Komercni Banka - Quarterly Cost of Risk

Cost of Risk vs. Interest Spread (%)
Banking | Czech Republic | October 04, 2019
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Excel Sheet

Komercni Banka's Cost of Risk (loan loss provisions as % of average loans) amounted to 1.41% in the second quarter of 2019, down from 1.56% 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 1.41% in 2Q2019. The average cost of risk in the last six quarters amounted to 1.66%.

On the other hand, interest spread ammounted to average asset yield was 3.73% in 2Q2019, up from 2.83% when compared to the same period last year. Cost of funding amounted to 1.88% in 2Q2019, up from 0.912%.

When compared to bank's main peers, MONETA Money Bank operated in the second quarter of 2019 with a cost of risk of 2.01%.

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 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Air Bank % 2.05% 1.61% 1.54% 1.58% 1.44%
Banka Creditas % 1.75% 2.76% 2.36% 2.39% 2.42%
Ceska Sporitelna % 1.93% 2.04% 2.02% 1.84% 1.82%
Ceskomoravska Stavebni Sporitelna % 1.91% 2.08% 2.06% 2.15% 1.91%
CSOB % 1.20% 1.49% 1.37% 1.39% 1.36%
Equa Bank % 0.992% 1.31% 1.03% 1.02% 1.47%
Expobank Czech Republic % 2.61% 4.32% 3.91% 3.72% 3.46% ...
Fio banka % 4.12% 3.95% 1.75% 2.35% 3.67%
Hypotecni Banka % 0.690% 0.710% 0.645% 0.620% 0.548%
Komercni Banka % 1.92% 1.87% 1.76% 1.71% 1.65%
Modra Pyramida Stavebni Sporitelna % 1.57% 1.35% 1.21% 1.11% 0.965%
MONETA Money Bank % 3.22% 3.55% 3.17% 2.95% 2.88%
Moravsky Penezni Ustav % 2.70% 1.77% 3.33% 3.33% ... ... ...
PPF Banka % 3.21% 3.53% 3.63% 3.65% 3.88%
Raiffeisen Stavebni Sporitelna % 2.35% 2.73% 2.59% 2.50% ... ... ...
Raiffeisenbank Czech Republic % 1.93% 2.52% 2.36% 2.19% 2.05%
Sberbank Czech Republic % 1.98% 0.912% 1.02% 3.12% 3.03%
Stavebni Sporitelna Ceske Sporitelny % 1.65% 1.72% 1.56% 1.53% ... ... ...
UniCredit Czech Republic % 2.37% 2.35% 2.37% 2.59% 2.47%
Wustenrot Hypotecni banka % 1.31% 1.29% 1.26% 1.26% 1.26%
Wustenrot Stavebni Sporitelna % 4.04% 5.14% 5.34% 5.88% 5.89%
AVERAGE % 2.29% 2.17% 2.33% 2.20% 2.33% 2.34% 2.38% 2.16%