In spite of the declining interest rate environment, ČSOB has managed to increase its net interest margin from 2.32% in 2002 to 2.45% in 2015. This is heavily a result of better asset utilisation. Loans increased from around 51% of customer deposits in 2002 to over 81% at the end of 2015.
When looking at the chart, however, the trend has been clearly negative. Since 2009, bank's net interest margin has dropped by more than 12%.
You can download all updated data for the bank at CSOB Profile