About the ČSOB Group

ČSOB is a wholly-owned subsidiary of KBC Bank NV, whose shares are held (directly or indirectly) by KBC Group NV. Both companies are domiciled in Brussels, Belgium.

Československá obchodní banka, a. s. (ČSOB), is a universal bank in the Czech Republic. ČSOB was established by the State in 1964 as a bank for providing services in the field of foreign trade financing and convertible currency operations in the then Czechoslovak market. It was privatised in 1999 – KBC Bank, which is a 100% subsidiary of an integrated bank-insurance group KBC Group, became the majority shareholder (since 2007 the sole shareholder). In June 2000, ČSOB took over the bank Investiční a poštovní banka (IPB). Until the end of 2007, ČSOB was active in the Czech and Slovak markets; the Slovak branch of ČSOB was transformed into an independent legal entity on 1 January 2008. Effective as of 1 January 2013, KBC Group has organized its core markets activities into three business units – Belgium, Czech Republic (includes all KBC business activities in the Czech Republic) and International Markets.

ČSOB provides its services to all groups of clients, i.e. retail (individuals) as well as SME, corporate and institutional clients. In retail banking in the Czech Republic , ČSOB is operating under main recognized brands – ČSOB (branches) and ČSOB Poštovní spořitelna (Postal Savings Bank; branches and outlets of the Czech Post network).

ČSOB Poštovní spořitelna

ČSOB offers to its clients a wide range of banking products and services, including the products and services of the entire ČSOB group.

The ČSOB group consists of the Bank (ČSOB) and entities related with the Bank. ČSOB’s financial group includes strategic companies in the Czech Republic controlled directly or indirectly by ČSOB, or KBC, which offer financial services, namely Hypoteční banka, ČSOB Pojišťovna, ČSOB Stavební spořitelna, ČSOB Penzijní společnost, ČSOB Leasing, ČSOB Factoring and Patria Finance.

The product portfolio of the ČSOB group (the Business Unit Czech Republic) includes next to standard banking services:

  • financing housing needs (mortgages and building savings loans),
  • insurance products,
  • pension funds,
  • collective investment products and asset management,
  • specialized services (leasing and factoring),
  • services related to trading equities on financial markets.

The ČSOB group builds a strong, long-term partnership with each of its clients, whether in personal and family finance, financing SME or corporate finance. The ČSOB group is a good listener who offers them the best solutions rather than mere products.

General Information

Business name Československá obchodní banka, a. s.
Registered office Radlická 333/150, Praha 5, Postal Code 150 57, Czech Republic
Legal form Joint-stock company
Registration Registered in the Commercial Registry of the City Court in Prague, Section B XXXVI, Entry 46 and further registered in the unified register of regulated entities maintained by the Czech National Bank, included in the list of regulated and registered financial market entities at www.cnb.cz
Registered capital CZK 5,855,000,040 (paid up 100 %)
Business activities Bank
ID No. 00001350
Tax registr. No. CZ699000761 (for VAT)
CZ00001350 (for other taxes)
Bank code 0300
SWIFT CEKOCZPP
Data box 8qvdk3s
Supervisory body Czech National Bank (CNB), Na Příkopě 28, Praha 1, Postal Code 115 03, Czech Republic

ČSOB in Figures

ČSOB in figures

ČSOB in figures 31. 12. 2022 31. 12. 2023
ČSOB group employees (FTEs)1) 8,105 8,035
ČSOBgroup’s clients (mil.) 4.340 4.309
ČSOB branches (bank)2) 201 198
PSB – outlets of the Czech Post network cca 2,400 cca 2,100
ATMs (the Bank)3) 1,022 1,020

1) Excluding employees of the joint venture and associated companies.
2) ČSOB branches include Retail/SME, Private Banking and corporate branches.
3) Including ATMs of partner banks.

Key indicators of ČSOB group

Key indicators of ČSOB group 31. 12. 2022 31. 12. 2023
Balance sheet total (billion CZK) 1,805.6 1,869.0
Net profit (billion CZK) 14.6 15.4
Loan portfolio (billion CZK) 873.8 916.3
Deposit volume (billion CZK) 1,231.8 1,336.6
Assets under management (billion CZK) 308.0 365.2
Cost / income ratio 54.3 % 54.7 %
Tier 1 Capital Ratio 19.8 % 19.7 %

Rating ČSOB

Ratings Moody’s S&P
ČSOB KBC Bank ČSOB KBC Bank
Long-term A1 A1 A+ A+
Short-term Prime-1 Prime-1 A-1 A-1

Rating definitions and descriptions of rating methodologies can be found on the web sites of Moody´s and S&P.

Our approach – We Are Here to Help

We believe that helping people is invaluable. We are always happy when we manage to surprise not only our clients but also our colleagues and the general public with even the smallest gestures.

We try to give our clients freedom to choose how they interact with our bank – whether through digital solutions or by visiting our branch in person. As we embrace technological innovation and enhance the client experience, our clients have the flexibility to select the option that best suits their current needs. We believe that even the smallest acts of kindness can brighten everyone's day. Furthermore, we are committed to co-creating a better future for the environment. We strive for a responsible approach in all our business activities and always try to find the optimal solution at the right time.

ČSOB Group

List of members of ČSOB Group:

Company Address ID
Československá obchodní banka, a. s. (ČSOB) Radlická 333/150, 150 57 Praha 5 00001350
ČSOB Advisory, a. s. Radlická 333/150, 150 57 Praha 5 27081907
ČSOB Factoring, a. s. Výmolova 353/3, 150 00 Praha 5 45794278
ČSOB Hypoteční banka, a. s. Radlická 333/150, 150 57 Praha 5 13584324
ČSOB Leasing, a. s. Výmolova 353/3, 150 00 Praha 5 63998980
ČSOB Penzijní společnost, a. s., člen skupiny ČSOB Radlická 333/150, 150 57 Praha 5 61859265
ČSOB Pojišťovací makléř, s. r. o. Výmolova 353/3, 150 00 Praha 5 27151221
ČSOB Pojišťovací servis, s. r. o., člen holdingu ČSOB Masarykovo náměstí 1458, Zelené Předměstí, 530 02 Pardubice 27479714
ČSOB Pojišťovna, a. s., člen holdingu ČSOB Masarykovo náměstí 1458, Zelené Předměstí, 530 02 Pardubice 45534306
ČSOB Stavební spořitelna, a. s. Radlická 333/150, 150 57 Praha 5 49241397
Bankovní informační technologie, s.r.o. Radlická 333/150, 150 57 Praha 5 63987686
Igluu s.r.o. Radlická 333/150, 150 57 Praha 5 09763465
K&H Payment Services Kft Lechner Ödön fasor 9, Budapešť
Ownest, s.r.o. Příčná 1892/4, Nové Město, 110 00 Praha 1 14029294
Pardubická Rozvojová, a.s. Pardubice, Zelené předměstí, Masarykovo náměstí 1458 05815614
Patria Corporate Finance, a. s. Výmolova 353/3, Radlice, 150 00 Praha 5 25671413
Patria Finance, a. s. Výmolova 353/3, Radlice, 150 00 Praha 5 26455064
Patria Investiční společnost, a. s. Výmolova 353/3, Radlice, 150 00 Praha 5 05154197
Radlice Rozvojová, a.s. Praha 5, Výmolova 353/3 02451221
Skip Pay s.r.o. Výmolova 353/3, 150 00 Praha 5 – Radlice 07093331
Ušetřeno s.r.o. Lomnického 1742/2a, 140 00 Praha 4 27388239
Ušetřeno.cz s.r.o. Lomnického 1742/2a, 140 00 Praha 4 24684295

Except for above listed companies, ČSOB Asset Management, a.s., investiční společnost, KBC Asset Management, ČSOB branch and Greenometer s.r.o operate in the Czech Republic. Although they are not part of ČSOB Group, their products and services are distributed by ČSOB Group‘s network.

Contact information for the media at the various companies.

ČSOB Holding