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Ceska Sporitelna

CS's mortgage loans rose 8.27% yoy to CZK 459,939 mil in 4Q2024

By Helgi Library - March 12, 2025

Ceska Sporitelna's mortgage loans reached CZK 459,939 mil in 4Q2024, up 2.62% compared to the previous year. Czech banking sect...

Ceska Sporitelna - Market Share in Bank Loans

By Helgi Library - March 12, 2025

Ceska Sporitelna's customer loans reached CZK 1,058,094 mil in 2024-09-30, up 2.58% compared to the previous year. Czech bankin...

CS's total revenues rose 23.8% yoy to CZK 14,642 mil in 3Q2024

By Helgi Library - March 12, 2025

Ceska Sporitelna generated total banking revenues of CZK 14,642 mil in 2024-09-30, up 8.15% compared to the previous year. ...

Annual Quarterly LTM
Profit Statement 2022 2023 2024
Net Interest Income CZK mil 36,719 34,583 39,811
Net Fee Income CZK mil 9,504 10,894 12,778
Other Income CZK mil 3,652 2,888 3,897
Total Revenues CZK mil 49,875 48,365 56,486
Staff Cost CZK mil 11,458 12,685 13,232
Operating Profit CZK mil 28,540 25,221 32,182
Provisions CZK mil 636 825 -261
Net Profit CZK mil 20,188 18,680 26,238
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 266,675 304,007 443,389
Customer Loans CZK mil 900,534 996,818 1,076,242
Investments CZK mil 407,579 426,191 440,520
Total Assets CZK mil 1,639,938 1,797,820 2,030,076
Shareholders' Equity CZK mil 137,711 144,501 154,766
Interbank Borrowing CZK mil 113,541 122,287 275,456
Customer Deposits CZK mil 1,225,464 1,352,755 1,481,865
Issued Debt Securities CZK mil 76,657 121,451 81,509
Ratios 2022 2023 2024
ROE % 14.4 13.2 17.5
ROA % 1.23 1.09 1.37
Costs (As % Of Assets) % 1.30 1.35 1.27
Costs (As % Of Income) % 42.8 47.9 43.0
Capital Adequacy Ratio % 20.2 19.6 18.6
Net Interest Margin % 2.24 2.01 2.08
Loans (As % Of Deposits) % 73.5 73.7 72.6
NPLs (As % Of Loans) % 1.90 1.80 1.80
Provisions (As % Of NPLs) % 117 111 102
Growth Rates 2022 2023 2024
Total Revenue Growth % 17.8 -3.03 16.8
Operating Cost Growth % 4.59 8.48 5.01
Operating Profit Growth % 30.0 -11.6 27.6
Net Profit Growth % 42.1 -7.47 40.5
Customer Loan Growth % 9.58 10.7 7.97
Total Asset Growth % -0.110 9.63 12.9
Customer Deposit Growth % 4.39 10.4 9.54
Shareholders' Equity Growth % -3.83 4.93 7.10
Employees 10,010 9,829 9,674

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summary Unit 1998 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 2024
income statement                                                      
Net Interest Income CZK mil ... ...                                     27,821 30,261 29,099 31,083 36,719    
Total Revenues CZK mil ... ...                                     39,088 41,899 40,147 42,354 49,875    
Operating Profit CZK mil ... ...                                     20,761 22,547 21,037 21,956 28,540    
Net Profit CZK mil ... ...                                     15,362 17,743 10,006 14,208 20,188    
balance sheet                                                      
Interbank Loans CZK mil ... ... ... ...                                 389,844 411,650 424,838 364,994 266,675    
Customer Loans CZK mil ... ...                                     685,639 720,739 749,415 821,840 900,534    
Investments CZK mil ... ... ... ...                                 256,942 253,309 286,920 374,718 407,579    
Total Assets CZK mil ... ...                                     1,426,465 1,458,650 1,537,780 1,641,741 1,639,938    
                                                         
Shareholders' Equity CZK mil ... ...                                     122,657 137,339 149,346 143,196 137,711    
Interbank Borrowing CZK mil ... ... ... ...                                 318,861 292,111 91,335 49,695 113,541    
Customer Deposits CZK mil ... ...                                     952,506 993,257 1,096,666 1,173,890 1,225,464    
Issued Debt Securities CZK mil ... ...                                     8,564 9,621 169,498 213,357 76,657    
ratios                                                      
ROE % ... ... ...                                   12.6 13.6 6.98 9.71 14.4    
ROA % ... ... ...                                   1.11 1.23 0.668 0.894 1.23    
Costs (As % Of Assets) % ... ... ...                                   1.33 1.34 1.28 1.28 1.30    
Costs (As % Of Income) % ... ...                                     46.9 46.2 47.6 48.2 42.8    
Capital Adequacy Ratio % ... ...                                     19.2 22.0 25.6 23.8 20.2    
Net Interest Margin % ... ... ...                                   2.02 2.10 1.94 1.96 2.24    
Interest Income (As % Of Revenues) % ... ...                                     71.2 72.2 72.5 73.4 73.6    
Fee Income (As % Of Revenues) % ... ...                                     21.8 20.5 20.5 21.7 19.1    
Staff Cost (As % Of Total Cost) % ... ...                                     52.1 52.5 51.8 54.0 53.7    
Equity (As % Of Assets) % ... ...                                     8.60 9.42 9.71 8.72 8.40    
Loans (As % Of Deposits) % ... ...                                     72.0 72.6 68.3 70.0 73.5    
Loans (As % Assets) % ... ...                                     48.1 49.4 48.7 50.1 54.9    
NPLs (As % Of Loans) % ... ...                                     1.80 1.80 2.20 2.10 1.90    
Provisions (As % Of NPLs) % ... ...                                     99.2 96.0 115 114 117    
valuation                                                      
Book Value Per Share Growth % ... ... ...                                   9.75 8.77 -3.84 6.82 18.1    
income statement Unit 1998 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 2024
income statement                                                      
Interest Income CZK mil ... ...                                     35,006 41,890 37,534 37,060 77,445    
Interest Cost CZK mil ... ...                                     7,185 11,629 8,435 5,977 40,726    
Net Interest Income CZK mil ... ...                                     27,821 30,261 29,099 31,083 36,719    
Net Fee Income CZK mil ... ...                                     8,540 8,591 8,243 9,186 9,504    
Other Income CZK mil ... ...                                     2,727 3,047 2,805 2,085 3,652    
Total Revenues CZK mil ... ...                                     39,088 41,899 40,147 42,354 49,875    
Staff Cost CZK mil ... ...                                     9,553 10,156 9,892 11,010 11,458    
Depreciation CZK mil ... ...                                     2,001 2,604 2,749 2,720 2,721    
Other Cost CZK mil ... ...                                     6,773 6,592 6,469 6,668 7,156    
Operating Cost CZK mil ... ...                                     18,327 19,352 19,110 20,398 21,335    
Operating Profit CZK mil ... ...                                     20,761 22,547 21,037 21,956 28,540    
Provisions CZK mil ... ...                                     -288 -160 7,930 1,780 636    
Extra and Other Cost CZK mil ... ...                                     1,886 709 612 1,947 3,523    
Pre-Tax Profit CZK mil ... ...                                     19,163 21,998 12,495 18,229 24,381    
Tax CZK mil ... ...                                     3,801 4,229 2,478 4,021 4,193    
Minorities CZK mil ... ...                                     0 26.0 11.0 27.0 27.0    
Net Profit CZK mil ... ...                                     15,362 17,743 10,006 14,208 20,188    
Net Profit Avail. to Common CZK mil ... ...                                     15,362 17,743 10,006 14,181 20,161    
Dividends CZK mil ... ... ...                                   ... ... ... ... ... ... ...
growth rates                                                      
Net Interest Income Growth % ... ... ...                                   9.75 8.77 -3.84 6.82 18.1    
Net Fee Income Growth % ... ... ...                                   -2.99 0.597 -4.05 11.4 3.46    
Total Revenue Growth % ... ... ...                                   5.00 7.19 -4.18 5.50 17.8    
Operating Cost Growth % ... ... ...                                   0.477 5.59 -1.25 6.74 4.59    
Operating Profit Growth % ... ... ...                                   9.34 8.60 -6.70 4.37 30.0    
Pre-Tax Profit Growth % ... ... ...                                   6.30 14.8 -43.2 45.9 33.7    
Net Profit Growth % ... ... ...                                   5.15 15.5 -43.6 42.0 42.1    
market share                                                      
Market Share in Revenues % ... ...                                     20.5 20.7 22.3 23.0 21.3   ...
Market Share in Net Profit % ... ...                                     19.2 19.8 21.7 20.6 20.0    
Market Share in Employees %                                         24.2 23.3 24.1 24.5 25.4   ...
Market Share in Bank Cards %                                         24.3 22.5 21.7 21.7 ... ... ...
Market Share in Debit Cards % ... ...                                     27.1 24.1 23.0 < 0.001 ... ... ...
Market Share in Credit Cards % ... ...                                     11.0 10.9 11.2 12.7 ... ... ...
Market Share in Branches %                                         25.6 25.4 26.1 25.1 26.1   ...
balance sheet Unit 1998 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 2024
balance sheet                                                      
Cash & Cash Equivalents CZK mil ... ... ... ...                                 63,914 40,526 38,075 37,472 21,870    
Interbank Loans CZK mil ... ... ... ...                                 389,844 411,650 424,838 364,994 266,675    
Customer Loans CZK mil ... ...                                     685,639 720,739 749,415 821,840 900,534    
Retail Loans CZK mil ... ...                                     383,500 410,400 438,700 549,402 590,969    
Mortgage Loans CZK mil ... ...                                     259,700 280,500 305,700 356,159 387,997    
Consumer Loans CZK mil ... ...                                     70,100 73,400 74,800 74,784 77,374    
Corporate Loans CZK mil ... ...                                     254,800 257,000 260,700 305,829 339,739    
Investments CZK mil ... ... ... ...                                 256,942 253,309 286,920 374,718 407,579    
Property and Equipment CZK mil ... ... ... ... ...                               9,396 12,543 12,735 12,201 12,031    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           5,247 5,801 6,083 6,301 6,417    
Total Assets CZK mil ... ...                                     1,426,465 1,458,650 1,537,780 1,641,741 1,639,938    
                                                         
Shareholders' Equity CZK mil ... ...                                     122,657 137,339 149,346 143,196 137,711    
Of Which Minority Interest CZK mil ... ...                                     184 210 221 452 479    
Liabilities CZK mil ... ...                                     1,303,808 1,321,311 1,388,434 1,498,545 1,502,227    
Interbank Borrowing CZK mil ... ... ... ...                                 318,861 292,111 91,335 49,695 113,541    
Customer Deposits CZK mil ... ...                                     952,506 993,257 1,096,666 1,173,890 1,225,464    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ...                       672,000 709,900 804,400 900,000 912,800    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ...                       218,600 219,500 232,900 212,400 261,800    
Issued Debt Securities CZK mil ... ...                                     8,564 9,621 169,498 213,357 76,657    
Other Liabilities CZK mil ... ... ... ...                                 23,877 26,322 30,935 61,604 86,565    
asset quality                                                      
Non-Performing Loans CZK mil ... ...                                     12,566 13,126 16,904 17,673 17,758    
Gross Loans CZK mil ... ...                                     698,104 729,200 768,855 841,550 934,657    
Risk-Weighted Assets CZK mil ... ... ... ...                                 533,900 544,500 536,100 558,400 604,700    
Total Provisions CZK mil ... ...                                     12,465 12,601 19,440 20,182 20,848    
growth rates                                                      
Customer Loan Growth % ... ... ...                                   7.35 5.12 3.98 9.66 9.58    
Retail Loan Growth % ... ... ...                                   9.76 7.01 6.90 25.2 7.57    
Mortgage Loan Growth % ... ... ...                                   11.3 8.01 8.98 16.5 8.94    
Consumer Loan Growth % ... ... ...                                   5.73 4.71 1.91 -0.021 3.46    
Corporate Loan Growth % ... ... ...                                   -0.439 0.863 1.44 17.3 11.1    
Total Asset Growth % ... ... ...                                   7.32 2.26 5.42 6.76 -0.110    
Shareholders' Equity Growth % ... ... ...                                   1.39 12.0 8.74 -4.12 -3.83    
Customer Deposit Growth % ... ... ...                                   7.84 4.28 10.4 7.04 4.39    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ...                     8.49 5.64 13.3 11.9 1.42    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ...                     8.49 0.412 6.10 -8.80 23.3    
market share                                                      
Market Share in Customer Loans % ... ...                                     20.7 20.9 20.8 21.4 22.1    
Market Share in Corporate Loans % ... ...                                     23.6 22.9 23.2 25.7 27.5    
Market Share in Retail Loans % ... ...                                     23.3 23.5 23.6 26.9 27.6    
Market Share in Consumer Loans % ... ...                                     17.7 17.7 17.7 16.7 16.5   ...
Market Share in Mortgage Loans % ... ...                                     20.8 21.1 21.3 22.3 23.2    
Market Share in Total Assets % ... ...                                     19.6 19.3 19.3 19.3 18.4   ...
Market Share in Customer Deposits % ... ...                                     21.4 21.0 21.2 21.3 20.9    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ...                       26.3 26.0 26.3 27.6 26.9    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...                       21.0 20.0 19.1 16.2 19.2    
ratios Unit 1998 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 2024
                                                       
ROE % ... ... ...                                   12.6 13.6 6.98 9.71 14.4    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         13.2 14.3 7.28 10.1 15.1    
ROE (@ 15% of RWA) % ... ... ... ... ...                               19.1 21.9 12.3 17.3 23.1    
ROA % ... ... ...                                   1.11 1.23 0.668 0.894 1.23    
Return on Loans % ... ...                                     2.32 2.52 1.36 1.81 2.34    
Operating Profit (As % of RWA) % ... ... ... ... ...                               3.88 4.18 3.89 4.01 4.91    
Costs (As % Of Assets) % ... ... ...                                   1.33 1.34 1.28 1.28 1.30    
Costs (As % Of Income) % ... ...                                     46.9 46.2 47.6 48.2 42.8    
Costs (As % Of Loans) % ... ... ...                                   2.77 2.75 2.60 2.60 2.48    
Costs (As % Of Loans & Deposits) % ... ... ...                                   1.16 1.15 1.07 1.06 1.04    
Capital Adequacy Ratio % ... ...                                     19.2 22.0 25.6 23.8 20.2    
Tier 1 Ratio % ... ...                                     18.4 21.4 25.1 23.3 19.7    
Net Interest Margin % ... ... ...                                   2.02 2.10 1.94 1.96 2.24    
Interest Spread % ... ... ...                                   1.97 2.02 1.88 1.92 2.01    
Asset Yield % ... ... ...                                   2.54 2.90 2.51 2.33 4.72    
Revenues (As % of RWA) % ... ... ... ... ...                               7.31 7.77 7.43 7.74 8.58    
Cost Of Liabilities % ... ... ...                                   0.572 0.886 0.623 0.414 2.71    
Payout Ratio % ... ... ...                                   ... ... ... ... ... ... ...
Interest Income (As % Of Revenues) % ... ...                                     71.2 72.2 72.5 73.4 73.6    
Fee Income (As % Of Revenues) % ... ...                                     21.8 20.5 20.5 21.7 19.1    
Other Income (As % Of Revenues) % ... ...                                     6.98 7.27 6.99 4.92 7.32    
Staff Cost (As % Of Total Cost) % ... ...                                     52.1 52.5 51.8 54.0 53.7    
Equity (As % Of Assets) % ... ...                                     8.60 9.42 9.71 8.72 8.40    
Equity (As % Of Loans) % ... ...                                     17.9 19.1 19.9 17.4 15.3    
Loans (As % Of Deposits) % ... ...                                     72.0 72.6 68.3 70.0 73.5    
Loans (As % Assets) % ... ...                                     48.1 49.4 48.7 50.1 54.9    
NPLs (As % Of Loans) % ... ...                                     1.80 1.80 2.20 2.10 1.90    
Provisions (As % Of NPLs) % ... ...                                     99.2 96.0 115 114 117    
Provisions (As % Of Loans) % ... ...                                     1.82 1.75 2.59 2.46 2.32    
Cost of Provisions (As % Of Loans) % ... ... ...                                   -0.043 -0.023 1.08 0.227 0.074    
other data Unit 1998 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 2024
                                                       
Branches                                         501 483 438 400 398    
ATMs ... ... ... ...                                 1,783 1,832 1,825 1,783 1,736    
ATMs (As % of Bank Branches) % ... ... ... ...                                 356 379 417 446 436    
Employees                                         10,115 9,678 9,820 9,711 10,010    
Employees Per Bank Branch                                         20.2 20.0 22.4 24.3 25.2    
Cost Per Employee USD per month ... ...                                     3,597 3,879 3,815 4,360 4,281    
Cost Per Employee (Local Currency) CZK per month ... ...                                     78,703 87,449 83,944 94,480 95,388    
customer breakdown Unit 1998 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 2024
                                                       
Customers mil ... ...                                     4.63 4.60 4.47 4.49 4.55    
Number of Primary Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   1.51 1.58 1.73 ... ... ... ...
Payment Cards mil                                         2.87 2.92 2.99 3.15 3.39    
Debit Cards mil ... ...                                     2.69 2.75 2.82 2.97 3.21    
Credit Cards mil ... ...                                     0.177 0.171 0.168 0.178 0.181    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           0.179 0.194 0.212 ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           1,451,000 1,444,000 1,444,000 ... ... ... ...
Primary (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   32.7 34.3 38.7 ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           3.86 4.23 4.73 ... ... ... ...
Payments Cards (As % of Total Clients) % ... ...                                     61.9 63.5 66.8 70.0 74.5    
Debit Cards (As % of Total Clients) % ... ...                                     58.0 59.8 63.1 66.1 70.5    
Credit Cards (As % of Total Clients) % ... ...                                     3.83 3.72 3.75 3.95 3.97    
Revenue per Customer (Local Currency) CZK ... ...                                     8,434 9,114 8,973 9,427 10,967    
Net Profit per Customer (Local Currency) CZK ... ...                                     3,315 3,860 2,236 3,162 4,439    
Loan per Customer (Local Currency) CZK ... ...                                     147,948 156,779 167,504 182,916 198,020    
Deposit per Customer (Local Currency) CZK ... ...                                     205,532 216,058 245,120 261,271 269,470    
Revenue per Customer USD ... ...                                     386 404 408 435 492    
Net Profit per Customer USD ... ...                                     152 171 102 146 199    
Loan per Customer USD ... ...                                     6,585 6,931 7,832 8,333 8,756    
Deposit per Customer USD ... ...                                     9,149 9,551 11,461 11,902 11,915    

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Ceska Sporitelna - Market Share in Bank Deposits

By Helgi Library - March 12, 2025

Ceska Sporitelna's customer deposits reached CZK 1,495,548 mil in 3Q2024, up 0.055% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,407 bil in 3Q2024, up 1.79% when compared to the last year. Ceska Sporitelna accoun...

CS's net profit rose 0.402% yoy to CZK 5,748 mil in 1Q2025

By Helgi Library - May 23, 2025

Ceska Sporitelna made a net profit of CZK 5,748 mil in the first quarter of 2025, up 0.402% when compared to the same period of last year. This implies a return on equity of 14.6%. Historically, the bank’s net profit reached an all time high of CZK 7,002 mil in 3...

CS's net profit rose 0.402% yoy to CZK 5,748 mil in 1Q2025

By Helgi Library - May 23, 2025

Ceska Sporitelna made a net profit of CZK 5,748 mil under revenues of CZK 14,186 mil in the first quarter of 2025, up 0.402% and 4.91% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK...

CS's branches fell 6.67% yoy to 336 in 1Q2025

By Helgi Library - May 23, 2025

Ceska Sporitelna employed 9,639 persons in 2025-03-31, down 0.359% compared to the previous year. Historically, the bank's workforce hit an all time high of 12,999 persons in 2002-12-31 and an all time low of 9,574 in 2024-06-30. The bank operated a network of...

CS's payment cards rose 6.44% yoy to 3.84 mil in 2Q2024

By Helgi Library - March 12, 2025

Ceska Sporitelna has issued total of 3.84 mil payment cards at the end of 2024-06-30, up 2.20% compared to the previous year. Czech banking sector banking sector issued total of 15.6 mil of bank cards in 2024-06-30, up 2.38% when compared to the last y...

Ceska Sporitelna - Market Share in Retail Loans

By Helgi Library - March 12, 2025

Ceska Sporitelna's retail loans reached CZK 680,172 mil in the third quarter of 2024, up 8.25% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Ceska Sporitelna ...

CS's net interest margin fell 1.32% yoy to 1.98% in 1Q2025

By Helgi Library - May 23, 2025

Ceska Sporitelna's net interest margin amounted to 1.98% in the first quarter of 2025, down from 2.04% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.77% in 4Q2008 and an all time low of ...

CS's employees rose 0.127% yoy to 9,639 in 1Q2025

By Helgi Library - May 23, 2025

Ceska Sporitelna employed 9,639 persons in 2025-03-31, down 0.359% when compared to the previous year. Historically, the bank's workforce hit an all time high of 13,588 persons in 2001-03-31 and an all time low of 9,574 in 2024-06-30. Average cost reached USD 4,70...

CS's corporate loans rose 6.51% yoy to CZK 414,300 mil in 1Q2025

By Helgi Library - May 23, 2025

Ceska Sporitelna's loans reached CZK 1,123,200 mil in the first quarter of 2025, up from CZK 1,111,292 mil when compared to the previous quarter and up from CZK 1,048,012 mil when compared to the same period of last year. Historically, the bank’s lo...

Ceska Sporitelna - Market Share in Retail Deposits

By Helgi Library - March 12, 2025

Ceska Sporitelna's retail deposits reached CZK 1,012,500 mil in 2024-09-30, up 1.34% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. Ceska Sporitelna acc...

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Česká Spořitelna is the largest retail bank in the Czech Republic. Through a network of almost 500 branches and 1,800 ATMs (2019), it serviced some 5 million retail clients in 2019. Following hefty loan losses and a government-orchestrated bailout at the end of the 1990s, the bank was sold to Austria's Erste Bank in 2000.

Finance

Ceska Sporitelna has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.

Equity represented of total assets or of loans at the end of 2024. Ceska Sporitelna's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.

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