By Helgi Library - December 12, 2019
CSOB Stavebna Sporitelna's customer deposits reached EUR 224 mil in 2017, up 1.50% compared to the previous year. Slovak bankin...
By Helgi Library - December 12, 2019
CSOB Stavebna Sporitelna's customer deposits reached EUR 224 mil in 2017, up 1.50% compared to the previous year. Slovak bankin...
By Helgi Library - December 12, 2019
CSOB Stavebna Sporitelna's customer loans reached EUR 163 mil in 2017, up 0.810% compared to the previous year. Slovak banking ...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 6.94 | 6.66 | 5.61 |
| Net Fee Income | EUR mil | 2.17 | 1.96 | 1.61 |
| Other Income | EUR mil | 0.027 | 0.008 | -0.002 |
| Total Revenues | EUR mil | 9.13 | 8.63 | 7.22 |
| Staff Cost | EUR mil | 2.81 | 2.74 | 2.89 |
| Operating Profit | EUR mil | 3.94 | 3.39 | 1.77 |
| Provisions | EUR mil | 1.37 | 1.63 | 1.16 |
| Net Profit | EUR mil | 2.00 | 1.18 | 0.489 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 15.1 | 15.5 | 9.23 |
| Customer Loans | EUR mil | 168 | 161 | 163 |
| Total Assets | EUR mil | 254 | 249 | 251 |
| Shareholders' Equity | EUR mil | 28.2 | 27.2 | 26.0 |
| Interbank Borrowing | EUR mil | 6.49 | 0 | 0 |
| Customer Deposits | EUR mil | 217 | 221 | 224 |
| Issued Debt Securities | EUR mil | 0 | 0 | 0 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 7.08 | 4.26 | 1.84 |
| ROA | % | 0.816 | 0.468 | 0.195 |
| Costs (As % Of Assets) | % | 2.11 | 2.08 | 2.18 |
| Costs (As % Of Income) | % | 56.9 | 60.7 | 75.5 |
| Capital Adequacy Ratio | % | 18.5 | 17.5 | 17.1 |
| Net Interest Margin | % | 2.82 | 2.64 | 2.24 |
| Loans (As % Of Deposits) | % | 77.5 | 73.1 | 72.7 |
| NPLs (As % Of Loans) | % | 5.77 | 5.59 | 5.70 |
| Provisions (As % Of NPLs) | % | 34.3 | 37.5 | 47.3 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 10.1 | -5.54 | -16.4 |
| Operating Cost Growth | % | -2.82 | 0.731 | 4.09 |
| Operating Profit Growth | % | 33.7 | -13.8 | -47.9 |
| Net Profit Growth | % | 6.09 | -41.2 | -58.5 |
| Customer Loan Growth | % | 5.54 | -4.25 | 0.810 |
| Total Asset Growth | % | 7.34 | -2.03 | 0.826 |
| Customer Deposit Growth | % | 7.86 | 1.50 | 1.50 |
| Shareholders' Equity Growth | % | -0.511 | -3.71 | -4.46 |
| Employees | 114 | 112 | 121 | |
Get all company financials in excel:
| summary | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||
| Net Interest Income | EUR mil | 4.54 | 5.40 | 6.23 | 6.12 | 6.94 | ||||||||
| Total Revenues | EUR mil | 6.94 | 7.56 | 8.39 | 8.29 | 9.13 | ||||||||
| Operating Profit | EUR mil | 2.41 | 2.32 | 2.95 | 2.95 | 3.94 | ||||||||
| Net Profit | EUR mil | 1.47 | 1.67 | 1.99 | 1.89 | 2.00 | ||||||||
| balance sheet | ||||||||||||||
| Interbank Loans | EUR mil | 5.06 | 5.02 | 5.05 | 9.16 | 15.1 | ||||||||
| Customer Loans | EUR mil | 117 | 135 | 151 | 160 | 168 | ||||||||
| Debt Securities | EUR mil | 74.6 | 75.3 | 63.1 | 62.8 | 69.1 | ||||||||
| Total Assets | EUR mil | 199 | 217 | 221 | 237 | 254 | ||||||||
| Shareholders' Equity | EUR mil | 21.4 | 25.7 | 27.1 | 28.4 | 28.2 | ||||||||
| Interbank Borrowing | EUR mil | 20.0 | 20.1 | 8.98 | 4.98 | 6.49 | ||||||||
| Customer Deposits | EUR mil | 156 | 168 | 183 | 201 | 217 | ||||||||
| Issued Debt Securities | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| ratios | ||||||||||||||
| ROE | % | 6.82 | 7.10 | 7.56 | 6.82 | 7.08 | ||||||||
| ROA | % | 0.769 | 0.804 | 0.910 | 0.824 | 0.816 | ||||||||
| Costs (As % Of Assets) | % | 2.36 | 2.52 | 2.48 | 2.33 | 2.11 | ||||||||
| Costs (As % Of Income) | % | 65.3 | 69.3 | 64.8 | 64.5 | 56.9 | ||||||||
| Capital Adequacy Ratio | % | ... | 26.5 | 26.0 | 21.6 | 19.0 | 18.5 | |||||||
| Net Interest Margin | % | 2.37 | 2.60 | 2.84 | 2.67 | 2.82 | ||||||||
| Interest Income (As % Of Revenues) | % | 65.5 | 71.4 | 74.3 | 73.8 | 76.0 | ||||||||
| Fee Income (As % Of Revenues) | % | 30.0 | 25.5 | 24.9 | 25.6 | 23.7 | ||||||||
| Staff Cost (As % Of Total Cost) | % | 56.5 | 52.7 | 52.6 | 53.0 | 54.1 | ||||||||
| Equity (As % Of Assets) | % | 10.8 | 11.8 | 12.2 | 12.0 | 11.1 | ||||||||
| Loans (As % Of Deposits) | % | 75.4 | 80.0 | 82.4 | 79.2 | 77.5 | ||||||||
| Loans (As % Assets) | % | 58.9 | 62.2 | 68.0 | 67.4 | 66.2 | ||||||||
| NPLs (As % Of Loans) | % | ... | 2.88 | 2.32 | 2.19 | 2.30 | 5.77 | |||||||
| Provisions (As % Of NPLs) | % | ... | 90.1 | 67.2 | 73.0 | 57.2 | 34.3 | |||||||
| valuation | ||||||||||||||
| Book Value Per Share Growth | % | ... | 7.45 | 18.9 | 15.4 | -1.83 | 13.4 |
| income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||
| Interest Income | EUR mil | 8.39 | 9.13 | 9.64 | 9.78 | 10.1 | ||||||||
| Interest Cost | EUR mil | 3.85 | 3.73 | 3.41 | 3.67 | 3.20 | ||||||||
| Net Interest Income | EUR mil | 4.54 | 5.40 | 6.23 | 6.12 | 6.94 | ||||||||
| Net Fee Income | EUR mil | 2.08 | 1.93 | 2.09 | 2.13 | 2.17 | ||||||||
| Other Income | EUR mil | 0.313 | 0.231 | 0.071 | 0.050 | 0.027 | ||||||||
| Total Revenues | EUR mil | 6.94 | 7.56 | 8.39 | 8.29 | 9.13 | ||||||||
| Staff Cost | EUR mil | 2.56 | 2.77 | 2.86 | 2.83 | 2.81 | ||||||||
| Depreciation | EUR mil | 0.325 | 0.418 | 0.478 | 0.537 | 0.585 | ||||||||
| Other Cost | EUR mil | 1.64 | 2.06 | 2.10 | 1.98 | 1.80 | ||||||||
| Operating Cost | EUR mil | 4.53 | 5.24 | 5.44 | 5.35 | 5.20 | ||||||||
| Operating Profit | EUR mil | 2.41 | 2.32 | 2.95 | 2.95 | 3.94 | ||||||||
| Provisions | EUR mil | 0.581 | 0.239 | 0.311 | 0.420 | 1.37 | ||||||||
| Extra and Other Cost | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Pre-Tax Profit | EUR mil | 1.82 | 2.08 | 2.64 | 2.53 | 2.57 | ||||||||
| Tax | EUR mil | 0.350 | 0.408 | 0.648 | 0.636 | 0.562 | ||||||||
| Minorities | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Net Profit | EUR mil | 1.47 | 1.67 | 1.99 | 1.89 | 2.00 | ||||||||
| growth rates | ||||||||||||||
| Net Interest Income Growth | % | ... | 7.45 | 18.9 | 15.4 | -1.83 | 13.4 | |||||||
| Net Fee Income Growth | % | ... | 1.51 | -7.12 | 7.97 | 1.87 | 2.07 | |||||||
| Total Revenue Growth | % | ... | 8.61 | 9.06 | 10.9 | -1.14 | 10.1 | |||||||
| Operating Cost Growth | % | ... | 15.5 | 15.8 | 3.64 | -1.62 | -2.82 | |||||||
| Operating Profit Growth | % | ... | -2.32 | -3.58 | 27.3 | -0.271 | 33.7 | |||||||
| Pre-Tax Profit Growth | % | ... | -19.7 | 14.0 | 27.0 | -4.43 | 1.62 | |||||||
| Net Profit Growth | % | ... | -10.1 | 13.4 | 19.3 | -5.27 | 6.09 | |||||||
| market share | ||||||||||||||
| Market Share in Revenues | % | 0.283 | 0.361 | 0.361 | 0.337 | 0.401 | ||||||||
| Market Share in Net Profit | % | ... | ... | 0.219 | 0.348 | 0.363 | 0.337 | 0.331 | ||||||
| Market Share in Employees | % | 0.602 | 0.525 | 0.615 | 0.611 | 0.603 |
| balance sheet | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||
| Cash | EUR mil | 0.006 | 0.034 | 1.09 | 3.99 | 0.053 | ||||||||
| Interbank Loans | EUR mil | 5.06 | 5.02 | 5.05 | 9.16 | 15.1 | ||||||||
| Customer Loans | EUR mil | 117 | 135 | 151 | 160 | 168 | ||||||||
| Retail Loans | EUR mil | 117 | 135 | 104 | 113 | 126 | ||||||||
| Mortgage Loans | EUR mil | 117 | 135 | 104 | 113 | 126 | ||||||||
| Consumer Loans | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Corporate Loans | EUR mil | 0 | 0 | 46.5 | 47.0 | 42.3 | ||||||||
| Debt Securities | EUR mil | 74.6 | 75.3 | 63.1 | 62.8 | 69.1 | ||||||||
| Fixed Assets | EUR mil | 1.47 | 1.62 | 1.53 | 1.31 | 1.12 | ||||||||
| Total Assets | EUR mil | 199 | 217 | 221 | 237 | 254 | ||||||||
| Shareholders' Equity | EUR mil | 21.4 | 25.7 | 27.1 | 28.4 | 28.2 | ||||||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Liabilities | EUR mil | 177 | 191 | 194 | 209 | 226 | ||||||||
| Interbank Borrowing | EUR mil | 20.0 | 20.1 | 8.98 | 4.98 | 6.49 | ||||||||
| Customer Deposits | EUR mil | 156 | 168 | 183 | 201 | 217 | ||||||||
| Retail Deposits | EUR mil | 156 | 168 | 183 | 201 | 217 | ||||||||
| Issued Debt Securities | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||
| Other Liabilities | EUR mil | 1.95 | 2.65 | 2.60 | 2.22 | 2.42 | ||||||||
| asset quality | ||||||||||||||
| Non-Performing Loans | EUR mil | ... | 3.47 | 3.18 | 3.35 | 3.72 | 9.91 | |||||||
| Gross Loans | EUR mil | ... | 120 | 137 | 153 | 162 | 172 | |||||||
| Total Provisions | EUR mil | ... | 3.13 | 2.14 | 2.45 | 2.13 | 3.41 | |||||||
| growth rates | ||||||||||||||
| Customer Loan Growth | % | ... | 18.2 | 15.0 | 11.6 | 6.04 | 5.54 | |||||||
| Retail Loan Growth | % | ... | 18.2 | 15.0 | -22.8 | 8.23 | 12.1 | |||||||
| Mortgage Loan Growth | % | ... | 18.2 | 15.0 | -22.8 | 8.23 | 12.1 | |||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.15 | -10.1 | ||
| Total Asset Growth | % | ... | 7.73 | 9.01 | 2.08 | 7.06 | 7.34 | |||||||
| Shareholders' Equity Growth | % | ... | -1.61 | 19.8 | 5.37 | 4.84 | -0.511 | |||||||
| Customer Deposit Growth | % | ... | 6.56 | 8.30 | 8.48 | 10.2 | 7.86 | |||||||
| Retail Deposit Growth | % | ... | 6.56 | 8.30 | 8.48 | 10.2 | 7.86 | |||||||
| market share | ||||||||||||||
| Market Share in Customer Loans | % | 0.322 | 0.363 | 0.384 | 0.382 | 0.371 | ||||||||
| Market Share in Retail Loans | % | 0 | 0 | 0 | 0 | 0 | ||||||||
| Market Share in Consumer Loans | % | 0.682 | 0.718 | 0.506 | 0.489 | 0.487 | ||||||||
| Market Share in Mortgage Loans | % | 0.951 | 0.985 | 0.680 | 0.649 | 0.640 | ||||||||
| Market Share in Total Assets | % | 0.337 | 0.363 | 0.363 | 0.369 | 0.368 | ||||||||
| Market Share in Customer Deposits | % | 0.388 | 0.398 | 0.412 | 0.437 | 0.431 | ||||||||
| Market Share in Retail Deposits | % | 0.619 | 0.633 | 0.668 | 0.706 | 0.699 |
| ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||
| ROE | % | 6.82 | 7.10 | 7.56 | 6.82 | 7.08 | ||||||||
| ROA | % | 0.769 | 0.804 | 0.910 | 0.824 | 0.816 | ||||||||
| Costs (As % Of Assets) | % | 2.36 | 2.52 | 2.48 | 2.33 | 2.11 | ||||||||
| Costs (As % Of Income) | % | 65.3 | 69.3 | 64.8 | 64.5 | 56.9 | ||||||||
| Capital Adequacy Ratio | % | ... | 26.5 | 26.0 | 21.6 | 19.0 | 18.5 | |||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.8 | ||
| Net Interest Margin | % | 2.37 | 2.60 | 2.84 | 2.67 | 2.82 | ||||||||
| Interest Spread | % | ... | 2.11 | 2.37 | 2.63 | 2.45 | 2.65 | |||||||
| Asset Yield | % | 4.37 | 4.39 | 4.40 | 4.27 | 4.13 | ||||||||
| Cost Of Liabilities | % | ... | 2.26 | 2.03 | 1.77 | 1.82 | 1.47 | |||||||
| Interest Income (As % Of Revenues) | % | 65.5 | 71.4 | 74.3 | 73.8 | 76.0 | ||||||||
| Fee Income (As % Of Revenues) | % | 30.0 | 25.5 | 24.9 | 25.6 | 23.7 | ||||||||
| Other Income (As % Of Revenues) | % | 4.51 | 3.05 | 0.846 | 0.603 | 0.296 | ||||||||
| Cost Per Employee | USD per month | 2,673 | 3,020 | 2,775 | 2,668 | 2,356 | ||||||||
| Cost Per Employee (Local Currency) | EUR per month | 1,923 | 2,352 | 2,091 | 2,070 | 2,056 | ||||||||
| Staff Cost (As % Of Total Cost) | % | 56.5 | 52.7 | 52.6 | 53.0 | 54.1 | ||||||||
| Equity (As % Of Assets) | % | 10.8 | 11.8 | 12.2 | 12.0 | 11.1 | ||||||||
| Loans (As % Of Deposits) | % | 75.4 | 80.0 | 82.4 | 79.2 | 77.5 | ||||||||
| Loans (As % Assets) | % | 58.9 | 62.2 | 68.0 | 67.4 | 66.2 | ||||||||
| NPLs (As % Of Loans) | % | ... | 2.88 | 2.32 | 2.19 | 2.30 | 5.77 | |||||||
| Provisions (As % Of NPLs) | % | ... | 90.1 | 67.2 | 73.0 | 57.2 | 34.3 | |||||||
| Provisions (As % Of Loans) | % | ... | 2.67 | 1.58 | 1.63 | 1.33 | 2.02 | |||||||
| Cost of Provisions (As % Of Loans) | % | 0.537 | 0.190 | 0.218 | 0.271 | 0.836 |
| other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||
| Employees | 111 | 98.0 | 114 | 114 | 114 |
Get all company financials in excel:
By Helgi Library - December 12, 2019
CSOB Stavebna Sporitelna's customer loans reached EUR 163 mil in 2017, up 0.810% compared to the previous year. Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year. CSOB Stavebna Sporitelna accoun...
By Helgi Library - July 16, 2018
CSOB Stavebna Sporitelna's retail deposits reached EUR 224 mil in 2017, up 1.50% compared to the previous year. Slovak banking sector accepted retail deposits of EUR 35.1 bil in 2017, up 4.67% when compared to the last year. CSOB Stavebna Sporitelna accou...
By Helgi Library - July 16, 2018
CSOB Stavebna Sporitelna's retail deposits reached EUR 224 mil in 2017, up 1.50% compared to the previous year. Slovak banking sector accepted retail deposits of EUR 35.1 bil in 2017, up 4.67% when compared to the last year. CSOB Stavebna Sporitelna accou...
By Helgi Library - December 12, 2019
CSOB Stavebna Sporitelna's mortgage loans reached EUR 120 mil in 2017, down 0.721% compared to the previous year. Slovak banking sector provided mortgage loans of EUR 25.4 bil in 2017, up 12.8% when compared to the last year. CSOB Stavebna Sporitelna acco...
By Helgi Library - December 12, 2019
CSOB Stavebna Sporitelna's mortgage loans reached EUR 120 mil in 2017, down 0.721% compared to the previous year. Slovak banking sector provided mortgage loans of EUR 25.4 bil in 2017, up 12.8% when compared to the last year. CSOB Stavebna Sporitelna acco...
By Helgi Library - May 26, 2018
CSOB Stavebna Sporitelna made a net profit of EUR 0.489 mil under revenues of EUR 7.22 mil in 2017, up -58.5% and -16.4% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 2.00 mil in 2015 and an all time low o...
By Helgi Library - May 26, 2018
CSOB Stavebna Sporitelna made a net profit of EUR 0.489 mil under revenues of EUR 7.22 mil in 2017, up -58.5% and -16.4% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 2.00 mil in 2015 and an all time low o...
By Helgi Library - May 26, 2018
CSOB Stavebna Sporitelna's non-performing loans reached 5.70% of total loans at the end of 2017, up from 5.59% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.24% in 2006 and an all time low of 2.19% in 2013. Provision c...
By Helgi Library - May 26, 2018
CSOB Stavebna Sporitelna's non-performing loans reached 5.70% of total loans at the end of 2017, up from 5.59% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.24% in 2006 and an all time low of 2.19% in 2013. Provision c...
By Helgi Library - May 26, 2018
CSOB Stavebna Sporitelna's loans reached EUR 167 mil in the 2017, up from EUR 165 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 172 mil in 2015 and an all time low of EUR 68.5 mil in 2006. In the last ...
ČSOB Stavebná Sporitel'ňa is a Slovakia-based building savings bank. The Bank provides various financial products and services to retail and legal clients. It primarily offers construction loans, interim loans, and loans for housing reconstruction. ČSOB Stavebná Sporitel'ňa was established in 2000 and is a member of the ČSOB Financial Group, a 100% subsidiary of the Československá obchodná banka, a.s.. ČSOB Financial Group offers a wide range of finance corps, not only banking but also insurance, various types of financing, building savings, loans, investments, pensions, leasing, factoring and much more.
CSOB Stavebna Sporitelna has been growing its revenues and asset by 2.40% and 2.63% a year on average in the last 10 years. Its loans and deposits have grown by 8.25% and 2.76% a year during that time and loans to deposits ratio reached 72.7% at the end of 2017. The company achieved an average return on equity of 5.60% in the last decade with net profit growing -3.25% a year on average. In terms of operating efficiency, its cost to income ratio reached 75.5% in 2017, compared to 66.2% average in the last decade.
Equity represented 10.3% of total assets or 16.0% of loans at the end of 2017. CSOB Stavebna Sporitelna's non-performing loans were 5.70% of total loans while provisions covered some 47.3% of NPLs at the end of 2017.
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