By Helgi Analytics - October 5, 2019
CSOB's mortgage loans reached CZK 425,500 mil in 2019-06-30, up 1.24% compared to the previous year. Czech banking sector provi...
By Helgi Analytics - October 5, 2019
CSOB's customer deposits reached CZK 978,413 mil in 2019-06-30, up 14.8% compared to the previous year. Czech banking sector ac...
By Helgi Analytics - October 5, 2019
CSOB's customer loans reached CZK 813,746 mil in 2019-06-30, up 14.8% compared to the previous year. Czech banking sector provi...
Profit Statement | 2016 | 2017 | 2018 | |
Net Interest Income | CZK mil | 22,235 | 22,692 | 26,016 |
Fee Income (As % Of Revenues) | % | 18.3 | 17.2 | 21.6 |
Other Income | CZK mil | 5,590 | 8,111 | 3,064 |
Total Revenues | CZK mil | 34,043 | 37,199 | 37,102 |
Staff Cost | CZK mil | 7,510 | 7,920 | 8,709 |
Operating Profit | CZK mil | 18,392 | 20,947 | 19,333 |
Provisions | CZK mil | 708 | 615 | 983 |
Net Profit | CZK mil | 15,141 | 17,517 | 15,757 |
Balance Sheet | 2016 | 2017 | 2018 | |
Interbank Loans | CZK mil | 242,209 | 485,267 | 532,823 |
Customer Loans | CZK mil | 537,013 | 674,729 | 690,610 |
Debt Securities | CZK mil | 222,133 | 70,372 | 86,122 |
Total Assets | CZK mil | 1,085,530 | 1,314,400 | 1,378,040 |
Shareholders' Equity | CZK mil | 88,735 | 92,456 | 92,016 |
Interbank Borrowing | CZK mil | 32,598 | 68,502 | 54,653 |
Customer Deposits | CZK mil | 676,161 | 744,448 | 792,625 |
Issued Debt Securities | CZK mil | 279,990 | 350,136 | 365,311 |
Ratios | 2016 | 2017 | 2018 | |
ROE | % | 16.9 | 19.3 | 17.1 |
ROA | % | 1.48 | 1.46 | 1.17 |
Costs (As % Of Assets) | % | 1.53 | 1.35 | 1.32 |
Costs (As % Of Income) | % | 46.0 | 43.7 | 47.9 |
Capital Adequacy Ratio | % | 18.5 | 17.2 | 18.0 |
Net Interest Margin | % | 2.18 | 1.89 | 1.93 |
Loans (As % Of Deposits) | % | 79.4 | 90.6 | 87.1 |
NPLs (As % Of Loans) | % | 3.03 | 2.04 | 3.06 |
Provisions (As % Of NPLs) | % | 54.2 | 58.3 | 44.0 |
Growth Rates | 2016 | 2017 | 2018 | |
Total Revenue Growth | % | 4.61 | 9.27 | -0.261 |
Operating Cost Growth | % | -0.229 | 3.84 | 9.33 |
Operating Profit Growth | % | 9.12 | 13.9 | -7.70 |
Net Profit Growth | % | 8.07 | 15.7 | -10.0 |
Customer Loan Growth | % | 6.47 | 25.6 | 2.35 |
Total Asset Growth | % | 13.5 | 21.1 | 4.84 |
Customer Deposit Growth | % | 8.72 | 10.1 | 6.47 |
Shareholders' Equity Growth | % | -2.19 | 4.19 | -0.476 |
Employees | 8,517 | 8,615 | 8,623 |
Get all company financials in excel:
summary | Unit | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
income statement | ||||||||||||||||||||||||||
Net Interest Income | CZK mil | ... | ... | ... | 24,970 | 22,651 | 22,872 | 22,303 | 22,235 | |||||||||||||||||
Total Revenues | CZK mil | ... | ... | ... | 35,015 | 31,202 | 31,443 | 32,542 | 34,043 | |||||||||||||||||
Operating Profit | CZK mil | ... | ... | ... | 18,928 | 16,394 | 16,462 | 16,855 | 18,392 | |||||||||||||||||
Net Profit | CZK mil | 15,281 | 13,658 | 13,604 | 14,010 | 15,141 | ||||||||||||||||||||
balance sheet | ||||||||||||||||||||||||||
Interbank Loans | CZK mil | ... | ... | ... | 24,461 | 58,688 | 38,581 | 75,088 | 242,209 | |||||||||||||||||
Customer Loans | CZK mil | 476,100 | 416,859 | 468,054 | 504,360 | 537,013 | ||||||||||||||||||||
Debt Securities | CZK mil | ... | ... | ... | 399,958 | 449,195 | 269,769 | 238,760 | 222,133 | |||||||||||||||||
Total Assets | CZK mil | 937,174 | 962,954 | 865,639 | 956,325 | 1,085,530 | ||||||||||||||||||||
Shareholders' Equity | CZK mil | 74,141 | 80,657 | 85,580 | 90,719 | 88,735 | ||||||||||||||||||||
Interbank Borrowing | CZK mil | 35,365 | 55,090 | 59,065 | 23,786 | 32,598 | ||||||||||||||||||||
Customer Deposits | CZK mil | 629,622 | 591,126 | 599,142 | 621,927 | 676,161 | ||||||||||||||||||||
Issued Debt Securities | CZK mil | ... | ... | ... | 171,900 | 227,386 | 114,685 | 211,298 | 279,990 | |||||||||||||||||
ratios | ||||||||||||||||||||||||||
ROE | % | 22.6 | 17.6 | 16.4 | 15.9 | 16.9 | ||||||||||||||||||||
ROA | % | 1.63 | 1.44 | 1.49 | 1.54 | 1.48 | ||||||||||||||||||||
Costs (As % Of Assets) | % | ... | ... | ... | 1.72 | 1.56 | 1.64 | 1.72 | 1.53 | |||||||||||||||||
Costs (As % Of Income) | % | ... | ... | ... | 45.9 | 47.5 | 47.6 | 48.2 | 46.0 | |||||||||||||||||
Capital Adequacy Ratio | % | 15.2 | 15.6 | 17.5 | 19.4 | 18.5 | ||||||||||||||||||||
Net Interest Margin | % | ... | ... | ... | 2.67 | 2.38 | 2.50 | 2.45 | 2.18 | |||||||||||||||||
Interest Income (As % Of Revenues) | % | ... | ... | ... | 71.3 | 72.6 | 72.7 | 68.5 | 65.3 | |||||||||||||||||
Fee Income (As % Of Revenues) | % | ... | ... | ... | 15.7 | 18.0 | 19.0 | 19.6 | 18.3 | |||||||||||||||||
Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 44.9 | 45.5 | 45.9 | 44.7 | 48.0 | |||||||||||||||||
Equity (As % Of Assets) | % | 7.91 | 8.38 | 9.89 | 9.49 | 8.17 | ||||||||||||||||||||
Loans (As % Of Deposits) | % | 75.6 | 70.5 | 78.1 | 81.1 | 79.4 | ||||||||||||||||||||
Loans (As % Assets) | % | 50.8 | 43.3 | 54.1 | 52.7 | 49.5 | ||||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.57 | 4.79 | 4.19 | 3.73 | 3.03 | |||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 70.5 | 54.3 | 57.1 | 58.3 | 54.2 |
income statement | Unit | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
income statement | ||||||||||||||||||||||||||
Interest Income | CZK mil | ... | ... | ... | 32,697 | 27,102 | 26,841 | 25,580 | 25,043 | |||||||||||||||||
Interest Cost | CZK mil | ... | ... | ... | 7,727 | 4,451 | 3,969 | 3,277 | 2,808 | |||||||||||||||||
Net Interest Income | CZK mil | ... | ... | ... | 24,970 | 22,651 | 22,872 | 22,303 | 22,235 | |||||||||||||||||
Net Fee Income | CZK mil | ... | ... | ... | 5,505 | 5,608 | 5,979 | 6,391 | 6,218 | |||||||||||||||||
Other Income | CZK mil | ... | ... | ... | 4,540 | 2,943 | 2,592 | 3,848 | 5,590 | |||||||||||||||||
Total Revenues | CZK mil | ... | ... | ... | 35,015 | 31,202 | 31,443 | 32,542 | 34,043 | |||||||||||||||||
Staff Cost | CZK mil | ... | ... | ... | 7,222 | 6,731 | 6,880 | 7,007 | 7,510 | |||||||||||||||||
Depreciation | CZK mil | ... | ... | ... | 856 | 749 | 685 | 617 | 1,268 | |||||||||||||||||
Other Cost | CZK mil | ... | ... | ... | 8,009 | 7,328 | 7,416 | 8,063 | 6,873 | |||||||||||||||||
Operating Cost | CZK mil | ... | ... | ... | 16,087 | 14,808 | 14,981 | 15,687 | 15,651 | |||||||||||||||||
Operating Profit | CZK mil | ... | ... | ... | 18,928 | 16,394 | 16,462 | 16,855 | 18,392 | |||||||||||||||||
Provisions | CZK mil | ... | ... | ... | 1,584 | 1,294 | 975 | 1,081 | 708 | |||||||||||||||||
Extra and Other Cost | CZK mil | ... | ... | ... | -195 | -800 | -691 | -687 | -696 | |||||||||||||||||
Pre-Tax Profit | CZK mil | 17,539 | 15,900 | 16,178 | 16,461 | 18,380 | ||||||||||||||||||||
Tax | CZK mil | 2,258 | 2,249 | 2,557 | 2,472 | 3,232 | ||||||||||||||||||||
Minorities | CZK mil | -10.0 | -7.00 | 17.0 | -21.0 | 7.00 | ||||||||||||||||||||
Net Profit | CZK mil | 15,281 | 13,658 | 13,604 | 14,010 | 15,141 | ||||||||||||||||||||
Dividends | CZK mil | ... | ... | ... | ... | ... | 13,320 | 8,109 | 13,208 | 14,781 | 10,147 | |||||||||||||||
growth rates | ||||||||||||||||||||||||||
Net Interest Income Growth | % | ... | ... | ... | ... | 0.657 | -9.29 | 0.976 | -2.49 | -0.305 | ||||||||||||||||
Net Fee Income Growth | % | ... | ... | ... | ... | -11.9 | 1.87 | 6.62 | 6.89 | -2.71 | ||||||||||||||||
Total Revenue Growth | % | ... | ... | ... | ... | 4.26 | -10.9 | 0.772 | 3.50 | 4.61 | ||||||||||||||||
Operating Cost Growth | % | ... | ... | ... | ... | 2.48 | -7.95 | 1.17 | 4.71 | -0.229 | ||||||||||||||||
Operating Profit Growth | % | ... | ... | ... | ... | 5.83 | -13.4 | 0.415 | 2.39 | 9.12 | ||||||||||||||||
Pre-Tax Profit Growth | % | ... | 35.2 | -9.34 | 1.75 | 1.75 | 11.7 | |||||||||||||||||||
Net Profit Growth | % | ... | 36.4 | -10.6 | -0.395 | 2.98 | 8.07 | |||||||||||||||||||
market share | ||||||||||||||||||||||||||
Market Share in Revenues | % | ... | ... | ... | 20.9 | 18.6 | 18.7 | 18.7 | 18.9 | |||||||||||||||||
Market Share in Net Profit | % | ... | ... | ... | 23.8 | 22.4 | 21.6 | 21.1 | 20.6 | |||||||||||||||||
Market Share in Employees | % | ... | ... | ... | ... | 19.4 | 18.8 | 19.3 | 18.8 | 20.8 | ||||||||||||||||
Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | 22.0 | ... | ... | ... | ... | ... | ... | ||||||||||
Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 25.0 | ... | ... | ... | ... | ... | ... | |||||||
Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.15 | ... | ... | ... | ... | ... | ... | |||||||
Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 15.3 | 14.3 | 14.4 | 14.6 | 14.6 |
balance sheet | Unit | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
balance sheet | ||||||||||||||||||||||||||
Cash | CZK mil | ... | ... | ... | 28,293 | 20,728 | 72,076 | 117,287 | 61,075 | |||||||||||||||||
Interbank Loans | CZK mil | ... | ... | ... | 24,461 | 58,688 | 38,581 | 75,088 | 242,209 | |||||||||||||||||
Customer Loans | CZK mil | 476,100 | 416,859 | 468,054 | 504,360 | 537,013 | ||||||||||||||||||||
Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 272,500 | 274,100 | 301,200 | 317,800 | 320,558 | ||||||||||||
Mortgage Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 183,600 | 199,300 | 214,800 | 231,500 | 256,700 | ||||||||||||
Consumer Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 88,900 | 74,800 | 86,400 | 86,300 | 63,858 | ||||||||||||
Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 177,800 | 195,200 | 214,400 | 226,200 | 185,300 | ||||||||||||
Debt Securities | CZK mil | ... | ... | ... | 399,958 | 449,195 | 269,769 | 238,760 | 222,133 | |||||||||||||||||
Fixed Assets | CZK mil | ... | ... | ... | ... | 8,045 | 7,557 | 6,796 | 7,662 | 10,009 | ||||||||||||||||
Total Assets | CZK mil | 937,174 | 962,954 | 865,639 | 956,325 | 1,085,530 | ||||||||||||||||||||
Shareholders' Equity | CZK mil | 74,141 | 80,657 | 85,580 | 90,719 | 88,735 | ||||||||||||||||||||
Of Which Minority Interest | CZK mil | ... | ... | ... | ... | ... | 211 | 204 | 208 | 178 | 186 | |||||||||||||||
Liabilities | CZK mil | 863,033 | 882,297 | 780,059 | 865,606 | 996,792 | ||||||||||||||||||||
Interbank Borrowing | CZK mil | 35,365 | 55,090 | 59,065 | 23,786 | 32,598 | ||||||||||||||||||||
Customer Deposits | CZK mil | 629,622 | 591,126 | 599,142 | 621,927 | 676,161 | ||||||||||||||||||||
Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 310,769 | ... | ... | ... | ... | ... |
Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11,712 | ... | ... | ... | ... | ... |
Issued Debt Securities | CZK mil | ... | ... | ... | 171,900 | 227,386 | 114,685 | 211,298 | 279,990 | |||||||||||||||||
Other Liabilities | CZK mil | ... | ... | ... | 26,146 | 8,695 | 7,167 | 8,595 | 8,043 | |||||||||||||||||
asset quality | ||||||||||||||||||||||||||
Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17,000 | 20,500 | 19,600 | 18,800 | 16,600 | |||||||||||
Gross Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 476,100 | 427,999 | 468,054 | 504,360 | 547,078 | ||||||||||||
Total Provisions | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | 11,989 | 11,140 | 11,185 | 10,959 | 9,000 | ||||||||||||
growth rates | ||||||||||||||||||||||||||
Customer Loan Growth | % | ... | 7.93 | -12.4 | 12.3 | 7.76 | 6.47 | |||||||||||||||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.05 | 0.587 | 9.89 | 5.51 | 0.868 | |||||||||||
Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.6 | 8.55 | 7.78 | 7.77 | 10.9 | |||||||||||
Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.224 | -15.9 | 15.5 | -0.116 | -26.0 | |||||||||||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.82 | 9.79 | 9.84 | 5.50 | -18.1 | |||||||||||
Total Asset Growth | % | ... | 0.062 | 2.75 | -10.1 | 10.5 | 13.5 | |||||||||||||||||||
Shareholders' Equity Growth | % | ... | 21.2 | 8.79 | 6.10 | 6.00 | -2.19 | |||||||||||||||||||
Customer Deposit Growth | % | ... | 2.85 | -6.11 | 1.36 | 3.80 | 8.72 | |||||||||||||||||||
Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
market share | ||||||||||||||||||||||||||
Market Share in Customer Loans | % | 20.2 | 16.6 | 17.8 | 18.1 | 18.2 | ||||||||||||||||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 21.3 | 22.5 | 24.5 | 24.6 | 19.0 | ||||||||||||
Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 27.4 | 22.6 | 26.1 | 24.5 | 17.4 | ||||||||||||
Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 24.0 | 23.2 | 24.5 | 24.0 | 22.6 | ||||||||||||
Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 22.7 | 23.4 | 23.9 | 23.8 | 24.4 | ||||||||||||
Market Share in Total Assets | % | 20.2 | 18.5 | 16.1 | 17.2 | 18.0 | ||||||||||||||||||||
Market Share in Customer Deposits | % | 20.1 | 17.7 | 17.4 | 17.7 | 17.9 | ||||||||||||||||||||
Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
ratios | Unit | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
ratios | ||||||||||||||||||||||||||
ROE | % | 22.6 | 17.6 | 16.4 | 15.9 | 16.9 | ||||||||||||||||||||
ROA | % | 1.63 | 1.44 | 1.49 | 1.54 | 1.48 | ||||||||||||||||||||
Costs (As % Of Assets) | % | ... | ... | ... | 1.72 | 1.56 | 1.64 | 1.72 | 1.53 | |||||||||||||||||
Costs (As % Of Income) | % | ... | ... | ... | 45.9 | 47.5 | 47.6 | 48.2 | 46.0 | |||||||||||||||||
Capital Adequacy Ratio | % | 15.2 | 15.6 | 17.5 | 19.4 | 18.5 | ||||||||||||||||||||
Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.0 | 15.8 | 17.2 | 19.1 | 18.2 | ||||||
Net Interest Margin | % | ... | ... | ... | 2.67 | 2.38 | 2.50 | 2.45 | 2.18 | |||||||||||||||||
Interest Spread | % | ... | ... | ... | 2.60 | 2.34 | 2.46 | 2.41 | 2.15 | |||||||||||||||||
Asset Yield | % | ... | ... | ... | 3.49 | 2.85 | 2.94 | 2.81 | 2.45 | |||||||||||||||||
Cost Of Liabilities | % | ... | ... | ... | 0.889 | 0.510 | 0.478 | 0.398 | 0.302 | |||||||||||||||||
Payout Ratio | % | ... | ... | ... | ... | ... | 87.2 | 59.4 | 97.1 | 106 | 67.0 | |||||||||||||||
Interest Income (As % Of Revenues) | % | ... | ... | ... | 71.3 | 72.6 | 72.7 | 68.5 | 65.3 | |||||||||||||||||
Fee Income (As % Of Revenues) | % | ... | ... | ... | 15.7 | 18.0 | 19.0 | 19.6 | 18.3 | |||||||||||||||||
Other Income (As % Of Revenues) | % | ... | ... | ... | 13.0 | 9.43 | 8.24 | 11.8 | 16.4 | |||||||||||||||||
Cost Per Employee | USD per month | ... | ... | ... | ... | 3,944 | 3,796 | 3,450 | 3,155 | 2,912 | ||||||||||||||||
Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | 77,148 | 74,264 | 73,741 | 75,305 | 73,481 | ||||||||||||||||
Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 44.9 | 45.5 | 45.9 | 44.7 | 48.0 | |||||||||||||||||
Equity (As % Of Assets) | % | 7.91 | 8.38 | 9.89 | 9.49 | 8.17 | ||||||||||||||||||||
Loans (As % Of Deposits) | % | 75.6 | 70.5 | 78.1 | 81.1 | 79.4 | ||||||||||||||||||||
Loans (As % Assets) | % | 50.8 | 43.3 | 54.1 | 52.7 | 49.5 | ||||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.57 | 4.79 | 4.19 | 3.73 | 3.03 | |||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 70.5 | 54.3 | 57.1 | 58.3 | 54.2 | |||||||||||
Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 2.52 | 2.67 | 2.39 | 2.17 | 1.68 | ||||||||||||
Cost of Provisions (As % Of Loans) | % | ... | ... | ... | 0.345 | 0.290 | 0.220 | 0.222 | 0.136 |
other data | Unit | 1994 | 1995 | 1996 | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
other data | ||||||||||||||||||||||||||
Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | 322 | 319 | 319 | 316 | 298 | ||||||||||||
Employees | ... | ... | ... | ... | 7,801 | 7,553 | 7,775 | 7,754 | 8,517 | |||||||||||||||||
ATMs | ... | ... | ... | ... | ... | ... | ... | ... | 914 | 1,006 | 1,047 | 1,062 | 1,062 | |||||||||||||
Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.05 | 2.95 | 2.86 | 2.83 | 2.83 | |||||||||||
E-Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.51 | 1.54 | 1.54 | ... | |
Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | 2,240 | ... | ... | ... | ... | ... | ... | ||||||||||
Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,067 | ... | ... | ... | ... | ... | ... | |||||||
Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 172 | ... | ... | ... | ... | ... | ... | |||||||
Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 52.6 | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - October 5, 2019
CSOB made a net profit of CZK 6,099 mil in the second quarter of 2019, up 74.3% when compared to the same period of last year. This implies a return on equity of 26.1%. Historically, the bank’s net profit reached an all time high of CZK 8,180 mil in 4Q2009 and an...
By Helgi Analytics - October 5, 2019
CSOB employed 8,562 persons in 2019-06-30, up 1.72% compared to the previous year. Historically, the bank's workforce hit an all time high of 8,779 persons in 2018-06-30 and an all time low of 6,750 in 2006-12-31. The bank operated a network of 227 branche...
By Helgi Analytics - October 5, 2019
CSOB's retail loans reached CZK 458,200 mil in the second quarter of 2019, up 1.35% compared to the previous year. Czech banking sector provided retail loans of CZK 1,691 bil in 2Q2019, up 1.70% when compared to the last year. CSOB accounted for 27.1% of ...
By Helgi Analytics - October 5, 2019
CSOB's net interest margin amounted to 1.89% in the second quarter of 2019, down from 2.05% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.86% in 2Q2010 and an all time low of 1.57% in 3...
By Helgi Analytics - October 5, 2019
CSOB generated total banking revenues of CZK 11,410 mil in 2019-06-30, up 8.40% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 52,687 mil in 2019-06-30, up 11.9% when compared to the last year. ...
By Helgi Analytics - October 5, 2019
CSOB employed 8,562 persons in 2019-06-30, up 1.72% when compared to the previous year. Historically, the bank's workforce hit an all time high of 8,779 persons in 2018-06-30 and an all time low of 6,750 in 2006-12-31. Average cost reached USD 3,884 per month per...
By Helgi Analytics - October 5, 2019
CSOB's loans reached CZK 825,532 mil in the second quarter of 2019, up from CZK 717,962 mil when compared to the previous quarter and up from CZK 683,987 mil when compared to the same period of last year. Historically, the bank’s loans reached an al...
By Helgi Analytics - October 5, 2019
CSOB's consumer loans reached CZK 32,700 mil in 2019-06-30, up 2.83% compared to the previous year. Czech banking sector provided consumer loans of CZK 409 bil in 2019-06-30, up 1.70% when compared to the last year. CSOB accounted for 8.00% of all consume...
By Helgi Analytics - October 5, 2019
CSOB's capital adequacy ratio reached 18.7% at the end of second quarter of 2019, down from 19.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.4% in 4Q2015 and an all time low of 9.43% in 2Q2008. The...
By Helgi Analytics - October 5, 2019
CSOB generated total banking revenues of CZK 11,410 mil in the second quarter of 2019, up 33.9% when compared to the same period of last year and 8.4% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee and...
CSOB is the largest financial Group in the Czech Republic with approximately a fifth of the market in assets, loans or deposits. Following its takeover of bankrupt IPB in 2000, the Bank serves now more than 3.6 million retail clients through a network of 200 branches, over 1,000 ATMs or 2,600 outlets if the network of the Czech Post Office is included. At the end of 2018, the Group employed over 8,000 people in the Czech Republic and Slovakia. The bank was privatized in 1999, when Belgium’s KBC became the majority owner (and sole owner in 2007). . The bank is particularly strong in the area of housing loans. Through its subsidiaries Hypoteční Banka and CMSS, ČSOB now controls a quarter of mortgage and building society loans. We estimate that mortgage lending generate over 20% of ČSOB's profit.
CSOB has been growing its revenues and asset by 6.89% and 5.27% a year on average in the last 10 years. Its loans and deposits have grown by 5.50% and 3.52% a year during that time and loans to deposits ratio reached 87.1% at the end of 2018. The company achieved an average return on equity of 19.1% in the last decade with net profit growing 31.3% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.9% in 2018, compared to 45.2% average in the last decade.
Equity represented 6.68% of total assets or 13.3% of loans at the end of 2018. CSOB's non-performing loans were 3.06% of total loans while provisions covered some 44.0% of NPLs at the end of 2018.