By Helgi Analytics - July 24, 2019
Stavebni Sporitelna Ceske Sporitelny's non-performing loans reached 0.834% of total loans at the end of 2018-09-30, down from 2.1...
By Helgi Analytics - December 12, 2019
Stavebni Sporitelna Ceske Sporitelny's corporate deposits reached CZK 34.9 mil in 2018-09-30, down 1.67% compared to the previous yea...
By Helgi Analytics - December 12, 2019
Stavebni Sporitelna Ceske Sporitelny's retail deposits reached CZK 61,991 mil in 2018-09-30, down 2.18% compared to the previous year...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | CZK mil | 1,142 | 933 | 899 |
| Fee Income (As % Of Revenues) | % | 19.5 | 25.2 | 26.4 |
| Other Income | CZK mil | -50.0 | -26.0 | 10.5 |
| Total Revenues | CZK mil | 1,356 | 1,213 | 1,237 |
| Staff Cost | CZK mil | 180 | 211 | 178 |
| Operating Profit | CZK mil | 937 | 789 | 777 |
| Provisions | CZK mil | 185 | 85.0 | -51.8 |
| Net Profit | CZK mil | 648 | 586 | 680 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | CZK mil | 12,109 | 7,991 | 4,559 |
| Customer Loans | CZK mil | 34,817 | 35,282 | 36,956 |
| Debt Securities | CZK mil | 22,272 | 17,933 | 14,263 |
| Total Assets | CZK mil | 79,727 | 82,552 | 76,215 |
| Shareholders' Equity | CZK mil | 4,567 | 4,910 | 5,083 |
| Interbank Borrowing | CZK mil | 0 | 0 | 4,400 |
| Customer Deposits | CZK mil | 74,537 | 77,050 | 65,408 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 14.8 | 12.4 | 13.6 |
| ROA | % | 0.776 | 0.722 | 0.857 |
| Costs (As % Of Assets) | % | 0.502 | 0.523 | 0.579 |
| Costs (As % Of Income) | % | 30.9 | 35.0 | 37.2 |
| Capital Adequacy Ratio | % | 16.3 | 16.8 | 17.8 |
| Net Interest Margin | % | 1.37 | 1.15 | 1.13 |
| Loans (As % Of Deposits) | % | 46.7 | 45.8 | 56.5 |
| NPLs (As % Of Loans) | % | 2.59 | 2.43 | 2.03 |
| Provisions (As % Of NPLs) | % | 60.9 | 79.3 | 80.0 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 0.668 | -10.5 | 1.98 |
| Operating Cost Growth | % | 6.89 | 1.19 | 8.41 |
| Operating Profit Growth | % | -1.88 | -15.8 | -1.48 |
| Net Profit Growth | % | 11.5 | -9.57 | 16.1 |
| Customer Loan Growth | % | -1.36 | 1.34 | 4.74 |
| Total Asset Growth | % | -8.66 | 3.54 | -7.68 |
| Customer Deposit Growth | % | -9.46 | 3.37 | -15.1 |
| Shareholders' Equity Growth | % | 9.60 | 7.51 | 3.52 |
| Employees | 191 | 175 | 182 | |
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 |
| income statement | ||||||||||||||||||||
| Net Interest Income | CZK mil | 1,700 | 1,503 | 1,142 | 1,183 | 1,142 | ||||||||||||||
| Total Revenues | CZK mil | 1,889 | 1,614 | 1,167 | 1,347 | 1,356 | ||||||||||||||
| Operating Profit | CZK mil | 1,458 | 1,153 | 756 | 955 | 937 | ||||||||||||||
| Net Profit | CZK mil | 1,028 | 789 | 503 | 581 | 648 | ||||||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | CZK mil | 33,053 | 32,887 | 33,044 | 23,677 | 12,109 | ||||||||||||||
| Customer Loans | CZK mil | 40,886 | 38,609 | 36,517 | 35,298 | 34,817 | ||||||||||||||
| Debt Securities | CZK mil | 26,649 | 29,110 | 26,754 | 25,750 | 22,272 | ||||||||||||||
| Total Assets | CZK mil | 103,714 | 103,466 | 99,231 | 87,284 | 79,727 | ||||||||||||||
| Shareholders' Equity | CZK mil | 5,117 | 5,112 | 4,018 | 4,167 | 4,567 | ||||||||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Customer Deposits | CZK mil | 98,006 | 97,741 | 94,667 | 82,329 | 74,537 | ||||||||||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | 19.8 | 15.4 | 11.0 | 14.2 | 14.8 | ||||||||||||||
| ROA | % | 0.994 | 0.762 | 0.496 | 0.623 | 0.776 | ||||||||||||||
| Costs (As % Of Assets) | % | 0.417 | 0.446 | 0.406 | 0.420 | 0.502 | ||||||||||||||
| Costs (As % Of Income) | % | 22.8 | 28.6 | 35.2 | 29.1 | 30.9 | ||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 16.2 | 17.1 | 13.4 | 11.8 | 16.3 | |||||||||
| Net Interest Margin | % | 1.64 | 1.45 | 1.13 | 1.27 | 1.37 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 90.0 | 93.1 | 97.9 | 87.8 | 84.2 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 13.7 | 10.9 | 7.88 | 16.7 | 19.5 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 41.1 | 40.6 | 45.5 | 46.7 | 43.0 | ||||||||||||||
| Equity (As % Of Assets) | % | 4.93 | 4.94 | 4.05 | 4.77 | 5.73 | ||||||||||||||
| Loans (As % Of Deposits) | % | 41.7 | 39.5 | 38.6 | 42.9 | 46.7 | ||||||||||||||
| Loans (As % Assets) | % | 39.4 | 37.3 | 36.8 | 40.4 | 43.7 | ||||||||||||||
| NPLs (As % Of Loans) | % | 3.72 | 4.14 | 4.81 | 4.60 | 2.59 | ||||||||||||||
| Provisions (As % Of NPLs) | % | 48.8 | 51.7 | 59.3 | 67.6 | 60.9 |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||||
| Interest Income | CZK mil | 3,815 | 3,613 | 3,187 | 2,844 | 2,487 | ||||||||||||||
| Interest Cost | CZK mil | 2,115 | 2,110 | 2,045 | 1,661 | 1,345 | ||||||||||||||
| Net Interest Income | CZK mil | 1,700 | 1,503 | 1,142 | 1,183 | 1,142 | ||||||||||||||
| Net Fee Income | CZK mil | 258 | 176 | 92.0 | 225 | 264 | ||||||||||||||
| Other Income | CZK mil | -68.4 | -65.3 | -67.0 | -61.0 | -50.0 | ||||||||||||||
| Total Revenues | CZK mil | 1,889 | 1,614 | 1,167 | 1,347 | 1,356 | ||||||||||||||
| Staff Cost | CZK mil | 177 | 187 | 187 | 183 | 180 | ||||||||||||||
| Depreciation | CZK mil | 42.5 | 52.3 | 53.0 | 51.0 | 81.0 | ||||||||||||||
| Other Cost | CZK mil | 211 | 222 | 171 | 158 | 158 | ||||||||||||||
| Operating Cost | CZK mil | 431 | 462 | 411 | 392 | 419 | ||||||||||||||
| Operating Profit | CZK mil | 1,458 | 1,153 | 756 | 955 | 937 | ||||||||||||||
| Provisions | CZK mil | 272 | 264 | 216 | 311 | 185 | ||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 1.00 | 0 | 0 | ||||||||||||||
| Pre-Tax Profit | CZK mil | 1,186 | 889 | 539 | 644 | 752 | ||||||||||||||
| Tax | CZK mil | 158 | 99.5 | 36.0 | 63.0 | 104 | ||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Net Profit | CZK mil | 1,028 | 789 | 503 | 581 | 648 | ||||||||||||||
| Dividends | CZK mil | ... | ... | ... | 800 | 1,600 | 440 | 250 | 250 | ... | ||||||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | -8.26 | -11.5 | -24.0 | 3.59 | -3.47 | |||||||||||||
| Net Fee Income Growth | % | ... | -45.1 | -31.7 | -47.8 | 145 | 17.3 | |||||||||||||
| Total Revenue Growth | % | ... | -16.6 | -14.5 | -27.7 | 15.4 | 0.668 | |||||||||||||
| Operating Cost Growth | % | ... | 3.21 | 7.16 | -11.0 | -4.62 | 6.89 | |||||||||||||
| Operating Profit Growth | % | ... | -21.1 | -21.0 | -34.4 | 26.3 | -1.88 | |||||||||||||
| Pre-Tax Profit Growth | % | ... | -19.0 | -25.1 | -39.4 | 19.5 | 16.8 | |||||||||||||
| Net Profit Growth | % | ... | -18.9 | -23.2 | -36.3 | 15.5 | 11.5 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | 1.17 | 0.966 | 0.694 | 0.802 | 0.779 | ||||||||||||||
| Market Share in Net Profit | % | ... | 1.93 | 1.23 | 0.824 | 0.921 | 0.977 | |||||||||||||
| Market Share in Employees | % | 0.512 | 0.538 | 0.526 | 0.516 | 0.464 | ||||||||||||||
| Market Share in Branches | % | 0.049 | 0.048 | 0.047 | 0.047 | 0.046 |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||||
| Cash | CZK mil | 1,263 | 1,054 | 1,139 | 1,025 | 9,181 | ||||||||||||||
| Interbank Loans | CZK mil | 33,053 | 32,887 | 33,044 | 23,677 | 12,109 | ||||||||||||||
| Customer Loans | CZK mil | 40,886 | 38,609 | 36,517 | 35,298 | 34,817 | ||||||||||||||
| Retail Loans | CZK mil | 40,886 | 38,609 | 36,517 | 33,183 | 31,196 | ||||||||||||||
| Mortgage Loans | CZK mil | 40,886 | 38,609 | 36,517 | 33,183 | 31,196 | ||||||||||||||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Corporate Loans | CZK mil | 0 | 0 | 0 | 2,115 | 3,621 | ||||||||||||||
| Debt Securities | CZK mil | 26,649 | 29,110 | 26,754 | 25,750 | 22,272 | ||||||||||||||
| Fixed Assets | CZK mil | 420 | 402 | 499 | 478 | 436 | ||||||||||||||
| Total Assets | CZK mil | 103,714 | 103,466 | 99,231 | 87,284 | 79,727 | ||||||||||||||
| Shareholders' Equity | CZK mil | 5,117 | 5,112 | 4,018 | 4,167 | 4,567 | ||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Liabilities | CZK mil | 98,597 | 98,354 | 95,213 | 83,117 | 75,160 | ||||||||||||||
| Interbank Borrowing | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Customer Deposits | CZK mil | 98,006 | 97,741 | 94,667 | 82,329 | 74,537 | ||||||||||||||
| Retail Deposits | CZK mil | 98,006 | 97,741 | 94,667 | 82,329 | 74,537 | ||||||||||||||
| Corporate Deposits | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Issued Debt Securities | CZK mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Other Liabilities | CZK mil | 591 | 613 | 546 | 788 | 623 | ||||||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | CZK mil | 1,551 | 1,632 | 1,807 | 1,677 | 917 | ||||||||||||||
| Gross Loans | CZK mil | 41,643 | 39,452 | 37,588 | 36,431 | 35,375 | ||||||||||||||
| Total Provisions | CZK mil | 758 | 843 | 1,071 | 1,133 | 558 | ||||||||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | -7.72 | -5.57 | -5.42 | -3.34 | -1.36 | |||||||||||||
| Retail Loan Growth | % | ... | -7.72 | -5.57 | -5.42 | -9.13 | -5.99 | |||||||||||||
| Mortgage Loan Growth | % | ... | -7.72 | -5.57 | -5.42 | -9.13 | -5.99 | |||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 71.2 | ||
| Total Asset Growth | % | ... | 0.659 | -0.239 | -4.09 | -12.0 | -8.66 | |||||||||||||
| Shareholders' Equity Growth | % | ... | -3.23 | -0.094 | -21.4 | 3.71 | 9.60 | |||||||||||||
| Customer Deposit Growth | % | ... | 0.478 | -0.271 | -3.14 | -13.0 | -9.46 | |||||||||||||
| Retail Deposit Growth | % | ... | 0.478 | -0.271 | -3.14 | -13.0 | -9.46 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | 1.86 | 1.72 | 1.47 | 1.36 | 1.25 | ||||||||||||||
| Market Share in Corporate Loans | % | 0 | 0 | 0 | 0.242 | 0.393 | ||||||||||||||
| Market Share in Retail Loans | % | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Market Share in Consumer Loans | % | 3.73 | 3.41 | 3.09 | 2.70 | 2.36 | ||||||||||||||
| Market Share in Mortgage Loans | % | 5.29 | 4.77 | 4.28 | 3.69 | 3.21 | ||||||||||||||
| Market Share in Total Assets | % | 2.32 | 2.23 | 1.93 | 1.64 | 1.44 | ||||||||||||||
| Market Share in Customer Deposits | % | 3.64 | 3.46 | 3.10 | 2.40 | 2.12 | ||||||||||||||
| Market Share in Retail Deposits | % | 5.73 | 5.52 | 5.22 | 4.28 | 3.66 | ||||||||||||||
| Market Share in Corporate Deposits | % | 0 | 0 | 0 | 0 | 0 |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||||
| ROE | % | 19.8 | 15.4 | 11.0 | 14.2 | 14.8 | ||||||||||||||
| ROA | % | 0.994 | 0.762 | 0.496 | 0.623 | 0.776 | ||||||||||||||
| Costs (As % Of Assets) | % | 0.417 | 0.446 | 0.406 | 0.420 | 0.502 | ||||||||||||||
| Costs (As % Of Income) | % | 22.8 | 28.6 | 35.2 | 29.1 | 30.9 | ||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 16.2 | 17.1 | 13.4 | 11.8 | 16.3 | |||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | 16.2 | 17.1 | 13.4 | 11.8 | 16.3 | |||||||||
| Net Interest Margin | % | 1.64 | 1.45 | 1.13 | 1.27 | 1.37 | ||||||||||||||
| Interest Spread | % | ... | 1.54 | 1.35 | 1.03 | 1.19 | 1.28 | |||||||||||||
| Asset Yield | % | 3.69 | 3.49 | 3.14 | 3.05 | 2.98 | ||||||||||||||
| Cost Of Liabilities | % | ... | 2.15 | 2.14 | 2.11 | 1.86 | 1.70 | |||||||||||||
| Payout Ratio | % | ... | ... | ... | 77.8 | 203 | 87.5 | 43.0 | 38.6 | ... | ||||||||||
| Interest Income (As % Of Revenues) | % | 90.0 | 93.1 | 97.9 | 87.8 | 84.2 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 13.7 | 10.9 | 7.88 | 16.7 | 19.5 | ||||||||||||||
| Other Income (As % Of Revenues) | % | -3.62 | -4.05 | -5.74 | -4.53 | -3.69 | ||||||||||||||
| Cost Per Employee | USD per month | 4,126 | 3,693 | 3,811 | 3,430 | 3,290 | ||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 72,978 | 72,242 | 74,561 | 73,317 | 78,534 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 41.1 | 40.6 | 45.5 | 46.7 | 43.0 | ||||||||||||||
| Equity (As % Of Assets) | % | 4.93 | 4.94 | 4.05 | 4.77 | 5.73 | ||||||||||||||
| Loans (As % Of Deposits) | % | 41.7 | 39.5 | 38.6 | 42.9 | 46.7 | ||||||||||||||
| Loans (As % Assets) | % | 39.4 | 37.3 | 36.8 | 40.4 | 43.7 | ||||||||||||||
| NPLs (As % Of Loans) | % | 3.72 | 4.14 | 4.81 | 4.60 | 2.59 | ||||||||||||||
| Provisions (As % Of NPLs) | % | 48.8 | 51.7 | 59.3 | 67.6 | 60.9 | ||||||||||||||
| Provisions (As % Of Loans) | % | 1.85 | 2.18 | 2.93 | 3.21 | 1.60 | ||||||||||||||
| Cost of Provisions (As % Of Loans) | % | 0.639 | 0.664 | 0.575 | 0.866 | 0.528 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||||
| Branches | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |||||||||||||||
| Employees | 202 | 216 | 209 | 208 | 191 | |||||||||||||||
| Number Of Loan Contracts | '000 | ... | ... | 187 | 176 | 163 | 152 | ... | ... | ... | ||||||||||
| Sale Of New Loan Contracts | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16.0 | ... | ... | ... | ... | ... | ... | |||
| Number Of Deposit Contracts | '000 | ... | 1,096 | 1,018 | 928 | 791 | ... | ... | ... | |||||||||||
| Sale Of New Deposit Contracts | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||
| Number Of All Contracts | '000 | ... | ... | 1,284 | 1,194 | 923 | 806 | ... | ... | ... | ||||||||||
| Size Of Average Loan | CZK mil | ... | ... | 0.218 | 0.219 | 0.223 | 0.233 | ... | ... | ... | ||||||||||
| Size Of Average Deposit | CZK mil | ... | 0.089 | 0.096 | 0.102 | 0.104 | ... | ... | ... |
Get all company financials in excel:
By Helgi Analytics - July 24, 2019
Stavebni Sporitelna Ceske Sporitelny's mortgage loans reached CZK 38,478 mil in 2018-09-30, up 2.71% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,218 bil in 2018-09-30, up 2.17% when compared to the last year. Stave...
By Helgi Analytics - January 21, 2019
Stavebni Sporitelna Ceske Sporitelny made a net profit of CZK 214 mil in the third quarter of 2018, up 20% when compared to the same period of last year. This implies a return on equity of 17.1%. Historically, the bank’s net profit reached an all time high of CZK...
By Helgi Analytics - January 21, 2019
Stavebni Sporitelna Ceske Sporitelny's loans reached CZK 39,881 mil in the third quarter of 2018, up from CZK 38,862 mil when compared to the previous quarter and up from CZK 36,963 mil when compared to the same period of last year. Historically, the ...
By Helgi Analytics - December 12, 2019
Stavebni Sporitelna Ceske Sporitelny's customer loans reached CZK 39,881 mil in 2018-09-30, up 2.62% compared to the previous year. Czech banking sector provided customer loans of CZK 3,328 bil in 2018-09-30, up 2.94% when compared to the last year. Stave...
By Helgi Analytics - December 12, 2019
Stavebni Sporitelna Ceske Sporitelny's customer deposits reached CZK 62,026 mil in 2018-09-30, down 2.18% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,501 bil in 2018-09-30, up 1.39% when compared to the last year. ...
By Helgi Analytics - July 24, 2019
Stavebni Sporitelna Ceske Sporitelny employed 188 persons in 2018-09-30, down 1.57% 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...
By Helgi Analytics - January 21, 2019
Stavebni Sporitelna Ceske Sporitelny's net interest margin amounted to 1.58% in the third quarter of 2018, up from 1.42% 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 al...
By Helgi Analytics - December 12, 2019
Stavebni Sporitelna Ceske Sporitelny's retail loans reached CZK 38,478 mil in the third quarter of 2018, up 2.71% compared to the previous year. Czech banking sector provided retail loans of CZK 1,615 bil in 3Q2018, up 1.97% when compared to the last year. ...
By Helgi Analytics - January 21, 2019
Stavebni Sporitelna Ceske Sporitelny's capital adequacy ratio reached 19.0% at the end of third quarter of 2018, down from 19.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.2% in 1Q2018 and an all time low of...
By Helgi Analytics - December 12, 2019
Stavebni Sporitelna Ceske Sporitelny's consumer loans reached CZK 0 mil in 2018-09-30, down 0% compared to the previous year. Czech banking sector provided consumer loans of CZK 397 bil in 2018-09-30, up 1.37% when compared to the last year. Stavebni Spor...
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 -4.48% and -2.30% a year on average in the last 10 years. Its loans and deposits have grown by 1.06% and -3.12% a year during that time and loans to deposits ratio reached 56.5% at the end of 2017. The company achieved an average return on equity of 18.8% in the last decade with net profit growing -4.74% a year on average. In terms of operating efficiency, its cost to income ratio reached 37.2% in 2017, compared to 27.0% average in the last decade.
Equity represented 6.67% of total assets or 13.8% of loans at the end of 2017. Stavebni Sporitelna Ceske Sporitelny's non-performing loans were 2.03% of total loans while provisions covered some 80.0% of NPLs at the end of 2017.
Helgi Analytics 
