By Helgi Library - November 21, 2023
Banka Creditas's customer deposits reached CZK 110,902 mil in 2023-06-30, up 5.69% compared to the previous year. Czech banking...
By Helgi Library - September 30, 2023
Banka Creditas generated total banking revenues of CZK 499 mil in 2023-06-30, up 1.77% compared to the previous year. Czec...
By Helgi Library - September 30, 2023
Banka Creditas's customer loans reached CZK 35,000 mil in 2023-06-30, up 9.38% compared to the previous year. Czech banking sec...
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By Helgi Library - November 21, 2023
Banka Creditas made a net profit of CZK 405 mil in the third quarter of 2023, down 72.1% when compared to the same period of last year. This implies a return on equity of 20.6%. Historically, the bank’s net profit reached an all time high of CZK 1,450 mil in 3Q20...
By Helgi Library - November 21, 2023
Banka Creditas made a net profit of CZK 405 mil under revenues of CZK 482 mil in the third quarter of 2023, down 72.1% and 1.53% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 1,450...
By Helgi Library - November 21, 2023
Banka Creditas's non-performing loans reached 4.53% of total loans at the end of 2023-09-30, down from 7.42% compared to the previous year. Historically, the NPL ratio hit an all time high of 36.9% in 2012-03-31 and an all time low of 1.40% in 2010-09-30. P...
By Helgi Library - September 30, 2023
Banka Creditas's retail loans reached CZK 10,000 mil in the second quarter of 2023, up 11.1% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Banka Creditas acco...
By Helgi Library - November 21, 2023
Banka Creditas employed 450 persons in 2023-09-30, down 4.26% when compared to the previous year. Historically, the bank's workforce hit an all time high of 470 persons in 2023-06-30 and an all time low of 10.0 in 2008-12-31. Average cost reached USD 4,749 per mon...
By Helgi Library - November 21, 2023
Banka Creditas's net interest margin amounted to 1.30% in the third quarter of 2023, down from 1.36% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 8.18% in 4Q2011 and an all time low of 0...
By Helgi Library - November 21, 2023
Banka Creditas's capital adequacy ratio reached 24.0% at the end of third quarter of 2023, down from 24.2% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 26.5% in 4Q2022 and an all time low of 10.4% in 1Q2014. ...
By Helgi Library - November 21, 2023
Banka Creditas generated total banking revenues of CZK 482 mil in the third quarter of 2023, down 1.53% when compared to the same period of last year and 3.49% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, ...
By Helgi Library - November 21, 2023
Banka Creditas's cost to income ratio reached 67.0% in the third quarter of 2023, down from 67.4% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 233% of income in 2Q2010 and an all time low of -1,085% in 3Q2...
By Helgi Library - November 21, 2023
Banka Creditas's customer loan growth reached 32.1% in 2023-09-30, up from 31.8% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 360% in 2011-03-31 and an all time low of -10.8% in 2015-06-30. In the last d...
Banka Creditas is a small-sized bank based in the Czech Republic. Before getting a banking license in 2016, Creditas operated as a savings institution Záložna Creditas, which was one of the largest credit unions in the country. From a small Company with regional operations, it transformed into the financial institution with nationwide operations. The Credit union is now Company with a branch network throughout the whole Czech Republic with a complete portfolio of products for both individuals and legal entities, including current accounts administration, savings, loan products, internet banking and MasterCard payment cards. It is member of the UNICAPITAL investment group.
Banka Creditas has been growing its revenues and asset by 21.3% and 33.1% a year on average in the last 10 years. Its loans and deposits have grown by 19.2% and 33.9% a year during that time and loans to deposits ratio reached 26.4% at the end of 2022. The company achieved an average return on equity of 3.32% in the last decade with net profit growing 36.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 63.8% in 2022, compared to 79.4% average in the last decade.
Equity represented 4.03% of total assets or 16.7% of loans at the end of 2022. Banka Creditas's non-performing loans were 5.66% of total loans while provisions covered some 34.3% of NPLs at the end of 2022.
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