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.
| NPLs (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 | % | 2.65% | 2.47% | 2.43% | 2.43% | 2.27% | |||||||||||||||||||||||||||||||||||||||||||||
| UniCredit Bank Czecho-Slovakia | % | 2.98% | 2.98% | 2.85% | 2.73% | 2.66% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | 1.73% | 1.95% | 2.00% | 1.90% | 1.75% | |||||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 2.10% | 2.10% | 2.10% | 1.90% | 1.90% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | 5.68% | 6.12% | 6.71% | 6.91% | 7.43% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 2.72% | 2.07% | 2.11% | 1.92% | 1.80% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | 2.40% | 2.20% | 1.80% | 1.40% | 1.40% | |||||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | ... | ... | ... | ... | ... | 10.0% | 8.41% | 8.76% | 9.02% | 8.98% | ... | ... | |||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | 2.16% | 1.95% | 1.89% | 1.86% | 1.90% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 1.71% | 1.53% | 1.45% | 1.42% | 1.44% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | 1.14% | 0.994% | 1.14% | 0.944% | 0.941% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 1.32% | 1.20% | 1.18% | 1.13% | 1.10% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | 1.51% | 1.40% | 1.38% | 1.12% | 1.02% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Hypotecni Banka | % | 0.775% | 0.723% | 0.693% | 0.664% | 0.675% | |||||||||||||||||||||||||||||||||||||||||||||
| Air Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | 0.819% | 0.908% | 0.873% | 0.927% | 1.04% | ... | ... | |||||||||||||||||||||||||||||||||||
| Banka Creditas | % | 10.6% | 8.96% | 8.22% | 7.65% | 7.42% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Trinity Bank | % | 12.4% | 9.56% | 7.76% | 6.39% | 6.12% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | 5.94% | 6.30% | 6.05% | 6.10% | 7.96% | 8.04% | 7.48% | 7.61% | 7.07% | 8.07% | 8.03% | 8.33% | 8.53% | 8.46% | 8.48% | 8.13% | 7.92% | 8.09% | 7.85% | 7.26% | 6.91% | 6.34% | 6.12% | 6.08% | 5.97% | 5.34% | 5.35% | 5.25% | 5.13% | 4.27% | 4.59% | 4.46% | 5.42% | 4.50% | 3.84% | 3.72% | 3.32% | 3.13% | 3.39% | 3.27% | 4.56% | 4.71% | 4.12% | 3.69% | 3.27% | 3.14% | 2.96% | 2.93% | 1.65% | 1.62% |
Helgi Library 
