By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's capital adequacy ratio reached 24.3% at the end of third quarter of 2023, up from 22.9% when compared ...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna employed 182 persons in 2023-09-30, down 1.09% when compared to the previous year. Historically, the ba...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna made a net profit of CZK 382 mil in the third quarter of 2023, up 92% when compared to the same period o...
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By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna made a net profit of CZK 382 mil under revenues of CZK 688 mil in the third quarter of 2023, up 92% and 3.46% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's mortgage loans reached CZK 122,152 mil in 3Q2023, down 0.658% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,729 in 3Q2023, up 0.688% when compared to the last year. CSOB Stavebni Sporitelna...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's non-performing loans reached 1.61% of total loans at the end of 2023-09-30, down from 1.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.72% in 2018-06-30 and an all time low of 0.538% in 2003-09-...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's net interest margin amounted to 1.68% in the third quarter of 2023, up from 1.57% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.28% in 4Q2009 and an all time low o...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's customer deposits reached CZK 118,739 mil in 2023-06-30, down 2.23% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. CSOB Sta...
By Helgi Library - September 30, 2023
CSOB Stavebni Sporitelna generated total banking revenues of CZK 667 mil in 2023-06-30, down 0.070% 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 ...
By Helgi Library - September 30, 2023
CSOB Stavebni Sporitelna's customer loans reached CZK 122,976 mil in 2023-06-30, down 0.548% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. CSOB Stavebni Spo...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's retail deposits reached CZK 118,584 mil in 2023-06-30, down 2.22% 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. CSOB Stavebn...
By Helgi Library - September 30, 2023
CSOB Stavebni Sporitelna's retail loans reached CZK 122,961 mil in the second quarter of 2023, down 0.547% 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. CSOB ...
By Helgi Library - November 23, 2023
CSOB Stavebni Sporitelna's loans reached CZK 122,166 mil in the third quarter of 2023, down from CZK 123,681 mil when compared to the previous quarter and down from CZK 125,996 mil when compared to the same period of last year. Historically, the bank...
ČSOB Stavební Spořitelna is the biggest building society in the Czech Republic. It was founded in 1993 as a joint venture between ČSOB and Bausparkasse Schwäbisch Hall. Since its beginning, ČMSS has concluded more than 8 mil building savings contracts and provided its clients with more than 1.1 mil housing loans. In April 2019, ČSOB became its sole shareholder. Formerly known as ČMSS, also known in Czech Republic as “the Fox” because of its mascot, is the biggest building savings bank in the Czech Republic with approximately 40% market share in building savings loans and building savings deposits. ČMSS currently has around 1.3 mil clients, some 1,800 tied agents and approximately 300 advisory points.
CSOB Stavebni Sporitelna has been growing its revenues and asset by -2.67% and -2.03% a year on average in the last 10 years. Its loans and deposits have grown by -0.097% and -1.93% a year during that time and loans to deposits ratio reached 97.9% at the end of 2022. The company achieved an average return on equity of 11.3% in the last decade with net profit growing -3.11% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.9% in 2022, compared to 49.4% average in the last decade.
Equity represented 6.72% of total assets or 7.42% of loans at the end of 2022. CSOB Stavebni Sporitelna's non-performing loans were 1.55% of total loans while provisions covered some 85.2% of NPLs at the end of 2022.
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