Banka Creditas's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.010% in the second quarter of 2019, down from 0.354% when compared to the previous quarter.
Historically, the bank’s cost of risk reached an all time high of 4.36% in 4Q2011 and an all time low of -1.78% in 2Q2010. The average cost of risk in the last six quarters amounted to 0.137%.
On the other hand, average asset yield was 3.39% in 2Q2019, up from 3.00% when compared to the same period last year. Cost of funding amounted to 1.33% in 2Q2019, up from 0.809%.
When compared to bank's main peers, Ceska Sporitelna operated in the second quarter of 2019 with a cost of risk of -0.018% CSOB reached 0.037% and Komercni Banka some -0.060%.
You can see all the bank’s data at Banka Creditas Profile, or you can download a report on the bank in the report section.
| Cost of Risk | Unit | Sep 2007 | Dec 2007 | Mar 2008 | Jun 2008 | Sep 2008 | Dec 2008 | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | 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 (E) | Dec 2019 (E) |
| Air Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.452% | 0.211% | 0.170% | 0.095% | -0.194% | ... | ... | |||||||||||||||||||||||||||
| Banka Creditas | % | ... | ... | -0.639% | 0.228% | 0.082% | 0.345% | -0.177% | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 0.151% | 0.227% | 0.045% | 0.064% | -0.397% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Ceskomoravska Stavebni Sporitelna | % | 0.164% | -0.092% | 0.020% | 0.339% | 0.230% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | 0.092% | 0.044% | 0.066% | 0.102% | 0.054% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Equa Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.343% | 0.505% | 0.564% | 0.492% | 0.608% | ... | ... | |||||||||||||||||||||||||
| Expobank Czech Republic | % | 0.784% | -0.080% | -0.073% | -0.130% | 0.097% | ... | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.260% | -0.186% | -0.131% | 0.446% | 0.558% | ... | ... | |||||||||||||||||||||||||||||
| Hypotecni Banka | % | -0.042% | -0.035% | -0.044% | -0.007% | -0.099% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Komercni Banka | % | -0.066% | -0.031% | -0.115% | -0.091% | 0.006% | |||||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | -0.099% | -0.033% | -0.164% | -0.081% | -0.170% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | -0.040% | -0.608% | 0.278% | 0.326% | 0.530% | |||||||||||||||||||||||||||||||||||||||||||||
| Moravsky Penezni Ustav | % | ... | ... | -0.218% | -0.121% | -0.111% | 0.596% | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||
| PPF Banka | % | ... | ... | ... | ... | ... | ... | 0.262% | 0.026% | -0.064% | -0.014% | 0.154% | ... | ... | |||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | 0.166% | 0.132% | 0.090% | -0.036% | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 1.23% | 0.135% | 0.071% | 0.102% | 0.571% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Sberbank Czech Republic | % | -0.134% | 0.022% | 0.318% | 0.535% | 0.604% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | -0.150% | -0.072% | -0.477% | -0.071% | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| UniCredit Czech Republic | % | ... | ... | 0.231% | -0.089% | 0.019% | 0.121% | 0.567% | ... | ... | |||||||||||||||||||||||||||||||||||||||||
| Wustenrot Hypotecni banka | % | -0.073% | 0.040% | -0.063% | 0.001% | 0.232% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Wustenrot Stavebni Sporitelna | % | 0.775% | 0.092% | 0.432% | 0.339% | 0.123% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | 0.293% | 0.604% | 0.366% | 0.300% | 0.543% | 2.72% | 0.551% | 0.797% | 0.698% | 1.06% | 0.486% | 0.436% | 1.10% | 0.008% | 0.527% | 0.512% | 0.527% | 0.808% | 0.614% | 0.153% | 0.047% | 0.720% | 0.718% | 0.509% | 0.715% | 0.837% | 0.525% | 0.386% | 0.335% | 0.478% | 0.274% | 0.198% | 0.298% | 0.429% | 0.231% | 0.310% | 0.488% | 0.180% | 0.140% | 0.095% | 0.227% | 0.121% | 0.015% | 0.043% | 0.165% | 0.183% | 0.106% | 0.044% | 0.151% | 0.152% |
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