Commercial banks generated operating profit before provisioning of CZK 33,967 mil in the third quarter of 2022, up 45.0% when compared to last year. Provisions have "eaten" some 647% of operating profit in the third quarter of 2022 as cost of risk reached 0.298% of average loans.
The volume of non-performing loans decreased by 16.3% qoq to CZK 86.5 bil and represented 2.13% of total loans at the end of September. Provisions covered 85.9% of NPLs, up from 75.2% a year ago.
Within the sector, Air Bank had to create the most provisions in the third quarter of 2022 relative to its loans (1.05%) and Moneta Stavebni Sporitelna the least (-0.783%). In terms of overall asset quality, Fio banka was operating with the highest share of non-performing loans, some 8.98% of customer loans at the end of September.
| Cost of Provisions (As % Of Loans) | Unit | 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 | Dec 2022 | Mar 2023 |
| Komercni Banka | % | 0.029% | 0.007% | 0.152% | 0.152% | 0.349% | |||||||||||||||||||||||||||||||||||||||||||||
| UniCredit Bank Czecho-Slovakia | % | -0.092% | 1.13% | 0.315% | 0.403% | 0.115% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | -0.528% | -0.157% | -0.049% | 0.059% | 0.354% | |||||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 0.240% | 0.222% | 0.173% | -0.485% | 0.357% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | -1.17% | -0.357% | 0.397% | -0.368% | 0.983% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | -0.013% | 0.553% | 0.336% | 0.213% | -0.599% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | -0.491% | 0.385% | -0.148% | -0.237% | 0.186% | |||||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | -0.487% | -0.357% | 1.25% | 1.38% | 0.517% | ... | ... | ||||||||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | -0.280% | -0.691% | -0.216% | -0.189% | 0.320% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 0.147% | -0.505% | -0.132% | 0.128% | 0.462% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | -0.435% | 0.515% | 0.202% | -0.121% | 0.123% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 0.943% | -0.908% | 0.210% | -0.317% | 0.059% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | 0.039% | -2.39% | -0.011% | -1.98% | -0.783% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Hypotecni Banka | % | -0.320% | -0.159% | -0.125% | 0.063% | 0.091% | |||||||||||||||||||||||||||||||||||||||||||||
| Air Bank | % | ... | ... | ... | -0.487% | -0.086% | 0.114% | 0.576% | 1.05% | ... | ... | ||||||||||||||||||||||||||||||||||||||||
| Banka Creditas | % | -0.362% | 1.34% | 0.009% | 0.202% | 0.427% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Trinity Bank | % | -0.135% | -1.54% | 0.199% | 0.807% | 0.339% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | -0.076% | 0.849% | 0.897% | 0.865% | 1.32% | 1.08% | 0.496% | 0.154% | 1.03% | 1.26% | 0.816% | 1.14% | 1.40% | 0.865% | 0.606% | 0.648% | 0.930% | 0.491% | 0.358% | 0.725% | 0.869% | 0.456% | 0.623% | 1.01% | 0.299% | 0.311% | 0.239% | 0.560% | 0.295% | -0.073% | -0.036% | 0.436% | 0.374% | 0.173% | -0.031% | 0.208% | -0.184% | 0.767% | 0.937% | 0.473% | 0.844% | 0.130% | -0.176% | -0.200% | -0.177% | 0.157% | 0.017% | 0.256% | 0.208% | -0.068% |
Helgi Library 
