Komercni Banka - Quarterly Cost of Risk

Cost of Risk vs. Interest Spread (%)
Banking | Czech Republic | February 06, 2020
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Excel Sheet

Komercni Banka's Cost of Risk (loan loss provisions as % of average loans) amounted to 1.26% in the fourth quarter of 2019, down from 1.37% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 4.03% in 3Q2014 and an all time low of 1.26% in 4Q2019. The average cost of risk in the last six quarters amounted to 1.49%.

On the other hand, interest spread ammounted to average asset yield was 4.01% in 4Q2019, up from 3.57% when compared to the same period last year. Cost of funding amounted to 2.16% in 4Q2019, up from 1.52%.

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

Provisions (As % Of Loans) Unit Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Air Bank % 1.54% 1.58% 1.44% 0.895% 0.901% ... ...
Banka Creditas % 2.36% 2.39% 2.42% 2.43% 2.40% ... ...
Ceska Sporitelna % 2.02% 1.84% 1.82% 1.80% 1.76% ... ...
Ceskomoravska Stavebni Sporitelna % 2.06% 2.15% 1.91% 2.22% 2.18% ... ...
CSOB % 1.37% 1.39% 1.36% 1.32% 1.45% ... ...
Equa Bank % 1.03% 1.02% 1.47% 1.39% 1.37% ... ...
Expobank Czech Republic % 3.91% 3.72% 3.46% 4.65% ... ... ...
Fio banka % 1.75% 2.35% 3.67% 4.43% 4.33% ... ...
Hypotecni Banka % 0.645% 0.620% 0.548% 0.524% 0.485% ... ...
Komercni Banka % 1.81% 1.67% 1.64% 1.57% 1.40%
Modra Pyramida Stavebni Sporitelna % 1.21% 1.11% 0.965% 0.908% 0.786% ... ...
MONETA Money Bank % 3.08% 2.87% 2.80% 2.17% 1.97%
Moravsky Penezni Ustav % 3.33% 3.33% ... ... ... ... ...
PPF Banka % 3.63% 3.65% 3.88% 3.72% 3.16% ... ...
Raiffeisen Stavebni Sporitelna % 2.59% 2.50% ... ... ... ... ...
Raiffeisenbank Czech Republic % 2.36% 2.19% 2.05% 2.02% 1.64% ... ...
Sberbank Czech Republic % 1.02% 3.12% 3.03% 3.05% 3.16% ... ...
Stavebni Sporitelna Ceske Sporitelny % 1.56% 1.53% ... ... ... ... ...
UniCredit Czech Republic % 2.37% 2.59% 2.47% 2.46% 2.30% ... ...
Wustenrot Hypotecni banka % 1.26% 1.26% 1.26% 1.22% 1.21% ... ...
Wustenrot Stavebni Sporitelna % 5.34% 5.88% 5.89% 6.02% 6.13% ... ...
AVERAGE % 2.32% 2.20% 2.32% 2.34% 2.38% 2.15% 1.67% 1.62%