By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna generated total banking revenues of CZK 685 mil in 2022-06-30, up 2.07% compared to the previous year. ...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna's capital adequacy ratio reached 28.1% at the end of second quarter of 2024, down from 30.0% when compar...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna's capital adequacy ratio reached 28.1% at the end of second quarter of 2024, down from 30.0% when compar...
| Profit Statement |
| Balance Sheet |
| Ratios |
| Growth Rates |
Get all company financials in excel:
| income statement | Unit | Dec 2024 | Dec 2023 |
| growth rates | |||
| Net Interest Income Growth | % | ... |
| ratios | Unit | Dec 2024 | Dec 2023 |
| ROTE | % | ... | |
| Return on Loans | % | ... | |
| Costs (As % Of Loans) | % | ... |
Get all company financials in excel:
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna's customer deposits reached CZK 128,045 mil in 2022-09-30, down 3.47% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,417 bil in 2022-09-30, up 1.21% when compared to the last year. CSOB Sta...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna employed 166 persons in 2024-06-30, down 5.14% when compared to the previous year. Historically, the bank's workforce hit an all time high of 580 persons in 2015-03-31 and an all time low of 166 in 2024-06-30. Average cost reached USD 5,96...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna employed 166 persons in 2024-06-30, down 5.14% when compared to the previous year. Historically, the bank's workforce hit an all time high of 580 persons in 2015-03-31 and an all time low of 166 in 2024-06-30. Average cost reached USD 5,96...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna's retail deposits reached CZK 127,850 mil in 2022-09-30, down 3.47% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,346 bil in 2022-09-30, up 0.685% when compared to the last year. CSOB Staveb...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna made a net profit of CZK 402 mil in the second quarter of 2024, up 100% when compared to the same period of last year. This implies a return on equity of 16.6%. Historically, the bank’s net profit reached an all time high of CZK 641 mil i...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna made a net profit of CZK 402 mil in the second quarter of 2024, up 100% when compared to the same period of last year. This implies a return on equity of 16.6%. Historically, the bank’s net profit reached an all time high of CZK 641 mil i...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna made a net profit of CZK 402 mil under revenues of CZK 701 mil in the second quarter of 2024, up 100% and 4.99% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of C...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna made a net profit of CZK 402 mil under revenues of CZK 701 mil in the second quarter of 2024, up 100% and 4.99% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of C...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna's cost to income ratio reached 32.7% in the second quarter of 2024, down from 105% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 122% of income in 4Q2021 and an all time low of 32.7...
By Helgi Library - September 9, 2024
CSOB Stavebni Sporitelna's cost to income ratio reached 32.7% in the second quarter of 2024, down from 105% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 122% of income in 4Q2021 and an all time low of 32.7...
ČSOB Stavební Spořitelna is the biggest building society in the Czech Republic. It was founded in 1993 as a joint venture between ČSOB and Bausparkasse Schwäbisch Hall. Since its beginning, ČMSS has concluded more than 8 mil building savings contracts and provided its clients with more than 1.1 mil housing loans. In April 2019, ČSOB became its sole shareholder. Formerly known as ČMSS, also known in Czech Republic as “the Fox” because of its mascot, is the biggest building savings bank in the Czech Republic with approximately 40% market share in building savings loans and building savings deposits. ČMSS currently has around 1.3 mil clients, some 1,800 tied agents and approximately 300 advisory points.
CSOB Stavebni Sporitelna has been growing its revenues and asset by -2.95% and -2.03% a year on average in the last 10 years. Its loans and deposits have grown by 0.035% and -2.24% a year during that time and loans to deposits ratio reached 98.7% at the end of 2023. The company achieved an average return on equity of 10.9% in the last decade with net profit growing -3.38% a year on average. In terms of operating efficiency, its cost to income ratio reached 51.2% in 2023, compared to 50.4% average in the last decade.
Equity represented 7.34% of total assets or 8.17% of loans at the end of 2023. CSOB Stavebni Sporitelna's non-performing loans were 1.61% of total loans while provisions covered some 80.8% of NPLs at the end of 2023.
Helgi Library 
