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Ceska Sporitelna

CS's net profit rose 12.0% yoy to CZK 6,708 mil in 2Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna made a net profit of CZK 6,708 mil in the second quarter of 2024, up 12% when compared to the same period of las...

CS's net profit rose 12.0% yoy to CZK 6,708 mil in 2Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna made a net profit of CZK 6,708 mil in the second quarter of 2024, up 12% when compared to the same period of las...

CS's net profit rose 12.0% yoy to CZK 6,708 mil in 2Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna made a net profit of CZK 6,708 mil under revenues of CZK 13,538 mil in the second quarter of 2024, up 12% and ...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 31,083 36,719 34,583
Net Fee Income CZK mil 9,186 9,504 10,894
Other Income CZK mil 2,085 3,652 2,888
Total Revenues CZK mil 42,354 49,875 48,365
Staff Cost CZK mil 11,010 11,458 12,685
Operating Profit CZK mil 21,956 28,540 25,221
Provisions CZK mil 1,780 636 825
Net Profit CZK mil 14,208 20,188 18,680
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 364,994 266,675 304,007
Customer Loans CZK mil 821,840 900,534 996,818
Investments CZK mil 374,718 407,579 426,191
Total Assets CZK mil 1,641,741 1,639,938 1,797,820
Shareholders' Equity CZK mil 143,196 137,711 144,501
Interbank Borrowing CZK mil 49,695 113,541 122,287
Customer Deposits CZK mil 1,173,890 1,225,464 1,352,755
Issued Debt Securities CZK mil 213,357 76,657 121,451
Ratios 2021 2022 2023
ROE % 9.71 14.4 13.2
ROA % 0.894 1.23 1.09
Costs (As % Of Assets) % 1.28 1.30 1.35
Costs (As % Of Income) % 48.2 42.8 47.9
Capital Adequacy Ratio % 23.8 20.2 19.6
Net Interest Margin % 1.96 2.24 2.01
Loans (As % Of Deposits) % 70.0 73.5 73.7
NPLs (As % Of Loans) % 2.10 1.90 1.80
Provisions (As % Of NPLs) % 114 117 111
Growth Rates 2021 2022 2023
Total Revenue Growth % 5.50 17.8 -3.03
Operating Cost Growth % 6.74 4.59 8.48
Operating Profit Growth % 4.37 30.0 -11.6
Net Profit Growth % 42.0 42.1 -7.47
Customer Loan Growth % 9.66 9.58 10.7
Total Asset Growth % 6.76 -0.110 9.63
Customer Deposit Growth % 7.04 4.39 10.4
Shareholders' Equity Growth % -4.12 -3.83 4.93
Employees 9,711 10,010 9,829

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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
income statement                                                    
Net Interest Income CZK mil ... ...                                   25,350 27,821 30,261 29,099 31,083    
Total Revenues CZK mil ... ...                                   37,227 39,088 41,899 40,147 42,354    
Operating Profit CZK mil ... ...                                   18,987 20,761 22,547 21,037 21,956    
Net Profit CZK mil ... ...                                   14,610 15,362 17,743 10,006 14,208    
balance sheet                                                    
Interbank Loans CZK mil ... ... ... ...                               157,525 389,844 411,650 424,838 364,994    
Customer Loans CZK mil ... ...                                   638,694 685,639 720,739 749,415 821,840    
Investments CZK mil ... ... ... ...                               231,415 256,942 253,309 286,920 374,718    
Total Assets CZK mil ... ...                                   1,329,223 1,426,465 1,458,650 1,537,780 1,641,741    
                                                       
Shareholders' Equity CZK mil ... ...                                   120,975 122,657 137,339 149,346 143,196    
Interbank Borrowing CZK mil ... ... ... ...                               295,232 318,861 292,111 91,335 49,695    
Customer Deposits CZK mil ... ...                                   883,237 952,506 993,257 1,096,666 1,173,890    
Issued Debt Securities CZK mil ... ...                                   1,805 8,564 9,621 169,498 213,357    
ratios                                                    
ROE % ... ... ...                                 12.0 12.6 13.6 6.98 9.71    
ROA % ... ... ...                                 1.22 1.11 1.23 0.668 0.894    
Costs (As % Of Assets) % ... ... ...                                 1.52 1.33 1.34 1.28 1.28    
Costs (As % Of Income) % ... ...                                   49.0 46.9 46.2 47.6 48.2    
Capital Adequacy Ratio % ... ...                                   18.7 19.2 22.0 25.6 23.8    
Net Interest Margin % ... ... ...                                 2.12 2.02 2.10 1.94 1.96    
Interest Income (As % Of Revenues) % ... ...                                   68.1 71.2 72.2 72.5 73.4    
Fee Income (As % Of Revenues) % ... ...                                   23.6 21.8 20.5 20.5 21.7    
Staff Cost (As % Of Total Cost) % ... ...                                   50.6 52.1 52.5 51.8 54.0    
Equity (As % Of Assets) % ... ...                                   9.10 8.60 9.42 9.71 8.72    
Loans (As % Of Deposits) % ... ...                                   72.3 72.0 72.6 68.3 70.0    
Loans (As % Assets) % ... ...                                   48.1 48.1 49.4 48.7 50.1    
NPLs (As % Of Loans) % ... ...                                   2.10 1.80 1.80 2.20 2.10    
Provisions (As % Of NPLs) % ... ...                                   90.3 99.2 96.0 115 114    
valuation                                                    
Book Value Per Share Growth % ... ... ...                                 -0.635 9.75 8.77 -3.84 6.82    
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
income statement                                                    
Interest Income CZK mil ... ...                                   28,148 35,006 41,890 37,534 37,060    
Interest Cost CZK mil ... ...                                   2,798 7,185 11,629 8,435 5,977    
Net Interest Income CZK mil ... ...                                   25,350 27,821 30,261 29,099 31,083    
Net Fee Income CZK mil ... ...                                   8,803 8,540 8,591 8,243 9,186    
Other Income CZK mil ... ...                                   3,074 2,727 3,047 2,805 2,085    
Total Revenues CZK mil ... ...                                   37,227 39,088 41,899 40,147 42,354    
Staff Cost CZK mil ... ...                                   9,224 9,553 10,156 9,892 11,010    
Depreciation CZK mil ... ...                                   2,046 2,001 2,604 2,749 2,720    
Other Cost CZK mil ... ...                                   6,970 6,773 6,592 6,469 6,668    
Operating Cost CZK mil ... ...                                   18,240 18,327 19,352 19,110 20,398    
Operating Profit CZK mil ... ...                                   18,987 20,761 22,547 21,037 21,956    
Provisions CZK mil ... ...                                   33.0 -288 -160 7,930 1,780    
Extra and Other Cost CZK mil ... ...                                   927 1,886 709 612 1,947    
Pre-Tax Profit CZK mil ... ...                                   18,027 19,163 21,998 12,495 18,229    
Tax CZK mil ... ...                                   3,415 3,801 4,229 2,478 4,021    
Minorities CZK mil ... ...                                   2.00 0 26.0 11.0 27.0    
Net Profit CZK mil ... ...                                   14,610 15,362 17,743 10,006 14,208    
Net Profit Avail. to Common CZK mil ... ...                                   14,610 15,362 17,743 10,006 14,181    
Dividends CZK mil ... ... ...                                 11,704 ... ... ... ... ... ...
growth rates                                                    
Net Interest Income Growth % ... ... ...                                 -0.635 9.75 8.77 -3.84 6.82    
Net Fee Income Growth % ... ... ...                                 -5.43 -2.99 0.597 -4.05 11.4    
Total Revenue Growth % ... ... ...                                 -2.62 5.00 7.19 -4.18 5.50    
Operating Cost Growth % ... ... ...                                 0.518 0.477 5.59 -1.25 6.74    
Operating Profit Growth % ... ... ...                                 -5.45 9.34 8.60 -6.70 4.37    
Pre-Tax Profit Growth % ... ... ...                                 -4.75 6.30 14.8 -43.2 45.9    
Net Profit Growth % ... ... ...                                 -5.48 5.15 15.5 -43.6 42.0    
market share                                                    
Market Share in Revenues % ... ...                                   20.8 20.5 20.7 22.3 23.0    
Market Share in Net Profit % ... ...                                   19.4 18.9 19.5 21.1 20.2    
Market Share in Employees %                                       24.5 24.2 23.3 24.1 24.5    
Market Share in Bank Cards %                                       25.0 24.3 22.5 21.7 21.7 ... ...
Market Share in Debit Cards % ... ...                                   29.4 27.1 24.1 23.0 < 0.001 ... ...
Market Share in Credit Cards % ... ...                                   9.72 11.0 10.9 11.2 12.7 ... ...
Market Share in Branches %                                       26.6 25.6 25.4 26.1 25.1    
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
balance sheet                                                    
Cash & Cash Equivalents CZK mil ... ... ... ...                               280,221 63,914 40,526 38,075 37,472    
Interbank Loans CZK mil ... ... ... ...                               157,525 389,844 411,650 424,838 364,994    
Customer Loans CZK mil ... ...                                   638,694 685,639 720,739 749,415 821,840    
Retail Loans CZK mil ... ...                                   349,400 383,500 410,400 438,700 549,402    
Mortgage Loans CZK mil ... ...                                   233,400 259,700 280,500 305,700 356,159    
Consumer Loans CZK mil ... ...                                   66,300 70,100 73,400 74,800 74,784    
Corporate Loans CZK mil ... ...                                   255,924 254,800 257,000 260,700 305,829    
Investments CZK mil ... ... ... ...                               231,415 256,942 253,309 286,920 374,718    
Property and Equipment CZK mil ... ... ... ... ...                             9,913 9,396 12,543 12,735 12,201    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         4,854 5,247 5,801 6,083 6,301    
Total Assets CZK mil ... ...                                   1,329,223 1,426,465 1,458,650 1,537,780 1,641,741    
                                                       
Shareholders' Equity CZK mil ... ...                                   120,975 122,657 137,339 149,346 143,196    
Of Which Minority Interest CZK mil ... ...                                   165 184 210 221 452    
Liabilities CZK mil ... ...                                   1,208,248 1,303,808 1,321,311 1,388,434 1,498,545    
Interbank Borrowing CZK mil ... ... ... ...                               295,232 318,861 292,111 91,335 49,695    
Customer Deposits CZK mil ... ...                                   883,237 952,506 993,257 1,096,666 1,173,890    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ...                     619,400 672,000 709,900 804,400 900,000    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ...                     201,500 218,600 219,500 232,900 212,400    
Issued Debt Securities CZK mil ... ...                                   1,805 8,564 9,621 169,498 213,357    
Other Liabilities CZK mil ... ... ... ...                               27,974 23,877 26,322 30,935 61,604    
asset quality                                                    
Non-Performing Loans CZK mil ... ...                                   13,672 12,566 13,126 16,904 17,673    
Gross Loans CZK mil ... ...                                   651,034 698,104 729,200 768,855 841,550    
Risk-Weighted Assets CZK mil ... ... ... ...                               535,828 533,900 544,500 536,100 558,400    
Total Provisions CZK mil ... ...                                   12,340 12,465 12,601 19,440 20,182    
growth rates                                                    
Customer Loan Growth % ... ... ...                                 10.6 7.35 5.12 3.98 9.66    
Retail Loan Growth % ... ... ...                                 9.87 9.76 7.01 6.90 25.2    
Mortgage Loan Growth % ... ... ...                                 11.4 11.3 8.01 8.98 16.5    
Consumer Loan Growth % ... ... ...                                 2.79 5.73 4.71 1.91 -0.021    
Corporate Loan Growth % ... ... ...                                 9.79 -0.439 0.863 1.44 17.3    
Total Asset Growth % ... ... ...                                 24.6 7.32 2.26 5.42 6.76    
Shareholders' Equity Growth % ... ... ...                                 -0.620 1.39 12.0 8.74 -4.12    
Customer Deposit Growth % ... ... ...                                 12.0 7.84 4.28 10.4 7.04    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ...                   6.81 8.49 5.64 13.3 11.9    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ...                   32.8 8.49 0.412 6.10 -8.80    
market share                                                    
Market Share in Customer Loans % ... ...                                   20.7 20.7 20.9 20.8 21.4    
Market Share in Corporate Loans % ... ...                                   25.0 23.6 22.9 23.2 25.7    
Market Share in Retail Loans % ... ...                                   22.9 23.3 23.5 23.6 26.9    
Market Share in Consumer Loans % ... ...                                   17.4 17.5 17.7 17.7 16.7    
Market Share in Mortgage Loans % ... ...                                   20.3 20.8 21.1 21.3 22.3    
Market Share in Total Assets % ... ...                                   19.0 19.6 19.3 19.3 19.3    
Market Share in Customer Deposits % ... ...                                   21.2 21.4 21.0 21.2 21.3    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...                     26.1 26.3 26.0 26.3 27.6    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...                     20.2 21.0 20.0 19.1 16.2    
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
                                                     
ROE % ... ... ...                                 12.0 12.6 13.6 6.98 9.71    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       12.5 13.2 14.3 7.28 10.1    
ROE (@ 15% of RWA) % ... ... ... ... ...                             19.1 19.1 21.9 12.3 17.3    
ROA % ... ... ...                                 1.22 1.11 1.23 0.668 0.894    
Return on Loans % ... ...                                   2.40 2.32 2.52 1.36 1.81    
Operating Profit (As % of RWA) % ... ... ... ... ...                             3.72 3.88 4.18 3.89 4.01    
Costs (As % Of Assets) % ... ... ...                                 1.52 1.33 1.34 1.28 1.28    
Costs (As % Of Income) % ... ...                                   49.0 46.9 46.2 47.6 48.2    
Costs (As % Of Loans) % ... ... ...                                 3.00 2.77 2.75 2.60 2.60    
Costs (As % Of Loans & Deposits) % ... ... ...                                 1.26 1.16 1.15 1.07 1.06    
Capital Adequacy Ratio % ... ...                                   18.7 19.2 22.0 25.6 23.8    
Tier 1 Ratio % ... ...                                   18.1 18.4 21.4 25.1 23.3    
Net Interest Margin % ... ... ...                                 2.12 2.02 2.10 1.94 1.96    
Interest Spread % ... ... ...                                 2.09 1.97 2.02 1.88 1.92    
Asset Yield % ... ... ...                                 2.35 2.54 2.90 2.51 2.33    
Revenues (As % of RWA) % ... ... ... ... ...                             7.30 7.31 7.77 7.43 7.74    
Cost Of Liabilities % ... ... ...                                 0.260 0.572 0.886 0.623 0.414    
Payout Ratio % ... ... ...                                 80.1 ... ... ... ... ... ...
Interest Income (As % Of Revenues) % ... ...                                   68.1 71.2 72.2 72.5 73.4    
Fee Income (As % Of Revenues) % ... ...                                   23.6 21.8 20.5 20.5 21.7    
Other Income (As % Of Revenues) % ... ...                                   8.26 6.98 7.27 6.99 4.92    
Staff Cost (As % Of Total Cost) % ... ...                                   50.6 52.1 52.5 51.8 54.0    
Equity (As % Of Assets) % ... ...                                   9.10 8.60 9.42 9.71 8.72    
Equity (As % Of Loans) % ... ...                                   18.9 17.9 19.1 19.9 17.4    
Loans (As % Of Deposits) % ... ...                                   72.3 72.0 72.6 68.3 70.0    
Loans (As % Assets) % ... ...                                   48.1 48.1 49.4 48.7 50.1    
NPLs (As % Of Loans) % ... ...                                   2.10 1.80 1.80 2.20 2.10    
Provisions (As % Of NPLs) % ... ...                                   90.3 99.2 96.0 115 114    
Provisions (As % Of Loans) % ... ...                                   1.93 1.82 1.75 2.59 2.46    
Cost of Provisions (As % Of Loans) % ... ... ...                                 0.005 -0.043 -0.023 1.08 0.227    
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
                                                     
Branches                                       517 501 483 438 400    
ATMs ... ... ... ...                               1,704 1,783 1,832 1,825 1,783    
ATMs (As % of Bank Branches) % ... ... ... ...                               330 356 379 417 446    
Employees                                       10,248 10,115 9,678 9,820 9,711    
Employees Per Bank Branch                                       19.8 20.2 20.0 22.4 24.3    
Cost Per Employee USD per month ... ...                                   3,197 3,597 3,879 3,815 4,360    
Cost Per Employee (Local Currency) CZK per month ... ...                                   75,007 78,703 87,449 83,944 94,480    
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
                                                     
Customers mil ... ...                                   4.67 4.63 4.60 4.47 4.49    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1.44 1.51 1.58 1.73 ... ... ...
Payment Cards mil                                       2.83 2.87 2.92 2.99 3.15    
Debit Cards mil ... ...                                   2.64 2.69 2.75 2.82 2.97    
Credit Cards mil ... ...                                   0.185 0.177 0.171 0.168 0.178    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.168 0.179 0.194 0.212 ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         1,393,000 1,451,000 1,444,000 1,444,000 ... ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 30.8 32.7 34.3 38.7 ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         3.58 3.86 4.23 4.73 ... ... ...
Payments Cards (As % of Total Clients) % ... ...                                   60.5 61.9 63.5 66.8 70.0    
Debit Cards (As % of Total Clients) % ... ...                                   56.5 58.0 59.8 63.1 66.1    
Credit Cards (As % of Total Clients) % ... ...                                   3.96 3.83 3.72 3.75 3.95    
Revenue per Customer (Local Currency) CZK ... ...                                   7,964 8,434 9,114 8,973 9,427    
Net Profit per Customer (Local Currency) CZK ... ...                                   3,126 3,315 3,860 2,236 3,162    
Loan per Customer (Local Currency) CZK ... ...                                   136,643 147,948 156,779 167,504 182,916    
Deposit per Customer (Local Currency) CZK ... ...                                   188,961 205,532 216,058 245,120 261,271    
Revenue per Customer USD ... ...                                   339 386 404 408 435    
Net Profit per Customer USD ... ...                                   133 152 171 102 146    
Loan per Customer USD ... ...                                   6,418 6,585 6,931 7,832 8,333    
Deposit per Customer USD ... ...                                   8,875 9,149 9,551 11,461 11,902    

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CS's net profit rose 12.0% yoy to CZK 6,708 mil in 2Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna made a net profit of CZK 6,708 mil under revenues of CZK 13,538 mil in the second quarter of 2024, up 12% and 10.1% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 6...

CS's mortgage loans remain unchanged yoy at CZK 415,028 mil in 2Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna's mortgage loans reached CZK 415,028 mil in 2Q2024, down 3.24% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,778 bil in 2Q2024, up 1.34% when compared to the last year. Ceska Sporitelna accounted for...

CS's mortgage loans remain unchanged yoy at CZK 415,028 mil in 2Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna's mortgage loans reached CZK 415,028 mil in 2Q2024, down 3.24% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,778 bil in 2Q2024, up 1.34% when compared to the last year. Ceska Sporitelna accounted for...

CS's customer loans rose 12.1% yoy to CZK 1,013,575 mil in 1Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna's customer loans reached CZK 1,013,575 mil in 2024-03-31, up 1.68% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Ceska Sporitelna accou...

CS's customer loans rose 12.1% yoy to CZK 1,013,575 mil in 1Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna's customer loans reached CZK 1,013,575 mil in 2024-03-31, up 1.68% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Ceska Sporitelna accou...

CS's total revenues rose 17.3% yoy to CZK 13,522 mil in 1Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna generated total banking revenues of CZK 13,522 mil in 2024-03-31, up 6.36% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,165 mil in 2024-03-31, up 2.08% when compared to the last...

CS's total revenues rose 17.3% yoy to CZK 13,522 mil in 1Q2024

By Helgi Library - September 2, 2024

Ceska Sporitelna generated total banking revenues of CZK 13,522 mil in 2024-03-31, up 6.36% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,165 mil in 2024-03-31, up 2.08% when compared to the last...

Ceska Sporitelna - Market Share in Bank Deposits

By Helgi Library - September 2, 2024

Ceska Sporitelna's customer deposits reached CZK 1,457,324 mil in 1Q2024, up 7.73% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,196 bil in 1Q2024, up 7.39% when compared to the last year. Ceska Sporitelna account...

Ceska Sporitelna - Market Share in Bank Deposits

By Helgi Library - September 2, 2024

Ceska Sporitelna's customer deposits reached CZK 1,457,324 mil in 1Q2024, up 7.73% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,196 bil in 1Q2024, up 7.39% when compared to the last year. Ceska Sporitelna account...

CS's payment cards rose 8.29% yoy to 3.67 mil in 4Q2023

By Helgi Library - September 2, 2024

Ceska Sporitelna has issued total of 3.67 mil payment cards at the end of 2023-12-31, up 2.93% compared to the previous year. Czech banking sector banking sector issued total of 15.3 mil of bank cards in 2023-12-31, up 0.869% when compared to the last ...

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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.

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Finance

Ceska Sporitelna has been growing its revenues and asset by 1.45% and 6.38% a year on average in the last 10 years. Its loans and deposits have grown by 7.38% and 6.41% a year during that time and loans to deposits ratio reached 73.7% at the end of 2023. The company achieved an average return on equity of 12.2% in the last decade with net profit growing 1.83% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.9% in 2023, compared to 46.7% average in the last decade.

Equity represented 8.04% of total assets or 14.5% of loans at the end of 2023. Ceska Sporitelna's non-performing loans were 1.80% of total loans while provisions covered some 111% of NPLs at the end of 2023.

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