CSOB - Quarterly Cost of Risk

Cost of Risk vs. Interest Spread (%)
Banking | Czech Republic | October 05, 2019
$3.99
Excel Sheet

CSOB's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.037% in the second quarter of 2019, up from -0.008% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 1.00% in 4Q2009 and an all time low of -0.008% in 1Q2017. The average cost of risk in the last six quarters amounted to 0.049%.

On the other hand, average asset yield was 2.77% in 2Q2019, up from 2.02% when compared to the same period last year. Cost of funding amounted to 0.931% in 2Q2019, up from 0.427%.

When compared to bank's main peers, Ceska Sporitelna operated in the second quarter of 2019 with a cost of risk of -0.018% Komercni Banka reached -0.060% and MONETA Money Bank some 0.277%.

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 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Air Bank % -0.452% 0.211% 0.170% 0.095% -0.194%
Banka Creditas % -0.639% 0.228% 0.082% 0.345% -0.177%
Ceska Sporitelna % 0.151% 0.227% 0.045% 0.064% -0.397%
Ceskomoravska Stavebni Sporitelna % 0.164% -0.092% 0.020% 0.339% 0.230%
CSOB % 0.092% 0.044% 0.066% 0.102% 0.054%
Equa Bank % 0.343% 0.505% 0.564% 0.492% 0.608%
Expobank Czech Republic % 0.784% -0.080% -0.073% -0.130% 0.097% ...
Fio banka % 0.260% -0.186% -0.131% 0.446% 0.558%
Hypotecni Banka % -0.042% -0.035% -0.044% -0.007% -0.099%
Komercni Banka % -0.066% -0.031% -0.115% -0.091% 0.006%
Modra Pyramida Stavebni Sporitelna % -0.099% -0.033% -0.164% -0.081% -0.170%
MONETA Money Bank % -0.040% -0.608% 0.278% 0.326% 0.530%
Moravsky Penezni Ustav % -0.218% -0.121% -0.111% 0.596% ... ... ...
PPF Banka % 0.262% 0.026% -0.064% -0.014% 0.154%
Raiffeisen Stavebni Sporitelna % 0.166% 0.132% 0.090% -0.036% ... ... ...
Raiffeisenbank Czech Republic % 1.23% 0.135% 0.071% 0.102% 0.571%
Sberbank Czech Republic % -0.134% 0.022% 0.318% 0.535% 0.604%
Stavebni Sporitelna Ceske Sporitelny % -0.150% -0.072% -0.477% -0.071% ... ... ...
UniCredit Czech Republic % 0.231% -0.089% 0.019% 0.121% 0.567%
Wustenrot Hypotecni banka % -0.073% 0.040% -0.063% 0.001% 0.232%
Wustenrot Stavebni Sporitelna % 0.775% 0.092% 0.432% 0.339% 0.123%
AVERAGE % 0.227% 0.121% 0.015% 0.043% 0.165% 0.183% 0.106% 0.044%