By Helgi Library - March 12, 2025
Ceska Sporitelna made a net profit of CZK 6,803 mil in the fourth quarter of 2024, up 68.6% when compared to the same period of l...
By Helgi Library - March 12, 2025
Ceska Sporitelna made a net profit of CZK 6,803 mil under revenues of CZK 14,784 mil in the fourth quarter of 2024, up 68.6% and ...
By Helgi Library - March 12, 2025
Ceska Sporitelna's mortgage loans reached CZK 459,939 mil in 4Q2024, up 2.62% compared to the previous year. Czech banking sect...
| Profit Statement | 2022 | 2023 | 2024 | |
| Net Interest Income | CZK mil | 36,719 | 34,583 | 39,811 |
| Net Fee Income | CZK mil | 9,504 | 10,894 | 12,778 |
| Other Income | CZK mil | 3,652 | 2,888 | 3,897 |
| Total Revenues | CZK mil | 49,875 | 48,365 | 56,486 |
| Staff Cost | CZK mil | 11,458 | 12,685 | 13,232 |
| Operating Profit | CZK mil | 28,540 | 25,221 | 32,182 |
| Provisions | CZK mil | 636 | 825 | -261 |
| Net Profit | CZK mil | 20,188 | 18,680 | 26,238 |
| Balance Sheet | 2022 | 2023 | 2024 | |
| Interbank Loans | CZK mil | 266,675 | 304,007 | 443,389 |
| Customer Loans | CZK mil | 900,534 | 996,818 | 1,076,242 |
| Investments | CZK mil | 407,579 | 426,191 | 440,520 |
| Total Assets | CZK mil | 1,639,938 | 1,797,820 | 2,030,076 |
| Shareholders' Equity | CZK mil | 137,711 | 144,501 | 154,766 |
| Interbank Borrowing | CZK mil | 113,541 | 122,287 | 275,456 |
| Customer Deposits | CZK mil | 1,225,464 | 1,352,755 | 1,481,865 |
| Issued Debt Securities | CZK mil | 76,657 | 121,451 | 81,509 |
| Ratios | 2022 | 2023 | 2024 | |
| ROE | % | 14.4 | 13.2 | 17.5 |
| ROA | % | 1.23 | 1.09 | 1.37 |
| Costs (As % Of Assets) | % | 1.30 | 1.35 | 1.27 |
| Costs (As % Of Income) | % | 42.8 | 47.9 | 43.0 |
| Capital Adequacy Ratio | % | 20.2 | 19.6 | 18.6 |
| Net Interest Margin | % | 2.24 | 2.01 | 2.08 |
| Loans (As % Of Deposits) | % | 73.5 | 73.7 | 72.6 |
| NPLs (As % Of Loans) | % | 1.90 | 1.80 | 1.80 |
| Provisions (As % Of NPLs) | % | 117 | 111 | 102 |
| Growth Rates | 2022 | 2023 | 2024 | |
| Total Revenue Growth | % | 17.8 | -3.03 | 16.8 |
| Operating Cost Growth | % | 4.59 | 8.48 | 5.01 |
| Operating Profit Growth | % | 30.0 | -11.6 | 27.6 |
| Net Profit Growth | % | 42.1 | -7.47 | 40.5 |
| Customer Loan Growth | % | 9.58 | 10.7 | 7.97 |
| Total Asset Growth | % | -0.110 | 9.63 | 12.9 |
| Customer Deposit Growth | % | 4.39 | 10.4 | 9.54 |
| Shareholders' Equity Growth | % | -3.83 | 4.93 | 7.10 |
| Employees | 10,010 | 9,829 | 9,674 | |
Get all company financials in excel:
| summary | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| income statement | ||||||||||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | 27,821 | 30,261 | 29,099 | 31,083 | 36,719 | ||||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | 39,088 | 41,899 | 40,147 | 42,354 | 49,875 | ||||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | 20,761 | 22,547 | 21,037 | 21,956 | 28,540 | ||||||||||||||||||||
| Net Profit | CZK mil | ... | ... | 15,362 | 17,743 | 10,006 | 14,208 | 20,188 | ||||||||||||||||||||
| balance sheet | ||||||||||||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | 389,844 | 411,650 | 424,838 | 364,994 | 266,675 | ||||||||||||||||||
| Customer Loans | CZK mil | ... | ... | 685,639 | 720,739 | 749,415 | 821,840 | 900,534 | ||||||||||||||||||||
| Investments | CZK mil | ... | ... | ... | ... | 256,942 | 253,309 | 286,920 | 374,718 | 407,579 | ||||||||||||||||||
| Total Assets | CZK mil | ... | ... | 1,426,465 | 1,458,650 | 1,537,780 | 1,641,741 | 1,639,938 | ||||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | 122,657 | 137,339 | 149,346 | 143,196 | 137,711 | ||||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | 318,861 | 292,111 | 91,335 | 49,695 | 113,541 | ||||||||||||||||||
| Customer Deposits | CZK mil | ... | ... | 952,506 | 993,257 | 1,096,666 | 1,173,890 | 1,225,464 | ||||||||||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | 8,564 | 9,621 | 169,498 | 213,357 | 76,657 | ||||||||||||||||||||
| ratios | ||||||||||||||||||||||||||||
| ROE | % | ... | ... | ... | 12.6 | 13.6 | 6.98 | 9.71 | 14.4 | |||||||||||||||||||
| ROA | % | ... | ... | ... | 1.11 | 1.23 | 0.668 | 0.894 | 1.23 | |||||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 1.33 | 1.34 | 1.28 | 1.28 | 1.30 | |||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | 46.9 | 46.2 | 47.6 | 48.2 | 42.8 | ||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | 19.2 | 22.0 | 25.6 | 23.8 | 20.2 | ||||||||||||||||||||
| Net Interest Margin | % | ... | ... | ... | 2.02 | 2.10 | 1.94 | 1.96 | 2.24 | |||||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 71.2 | 72.2 | 72.5 | 73.4 | 73.6 | ||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.8 | 20.5 | 20.5 | 21.7 | 19.1 | ||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 52.1 | 52.5 | 51.8 | 54.0 | 53.7 | ||||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 8.60 | 9.42 | 9.71 | 8.72 | 8.40 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 72.0 | 72.6 | 68.3 | 70.0 | 73.5 | ||||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | 48.1 | 49.4 | 48.7 | 50.1 | 54.9 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 1.80 | 1.80 | 2.20 | 2.10 | 1.90 | ||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 99.2 | 96.0 | 115 | 114 | 117 | ||||||||||||||||||||
| valuation | ||||||||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | 9.75 | 8.77 | -3.84 | 6.82 | 18.1 |
| income statement | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| income statement | ||||||||||||||||||||||||||||
| Interest Income | CZK mil | ... | ... | 35,006 | 41,890 | 37,534 | 37,060 | 77,445 | ||||||||||||||||||||
| Interest Cost | CZK mil | ... | ... | 7,185 | 11,629 | 8,435 | 5,977 | 40,726 | ||||||||||||||||||||
| Net Interest Income | CZK mil | ... | ... | 27,821 | 30,261 | 29,099 | 31,083 | 36,719 | ||||||||||||||||||||
| Net Fee Income | CZK mil | ... | ... | 8,540 | 8,591 | 8,243 | 9,186 | 9,504 | ||||||||||||||||||||
| Other Income | CZK mil | ... | ... | 2,727 | 3,047 | 2,805 | 2,085 | 3,652 | ||||||||||||||||||||
| Total Revenues | CZK mil | ... | ... | 39,088 | 41,899 | 40,147 | 42,354 | 49,875 | ||||||||||||||||||||
| Staff Cost | CZK mil | ... | ... | 9,553 | 10,156 | 9,892 | 11,010 | 11,458 | ||||||||||||||||||||
| Depreciation | CZK mil | ... | ... | 2,001 | 2,604 | 2,749 | 2,720 | 2,721 | ||||||||||||||||||||
| Other Cost | CZK mil | ... | ... | 6,773 | 6,592 | 6,469 | 6,668 | 7,156 | ||||||||||||||||||||
| Operating Cost | CZK mil | ... | ... | 18,327 | 19,352 | 19,110 | 20,398 | 21,335 | ||||||||||||||||||||
| Operating Profit | CZK mil | ... | ... | 20,761 | 22,547 | 21,037 | 21,956 | 28,540 | ||||||||||||||||||||
| Provisions | CZK mil | ... | ... | -288 | -160 | 7,930 | 1,780 | 636 | ||||||||||||||||||||
| Extra and Other Cost | CZK mil | ... | ... | 1,886 | 709 | 612 | 1,947 | 3,523 | ||||||||||||||||||||
| Pre-Tax Profit | CZK mil | ... | ... | 19,163 | 21,998 | 12,495 | 18,229 | 24,381 | ||||||||||||||||||||
| Tax | CZK mil | ... | ... | 3,801 | 4,229 | 2,478 | 4,021 | 4,193 | ||||||||||||||||||||
| Minorities | CZK mil | ... | ... | 0 | 26.0 | 11.0 | 27.0 | 27.0 | ||||||||||||||||||||
| Net Profit | CZK mil | ... | ... | 15,362 | 17,743 | 10,006 | 14,208 | 20,188 | ||||||||||||||||||||
| Net Profit Avail. to Common | CZK mil | ... | ... | 15,362 | 17,743 | 10,006 | 14,181 | 20,161 | ||||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | 9.75 | 8.77 | -3.84 | 6.82 | 18.1 | |||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | -2.99 | 0.597 | -4.05 | 11.4 | 3.46 | |||||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | 5.00 | 7.19 | -4.18 | 5.50 | 17.8 | |||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | 0.477 | 5.59 | -1.25 | 6.74 | 4.59 | |||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | 9.34 | 8.60 | -6.70 | 4.37 | 30.0 | |||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | 6.30 | 14.8 | -43.2 | 45.9 | 33.7 | |||||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | 5.15 | 15.5 | -43.6 | 42.0 | 42.1 | |||||||||||||||||||
| market share | ||||||||||||||||||||||||||||
| Market Share in Revenues | % | ... | ... | 20.5 | 20.7 | 22.3 | 23.0 | 21.3 | ... | |||||||||||||||||||
| Market Share in Net Profit | % | ... | ... | 19.2 | 19.8 | 21.7 | 20.6 | 20.0 | ||||||||||||||||||||
| Market Share in Employees | % | 24.2 | 23.3 | 24.1 | 24.5 | 25.4 | ... | |||||||||||||||||||||
| Market Share in Bank Cards | % | 24.3 | 22.5 | 21.7 | 21.7 | ... | ... | ... | ||||||||||||||||||||
| Market Share in Debit Cards | % | ... | ... | 27.1 | 24.1 | 23.0 | < 0.001 | ... | ... | ... | ||||||||||||||||||
| Market Share in Credit Cards | % | ... | ... | 11.0 | 10.9 | 11.2 | 12.7 | ... | ... | ... | ||||||||||||||||||
| Market Share in Branches | % | 25.6 | 25.4 | 26.1 | 25.1 | 26.1 | ... |
| balance sheet | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| balance sheet | ||||||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | ... | ... | ... | ... | 63,914 | 40,526 | 38,075 | 37,472 | 21,870 | ||||||||||||||||||
| Interbank Loans | CZK mil | ... | ... | ... | ... | 389,844 | 411,650 | 424,838 | 364,994 | 266,675 | ||||||||||||||||||
| Customer Loans | CZK mil | ... | ... | 685,639 | 720,739 | 749,415 | 821,840 | 900,534 | ||||||||||||||||||||
| Retail Loans | CZK mil | ... | ... | 383,500 | 410,400 | 438,700 | 549,402 | 590,969 | ||||||||||||||||||||
| Mortgage Loans | CZK mil | ... | ... | 259,700 | 280,500 | 305,700 | 356,159 | 387,997 | ||||||||||||||||||||
| Consumer Loans | CZK mil | ... | ... | 70,100 | 73,400 | 74,800 | 74,784 | 77,374 | ||||||||||||||||||||
| Corporate Loans | CZK mil | ... | ... | 254,800 | 257,000 | 260,700 | 305,829 | 339,739 | ||||||||||||||||||||
| Investments | CZK mil | ... | ... | ... | ... | 256,942 | 253,309 | 286,920 | 374,718 | 407,579 | ||||||||||||||||||
| Property and Equipment | CZK mil | ... | ... | ... | ... | ... | 9,396 | 12,543 | 12,735 | 12,201 | 12,031 | |||||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5,247 | 5,801 | 6,083 | 6,301 | 6,417 | |||||||
| Total Assets | CZK mil | ... | ... | 1,426,465 | 1,458,650 | 1,537,780 | 1,641,741 | 1,639,938 | ||||||||||||||||||||
| Shareholders' Equity | CZK mil | ... | ... | 122,657 | 137,339 | 149,346 | 143,196 | 137,711 | ||||||||||||||||||||
| Of Which Minority Interest | CZK mil | ... | ... | 184 | 210 | 221 | 452 | 479 | ||||||||||||||||||||
| Liabilities | CZK mil | ... | ... | 1,303,808 | 1,321,311 | 1,388,434 | 1,498,545 | 1,502,227 | ||||||||||||||||||||
| Interbank Borrowing | CZK mil | ... | ... | ... | ... | 318,861 | 292,111 | 91,335 | 49,695 | 113,541 | ||||||||||||||||||
| Customer Deposits | CZK mil | ... | ... | 952,506 | 993,257 | 1,096,666 | 1,173,890 | 1,225,464 | ||||||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 672,000 | 709,900 | 804,400 | 900,000 | 912,800 | |||||||||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 218,600 | 219,500 | 232,900 | 212,400 | 261,800 | |||||||||||||
| Issued Debt Securities | CZK mil | ... | ... | 8,564 | 9,621 | 169,498 | 213,357 | 76,657 | ||||||||||||||||||||
| Other Liabilities | CZK mil | ... | ... | ... | ... | 23,877 | 26,322 | 30,935 | 61,604 | 86,565 | ||||||||||||||||||
| asset quality | ||||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | 12,566 | 13,126 | 16,904 | 17,673 | 17,758 | ||||||||||||||||||||
| Gross Loans | CZK mil | ... | ... | 698,104 | 729,200 | 768,855 | 841,550 | 934,657 | ||||||||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | 533,900 | 544,500 | 536,100 | 558,400 | 604,700 | ||||||||||||||||||
| Total Provisions | CZK mil | ... | ... | 12,465 | 12,601 | 19,440 | 20,182 | 20,848 | ||||||||||||||||||||
| growth rates | ||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | 7.35 | 5.12 | 3.98 | 9.66 | 9.58 | |||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | 9.76 | 7.01 | 6.90 | 25.2 | 7.57 | |||||||||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | 11.3 | 8.01 | 8.98 | 16.5 | 8.94 | |||||||||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | 5.73 | 4.71 | 1.91 | -0.021 | 3.46 | |||||||||||||||||||
| Corporate Loan Growth | % | ... | ... | ... | -0.439 | 0.863 | 1.44 | 17.3 | 11.1 | |||||||||||||||||||
| Total Asset Growth | % | ... | ... | ... | 7.32 | 2.26 | 5.42 | 6.76 | -0.110 | |||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | 1.39 | 12.0 | 8.74 | -4.12 | -3.83 | |||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | 7.84 | 4.28 | 10.4 | 7.04 | 4.39 | |||||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.49 | 5.64 | 13.3 | 11.9 | 1.42 | ||||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.49 | 0.412 | 6.10 | -8.80 | 23.3 | ||||||||||||
| market share | ||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | 20.7 | 20.9 | 20.8 | 21.4 | 22.1 | ||||||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | 23.6 | 22.9 | 23.2 | 25.7 | 27.5 | ||||||||||||||||||||
| Market Share in Retail Loans | % | ... | ... | 23.3 | 23.5 | 23.6 | 26.9 | 27.6 | ||||||||||||||||||||
| Market Share in Consumer Loans | % | ... | ... | 17.7 | 17.7 | 17.7 | 16.7 | 16.5 | ... | |||||||||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | 20.8 | 21.1 | 21.3 | 22.3 | 23.2 | ||||||||||||||||||||
| Market Share in Total Assets | % | ... | ... | 19.6 | 19.3 | 19.3 | 19.3 | 18.4 | ... | |||||||||||||||||||
| Market Share in Customer Deposits | % | ... | ... | 21.4 | 21.0 | 21.2 | 21.3 | 20.9 | ||||||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26.3 | 26.0 | 26.3 | 27.6 | 26.9 | |||||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 21.0 | 20.0 | 19.1 | 16.2 | 19.2 |
| ratios | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| ROE | % | ... | ... | ... | 12.6 | 13.6 | 6.98 | 9.71 | 14.4 | |||||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 13.2 | 14.3 | 7.28 | 10.1 | 15.1 | ||||||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | 19.1 | 21.9 | 12.3 | 17.3 | 23.1 | |||||||||||||||||
| ROA | % | ... | ... | ... | 1.11 | 1.23 | 0.668 | 0.894 | 1.23 | |||||||||||||||||||
| Return on Loans | % | ... | ... | 2.32 | 2.52 | 1.36 | 1.81 | 2.34 | ||||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | 3.88 | 4.18 | 3.89 | 4.01 | 4.91 | |||||||||||||||||
| Costs (As % Of Assets) | % | ... | ... | ... | 1.33 | 1.34 | 1.28 | 1.28 | 1.30 | |||||||||||||||||||
| Costs (As % Of Income) | % | ... | ... | 46.9 | 46.2 | 47.6 | 48.2 | 42.8 | ||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | ... | ... | 2.77 | 2.75 | 2.60 | 2.60 | 2.48 | |||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | ... | ... | 1.16 | 1.15 | 1.07 | 1.06 | 1.04 | |||||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | 19.2 | 22.0 | 25.6 | 23.8 | 20.2 | ||||||||||||||||||||
| Tier 1 Ratio | % | ... | ... | 18.4 | 21.4 | 25.1 | 23.3 | 19.7 | ||||||||||||||||||||
| Net Interest Margin | % | ... | ... | ... | 2.02 | 2.10 | 1.94 | 1.96 | 2.24 | |||||||||||||||||||
| Interest Spread | % | ... | ... | ... | 1.97 | 2.02 | 1.88 | 1.92 | 2.01 | |||||||||||||||||||
| Asset Yield | % | ... | ... | ... | 2.54 | 2.90 | 2.51 | 2.33 | 4.72 | |||||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | 7.31 | 7.77 | 7.43 | 7.74 | 8.58 | |||||||||||||||||
| Cost Of Liabilities | % | ... | ... | ... | 0.572 | 0.886 | 0.623 | 0.414 | 2.71 | |||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||
| Interest Income (As % Of Revenues) | % | ... | ... | 71.2 | 72.2 | 72.5 | 73.4 | 73.6 | ||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | ... | ... | 21.8 | 20.5 | 20.5 | 21.7 | 19.1 | ||||||||||||||||||||
| Other Income (As % Of Revenues) | % | ... | ... | 6.98 | 7.27 | 6.99 | 4.92 | 7.32 | ||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 52.1 | 52.5 | 51.8 | 54.0 | 53.7 | ||||||||||||||||||||
| Equity (As % Of Assets) | % | ... | ... | 8.60 | 9.42 | 9.71 | 8.72 | 8.40 | ||||||||||||||||||||
| Equity (As % Of Loans) | % | ... | ... | 17.9 | 19.1 | 19.9 | 17.4 | 15.3 | ||||||||||||||||||||
| Loans (As % Of Deposits) | % | ... | ... | 72.0 | 72.6 | 68.3 | 70.0 | 73.5 | ||||||||||||||||||||
| Loans (As % Assets) | % | ... | ... | 48.1 | 49.4 | 48.7 | 50.1 | 54.9 | ||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | 1.80 | 1.80 | 2.20 | 2.10 | 1.90 | ||||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | 99.2 | 96.0 | 115 | 114 | 117 | ||||||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | 1.82 | 1.75 | 2.59 | 2.46 | 2.32 | ||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | ... | ... | -0.043 | -0.023 | 1.08 | 0.227 | 0.074 |
| other data | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Branches | 501 | 483 | 438 | 400 | 398 | |||||||||||||||||||||||
| ATMs | ... | ... | ... | ... | 1,783 | 1,832 | 1,825 | 1,783 | 1,736 | |||||||||||||||||||
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | 356 | 379 | 417 | 446 | 436 | ||||||||||||||||||
| Employees | 10,115 | 9,678 | 9,820 | 9,711 | 10,010 | |||||||||||||||||||||||
| Employees Per Bank Branch | 20.2 | 20.0 | 22.4 | 24.3 | 25.2 | |||||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | 3,597 | 3,879 | 3,815 | 4,360 | 4,281 | ||||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | 78,703 | 87,449 | 83,944 | 94,480 | 95,388 |
| customer breakdown | Unit | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Customers | mil | ... | ... | 4.63 | 4.60 | 4.47 | 4.49 | 4.55 | ||||||||||||||||||||
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.51 | 1.58 | 1.73 | ... | ... | ... | ... | |
| Payment Cards | mil | 2.87 | 2.92 | 2.99 | 3.15 | 3.39 | ||||||||||||||||||||||
| Debit Cards | mil | ... | ... | 2.69 | 2.75 | 2.82 | 2.97 | 3.21 | ||||||||||||||||||||
| Credit Cards | mil | ... | ... | 0.177 | 0.171 | 0.168 | 0.178 | 0.181 | ||||||||||||||||||||
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.179 | 0.194 | 0.212 | ... | ... | ... | ... | |||||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,451,000 | 1,444,000 | 1,444,000 | ... | ... | ... | ... | |||||
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32.7 | 34.3 | 38.7 | ... | ... | ... | ... | |
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.86 | 4.23 | 4.73 | ... | ... | ... | ... | |||||
| Payments Cards (As % of Total Clients) | % | ... | ... | 61.9 | 63.5 | 66.8 | 70.0 | 74.5 | ||||||||||||||||||||
| Debit Cards (As % of Total Clients) | % | ... | ... | 58.0 | 59.8 | 63.1 | 66.1 | 70.5 | ||||||||||||||||||||
| Credit Cards (As % of Total Clients) | % | ... | ... | 3.83 | 3.72 | 3.75 | 3.95 | 3.97 | ||||||||||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | 8,434 | 9,114 | 8,973 | 9,427 | 10,967 | ||||||||||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | 3,315 | 3,860 | 2,236 | 3,162 | 4,439 | ||||||||||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | 147,948 | 156,779 | 167,504 | 182,916 | 198,020 | ||||||||||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | 205,532 | 216,058 | 245,120 | 261,271 | 269,470 | ||||||||||||||||||||
| Revenue per Customer | USD | ... | ... | 386 | 404 | 408 | 435 | 492 | ||||||||||||||||||||
| Net Profit per Customer | USD | ... | ... | 152 | 171 | 102 | 146 | 199 | ||||||||||||||||||||
| Loan per Customer | USD | ... | ... | 6,585 | 6,931 | 7,832 | 8,333 | 8,756 | ||||||||||||||||||||
| Deposit per Customer | USD | ... | ... | 9,149 | 9,551 | 11,461 | 11,902 | 11,915 |
Get all company financials in excel:
By Helgi Library - March 12, 2025
Ceska Sporitelna's customer loans reached CZK 1,058,094 mil in 2024-09-30, up 2.58% compared to the previous year. Czech banking sector provided customer loans of CZK 4,524 bil in 2024-09-30, up 1.44% when compared to the last year. Ceska Sporitelna accou...
By Helgi Library - March 12, 2025
Ceska Sporitelna generated total banking revenues of CZK 14,642 mil in 2024-09-30, up 8.15% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when compared to the la...
By Helgi Library - March 12, 2025
Ceska Sporitelna's customer deposits reached CZK 1,495,548 mil in 3Q2024, up 0.055% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,407 bil in 3Q2024, up 1.79% when compared to the last year. Ceska Sporitelna accoun...
By Helgi Library - March 12, 2025
Ceska Sporitelna has issued total of 3.84 mil payment cards at the end of 2024-06-30, up 2.20% compared to the previous year. Czech banking sector banking sector issued total of 15.6 mil of bank cards in 2024-06-30, up 2.38% when compared to the last y...
By Helgi Library - March 12, 2025
Ceska Sporitelna employed 9,674 persons in 2024-12-31, up 0.950% compared to the previous year. Historically, the bank's workforce hit an all time high of 12,999 persons in 2002-12-31 and an all time low of 9,574 in 2024-06-30. The bank operated a network of ...
By Helgi Library - March 12, 2025
Ceska Sporitelna's retail loans reached CZK 680,172 mil in the third quarter of 2024, up 8.25% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Ceska Sporitelna ...
By Helgi Library - March 12, 2025
Ceska Sporitelna's net interest margin amounted to 2.04% in the fourth quarter of 2024, up from 2.02% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.77% in 4Q2008 and an all time low of ...
By Helgi Library - March 12, 2025
Ceska Sporitelna employed 9,674 persons in 2024-12-31, up 0.950% when compared to the previous year. Historically, the bank's workforce hit an all time high of 13,588 persons in 2001-03-31 and an all time low of 9,574 in 2024-06-30. Average cost reached USD 5,540 ...
By Helgi Library - September 29, 2023
Mortgage loans grew 6.80% yoy in the last 12 months and were up 1.13% qoq in the last quarter. At the end of September, mortgages formed 40.8% of total loans and 23.5% of GDP. Overall, CSOB was the largest mortgage lender with 30.4% of the ...
By Helgi Library - March 12, 2025
Ceska Sporitelna's loans reached CZK 1,111,292 mil in the fourth quarter of 2024, up from CZK 1,093,400 mil when compared to the previous quarter and up from CZK 1,031,776 mil when compared to the same period of last year. Historically, the bank’s l...
Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of almost 500 branches and 1,800 ATMs (2019), it serviced some 5 million retail clients in 2019. Following hefty loan losses and a government-orchestrated bailout at the end of the 1990s, the bank was sold to Austria's Erste Bank in 2000.
Ceska Sporitelna has been growing its revenues and asset by 3.22% and 8.44% a year on average in the last 10 years. Its loans and deposits have grown by 7.97% and 8.09% a year during that time and loans to deposits ratio reached 72.6% at the end of 2024. The company achieved an average return on equity of 12.5% in the last decade with net profit growing 5.70% a year on average. In terms of operating efficiency, its cost to income ratio reached 43.0% in 2024, compared to 46.6% average in the last decade.
Equity represented 7.62% of total assets or 14.4% of loans at the end of 2024. Ceska Sporitelna's non-performing loans were 1.80% of total loans while provisions covered some 102% of NPLs at the end of 2024.
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