Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 621 branches and 1,589 ATMs, it serviced nearly 5 million retail clients at the end of 2015. 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. Since the takeover, Česká Spořitelna's net profit has increased dramatically and the
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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 |
Net Interest Income | CZK mil |
Total Revenues | CZK mil |
Operating Profit | CZK mil |
Net Profit | CZK mil |
... | ... | 31,235 | 29,653 | 27,910 | 26,672 | 25,864 | |||||||||||||
... | ... | 44,064 | 43,571 | 41,886 | 41,138 | 39,743 | |||||||||||||
... | ... | 25,640 | 25,312 | 24,292 | 22,904 | 21,157 | |||||||||||||
... | ... | 13,638 | 16,612 | 15,588 | 15,070 | 14,293 |
Interbank Loans | CZK mil |
Customer Loans | CZK mil |
Debt Securities | CZK mil |
Total Assets | CZK mil |
Shareholders' Equity | CZK mil |
Interbank Borrowing | CZK mil |
Customer Deposits | CZK mil |
Issued Debt Securities | CZK mil |
... | ... | ... | ... | 77,433 | 65,320 | 75,393 | 38,533 | 34,717 | |||||||||||
... | ... | 465,565 | 470,859 | 489,194 | 500,039 | 532,524 | |||||||||||||
... | ... | ... | ... | 275,458 | 323,598 | 289,947 | 276,183 | 255,335 | |||||||||||
... | ... | 892,598 | 920,403 | 968,723 | 902,589 | 959,584 | |||||||||||||
... | ... | 79,862 | 93,312 | 100,978 | 107,783 | 119,963 | |||||||||||||
... | ... | ... | ... | 52,862 | 44,344 | 73,036 | 54,570 | 83,915 | |||||||||||
... | ... | 672,280 | 704,532 | 726,592 | 680,439 | 713,836 | |||||||||||||
... | ... | 48,122 | 38,413 | 30,464 | 23,833 | 15,493 |
... | ... | 18.1% | 19.2% | 16.0% | 14.4% | 12.6% | |||||||||||||
... | ... | 1.54% | 1.83% | 1.65% | 1.61% | 1.54% | |||||||||||||
... | ... | 2.08% | 2.01% | 1.86% | 1.95% | 2.00% | |||||||||||||
... | ... | 41.8% | 41.9% | 42.0% | 44.3% | 46.8% | |||||||||||||
... | ... | 13.6% | 16.1% | 18.6% | 18.5% | 21.3% | |||||||||||||
... | ... | 3.52% | 3.27% | 2.95% | 2.85% | 2.78% | |||||||||||||
... | ... | 70.9% | 68.1% | 66.6% | 64.8% | 65.1% | |||||||||||||
... | ... | 28.1% | 27.0% | 27.0% | 27.5% | 25.8% | |||||||||||||
... | ... | 48.0% | 48.1% | 51.2% | 47.3% | 47.4% | |||||||||||||
... | ... | 8.95% | 10.1% | 10.4% | 11.9% | 12.5% | |||||||||||||
... | ... | 69.3% | 66.8% | 67.3% | 73.5% | 74.6% | |||||||||||||
... | ... | 52.2% | 51.2% | 50.5% | 55.4% | 55.5% | |||||||||||||
... | ... | 5.70% | 5.45% | 4.87% | 4.43% | 3.82% | |||||||||||||
... | ... | 60.0% | 63.1% | 67.6% | 70.7% | 73.0% |
income statement | Unit |
1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Interest Income | CZK mil |
Interest Cost | CZK mil |
Net Interest Income | CZK mil |
Net Fee Income | CZK mil |
Other Income | CZK mil |
Total Revenues | CZK mil |
Staff Cost | CZK mil |
Depreciation | CZK mil |
Other Cost | CZK mil |
Operating Cost | CZK mil |
Operating Profit | CZK mil |
Provisions | CZK mil |
Extra and Other Cost | CZK mil |
Pre-Tax Profit | CZK mil |
Tax | CZK mil |
Minorities | CZK mil |
Net Profit | CZK mil |
Dividends | CZK mil |
... | ... | 39,555 | 36,777 | 33,348 | 30,832 | 28,974 | |||||||||||||
... | ... | 8,320 | 7,124 | 5,438 | 4,160 | 3,110 | |||||||||||||
... | ... | 31,235 | 29,653 | 27,910 | 26,672 | 25,864 | |||||||||||||
... | ... | 12,381 | 11,769 | 11,294 | 11,306 | 10,254 | |||||||||||||
... | ... | 448 | 2,150 | 2,682 | 3,160 | 3,625 | |||||||||||||
... | ... | 44,064 | 43,571 | 41,886 | 41,138 | 39,743 | |||||||||||||
... | ... | 8,852 | 8,783 | 9,013 | 8,632 | 8,804 | |||||||||||||
... | ... | 2,405 | 2,201 | 2,061 | 2,271 | 2,154 | |||||||||||||
... | ... | 7,167 | 7,275 | 6,520 | 7,331 | 7,628 | |||||||||||||
... | ... | 18,424 | 18,259 | 17,594 | 18,234 | 18,586 | |||||||||||||
... | ... | 25,640 | 25,312 | 24,292 | 22,904 | 21,157 | |||||||||||||
... | ... | 5,501 | 3,707 | 3,332 | 3,728 | 2,648 | |||||||||||||
... | ... | 3,069 | 1,027 | 1,480 | 456 | 569 | |||||||||||||
... | ... | 17,070 | 20,578 | 19,481 | 18,720 | 17,940 | |||||||||||||
... | ... | 3,565 | 4,175 | 3,904 | 3,650 | 3,645 | |||||||||||||
... | ... | 133 | 209 | 11.5 | -1.00 | 2.00 | |||||||||||||
... | ... | 13,638 | 16,612 | 15,588 | 15,070 | 14,293 | |||||||||||||
... | ... | ... | 4,560 | 7,600 | 9,120 | 11,400 | 13,423 |
Net Interest Income Growth | % |
Net Fee Income Growth | % |
Total Revenue Growth | % |
Operating Cost Growth | % |
Operating Profit Growth | % |
Pre-Tax Profit Growth | % |
Net Profit Growth | % |
... | ... | ... | 2.88% | -5.07% | -5.88% | -4.44% | -3.03% | ||||||||||||
... | ... | ... | 1.76% | -4.95% | -4.03% | 0.107% | -9.30% | ||||||||||||
... | ... | ... | -2.97% | -1.12% | -3.87% | -1.79% | -3.39% | ||||||||||||
... | ... | ... | -1.35% | -0.897% | -3.64% | 3.64% | 1.93% | ||||||||||||
... | ... | ... | -4.11% | -1.28% | -4.03% | -5.71% | -7.63% | ||||||||||||
... | ... | ... | 16.4% | 20.6% | -5.33% | -3.91% | -4.17% | ||||||||||||
... | ... | ... | 13.2% | 21.8% | -6.16% | -3.32% | -5.16% |
... | ... | 27.2% | 26.1% | 24.9% | 24.5% | 22.8% | |||||||||||||
... | ... | 25.6% | 25.8% | 25.5% | 23.9% | 21.5% | |||||||||||||
26.8% | 26.8% | 26.8% | 26.0% | 25.5% | |||||||||||||||
32.3% | 31.3% | 31.5% | 28.5% | 27.3% | |||||||||||||||
... | ... | 34.8% | 34.2% | 36.7% | 32.7% | 31.2% | |||||||||||||
... | ... | 21.5% | 18.5% | 15.4% | 14.3% | 13.3% | |||||||||||||
31.9% | 31.4% | 30.6% | 30.3% | 28.7% |
balance sheet | Unit |
1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Cash | CZK mil |
Interbank Loans | CZK mil |
Customer Loans | CZK mil |
Retail Loans | CZK mil |
Mortgage Loans | CZK mil |
Consumer Loans | CZK mil |
Corporate Loans | CZK mil |
Debt Securities | CZK mil |
Fixed Assets | CZK mil |
Total Assets | CZK mil |
Shareholders' Equity | CZK mil |
Of Which Minority Interest | CZK mil |
Liabilities | CZK mil |
Interbank Borrowing | CZK mil |
Customer Deposits | CZK mil |
Retail Deposits | CZK mil |
Corporate Deposits | CZK mil |
Issued Debt Securities | CZK mil |
Other Liabilities | CZK mil |
... | ... | ... | ... | 31,936 | 22,501 | 77,581 | 54,489 | 111,027 | |||||||||||
... | ... | ... | ... | 77,433 | 65,320 | 75,393 | 38,533 | 34,717 | |||||||||||
... | ... | 465,565 | 470,859 | 489,194 | 500,039 | 532,524 | |||||||||||||
... | ... | 261,144 | 263,714 | 275,900 | 284,029 | 302,306 | |||||||||||||
... | ... | 127,569 | 139,158 | 155,099 | 167,160 | 186,813 | |||||||||||||
... | ... | ... | ... | ... | ... | 77,380 | 72,490 | 69,740 | 67,356 | 64,716 | |||||||||
... | ... | 179,493 | 185,425 | 196,839 | 198,044 | 207,572 | |||||||||||||
... | ... | ... | ... | 275,458 | 323,598 | 289,947 | 276,183 | 255,335 | |||||||||||
... | ... | ... | ... | ... | 13,427 | 12,686 | 13,732 | 13,431 | 12,318 | ||||||||||
... | ... | 892,598 | 920,403 | 968,723 | 902,589 | 959,584 | |||||||||||||
... | ... | 79,862 | 93,312 | 100,978 | 107,783 | 119,963 | |||||||||||||
... | ... | 26.0 | 122 | 316 | -26.0 | -23.0 | |||||||||||||
... | ... | 812,736 | 827,092 | 867,745 | 794,806 | 839,621 | |||||||||||||
... | ... | ... | ... | 52,862 | 44,344 | 73,036 | 54,570 | 83,915 | |||||||||||
... | ... | 672,280 | 704,532 | 726,592 | 680,439 | 713,836 | |||||||||||||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||
... | ... | 48,122 | 38,413 | 30,464 | 23,833 | 15,493 | |||||||||||||
... | ... | ... | ... | 39,472 | 39,802 | 37,653 | 35,964 | 26,377 |
Non-Performing Loans | CZK mil |
Gross Loans | CZK mil |
Total Provisions | CZK mil |
... | ... | 27,474 | 26,598 | 24,657 | 22,894 | 20,905 | |||||||||||||
... | ... | 482,041 | 487,654 | 505,872 | 516,228 | 547,785 | |||||||||||||
... | ... | 16,476 | 16,795 | 16,679 | 16,189 | 15,261 |
... | ... | ... | 5.61% | 1.14% | 3.89% | 2.22% | 6.50% | ||||||||||||
... | ... | ... | 0.929% | 0.984% | 4.62% | 2.95% | 6.43% | ||||||||||||
... | ... | ... | 8.57% | 9.08% | 11.5% | 7.78% | 11.8% | ||||||||||||
... | ... | ... | ... | ... | ... | ... | 0.444% | -6.32% | -3.79% | -3.42% | -3.92% | ||||||||
... | ... | ... | 13.8% | 3.30% | 6.16% | 0.612% | 4.81% | ||||||||||||
... | ... | ... | 1.24% | 3.12% | 5.25% | -6.83% | 6.31% | ||||||||||||
... | ... | ... | 12.6% | 16.8% | 8.22% | 6.74% | 11.3% | ||||||||||||
... | ... | ... | 0.232% | 4.80% | 3.13% | -6.35% | 4.91% | ||||||||||||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
... | ... | 21.2% | 20.9% | 19.7% | 19.2% | 19.1% | |||||||||||||
... | ... | 21.7% | 22.2% | 22.7% | 22.6% | 22.5% | |||||||||||||
... | ... | ... | ... | ... | ... | 24.0% | 22.5% | 21.2% | 20.5% | 18.5% | |||||||||
... | ... | 23.8% | 23.3% | 23.4% | 23.1% | 22.9% | |||||||||||||
... | ... | 16.5% | 17.2% | 18.2% | 18.6% | 19.2% | |||||||||||||
... | ... | 19.9% | 19.9% | 18.8% | 17.0% | 17.3% | |||||||||||||
... | ... | 25.0% | 25.0% | 23.8% | 19.8% | 20.3% | |||||||||||||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
ratios | Unit |
1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
... | ... | 18.1% | 19.2% | 16.0% | 14.4% | 12.6% | |||||||||||||
... | ... | 1.54% | 1.83% | 1.65% | 1.61% | 1.54% | |||||||||||||
... | ... | 2.08% | 2.01% | 1.86% | 1.95% | 2.00% | |||||||||||||
... | ... | 41.8% | 41.9% | 42.0% | 44.3% | 46.8% | |||||||||||||
... | ... | 13.6% | 16.1% | 18.6% | 18.5% | 21.3% | |||||||||||||
... | ... | 13.6% | 15.5% | 17.3% | 18.4% | 21.2% | |||||||||||||
... | ... | 3.52% | 3.27% | 2.95% | 2.85% | 2.78% | |||||||||||||
... | ... | ... | 3.43% | 3.19% | 2.89% | 2.79% | 2.73% | ||||||||||||
... | ... | 4.46% | 4.06% | 3.53% | 3.30% | 3.11% | |||||||||||||
... | ... | ... | 1.03% | 0.869% | 0.642% | 0.500% | 0.381% | ||||||||||||
... | ... | ... | 33.4% | 45.7% | 58.5% | 75.6% | 93.9% | ||||||||||||
... | ... | 70.9% | 68.1% | 66.6% | 64.8% | 65.1% | |||||||||||||
... | ... | 28.1% | 27.0% | 27.0% | 27.5% | 25.8% | |||||||||||||
... | ... | 1.02% | 4.93% | 6.40% | 7.68% | 9.12% | |||||||||||||
... | ... | 3,951 | 3,478 | 3,604 | 3,214 | 2,927 | |||||||||||||
... | ... | 69,881 | 68,024 | 70,520 | 68,698 | 69,866 | |||||||||||||
... | ... | 48.0% | 48.1% | 51.2% | 47.3% | 47.4% | |||||||||||||
... | ... | 8.95% | 10.1% | 10.4% | 11.9% | 12.5% | |||||||||||||
... | ... | 69.3% | 66.8% | 67.3% | 73.5% | 74.6% | |||||||||||||
... | ... | 52.2% | 51.2% | 50.5% | 55.4% | 55.5% | |||||||||||||
... | ... | 5.70% | 5.45% | 4.87% | 4.43% | 3.82% | |||||||||||||
... | ... | 60.0% | 63.1% | 67.6% | 70.7% | 73.0% | |||||||||||||
... | ... | 3.54% | 3.57% | 3.41% | 3.24% | 2.87% | |||||||||||||
... | ... | 1.21% | 0.792% | 0.694% | 0.754% | 0.513% |
other data | Unit |
1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Branches | |
Employees | |
ATMs | |
Clients | mil |
E-Clients | mil |
Payment Cards | '000 |
Debit Cards | '000 |
Credit Cards | '000 |
Risk-Weighted Assets | CZK mil |
654 | 658 | 653 | 644 | 621 | |||||||||||||||
10,556 | 10,760 | 10,651 | 10,471 | 10,501 | |||||||||||||||
... | ... | ... | ... | 1,413 | 1,466 | 1,530 | 1,561 | 1,589 | |||||||||||
... | ... | ... | 5.20 | 5.30 | 5.26 | 4.92 | 4.79 | ||||||||||||
... | ... | ... | ... | ... | ... | ... | 1.41 | 1.48 | 1.59 | 1.76 | 1.66 | ... | ... | ||||||
3,174 | 3,178 | 3,234 | 3,145 | 3,119 | |||||||||||||||
... | ... | 2,782 | 2,830 | 2,914 | 2,855 | 2,850 | |||||||||||||
... | ... | 392 | 348 | 319 | 290 | 269 | |||||||||||||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the
Read more »This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking
Read more »This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Quarterly statistical dossier offers a summary of Ceska Sporitelna's performance between Dec 96 and Sep 18 on an quarterly basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,
Read more »This Quarterly statistical dossier offers a summary of Ceska Sporitelna's performance between Dec 96 and Sep 18 on an quarterly basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.
In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track CS's market position in mortgage or consumer lending.
If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.
If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.
This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to
Read more »This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.
Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Annual Statistical Dossier offers a comparison of 15 banks from Erste Group from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the
Read more »This Annual Statistical Dossier offers a comparison of 15 banks from Erste Group from 1996 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier.
Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Annual statistical dossier offers a summary of Ceska Sporitelna's performance between 1998 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital
Read more »This Annual statistical dossier offers a summary of Ceska Sporitelna's performance between 1998 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.
In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track CS's market position in mortgage or consumer lending.
If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.
If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.
This Statistical Dossier offers a summary of Ceska Sporitelna's performance between 2000 and 2015, both on a quarterly as well as an annual basis. The report can be downloaded in Excel file format.
You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital
Read more »This Statistical Dossier offers a summary of Ceska Sporitelna's performance between 2000 and 2015, both on a quarterly as well as an annual basis. The report can be downloaded in Excel file format.
You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the Bank's businesses such as its loan portfolio. In addition, the Excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track CS's market position in mortgage or consumer lending.
If you are only interested in specific areas of the Bank's business, you find and download them at the Bank's Corporate Profile.
If you want to see more reports about the Bank, please, go to the Bank's Reports Page.
Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 621 branches and 1,589 ATMs, it serviced nearly 5 million retail clients at the end of 2015. 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. Since the takeover, Česká Spořitelna's net profit has increased dramatically and the average ROE reached nearly 19% in between 2006-2015. The bank is well capitalised (with a capital adequacy ratio exceeding 21%) and very well funded (with loans to deposits at only 75%) and has been lending cautiously since its privatisation (non-performing loans accounted for only 4.1% of total at the end of 2015)
This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.
In
Read more »This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.
In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.
The key points are:
You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.
The report is free to download, just register at our webpage.
This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.
The key highlights are:
Spořitelna's 3Q14 profit grows nearly 4% yoy..
Česká spořitelna reported
Read more »This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.
The key highlights are:
Spořitelna's 3Q14 profit grows nearly 4% yoy..
Česká spořitelna reported a net profit of CZK 3,447 mil. in 3Q14, the highest among the large Czech banks this quarter. This is up 3.8% yoy when compared to last year. Since revenue and operating profit were down 2.6% and 6.5% yoy respectively, the net profit growth was driven only by the development in the area of other operating income such as revaluation of securities, or other income
The overall profitability and efficiency of the bank remain impressive. ROE reached 15% at the end of September while cost to income ratio remains at below 44%, an impressive figure for a retail bank
...but balance sheet momentum is a worry
Weak momentum remains the biggest worry for Česká spořitelna in our view. The bank's loan book grows more slowly than the market while deposits have been falling in absolute terms this year.
While deposit growth is partly a result of accounting changes (reclassification of pension fund deposits), the weak lending growth is truly disappointing. That is especially the case as most of the market growth comes from retail, the area in which Spořitelna has been historically strong.
In the last two quarters, for example, Spořitelna sold fewer mortgages than the more corporate-oriented Komerční banka (both in volume of loans as well as number of mortgages).
As a result, Česká spořitelna's market position continues to deteriorate:
Not that the bank suffers from a lack of capital or funding. With capital adequacy exceeding 18% and loans accounting for 73% of deposits only, the bank is well positioned to grow faster.
Asset quality slightly deteriorates
The conservative approach of the bank is partly reflected in asset quality developement. The volume of non-performing loans dropped by more than CZK 3.5 bil. in the last twelve months - the highest among Czech banks.
In addition, Česká spořitelna's provision coverage of 80% (of NPLs) is the second highest on the market (just behind Air Bank).
You will find more details about the bank at www.helgilibrary.com/companies
Stavební Spořitelna České Spořitelny is the third largest building savings bank in the Czech Republic in terms of assets. Once the second largest building savings bank on the market (with a share of nearly 19% of lending in 2008), the subsidiary of Česká Spořitelna has been losing its position in housing lending as part
Read more »Stavební Spořitelna České Spořitelny is the third largest building savings bank in the Czech Republic in terms of assets. Once the second largest building savings bank on the market (with a share of nearly 19% of lending in 2008), the subsidiary of Česká Spořitelna has been losing its position in housing lending as part of the overall strategy of Česká Spořitelna to retreat from the area of housing finance. At the end of 2012, the bank held only 13.4% of the lending market compared to impressive 22% of he market on the deposit side. Until 2011, Stavební Spořitelna České Spořitelny had been the most profitable (measured by ROE) and the best capitalised (by capital adequacy ratio) building savings bank on the market.
This report offers a summary of the company's performance in 2000-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and within the business of building savings.
Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 658 branches and 1,466 ATMs, it serviced more than 5 million retail clients at the end of 2012. 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.
Since the
Read more »Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 658 branches and 1,466 ATMs, it serviced more than 5 million retail clients at the end of 2012. 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.
Since the takeover, Česká Spořitelna's net profit has increased dramatically and the average ROE exceeded 20% until 2012. The bank is well capitalised (with a capital adequacy ratio exceeding 16%) and very well funded (with loans to deposits at only 67%) and has been lending cautiously since its privatisation (non-performing loans accounted for only 5.8% of total at the end of 2012). Česká Spořitelna remains a flagship of Erste Bank Group contributing more than a third the group's total profit.
This report offers a summary of the bank's performance in 2000-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in the Czech Republic.
Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 658 branches and 1,466 ATMs, it serviced more than 5 million retail clients at the end of 2012. 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.
Read more »Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 658 branches and 1,466 ATMs, it serviced more than 5 million retail clients at the end of 2012. 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.
Since the takeover, Česká Spořitelna's net profit has increased dramatically and the average ROE exceeded 20% until 2012. The bank is well capitalised (with a capital adequacy ratio exceeding 16%) and very well funded (with loans to deposits at only 67%) and has been lending cautiously since its privatisation (non-performing loans accounted for only 5.8% of total at the end of 2012).
This excel file offers a summary of the company's performance in between 1Q2000-1Q2013, both on the quarterly as well as the annual basis. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector.
This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage
Read more »This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage busines for each bank.
This report focuses specifically on development in Ceska Sporitelna in the 1Q2013. The key highlights are:
Housing lending momentum deteriorates...
Česká Spořitelna’s mortgage loans increased 1.9% qoq and 8.4% yoy in 1Q13, slightly more than the overall market. On the other hand, the loans provided by Spořitelna’s building society dropped further 1.7% qoq and 4.5% yoy.
...but Spořitelna gains market share
Following the relatively weak years 2008-2010, Česká Spořitelna started gaining market share in 2011. In 2012, the bank grabbed nearly 28% of the annual increase in the mortgage loan book. The positive trend continued in 1Q13 and Spořitelna crossed 20% threshold in March in terms of market share, according to our calculations.
The bank is clearly benefiting from its superior funding and capital position when compared to the smaller players. In terms of new production, Spořitelna was nearly as aggressive as ČSOB in the last two quarters, selling 28% of all new loans.
In addition, Spořitelna has been beating ČSOB for the second quarter in a row in terms of new mortgage contracts signed. The bank sold 15% more loans in the last six months than ČSOB, what demonstrates the appetite Spořitelna has been getting in the mortgage lending:
Mortgage lending – 12% of Spořitelna’s profit?
Mortgage loans represented 30.1% of Spořitelna’s total loans at the end of March 2013. That is up from the figure of 9% seen a decade ago and at a very similar level compared to Komerční Banka, for example.
The massive growth in volumes made a difference to the bottom line of the bank. When Hypoteční banka’s financials are taken as a benchmark (for more details see page 9), we believe the mortgage lending business generates around 12-13% of Česká Spořitelna’s overall profitability now.
This is less than the 24% of Raiffeisenbank and 20% of ČSOB and also less than the 14% we estimate for Komerční Banka.
Apart from the relatively stronger position of ČSOB in mortgage lending (with a 26% share of the market versus the 20% share of Spořitelna), Česká Spořitelna is benefiting from stronger profitability elsewhere (such as on its cheaper deposit base).
This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage
Read more »This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage business for each bank.
This report provides a summary of the development in the 1Q2013. The key highlights are:
Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 658 branches and 1,466 ATMs, it serviced more than 5 million retail clients at the end of 2012. 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.
Since the
Read more »Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of 658 branches and 1,466 ATMs, it serviced more than 5 million retail clients at the end of 2012. 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.
Since the takeover, Česká Spořitelna's net profit has increased dramatically and the average ROE exceeded 20% until 2012. The bank is well capitalised (with a capital adequacy ratio exceeding 16%) and very well funded (with loans to deposits at only 67%) and has been lending cautiously since its privatisation (non-performing loans accounted for only 5.8% of total at the end of 2012).
This report offers a summary of the company's performance in 2008-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector.
This report analyses the building savings business in the Czech Republic for the 4Q2012. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the building savings (as well as mortgage lending segment). Also, the report compares profitability and efficiency ratio of the largest player CMSS with the main
Read more »This report analyses the building savings business in the Czech Republic for the 4Q2012. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the building savings (as well as mortgage lending segment). Also, the report compares profitability and efficiency ratio of the largest player CMSS with the main player in the mortgage lending business - Hypotecni Banka to find out how market dominance translates into economies of scale and superior profitability.
The key highlights from 4Q2012 we discuss in this report are:
• The business remains under pressure in spite of its impressive profitability. ROE fell to 15.2% in 2012 and net profit dropped 6% yoy in 4Q
• Lending continues to fall and is losing to mortgages. In 4Q12, the annual decline deepened to 3.3% yoy
• 4Q12 confirmed a recovery in terms of the number of new contracts sold, while deposits grew by a seasonally strong 3.2% qoq
• ČMSS remains the leader, but Raiffeisen grabs most of the growth
This report focuses specifically on development in Burinka in 4Q2012, the building savings bank of Ceska Sporitelna. The main conclusions are:
Market position
Stavební Spořitelna České Spořitelny (also called Buřinka, a bowler) is the third largest building savings bank in terms of assets. Once the second largest building savings bank on the market (with a share of nearly 19% of lending in 2008), the subsidiary of Česká Spořitelna has been losing its position in housing lending as part of the overall strategy of Česká Spořitelna to retreat from the area of housing finance.
At the end of 2012, the bank held only 13.4% of the lending market. The bank therefore gave up a further 32 bp of its market share during the year; however, 4Q suggests a stabilisation of the bank’s position (flat qoq). On the deposit market, the bank still maintains an impressive 22% share, up 22 bp qoq but down 6 bp in 2012.
Because of the market’s slowdown and its weakening market position, the bank’s overall balance sheet momentum remains negative. Loans declined by a further 0.8% qoq in the last quarter and the full-year decline reached 5.6% yoy, while overall deposits increased 2.6% in 4Q, but dropped 0.3% in 2012.
Profitability
Until 2011, Stavební Spořitelna České Spořitelny had been the most profitable (measured by ROE) and the best capitalised (by capital adequacy ratio) building savings bank on the market.
However, despite the negative momentum the bank is facing and the fact that the bank’s net profit dropped 23% yoy in 2012, the bank still achieved an impressive ROE of 15.7% in 2012! This is a remarkable achievement given the fact that the bank’s capital adequacy has been exceeding 17%.
When adjusted for a surplus of capital (when ROE is adjusted to the building savings market average for each bank), Stavební Spořitelna České Spořitelny is still the third most profitable one on the market.
Buřinka’s numbers are especially impressive on the cost side, which we describe on the right. This might be a result of accounting, rather than of real efficiency.
Asset quality
Asset quality remains one of the weakest links of the bank. Non-performing loans rose CZK 79 mil, or 4.8%, in 4Q, the most on the market, and reached 4.13% of total loans (up from 3.72% at the end of 2011), which is the worst result within building savings banks. Provision coverage remains relatively weak at nearly 52%, compared to the 53% of the market.
Cost-efficiency
Stavební Spořitelna České Spořitelny has been running its business 40-50% more efficiently than the rest of the market when measured by its costs-to-assets ratio in recent years. In 2012, the bank‘s operating costs amounted to 0.45% of average assets. compared to the 0.73% achieved by the market.
However good and efficient the bank is, we believe it has more to do with internal cost allocation within the Česká Spořitelna group, rather than with Buřinka’s underlying efficiency. Anyway, this, together with loan book development, are the main things to watch for here.
Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest fee income, followed by OTP Group and PKO BP.
Sberbank reported total fee income of EUR 5,921 mil, up 21.6% compared to the previous
Read more »Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest fee income, followed by OTP Group and PKO BP.
Sberbank reported total fee income of EUR 5,921 mil, up 21.6% compared to the previous year. Historically, the bank’s fee income reached an all time high of EUR 5,921 mil in 2017 and an all time low of EUR 525 mil in 2001.
Comparing Sberbank with its closest peers, OTP Group generated total fee income of EUR 842 mil, PKO BP operated with EUR 691 mil fee income and Erste Savings Banks produced total fees worth EUR 446 mil.
You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the CEE Savings Banks banks in the reports section.
Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by PKO BP and OTP Group.
Sberbank reported total revenues of EUR 28,597 mil, up 20.8% compared to the previous
Read more »Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by PKO BP and OTP Group.
Sberbank reported total revenues of EUR 28,597 mil, up 20.8% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 28,597 mil in 2017 and an all time low of EUR 3,225 mil in 2003. The average revenue in the last five years amounted to EUR 23,556 mil.
Bank's total revenues accounted for 7.02% of total assets in 2017, up from 6.69% a year earlier.
Comparing Sberbank with its closest peers, PKO BP generated total revenues of EUR 2,804 mil, or 4.06% of assets in 2017, OTP Group operated with EUR 2,782 mil total income, or 6.54% revenue margin and Erste Savings Banks produced total income worth EUR 1,493 mil, or 2.48% of assets.
You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the CEE Savings Banks banks in the reports section.
Based on a comparison of 10 banks among CEE Savings Banks, Sberbank produced the highest net profit in 2017, followed by OTP Group and PKO BP.
Sberbank made a net profit of EUR 11,275 mil, up 49.6% compared to the previous year.
Read more »Based on a comparison of 10 banks among CEE Savings Banks, Sberbank produced the highest net profit in 2017, followed by OTP Group and PKO BP.
Sberbank made a net profit of EUR 11,275 mil, up 49.6% compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 11,275 mil in 2017 and an all time low of EUR 402 mil in 2003. The average profit in the last five years amounted to EUR 6,960 mil.
The bank generated an average return on equity of 18.1% for its shareholders in the last five years with a maximum of 24.0% and a minimum of 10.2%.
Comparing Sberbank with its closest peers, OTP Group generated a net profit of EUR 906 mil with a ROE of 18.4% in 2017, PKO BP netted EUR 723 mil (ROE of 9.02%) and Ceska Sporitelna announced a net profit of EUR 555 mil giving a ROE of 12.0%.
You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the CEE Savings Banks banks in the reports section.
Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest revenues, followed by Erste Bank Austria and Erste Savings Banks.
Erste Group Bank reported total revenues of EUR 6,669 mil,
Read more »Based on a comparison of 15 banks among Erste Bank Group in 2017, Erste Group Bank generated the largest revenues, followed by Erste Bank Austria and Erste Savings Banks.
Erste Group Bank reported total revenues of EUR 6,669 mil, down 0.581% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 7,604 mil in 2010 and an all time low of EUR 1,172 mil in 1999. The average revenue in the last five years amounted to EUR 6,828 mil.
Bank's total revenues accounted for 3.02% of total assets in 2017, down from 3.22% a year earlier.
Comparing Erste Group Bank with its closest peers, Erste Bank Austria generated total revenues of EUR 3,255 mil, or 2.26% of assets in 2017, Erste Savings Banks operated with EUR 1,493 mil total income, or 2.48% revenue margin and Ceska Sporitelna produced total income worth EUR 1,414 mil, or 2.80% of assets.
You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Erste Bank Group banks in the reports section.