Group ČSOB’s net profit increased by 3% y/y to CZK 14bn in 2015. The loan portfolio increased by 6% to CZK 582bn. The result was supported by a continuing growth in mortgages, SME/corporate loans and leasing. The year 2015 was a record-breaking year in the history of ČSOB in terms of the volume of newly extended mortgages (CZK 51bn). The volume of deposits increased by 5% to CZK 700bn. Operating income totalled CZK 32.5bn. Operating costs reached CZK 15.7bn. The capital indicator Tier 1 increased by 1.8 percentage point to 19.1%.