Banks operated with average cost to income of 40.4% in the last quarter as operating costs rose 5.15% yoy and revenues increased by 25.7% yoy. That's compared to an average cost to income of 45.8% seen in the last three years and 45.1% recorded in the last decade.
Hypotecni Banka was the most cost efficient based on the cost to income ratio in the third quarter of 2022 and it also operated with the lowest operating costs when compared to a sum of loans and deposits, i.e. when utilization of both assets as well as liabilities is taken into account.
| Costs (As % Of Loans & Deposits) | 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 | % | 1.03% | 0.809% | 0.781% | 0.891% | 1.07% | |||||||||||||||||||||||||||||||||||||||||||||
| UniCredit Bank Czecho-Slovakia | % | 0.624% | 0.670% | 0.744% | 1.09% | 0.727% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | 1.04% | 0.881% | 0.794% | 0.937% | 1.07% | |||||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 1.02% | 0.962% | 0.939% | 1.12% | 0.985% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | 3.05% | 3.25% | 2.59% | 3.06% | 4.46% | |||||||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 1.18% | 0.656% | 1.01% | 0.872% | 1.34% | |||||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | 1.21% | 1.05% | 0.979% | 1.05% | 1.09% | |||||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | ... | ... | 0.382% | 0.402% | 0.423% | 0.601% | 0.482% | ||||||||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | 0.607% | 0.453% | 0.465% | 0.412% | 0.541% | |||||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 0.551% | 0.482% | 0.476% | 0.483% | 0.547% | |||||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | 0.605% | 0.513% | 0.483% | 0.448% | 0.524% | |||||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 0.417% | 0.469% | 0.367% | 0.481% | 0.434% | |||||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | 0.887% | 0.519% | 0.156% | 0.785% | 0.520% | |||||||||||||||||||||||||||||||||||||||||||||
| Hypotecni Banka | % | 0.455% | 0.193% | 0.188% | 0.319% | 0.400% | |||||||||||||||||||||||||||||||||||||||||||||
| Air Bank | % | ... | ... | ... | ... | ... | 0.935% | 0.942% | 0.899% | 0.999% | 1.09% | ||||||||||||||||||||||||||||||||||||||||
| Banka Creditas | % | 1.08% | 1.12% | 1.09% | 1.59% | 0.973% | |||||||||||||||||||||||||||||||||||||||||||||
| Trinity Bank | % | 1.29% | 1.35% | 1.43% | 0.766% | 0.592% | |||||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | 1.26% | 1.25% | 1.30% | 1.24% | 1.26% | 31.3% | 2.92% | 1.79% | 1.35% | 0.785% | 1.38% | 1.31% | 1.16% | 1.12% | 1.20% | 1.07% | 1.11% | 1.07% | 1.43% | 1.14% | 1.12% | 1.12% | 1.20% | 1.20% | 1.13% | 1.01% | 1.08% | 1.04% | 0.973% | 0.935% | 1.03% | 1.13% | 0.979% | 0.964% | 1.14% | 1.11% | 0.985% | 0.946% | 1.03% | 1.02% | 0.903% | 0.864% | 1.02% | 0.962% | 0.866% | 0.812% | 0.935% | 0.990% | 0.857% | 0.845% |
Helgi Library 
