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Absolute Loan Growth in Czechia by Bank

Quarterly change in Customer Loans (CZK mil), 2Q2022
Banking | Czechia | November 22, 2022
$1.99
Excel Sheet

Loans increased by 0.834% qoq to CZK 3,958 bil during the second quarter of 2022. This implies an annual growth rate of 6.93% in the last 12 months. In the last decade, bank loans have grown by 5.38% a year on average.

Mortgage loans grew 8.80% yoy in the last 12 months and were up 0.673% qoq in the last quarter. At the end of June, mortgages formed 41.4% of total loans. Consumer loans increased 0.846% qoq (up 6.44% yoy) and represented 11.7% of total bank loans while corporate loans fell 0.112% qoq and were up 7.71% yoy to CZK 1,221 bil (or 30.8% of loans).

The comparison of 18 Czech banks shows Raiffeisen Stavebni Sporitelna has grown the fastest in relative terms within the last quarter (19.5%% qoq), followed by Trinity Bank and Banka Creditas. In absolute terms, however, Ceska Sporitelna grabbed the largest piece of the pie when compared to the previous quarter (CZK 24,835 mil or 75.9% of the market net increase) followed by CSOB and Komercni Banka.

Change in Customer Loans (absolute) Unit Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Komercni Banka CZK mil -425 13,283 16,997 14,776 13,913
UniCredit Bank Czecho-Slovakia CZK mil 35,969 -19,584 7,991 -13,575 7,067
CSOB CZK mil 70,648 -57,188 7,910 43,518 38,040
Ceska Sporitelna CZK mil 12,099 25,532 18,323 16,471 18,675
Max banka CZK mil 262 -249 814 -285 -959
Raiffeisenbank Czech Republic CZK mil -982 3,037 12,322 3,960 70,431
MONETA Money Bank CZK mil 6,253 7,005 8,242 8,040 1,998
Fio banka CZK mil ... ... ... 4,204 2,944 1,707 2,454 485
CSOB Stavebni Sporitelna CZK mil -5,386 1,314 1,040 356 616
Modra Pyramida Stavebni Sporitelna CZK mil 2,834 2,493 3,501 3,782 2,923
Raiffeisen Stavebni Sporitelna CZK mil 1,184 132 2,987 3,014 -7,115
Stavebni Sporitelna Ceske Sporitelny CZK mil 557 1,957 1,752 2,090 1,850
Moneta Stavebni Sporitelna CZK mil -63.6 -574 -111 147 -67.1
Hypotecni Banka CZK mil 7,330 4,550 5,473 10,108 7,073
Air Bank CZK mil ... ... ... ... ... ... 2,223 2,897 4,449 -849 3,803
Banka Creditas CZK mil -1,686 4,854 2,339 1,647 2,107
Trinity Bank CZK mil 452 1,268 269 269 1,319
mBank Czech Republic CZK mil 2,904 2,987 1,293 262 676
AVERAGE CZK mil 755 1,169 1,594 809 2,576 2,596 2,705 112 1,800 1,139 1,307 -3,218 105 1,390 7,442 293 1,747 672 3,944 1,616 2,336 2,869 2,093 4,210 3,682 4,282 1,451 4,041 3,207 5,434 2,847 1,393 4,968 262 275 3,219 8,863 3,291 1,867 6,886 6,698 1,204 7,135 7,688 -186 5,405 5,344 9,046 7,021 6,749

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