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Home » Companies » Banking in Czechia » Raiffeisen Stavebni Sporitelna

Raiffeisen Stavebni Sporitelna

RSS's employees fell 7.32% yoy to 76.0 in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna employed 76.0 persons in 2024-06-30, up 1.33% when compared to the previous year. Historically, t...

RSS's employees fell 7.32% yoy to 76.0 in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna employed 76.0 persons in 2024-06-30, up 1.33% when compared to the previous year. Historically, t...

RSS's net profit fell 49.2% yoy to CZK 217 mil in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil in the second quarter of 2024, down 49.2% when compared to the sa...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 940 887 1,059
Net Fee Income CZK mil 204 239 205
Other Income CZK mil -39.0 30.0 -2.00
Total Revenues CZK mil 1,105 1,156 1,262
Staff Cost CZK mil 216 139 127
Operating Profit CZK mil 483 531 619
Provisions CZK mil -63.0 55.0 -374
Net Profit CZK mil 443 468 827
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 7,904 1,302 4,608
Customer Loans CZK mil 64,332 70,383 69,254
Investments CZK mil 4,749 3,850 5,682
Total Assets CZK mil 78,990 77,286 81,186
Shareholders' Equity CZK mil 5,415 5,883 8,310
Interbank Borrowing CZK mil 2,002 7,763 12,033
Customer Deposits CZK mil 70,231 62,146 59,434
Issued Debt Securities CZK mil 602 602 602
Ratios 2021 2022 2023
ROE % 8.32 8.28 11.7
ROA % 0.574 0.599 1.04
Costs (As % Of Assets) % 0.806 0.800 0.811
Costs (As % Of Income) % 56.3 54.1 51.0
Capital Adequacy Ratio % 15.2 15.9 22.1
Net Interest Margin % 1.22 1.14 1.34
Loans (As % Of Deposits) % 91.6 113 117
NPLs (As % Of Loans) % 0.994 0.899 1.11
Provisions (As % Of NPLs) % 149 157 76.8
Growth Rates 2021 2022 2023
Total Revenue Growth % -5.56 4.62 9.17
Operating Cost Growth % 9.89 0.482 2.88
Operating Profit Growth % -20.0 9.94 16.6
Net Profit Growth % 104 5.64 76.7
Customer Loan Growth % 12.8 9.41 -1.60
Total Asset Growth % 4.89 -2.16 5.05
Customer Deposit Growth % 1.52 -11.5 -4.36
Shareholders' Equity Growth % 3.56 8.64 41.3
Employees 91.0 90.0 83.0

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summary Unit 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                                     903 987 1,041 947 940    
Total Revenues CZK mil                                     1,088 1,233 1,262 1,170 1,105    
Operating Profit CZK mil                                     603 677 721 604 483    
Net Profit CZK mil                                     444 516 536 217 443    
balance sheet                                                  
Interbank Loans CZK mil                                     457 1,043 4,757 7,938 7,904    
Customer Loans CZK mil                                     41,614 50,350 54,064 57,045 64,332    
Investments CZK mil                                     16,496 15,443 10,993 8,255 4,749    
Total Assets CZK mil                                     67,230 69,056 71,833 75,310 78,990    
                                                     
Shareholders' Equity CZK mil                                     4,771 4,768 5,012 5,229 5,415    
Interbank Borrowing CZK mil                                     0 0 0 0 2,002    
Customer Deposits CZK mil                                     61,211 63,533 65,762 69,182 70,231    
Issued Debt Securities CZK mil ... ...                                 472 500 302 302 602    
ratios                                                  
ROE % ...                                   9.29 10.8 11.0 4.24 8.32    
ROA % ...                                   0.665 0.757 0.761 0.295 0.574    
Costs (As % Of Assets) % ...                                   0.727 0.816 0.768 0.769 0.806    
Costs (As % Of Income) %                                     44.6 45.1 42.9 48.4 56.3    
Capital Adequacy Ratio % ... ...                                 16.0 14.5 15.6 17.2 15.2    
Net Interest Margin % ...                                   1.35 1.45 1.48 1.29 1.22    
Interest Income (As % Of Revenues) %                                     83.0 80.1 82.5 80.9 85.1    
Fee Income (As % Of Revenues) %                                     8.73 20.1 19.3 20.3 18.5    
Staff Cost (As % Of Total Cost) %                                     50.3 45.5 50.5 51.9 34.7    
Equity (As % Of Assets) %                                     7.10 6.90 6.98 6.94 6.86    
Loans (As % Of Deposits) %                                     68.0 79.3 82.2 82.5 91.6    
Loans (As % Assets) %                                     61.9 72.9 75.3 75.7 81.4    
NPLs (As % Of Loans) % ... ...                                 2.95 2.33 1.80 1.29 0.994    
Provisions (As % Of NPLs) % ... ...                                 77.9 94.7 98.1 141 149    
valuation                                                  
Book Value Per Share Growth % ...                                   4.27 9.32 5.46 -9.03 -0.739    
income statement Unit 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                                     1,792 1,828 1,904 1,834 1,833    
Interest Cost CZK mil                                     889 841 863 887 893    
Net Interest Income CZK mil                                     903 987 1,041 947 940    
Net Fee Income CZK mil                                     95.0 247 244 237 204    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 336 336 347    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 92.0 99.0 143    
Other Income CZK mil                                     90.0 -1.59 -23.0 -14.0 -39.0    
Total Revenues CZK mil                                     1,088 1,233 1,262 1,170 1,105    
Staff Cost CZK mil                                     244 253 273 294 216    
Depreciation CZK mil                                     43.0 50.5 87.0 95.0 99.0    
Other Cost CZK mil                                     198 253 181 177 307    
Operating Cost CZK mil                                     485 556 541 566 622    
Operating Profit CZK mil                                     603 677 721 604 483    
Provisions CZK mil                                     67.0 33.6 54.0 329 -63.0    
Extra and Other Cost CZK mil                                     0 0.439 0.011 0 -8.00    
Pre-Tax Profit CZK mil                                     536 643 667 275 554    
Tax CZK mil                                     92.0 127 131 58.0 111    
Minorities CZK mil                                     0 0 0 0 0    
Net Profit CZK mil                                     444 516 536 217 443    
Net Profit Avail. to Common CZK mil                                     444 516 536 217 443    
Dividends CZK mil ... ... ...                               300 300 0 217 0   ...
growth rates                                                  
Net Interest Income Growth % ...                                   4.27 9.32 5.46 -9.03 -0.739    
Net Fee Income Growth % ...                                   -34.9 160 -1.34 -2.87 -13.9    
Total Revenue Growth % ...                                   10.9 13.3 2.36 -7.29 -5.56    
Operating Cost Growth % ...                                   3.19 14.7 -2.72 4.62 9.89    
Operating Profit Growth % ...                                   18.0 12.2 6.54 -16.2 -20.0    
Pre-Tax Profit Growth % ...                                   -16.4 19.9 3.79 -58.8 101    
Net Profit Growth % ...                                   -16.2 16.1 4.00 -59.5 104    
market share                                                  
Market Share in Revenues %                                     0.607 0.648 0.624 0.648 0.599    
Market Share in Net Profit %                                     0.589 0.633 0.589 0.457 0.630    
Market Share in Employees % ... ...                                 0.640 0.638 0.644 0.651 0.229    
Market Share in Branches % ... ... ... ... ... ... ... ... ... ...                 9.10 9.10 9.96 11.2 10.8    
balance sheet Unit 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                                     1,028 913 605 552 14.0    
Interbank Loans CZK mil                                     457 1,043 4,757 7,938 7,904    
Customer Loans CZK mil                                     41,614 50,350 54,064 57,045 64,332    
Retail Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       37,059 45,305 49,903 51,845 59,793    
Mortgage Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       37,059 45,305 49,903 51,845 59,793    
Consumer Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0 0 0 0 0    
Corporate Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       4,564 5,045 5,117 5,200 5,009    
Investments CZK mil                                     16,496 15,443 10,993 8,255 4,749    
Property and Equipment CZK mil                                     216 234 371 76.0 59.0    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 215 220 240    
Total Assets CZK mil                                     67,230 69,056 71,833 75,310 78,990    
                                                     
Shareholders' Equity CZK mil                                     4,771 4,768 5,012 5,229 5,415    
Of Which Minority Interest CZK mil ... ...                                 0 0 0 0 0    
Liabilities CZK mil                                     62,459 64,289 66,821 70,081 73,575    
Interbank Borrowing CZK mil                                     0 0 0 0 2,002    
Customer Deposits CZK mil                                     61,211 63,533 65,762 69,182 70,231    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       60,795 63,533 64,415 67,756 69,607    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       175 0 510 547 485    
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 7,912 9,143 8,408    
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 57,850 60,039 61,823    
Issued Debt Securities CZK mil ... ...                                 472 500 302 302 602    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302 302 602    
Other Liabilities CZK mil ... ...                                 776 255 757 597 740    
asset quality                                                  
Non-Performing Loans CZK mil ... ...                                 1,257 1,174 988 747 649    
Gross Loans CZK mil ... ...                                 42,594 50,350 55,033 58,097 65,296    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ...             26,799 29,570 29,285 29,663 35,217    
Total Provisions CZK mil ... ...                                 979 1,111 969 1,052 964    
growth rates                                                  
Customer Loan Growth % ...                                   8.21 21.0 7.38 5.51 12.8    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     14.1 22.3 10.1 3.89 15.3    
Mortgage Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     14.1 22.3 10.1 3.89 15.3    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -33.0 10.5 1.43 1.62 -3.67    
Total Asset Growth % ...                                   1.49 2.72 4.02 4.84 4.89    
Shareholders' Equity Growth % ...                                   -0.285 -0.076 5.12 4.33 3.56    
Customer Deposit Growth % ...                                   0.647 3.79 3.51 5.20 1.52    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     2.49 4.50 1.39 5.19 2.73    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -73.9 -100 ... 7.25 -11.3    
market share                                                  
Market Share in Customer Loans %                                     1.35 1.52 1.57 1.59 1.67    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.447 0.467 0.457 0.463 0.422    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.43 2.76 2.86 2.79 2.93    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0 0 0 0 0    
Market Share in Mortgage Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       3.23 3.64 3.75 3.61 3.75    
Market Share in Total Assets %                                     0.960 0.949 0.950 0.945 0.927    
Market Share in Customer Deposits %                                     1.47 1.43 1.39 1.34 1.28    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       2.56 2.48 2.36 2.22 2.13    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.018 0 0.047 0.045 0.037    
ratios Unit 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 % ...                                   9.29 10.8 11.0 4.24 8.32    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.43 8.70    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...           11.1 12.2 12.1 4.91 9.10    
ROA % ...                                   0.665 0.757 0.761 0.295 0.574    
Return on Loans %                                     1.11 1.12 1.03 0.391 0.730    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...           2.26 2.40 2.45 2.05 1.49    
Costs (As % Of Assets) % ...                                   0.727 0.816 0.768 0.769 0.806    
Costs (As % Of Income) %                                     44.6 45.1 42.9 48.4 56.3    
Costs (As % Of Loans) % ...                                   1.21 1.21 1.04 1.02 1.02    
Costs (As % Of Loans & Deposits) % ...                                   0.480 0.513 0.463 0.460 0.477    
Capital Adequacy Ratio % ... ...                                 16.0 14.5 15.6 17.2 15.2    
Tier 1 Ratio % ... ...                                 16.0 14.5 14.6 16.2 13.5    
Net Interest Margin % ...                                   1.35 1.45 1.48 1.29 1.22    
Interest Spread % ...                                   1.25 1.36 1.39 1.20 1.13    
Asset Yield % ...                                   2.69 2.68 2.70 2.49 2.38    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ...           4.07 4.37 4.29 3.97 3.41    
Cost Of Liabilities % ...                                   1.43 1.33 1.32 1.30 1.24    
Payout Ratio % ... ... ...                               67.6 58.2 0 100 0   ...
Interest Income (As % Of Revenues) %                                     83.0 80.1 82.5 80.9 85.1    
Fee Income (As % Of Revenues) %                                     8.73 20.1 19.3 20.3 18.5    
Other Income (As % Of Revenues) %                                     8.27 -0.129 -1.82 -1.20 -3.53    
Staff Cost (As % Of Total Cost) %                                     50.3 45.5 50.5 51.9 34.7    
Equity (As % Of Assets) %                                     7.10 6.90 6.98 6.94 6.86    
Equity (As % Of Loans) %                                     11.5 9.47 9.27 9.17 8.42    
Loans (As % Of Deposits) %                                     68.0 79.3 82.2 82.5 91.6    
Loans (As % Assets) %                                     61.9 72.9 75.3 75.7 81.4    
NPLs (As % Of Loans) % ... ...                                 2.95 2.33 1.80 1.29 0.994    
Provisions (As % Of NPLs) % ... ...                                 77.9 94.7 98.1 141 149    
Provisions (As % Of Loans) % ... ...                                 2.35 2.21 1.79 1.84 1.50    
Cost of Provisions (As % Of Loans) % ...                                   0.167 0.073 0.103 0.592 -0.104    
other data Unit 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 ... ... ... ... ... ... ... ... ... ...                 177 178 189 188 173    
Employees ... ...                                 268 267 268 265 91.0    
Employees Per Bank Branch ... ... ... ... ... ... ... ... ... ...                 1.51 1.50 1.42 1.41 0.526    
Cost Per Employee USD per month ... ...                                 3,233 3,607 3,766 4,202 9,128    
Cost Per Employee (Local Currency) CZK per month ... ...                                 75,871 78,907 84,888 92,453 197,802    
customer breakdown Unit 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 ... ...                                 0.560 0.557 0.584 0.600 0.600    
Number of Accounts mil ... ...                                 0.560 0.557 0.584 0.600 0.600    
Number of Primary Customers mil ... ...                                 0.099 0.100 0.095 0.088 0.083    
Number of Mortgages mil ... ...                                 0.099 0.100 0.095 0.088 0.083    
Average Size of Deposit CZK ... ...                                 109,376 114,144 112,668 115,276 117,139    
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       376,071 452,916 524,701 589,241 719,557    
Accounts (As % of Total Clients) % ... ...                                 100 100 100 100 100    
Primary (As % of Total Clients) % ... ...                                 17.6 18.0 16.3 14.7 13.9    
Mortgages (As % of Total Clients) % ... ...                                 17.6 18.0 16.3 14.7 13.9    
Revenue per Customer (Local Currency) CZK ... ...                                 1,944 2,215 2,162 1,950 1,843    
Net Profit per Customer (Local Currency) CZK ... ...                                 793 926 919 362 739    
Loan per Customer (Local Currency) CZK ... ...                                 74,360 90,459 92,626 95,053 107,300    
Deposit per Customer (Local Currency) CZK ... ...                                 109,376 114,144 112,668 115,276 117,139    
Revenue per Customer USD ... ...                                 82.9 101 95.9 88.6 85.1    
Net Profit per Customer USD ... ...                                 33.8 42.3 40.8 16.4 34.1    
Loan per Customer USD ... ...                                 3,493 4,026 4,095 4,444 4,888    
Deposit per Customer USD ... ...                                 5,137 5,081 4,981 5,390 5,336    

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RSS's net profit fell 49.2% yoy to CZK 217 mil in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil in the second quarter of 2024, down 49.2% when compared to the same period of last year. This implies a return on equity of 10.2%. Historically, the bank’s net profit reached an all time high of CZK ...

RSS's net profit fell 49.2% yoy to CZK 217 mil in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil under revenues of CZK 346 mil in the second quarter of 2024, down 49.2% and up 16.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an al...

RSS's net profit fell 49.2% yoy to CZK 217 mil in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna made a net profit of CZK 217 mil under revenues of CZK 346 mil in the second quarter of 2024, down 49.2% and up 16.2% respectively when compared to the same period last year. Historically, the bank’s net profit reached an al...

RSS's capital adequacy ratio rose 12.3% yoy to 24.4% in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 24.4% at the end of second quarter of 2024, up from 22.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.4% in 2Q2024 and an all time low of 9....

RSS's capital adequacy ratio rose 12.3% yoy to 24.4% in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's capital adequacy ratio reached 24.4% at the end of second quarter of 2024, up from 22.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.4% in 2Q2024 and an all time low of 9....

RSS's mortgage loans fell 2.14% yoy to CZK 64,347 mil in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 64,347 mil in 2Q2024, down 0.131% 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. Raiffeisen Stave...

RSS's mortgage loans fell 2.14% yoy to CZK 64,347 mil in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's mortgage loans reached CZK 64,347 mil in 2Q2024, down 0.131% 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. Raiffeisen Stave...

RSS's npls (as % of loans) rose 9.13% yoy to 1.12% in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's non-performing loans reached 1.12% of total loans at the end of 2024-06-30, up from 1.02% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.57% in 2015-03-31 and an all time low of 0.899% in 2022...

RSS's npls (as % of loans) rose 9.13% yoy to 1.12% in 2Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's non-performing loans reached 1.12% of total loans at the end of 2024-06-30, up from 1.02% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.57% in 2015-03-31 and an all time low of 0.899% in 2022...

RSS's customer loans fell 2.44% yoy to CZK 68,849 mil in 1Q2024

By Helgi Library - September 9, 2024

Raiffeisen Stavebni Sporitelna's customer loans reached CZK 68,849 mil in 2024-03-31, down 0.585% 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. Raiffeis...

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Raiffeisen Stavebni is one of the five building savings banks operating in the Czech Republic. It is partly owned by the Czech subsidiary of Raiffeisenbank (10%) with the rest in the hands of Raiffeisen Bausparkasse. Following the acquisition of Hypo Stavební Spořitelna in 2008, the building savings bank owned some 15% of building savings loans and deposits. It cooperates with Raiffeisenbank and operates through a network of 200 selling points.

Raiffeisen Stavebni Sporitelna Logo

Finance

Raiffeisen Stavebni Sporitelna has been growing its revenues and asset by 0.683% and -0.088% a year on average in the last 10 years. Its loans and deposits have grown by 5.87% and -2.40% a year during that time and loans to deposits ratio reached 117% at the end of 2023. The company achieved an average return on equity of 9.16% in the last decade with net profit growing 6.66% a year on average. In terms of operating efficiency, its cost to income ratio reached 51.0% in 2023, compared to 48.1% average in the last decade.

Equity represented 10.2% of total assets or 12.0% of loans at the end of 2023. Raiffeisen Stavebni Sporitelna's non-performing loans were 1.11% of total loans while provisions covered some 76.8% of NPLs at the end of 2023.

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