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 ...
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 ...
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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 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...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's mortgage loans reached CZK 26,500 mil in 1Q2022, down 0.455% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,627 in 1Q2022, up 2.00% when compared to the last year. Sberbank Czech Republic acc...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's non-performing loans reached 3.23% of total loans at the end of 2022-03-31, up from 2.89% compared to the previous year. Historically, the NPL ratio hit an all time high of 12.1% in 2011-03-31 and an all time low of 1.58% in 2019-12-31. ...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's consumer loans reached CZK 9,043 mil in 2022-03-31, down 8.12% compared to the previous year. Czech banking sector provided consumer loans of CZK 454 bil in 2022-03-31, up 1.35% when compared to the last year. Sberbank Czech Repu...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's net interest margin amounted to 2.18% in the first quarter of 2022, up from 2.12% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.35% in 3Q2007 and an all time low of...
By Helgi Library - September 30, 2023
Sberbank Czech Republic generated total banking revenues of CZK 439 mil in 2022-03-31, down 28.6% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 59,211 mil in 2022-03-31, up 14.8% when compared to th...
By Helgi Library - September 30, 2023
Sberbank Czech Republic's customer deposits reached CZK 28,554 mil in 2022-03-31, down 60.1% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,172 bil in 2022-03-31, up 12.2% when compared to the last year. Sberbank C...
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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