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Ceska Sporitelna

Largest Banks in Czechia by Profit

By Helgi Analytics - November 11, 2022

Czech banks reported a net profit of CZK 31,133 mil in the second quarter of 2022, up 53.7% when compared to previous year. This i...

Ceska Sporitelna - Market Share in Mortgage Loans

By Helgi Analytics - November 10, 2022

Ceska Sporitelna's mortgage loans reached CZK 375,800 mil in 2022-06-30, up 2.45% compared to the previous year. Czech banking ...

CS's total revenues rose 22.9% yoy to CZK 12,539 mil in 2Q2022

By Helgi Analytics - November 10, 2022

Ceska Sporitelna generated total banking revenues of CZK 12,539 mil in 2022-06-30, down 2.27% compared to the previous year. ...

Annual Quarterly
Profit Statement 2019 2020 2021
Net Interest Income CZK mil 30,261 29,099 31,083
Net Fee Income CZK mil 8,591 8,243 9,186
Other Income CZK mil 3,047 2,805 2,085
Total Revenues CZK mil 41,899 40,147 42,354
Staff Cost CZK mil 10,156 9,892 11,010
Operating Profit CZK mil 22,547 21,037 21,956
Provisions CZK mil -160 7,930 1,780
Net Profit CZK mil 17,743 10,006 14,208
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 411,650 424,838 364,994
Customer Loans CZK mil 720,739 749,415 821,840
Investments CZK mil 253,309 286,920 376,398
Total Assets CZK mil 1,458,650 1,537,780 1,641,740
Shareholders' Equity CZK mil 137,339 149,346 143,196
Interbank Borrowing CZK mil 292,111 91,335 49,695
Customer Deposits CZK mil 993,258 1,096,670 1,173,890
Issued Debt Securities CZK mil 9,621 169,498 213,357
Ratios 2019 2020 2021
ROE % 13.6 6.98 9.71
ROA % 1.23 0.668 0.894
Costs (As % Of Assets) % 1.34 1.28 1.28
Costs (As % Of Income) % 46.2 47.6 48.2
Capital Adequacy Ratio % 22.0 25.6 23.8
Net Interest Margin % 2.10 1.94 1.96
Loans (As % Of Deposits) % 72.6 68.3 70.0
NPLs (As % Of Loans) % 1.80 2.20 2.10
Provisions (As % Of NPLs) % 96.0 115 114
Growth Rates 2019 2020 2021
Total Revenue Growth % 7.19 -4.18 5.50
Operating Cost Growth % 5.59 -1.25 6.74
Operating Profit Growth % 8.60 -6.70 4.37
Net Profit Growth % 15.5 -43.6 42.0
Customer Loan Growth % 5.12 3.98 9.66
Total Asset Growth % 2.26 5.42 6.76
Customer Deposit Growth % 4.28 10.4 7.04
Shareholders' Equity Growth % 12.0 8.74 -4.12
Employees 9,678 9,820 9,711

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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 2021
income statement                                                
Net Interest Income CZK mil ... ...                               25,864 25,512 25,350 27,821 30,261    
Total Revenues CZK mil ... ...                               39,743 38,227 37,227 39,088 41,899    
Operating Profit CZK mil ... ...                               21,157 20,081 18,987 20,761 22,547    
Net Profit CZK mil ... ...                               14,293 15,457 14,610 15,362 17,743    
balance sheet                                                
Interbank Loans CZK mil ... ... ... ...                           34,717 22,328 157,525 389,844 411,650    
Customer Loans CZK mil ... ...                               532,524 577,453 638,694 685,639 720,739    
Investments CZK mil ... ... ... ...                           255,335 271,059 231,415 256,942 253,309    
Total Assets CZK mil ... ...                               959,584 1,066,530 1,329,220 1,426,460 1,458,650    
                                                   
Shareholders' Equity CZK mil ... ...                               119,963 121,730 120,975 122,657 137,339    
Interbank Borrowing CZK mil ... ... ... ...                           83,915 114,282 295,232 318,861 292,111    
Customer Deposits CZK mil ... ...                               713,836 788,873 883,237 952,506 993,258    
Issued Debt Securities CZK mil ... ...                               15,493 9,173 1,805 8,564 9,621    
ratios                                                
ROE % ... ... ...                             12.6 12.8 12.0 12.6 13.6    
ROA % ... ... ...                             1.54 1.53 1.22 1.11 1.23    
Costs (As % Of Assets) % ... ... ...                             2.00 1.79 1.52 1.33 1.34    
Costs (As % Of Income) % ... ...                               46.8 47.5 49.0 46.9 46.2    
Capital Adequacy Ratio % ... ...                               21.3 20.1 18.7 19.2 22.0    
Net Interest Margin % ... ... ...                             2.78 2.52 2.12 2.02 2.10    
Interest Income (As % Of Revenues) % ... ...                               65.1 66.7 68.1 71.2 72.2    
Fee Income (As % Of Revenues) % ... ...                               25.8 24.3 23.6 21.8 20.5    
Staff Cost (As % Of Total Cost) % ... ...                               47.4 50.5 50.6 52.1 52.5    
Equity (As % Of Assets) % ... ...                               12.5 11.4 9.10 8.60 9.42    
Loans (As % Of Deposits) % ... ...                               74.6 73.2 72.3 72.0 72.6    
Loans (As % Assets) % ... ...                               55.5 54.1 48.1 48.1 49.4    
NPLs (As % Of Loans) % ... ...                               3.82 3.12 2.10 1.80 1.80    
Provisions (As % Of NPLs) % ... ...                               73.0 84.1 90.3 99.2 96.0    
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 2021
income statement                                                
Interest Income CZK mil ... ...                               28,974 28,442 28,148 35,006 41,890    
Interest Cost CZK mil ... ...                               3,110 2,930 2,798 7,185 11,629    
Net Interest Income CZK mil ... ...                               25,864 25,512 25,350 27,821 30,261    
Net Fee Income CZK mil ... ...                               10,254 9,308 8,803 8,540 8,591    
Other Income CZK mil ... ...                               3,625 3,407 3,074 2,727 3,047    
Total Revenues CZK mil ... ...                               39,743 38,227 37,227 39,088 41,899    
Staff Cost CZK mil ... ...                               8,804 9,169 9,224 9,553 10,156    
Depreciation CZK mil ... ...                               2,154 2,114 2,046 2,001 2,604    
Other Cost CZK mil ... ...                               7,628 6,863 6,970 6,773 6,592    
Operating Cost CZK mil ... ...                               18,586 18,146 18,240 18,327 19,352    
Operating Profit CZK mil ... ...                               21,157 20,081 18,987 20,761 22,547    
Provisions CZK mil ... ...                               2,648 1,905 33.0 -288 -160    
Extra and Other Cost CZK mil ... ...                               569 -749 927 1,886 709    
Pre-Tax Profit CZK mil ... ...                               17,940 18,925 18,027 19,163 21,998    
Tax CZK mil ... ...                               3,645 3,470 3,415 3,801 4,229    
Minorities CZK mil ... ...                               2.00 -2.00 2.00 0 26.0    
Net Profit CZK mil ... ...                               14,293 15,457 14,610 15,362 17,743    
Net Profit Avail. to Common CZK mil ... ...                               14,293 15,457 14,610 15,362 17,743    
Dividends CZK mil ... ... ...                             13,423 11,552 11,704 ... ... ... ...
growth rates                                                
Net Interest Income Growth % ... ... ...                             -3.03 -1.36 -0.635 9.75 8.77    
Net Fee Income Growth % ... ... ...                             -9.30 -9.23 -5.43 -2.99 0.597    
Total Revenue Growth % ... ... ...                             -3.39 -3.81 -2.62 5.00 7.19    
Operating Cost Growth % ... ... ...                             1.93 -2.37 0.518 0.477 5.59    
Operating Profit Growth % ... ... ...                             -7.63 -5.09 -5.45 9.34 8.60    
Pre-Tax Profit Growth % ... ... ...                             -4.17 5.49 -4.75 6.30 14.8    
Net Profit Growth % ... ... ...                             -5.16 8.14 -5.48 5.15 15.5    
market share                                                
Market Share in Revenues % ... ...                               22.8 21.2 20.8 20.5 20.7   ...
Market Share in Net Profit % ... ...                               21.5 20.9 19.4 18.9 19.5   ...
Market Share in Employees %                                   25.5 25.3 24.5 24.2 23.3   ...
Market Share in Bank Cards %                                   27.3 26.0 25.0 24.3 22.5   ...
Market Share in Debit Cards % ... ...                               31.2 29.6 29.4 27.1 24.1   ...
Market Share in Credit Cards % ... ...                               13.3 11.2 9.72 11.0 10.9   ...
Market Share in Branches %                                   28.7 27.4 26.6 25.6 25.4   ...
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 2021
balance sheet                                                
Cash & Cash Equivalents CZK mil ... ... ... ...                           111,027 173,100 280,221 63,914 40,526    
Interbank Loans CZK mil ... ... ... ...                           34,717 22,328 157,525 389,844 411,650    
Customer Loans CZK mil ... ...                               532,524 577,453 638,694 685,639 720,739    
Retail Loans CZK mil ... ...                               302,306 318,000 349,400 383,500 410,400    
Mortgage Loans CZK mil ... ...                               186,813 209,600 233,400 259,700 280,500    
Consumer Loans CZK mil ... ...                               64,716 64,500 66,300 70,100 73,400    
Corporate Loans CZK mil ... ...                               207,572 233,100 255,924 254,800 257,000    
Investments CZK mil ... ... ... ...                           255,335 271,059 231,415 256,942 253,309    
Property and Equipment CZK mil ... ... ... ... ...                         12,318 10,456 9,913 9,396 12,543    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     3,966 4,284 4,854 5,247 5,801    
Total Assets CZK mil ... ...                               959,584 1,066,530 1,329,220 1,426,460 1,458,650    
                                                   
Shareholders' Equity CZK mil ... ...                               119,963 121,730 120,975 122,657 137,339    
Of Which Minority Interest CZK mil ... ...                               -23.0 166 165 184 210    
Liabilities CZK mil ... ...                               839,621 944,796 1,208,250 1,303,810 1,321,310    
Interbank Borrowing CZK mil ... ... ... ...                           83,915 114,282 295,232 318,861 292,111    
Customer Deposits CZK mil ... ...                               713,836 788,873 883,237 952,506 993,258    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ...                 569,636 579,900 619,400 672,000 709,900    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ...                 144,200 151,700 201,500 218,600 219,500    
Issued Debt Securities CZK mil ... ...                               15,493 9,173 1,805 8,564 9,621    
Other Liabilities CZK mil ... ... ... ...                           26,377 32,468 27,974 23,877 26,322    
asset quality                                                
Non-Performing Loans CZK mil ... ...                               20,905 18,479 13,672 12,566 13,126    
Gross Loans CZK mil ... ...                               547,785 593,000 651,034 698,104 729,200    
Risk-Weighted Assets CZK mil ... ... ... ...                           468,250 484,319 535,828 533,900 544,500    
Total Provisions CZK mil ... ...                               15,261 15,547 12,340 12,465 12,601    
growth rates                                                
Customer Loan Growth % ... ... ...                             6.50 8.44 10.6 7.35 5.12    
Retail Loan Growth % ... ... ...                             6.43 5.19 9.87 9.76 7.01    
Mortgage Loan Growth % ... ... ...                             11.8 12.2 11.4 11.3 8.01    
Consumer Loan Growth % ... ... ...                             -3.92 -0.334 2.79 5.73 4.71    
Corporate Loan Growth % ... ... ...                             4.81 12.3 9.79 -0.439 0.863    
Total Asset Growth % ... ... ...                             6.31 11.1 24.6 7.32 2.26    
Shareholders' Equity Growth % ... ... ...                             11.3 1.47 -0.620 1.39 12.0    
Customer Deposit Growth % ... ... ...                             4.91 10.5 12.0 7.84 4.28    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ...               4.76 1.80 6.81 8.49 5.64    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ...               5.49 5.20 32.8 8.49 0.412    
market share                                                
Market Share in Customer Loans % ... ...                               19.1 19.6 20.7 20.7 20.9    
Market Share in Corporate Loans % ... ...                               22.5 23.9 25.0 23.6 22.9    
Market Share in Retail Loans % ... ...                               18.4 17.6 17.4 17.5 17.7    
Market Share in Consumer Loans % ... ...                               22.8 22.4 22.8 23.3 23.5    
Market Share in Mortgage Loans % ... ...                               19.2 19.9 20.3 20.8 21.1    
Market Share in Total Assets % ... ...                               17.3 17.7 18.8 19.5 19.3    
Market Share in Customer Deposits % ... ...                               20.3 20.9 21.2 21.4 21.0    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...                 28.0 26.2 26.1 26.3 26.0    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...                 15.6 16.6 20.2 21.0 20.0    
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 2021
                                                 
ROE % ... ... ...                             12.6 12.8 12.0 12.6 13.6    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   13.0 13.2 12.5 13.2 14.3    
ROE (@ 15% of RWA) % ... ... ... ... ...                         21.3 21.6 19.1 19.1 21.9    
ROA % ... ... ...                             1.54 1.53 1.22 1.11 1.23    
Return on Loans % ... ... ...                             2.77 2.79 2.40 2.32 2.52    
Operating Profit (As % of RWA) % ... ... ... ... ...                         4.73 4.22 3.72 3.88 4.18    
Costs (As % Of Assets) % ... ... ...                             2.00 1.79 1.52 1.33 1.34    
Costs (As % Of Income) % ... ...                               46.8 47.5 49.0 46.9 46.2    
Costs (As % Of Loans) % ... ... ...                             3.60 3.27 3.00 2.77 2.75    
Costs (As % Of Loans & Deposits) % ... ... ...                             1.53 1.39 1.26 1.16 1.15    
Capital Adequacy Ratio % ... ...                               21.3 20.1 18.7 19.2 22.0    
Tier 1 Ratio % ... ...                               21.2 19.5 18.1 18.4 21.4    
Net Interest Margin % ... ... ...                             2.78 2.52 2.12 2.02 2.10    
Interest Spread % ... ... ...                             2.73 2.48 2.09 1.97 2.02    
Asset Yield % ... ... ...                             3.11 2.81 2.35 2.54 2.90    
Revenues (As % of RWA) % ... ... ... ... ...                         8.89 8.03 7.30 7.31 7.77    
Cost Of Liabilities % ... ... ...                             0.381 0.328 0.260 0.572 0.886    
Payout Ratio % ... ... ...                             93.9 74.7 80.1 ... ... ... ...
Interest Income (As % Of Revenues) % ... ...                               65.1 66.7 68.1 71.2 72.2    
Fee Income (As % Of Revenues) % ... ...                               25.8 24.3 23.6 21.8 20.5    
Other Income (As % Of Revenues) % ... ...                               9.12 8.91 8.26 6.98 7.27    
Staff Cost (As % Of Total Cost) % ... ...                               47.4 50.5 50.6 52.1 52.5    
Equity (As % Of Assets) % ... ...                               12.5 11.4 9.10 8.60 9.42    
Equity (As % Of Loans) % ... ...                               22.5 21.1 18.9 17.9 19.1    
Loans (As % Of Deposits) % ... ...                               74.6 73.2 72.3 72.0 72.6    
Loans (As % Assets) % ... ...                               55.5 54.1 48.1 48.1 49.4    
NPLs (As % Of Loans) % ... ...                               3.82 3.12 2.10 1.80 1.80    
Provisions (As % Of NPLs) % ... ...                               73.0 84.1 90.3 99.2 96.0    
Provisions (As % Of Loans) % ... ...                               2.87 2.69 1.93 1.82 1.75    
Cost of Provisions (As % Of Loans) % ... ... ...                             0.513 0.343 0.005 -0.043 -0.023    
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 2021
                                                 
Branches                                   621 561 517 501 483    
ATMs ... ... ... ...                           1,589 1,642 1,704 1,783 1,832    
ATMs (As % of Bank Branches) % ... ... ... ...                           256 293 330 356 379    
Employees                                   10,501 10,371 10,248 10,115 9,678    
Employees Per Bank Branch                                   16.9 18.5 19.8 20.2 20.0    
Cost Per Employee USD per month ... ...                               2,927 2,920 3,197 3,597 3,879    
Cost Per Employee (Local Currency) CZK per month ... ...                               69,866 73,675 75,007 78,703 87,449    
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 2021
                                                 
Customers mil ... ... ...                             4.79 4.71 4.67 4.63 4.60    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.44 1.51 1.58   ...
Payment Cards mil                                   3.12 2.95 2.83 2.87 2.92    
Debit Cards mil ... ...                               2.85 2.74 2.64 2.69 2.75    
Credit Cards mil ... ...                               0.269 0.210 0.185 0.177 0.171    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.146 0.155 0.168 0.179 0.194   ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,282,000 1,352,000 1,393,000 1,451,000 1,444,000   ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 30.8 32.7 34.3   ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     3.04 3.29 3.58 3.86 4.23   ...
Payments Cards (As % of Total Clients) % ... ... ...                             65.2 62.6 60.5 61.9 63.5    
Debit Cards (As % of Total Clients) % ... ... ...                             59.5 58.1 56.5 58.0 59.8    
Credit Cards (As % of Total Clients) % ... ... ...                             5.61 4.46 3.96 3.83 3.72    
Revenue per Customer (Local Currency) CZK ... ... ...                             8,303 8,121 7,964 8,434 9,114    
Net Profit per Customer (Local Currency) CZK ... ... ...                             2,986 3,284 3,126 3,315 3,860    
Loan per Customer (Local Currency) CZK ... ... ...                             111,252 122,677 136,643 147,948 156,779    
Deposit per Customer (Local Currency) CZK ... ... ...                             149,131 167,592 188,961 205,532 216,058    
Revenue per Customer USD ... ... ...                             348 322 339 386 404    
Net Profit per Customer USD ... ... ...                             125 130 133 152 171    
Loan per Customer USD ... ... ...                             4,482 4,785 6,418 6,585 6,931    
Deposit per Customer USD ... ... ...                             6,008 6,537 8,875 9,149 9,551    

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Ceska Sporitelna - Market Share in Bank Deposits

By Helgi Analytics - November 10, 2022

Ceska Sporitelna's customer deposits reached CZK 1,344,480 mil in 2Q2022, up 1.53% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,340 bil in 2Q2022, up 2.73% when compared to the last year. Ceska Sporitelna account...

Ceska Sporitelna - Market Share in Bank Loans

By Helgi Analytics - November 10, 2022

Ceska Sporitelna's customer loans reached CZK 865,350 mil in 2022-06-30, up 2.95% compared to the previous year. Czech banking sector provided customer loans of CZK 3,958 bil in 2022-06-30, up 0.834% when compared to the last year. Ceska Sporitelna accoun...

CS's branches fell 0.748% yoy to 398 in 3Q2022

By Helgi Analytics - November 10, 2022

Ceska Sporitelna employed 9,893 persons in 2022-09-30, up 0.764% 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 9,673 in 2021-09-30. The bank operated a network of ...

Ceska Sporitelna - Market Share in Retail Loans

By Helgi Analytics - November 10, 2022

Ceska Sporitelna's retail loans reached CZK 513,667 mil in the second quarter of 2022, up 2.09% compared to the previous year. Czech banking sector provided retail loans of CZK 2,100 bil in 2Q2022, up 0.711% when compared to the last year. Ceska Sporiteln...

CS's net interest margin rose 11.3% yoy to 1.99% in 3Q2022

By Helgi Analytics - November 10, 2022

Ceska Sporitelna's net interest margin amounted to 1.99% in the third quarter of 2022, up from 1.98% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.77% in 4Q2008 and an all time low of 1...

CS's employees rose 2.27% yoy to 9,893 in 3Q2022

By Helgi Analytics - November 10, 2022

Ceska Sporitelna employed 9,893 persons in 2022-09-30, up 0.764% 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 9,673 in 2021-09-30. Average cost reached USD 4,124 ...

Three Largest Mortgage Lenders in Czechia

By Helgi Analytics - November 7, 2022

Mortgage loans grew 8.80% yoy in the last 12 months and were up 0.673% qoq in the last quarter. At the end of June, mortgages formed 41.4% of total loans and 24.4% of GDP. Overall, CSOB was the largest mortgage lender with 30.5% of the mark...

CS's corporate loans rose 27.8% yoy to CZK 345,041 mil in 3Q2022

By Helgi Analytics - November 16, 2022

Ceska Sporitelna's loans reached CZK 932,084 mil in the third quarter of 2022, up from CZK 884,209 mil when compared to the previous quarter and up from CZK 824,700 mil when compared to the same period of last year. Historically, the bank’s loans re...

Ceska Sporitelna - Market Share in Corporate Deposits

By Helgi Analytics - November 10, 2022

Ceska Sporitelna's corporate deposits reached CZK 274,100 mil in 2022-06-30, up 1.14% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,323 bil in 2022-06-30, down 0.868% when compared to the last year. Ceska Sporite...

CS's payment cards rose 7.17% yoy to 3.28 mil in 2Q2022

By Helgi Analytics - November 10, 2022

Ceska Sporitelna has issued total of 3.28 mil payment cards at the end of 2022-06-30, up 2.25% compared to the previous year. Czech banking sector banking sector issued total of 13.1 mil of bank cards in 2022-06-30, down 2.17% when compared to the last...

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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 -0.395% and 6.28% a year on average in the last 10 years. Its loans and deposits have grown by 5.85% and 5.73% a year during that time and loans to deposits ratio reached 70.0% at the end of 2021. The company achieved an average return on equity of 13.0% in the last decade with net profit growing 0.410% a year on average. In terms of operating efficiency, its cost to income ratio reached 48.2% in 2021, compared to 46.0% average in the last decade.

Equity represented 8.72% of total assets or 17.4% of loans at the end of 2021. Ceska Sporitelna's non-performing loans were 2.10% of total loans while provisions covered some 114% of NPLs at the end of 2021.

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