We use cookies to personalise the web experience for you. By using www.helgilibrary.com, you agree to our use of cookies.
Some cookies are also used by Google Analytics, which anonymously tracks visitors and helps us to analyse how users use our website. Read more

Czech Banking - Analysis of 3Q2014

You might also find useful data from the Banking sector.

More data on The Czech Republic.

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.

Register to Download

The report is free to download, just register at our webpage.

from $199 /month

Buy annual subscriptions for all our products

Report of the Week

Helgi Library offers a free report per week to its registered users. Subscribe to receive our “Report of the Week” below.

January 11, 2015 Helgi Analytics

Related Reports

Report Date Country Sector Type
Comparison of 24 Banks in Czech RepublicJan 2019Czech RepublicBankingStatistical Dossier
Comparison of 22 Banks in Czech RepublicJan 2019Czech RepublicBankingStatistical Dossier
Komercni Banka in Quarterly NumbersNov 2018Czech RepublicBankingStatistical Dossier
Komercni Banka in NumbersSep 2018Czech RepublicBankingStatistical Dossier
Komercni Banka in NumbersFeb 2016Czech RepublicBankingStatistical Dossier
MPSS at a GlanceJan 2014Czech RepublicBankingCompany ReportDownload
Komercni Banka at a GlanceAug 2013Czech RepublicBankingCompany ReportRegister
Komercni Banka in NumbersJul 2013Czech RepublicBankingStatistical Dossier
Komercni Banka - Analysis of Mortgage Lending in 1Q13Jun 2013Czech RepublicBanking

Related Charts