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...
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...
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 ...
| 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 | |
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 |
| 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 |
Get all company financials in excel:
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...
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...
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...
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...
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...
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...
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...
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...
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...
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 ...
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 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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