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Ceska Sporitelna

CS's mortgage loans rose 8.98% yoy to CZK 305,700 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Ceska Sporitelna's mortgage loans reached CZK 305,700 mil in 2020-12-31, up 2.24% compared to the previous year. Czech banking ...

CS's net interest margin rose 4.09% yoy to 1.71% in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna's net interest margin amounted to 1.71% in the second quarter of 2021, down from 1.79% when compared to the pre...

CS's customer deposits rose 10.4% yoy to CZK 1,096,670 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Ceska Sporitelna's customer deposits reached CZK 1,096,670 mil in 2020-12-31, down 4.17% compared to the previous year. Czech b...

Profit Statement 2018 2019 2020
Net Interest Income CZK mil 27,821 30,261 29,099
Net Fee Income CZK mil 8,540 8,591 8,243
Other Income CZK mil 2,727 3,047 2,805
Total Revenues CZK mil 39,088 41,899 40,147
Staff Cost CZK mil 9,553 10,156 9,892
Operating Profit CZK mil 20,761 22,547 21,037
Provisions CZK mil -288 -160 7,930
Net Profit CZK mil 15,362 17,743 10,006
Balance Sheet 2018 2019 2020
Interbank Loans CZK mil 389,844 411,650 424,838
Customer Loans CZK mil 685,639 720,739 749,415
Investments CZK mil 256,942 253,309 286,920
Total Assets CZK mil 1,426,460 1,458,650 1,537,780
Shareholders' Equity CZK mil 122,657 137,339 149,346
Interbank Borrowing CZK mil 318,861 292,111 91,335
Customer Deposits CZK mil 952,506 993,258 1,096,670
Issued Debt Securities CZK mil 8,564 9,621 169,498
Ratios 2018 2019 2020
ROE % 12.6 13.6 6.98
ROA % 1.11 1.23 0.668
Costs (As % Of Assets) % 1.33 1.34 1.28
Costs (As % Of Income) % 46.9 46.2 47.6
Capital Adequacy Ratio % 19.2 22.0 25.6
Net Interest Margin % 2.02 2.10 1.94
Loans (As % Of Deposits) % 72.0 72.6 68.3
NPLs (As % Of Loans) % 1.80 1.80 2.20
Provisions (As % Of NPLs) % 99.2 96.0 115
Growth Rates 2018 2019 2020
Total Revenue Growth % 5.00 7.19 -4.18
Operating Cost Growth % 0.477 5.59 -1.25
Operating Profit Growth % 9.34 8.60 -6.70
Net Profit Growth % 5.15 15.5 -43.6
Customer Loan Growth % 7.35 5.12 3.98
Total Asset Growth % 7.32 2.26 5.42
Customer Deposit Growth % 7.84 4.28 10.4
Shareholders' Equity Growth % 1.39 12.0 8.74
Employees 10,115 9,678 9,820

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summary Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                              
Net Interest Income CZK mil ... ...                             26,672 25,864 25,512 25,350 27,821    
Total Revenues CZK mil ... ...                             41,138 39,743 38,227 37,227 39,088    
Operating Profit CZK mil ... ...                             22,904 21,157 20,081 18,987 20,761    
Net Profit CZK mil ... ...                             15,070 14,293 15,457 14,610 15,362    
balance sheet                                              
Interbank Loans CZK mil ... ... ... ...                         38,533 34,717 22,328 157,525 389,844    
Customer Loans CZK mil ... ...                             500,039 532,524 577,453 638,694 685,639    
Investments CZK mil ... ... ... ...                         276,183 255,335 271,059 231,415 256,942    
Total Assets CZK mil ... ...                             902,589 959,584 1,066,530 1,329,220 1,426,460    
                                                 
Shareholders' Equity CZK mil ... ...                             107,783 119,963 121,730 120,975 122,657    
Interbank Borrowing CZK mil ... ... ... ...                         54,570 83,915 114,282 295,232 318,861    
Customer Deposits CZK mil ... ...                             680,439 713,836 788,873 883,237 952,506    
Issued Debt Securities CZK mil ... ...                             23,833 15,493 9,173 1,805 8,564    
ratios                                              
ROE % ... ... ...                           14.4 12.6 12.8 12.0 12.6    
ROA % ... ... ...                           1.61 1.54 1.53 1.22 1.11    
Costs (As % Of Assets) % ... ... ...                           1.95 2.00 1.79 1.52 1.33    
Costs (As % Of Income) % ... ...                             44.3 46.8 47.5 49.0 46.9    
Capital Adequacy Ratio % ... ...                             18.5 21.3 20.1 18.7 19.2    
Net Interest Margin % ... ... ...                           2.85 2.78 2.52 2.12 2.02    
Interest Income (As % Of Revenues) % ... ...                             64.8 65.1 66.7 68.1 71.2    
Fee Income (As % Of Revenues) % ... ...                             27.5 25.8 24.3 23.6 21.8    
Staff Cost (As % Of Total Cost) % ... ...                             47.3 47.4 50.5 50.6 52.1    
Equity (As % Of Assets) % ... ...                             11.9 12.5 11.4 9.10 8.60    
Loans (As % Of Deposits) % ... ...                             73.5 74.6 73.2 72.3 72.0    
Loans (As % Assets) % ... ...                             55.4 55.5 54.1 48.1 48.1    
NPLs (As % Of Loans) % ... ...                             4.43 3.82 3.12 2.10 1.80    
Provisions (As % Of NPLs) % ... ...                             70.7 73.0 84.1 90.3 99.2    
income statement Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                                              
Interest Income CZK mil ... ...                             30,832 28,974 28,442 28,148 35,006   ...
Interest Cost CZK mil ... ...                             4,160 3,110 2,930 2,798 7,185   ...
Net Interest Income CZK mil ... ...                             26,672 25,864 25,512 25,350 27,821    
Net Fee Income CZK mil ... ...                             11,306 10,254 9,308 8,803 8,540    
Other Income CZK mil ... ...                             3,160 3,625 3,407 3,074 2,727    
Total Revenues CZK mil ... ...                             41,138 39,743 38,227 37,227 39,088    
Staff Cost CZK mil ... ...                             8,632 8,804 9,169 9,224 9,553    
Depreciation CZK mil ... ...                             2,271 2,154 2,114 2,046 2,001    
Other Cost CZK mil ... ...                             7,331 7,628 6,863 6,970 6,773    
Operating Cost CZK mil ... ...                             18,234 18,586 18,146 18,240 18,327    
Operating Profit CZK mil ... ...                             22,904 21,157 20,081 18,987 20,761    
Provisions CZK mil ... ...                             3,728 2,648 1,905 33.0 -288    
Extra and Other Cost CZK mil ... ...                             456 569 -749 927 1,886    
Pre-Tax Profit CZK mil ... ...                             18,720 17,940 18,925 18,027 19,163    
Tax CZK mil ... ...                             3,650 3,645 3,470 3,415 3,801    
Minorities CZK mil ... ...                             -1.00 2.00 -2.00 2.00 0    
Net Profit CZK mil ... ...                             15,070 14,293 15,457 14,610 15,362    
Net Profit Avail. to Common CZK mil ... ...                             15,070 14,293 15,457 14,610 15,362    
Dividends CZK mil ... ... ...                           11,400 13,423 11,552 11,704 3,061 ... ...
growth rates                                              
Net Interest Income Growth % ... ... ...                           -4.44 -3.03 -1.36 -0.635 9.75    
Net Fee Income Growth % ... ... ...                           0.107 -9.30 -9.23 -5.43 -2.99    
Total Revenue Growth % ... ... ...                           -1.79 -3.39 -3.81 -2.62 5.00    
Operating Cost Growth % ... ... ...                           3.64 1.93 -2.37 0.518 0.477    
Operating Profit Growth % ... ... ...                           -5.71 -7.63 -5.09 -5.45 9.34    
Pre-Tax Profit Growth % ... ... ...                           -3.91 -4.17 5.49 -4.75 6.30    
Net Profit Growth % ... ... ...                           -3.32 -5.16 8.14 -5.48 5.15    
market share                                              
Market Share in Revenues % ... ...                             24.5 22.8 21.2 20.8 20.5 ... ...
Market Share in Net Profit % ... ...                             23.9 21.5 21.0 19.4 18.9 ... ...
Market Share in Employees %                                 25.9 25.5 25.3 24.5 24.2 ... ...
Market Share in Bank Cards %                                 0.029 0.027 0.026 0.025 0.024 ... ...
Market Share in Debit Cards % ... ...                             0.033 0.031 0.030 0.029 0.027 ... ...
Market Share in Credit Cards % ... ...                             0.014 0.013 0.011 0.010 0.010 ... ...
Market Share in Branches %                                 29.1 28.7 27.4 26.6 25.6 ... ...
balance sheet Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
balance sheet                                              
Cash & Cash Equivalents CZK mil ... ... ... ...                         54,489 111,027 173,100 280,221 63,914    
Interbank Loans CZK mil ... ... ... ...                         38,533 34,717 22,328 157,525 389,844    
Customer Loans CZK mil ... ...                             500,039 532,524 577,453 638,694 685,639    
Retail Loans CZK mil ... ...                             284,029 302,306 318,000 349,400 383,500    
Mortgage Loans CZK mil ... ...                             167,160 186,813 209,600 233,400 259,700    
Consumer Loans CZK mil ... ...                             67,356 64,716 64,500 66,300 70,100    
Corporate Loans CZK mil ... ...                             198,044 207,572 233,100 255,924 254,800    
Investments CZK mil ... ... ... ...                         276,183 255,335 271,059 231,415 256,942    
Property and Equipment CZK mil ... ... ... ... ...                       13,431 12,318 10,456 9,913 14,643    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Total Assets CZK mil ... ...                             902,589 959,584 1,066,530 1,329,220 1,426,460    
                                                 
Shareholders' Equity CZK mil ... ...                             107,783 119,963 121,730 120,975 122,657    
Of Which Minority Interest CZK mil ... ...                             -26.0 -23.0 166 165 184    
Liabilities CZK mil ... ...                             794,806 839,621 944,796 1,208,250 1,303,810    
Interbank Borrowing CZK mil ... ... ... ...                         54,570 83,915 114,282 295,232 318,861    
Customer Deposits CZK mil ... ...                             680,439 713,836 788,873 883,237 952,506    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ...               543,739 569,636 579,900 619,400 672,000    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ...               136,700 144,200 151,700 201,500 218,600    
Issued Debt Securities CZK mil ... ...                             23,833 15,493 9,173 1,805 8,564    
Other Liabilities CZK mil ... ... ... ...                         35,964 26,377 32,468 27,974 23,877    
asset quality                                              
Non-Performing Loans CZK mil ... ...                             22,894 20,905 18,479 13,672 12,566    
Gross Loans CZK mil ... ...                             516,228 547,785 593,000 651,034 698,104    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 533,900    
Total Provisions CZK mil ... ...                             16,189 15,261 15,547 12,340 12,465    
growth rates                                              
Customer Loan Growth % ... ... ...                           2.22 6.50 8.44 10.6 7.35    
Retail Loan Growth % ... ... ...                           2.95 6.43 5.19 9.87 9.76    
Mortgage Loan Growth % ... ... ...                           7.78 11.8 12.2 11.4 11.3    
Consumer Loan Growth % ... ... ...                           -3.42 -3.92 -0.334 2.79 5.73    
Corporate Loan Growth % ... ... ...                           0.612 4.81 12.3 9.79 -0.439    
Total Asset Growth % ... ... ...                           -6.83 6.31 11.1 24.6 7.32    
Shareholders' Equity Growth % ... ... ...                           6.74 11.3 1.47 -0.620 1.39    
Customer Deposit Growth % ... ... ...                           -6.35 4.91 10.5 12.0 7.84    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ...             -8.98 4.76 1.80 6.81 8.49    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ...             5.80 5.49 5.20 32.8 8.49    
market share                                              
Market Share in Customer Loans % ... ...                             19.0 19.1 19.6 20.7 20.7    
Market Share in Corporate Loans % ... ...                             22.6 22.5 23.9 25.0 23.6    
Market Share in Retail Loans % ... ...                             20.4 18.4 17.6 17.4 17.5    
Market Share in Consumer Loans % ... ...                             23.1 22.8 22.4 22.8 23.3    
Market Share in Mortgage Loans % ... ...                             18.6 19.2 19.9 20.3 20.8    
Market Share in Total Assets % ... ...                             16.8 17.3 17.7 18.8 19.5    
Market Share in Customer Deposits % ... ...                             19.8 20.3 20.9 21.2 21.4    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...               28.3 28.0 26.2 26.1 26.3    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...               16.3 15.6 16.6 20.2 21.0    
ratios Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                               
ROE % ... ... ...                           14.4 12.6 12.8 12.0 12.6    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
ROA % ... ... ...                           1.61 1.54 1.53 1.22 1.11    
Return on Loans % ... ... ...                           3.05 2.77 2.79 2.40 2.32    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Costs (As % Of Assets) % ... ... ...                           1.95 2.00 1.79 1.52 1.33    
Costs (As % Of Income) % ... ...                             44.3 46.8 47.5 49.0 46.9    
Costs (As % Of Loans) % ... ... ...                           3.69 3.60 3.27 3.00 2.77    
Costs (As % Of Loans & Deposits) % ... ... ...                           1.52 1.53 1.39 1.26 1.16    
Capital Adequacy Ratio % ... ...                             18.5 21.3 20.1 18.7 19.2    
Tier 1 Ratio % ... ...                             18.4 21.2 19.5 18.1 18.4    
Net Interest Margin % ... ... ...                           2.85 2.78 2.52 2.12 2.02    
Interest Spread % ... ... ...                           2.79 2.73 2.48 2.09 1.97   ...
Asset Yield % ... ... ...                           3.30 3.11 2.81 2.35 2.54   ...
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Cost Of Liabilities % ... ... ...                           0.500 0.381 0.328 0.260 0.572   ...
Payout Ratio % ... ... ...                           75.6 93.9 74.7 80.1 19.9 ... ...
Interest Income (As % Of Revenues) % ... ...                             64.8 65.1 66.7 68.1 71.2    
Fee Income (As % Of Revenues) % ... ...                             27.5 25.8 24.3 23.6 21.8    
Other Income (As % Of Revenues) % ... ...                             7.68 9.12 8.91 8.26 6.98    
Staff Cost (As % Of Total Cost) % ... ...                             47.3 47.4 50.5 50.6 52.1    
Equity (As % Of Assets) % ... ...                             11.9 12.5 11.4 9.10 8.60    
Equity (As % Of Loans) % ... ...                             21.6 22.5 21.1 18.9 17.9    
Loans (As % Of Deposits) % ... ...                             73.5 74.6 73.2 72.3 72.0    
Loans (As % Assets) % ... ...                             55.4 55.5 54.1 48.1 48.1    
NPLs (As % Of Loans) % ... ...                             4.43 3.82 3.12 2.10 1.80    
Provisions (As % Of NPLs) % ... ...                             70.7 73.0 84.1 90.3 99.2    
Provisions (As % Of Loans) % ... ...                             3.24 2.87 2.69 1.93 1.82    
Cost of Provisions (As % Of Loans) % ... ... ...                           0.754 0.513 0.343 0.005 -0.043    
other data Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                               
Branches                                 644 621 561 517 501    
ATMs ... ... ... ...                         1,561 1,589 1,642 1,704 1,783    
ATMs (As % of Bank Branches) % ... ... ... ...                         242 256 293 330 356    
Employees                                 10,471 10,501 10,371 10,248 10,115    
Employees Per Bank Branch                                 16.3 16.9 18.5 19.8 20.2    
Cost Per Employee USD per month ... ...                             3,214 2,927 2,920 3,197 3,597    
Cost Per Employee (Local Currency) CZK per month ... ...                             68,698 69,866 73,675 75,007 78,703    
customer breakdown Unit 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                                               
Customers mil ... ... ...                           4.92 4.79 4.71 4.67 4.63    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.44 1.51    
Payment Cards mil                                 3.14 3.12 2.95 2.83 2.87    
Debit Cards mil ... ...                             2.86 2.85 2.74 2.64 2.69    
Credit Cards mil ... ...                             0.290 0.269 0.210 0.185 0.177    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0.132 0.146 0.155 0.168 0.179    
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   1,266,000 1,282,000 1,352,000 1,393,000 1,451,000    
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 30.8 32.7    
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   2.68 3.04 3.29 3.58 3.86    
Payments Cards (As % of Total Clients) % ... ... ...                           63.9 65.2 62.6 60.5 61.9    
Debit Cards (As % of Total Clients) % ... ... ...                           58.0 59.5 58.1 56.5 58.0    
Credit Cards (As % of Total Clients) % ... ... ...                           5.89 5.61 4.46 3.96 3.83    
Revenue per Customer (Local Currency) CZK ... ... ...                           8,360 8,303 8,121 7,964 8,434    
Net Profit per Customer (Local Currency) CZK ... ... ...                           3,063 2,986 3,284 3,126 3,315    
Loan per Customer (Local Currency) CZK ... ... ...                           101,619 111,252 122,677 136,643 147,948    
Deposit per Customer (Local Currency) CZK ... ... ...                           138,280 149,131 167,592 188,961 205,532    
Revenue per Customer USD ... ... ...                           391 348 322 339 386    
Net Profit per Customer USD ... ... ...                           143 125 130 133 152    
Loan per Customer USD ... ... ...                           4,435 4,482 4,785 6,418 6,585    
Deposit per Customer USD ... ... ...                           6,035 6,008 6,537 8,875 9,149    

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CS's capital adequacy ratio rose 0.523% yoy to 25.4% in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna's capital adequacy ratio reached 25.4% at the end of second quarter of 2021, down from 25.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 25.6% in 4Q2020 and an all time low of 9.40% in 4Q200...

CS's branches fell 6.80% yoy to 425 in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna employed 9,701 persons in 2021-06-30, down 1.04% compared to the previous year. Historically, the bank's workforce hit an all time high of 12,999 persons in 2002-12-31 and an all time low of 9,678 in 2019-12-31. The bank operated a network of ...

CS's retail deposits rose 13.3% yoy to CZK 804,400 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Ceska Sporitelna's retail deposits reached CZK 804,400 mil in 2020-12-31, up 3.47% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,057 bil in 2020-12-31, up 3.25% when compared to the last year. Ceska Sporitelna accou...

CS's employees fell 2.46% yoy to 9,701 in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna employed 9,701 persons in 2021-06-30, down 1.04% when compared to the previous year. Historically, the bank's workforce hit an all time high of 12,999 persons in 2002-12-31 and an all time low of 9,678 in 2019-12-31. Average cost reached USD 3,992...

CS's customer loans rose 3.98% yoy to CZK 749,415 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Ceska Sporitelna's customer loans reached CZK 749,415 mil in 2020-12-31, down 1.45% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020-12-31, down 0.651% when compared to the last year. Ceska Sporitelna ac...

CS's retail loans rose 6.90% yoy to CZK 438,700 mil in 4Q2020

By Helgi Analytics - March 25, 2021

Ceska Sporitelna's retail loans reached CZK 438,700 mil in the fourth quarter of 2020, up 1.48% compared to the previous year. Czech banking sector provided retail loans of CZK 1,859 bil in 4Q2020, up 1.85% when compared to the last year. Ceska Sporitelna...

CS's net profit rose 171% yoy to CZK 3,907 mil in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna made a net profit of CZK 3,907 mil in the second quarter of 2021, up 171% when compared to the same period of last year. This implies a return on equity of 10.3%. Historically, the bank’s net profit reached an all time high of CZK 4,863 mil in 2Q...

CS's net profit rose 171% yoy to CZK 3,907 mil in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna made a net profit of CZK 3,907 mil under revenues of CZK 10,204 mil in the second quarter of 2021, up 171% and 5.75% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK ...

CS's costs (as % of assets) fell 0.108% yoy to 1.14% in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna's cost to income ratio reached 47.4% in the second quarter of 2021, down from 51.0% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 64.6% of income in 3Q2002 and an all time low of 39.8% in 3...

CS's corporate loans fell 0.524% yoy to CZK 266,000 mil in 2Q2021

By Helgi Analytics - September 23, 2021

Ceska Sporitelna's loans reached CZK 805,888 mil in the second quarter of 2021, up from CZK 781,130 mil when compared to the previous quarter and up from CZK 764,500 mil when compared to the same period of last year. Historically, the bank’s loans r...

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Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of almost 500 branches and 1,800 ATMs (2019), it serviced some 5 million retail clients in 2019. Following hefty loan losses and a government-orchestrated bailout at the end of the 1990s, the bank was sold to Austria's Erste Bank in 2000.

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Finance

Ceska Sporitelna has been growing its revenues and asset by -1.23% and 5.72% a year on average in the last 10 years. Its loans and deposits have grown by 5.45% and 5.04% a year during that time and loans to deposits ratio reached 68.3% at the end of 2020. The company achieved an average return on equity of 13.8% in the last decade with net profit growing -1.84% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.6% in 2020, compared to 45.4% average in the last decade.

Equity represented 9.71% of total assets or 19.9% of loans at the end of 2020. Ceska Sporitelna's non-performing loans were 2.20% of total loans while provisions covered some 115% of NPLs at the end of 2020.