Česká spořitelna, a.s.
About the company
Česká spořitelna is the largest bank in the Czech Republic and has long been one of the key partners of the Czech business community. With more than 200 years of history, the strong backing of the Erste Group, and an extensive network of experts across regions and sectors, we support companies at every stage of their development – from local projects to expansion into foreign markets.
Our corporate banking services are based on understanding the specific needs of our clients. We believe that a quality banking partnership is based on trust, expertise, and the ability to deliver solutions that give companies room to grow.
We place particular emphasis on supporting export-oriented companies. We help them not only with operational and investment financing, but also with export financing, hedging exchange rate risks, structuring business cases, and navigating foreign market conditions. Our product experts actively analyze the specifics of transactions and their customers with clients, help identify key risks, and propose appropriate ways to minimize them. We help companies navigate foreign market conditions and often accompany them in negotiations with their foreign partners. Thanks to close cooperation with institutions such as EGAP, export credit agencies (ECAs), development finance institutions (DFIs), the European Investment Bank (EIB), private credit insurance companies, and other institutions, we are able to offer comprehensive advisory services that make it easier for companies to enter new markets and develop their existing export activities.
In order to support cross-border trade not only for Česká spořitelna clients, but for the entire Erste Group, we have created a specialized competence center within the group.
This ensures the coordination and development of export consulting in all Erste countries and enables the use of available tools outside the Czech Republic, including connecting clients, their plans, and financing or support institutions across regions.
In addition to traditional banking services, we also offer modern digital tools for corporate finance management, sustainability consulting, and green project financing. Our goal is to be a stable and competent partner for companies – not only in the area of finance, but also in finding new opportunities and strategies for the future.
Česká spořitelna also plays a key role in retail banking. We serve more than 4 million clients, making us the largest bank in the country. This broad client base allows us to create strong links between citizens, businesses, and the public sector – and thus contribute to the overall stability and development of the Czech economy.
Focus Areas
Additional Specializations
Financing of business activities Česká spořitelna offers a wide range of solutions for financing business operations that help companies to effectively manage cash flow, minimise risks and strengthen relationships with business partners. Key tools include: - Operational financing - financing inventories, receivables or seasonal fluctuations in cash flow. - Contract financing - Financing the costs of implementing a business contract (in the case of an export contract, this is known as pre-export financing). - Purchase of receivables - The assignment of receivables to a bank for consideration before their due date. - Promissory note program - An alternative to credit financing. - Bank Guarantees and Letters of Credit - Securing commercial obligations to partners at home and abroad. Project financing We finance complex investment projects with long-term and stable cash flow, where repayment is based on the economic performance of the project itself. Typically, these are infrastructure constructions, energy resources, production facilities or public service projects (implemented in the form of PPPs). We pay special attention to projects that contribute to sustainable development, energy transformation, strengthening security and technological resilience as well as local self-sufficiency. Export finance and consultancy We provide companies with international ambitions with comprehensive support in exporting goods and services. Our services include: - Export and import buyer credits - Credit granted most often in connection with the exporter's export to a foreign trading partner under an export contract. Construction and supply financing, with the buyer typically repaying after commissioning. The beneficiary of the loan is usually the buyer or its bank. Elimination of many of the risks associated with export by the buyer through appropriate collateral (insurance, guarantee, etc.). - Credit for investments abroad - Medium to long-term credit resources for making own investments abroad. Suitable for building a new plant abroad or buying a foreign company. Possibility to finance also working capital to start production. - Exchange rate and credit risk hedging - Help with protection against exchange rate fluctuations and risks of non-payment by foreign customers. - Cooperation with export institutions - use of EGAP, ECA (export credit insurance), DFI or EIB (favourable credit programmes). - Advice on entering new markets - support in risk analysis, setting business terms and conditions and selection of suitable financing. Our aim is to support companies not only in their day-to-day operations, but also in the implementation of ambitious plans in foreign markets. Thanks to our connection with the Erste Group, we have access to an international network and know-how that helps Czech companies succeed abroad.
Company Address
Česká spořitelna, a.s.
Olbrachtova 1929/62
140 00 Praha 4
ID: 45244782