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Ceska Sporitelna

CS's mortgage loans rose 9.65% yoy to CZK 419,576 mil in 3Q2023

By Helgi Library - November 22, 2023

Ceska Sporitelna's mortgage loans reached CZK 419,576 mil in 3Q2023, up 1.10% compared to the previous year. Czech banking sect...

CS's customer deposits rose 6.26% yoy to CZK 1,428,657 mil in 2Q2023

By Helgi Library - September 29, 2023

Ceska Sporitelna's customer deposits reached CZK 1,428,657 mil in 2Q2023, up 4.53% compared to the previous year. Czech banking...

CS's customer loans rose 10.1% yoy to CZK 953,034 mil in 2Q2023

By Helgi Library - September 29, 2023

Ceska Sporitelna's customer loans reached CZK 953,034 mil in 2023-06-30, up 5.36% compared to the previous year. Czech banking ...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 29,099 31,083 36,719
Net Fee Income CZK mil 8,243 9,186 9,504
Other Income CZK mil 2,805 2,085 3,652
Total Revenues CZK mil 40,147 42,354 49,875
Staff Cost CZK mil 9,892 11,010 11,458
Operating Profit CZK mil 21,037 21,956 28,540
Provisions CZK mil 7,930 1,780 636
Net Profit CZK mil 10,006 14,208 20,188
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 424,838 364,994 266,675
Customer Loans CZK mil 749,415 821,840 900,534
Investments CZK mil 286,920 374,718 407,579
Total Assets CZK mil 1,537,780 1,641,741 1,639,938
Shareholders' Equity CZK mil 149,346 143,196 137,711
Interbank Borrowing CZK mil 91,335 49,695 113,541
Customer Deposits CZK mil 1,096,666 1,173,890 1,225,464
Issued Debt Securities CZK mil 169,498 213,357 76,657
Ratios 2020 2021 2022
ROE % 6.98 9.71 14.4
ROA % 0.668 0.894 1.23
Costs (As % Of Assets) % 1.28 1.28 1.30
Costs (As % Of Income) % 47.6 48.2 42.8
Capital Adequacy Ratio % 25.6 23.8 20.2
Net Interest Margin % 1.94 1.96 2.24
Loans (As % Of Deposits) % 68.3 70.0 73.5
NPLs (As % Of Loans) % 2.20 2.10 1.90
Provisions (As % Of NPLs) % 115 114 117
Growth Rates 2020 2021 2022
Total Revenue Growth % -4.18 5.50 17.8
Operating Cost Growth % -1.25 6.74 4.59
Operating Profit Growth % -6.70 4.37 30.0
Net Profit Growth % -43.6 42.0 42.1
Customer Loan Growth % 3.98 9.66 9.58
Total Asset Growth % 5.42 6.76 -0.110
Customer Deposit Growth % 10.4 7.04 4.39
Shareholders' Equity Growth % 8.74 -4.12 -3.83
Employees 9,820 9,711 10,010

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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 2022
income statement                                                  
Net Interest Income CZK mil ... ...                                 25,512 25,350 27,821 30,261 29,099    
Total Revenues CZK mil ... ...                                 38,227 37,227 39,088 41,899 40,147    
Operating Profit CZK mil ... ...                                 20,081 18,987 20,761 22,547 21,037    
Net Profit CZK mil ... ...                                 15,457 14,610 15,362 17,743 10,006    
balance sheet                                                  
Interbank Loans CZK mil ... ... ... ...                             22,328 157,525 389,844 411,650 424,838    
Customer Loans CZK mil ... ...                                 577,453 638,694 685,639 720,739 749,415    
Investments CZK mil ... ... ... ...                             271,059 231,415 256,942 253,309 286,920    
Total Assets CZK mil ... ...                                 1,066,526 1,329,223 1,426,465 1,458,650 1,537,780    
                                                     
Shareholders' Equity CZK mil ... ...                                 121,730 120,975 122,657 137,339 149,346    
Interbank Borrowing CZK mil ... ... ... ...                             114,282 295,232 318,861 292,111 91,335    
Customer Deposits CZK mil ... ...                                 788,873 883,237 952,506 993,257 1,096,666    
Issued Debt Securities CZK mil ... ...                                 9,173 1,805 8,564 9,621 169,498    
ratios                                                  
ROE % ... ... ...                               12.8 12.0 12.6 13.6 6.98    
ROA % ... ... ...                               1.53 1.22 1.11 1.23 0.668    
Costs (As % Of Assets) % ... ... ...                               1.79 1.52 1.33 1.34 1.28    
Costs (As % Of Income) % ... ...                                 47.5 49.0 46.9 46.2 47.6    
Capital Adequacy Ratio % ... ...                                 20.1 18.7 19.2 22.0 25.6    
Net Interest Margin % ... ... ...                               2.52 2.12 2.02 2.10 1.94    
Interest Income (As % Of Revenues) % ... ...                                 66.7 68.1 71.2 72.2 72.5    
Fee Income (As % Of Revenues) % ... ...                                 24.3 23.6 21.8 20.5 20.5    
Staff Cost (As % Of Total Cost) % ... ...                                 50.5 50.6 52.1 52.5 51.8    
Equity (As % Of Assets) % ... ...                                 11.4 9.10 8.60 9.42 9.71    
Loans (As % Of Deposits) % ... ...                                 73.2 72.3 72.0 72.6 68.3    
Loans (As % Assets) % ... ...                                 54.1 48.1 48.1 49.4 48.7    
NPLs (As % Of Loans) % ... ...                                 3.12 2.10 1.80 1.80 2.20    
Provisions (As % Of NPLs) % ... ...                                 84.1 90.3 99.2 96.0 115    
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 2022
income statement                                                  
Interest Income CZK mil ... ...                                 28,442 28,148 35,006 41,890 37,534    
Interest Cost CZK mil ... ...                                 2,930 2,798 7,185 11,629 8,435    
Net Interest Income CZK mil ... ...                                 25,512 25,350 27,821 30,261 29,099    
Net Fee Income CZK mil ... ...                                 9,308 8,803 8,540 8,591 8,243    
Other Income CZK mil ... ...                                 3,407 3,074 2,727 3,047 2,805    
Total Revenues CZK mil ... ...                                 38,227 37,227 39,088 41,899 40,147    
Staff Cost CZK mil ... ...                                 9,169 9,224 9,553 10,156 9,892    
Depreciation CZK mil ... ...                                 2,114 2,046 2,001 2,604 2,749    
Other Cost CZK mil ... ...                                 6,863 6,970 6,773 6,592 6,469    
Operating Cost CZK mil ... ...                                 18,146 18,240 18,327 19,352 19,110    
Operating Profit CZK mil ... ...                                 20,081 18,987 20,761 22,547 21,037    
Provisions CZK mil ... ...                                 1,905 33.0 -288 -160 7,930    
Extra and Other Cost CZK mil ... ...                                 -749 927 1,886 709 612    
Pre-Tax Profit CZK mil ... ...                                 18,925 18,027 19,163 21,998 12,495    
Tax CZK mil ... ...                                 3,470 3,415 3,801 4,229 2,478    
Minorities CZK mil ... ...                                 -2.00 2.00 0 26.0 11.0    
Net Profit CZK mil ... ...                                 15,457 14,610 15,362 17,743 10,006    
Net Profit Avail. to Common CZK mil ... ...                                 15,457 14,610 15,362 17,743 10,006    
Dividends CZK mil ... ... ...                               11,552 11,704 ... ... ... ... ...
growth rates                                                  
Net Interest Income Growth % ... ... ...                               -1.36 -0.635 9.75 8.77 -3.84    
Net Fee Income Growth % ... ... ...                               -9.23 -5.43 -2.99 0.597 -4.05    
Total Revenue Growth % ... ... ...                               -3.81 -2.62 5.00 7.19 -4.18    
Operating Cost Growth % ... ... ...                               -2.37 0.518 0.477 5.59 -1.25    
Operating Profit Growth % ... ... ...                               -5.09 -5.45 9.34 8.60 -6.70    
Pre-Tax Profit Growth % ... ... ...                               5.49 -4.75 6.30 14.8 -43.2    
Net Profit Growth % ... ... ...                               8.14 -5.48 5.15 15.5 -43.6    
market share                                                  
Market Share in Revenues % ... ...                                 21.2 20.8 20.5 20.7 22.3    
Market Share in Net Profit % ... ...                                 20.9 19.4 18.9 19.5 21.1    
Market Share in Employees %                                     25.3 24.5 24.2 23.3 24.1    
Market Share in Bank Cards %                                     26.0 25.0 24.3 22.5 21.7   ...
Market Share in Debit Cards % ... ...                                 29.6 29.4 27.1 24.1 23.0   ...
Market Share in Credit Cards % ... ...                                 11.2 9.72 11.0 10.9 11.2   ...
Market Share in Branches %                                     27.4 26.6 25.6 25.4 26.1    
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 2022
balance sheet                                                  
Cash & Cash Equivalents CZK mil ... ... ... ...                             173,100 280,221 63,914 40,526 38,075    
Interbank Loans CZK mil ... ... ... ...                             22,328 157,525 389,844 411,650 424,838    
Customer Loans CZK mil ... ...                                 577,453 638,694 685,639 720,739 749,415    
Retail Loans CZK mil ... ...                                 318,000 349,400 383,500 410,400 438,700    
Mortgage Loans CZK mil ... ...                                 209,600 233,400 259,700 280,500 305,700    
Consumer Loans CZK mil ... ...                                 64,500 66,300 70,100 73,400 74,800    
Corporate Loans CZK mil ... ...                                 233,100 255,924 254,800 257,000 260,700    
Investments CZK mil ... ... ... ...                             271,059 231,415 256,942 253,309 286,920    
Property and Equipment CZK mil ... ... ... ... ...                           10,456 9,913 9,396 12,543 12,735    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,284 4,854 5,247 5,801 6,083    
Total Assets CZK mil ... ...                                 1,066,526 1,329,223 1,426,465 1,458,650 1,537,780    
                                                     
Shareholders' Equity CZK mil ... ...                                 121,730 120,975 122,657 137,339 149,346    
Of Which Minority Interest CZK mil ... ...                                 166 165 184 210 221    
Liabilities CZK mil ... ...                                 944,796 1,208,248 1,303,808 1,321,311 1,388,434    
Interbank Borrowing CZK mil ... ... ... ...                             114,282 295,232 318,861 292,111 91,335    
Customer Deposits CZK mil ... ...                                 788,873 883,237 952,506 993,257 1,096,666    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ...                   579,900 619,400 672,000 709,900 804,400    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ...                   151,700 201,500 218,600 219,500 232,900    
Issued Debt Securities CZK mil ... ...                                 9,173 1,805 8,564 9,621 169,498    
Other Liabilities CZK mil ... ... ... ...                             32,468 27,974 23,877 26,322 30,935    
asset quality                                                  
Non-Performing Loans CZK mil ... ...                                 18,478 13,672 12,566 13,126 16,904    
Gross Loans CZK mil ... ...                                 593,000 651,034 698,104 729,200 768,855    
Risk-Weighted Assets CZK mil ... ... ... ...                             484,319 535,828 533,900 544,500 536,100    
Total Provisions CZK mil ... ...                                 15,547 12,340 12,465 12,601 19,440    
growth rates                                                  
Customer Loan Growth % ... ... ...                               8.44 10.6 7.35 5.12 3.98    
Retail Loan Growth % ... ... ...                               5.19 9.87 9.76 7.01 6.90    
Mortgage Loan Growth % ... ... ...                               12.2 11.4 11.3 8.01 8.98    
Consumer Loan Growth % ... ... ...                               -0.334 2.79 5.73 4.71 1.91    
Corporate Loan Growth % ... ... ...                               12.3 9.79 -0.439 0.863 1.44    
Total Asset Growth % ... ... ...                               11.1 24.6 7.32 2.26 5.42    
Shareholders' Equity Growth % ... ... ...                               1.47 -0.620 1.39 12.0 8.74    
Customer Deposit Growth % ... ... ...                               10.5 12.0 7.84 4.28 10.4    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ...                 1.80 6.81 8.49 5.64 13.3    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ...                 5.20 32.8 8.49 0.412 6.10    
market share                                                  
Market Share in Customer Loans % ... ...                                 19.6 20.7 20.7 20.9 20.8    
Market Share in Corporate Loans % ... ...                                 23.9 25.0 23.6 22.9 23.2    
Market Share in Retail Loans % ... ...                                 22.4 22.9 23.3 23.5 23.6    
Market Share in Consumer Loans % ... ...                                 17.6 17.4 17.5 17.7 17.7    
Market Share in Mortgage Loans % ... ...                                 19.9 20.3 20.8 21.1 21.3    
Market Share in Total Assets % ... ...                                 17.9 19.0 19.6 19.3 19.3    
Market Share in Customer Deposits % ... ...                                 20.9 21.2 21.4 21.0 21.2    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...                   26.2 26.1 26.3 26.0 26.3    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...                   16.6 20.2 21.0 20.0 19.1    
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 2022
                                                   
ROE % ... ... ...                               12.8 12.0 12.6 13.6 6.98    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     13.2 12.5 13.2 14.3 7.28    
ROE (@ 15% of RWA) % ... ... ... ... ...                           21.6 19.1 19.1 21.9 12.3    
ROA % ... ... ...                               1.53 1.22 1.11 1.23 0.668    
Return on Loans % ... ... ...                               2.79 2.40 2.32 2.52 1.36    
Operating Profit (As % of RWA) % ... ... ... ... ...                           4.22 3.72 3.88 4.18 3.89    
Costs (As % Of Assets) % ... ... ...                               1.79 1.52 1.33 1.34 1.28    
Costs (As % Of Income) % ... ...                                 47.5 49.0 46.9 46.2 47.6    
Costs (As % Of Loans) % ... ... ...                               3.27 3.00 2.77 2.75 2.60    
Costs (As % Of Loans & Deposits) % ... ... ...                               1.39 1.26 1.16 1.15 1.07    
Capital Adequacy Ratio % ... ...                                 20.1 18.7 19.2 22.0 25.6    
Tier 1 Ratio % ... ...                                 19.5 18.1 18.4 21.4 25.1    
Net Interest Margin % ... ... ...                               2.52 2.12 2.02 2.10 1.94    
Interest Spread % ... ... ...                               2.48 2.09 1.97 2.02 1.88    
Asset Yield % ... ... ...                               2.81 2.35 2.54 2.90 2.51    
Revenues (As % of RWA) % ... ... ... ... ...                           8.03 7.30 7.31 7.77 7.43    
Cost Of Liabilities % ... ... ...                               0.328 0.260 0.572 0.886 0.623    
Payout Ratio % ... ... ...                               74.7 80.1 ... ... ... ... ...
Interest Income (As % Of Revenues) % ... ...                                 66.7 68.1 71.2 72.2 72.5    
Fee Income (As % Of Revenues) % ... ...                                 24.3 23.6 21.8 20.5 20.5    
Other Income (As % Of Revenues) % ... ...                                 8.91 8.26 6.98 7.27 6.99    
Staff Cost (As % Of Total Cost) % ... ...                                 50.5 50.6 52.1 52.5 51.8    
Equity (As % Of Assets) % ... ...                                 11.4 9.10 8.60 9.42 9.71    
Equity (As % Of Loans) % ... ...                                 21.1 18.9 17.9 19.1 19.9    
Loans (As % Of Deposits) % ... ...                                 73.2 72.3 72.0 72.6 68.3    
Loans (As % Assets) % ... ...                                 54.1 48.1 48.1 49.4 48.7    
NPLs (As % Of Loans) % ... ...                                 3.12 2.10 1.80 1.80 2.20    
Provisions (As % Of NPLs) % ... ...                                 84.1 90.3 99.2 96.0 115    
Provisions (As % Of Loans) % ... ...                                 2.69 1.93 1.82 1.75 2.59    
Cost of Provisions (As % Of Loans) % ... ... ...                               0.343 0.005 -0.043 -0.023 1.08    
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 2022
                                                   
Branches                                     561 517 501 483 438    
ATMs ... ... ... ...                             1,642 1,704 1,783 1,832 1,825    
ATMs (As % of Bank Branches) % ... ... ... ...                             293 330 356 379 417    
Employees                                     10,371 10,248 10,115 9,678 9,820    
Employees Per Bank Branch                                     18.5 19.8 20.2 20.0 22.4    
Cost Per Employee USD per month ... ...                                 2,920 3,197 3,597 3,879 3,815    
Cost Per Employee (Local Currency) CZK per month ... ...                                 73,675 75,007 78,703 87,449 83,944    
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 2022
                                                   
Customers mil ... ...                                 4.71 4.67 4.63 4.60 4.47    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.44 1.51 1.58 1.73 ... ...
Payment Cards mil                                     2.95 2.83 2.87 2.92 2.99    
Debit Cards mil ... ...                                 2.74 2.64 2.69 2.75 2.82    
Credit Cards mil ... ...                                 0.210 0.185 0.177 0.171 0.168    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.155 0.168 0.179 0.194 0.212 ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       1,352,000 1,393,000 1,451,000 1,444,000 1,444,000 ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 30.8 32.7 34.3 38.7 ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       3.29 3.58 3.86 4.23 4.73 ... ...
Payments Cards (As % of Total Clients) % ... ...                                 62.6 60.5 61.9 63.5 66.8    
Debit Cards (As % of Total Clients) % ... ...                                 58.1 56.5 58.0 59.8 63.1    
Credit Cards (As % of Total Clients) % ... ...                                 4.46 3.96 3.83 3.72 3.75    
Revenue per Customer (Local Currency) CZK ... ...                                 8,121 7,964 8,434 9,114 8,973    
Net Profit per Customer (Local Currency) CZK ... ...                                 3,284 3,126 3,315 3,860 2,236    
Loan per Customer (Local Currency) CZK ... ...                                 122,677 136,643 147,948 156,779 167,504    
Deposit per Customer (Local Currency) CZK ... ...                                 167,592 188,961 205,532 216,058 245,120    
Revenue per Customer USD ... ...                                 322 339 386 404 408    
Net Profit per Customer USD ... ...                                 130 133 152 171 102    
Loan per Customer USD ... ...                                 4,785 6,418 6,585 6,931 7,832    
Deposit per Customer USD ... ...                                 6,537 8,875 9,149 9,551 11,461    

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CS's net profit rose 33.2% yoy to CZK 5,353 mil in 3Q2023

By Helgi Library - October 30, 2023

Ceska Sporitelna made a net profit of CZK 5,353 mil in the third quarter of 2023, up 33.2% when compared to the same period of last year. This implies a return on equity of 15.8%. Historically, the bank’s net profit reached an all time high of CZK 6,084 mil in 2Q...

CS's net profit rose 33.2% yoy to CZK 5,353 mil in 3Q2023

By Helgi Library - October 30, 2023

Ceska Sporitelna made a net profit of CZK 5,353 mil under revenues of CZK 11,830 mil in the third quarter of 2023, up 33.2% and down 4.5% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high...

CS's branches fell 7.29% yoy to 369 in 3Q2023

By Helgi Library - October 30, 2023

Ceska Sporitelna employed 9,925 persons in 2023-09-30, down 0.671% 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...

CS's retail loans rose 9.34% yoy to CZK 628,342 mil in 2Q2023

By Helgi Library - September 29, 2023

Ceska Sporitelna's retail loans reached CZK 628,342 mil in the second quarter of 2023, up 5.59% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Ceska Sporitelna...

CS's net interest margin fell 7.18% yoy to 1.85% in 3Q2023

By Helgi Library - October 30, 2023

Ceska Sporitelna's net interest margin amounted to 1.85% in the third quarter of 2023, up from 1.81% 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 total revenues fell 1.95% yoy to CZK 12,295 mil in 2Q2023

By Helgi Library - September 29, 2023

Ceska Sporitelna generated total banking revenues of CZK 12,295 mil in 2023-06-30, up 6.67% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compared to the last...

Three Largest Mortgage Lenders in Czechia

By Helgi Library - September 29, 2023

Mortgage loans grew 6.80% yoy in the last 12 months and were up 1.13% qoq in the last quarter. At the end of September, mortgages formed 40.8% of total loans and 23.5% of GDP. Overall, CSOB was the largest mortgage lender with 30.4% of the ...

CS's corporate loans rose 6.43% yoy to CZK 367,233 mil in 3Q2023

By Helgi Library - October 30, 2023

Ceska Sporitelna's loans reached CZK 1,006,310 mil in the third quarter of 2023, up from CZK 987,702 mil when compared to the previous quarter and up from CZK 932,084 mil when compared to the same period of last year. Historically, the bank’s loans ...

CS's corporate deposits rose 39.9% yoy to CZK 383,600 mil in 2Q2023

By Helgi Library - October 30, 2023

Ceska Sporitelna's corporate deposits reached CZK 383,600 mil in 2023-06-30, up 13.8% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,503 bil in 2023-06-30, up 2.53% when compared to the last year. Ceska Sporitelna...

CS's retail deposits rose 0.119% yoy to CZK 924,200 mil in 2Q2023

By Helgi Library - September 29, 2023

Ceska Sporitelna's retail deposits reached CZK 924,200 mil in 2023-06-30, up 1.14% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. Ceska Sporitelna accou...

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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 1.36% and 5.95% a year on average in the last 10 years. Its loans and deposits have grown by 6.70% and 5.69% a year during that time and loans to deposits ratio reached 73.5% at the end of 2022. The company achieved an average return on equity of 12.5% in the last decade with net profit growing 1.97% a year on average. In terms of operating efficiency, its cost to income ratio reached 42.8% in 2022, compared to 46.1% average in the last decade.

Equity represented 8.40% of total assets or 15.3% of loans at the end of 2022. Ceska Sporitelna's non-performing loans were 1.90% of total loans while provisions covered some 117% of NPLs at the end of 2022.

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