Stavebni Sporitelna Ceske Sporitelny - Quarterly Cost of Risk

Cost of Risk vs. Interest Spread (%)
Banking | Czech Republic | August 23, 2019
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Excel Sheet

Stavebni Sporitelna Ceske Sporitelny's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.071% in the third quarter of 2018, up from -0.477% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 0.675% in 3Q2014 and an all time low of -0.477% in 2Q2018. The average cost of risk in the last six quarters amounted to -0.161%.

On the other hand, average asset yield was 2.93% in 3Q2018, up from 2.66% when compared to the same period last year. Cost of funding amounted to 1.46% in 3Q2018, down from 1.53%.

When compared to bank's main peers, Ceskomoravska Stavebni Sporitelna operated in the third quarter of 2018 with a cost of risk of 0.339% Raiffeisen Stavebni Sporitelna reached -0.036% and Modra Pyramida Stavebni Sporitelna some -0.081%.

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.

Cost of Risk Unit Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Air Bank % 0.170% 0.095% -0.194% -0.040% 0.025% ... ...
Banka Creditas % 0.082% 0.345% -0.177% 0.354% -0.010% ... ...
Ceska Sporitelna % 0.045% 0.064% -0.397% 0.071% -0.018% ... ...
Ceskomoravska Stavebni Sporitelna % 0.020% 0.339% 0.230% 0.095% 0.064% ... ...
CSOB % 0.066% 0.102% 0.054% -0.008% 0.037% ... ...
Equa Bank % 0.564% 0.492% 0.608% 0.505% 0.550% ... ...
Expobank Czech Republic % -0.073% -0.130% 0.097% 0.260% ... ... ...
Fio banka % -0.131% 0.446% 0.558% 0.398% 0.098% ... ...
Hypotecni Banka % -0.044% -0.007% -0.099% -0.025% -0.044% ... ...
Komercni Banka % -0.115% -0.091% 0.006% -0.062% -0.060%
Modra Pyramida Stavebni Sporitelna % -0.164% -0.081% -0.170% -0.014% -0.091% ... ...
MONETA Money Bank % 0.278% 0.326% 0.530% -0.027% 0.277%
Moravsky Penezni Ustav % -0.111% 0.596% ... ... ... ... ...
PPF Banka % -0.064% -0.014% 0.154% -0.014% -0.086% ... ...
Raiffeisen Stavebni Sporitelna % 0.090% -0.036% ... ... ... ... ...
Raiffeisenbank Czech Republic % 0.071% 0.102% 0.571% -0.038% -0.674% ... ...
Sberbank Czech Republic % 0.318% 0.535% 0.604% 0.131% 0.381% ... ...
Stavebni Sporitelna Ceske Sporitelny % -0.477% -0.071% ... ... ... ... ...
UniCredit Czech Republic % 0.019% 0.121% 0.567% 0.174% 0.092% ... ...
Wustenrot Hypotecni banka % -0.063% 0.001% 0.232% 0.077% 0.096% ... ...
Wustenrot Stavebni Sporitelna % 0.432% 0.339% 0.123% 0.080% 0.119% ... ...
AVERAGE % 0.015% 0.043% 0.165% 0.183% 0.106% 0.044% 0.151% 0.152%