By Helgi Library - September 30, 2023
Sberbank Czech Republic made a net profit of CZK -330 mil in the first quarter of 2022, down 2% when compared to the same period ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic made a net profit of CZK -330 mil in the first quarter of 2022, down 2% when compared to the same period ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic made a net profit of CZK -330 mil under revenues of CZK 439 mil in the first quarter of 2022, down 2% and ...
| Profit Statement | 2019 | 2020 | 2021 | |
| Net Interest Income | CZK mil | 1,787 | 1,523 | 1,545 |
| Net Fee Income | CZK mil | 426 | 324 | 422 |
| Other Income | CZK mil | 269 | 89.0 | 164 |
| Total Revenues | CZK mil | 2,482 | 1,936 | 2,130 |
| Staff Cost | CZK mil | 885 | 763 | 796 |
| Operating Profit | CZK mil | 996 | 560 | 560 |
| Provisions | CZK mil | 320 | 538 | 188 |
| Net Profit | CZK mil | 539 | 19.0 | 285 |
| Balance Sheet | 2019 | 2020 | 2021 | |
| Interbank Loans | CZK mil | 3,033 | 3,168 | 13,655 |
| Customer Loans | CZK mil | 63,059 | 61,360 | 60,413 |
| Investments | CZK mil | 421 | 929 | 3,480 |
| Total Assets | CZK mil | 83,710 | 89,404 | 84,988 |
| Shareholders' Equity | CZK mil | 9,243 | 9,245 | 9,352 |
| Interbank Borrowing | CZK mil | 2,397 | 467 | 2,864 |
| Customer Deposits | CZK mil | 69,568 | 78,131 | 71,508 |
| Issued Debt Securities | CZK mil | 995 | 0 | 0 |
| Ratios | 2019 | 2020 | 2021 | |
| ROE | % | 6.01 | 0.206 | 3.06 |
| ROA | % | 0.659 | 0.022 | 0.327 |
| Costs (As % Of Assets) | % | 1.82 | 1.59 | 1.80 |
| Costs (As % Of Income) | % | 59.9 | 71.1 | 73.7 |
| Capital Adequacy Ratio | % | 16.6 | 17.2 | 17.4 |
| Net Interest Margin | % | 2.19 | 1.76 | 1.77 |
| Loans (As % Of Deposits) | % | 90.6 | 78.5 | 84.5 |
| NPLs (As % Of Loans) | % | 1.54 | 2.14 | 2.64 |
| Provisions (As % Of NPLs) | % | 157 | 141 | 118 |
| Growth Rates | 2019 | 2020 | 2021 | |
| Total Revenue Growth | % | 5.66 | -22.0 | 10.0 |
| Operating Cost Growth | % | -5.77 | -7.40 | 14.2 |
| Operating Profit Growth | % | 29.0 | -43.8 | -0.084 |
| Net Profit Growth | % | 43.0 | -96.5 | 1,399 |
| Customer Loan Growth | % | 0.250 | -2.69 | -1.54 |
| Total Asset Growth | % | 4.96 | 6.80 | -4.94 |
| Customer Deposit Growth | % | 5.27 | 12.3 | -8.48 |
| Shareholders' Equity Growth | % | 6.22 | 0.022 | 1.16 |
| Employees | 746 | 701 | 692 | |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| income statement | |||||||||||||||||||||||
| Net Interest Income | CZK mil | 1,409 | 1,539 | 1,646 | 1,780 | 1,787 | |||||||||||||||||
| Total Revenues | CZK mil | 1,918 | 1,974 | 2,204 | 2,349 | 2,482 | |||||||||||||||||
| Operating Profit | CZK mil | 327 | 576 | 750 | 772 | 996 | |||||||||||||||||
| Net Profit | CZK mil | 23.0 | 272 | 424 | 377 | 539 | |||||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | CZK mil | 2,296 | 1,955 | 1,892 | 1,890 | 3,033 | |||||||||||||||||
| Customer Loans | CZK mil | 50,781 | 55,613 | 60,483 | 62,902 | 63,059 | |||||||||||||||||
| Investments | CZK mil | 2,564 | 358 | 498 | 1,086 | 421 | |||||||||||||||||
| Total Assets | CZK mil | 76,609 | 71,965 | 81,464 | 79,755 | 83,710 | |||||||||||||||||
| Shareholders' Equity | CZK mil | 8,079 | 8,330 | 8,754 | 8,702 | 9,243 | |||||||||||||||||
| Interbank Borrowing | CZK mil | 6,513 | 3,467 | 5,387 | 2,971 | 2,397 | |||||||||||||||||
| Customer Deposits | CZK mil | 55,768 | 55,787 | 64,129 | 66,088 | 69,568 | |||||||||||||||||
| Issued Debt Securities | CZK mil | 5,769 | 3,481 | 2,093 | 1,193 | 995 | |||||||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | 0.285 | 3.32 | 4.96 | 4.32 | 6.01 | ||||||||||||||||
| ROA | % | ... | 0.032 | 0.366 | 0.553 | 0.468 | 0.659 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.22 | 1.88 | 1.90 | 1.96 | 1.82 | ||||||||||||||||
| Costs (As % Of Income) | % | 83.0 | 70.8 | 66.0 | 67.1 | 59.9 | |||||||||||||||||
| Capital Adequacy Ratio | % | 17.5 | 16.6 | 16.4 | 16.2 | 16.6 | |||||||||||||||||
| Net Interest Margin | % | ... | 1.96 | 2.07 | 2.15 | 2.21 | 2.19 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 73.5 | 78.0 | 74.7 | 75.8 | 72.0 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | 22.6 | 18.5 | 18.5 | 17.8 | 17.2 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 47.4 | 59.2 | 60.1 | 62.1 | 59.6 | |||||||||||||||||
| Equity (As % Of Assets) | % | 10.5 | 11.6 | 10.7 | 10.9 | 11.0 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 91.1 | 99.7 | 94.3 | 95.2 | 90.6 | |||||||||||||||||
| Loans (As % Assets) | % | 66.3 | 77.3 | 74.2 | 78.9 | 75.3 | |||||||||||||||||
| NPLs (As % Of Loans) | % | 5.19 | 5.74 | 5.43 | 2.63 | 1.54 | |||||||||||||||||
| Provisions (As % Of NPLs) | % | 46.9 | 35.1 | 35.7 | 112 | 157 | |||||||||||||||||
| valuation | |||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | -15.6 | 9.23 | 6.95 | 8.14 | 0.393 |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| income statement | |||||||||||||||||||||||
| Interest Income | CZK mil | 1,972 | 1,920 | 1,909 | 2,092 | 2,298 | |||||||||||||||||
| Interest Cost | CZK mil | 563 | 381 | 263 | 312 | 511 | |||||||||||||||||
| Net Interest Income | CZK mil | 1,409 | 1,539 | 1,646 | 1,780 | 1,787 | |||||||||||||||||
| Net Fee Income | CZK mil | 433 | 365 | 408 | 418 | 426 | |||||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 529 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 103 | ||
| Other Income | CZK mil | 76.0 | 70.0 | 150 | 151 | 269 | |||||||||||||||||
| Total Revenues | CZK mil | 1,918 | 1,974 | 2,204 | 2,349 | 2,482 | |||||||||||||||||
| Staff Cost | CZK mil | 754 | 828 | 874 | 979 | 885 | |||||||||||||||||
| Depreciation | CZK mil | 117 | 106 | 109 | 143 | 142 | |||||||||||||||||
| Other Cost | CZK mil | 720 | 464 | 471 | 455 | 459 | |||||||||||||||||
| Operating Cost | CZK mil | 1,591 | 1,398 | 1,454 | 1,577 | 1,486 | |||||||||||||||||
| Operating Profit | CZK mil | 327 | 576 | 750 | 772 | 996 | |||||||||||||||||
| Provisions | CZK mil | 290 | 240 | 219 | 294 | 320 | |||||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Pre-Tax Profit | CZK mil | 37.0 | 336 | 531 | 478 | 676 | |||||||||||||||||
| Tax | CZK mil | 14.0 | 64.0 | 107 | 101 | 137 | |||||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Net Profit | CZK mil | 23.0 | 272 | 424 | 377 | 539 | |||||||||||||||||
| Net Profit Avail. to Common | CZK mil | 23.0 | 272 | 424 | 377 | 539 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | -15.6 | 9.23 | 6.95 | 8.14 | 0.393 | ||||||||||||||||
| Net Fee Income Growth | % | ... | 19.9 | -15.7 | 11.8 | 2.45 | 1.91 | ||||||||||||||||
| Total Revenue Growth | % | ... | -11.0 | 2.92 | 11.7 | 6.58 | 5.66 | ||||||||||||||||
| Operating Cost Growth | % | ... | 18.6 | -12.1 | 4.01 | 8.46 | -5.77 | ||||||||||||||||
| Operating Profit Growth | % | ... | -59.8 | 76.1 | 30.2 | 2.93 | 29.0 | ||||||||||||||||
| Pre-Tax Profit Growth | % | ... | -92.3 | 808 | 58.0 | -9.98 | 41.4 | ||||||||||||||||
| Net Profit Growth | % | ... | -94.0 | 1,083 | 55.9 | -11.1 | 43.0 | ||||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Revenues | % | 1.10 | 1.10 | 1.23 | 1.23 | 1.23 | |||||||||||||||||
| Market Share in Net Profit | % | 0.035 | 0.371 | 0.573 | 0.470 | 0.601 | |||||||||||||||||
| Market Share in Employees | % | 2.05 | 2.08 | 2.21 | 2.01 | 1.79 | |||||||||||||||||
| Market Share in Branches | % | 1.34 | 1.37 | 1.44 | 1.28 | 1.26 |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| balance sheet | |||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 19,989 | 12,975 | 17,439 | 12,165 | 15,077 | |||||||||||||||||
| Interbank Loans | CZK mil | 2,296 | 1,955 | 1,892 | 1,890 | 3,033 | |||||||||||||||||
| Customer Loans | CZK mil | 50,781 | 55,613 | 60,483 | 62,902 | 63,059 | |||||||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 16,322 | 21,309 | 27,881 | 33,791 | 33,911 | ||||||||||
| Mortgage Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 13,267 | 17,049 | 24,039 | 28,952 | 28,658 | ||||||||||
| Consumer Loans | CZK mil | ... | ... | ... | ... | ... | 3,055 | 4,260 | 3,842 | 4,839 | 5,253 | ||||||||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | 34,459 | 34,304 | 33,797 | 31,019 | 30,705 | ||||||||||
| Investments | CZK mil | 2,564 | 358 | 498 | 1,086 | 421 | |||||||||||||||||
| Property and Equipment | CZK mil | 443 | 550 | 740 | 893 | 515 | |||||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 757 | ||
| Total Assets | CZK mil | 76,609 | 71,965 | 81,464 | 79,755 | 83,710 | |||||||||||||||||
| Shareholders' Equity | CZK mil | 8,079 | 8,330 | 8,754 | 8,702 | 9,243 | |||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Liabilities | CZK mil | 68,530 | 63,635 | 72,710 | 71,053 | 74,467 | |||||||||||||||||
| Interbank Borrowing | CZK mil | 6,513 | 3,467 | 5,387 | 2,971 | 2,397 | |||||||||||||||||
| Customer Deposits | CZK mil | 55,768 | 55,787 | 64,129 | 66,088 | 69,568 | |||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | 30,016 | 29,592 | 29,358 | 29,173 | 30,890 | |||||||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | 19,040 | 18,391 | 22,286 | 23,393 | 24,675 | |||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 19,721 | 20,968 | 25,405 | 25,048 | 24,253 | ... | ... | |||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 36,047 | 34,819 | 38,724 | 41,040 | 45,315 | ... | ... | |||
| Issued Debt Securities | CZK mil | 5,769 | 3,481 | 2,093 | 1,193 | 995 | |||||||||||||||||
| Other Liabilities | CZK mil | 480 | 900 | 1,101 | 801 | 1,507 | |||||||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | CZK mil | 2,701 | 3,257 | 3,350 | 1,704 | 994 | |||||||||||||||||
| Gross Loans | CZK mil | 52,048 | 56,755 | 61,678 | 64,810 | 64,616 | |||||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 45,071 | 48,217 | 50,619 | 48,000 | 47,476 | |||||
| Total Provisions | CZK mil | 1,267 | 1,142 | 1,195 | 1,908 | 1,557 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | -6.22 | 9.52 | 8.76 | 4.00 | 0.250 | ||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 10.4 | 30.6 | 30.8 | 21.2 | 0.355 | |||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.54 | 28.5 | 41.0 | 20.4 | -1.02 | |||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | 38.0 | 39.4 | -9.81 | 26.0 | 8.56 | |||||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | -12.5 | -0.450 | -1.48 | -8.22 | -1.01 | |||||||||
| Total Asset Growth | % | ... | 14.6 | -6.06 | 13.2 | -2.10 | 4.96 | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | 0.174 | 3.11 | 5.09 | -0.594 | 6.22 | ||||||||||||||||
| Customer Deposit Growth | % | ... | 25.7 | 0.034 | 15.0 | 3.05 | 5.27 | ||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | 80.7 | -1.41 | -0.791 | -0.630 | 5.89 | ||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | -4.52 | -3.41 | 21.2 | 4.97 | 5.48 | ||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Customer Loans | % | 1.83 | 1.88 | 1.96 | 1.90 | 1.83 | |||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 3.74 | 3.52 | 3.31 | 2.87 | 2.74 | ||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | 1.24 | 1.50 | 1.83 | 2.06 | 1.94 | ||||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 0.874 | 1.17 | 1.01 | 1.22 | 1.26 | ||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | 1.37 | 1.62 | 2.09 | 2.32 | 2.16 | ||||||||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | 1.40 | 1.21 | 1.16 | 1.10 | 1.11 | ||||||||||
| Market Share in Customer Deposits | % | 1.58 | 1.48 | 1.54 | 1.49 | 1.47 | |||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | 1.48 | 1.34 | 1.24 | 1.14 | 1.13 | |||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | 2.07 | 2.01 | 2.24 | 2.25 | 2.25 |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| ROE | % | ... | 0.285 | 3.32 | 4.96 | 4.32 | 6.01 | ||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.334 | 3.89 | 5.72 | 5.10 | 7.53 | |||||
| ROA | % | ... | 0.032 | 0.366 | 0.553 | 0.468 | 0.659 | ||||||||||||||||
| Return on Loans | % | 0.044 | 0.511 | 0.730 | 0.611 | 0.856 | |||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.712 | 1.23 | 1.52 | 1.57 | 2.09 | |||||
| Costs (As % Of Assets) | % | ... | 2.22 | 1.88 | 1.90 | 1.96 | 1.82 | ||||||||||||||||
| Costs (As % Of Income) | % | 83.0 | 70.8 | 66.0 | 67.1 | 59.9 | |||||||||||||||||
| Costs (As % Of Loans) | % | ... | 3.03 | 2.63 | 2.50 | 2.56 | 2.36 | ||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.55 | 1.28 | 1.23 | 1.24 | 1.14 | ||||||||||||||||
| Capital Adequacy Ratio | % | 17.5 | 16.6 | 16.4 | 16.2 | 16.6 | |||||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 17.5 | 16.2 | 16.1 | 15.8 | 16.3 | |||||
| Net Interest Margin | % | ... | 1.96 | 2.07 | 2.15 | 2.21 | 2.19 | ||||||||||||||||
| Interest Spread | % | ... | 1.86 | 2.01 | 2.10 | 2.16 | 2.11 | ||||||||||||||||
| Asset Yield | % | ... | 2.75 | 2.58 | 2.49 | 2.60 | 2.81 | ||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.18 | 4.23 | 4.46 | 4.76 | 5.20 | |||||
| Cost Of Liabilities | % | ... | 0.884 | 0.577 | 0.386 | 0.434 | 0.702 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 73.5 | 78.0 | 74.7 | 75.8 | 72.0 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | 22.6 | 18.5 | 18.5 | 17.8 | 17.2 | |||||||||||||||||
| Other Income (As % Of Revenues) | % | 3.96 | 3.55 | 6.81 | 6.43 | 10.8 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 47.4 | 59.2 | 60.1 | 62.1 | 59.6 | |||||||||||||||||
| Equity (As % Of Assets) | % | 10.5 | 11.6 | 10.7 | 10.9 | 11.0 | |||||||||||||||||
| Equity (As % Of Loans) | % | 15.9 | 15.0 | 14.5 | 13.8 | 14.7 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 91.1 | 99.7 | 94.3 | 95.2 | 90.6 | |||||||||||||||||
| Loans (As % Assets) | % | 66.3 | 77.3 | 74.2 | 78.9 | 75.3 | |||||||||||||||||
| NPLs (As % Of Loans) | % | 5.19 | 5.74 | 5.43 | 2.63 | 1.54 | |||||||||||||||||
| Provisions (As % Of NPLs) | % | 46.9 | 35.1 | 35.7 | 112 | 157 | |||||||||||||||||
| Provisions (As % Of Loans) | % | 2.50 | 2.05 | 1.98 | 3.03 | 2.47 | |||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.553 | 0.451 | 0.377 | 0.477 | 0.508 |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| Branches | 29.0 | 28.0 | 28.0 | 25.0 | 24.0 | ||||||||||||||||||
| Employees | 846 | 852 | 924 | 840 | 746 | ||||||||||||||||||
| Employees Per Bank Branch | 29.2 | 30.4 | 33.0 | 33.6 | 31.1 | ||||||||||||||||||
| Cost Per Employee | USD per month | 3,112 | 3,210 | 3,359 | 4,439 | 4,385 | |||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | 74,271 | 80,986 | 78,824 | 97,123 | 98,861 |
| customer breakdown | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
| Customers | mil | ... | ... | ... | ... | ... | 0.109 | 0.108 | 0.113 | 0.117 | 0.111 | ||||||||||||
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.010 | 0.013 | 0.017 | 0.020 | 0.020 | ... | |||
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | 1,444,000 | ... | |||
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.45 | 11.6 | 15.3 | 17.0 | 17.9 | ... | |||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 17,518 | 18,226 | 19,581 | 20,060 | 22,391 | ||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 210 | 2,511 | 3,767 | 3,219 | 4,863 | ||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 463,808 | 513,461 | 537,345 | 537,165 | 568,888 | ||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 509,357 | 515,068 | 569,737 | 564,372 | 627,610 | ||||||||||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | 734 | 722 | 834 | 917 | 993 | ||||||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | 8.80 | 99.5 | 161 | 147 | 216 | ||||||||||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | 18,684 | 20,027 | 25,238 | 23,910 | 25,149 | ||||||||||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | 20,519 | 20,089 | 26,760 | 25,121 | 27,745 |
Get all company financials in excel:
By Helgi Library - September 30, 2023
Sberbank Czech Republic made a net profit of CZK -330 mil under revenues of CZK 439 mil in the first quarter of 2022, down 2% and up 3.66% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time hig...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's retail deposits reached CZK 6,328 mil in 2022-03-31, down 80.5% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,281 bil in 2022-03-31, up 0.511% when compared to the last year. Sberbank Czech...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's retail deposits reached CZK 6,328 mil in 2022-03-31, down 80.5% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,281 bil in 2022-03-31, up 0.511% when compared to the last year. Sberbank Czech...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's corporate deposits reached CZK 14,716 mil in 2022-03-31, down 46.2% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,334 bil in 2022-03-31, up 1.94% when compared to the last year. Sberbank...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's corporate deposits reached CZK 14,716 mil in 2022-03-31, down 46.2% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,334 bil in 2022-03-31, up 1.94% when compared to the last year. Sberbank...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's retail loans reached CZK 35,543 mil in the first quarter of 2022, down 2.52% compared to the previous year. Czech banking sector provided retail loans of CZK 2,081 bil in 1Q2022, up 1.86% when compared to the last year. Sberbank ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's retail loans reached CZK 35,543 mil in the first quarter of 2022, down 2.52% compared to the previous year. Czech banking sector provided retail loans of CZK 2,081 bil in 1Q2022, up 1.86% when compared to the last year. Sberbank ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's loans reached CZK 58,850 mil in the first quarter of 2022, down from CZK 62,363 mil when compared to the previous quarter and down from CZK 62,197 mil when compared to the same period of last year. Historically, the bank’s ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's loans reached CZK 58,850 mil in the first quarter of 2022, down from CZK 62,363 mil when compared to the previous quarter and down from CZK 62,197 mil when compared to the same period of last year. Historically, the bank’s ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's cost to income ratio reached 106% in the first quarter of 2022, up from 60.8% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 106% of income in 1Q2022 and an all time low of 44.1% in...
Sberbank CZ (known as Volksbank until February 2013) has been operating on the Czech market since 1993. It is one of small Czech banks with a 1-2% market share in assets, loans and deposits. Through a network of 24 branches and nearly 700 employees, it serviced more than 30,000 clients at the end of 2012, the year when the operations have been taken over by the Russian owner. The bank seems to be fairly cost efficient given its relatively small size (with costs accounting for 53% of income in the last 5 years), though profitability remains low (average ROE of around 5% only) thanks mainly to high cost of risk. Expansion led by the new owner will be interesting to watch for in the near future, especially, in the area of retail banking where the bank plans to double size of its branch network and to gain a 5% market share
Sberbank Czech Republic has been growing its revenues and asset by 2.77% and 5.08% a year on average in the last 10 years. Its loans and deposits have grown by 3.80% and 8.62% a year during that time and loans to deposits ratio reached 84.5% at the end of 2021. The company achieved an average return on equity of 3.60% in the last decade with net profit growing -1.94% a year on average. In terms of operating efficiency, its cost to income ratio reached 73.7% in 2021, compared to 67.3% average in the last decade.
Equity represented 11.0% of total assets or 15.5% of loans at the end of 2021. Sberbank Czech Republic's non-performing loans were 2.64% of total loans while provisions covered some 118% of NPLs at the end of 2021.
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