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Home » Companies » Banking in Czechia » Stavebni Sporitelna Ceske Sporitelny

Stavebni Sporitelna Ceske Sporitelny

SSCS's mortgage loans rose 7.25% yoy to CZK 68,091 mil in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's mortgage loans reached CZK 68,091 mil in 2Q2024, up 2.74% compared to the previous year. ...

SSCS's customer loans rose 9.17% yoy to CZK 68,821 mil in 1Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's customer loans reached CZK 68,821 mil in 2024-03-31, up 2.11% compared to the previous year. ...

SSCS's net profit rose 57.0% yoy to CZK 361 mil in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny made a net profit of CZK 361 mil in the second quarter of 2024, up 57% when compared to the ...

Annual Quarterly LTM
Profit Statement 2021 2022 2023
Net Interest Income CZK mil 1,258 1,505 1,482
Net Fee Income CZK mil 222 261 263
Other Income CZK mil -13.0 276 -22.0
Total Revenues CZK mil 1,467 2,042 1,723
Staff Cost CZK mil 224 241 234
Operating Profit CZK mil 987 1,504 1,194
Provisions CZK mil -25.0 -1.00 49.0
Net Profit CZK mil 837 1,273 933
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 4,044 26.0 930
Customer Loans CZK mil 55,970 63,642 67,397
Investments CZK mil 13,328 6,914 4,748
Total Assets CZK mil 74,496 71,495 73,849
Shareholders' Equity CZK mil 6,996 8,188 9,195
Interbank Borrowing CZK mil 0 709 5,675
Customer Deposits CZK mil 66,936 61,985 58,474
Issued Debt Securities CZK mil 0 0 0
Ratios 2021 2022 2023
ROE % 12.6 16.8 10.7
ROA % 1.13 1.74 1.28
Costs (As % Of Assets) % 0.647 0.737 0.728
Costs (As % Of Income) % 32.7 26.3 30.7
Capital Adequacy Ratio % 26.6 28.4 30.1
Net Interest Margin % 1.70 2.06 2.04
Loans (As % Of Deposits) % 83.6 103 115
NPLs (As % Of Loans) % 1.21 1.01 1.10
Provisions (As % Of NPLs) % 90.5 98.3 89.5
Growth Rates 2021 2022 2023
Total Revenue Growth % 1.52 39.2 -15.6
Operating Cost Growth % -1.23 12.1 -1.67
Operating Profit Growth % 2.92 52.4 -20.6
Net Profit Growth % 11.6 52.1 -26.7
Customer Loan Growth % 12.8 13.7 5.90
Total Asset Growth % 0.861 -4.03 3.29
Customer Deposit Growth % -0.285 -7.40 -5.66
Shareholders' Equity Growth % 11.4 17.0 12.3
Employees 197 172 165

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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                                     899 1,048 1,267 1,202 1,258    
Total Revenues CZK mil                                     1,237 1,358 1,538 1,445 1,467    
Operating Profit CZK mil                                     777 884 1,028 959 987    
Net Profit CZK mil                                     680 860 978 750 837    
balance sheet                                                  
Interbank Loans CZK mil                                     4,559 0 14,981 7,971 4,044    
Customer Loans CZK mil                                     36,956 43,011 44,746 49,614 55,970    
Investments CZK mil                                     14,263 13,306 11,290 14,314 13,328    
Total Assets CZK mil                                     76,215 72,247 72,954 73,860 74,496    
                                                     
Shareholders' Equity CZK mil                                     5,083 5,342 5,520 6,282 6,996    
Interbank Borrowing CZK mil                                     4,400 0 0 0 0    
Customer Deposits CZK mil                                     65,408 62,542 66,931 67,127 66,936    
Issued Debt Securities CZK mil                                     0 0 0 0 0    
ratios                                                  
ROE % ...                                   13.6 16.5 18.0 12.7 12.6    
ROA % ...                                   0.857 1.16 1.35 1.02 1.13    
Costs (As % Of Assets) % ...                                   0.579 0.639 0.702 0.662 0.647    
Costs (As % Of Income) %                                     37.2 34.9 33.1 33.6 32.7    
Capital Adequacy Ratio % ... ... ... ... ...                           17.8 20.3 23.1 26.7 26.6    
Net Interest Margin % ...                                   1.13 1.41 1.74 1.64 1.70    
Interest Income (As % Of Revenues) %                                     72.7 77.2 82.4 83.2 85.8    
Fee Income (As % Of Revenues) %                                     26.4 22.3 18.3 17.6 15.1    
Staff Cost (As % Of Total Cost) %                                     38.7 40.3 41.9 46.9 46.7    
Equity (As % Of Assets) %                                     6.67 7.39 7.57 8.51 9.39    
Loans (As % Of Deposits) %                                     56.5 68.8 66.9 73.9 83.6    
Loans (As % Assets) %                                     48.5 59.5 61.3 67.2 75.1    
NPLs (As % Of Loans) %                                     2.03 1.64 1.58 1.41 1.21    
Provisions (As % Of NPLs) %                                     80.0 66.8 62.1 78.8 90.5    
valuation                                                  
Book Value Per Share Growth % ...                                   -3.67 16.6 20.8 -5.10 4.66    
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                                     1,942 1,984 2,121 1,998 2,001    
Interest Cost CZK mil                                     1,043 936 855 796 743    
Net Interest Income CZK mil                                     899 1,048 1,267 1,202 1,258    
Net Fee Income CZK mil                                     327 303 282 255 222    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 374 351 342    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 92.0 96.0 120    
Other Income CZK mil                                     11.1 6.46 -11.0 -12.0 -13.0    
Total Revenues CZK mil                                     1,237 1,358 1,538 1,445 1,467    
Staff Cost CZK mil                                     178 191 213 228 224    
Depreciation CZK mil                                     43.2 46.9 50.2 48.0 46.0    
Other Cost CZK mil                                     238 236 246 210 210    
Operating Cost CZK mil                                     460 474 510 486 480    
Operating Profit CZK mil                                     777 884 1,028 959 987    
Provisions CZK mil                                     -51.8 -161 -132 67.0 -25.0    
Extra and Other Cost CZK mil                                     0.109 0 0.336 0 0    
Pre-Tax Profit CZK mil                                     829 1,045 1,160 892 1,012    
Tax CZK mil                                     149 185 182 142 175    
Minorities CZK mil                                     0 0 0 0 0    
Net Profit CZK mil                                     680 860 978 750 837    
Net Profit Avail. to Common CZK mil                                     680 860 978 750 837    
Dividends CZK mil ... ... ...                               600 800 ... 0 2,300    
growth rates                                                  
Net Interest Income Growth % ...                                   -3.67 16.6 20.8 -5.10 4.66    
Net Fee Income Growth % ...                                   6.91 -7.35 -6.96 -9.57 -12.9    
Total Revenue Growth % ...                                   1.98 9.78 13.2 -6.02 1.52    
Operating Cost Growth % ...                                   8.41 3.17 7.46 -4.63 -1.23    
Operating Profit Growth % ...                                   -1.48 13.7 16.3 -6.72 2.92    
Pre-Tax Profit Growth % ...                                   17.8 26.0 11.0 -23.1 13.5    
Net Profit Growth % ...                                   16.1 26.4 13.7 -23.3 11.6    
market share                                                  
Market Share in Revenues %                                     0.690 0.713 0.761 0.801 0.796    
Market Share in Net Profit %                                     0.920 1.07 1.09 1.63 1.21    
Market Share in Employees %                                     0.434 0.454 0.450 0.484 0.496    
Market Share in Branches %                                     0.051 0.051 0.053 0.059 0.063    
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                                     19,232 2,545 1,475 1,498 623    
Interbank Loans CZK mil                                     4,559 0 14,981 7,971 4,044    
Customer Loans CZK mil                                     36,956 43,011 44,746 49,614 55,970    
Retail Loans CZK mil                                     35,560 39,583 43,367 48,151 55,036    
Mortgage Loans CZK mil                                     35,560 39,583 43,366 48,151 55,036    
Consumer Loans CZK mil                                     0 0 0 0 0    
Corporate Loans CZK mil                                     1,396 1,431 1,357 1,463 1,551    
Investments CZK mil                                     14,263 13,306 11,290 14,314 13,328    
Property and Equipment CZK mil                                     339 339 329 313 340    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     89.0 103 97.0 93.0 83.0    
Total Assets CZK mil                                     76,215 72,247 72,954 73,860 74,496    
                                                     
Shareholders' Equity CZK mil                                     5,083 5,342 5,520 6,282 6,996    
Of Which Minority Interest CZK mil                                     0 0 0 0 0    
Liabilities CZK mil                                     71,132 66,905 67,434 67,578 67,500    
Interbank Borrowing CZK mil                                     4,400 0 0 0 0    
Customer Deposits CZK mil                                     65,408 62,542 66,931 67,127 66,936    
Retail Deposits CZK mil                                     65,408 62,506 63,431 63,827 64,186    
Corporate Deposits CZK mil                                     0 35.1 3,500 3,300 14.7    
Issued Debt Securities CZK mil                                     0 0 0 0 0    
Other Liabilities CZK mil                                     1,324 4,363 503 451 564    
asset quality                                                  
Non-Performing Loans CZK mil                                     762 679 712 708 682    
Gross Loans CZK mil                                     37,564 41,467 45,188 50,172 56,587    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     22,151 20,755 18,825 19,904 22,636    
Total Provisions CZK mil                                     610 454 442 558 617    
growth rates                                                  
Customer Loan Growth % ...                                   4.74 16.4 4.03 10.9 12.8    
Retail Loan Growth % ...                                   15.0 11.3 9.56 11.0 14.3    
Mortgage Loan Growth % ...                                   15.0 11.3 9.56 11.0 14.3    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -67.9 2.47 -5.16 7.81 6.02    
Total Asset Growth % ...                                   -7.68 -5.21 0.980 1.24 0.861    
Shareholders' Equity Growth % ...                                   3.52 5.10 3.33 13.8 11.4    
Customer Deposit Growth % ...                                   -15.1 -4.38 7.02 0.293 -0.285    
Retail Deposit Growth % ...                                   -15.1 -4.44 1.48 0.624 0.562    
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 9,858 -5.71 -99.6   ...
market share                                                  
Market Share in Customer Loans %                                     1.20 1.30 1.30 1.38 1.45    
Market Share in Corporate Loans %                                     0.137 0.132 0.121 0.130 0.131    
Market Share in Retail Loans %                                     2.33 2.41 2.49 2.59 2.69    
Market Share in Consumer Loans %                                     0 0 0 0 0    
Market Share in Mortgage Loans %                                     3.10 3.18 3.26 3.35 3.45    
Market Share in Total Assets % ... ... ... ... ... ... ... ...                     1.09 0.993 0.965 0.927 0.874    
Market Share in Customer Deposits %                                     1.57 1.41 1.41 1.30 1.22    
Market Share in Retail Deposits %                                     2.76 2.44 2.33 2.09 1.97    
Market Share in Corporate Deposits %                                     0 0.003 0.320 0.271 0.001    
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 % ...                                   13.6 16.5 18.0 12.7 12.6    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   13.9 16.8 18.3 12.9 12.8    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   19.8 26.7 32.9 25.8 26.2    
ROA % ...                                   0.857 1.16 1.35 1.02 1.13    
Return on Loans %                                     1.88 2.15 2.23 1.59 1.59    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   3.39 4.12 5.19 4.95 4.64    
Costs (As % Of Assets) % ...                                   0.579 0.639 0.702 0.662 0.647    
Costs (As % Of Income) %                                     37.2 34.9 33.1 33.6 32.7    
Costs (As % Of Loans) % ...                                   1.27 1.19 1.16 1.03 0.909    
Costs (As % Of Loans & Deposits) % ...                                   0.428 0.456 0.469 0.426 0.401    
Capital Adequacy Ratio % ... ... ... ... ...                           17.8 20.3 23.1 26.7 26.6    
Tier 1 Ratio % ... ... ... ... ...                           17.7 20.1 23.1 26.7 26.3    
Net Interest Margin % ...                                   1.13 1.41 1.74 1.64 1.70    
Interest Spread % ...                                   1.04 1.32 1.65 1.54 1.60    
Asset Yield % ...                                   2.45 2.67 2.92 2.72 2.70    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   5.40 6.33 7.77 7.46 6.90    
Cost Of Liabilities % ...                                   1.40 1.36 1.27 1.18 1.10    
Payout Ratio % ... ... ...                               88.2 93.0 ... 0 275    
Interest Income (As % Of Revenues) %                                     72.7 77.2 82.4 83.2 85.8    
Fee Income (As % Of Revenues) %                                     26.4 22.3 18.3 17.6 15.1    
Other Income (As % Of Revenues) %                                     0.896 0.476 -0.715 -0.830 -0.886    
Staff Cost (As % Of Total Cost) %                                     38.7 40.3 41.9 46.9 46.7    
Equity (As % Of Assets) %                                     6.67 7.39 7.57 8.51 9.39    
Equity (As % Of Loans) %                                     13.8 12.4 12.3 12.7 12.5    
Loans (As % Of Deposits) %                                     56.5 68.8 66.9 73.9 83.6    
Loans (As % Assets) %                                     48.5 59.5 61.3 67.2 75.1    
NPLs (As % Of Loans) %                                     2.03 1.64 1.58 1.41 1.21    
Provisions (As % Of NPLs) %                                     80.0 66.8 62.1 78.8 90.5    
Provisions (As % Of Loans) %                                     1.65 1.05 0.988 1.12 1.10    
Cost of Provisions (As % Of Loans) % ...                                   -0.143 -0.403 -0.301 0.142 -0.047    
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                                     1.00 1.00 1.00 1.00 1.00    
Employees                                     182 190 187 197 197    
Employees Per Bank Branch                                     182 190 187 197 197    
Cost Per Employee USD per month                                     3,475 3,835 4,219 4,383 4,373    
Cost Per Employee (Local Currency) CZK per month                                     81,534 83,915 95,115 96,447 94,755    
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 ...                                   0.611 0.578 0.581 0.570 0.560    
Number of Accounts mil ...                               ... ... ... ... ... ... ... ... ...
Number of Primary Customers mil ... ...                             ... ... ... ... ... ... ... ... ...
Number of Mortgages mil ... ...                             ... ... ... ... ... ... ... ... ...
Average Size of Deposit CZK ...                               ... ... ... ... ... ... ... ... ...
Average Size of Mortgage Loan CZK ... ...                             ... ... ... ... ... ... ... ... ...
Accounts (As % of Total Clients) % ...                               ... ... ... ... ... ... ... ... ...
Primary (As % of Total Clients) % ... ...                             ... ... ... ... ... ... ... ... ...
Mortgages (As % of Total Clients) % ... ...                             ... ... ... ... ... ... ... ... ...
Revenue per Customer (Local Currency) CZK ...                                   2,026 2,348 2,646 2,535 2,620    
Net Profit per Customer (Local Currency) CZK ...                                   1,114 1,487 1,683 1,316 1,495    
Loan per Customer (Local Currency) CZK ...                                   60,532 74,367 76,987 87,042 99,946    
Deposit per Customer (Local Currency) CZK ...                                   107,136 108,136 115,158 117,767 119,529    
Revenue per Customer USD ...                                   86.3 107 117 115 121    
Net Profit per Customer USD ...                                   47.5 68.0 74.6 59.8 69.0    
Loan per Customer USD ...                                   2,843 3,310 3,403 4,070 4,553    
Deposit per Customer USD ...                                   5,032 4,813 5,091 5,506 5,445    

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SSCS's net profit rose 57.0% yoy to CZK 361 mil in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny made a net profit of CZK 361 mil under revenues of CZK 487 mil in the second quarter of 2024, up 57% and 10% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high...

SSCS's npls (as % of loans) rose 3.79% yoy to 1.03% in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's non-performing loans reached 1.03% of total loans at the end of 2024-06-30, up from 0.995% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.91% in 2014-03-31 and an all time low of 0.834% ...

Stavebni Sporitelna Ceske Sporitelny - Market Share in Retail Loans

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's retail loans reached CZK 66,278 mil in the first quarter of 2024, up 0.121% compared to the previous year. Czech banking sector provided retail loans of CZK 2,263 bil in 1Q2024, up 0.927% when compared to the last year. ...

SSCS's net interest margin rose 8.65% yoy to 2.18% in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's net interest margin amounted to 2.18% in the second quarter of 2024, up from 2.07% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.33% in 4Q2008 and an a...

Stavebni Sporitelna Ceske Sporitelny - Market Share in Bank Deposits

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's customer deposits reached CZK 57,584 mil in 2024-03-31, down 1.52% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,196 bil in 2024-03-31, up 7.39% when compared to the last year. ...

SSCS's employees fell 8.11% yoy to 170 in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny employed 170 persons in 2024-06-30, down 1.73% when compared to the previous year. Historically, the bank's workforce hit an all time high of 304 persons in 2003-12-31 and an all time low of 165 in 2023-12-31. Average cost reac...

SSCS's corporate loans rose 13.7% yoy to CZK 1,906 mil in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's loans reached CZK 71,299 mil in the second quarter of 2024, up from CZK 69,522 mil when compared to the previous quarter and up from CZK 65,828 mil when compared to the same period of last year. Historically, the...

SSCS's capital adequacy ratio fell 5.13% yoy to 29.6% in 2Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's capital adequacy ratio reached 29.6% at the end of second quarter of 2024, down from 32.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 32.4% in 1Q2024 and an all time low o...

Stavebni Sporitelna Ceske Sporitelny - Market Share in Retail Deposits

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny's retail deposits reached CZK 57,570 mil in 2024-03-31, down 1.55% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,733 bil in 2024-03-31, up 2.24% when compared to the last year. S...

SSCS's total revenues rose 5.61% yoy to CZK 459 mil in 1Q2024

By Helgi Library - September 10, 2024

Stavebni Sporitelna Ceske Sporitelny generated total banking revenues of CZK 459 mil in 2024-03-31, up 12.4% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,165 mil in 2024-03-31, up 2.08% when com...

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Stavební Spořitelna České Spořitelny is one of the five building savings banks operating in the Czech Republic. It's fully owned by Ceska Sporitelna, the largest retail bank in the country.

Finance

Stavebni Sporitelna Ceske Sporitelny 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 2023. 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 2023, compared to % average in the last three years.

Equity represented of total assets or of loans at the end of 2023. Stavebni Sporitelna Ceske Sporitelny's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2023.

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