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07.05.2015 07:30

Ceska Sporitelna: Consolidated Net profit (IFRS) for the first quarter 2015 achieved CZK 3.7 bn. Operating result increased by 2.0% year-on-year to CZK 5.9 bn

In the first quarter 2015, Ceska sporitelna Group reported unaudited consolidated net profit of CZK 3.7 bn, according to International Financial Reporting Standards (IFRS). In a year-on-year comparison, this is a drop of 8.4% from CZK 4.0 bn. However, operating result increased by 2.0% to the amount of CZK 5.9 bn supported by one-off in Net trading and fair value result, for the first quarter 2014 amounted to CZK 5.8 bn. Financial results were supported by growth of loans to customers by 2.7% year-on-year to CZK 524.1 bn, in particular due to further rise in mortgages and corporate loans.

“I view our financial indicators as a success achieved in spite of the continuous trend of zero interest rates,  disinflation to deflation, tough competition and increasing European regulatory requirements. We will be facing just as difficult conditions through to the end of the year.” said Pavel Kysilka, Chairman of Ceska sporitelna’s Board of Directors.

In spite of the difficult market conditions, the bank is investing into new technologies and innovations. For owners of smartphones operating on the Android 4.0 and iOS systems, CS launched the MUJ STAV (My Status) mobile application that displays the balances of all of the client’s savings products in a fast, simple and safe way. The sale of Ceska sporitelna’s mortgage via the Facebook social network scored high not only with clients, but also with industry professionals. The Facebook mortgage concept was made a case study on Facebook’s global page and won first place in the Internet Effectiveness Awards 2014, in the category Banking, Insurance Business, and Finance. Ceska sporitelna also introduced a unique marketing concept, the animated Palecek family, who experience the joys and concerns of a typical Czech family.

“Yet we never forget why we have been around for 190 years, or about the things that have always meant a lot to us – the socially responsible activities of both the bank as a whole and its branches in the regions and municipalities, and of our employees. Through our Foundation, we have introduced a new award, the Floccus Award, for organisations and individuals helping people on the fringe of society. Aside from a symbolic acknowledgement and a thank you in the form of a statuette by leading Czech glassmakers, the winners also received financial support for their commendable work for others,” added Pavel Kysilka.


Consolidated, preliminary, unaudited figures, as of 31st March 2015, according to International Financial Reporting Standards (IFRS). Comparisons are made with the results as of 31st March 2014, unless otherwise specified:

  • Net profit decreased by 8.4% to CZK 3.7 bn from CZK 4.0 bn
  • Operating result increased by 2.0% to CZK 5.9 bn from CZK 5.8 bn
  • Net interest income declined by 4.2% to CZK 6.4 bn from CZK 6.7 bn
  • Operating expenses declined by 2.2% to CZK 4.4 bn from CZK 4.5 bn
  • Total assets increased by 1.2% to CZK 924.9 bn from CZK 913.9 bn
  • Loans and receivables to customers (gross) went up by 2.7% to CZK 524.1 bn from CZK 510.2 bn
  • Deposits from customers increased by 1.1% to CZK 686.3 bn from CZK 678.5 bn
  • Net interest margin related to average interest-bearing assets decreased to 3.32% from3.56%
  • Return on equity (ROE) decreased to 13.3% from 15.5%
  • Cost/income ratio improved to 42.8% from 43.8%
  • Loan to deposit ratio increased to 73.7% from 72.4%
  • Group Core Tier I ratio as of 31 March 2015 reached strong 19.5%

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