Ceska Sporitelna

Česká spořitelna, a.s. is one of the biggest banks in the country with over 5.2 million customers. It is a number one in consumer loans, deposits and in number of branches and ATMs in Czech Republic. The Bank is also one of the leading securities dealers on the Czech capital market. The company provides a comprehensive range of financial products and banking services for retail and business customers. It offers current and savings accounts, consumer and corporate loans, cash loans, mortgage loans, American mortgage (a specific loan secured by a lien on a real estate), credit and debit cards, investments, online banking, phone and mobile banking,GSM banking, leasing, factoring, funds management, foreign exchange services as well as travel insurance, card and personal belongings insurance and other services. Since year 2000, Ceska sporitelna has been a member of Erste Group, one of the leading financial institutions in Central and Eastern Europe with 17.5 million clients in eight countries. In the latest ranking of banks released by the Global Finance, Ceska Sporitelna was placed at the top of the list of the safest banks in Central and Eastern Europe. In its exclusive survey, Global Finance looked at 500 banks worldwide, evaluating them based on their long-term credit ratings from Moody´s, Standard & Poor’s and Fitch with a focus on capital adequacy ratios and total assets. Ceska Sporitelna also received the prestigious award “Bank of the Year for the Czech Republic” (2012) in the international competition of the prestigious magazine The Banker. It also won the Euromoney Best Bank in the Czech Republic Award 2012. Ceska Sporitelna has about 700 branches, 1,480 ATMs and transaction terminals and 3.178 million active payment cards. The network also includes 19 Mortgage Centers, 16 Regional Corporate Centres for SME clients and 14 Regional Centers for Erste Private Banking clients. Ceska Sporitelna was established in 1825 and is the first savings bank in the country. At December 31, 2012, it had total assets of CZK 920.4 billion (US$48.5 billion), net loans of CZK 470.859 billion (US$24.8 billion), customer deposits of CZK 704.532 billion (US$37.2 billion), and shareholders' equity of CZK 93.190 billion (US$4.9 billion).

 Credit Ratings (April 20, 2013)

Rating Agency Long-Term Short-Term Outlook
Fitch A F1 Stable
Moody's Investors A2 P-1 Negative
Standard & Poor's A A1 Negative

Head Office address:
Česká spořitelna, a. s.
Olbrachtova 1929/62
140 00 Prague 4
Phone number: + 420 956 711 111
Fax: + 420 224 641 511
Reuters: SPOPsp.PR
Website: www.csas.cz