By Helgi Analytics - March 2, 2022
Ceska Sporitelna's mortgage loans reached CZK 356,159 mil in 2021-12-31, up 4.23% compared to the previous year. Czech banking ...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna's customer deposits reached CZK 1,173,890 mil in 4Q2021, down 6.48% compared to the previous year. Czech banki...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna's retail deposits reached CZK 900,000 mil in 2021-12-31, up 0.806% compared to the previous year. Czech bankin...
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 | 374,718 |
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 |
Get all company financials in excel:
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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By Helgi Analytics - March 2, 2022
Ceska Sporitelna employed 9,711 persons in 2021-12-31, up 0.393% 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 ...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna's retail loans reached CZK 487,960 mil in the fourth quarter of 2021, up 3.82% compared to the previous year. Czech banking sector provided retail loans of CZK 2,043 bil in 4Q2021, up 2.65% when compared to the last year. Ceska Sporitelna...
By Helgi Analytics - August 1, 2022
Mortgage loans grew 9.55% yoy in the last 12 months and were up 2.80% qoq in the last quarter. At the end of June, mortgages formed 40.7% of total loans and 25.5% of GDP. Overall, CSOB was the largest mortgage lender with 31.3% of the marke...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna's net interest margin amounted to 2.06% in the fourth quarter of 2021, up from 1.79% 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 ...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna's customer loans reached CZK 821,840 mil in 2021-12-31, up 2.05% compared to the previous year. Czech banking sector provided customer loans of CZK 3,848 bil in 2021-12-31, up 1.87% when compared to the last year. Ceska Sporitelna account...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna employed 9,711 persons in 2021-12-31, up 0.393% 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 4,779 ...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna's capital adequacy ratio reached 23.8% at the end of fourth quarter of 2021, up from 23.5% 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 4Q2007....
By Helgi Analytics - August 1, 2022
Czech banks reported a net profit of CZK 20,258 mil in the second quarter of 2021, up 68.5% when compared to previous year. This implies ROE of 11.8% in 2Q2021. In the last twelve months, profits fell 27.9% yoy to CZK 51,966 mil and ROE rea...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna made a net profit of CZK 3,402 mil in the fourth quarter of 2021, up 63.2% when compared to the same period of last year. This implies a return on equity of 9.27%. Historically, the bank’s net profit reached an all time high of CZK 4,863 mil in 2...
By Helgi Analytics - March 2, 2022
Ceska Sporitelna made a net profit of CZK 3,402 mil under revenues of CZK 11,366 mil in the fourth quarter of 2021, up 63.2% and 12.9% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK...
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.
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.