On 8 November the
major Czech bank ČSOB (Československá obchodní banka, a. s.), which is 100%
owned by KBC Bank in Belgium, published consolidated, unaudited results for the
third quarter of 2012. Below are some
selected highlights. (All amounts are in millions of Czech koruny; 1 EUR =
25.4309 CZK at time of writing.)
Income Statement
|
|
Profit for the first
9 months of 2012 - reported (zisk za účetní období - vykázaný):*
|
11,522, up from 9,008 in 2012
|
*The company made headlines by pointing out that this amounts to an
increase of 29% y-o-y, but the company itself explained
that this increase is due to 2011 having been a rather poor year: “The high
growth of the net profit is a result of a low reference base in 9M 2011 which
was impacted by Greek bond exposure impairment.”
Balance Sheet
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|
Total assets (aktiva celkem):
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931,729, down from 935,078 on 30 June
|
Deposits received
from other than credit institutions (závazky k ostatním klientům):
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626,749, up from 621,741 on 30 June |
Ratios
|
|
Net interest margin (čistá
úroková marž) (3Q):
|
3.19%, down from 3.26%
|
Return on assets - reported
(výnosnost aktiv - vykázaný) (3Q):
|
1.64%, down from 1.68%
|
Return on equity - reported
(výnosnost vlastního kapitálu - vykázaný) (3Q):
|
23.6%, down from 24.9%
|
Capital adequacy ratio
(kapitálová přiměřenost - skupina):
|
14.6%, down from 15.1%
|
Core tier 1 capital ratio
(ukazatel kapitálu core tier 1):
|
12.5%, up from 11.8%
|
Loan to deposit ratio (poměr
úvěry / vklady):
|
76.0%, up from 75.1%
|
Non-performing loans (podíl
úvěru po splatnosti):
|
4.80%, down from 4.90%
|
Source: Prezentace
a tiskové zprávy ke konsolidovaným výsledkům - 3Q 2012 - Fact Sheet
(2012-11-08)
Mark Pleas
[contact]
