Ceska Sporitelna's non-performing loans reached 1.80% of total loans at the end of 2023, down from 1.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 15.1% in 2001 and an all time low of 1.80% in 2023.
Provision coverage amounted to 111% at the end of 2023, down from 117% compared to a year earlier.
The bank created loan loss provisions worth of 0.087% of average loans in 2023. That's compared to 0.289% of loans the bank put aside to its cost on average in the last five years.
Comparing Ceska Sporitelna with its closest peers, CSOB operated at the end of 2023 with NPL ratio of 1.51% and provision coverage of 45.2%, Komercni Banka with 1.85% and 47.1% respectively and MONETA Money Bank had 1.40% of bad loans covered with 122% by provisions at the end of 2023.
You can see all the bank’s data at Ceska Sporitelna Profile, or you can download a report on the bank in the report section.
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