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Expobank Czech Republic

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Expobank Czech Republic

Expobank Czech Republic (formerly known as LBBW Bank CZ) is a Czech Republic-based universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. At the end of 2014, Czech operations of LBBW have been taken over by Igor Kim and the Bank has been

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Expobank Czech Republic (formerly known as LBBW Bank CZ) is a Czech Republic-based universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. At the end of 2014, Czech operations of LBBW have been taken over by Igor Kim and the Bank has been renamed to Expobank CZ. With only 8 branches and a market share of less than 1% at the end of 2014, Expobank is a small bank. With a costs-to-income ratio in between 80-90% and ROE not exceeded 8% in the last eight years, the Bank must grow to build more some scale.

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AnnualQuarterly
summary Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

              592 544 487 366 303    
              684 805 772 711 552    
              18.5 121 49.5 16.7 93.4    
              18.1 170 6.31 20.6 105    

balance sheet

              426 537 5,099 5,390 7,157    
              20,118 23,166 23,714 14,131 12,927    
              527 529 521 296 604    
              27,608 30,049 31,466 20,781 21,799    
              2,745 2,774 2,829 2,614 2,759    
              4,970 3,930 3,600 1,312 311    
              18,519 20,274 22,457 16,006 17,921    
              1,220 2,514 1,704 497 526    

ratios

              0.655% 6.17% 0.225% 0.757% 3.91%    
              0.068% 0.591% 0.021% 0.079% 0.494%    
              2.49% 2.37% 2.35% 2.66% 2.15%    
              97.3% 85.0% 93.6% 97.7% 83.1%    
              15.2% 14.9% 15.8% 24.8% 25.1%    
              2.22% 1.89% 1.58% 1.40% 1.43%    
              86.5% 67.6% 63.1% 51.4% 55.0%    
              16.1% 13.9% 15.5% 16.1% 18.1%    
              57.2% 56.6% 55.7% 55.4% 51.5%    
              9.94% 9.23% 8.99% 12.6% 12.7%    
              109% 114% 106% 88.3% 72.1%    
              72.9% 77.1% 75.4% 68.0% 59.3%    
              11.7% 9.53% 11.9% 3.44% 5.55%    
              40.1% 31.0% 25.0% 61.6% 29.4%    

Download Data
income statement Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

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
              1,056 1,046 965 784 509    
              464 502 478 418 206    
              592 544 487 366 303    
              110 112 120 115 99.8    
              -17.7 149 165 231 149    
              684 805 772 711 552    
              381 387 403 385 236    
              80.4 79.0 77.7 92.6 63.1    
              204 218 242 217 159    
              666 684 723 694 459    
              18.5 121 49.5 16.7 93.4    
              -51.0 19.7 16.7 -42.4 -16.3    
              0.000 0.000 < -0.001 0.000 < 0.001    
              69.6 101 32.8 59.1 110    
              51.5 26.3 26.5 38.5 4.54    
              0.000 0.000 0.000 0.000 0.000    
              18.1 170 6.31 20.6 105    

growth rates

...             7.80% -8.05% -10.5% -24.9% -17.1%    
...             0.223% 2.02% 7.04% -4.44% -12.9%    
...             -15.1% 17.7% -4.13% -7.90% -22.4%    
...             -7.60% 2.85% 5.58% -3.90% -34.0%    
...             -78.4% 553% -59.1% -66.3% 460%    
...             38.6% 45.5% -67.6% 80.0% 85.6%    
...             20.0% 841% -96.3% 226% 410%    

market share

              0.422% 0.482% 0.459% 0.424% 0.317%    
          ...   0.034% 0.265% 0.010% 0.033% 0.158%   ...
              0.910% 0.909% 0.896% 0.801% 0.520%    
... ... ... ...       0.976% 0.858% 0.843% 0.377% 0.370%    

Download Data
balance sheet Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

              5,429 4,903 228 205 468    
              426 537 5,099 5,390 7,157    
              20,118 23,166 23,714 14,131 12,927    
... ... ...         5,423 7,286 8,762 9,422 8,224    
... ... ... ... ...     4,600 6,100 7,862 8,722 7,674    
... ... ... ... ...     823 1,186 900 700 550    
... ... ...         13,937 14,333 12,806 4,350 4,275    
              527 529 521 296 604    
              694 658 744 657 594    
              27,608 30,049 31,466 20,781 21,799    
              2,745 2,774 2,829 2,614 2,759    
              0.000 0.000 0.000 0.000 0.000    
              24,863 27,275 28,638 18,167 19,040    
              4,970 3,930 3,600 1,312 311    
              18,519 20,274 22,457 16,006 17,921    
              12,519 12,878 13,293 10,567 12,442    
              4,676 4,950 6,779 4,135 3,786    
... ... ... ... ... ... ... ... ... 19,062 14,040 16,238    
... ... ... ... ... ... ... ... ... 3,395 1,966 1,683    
              1,220 2,514 1,704 497 526    
              153 558 876 352 281    

asset quality

              2,470 2,275 2,913 496 730    
              21,109 23,871 24,442 14,434 13,142    
              991 705 728 306 215    

growth rates

...             4.99% 15.1% 2.37% -40.4% -8.52%    
... ... ... ...       44.6% 34.3% 20.2% 7.54% -12.7%    
... ... ... ... ... ...   53.3% 32.6% 28.9% 10.9% -12.0%    
... ... ... ... ... ...   9.78% 44.1% -24.1% -22.2% -21.4%    
... ... ... ...       0.331% 2.84% -10.7% -66.0% -1.73%    
...             6.96% 8.85% 4.72% -34.0% 4.90%    
...             -1.47% 1.06% 1.97% -7.60% 5.56%    
...             -2.17% 9.47% 10.8% -28.7% 12.0%    
... ... ... ...       1.26% 2.87% 3.22% -20.5% 17.7%    
... ... ... ...       -10.9% 5.85% 37.0% -39.0% -8.44%    

market share

              0.916% 1.03% 0.953% 0.543% 0.465%    
... ... ...         1.68% 1.72% 1.48% 0.497% 0.464%    
... ... ... ... ...     0.255% 0.368% 0.274% 0.213% 0.157%    
... ... ...         0.495% 0.644% 0.742% 0.767% 0.622%    
... ... ... ... ...     0.595% 0.753% 0.922% 0.969% 0.790%    
              0.617% 0.649% 0.612% 0.391% 0.393%    
              0.688% 0.718% 0.735% 0.466% 0.509%    
              0.732% 0.727% 0.733% 0.549% 0.611%    
              0.695% 0.691% 0.873% 0.493% 0.411%    

Download Data
ratios Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

              0.655% 6.17% 0.225% 0.757% 3.91%    
              0.068% 0.591% 0.021% 0.079% 0.494%    
              2.49% 2.37% 2.35% 2.66% 2.15%    
              97.3% 85.0% 93.6% 97.7% 83.1%    
              15.2% 14.9% 15.8% 24.8% 25.1%    
              12.7% 12.6% 15.8% 24.8% 25.1%    
              2.22% 1.89% 1.58% 1.40% 1.43%    
...             2.02% 1.70% 1.43% 1.21% 1.29%    
              3.95% 3.63% 3.14% 3.00% 2.39%    
...             1.94% 1.93% 1.71% 1.79% 1.11%    
              86.5% 67.6% 63.1% 51.4% 55.0%    
              16.1% 13.9% 15.5% 16.1% 18.1%    
              -2.59% 18.5% 21.4% 32.4% 26.9%    
              4,997 4,521 4,819 4,647 3,853    
              88,377 88,433 94,279 99,326 91,979    
              57.2% 56.6% 55.7% 55.4% 51.5%    
              9.94% 9.23% 8.99% 12.6% 12.7%    
              109% 114% 106% 88.3% 72.1%    
              72.9% 77.1% 75.4% 68.0% 59.3%    
              11.7% 9.53% 11.9% 3.44% 5.55%    
              40.1% 31.0% 25.0% 61.6% 29.4%    
              4.93% 3.04% 3.07% 2.16% 1.66%    
              -0.260% 0.091% 0.071% -0.224% -0.120%    

Download Data
other data Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ...       20.0 18.0 18.0 8.00 8.00    
              359 365 356 323 214    
... ... ... ... ... ... ... ... 0.030 ... ... ... ... ...
... ... ... ... ... ... ... ... ... 84.9% 87.7% 90.6%    

Download Data
Comparison of 24 Banks in Czech Republic

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.

Expobank Czech Republic in Numbers

This Annual statistical dossier offers a summary of Expobank Czech Republic's performance between 2004 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,

Read more »

This Annual statistical dossier offers a summary of Expobank Czech Republic's performance between 2004 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 Expobank CR'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.

Czech Banking - Analysis of 3Q2014

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

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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:

  • Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
  • Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
  • The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
  • In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
  • The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

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.

Expobank CR - Analysis of 3Q2014 Performance

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:

Write-offs drive Expobank's net in 3Q2014

Expobank CZ reported a net profit of CZK 29.7 mil. in 3Q14

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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:

Write-offs drive Expobank's net in 3Q2014

Expobank CZ reported a net profit of CZK 29.7 mil. in 3Q14 compared to a loss of CZK 4.2 mil. a year ago. The quarterly profit was achieved through a provision write-back only as CZK 38 mil. operating loss was made in 3Q2014.

The overall picture remains the same -  of a small universal bank with an unclear strategy, little profitability and high cost inefficiency.

3Q14 provides details of the bank's takeover

Not that the above matters. The bank (previously known as LBBW) was taken over by Russia's Expobank at the beginning of September, so the historical performance matters less than the bank's future plans.

The third quarter also exhibits some details of the takeover deal – the bank's balance sheet was cut by a third in terms of loans and 15% in terms of deposits. As a result, net interest income fell 18% while net fees fell by more than half. Serving a number of German corporations operating on the Czech market, the departure of some of the bank's client base and balance sheet must have been a part of the takeover deal:

More importantly, however, the new bank is short of more than 80% of its non-performing loans. Within the 3rd quarter, the bank lost CZK 2.2 bil. of bad loans. As a result, the share of non-performing loans dropped from 11.7% in the middle of the year to 3.3% at the end of September.

In addition, provision coverage jumped nicely in spite of the CZK 109 provision write-back. At the end of September, loan provisions covered 61% of NPLs, up from 23% a quarter ago.

Well capitalized and funded for a new start

Following the balance sheet earthquake, the bank's capital adequacy increased 431 bp to 22.8% while loans dropped from 105% to 82% of deposits. This looks like a very solid position for a new start of a new bank.

You will find more details about the bank at www.helgilibrary.com/companies

LBBW CZ at a Glance

January 27, 2014
LBBW CZ at a Glance

LBBW Bank CZ is a Czech Republic-based mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive

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LBBW Bank CZ is a Czech Republic-based mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the bank lacks scale. With only 19 branches and a market share of less than 1%, LBBW Bank needs to grow as its cost-efficiency is very low (the costs-to-income ratio has been varying between 80 and 90% in the last five years) and profitability is weak (its ROE has not exceeded 8% in the last eight years).

This report offers a summary of the company's performance in 2004-2012. 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

LBBW Czech Republic in Numbers

LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the

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LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the bank lacks scale. With only 19 branches and a market share of less than 1%, LBBW Bank needs to grow as its cost-efficiency is very low (the costs-to-income ratio has been varying between 80 and 90% in the last five years) and profitability is weak (its ROE has not exceeded 8% in the last eight years).

This excel file offers a summary of the company's performance in between 1Q2004-1Q2013, 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.

LBBW Czech Republic at a Glance

LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009),

Read more »

LBBW Bank CZ is a mid-sized universal commercial bank. The bank has been present on the Czech banking market since 1991 and since 2008 (when it took over the operations of Austria's BAWAG) it has been 100% owned by Landesbank Baden-Württemberg, one of the largest banks in Germany. Apart from taking over the bank (which resulted in a massive loss in 2009), the bank lacks scale. With only 19 branches and a market share of less than 1%, LBBW Bank needs to grow as its cost-efficiency is very low (the costs-to-income ratio has been varying between 80 and 90% in the last five years) and profitability is weak (its ROE has not exceeded 8% in the last eight years).

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.

Analysis of Mortgage Lending in 1Q13

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

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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:

  • Mortgage loans increased by less than 1% qoq in the seasonally weakest quarter of the year, but the overall momentum stabilized. The annual increase remained unchanged at 6.3% yoy and sales of new loans of CZK 27.8 bil were nearly as high as in the same quarter last year:
  • Mortgage loans reached 18.2% of GDP at the end of March 2013, or more than a third of bank loans when other housing loans are included. Nearly 15% of Czech households have a mortgage loan now, while more than 14% of residential dwellings were financed through a mortgage loan, according to our calculations.
  • The average interest rate on mortgage loans continues to decline in line with the overall market trends. It reached 3.17% in 1Q13 while the average interest rate on the total mortgage loan stock dropped below 4.5%. This would imply that new loans were sold still with a decent 220 bp margin over a 5-year swap in 1Q13.
  • The share of non-performing loans increased slightly in the 1Q13, from 3.16% to 3.30% of total mortgage loans at the end of March. This is a result of the overall low indebtedness of Czech households, strict lending procedures and only a mild fall in real estate prices. Czech housing affordability remains one of the best in Europe.
  • As mortgage loans have grown to a sizable amount, the business  has become much more cost-efficient and profitable. We estimate mortgage business generates ROE of over 20% and contributes around 15% to the banking sector’s bottom line. LBBW and Raiffeisen seem to generate over 20% of their profits from mortgages when Hypoteční Banka’s results are taken as a guide.
  • The three largest banks (ČSOB, Česká Spořitelna and Komerční banka) further cemented their market position in 1Q13 taking their share to 65.4%.  ČSOB remains the leader closely followed by Spořitelna. In 1Q13, Raiffeisen confirmed its turnaround while GE Money Bank continued losing its market position the most.

Based on a comparison of 15 banks in the Czech Republic in 2017, PPF Banka was paying its employees the best, followed by J&T Banka and Expobank Czech Republic.

PPF Banka employed 227 persons in 2017, up 8.10% when compared to the

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Based on a comparison of 15 banks in the Czech Republic in 2017, PPF Banka was paying its employees the best, followed by J&T Banka and Expobank Czech Republic.

PPF Banka employed 227 persons in 2017, up 8.10% when compared to the previous year. Historically, the bank's workforce hit an all time high of 227 persons in 2017 and an all time low of 64.0 in 2002.

Average cost reached 5,517 per employee, 3.74% less than a year ago. This figure was 5,459 some 10 years ago.

Staff accounted for 40.0% of total operating expenditures in 2017.

Comparing PPF Banka with its closest peers, J&T Banka had 730 employees with average cost of 5,294 per person, Expobank Czech Republic operated with 215 people (and 4,245 per employee) and Raiffeisenbank Czech Republic had 2,934 employees in 2017 with cost of 3,753 per head.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic in 2016, PPF Banka was paying its employees the best, followed by J&T Banka and Stavebni Sporitelna Ceske Sporitelny.

PPF Banka employed 210 persons in 2016, up 7.14% when compared

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Based on a comparison of 15 banks in the Czech Republic in 2016, PPF Banka was paying its employees the best, followed by J&T Banka and Stavebni Sporitelna Ceske Sporitelny.

PPF Banka employed 210 persons in 2016, up 7.14% when compared to the previous year. Historically, the bank's workforce hit an all time high of 210 persons in 2016 and an all time low of 64.0 in 2002.

Average cost reached 5,732 per employee, 9.44% more than a year ago. This figure was 5,835 some 10 years ago.

Staff accounted for 36.9% of total operating expenditures in 2016.

Comparing PPF Banka with its closest peers, J&T Banka had 717 employees with average cost of 4,499 per person, Stavebni Sporitelna Ceske Sporitelny operated with 175 people (and 4,111 per employee) and Moravsky Penezni Ustav had 104 employees in 2016 with cost of 3,960 per head.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 15 banks in the Czech Republic, Ceska Sporitelna produced the highest net profit in 2016, followed by CSOB and Komercni Banka.

Ceska Sporitelna made a net profit of 632, up 8.85% compared to the previous

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Based on a comparison of 15 banks in the Czech Republic, Ceska Sporitelna produced the highest net profit in 2016, followed by CSOB and Komercni Banka.

Ceska Sporitelna made a net profit of 632, up 8.85% compared to the previous year. Historically, the bank’s net profit reached an all time high of 926 in 2008 and an all time low of 1.06 in 2000. The average profit in the last five years amounted to 717.

The bank generated an average return on equity of 15.0% for its shareholders in the last five years with a maximum of 19.2% and a minimum of 12.6%.

Comparing Ceska Sporitelna with its closest peers, CSOB generated a net profit of 620 with a ROE of 16.9% in 2016, Komercni Banka netted 560 (ROE of 12.9%) and UniCredit Czech Republic announced a net profit of 247 giving a ROE of 9.42%.

The net profit of the Czechia’s banking sector amounted to 73,525 in 2016, up 10.8% compared to the previous year. Heading up the rankings, Ceska Sporitelna accounted for 0.860% of the sector’s net profit in 2016. The top 3 companies held a 2.46% share while the five largest firms some 3.03% in 2016.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 29.1% of total

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Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 29.1% of total loans at the end of 3Q2016, down from 29.6% when compared to the previous quarter and down from 29.6% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 16.1% at the end of 3Q2016, up from 16.1% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 3Q2016 with NPL ratio of 16.1% and provision coverage of 23.7%, Banka Creditas with 13.9% and 25.5% and Expobank Czech Republic had 8.70% of bad loans covered with 44.3% by provisions at the end of 3Q2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.81% of total loans in 3Q2016, down from 5.63% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

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Expobank CR's capital adequacy ratio rose 3.59% to 28.2% in 4Q2017
Expobank CR's net interest margin fell 15.7% to 1.20% in 4Q2017
Expobank CR's net profit rose 23.4% to CZK -43.9 mil in 4Q2017
Expobank CR's net profit rose 23.4% to CZK -43.9 mil in 4Q2017
Expobank CR's net interest income fell 14.1% to CZK 75.6 mil in 4Q2017
Expobank CR's corporate loans rose 17.1% to CZK 5,226 mil in 4Q2017
Expobank CR's costs (as % of assets) rose 6.28% to 2.00% in 4Q2017
Expobank CR's customer loans fell 24.9% to CZK 9,109 mil in 2017
Expobank CR's capital adequacy ratio fell 1.30% to 28.2% in 2017
Expobank CR's total revenues fell 51.6% to CZK 552 mil in 2017