By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's mortgage loans reached CZK 63,487 mil in 2023-06-30, up 2.28% compared to the previous year. ...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's customer loans reached CZK 63,043 mil in 2023-03-31, down 0.940% compared to the previous year...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's non-performing loans reached 0.995% of total loans at the end of 2023-06-30, down from 1.1...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | 1,202 | 1,258 | 1,505 |
| Net Fee Income | CZK mil | 255 | 222 | 261 |
| Other Income | CZK mil | -12.0 | -13.0 | 276 |
| Total Revenues | CZK mil | 1,445 | 1,467 | 2,042 |
| Staff Cost | CZK mil | 228 | 224 | 241 |
| Operating Profit | CZK mil | 959 | 987 | 1,504 |
| Provisions | CZK mil | 67.0 | -25.0 | -1.00 |
| Net Profit | CZK mil | 750 | 837 | 1,273 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 7,971 | 4,044 | 26.0 |
| Customer Loans | CZK mil | 49,614 | 55,970 | 63,642 |
| Investments | CZK mil | 14,314 | 13,328 | 6,914 |
| Total Assets | CZK mil | 73,860 | 74,496 | 71,495 |
| Shareholders' Equity | CZK mil | 6,282 | 6,996 | 8,188 |
| Interbank Borrowing | CZK mil | 0 | 0 | 709 |
| Customer Deposits | CZK mil | 67,127 | 66,936 | 61,985 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 12.7 | 12.6 | 16.8 |
| ROA | % | 1.02 | 1.13 | 1.74 |
| Costs (As % Of Assets) | % | 0.662 | 0.647 | 0.737 |
| Costs (As % Of Income) | % | 33.6 | 32.7 | 26.3 |
| Capital Adequacy Ratio | % | 26.7 | 26.6 | 28.4 |
| Net Interest Margin | % | 1.64 | 1.70 | 2.06 |
| Loans (As % Of Deposits) | % | 73.9 | 83.6 | 103 |
| NPLs (As % Of Loans) | % | 1.41 | 1.21 | 1.01 |
| Provisions (As % Of NPLs) | % | 78.8 | 90.5 | 98.3 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | -6.02 | 1.52 | 39.2 |
| Operating Cost Growth | % | -4.63 | -1.23 | 12.1 |
| Operating Profit Growth | % | -6.72 | 2.92 | 52.4 |
| Net Profit Growth | % | -23.3 | 11.6 | 52.1 |
| Customer Loan Growth | % | 10.9 | 12.8 | 13.7 |
| Total Asset Growth | % | 1.24 | 0.861 | -4.03 |
| Customer Deposit Growth | % | 0.293 | -0.285 | -7.40 |
| Shareholders' Equity Growth | % | 13.8 | 11.4 | 17.0 |
| Employees | 197 | 197 | 172 | |
Get all company financials in excel:
| summary | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||||||||||||
| Net Interest Income | CZK mil | 933 | 899 | 1,048 | 1,267 | 1,202 | |||||||||||||||||||
| Total Revenues | CZK mil | 1,213 | 1,237 | 1,358 | 1,538 | 1,445 | |||||||||||||||||||
| Operating Profit | CZK mil | 789 | 777 | 884 | 1,028 | 959 | |||||||||||||||||||
| Net Profit | CZK mil | 586 | 680 | 860 | 978 | 750 | |||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||
| Interbank Loans | CZK mil | 7,991 | 4,559 | 0 | 14,981 | 7,971 | |||||||||||||||||||
| Customer Loans | CZK mil | 35,282 | 36,956 | 43,011 | 44,746 | 49,614 | |||||||||||||||||||
| Investments | CZK mil | 17,933 | 14,263 | 13,306 | 11,290 | 14,314 | |||||||||||||||||||
| Total Assets | CZK mil | 82,552 | 76,215 | 72,247 | 72,954 | 73,860 | |||||||||||||||||||
| Shareholders' Equity | CZK mil | 4,910 | 5,083 | 5,342 | 5,520 | 6,282 | |||||||||||||||||||
| Interbank Borrowing | CZK mil | 0 | 4,400 | 0 | 0 | 0 | |||||||||||||||||||
| Customer Deposits | CZK mil | 77,050 | 65,408 | 62,542 | 66,931 | 67,127 | |||||||||||||||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| ratios | |||||||||||||||||||||||||
| ROE | % | ... | 12.4 | 13.6 | 16.5 | 18.0 | 12.7 | ||||||||||||||||||
| ROA | % | ... | 0.722 | 0.857 | 1.16 | 1.35 | 1.02 | ||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 0.523 | 0.579 | 0.639 | 0.702 | 0.662 | ||||||||||||||||||
| Costs (As % Of Income) | % | 35.0 | 37.2 | 34.9 | 33.1 | 33.6 | |||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 16.8 | 17.8 | 20.3 | 23.1 | 26.7 | ||||||||||||||
| Net Interest Margin | % | ... | 1.15 | 1.13 | 1.41 | 1.74 | 1.64 | ||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 76.9 | 72.7 | 77.2 | 82.4 | 83.2 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 25.2 | 26.4 | 22.3 | 18.3 | 17.6 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 49.8 | 38.7 | 40.3 | 41.9 | 46.9 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 5.95 | 6.67 | 7.39 | 7.57 | 8.51 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | 45.8 | 56.5 | 68.8 | 66.9 | 73.9 | |||||||||||||||||||
| Loans (As % Assets) | % | 42.7 | 48.5 | 59.5 | 61.3 | 67.2 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | 2.43 | 2.03 | 1.64 | 1.58 | 1.41 | |||||||||||||||||||
| Provisions (As % Of NPLs) | % | 79.3 | 80.0 | 66.8 | 62.1 | 78.8 | |||||||||||||||||||
| valuation | |||||||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| income statement | |||||||||||||||||||||||||
| Interest Income | CZK mil | 2,100 | 1,942 | 1,984 | 2,121 | 1,998 | |||||||||||||||||||
| Interest Cost | CZK mil | 1,167 | 1,043 | 936 | 855 | 796 | |||||||||||||||||||
| Net Interest Income | CZK mil | 933 | 899 | 1,048 | 1,267 | 1,202 | |||||||||||||||||||
| Net Fee Income | CZK mil | 306 | 327 | 303 | 282 | 255 | |||||||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 374 | 351 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 92.0 | 96.0 | ||
| Other Income | CZK mil | -26.0 | 11.1 | 6.46 | -11.0 | -12.0 | |||||||||||||||||||
| Insurance Premium Earned | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Revenues | CZK mil | 1,213 | 1,237 | 1,358 | 1,538 | 1,445 | |||||||||||||||||||
| Staff Cost | CZK mil | 211 | 178 | 191 | 213 | 228 | |||||||||||||||||||
| Depreciation | CZK mil | 42.0 | 43.2 | 46.9 | 50.2 | 48.0 | |||||||||||||||||||
| Other Cost | CZK mil | 171 | 238 | 236 | 246 | 210 | |||||||||||||||||||
| Operating Cost | CZK mil | 424 | 460 | 474 | 510 | 486 | |||||||||||||||||||
| Operating Profit | CZK mil | 789 | 777 | 884 | 1,028 | 959 | |||||||||||||||||||
| Provisions | CZK mil | 85.0 | -51.8 | -161 | -132 | 67.0 | |||||||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0.109 | 0 | 0.336 | 0 | |||||||||||||||||||
| Pre-Tax Profit | CZK mil | 704 | 829 | 1,045 | 1,160 | 892 | |||||||||||||||||||
| Tax | CZK mil | 118 | 149 | 185 | 182 | 142 | |||||||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| Net Profit | CZK mil | 586 | 680 | 860 | 978 | 750 | |||||||||||||||||||
| Net Profit Avail. to Common | CZK mil | 586 | 680 | 860 | 978 | 750 | |||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | 500 | 600 | 800 | ... | 0 | ||||||||||||||||
| growth rates | |||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -18.3 | -3.67 | 16.6 | 20.8 | -5.10 | ||||||||||||||||||
| Net Fee Income Growth | % | ... | 15.9 | 6.91 | -7.35 | -6.96 | -9.57 | ||||||||||||||||||
| Total Revenue Growth | % | ... | -10.5 | 1.98 | 9.78 | 13.2 | -6.02 | ||||||||||||||||||
| Operating Cost Growth | % | ... | 1.19 | 8.41 | 3.17 | 7.46 | -4.63 | ||||||||||||||||||
| Operating Profit Growth | % | ... | -15.8 | -1.48 | 13.7 | 16.3 | -6.72 | ||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | -6.38 | 17.8 | 26.0 | 11.0 | -23.1 | ||||||||||||||||||
| Net Profit Growth | % | ... | -9.57 | 16.1 | 26.4 | 13.7 | -23.3 | ||||||||||||||||||
| market share | |||||||||||||||||||||||||
| Market Share in Revenues | % | 0.673 | 0.690 | 0.713 | 0.761 | 0.801 | |||||||||||||||||||
| Market Share in Net Profit | % | 0.793 | 0.903 | 1.06 | 1.07 | 1.58 | |||||||||||||||||||
| Market Share in Employees | % | 0.427 | 0.434 | 0.454 | 0.450 | 0.484 | |||||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Branches | % | 0.049 | 0.051 | 0.051 | 0.053 | 0.059 |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| balance sheet | |||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 20,108 | 19,232 | 2,545 | 1,475 | 1,498 | |||||||||||||||||||
| Interbank Loans | CZK mil | 7,991 | 4,559 | 0 | 14,981 | 7,971 | |||||||||||||||||||
| Customer Loans | CZK mil | 35,282 | 36,956 | 43,011 | 44,746 | 49,614 | |||||||||||||||||||
| Retail Loans | CZK mil | 30,929 | 35,560 | 39,583 | 43,367 | 48,151 | |||||||||||||||||||
| Mortgage Loans | CZK mil | 30,929 | 35,560 | 39,583 | 43,366 | 48,151 | |||||||||||||||||||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| Corporate Loans | CZK mil | 4,353 | 1,396 | 1,431 | 1,357 | 1,463 | |||||||||||||||||||
| Investments | CZK mil | 17,933 | 14,263 | 13,306 | 11,290 | 14,314 | |||||||||||||||||||
| Property and Equipment | CZK mil | 338 | 339 | 339 | 329 | 313 | |||||||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 93.0 | 89.0 | 103 | 97.0 | 93.0 | |||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Assets | CZK mil | 82,552 | 76,215 | 72,247 | 72,954 | 73,860 | |||||||||||||||||||
| Shareholders' Equity | CZK mil | 4,910 | 5,083 | 5,342 | 5,520 | 6,282 | |||||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| Liabilities | CZK mil | 77,642 | 71,132 | 66,905 | 67,434 | 67,578 | |||||||||||||||||||
| Interbank Borrowing | CZK mil | 0 | 4,400 | 0 | 0 | 0 | |||||||||||||||||||
| Customer Deposits | CZK mil | 77,050 | 65,408 | 62,542 | 66,931 | 67,127 | |||||||||||||||||||
| Retail Deposits | CZK mil | 77,050 | 65,408 | 62,506 | 63,431 | 63,827 | |||||||||||||||||||
| Corporate Deposits | CZK mil | 0 | 0 | 35.1 | 3,500 | 3,300 | |||||||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Other Liabilities | CZK mil | 592 | 1,324 | 4,363 | 503 | 451 | |||||||||||||||||||
| asset quality | |||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | 876 | 762 | 679 | 712 | 708 | |||||||||||||||||||
| Gross Loans | CZK mil | 35,977 | 37,564 | 41,467 | 45,188 | 50,172 | |||||||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 23,666 | 22,151 | 20,755 | 18,825 | 19,904 | |||
| Total Provisions | CZK mil | 695 | 610 | 454 | 442 | 558 | |||||||||||||||||||
| growth rates | |||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 1.34 | 4.74 | 16.4 | 4.03 | 10.9 | ||||||||||||||||||
| Retail Loan Growth | % | ... | -0.856 | 15.0 | 11.3 | 9.56 | 11.0 | ||||||||||||||||||
| Mortgage Loan Growth | % | ... | -0.856 | 15.0 | 11.3 | 9.56 | 11.0 | ||||||||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 20.2 | -67.9 | 2.47 | -5.16 | 7.81 | |||
| Total Asset Growth | % | ... | 3.54 | -7.68 | -5.21 | 0.980 | 1.24 | ||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 7.51 | 3.52 | 5.10 | 3.33 | 13.8 | ||||||||||||||||||
| Customer Deposit Growth | % | ... | 3.37 | -15.1 | -4.38 | 7.02 | 0.293 | ||||||||||||||||||
| Retail Deposit Growth | % | ... | 3.37 | -15.1 | -4.44 | 1.48 | 0.624 | ||||||||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9,858 | -5.71 | ||
| market share | |||||||||||||||||||||||||
| Market Share in Customer Loans | % | 1.20 | 1.20 | 1.30 | 1.30 | 1.38 | |||||||||||||||||||
| Market Share in Corporate Loans | % | 0.446 | 0.137 | 0.132 | 0.121 | 0.130 | |||||||||||||||||||
| Market Share in Retail Loans | % | 2.18 | 2.33 | 2.41 | 2.49 | 2.59 | |||||||||||||||||||
| Market Share in Consumer Loans | % | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
| Market Share in Mortgage Loans | % | 2.94 | 3.10 | 3.18 | 3.26 | 3.35 | |||||||||||||||||||
| Market Share in Total Assets | % | 1.39 | 1.09 | 0.993 | 0.965 | 0.927 | |||||||||||||||||||
| Market Share in Customer Deposits | % | 2.05 | 1.57 | 1.41 | 1.41 | 1.30 | |||||||||||||||||||
| Market Share in Retail Deposits | % | 3.49 | 2.76 | 2.44 | 2.33 | 2.09 | |||||||||||||||||||
| Market Share in Corporate Deposits | % | 0 | 0 | 0.003 | 0.320 | 0.271 |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| ROE | % | ... | 12.4 | 13.6 | 16.5 | 18.0 | 12.7 | ||||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.6 | 13.9 | 16.8 | 18.3 | 12.9 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.9 | 19.8 | 26.7 | 32.9 | 25.8 | ||
| ROA | % | ... | 0.722 | 0.857 | 1.16 | 1.35 | 1.02 | ||||||||||||||||||
| Return on Loans | % | ... | 1.67 | 1.88 | 2.15 | 2.23 | 1.59 | ||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.40 | 3.39 | 4.12 | 5.19 | 4.95 | ||
| Costs (As % Of Assets) | % | ... | 0.523 | 0.579 | 0.639 | 0.702 | 0.662 | ||||||||||||||||||
| Costs (As % Of Income) | % | 35.0 | 37.2 | 34.9 | 33.1 | 33.6 | |||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 1.21 | 1.27 | 1.19 | 1.16 | 1.03 | ||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.383 | 0.428 | 0.456 | 0.469 | 0.426 | ||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 16.8 | 17.8 | 20.3 | 23.1 | 26.7 | ||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | 16.6 | 17.7 | 20.1 | 23.1 | 26.7 | ||||||||||||||
| Net Interest Margin | % | ... | 1.15 | 1.13 | 1.41 | 1.74 | 1.64 | ||||||||||||||||||
| Interest Spread | % | ... | 1.06 | 1.04 | 1.32 | 1.65 | 1.54 | ||||||||||||||||||
| Asset Yield | % | ... | 2.59 | 2.45 | 2.67 | 2.92 | 2.72 | ||||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.23 | 5.40 | 6.33 | 7.77 | 7.46 | ||
| Cost Of Liabilities | % | ... | 1.53 | 1.40 | 1.36 | 1.27 | 1.18 | ||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | 85.3 | 88.2 | 93.0 | ... | 0 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 76.9 | 72.7 | 77.2 | 82.4 | 83.2 | |||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 25.2 | 26.4 | 22.3 | 18.3 | 17.6 | |||||||||||||||||||
| Other Income (As % Of Revenues) | % | -2.14 | 0.896 | 0.476 | -0.715 | -0.830 | |||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 49.8 | 38.7 | 40.3 | 41.9 | 46.9 | |||||||||||||||||||
| Equity (As % Of Assets) | % | 5.95 | 6.67 | 7.39 | 7.57 | 8.51 | |||||||||||||||||||
| Equity (As % Of Loans) | % | 13.9 | 13.8 | 12.4 | 12.3 | 12.7 | |||||||||||||||||||
| Loans (As % Of Deposits) | % | 45.8 | 56.5 | 68.8 | 66.9 | 73.9 | |||||||||||||||||||
| Loans (As % Assets) | % | 42.7 | 48.5 | 59.5 | 61.3 | 67.2 | |||||||||||||||||||
| NPLs (As % Of Loans) | % | 2.43 | 2.03 | 1.64 | 1.58 | 1.41 | |||||||||||||||||||
| Provisions (As % Of NPLs) | % | 79.3 | 80.0 | 66.8 | 62.1 | 78.8 | |||||||||||||||||||
| Provisions (As % Of Loans) | % | 1.97 | 1.65 | 1.05 | 0.988 | 1.12 | |||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.243 | -0.143 | -0.403 | -0.301 | 0.142 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Branches | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Employees | 175 | 182 | 190 | 187 | 197 | ||||||||||||||||||||
| Employees Per Bank Branch | 175 | 182 | 190 | 187 | 197 | ||||||||||||||||||||
| Cost Per Employee | USD per month | 3,982 | 3,475 | 3,835 | 4,219 | 4,383 | |||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 100,476 | 81,534 | 83,915 | 95,115 | 96,447 | |||||||||||||||||||
| Employee Turnover | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Fee Income (As % of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| customer breakdown | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
| Customers | mil | ... | 0.726 | 0.611 | 0.578 | 0.581 | 0.570 | ||||||||||||||||||
| Number of Accounts | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Payment Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Average Size of Deposit | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Average Size of Consumer Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Accounts (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Payments Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer (Local Currency) | CZK | ... | 1,671 | 2,026 | 2,348 | 2,646 | 2,535 | ||||||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | 807 | 1,114 | 1,487 | 1,683 | 1,316 | ||||||||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | 48,601 | 60,532 | 74,367 | 76,987 | 87,042 | ||||||||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | 106,136 | 107,136 | 108,136 | 115,158 | 117,767 | ||||||||||||||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer | USD | ... | 66.2 | 86.3 | 107 | 117 | 115 | ||||||||||||||||||
| Net Profit per Customer | USD | ... | 32.0 | 47.5 | 68.0 | 74.6 | 59.8 | ||||||||||||||||||
| Loan per Customer | USD | ... | 1,896 | 2,843 | 3,310 | 3,403 | 4,070 | ||||||||||||||||||
| Deposit per Customer | USD | ... | 4,140 | 5,032 | 4,813 | 5,091 | 5,506 |
Get all company financials in excel:
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's retail loans reached CZK 62,070 mil in the first quarter of 2023, up 0.032% compared to the previous year. Czech banking sector provided retail loans of CZK 2,156 bil in 1Q2023, up 0.701% when compared to the last year. ...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's net interest margin amounted to 2.01% in the second quarter of 2023, down from 2.02% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.33% in 4Q2008 and an...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's customer deposits reached CZK 60,868 mil in 2023-03-31, down 1.80% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,625 bil in 2023-03-31, up 13.1% when compared to the last year. ...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's loans reached CZK 65,828 mil in the second quarter of 2023, up from CZK 63,691 mil when compared to the previous quarter and up from CZK 60,476 mil when compared to the same period of last year. Historically, the...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's capital adequacy ratio reached 31.2% at the end of second quarter of 2023, up from 29.6% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 31.2% in 2Q2023 and an all time low of ...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny's retail deposits reached CZK 60,852 mil in 2023-03-31, down 1.83% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,447 bil in 2023-03-31, up 1.48% when compared to the last year. S...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny made a net profit of CZK 230 mil in the second quarter of 2023, down 21.8% when compared to the same period of last year. This implies a return on equity of 10.8%. Historically, the bank’s net profit reached an all time high of ...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny made a net profit of CZK 230 mil under revenues of CZK 442 mil in the second quarter of 2023, down 21.8% and 4.92% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all tim...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny generated total banking revenues of CZK 434 mil in 2023-03-31, down 34.6% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 55,788 mil in 2023-03-31, down 5.72% when...
By Helgi Library - August 29, 2023
Stavebni Sporitelna Ceske Sporitelny employed 185 persons in 2023-06-30, down 1.60% when compared to the previous year. Historically, the bank's workforce hit an all time high of 304 persons in 2003-12-31 and an all time low of 170 in 2016-03-31. Average cost reac...
Stavební Spořitelna České Spořitelny is one of the five building savings banks operating in the Czech Republic. It's fully owned by Ceska Sporitelna, the largest retail bank in the country.
Stavebni Sporitelna Ceske Sporitelny has been growing its revenues and asset by 2.38% and -3.63% a year on average in the last 10 years. Its loans and deposits have grown by 5.12% and -4.45% a year during that time and loans to deposits ratio reached 103% at the end of 2022. The company achieved an average return on equity of 14.3% in the last decade with net profit growing 4.89% a year on average. In terms of operating efficiency, its cost to income ratio reached 26.3% in 2022, compared to 32.8% average in the last decade.
Equity represented 11.5% of total assets or 12.9% of loans at the end of 2022. Stavebni Sporitelna Ceske Sporitelny's non-performing loans were 1.01% of total loans while provisions covered some 98.3% of NPLs at the end of 2022.
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