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Ceska sporitelna: Stable Operating Result and Household and Corporate Demand for Loans Revives, Net Profit Down by 4.6% to CZK 7.78 bn

As at 30 June 2014, Ceska sporitelna reported an unaudited consolidated net profit of CZK 7.78 bn, according to International Financial Reporting Standards (IFRS). This is a year-on-year drop by 4.6%, from CZK 8.15 bn. The operating result remained stable, at CZK 11.47 bn (for H1 2013 it amounted to CZK 11.51 bn).

Ceska sporitelna maintains solid results and stable finances in the first half of the year. In the upcoming period, Ceska sporitelna is thanks to strong capital and liquidity position prepared to satisfy the increased demand for financing by households and corporations, arising from their increasing trust and positive expectations of the recovery of the Czech economy.

“Our data clearly show that the confidence is high among households and corporations alike. Our solid operating result was supported in particular by the increased client demand in mortgages. We helped this appetite to grow with our unique sales via Facebook. Also corporate financing worked well for the result. In July, we were the first bank on the market to introduce a special mobile application for corporations to manage their finances,” said Pavel Kysilka, Chairman of the Management Board of Ceska sporitelna.

The digitisation of banking is a trend on which Sporitelna plans to focus. In the first half of the year, it was the only bank on the market to enable its clients to pay money order slips and invoices through its ATMs using QR codes, and to offer corporate clients an on-line electronic auction of notes that ensures them access to cheaper money. It also launched the 3D Secure service, thanks to which it provides clients the greatest possible security in card payments on the Internet, and at the beginning of July a mobile application called Lístkomat – ticket dispenser, giving clients a convenient option for making an appointment at a branch.

“21st-century banks are digital. That is why we are so focused on that area. Every quarter, we will present a new mobile application for our clients that will make it easier for them to do their banking and save them time. I would like to thank all my colleagues for their good work in the first half and wish them plenty of energy and enthusiasm, that we may together provide the greatest possible utility to all our clients, the public, and the economy as a whole,” added Pavel Kysilka.


Consolidated, unaudited figures, as of 30 June 2014, according to International Financial Reporting Standards (IFRS). Comparisons are made with the results as of 30 June 2013, unless otherwise specified:

  • Operating Result remained stable at CZK 11.47 bn; in H1 2013, it amounted to CZK 11.51 bn 
  • Profit Before Tax decreased by 4.7% to CZK 9.70 bn from CZK 10.17 bn
  • Net Profit decreased by 4.6% to CZK 7.78 bn from CZK 8.15 bn
  • Net Interest Income declined by 2.7% to CZK 13.31 bn from CZK 13.68 bn
  • Operating Expenses declined by 4.4% to CZK 9.05 bn from CZK 9.46 bn
  • Total Assets went down by 6.0% to CZK 900.33 bn from CZK 958.18 bn (influenced by deconsolidation of Transformovany fond ČSPS)
  • Net Loans to Customers rose by 2.5% to CZK 489.48 bn from CZK 477.42 bn
  • Net retail loans were up by 3.7% to CZK 267.50 bn from CZK 257.94 bn.
  • Customer Deposits decreased by 2.6% to CZK 673.56 bn from CZK 691.55 bn
  • Net Interest Margin related to average interest-bearing assets decreased slightly to 3.55% from 3.60%
  • Return on Equity (ROE) decreased to 15.0% from 17.1%
  • Return on Assets (ROA) amounted to 1.7%, just as in the 1st half of 2013
  • Cost/Income Ratio improved year on year to 44.1% from 45.1%
  • Ratio of Client Loans to Client Deposits grew to 72.7% from 69.0%
  • Capital Adequacy (financial group) reached strong 18.7 % as of 30 June 2014 and continues to exceed the regulatory requirement


Full version of Press Release [new window]

Presentation of results [new window]

*A transformed pension fund – Transformovany fond penzijniho pripojisteni se statnim prispevkem Ceská sporitelna – penzijni spolecnost, a.s. (“Transformovany fond CSPS“) was deconsolidated from the consolidated Ceska sporitelna Groups at 1 January 2014. The fund includes funds from supplementary pension insurance with a government contribution in the III pillar.  The Transformovany fond ČSPS continues to be managed by the CS Financial Group through Česka sporitelna – penzijni spolecnost, a.s.
In line with Erste Group, CS changed the structure of income statement and balance sheet as a result of harmonization with FINREP reporting in order to align with EBA requirements for financial reporting (the historic net profit, equity or balance sheet totals are not influenced)

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