By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna made a net profit of CZK 161 mil in the third quarter of 2020, up 44.6% when compared to the same p...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna made a net profit of CZK 161 mil under revenues of CZK 91.0 mil in the third quarter of 2020, up 44.6% ...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna employed 140 persons in 2020-09-30, down 42.1% when compared to the previous year. Historically, t...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | CZK mil | 639 | 747 | 796 |
| Fee Income (As % Of Revenues) | % | 13.9 | 11.2 | 7.92 |
| Other Income | CZK mil | 226 | 195 | 216 |
| Total Revenues | CZK mil | 1,005 | 1,061 | 1,099 |
| Staff Cost | CZK mil | 241 | 268 | 291 |
| Operating Profit | CZK mil | 423 | 419 | 444 |
| Provisions | CZK mil | 159 | 86.3 | -100.0 |
| Net Profit | CZK mil | 215 | 301 | 439 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | CZK mil | 1,168 | 1,000 | 893 |
| Customer Loans | CZK mil | 20,120 | 17,905 | 17,436 |
| Investments | CZK mil | 11,318 | 13,357 | 12,938 |
| Total Assets | CZK mil | 36,996 | 35,445 | 35,638 |
| Shareholders' Equity | CZK mil | 3,289 | 3,166 | 3,023 |
| Interbank Borrowing | CZK mil | 65.5 | 8.59 | 8.49 |
| Customer Deposits | CZK mil | 32,579 | 31,427 | 31,647 |
| Issued Debt Securities | CZK mil | 0 | 0 | 0 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 6.40 | 9.34 | 14.2 |
| ROA | % | 0.579 | 0.832 | 1.23 |
| Costs (As % Of Assets) | % | 1.56 | 1.77 | 1.84 |
| Costs (As % Of Income) | % | 57.9 | 60.5 | 59.6 |
| Capital Adequacy Ratio | % | 18.4 | 17.1 | 15.5 |
| Net Interest Margin | % | 1.72 | 2.06 | 2.24 |
| Loans (As % Of Deposits) | % | 61.8 | 57.0 | 55.1 |
| NPLs (As % Of Loans) | % | 3.99 | 7.91 | 4.35 |
| Provisions (As % Of NPLs) | % | 97.4 | 70.3 | 120 |
| Growth Rates | 2017 | 2018 | 2019 | |
| Total Revenue Growth | % | 4.88 | 5.63 | 3.57 |
| Operating Cost Growth | % | 0.064 | 10.5 | 2.05 |
| Operating Profit Growth | % | 12.3 | -0.997 | 5.90 |
| Net Profit Growth | % | 0.140 | 40.0 | 45.5 |
| Customer Loan Growth | % | -5.80 | -11.0 | -2.62 |
| Total Asset Growth | % | -0.901 | -4.19 | 0.544 |
| Customer Deposit Growth | % | -2.83 | -3.54 | 0.699 |
| Shareholders' Equity Growth | % | -4.24 | -3.76 | -4.49 |
| Employees | 248 | 263 | 258 | |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||||||
| Net Interest Income | CZK mil | 511 | 599 | 632 | 639 | 747 | ... | |||||||||||||||
| Total Revenues | CZK mil | 668 | 730 | 958 | 1,005 | 1,061 | ... | |||||||||||||||
| Operating Profit | CZK mil | 191 | 198 | 377 | 423 | 419 | ... | |||||||||||||||
| Net Profit | CZK mil | 90.0 | 93.0 | 215 | 215 | 301 | ... | |||||||||||||||
| balance sheet | ||||||||||||||||||||||
| Interbank Loans | CZK mil | 2,769 | 1,922 | 527 | 1,168 | 1,000 | ... | |||||||||||||||
| Customer Loans | CZK mil | 23,735 | 22,467 | 21,358 | 20,120 | 17,905 | ... | |||||||||||||||
| Investments | CZK mil | 10,756 | 10,101 | 11,070 | 11,318 | 13,357 | ... | |||||||||||||||
| Total Assets | CZK mil | 41,413 | 36,904 | 37,332 | 36,996 | 35,445 | ... | |||||||||||||||
| Shareholders' Equity | CZK mil | 3,113 | 3,245 | 3,435 | 3,289 | 3,166 | ... | |||||||||||||||
| Interbank Borrowing | CZK mil | 11.0 | 0 | 10.0 | 65.5 | 8.59 | ... | |||||||||||||||
| Customer Deposits | CZK mil | 37,834 | 33,333 | 33,527 | 32,579 | 31,427 | ... | |||||||||||||||
| Issued Debt Securities | CZK mil | 106 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| ratios | ||||||||||||||||||||||
| ROE | % | ... | 2.97 | 2.93 | 6.44 | 6.40 | 9.34 | ... | ||||||||||||||
| ROA | % | ... | 0.213 | 0.237 | 0.579 | 0.579 | 0.832 | ... | ||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.13 | 1.36 | 1.57 | 1.56 | 1.77 | ... | ||||||||||||||
| Costs (As % Of Income) | % | 71.4 | 72.9 | 60.6 | 57.9 | 60.5 | ... | |||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 15.7 | 18.1 | 19.0 | 18.4 | 17.1 | ... | |||||||||||
| Net Interest Margin | % | ... | 1.21 | 1.53 | 1.70 | 1.72 | 2.06 | ... | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 76.5 | 82.1 | 66.0 | 63.6 | 70.4 | ... | |||||||||||||||
| Fee Income (As % Of Revenues) | % | 21.0 | 15.5 | 13.0 | 13.9 | 11.2 | ... | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.1 | 34.4 | 40.4 | 41.5 | 41.7 | ... | |||||||||||||||
| Equity (As % Of Assets) | % | 7.52 | 8.79 | 9.20 | 8.89 | 8.93 | ... | |||||||||||||||
| Loans (As % Of Deposits) | % | 62.7 | 67.4 | 63.7 | 61.8 | 57.0 | ... | |||||||||||||||
| Loans (As % Assets) | % | 57.3 | 60.9 | 57.2 | 54.4 | 50.5 | ... | |||||||||||||||
| NPLs (As % Of Loans) | % | 3.16 | 3.29 | 3.65 | 3.99 | 7.91 | ... | |||||||||||||||
| Provisions (As % Of NPLs) | % | 70.2 | 76.7 | 85.0 | 97.4 | 70.3 | ... |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| income statement | ||||||||||||||||||||||
| Interest Income | CZK mil | 1,474 | 1,389 | 1,323 | 1,270 | 1,267 | ... | |||||||||||||||
| Interest Cost | CZK mil | 963 | 790 | 691 | 631 | 520 | ... | |||||||||||||||
| Net Interest Income | CZK mil | 511 | 599 | 632 | 639 | 747 | ... | |||||||||||||||
| Net Fee Income | CZK mil | 140 | 113 | 125 | 140 | 119 | ... | |||||||||||||||
| Other Income | CZK mil | 17.0 | 18.0 | 201 | 226 | 195 | ... | |||||||||||||||
| Total Revenues | CZK mil | 668 | 730 | 958 | 1,005 | 1,061 | ... | |||||||||||||||
| Staff Cost | CZK mil | 172 | 183 | 235 | 241 | 268 | ... | |||||||||||||||
| Depreciation | CZK mil | 54.0 | 89.0 | 66.0 | 82.3 | 78.1 | ... | |||||||||||||||
| Other Cost | CZK mil | 251 | 260 | 280 | 258 | 296 | ... | |||||||||||||||
| Operating Cost | CZK mil | 477 | 532 | 581 | 581 | 642 | ... | |||||||||||||||
| Operating Profit | CZK mil | 191 | 198 | 377 | 423 | 419 | ... | |||||||||||||||
| Provisions | CZK mil | 77.0 | 81.0 | 109 | 159 | 86.3 | ... | |||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| Pre-Tax Profit | CZK mil | 114 | 117 | 268 | 264 | 333 | ... | |||||||||||||||
| Tax | CZK mil | 24.0 | 24.0 | 53.0 | 48.9 | 31.5 | ... | |||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| Net Profit | CZK mil | 90.0 | 93.0 | 215 | 215 | 301 | ... | |||||||||||||||
| Net Profit Avail. to Common | CZK mil | 90.0 | 93.0 | 215 | 215 | 301 | ... | |||||||||||||||
| growth rates | ||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -15.4 | 17.2 | 5.51 | 1.18 | 16.8 | ... | ||||||||||||||
| Net Fee Income Growth | % | ... | -44.9 | -19.3 | 10.6 | 11.7 | -14.5 | ... | ||||||||||||||
| Total Revenue Growth | % | ... | -23.5 | 9.28 | 31.2 | 4.88 | 5.63 | ... | ||||||||||||||
| Operating Cost Growth | % | ... | -3.83 | 11.5 | 9.21 | 0.064 | 10.5 | ... | ||||||||||||||
| Operating Profit Growth | % | ... | -49.3 | 3.66 | 90.4 | 12.3 | -0.997 | ... | ||||||||||||||
| Pre-Tax Profit Growth | % | ... | -65.5 | 2.63 | 129 | -1.43 | 26.0 | ... | ||||||||||||||
| Net Profit Growth | % | ... | -66.3 | 3.33 | 131 | 0.140 | 40.0 | ... | ||||||||||||||
| market share | ||||||||||||||||||||||
| Market Share in Revenues | % | 0.398 | 0.419 | 0.532 | 0.561 | 0.557 | ... | ... | ||||||||||||||
| Market Share in Net Profit | % | 0.143 | 0.140 | 0.292 | 0.286 | 0.370 | ... | ... | ||||||||||||||
| Market Share in Employees | % | 0.788 | 0.586 | 0.600 | 0.592 | 0.628 | ... | ... | ||||||||||||||
| Market Share in Branches | % | 0.045 | 0.046 | 0.049 | 0.051 | 0.051 | ... | ... |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| balance sheet | ||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 3,328 | 1,753 | 3,680 | 500 | 228 | ... | |||||||||||||||
| Interbank Loans | CZK mil | 2,769 | 1,922 | 527 | 1,168 | 1,000 | ... | |||||||||||||||
| Customer Loans | CZK mil | 23,735 | 22,467 | 21,358 | 20,120 | 17,905 | ... | |||||||||||||||
| Retail Loans | CZK mil | 20,694 | 19,849 | 19,200 | 18,249 | 17,382 | ... | |||||||||||||||
| Mortgage Loans | CZK mil | 20,694 | 19,849 | 19,200 | 18,249 | 17,382 | ... | |||||||||||||||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| Corporate Loans | CZK mil | 2,992 | 2,566 | 2,127 | 1,814 | 1,577 | ... | |||||||||||||||
| Investments | CZK mil | 10,756 | 10,101 | 11,070 | 11,318 | 13,357 | ... | |||||||||||||||
| Property and Equipment | CZK mil | 245 | 208 | 225 | 156 | 128 | ... | ... | ||||||||||||||
| Total Assets | CZK mil | 41,413 | 36,904 | 37,332 | 36,996 | 35,445 | ... | |||||||||||||||
| Shareholders' Equity | CZK mil | 3,113 | 3,245 | 3,435 | 3,289 | 3,166 | ... | |||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| Liabilities | CZK mil | 38,300 | 33,659 | 33,897 | 33,706 | 32,279 | ... | |||||||||||||||
| Interbank Borrowing | CZK mil | 11.0 | 0 | 10.0 | 65.5 | 8.59 | ... | |||||||||||||||
| Customer Deposits | CZK mil | 37,834 | 33,333 | 33,527 | 32,579 | 31,427 | ... | |||||||||||||||
| Retail Deposits | CZK mil | 36,495 | 32,100 | 32,079 | 32,054 | 30,987 | ... | |||||||||||||||
| Corporate Deposits | CZK mil | 773 | 653 | 600 | 513 | 440 | ... | |||||||||||||||
| Issued Debt Securities | CZK mil | 106 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| Other Liabilities | CZK mil | 349 | 326 | 360 | 1,061 | 844 | ... | |||||||||||||||
| asset quality | ||||||||||||||||||||||
| Non-Performing Loans | CZK mil | 768 | 759 | 804 | 835 | 1,500 | ... | |||||||||||||||
| Gross Loans | CZK mil | 24,274 | 23,049 | 22,041 | 20,924 | 18,959 | ... | |||||||||||||||
| Total Provisions | CZK mil | 539 | 582 | 683 | 814 | 1,054 | ... | |||||||||||||||
| growth rates | ||||||||||||||||||||||
| Customer Loan Growth | % | ... | -8.18 | -5.34 | -4.94 | -5.80 | -11.0 | ... | ||||||||||||||
| Retail Loan Growth | % | ... | -19.9 | -4.08 | -3.27 | -4.95 | -4.75 | ... | ||||||||||||||
| Mortgage Loan Growth | % | ... | -19.9 | -4.08 | -3.27 | -4.95 | -4.75 | ... | ||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -14.2 | -17.1 | -14.7 | -13.1 | ... | |
| Total Asset Growth | % | ... | -3.73 | -10.9 | 1.16 | -0.901 | -4.19 | ... | ||||||||||||||
| Shareholders' Equity Growth | % | ... | 5.31 | 4.24 | 5.86 | -4.24 | -3.76 | ... | ||||||||||||||
| Customer Deposit Growth | % | ... | -4.46 | -11.9 | 0.582 | -2.83 | -3.54 | ... | ||||||||||||||
| Retail Deposit Growth | % | ... | -7.85 | -12.0 | -0.067 | -0.077 | -3.33 | ... | ||||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -15.5 | -8.14 | -14.4 | -14.2 | ... | |
| market share | ||||||||||||||||||||||
| Market Share in Customer Loans | % | 0.901 | 0.807 | 0.724 | 0.652 | 0.542 | ... | |||||||||||||||
| Market Share in Corporate Loans | % | 0.342 | 0.279 | 0.218 | 0.177 | 0.146 | ... | |||||||||||||||
| Market Share in Retail Loans | % | 0 | 0 | 0 | 0 | 0 | ... | |||||||||||||||
| Market Share in Consumer Loans | % | 1.68 | 1.50 | 1.35 | 1.19 | 1.06 | ... | |||||||||||||||
| Market Share in Mortgage Loans | % | 2.30 | 2.04 | 1.82 | 1.59 | 1.40 | ... | |||||||||||||||
| Market Share in Total Assets | % | 0.769 | 0.665 | 0.620 | 0.524 | 0.483 | ... | |||||||||||||||
| Market Share in Customer Deposits | % | 1.10 | 0.947 | 0.890 | 0.781 | 0.707 | ... | |||||||||||||||
| Market Share in Retail Deposits | % | 1.90 | 1.58 | 1.45 | 1.35 | 1.21 | ... | |||||||||||||||
| Market Share in Corporate Deposits | % | 0.092 | 0.071 | 0.065 | 0.052 | 0.042 | ... |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| ROE | % | ... | 2.97 | 2.93 | 6.44 | 6.40 | 9.34 | ... | ||||||||||||||
| ROA | % | ... | 0.213 | 0.237 | 0.579 | 0.579 | 0.832 | ... | ||||||||||||||
| Return on Loans | % | ... | 0.363 | 0.403 | 0.981 | 1.04 | 1.59 | ... | ||||||||||||||
| operating profit (as % of rwa) | ||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.13 | 1.36 | 1.57 | 1.56 | 1.77 | ... | ||||||||||||||
| Costs (As % Of Income) | % | 71.4 | 72.9 | 60.6 | 57.9 | 60.5 | ... | |||||||||||||||
| Costs (As % Of Loans) | % | ... | 1.92 | 2.30 | 2.65 | 2.80 | 3.38 | ... | ||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.751 | 0.907 | 1.05 | 1.08 | 1.26 | ... | ||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 15.7 | 18.1 | 19.0 | 18.4 | 17.1 | ... | |||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | 15.7 | 18.1 | 19.0 | 18.4 | 17.1 | ... | |||||||||||
| Net Interest Margin | % | ... | 1.21 | 1.53 | 1.70 | 1.72 | 2.06 | ... | ||||||||||||||
| Interest Spread | % | ... | 1.03 | 1.35 | 1.52 | 1.55 | 1.92 | ... | ||||||||||||||
| Asset Yield | % | ... | 3.49 | 3.55 | 3.56 | 3.42 | 3.50 | ... | ||||||||||||||
| revenues (as % of rwa) | ||||||||||||||||||||||
| Cost Of Liabilities | % | ... | 2.46 | 2.20 | 2.05 | 1.87 | 1.58 | ... | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 76.5 | 82.1 | 66.0 | 63.6 | 70.4 | ... | |||||||||||||||
| Fee Income (As % Of Revenues) | % | 21.0 | 15.5 | 13.0 | 13.9 | 11.2 | ... | |||||||||||||||
| Other Income (As % Of Revenues) | % | 2.54 | 2.47 | 21.0 | 22.5 | 18.4 | ... | |||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.1 | 34.4 | 40.4 | 41.5 | 41.7 | ... | |||||||||||||||
| Equity (As % Of Assets) | % | 7.52 | 8.79 | 9.20 | 8.89 | 8.93 | ... | |||||||||||||||
| Equity (As % Of Loans) | % | 13.1 | 14.4 | 16.1 | 16.3 | 17.7 | ... | |||||||||||||||
| Loans (As % Of Deposits) | % | 62.7 | 67.4 | 63.7 | 61.8 | 57.0 | ... | |||||||||||||||
| Loans (As % Assets) | % | 57.3 | 60.9 | 57.2 | 54.4 | 50.5 | ... | |||||||||||||||
| NPLs (As % Of Loans) | % | 3.16 | 3.29 | 3.65 | 3.99 | 7.91 | ... | |||||||||||||||
| Provisions (As % Of NPLs) | % | 70.2 | 76.7 | 85.0 | 97.4 | 70.3 | ... | |||||||||||||||
| Provisions (As % Of Loans) | % | 2.27 | 2.59 | 3.20 | 4.04 | 5.89 | ... | |||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.311 | 0.351 | 0.497 | 0.768 | 0.454 | ... |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Branches | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ... | ||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Employees | 318 | 241 | 246 | 248 | 263 | ... | ||||||||||||||||
| Employees Per Bank Branch | 318 | 241 | 246 | 248 | 263 | ... | ||||||||||||||||
| Cost Per Employee | USD per month | 2,109 | 2,649 | 3,155 | 3,455 | 3,881 | ... | |||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 45,073 | 63,225 | 79,607 | 81,072 | 84,920 | ... |
| customer breakdown | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| Customers | mil | 0.438 | 0.405 | 0.393 | 0.384 | 0.372 | ... | |||||||||||||||
| Number of Accounts | mil | 0.438 | 0.405 | 0.393 | 0.384 | 0.372 | ||||||||||||||||
| Number of Mortgages | mil | 0.058 | 0.055 | 0.054 | 0.052 | 0.050 | ||||||||||||||||
| Average Size of Deposit | CZK | 86,472 | 82,263 | 85,402 | 84,845 | 84,545 | ... | |||||||||||||||
| Average Size of Mortgage Loan | CZK | 358,530 | 360,223 | 357,506 | 350,026 | 344,866 | ... | |||||||||||||||
| Accounts (As % of Total Clients) | % | 100 | 100 | 100 | 100 | 100 | ... | |||||||||||||||
| Mortgages (As % of Total Clients) | % | 13.2 | 13.6 | 13.7 | 13.6 | 13.6 | ... | |||||||||||||||
| Revenue per Customer (Local Currency) | CZK | 1,527 | 1,802 | 2,440 | 2,617 | 2,855 | ... | |||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | 206 | 230 | 548 | 561 | 811 | ... | |||||||||||||||
| Loan per Customer (Local Currency) | CZK | 54,248 | 55,447 | 54,404 | 52,398 | 48,168 | ... | |||||||||||||||
| Deposit per Customer (Local Currency) | CZK | 86,472 | 82,263 | 85,402 | 84,845 | 84,545 | ... | |||||||||||||||
| Revenue per Customer | USD | 71.4 | 75.5 | 96.7 | 112 | 131 | ... | |||||||||||||||
| Net Profit per Customer | USD | 9.62 | 9.62 | 21.7 | 23.9 | 37.1 | ... | |||||||||||||||
| Loan per Customer | USD | 2,367 | 2,234 | 2,122 | 2,461 | 2,144 | ... | |||||||||||||||
| Deposit per Customer | USD | 3,774 | 3,314 | 3,331 | 3,985 | 3,763 | ... |
Get all company financials in excel:
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna generated total banking revenues of CZK 91.0 mil in 2020-09-30, down 76.0% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 41,746 mil in 2020-09-30, down 13.4% when compa...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's loans reached CZK 17,277 mil in the third quarter of 2020, down from CZK 17,652 mil when compared to the previous quarter and down from CZK 18,340 mil when compared to the same period of last year. Historically, the ban...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's mortgage loans reached CZK 16,052 mil in 2020-09-30, down 2.09% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,403 bil in 2020-09-30, up 2.12% when compared to the last year. Wustenrot ...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's non-performing loans reached 3.15% of total loans at the end of 2020-09-30, down from 7.96% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.26% in 2018-09-30 and an all time low of 1.65% in 2010...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's net interest margin amounted to 2.19% in the third quarter of 2020, up from 2.12% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.02% in 3Q2005 and an all time ...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's customer deposits reached CZK 29,943 mil in 2020-09-30, down 1.25% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,550 bil in 2020-09-30, up 2.53% when compared to the last year. Wust...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's customer loans reached CZK 16,543 mil in 2020-09-30, down 0.890% compared to the previous year. Czech banking sector provided customer loans of CZK 3,619 bil in 2020-09-30, up 1.08% when compared to the last year. Wustenrot...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's Cost of Risk (loan loss provisions as % of total assets) amounted to -2.70% in the third quarter of 2020, down from 0.871% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high of 0....
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's capital adequacy ratio reached 17.8% at the end of third quarter of 2020, down from 18.0% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 19.5% in 2Q2016 and an all time low of 14...
By Helgi Analytics - February 15, 2021
Wustenrot Stavebni Sporitelna's retail deposits reached CZK 29,633 mil in 2020-09-30, down 1.22% compared to the previous year. Czech banking sector accepted retail deposits of CZK 2,961 bil in 2020-09-30, up 2.15% when compared to the last year. Wustenro...
Wüstenrot Stavební Spořitelna is the Czech Republic's smallest building savings bank. In 2012, the bank held a 10.5% share of building savings loans and 8.7% of deposits. Partly because of its small size (and limited economies of scale and synergies with a would-be commercial bank on the Czech market) and its conservative approach (the bank has the best loan quality and provision coverage), the bank is traditionally the least profitable building savings bank on the market. In 2012, the bank achieved ROE of “only” 9.7%, compared to the 15.2% of the 5-building savings banks average. Size matters and the lack of economies of scale is reflected in Wüstenrot’s low cost efficiency. In 2012, the bank’s operating costs accounted for 1.27% of average assets, nearly twice as much as the other savings banks.
Wustenrot Stavebni Sporitelna has been growing its revenues and asset by -100% and -100% a year on average in the last 10 years. Its loans and deposits have grown by -100% and -100% a year during that time and loans to deposits ratio reached at the end of 2020. The company achieved an average return on equity of 8.03% in the last decade with net profit growing -100% a year on average. In terms of operating efficiency, its cost to income ratio reached in 2020, compared to 60.4% average in the last decade.
Equity represented of total assets or of loans at the end of 2020. Wustenrot Stavebni Sporitelna's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2020.
Helgi Analytics 
