Stavebni Sporitelna Ceske Sporitelny - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | May 07, 2018
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Stavebni Sporitelna Ceske Sporitelny's non-performing loans reached 2.03% of total loans at the end of 2017, down from 2.43% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.81% in 2013 and an all time low of 0.106% in 1999.

Provision coverage amounted to 80.0% at the end of 2017, up from 79.3% compared to a year earlier.

The bank created loan loss provisions worth of -0.143% of average loans in 2017. That's compared to 0.414% of loans the bank put aside to its cost on average in the last five years.

Comparing Stavebni Sporitelna Ceske Sporitelny with its closest peers, Ceskomoravska Stavebni Sporitelna operated at the end of 2017 with NPL ratio of 2.24% and provision coverage of 84.3%, Raiffeisen Stavebni Sporitelna with 2.95% and 77.9% respectively and Modra Pyramida Stavebni Sporitelna had 3.03% of bad loans covered with 52.1% by provisions at the end of 2017.

You can see all the bank’s data at Stavebni Sporitelna Ceske Sporitelny Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Air Bank % ... 7.99% 5.03% 5.55% 4.67% 4.17%
Banka Creditas % 20.4% 20.1% 20.0% 13.3% 11.9%
Ceska Sporitelna % 5.45% 4.87% 4.43% 3.82% 3.12%
Ceskomoravska Stavebni Sporitelna % 2.51% 2.90% 2.66% 2.67% 2.31%
CSOB % 3.57% 4.79% 4.19% 3.73% 3.03%
Equa Bank % 7.99% 2.04% 2.53% 3.01% 1.15%
Expobank Czech Republic % 9.53% 11.9% 3.44% 5.55% 6.47%
Fio banka % 13.3% 15.7% 13.5% 11.4% 9.94%
Hypotecni Banka % 3.90% 3.76% 5.24% 3.12% 2.32%
J&T Banka % 9.12% 8.99% 4.72% 10.2% 10.0% ...
Komercni Banka % 5.80% 5.60% 5.21% 4.20% 3.80%
Modra Pyramida Stavebni Sporitelna % 3.09% 3.99% 4.55% 4.99% 4.17%
MONETA Money Bank % 16.2% 14.8% 12.9% 11.7% 5.97%
Moravsky Penezni Ustav % 15.0% 32.7% 39.0% 39.4% 24.4% ...
PPF Banka % 6.06% 0.642% 8.26% 8.95% 7.63%
Raiffeisen Stavebni Sporitelna % 2.77% 3.36% 3.50% 3.90% 3.48% ...
Raiffeisenbank Czech Republic % 11.6% 6.74% 5.98% 4.68% 3.60%
Sberbank Czech Republic % 8.16% 7.94% 5.95% 5.19% 5.74%
Stavebni Sporitelna Ceske Sporitelny % 4.14% 4.81% 4.60% 2.59% 2.43% ...
UniCredit Czech Republic % 5.60% 4.83% 5.88% 5.06% 4.13%
Wustenrot Hypotecni banka % 3.81% 4.32% 4.62% 3.50% 3.77%
Wustenrot Stavebni Sporitelna % 2.04% 2.61% 3.16% 3.29% 3.65%
AVERAGE % 8.12% 7.64% 7.84% 7.72% 7.22% 5.78% 5.21% 3.93%