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27.02.2015 07:30

Ceska sporitelna: Slight Increase in Operating Result Supported by Loan Growth and Improved Efficiency, Net Profit Exceeded CZK 15 bn

As at 31 December 2014, Ceska sporitelna reported preliminary, unaudited consolidated net profit of CZK 15.07 bn, according to International Financial Reporting Standards (IFRS). In a year-on-year comparison, this is a drop of 3.3% from 15.59 bn. The operating result, which is an indicator of success in business in a given year, was up slightly, at CZK 22.91 bn; in 2013, it amounted to CZK 22.87 bn. The business results were supported by a year-on-year growth of the client gross loan portfolio by 2.1% to CZK 518.19 bn and effective cost management.

“Last year, clients took full advantage of not only record-low interest rates on corporate loans and mortgages, but also of the innovations that we introduced. These included mortgage sales via Facebook, which was appreciated both by clients and experts, and which earned a gold medal in The Best Use of Digital Media category in the FLEMA Media Awards competition,” said Pavel Kysilka, Chairman of Ceska sporitelna’s Board of Directors.

The bank offered innovative solutions to both retail clients and companies. It was the first on the market to introduce a special mobile application for corporate clients, BUSINESS 24 Mobile bank, thanks to which they can manage their accounts through their smartphones. In August, the bank opened a new experimental branch in Pilsen, whose mission is to bring clients innovations in products, services, and advisory services.

“We are celebrating our 190th anniversary this year.  It is interesting that the idea on which Ceska sporitelna was built – to provide people, companies, and municipalities with solid, reliable support, care, advisory services and solutions in turbulent times – is as appealing and valid in the twenty-first century as in the past.  For its entire hundred and ninety years, Ceska sporitelna has been, as it will continue to be, a trustworthy guide for people and companies in all stages of their lives in a dramatically changing world,” added Pavel Kysilka.

Thanks to its 2014 profit in excess of CZK 15 bn, Ceska sporitelna was again one of the most important contributors to the government budget. Ceska sporitelna paid CZK 3.65 bn to the government in corporate income tax and another CZK 1.93 bn in social and health insurance for its employees.


Consolidated, preliminary, unaudited figures, as of 31 December 2014, according to International Financial Reporting Standards (IFRS). Comparisons are made with the results as of 31 December 2013, unless otherwise specified:

  • Operating Result was slightly up by 0.2% to CZK 22.91 bn; from CZK 22.87 bn  
  • Profit Before Tax decreased by 3.9% to CZK 18.72 bn from CZK 19.48 bn
  • Net Profit decreased by 3.3% to CZK 15.07 bn from CZK 15.59 bn
  • Net Interest Income declined by 2.1% to CZK 26.67 bn from CZK 27.25 bn
  • Operating Expenses declined by 2.7% to CZK 18.23 bn from CZK 18.74 bn
  • Total Assets went down by 6.8% to CZK 902.59 bn from CZK 968.72 bn (without impact of Transformovany fond CSPS, they decreased by 1.7%)
  • Gross Loans to Customers went up by 2.1%, to CZK 518.19 bn from CZK 507.47 bn
  • Customer Deposits decreased by 6.4% to CZK 680.44 bn from CZK 726.59 bn, withou impact of Transformovany fond CSPS increased by 0.5%, to CZK 680.44 bn from CZK 676.77 bn
  • Net Interest Margin related to average interest-bearing assets decreased slightly to 3.53% from 3.61%
  • Return on Equity (ROE) decreased to 14.5% from 16.2%
  • Return on Assets (ROA) increased to 1.7% from 1.6%
  • Cost/Income Ratio improved to 44.3% from 45.0%
  • Loan to Deposit Ratio grew to 73.5% from 67.3% (without impact of Transformovany fond CSPS at 72.3% in 2013)
  • Group Solvency Ratio (Tier I+II)  as at 31 December 2014 amounted to 18.5%


Full version of Press Release  [new window]

Presentation of results  [new window]

* A transformed pension fund – Transformovany fond penzijniho pripojisteni se statnim prispevkem Ceska sporitelna – penzijni spolecnost, a.s. (“Transformovany fond CSPS“) was deconsolidated from the consolidated Ceska sporitelna Groups at 31 March 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 Ceska sporitelna – penzijni spolecnost, a.s.

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