 0.015% | 0.004% | 0.080% | 0.076% | 0.179% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | -0.424% | -0.141% | 0.194% | -0.143% | 0.342% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 0.112% | -0.393% | -0.102% | 0.101% | 0.376% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | -0.365% | 0.285% | -0.103% | -0.169% | 0.134% | |||||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | 0.019% | -1.13% | -0.005% | -0.972% | -0.388% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| PPF Banka | % | -0.147% | 0.070% | 0.652% | -0.483% | 0.271% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | -0.344% | 0.410% | 0.159% | -0.100% | 0.113% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | -0.006% | 0.281% | 0.179% | 0.121% | -0.347% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Sberbank Czech Republic | % | 0.213% | 0.151% | 1.77% | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 0.713% | -0.669% | 0.163% | -0.245% | 0.047% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Trinity Bank | % | -0.062% | -0.380% | 0.032% | 0.125% | 0.061% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Wustenrot Hypotecni banka | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | -0.079% | 0.513% | 0.423% | 0.454% | 0.783% | 0.637% | 0.127% | 0.018% | 0.725% | 0.747% | 0.519% | 0.752% | 0.846% | 0.557% | 0.414% | 0.325% | 0.491% | 0.276% | 0.185% | 0.320% | 0.463% | 0.248% | 0.329% | 0.530% | 0.179% | 0.151% | 0.115% | 0.243% | 0.124% | 0.026% | 0.055% | 0.216% | 0.225% | -0.027% | -0.097% | 0.108% | < 0.001% | 0.275% | 0.498% | 0.310% | 0.557% | 0.013% | 0.016% | -0.011% | -0.035% | 0.171% | -0.072% | 0.133% | 0.124% | -0.054% |
Helgi Library 
