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Banks in Czechia by Capitalization

Capital Adequacy Ratio and Tier 1 Ratio, 2Q2022
October 20, 2022
$2.99
Excel Sheet

Czech banks operated with capital adequacy ratio of 21.6% at the end of the second quarter of 2022, down 3.00 bp when compared to the same period of last year. Historically in between 1Q2006 - 2Q2022, the ratio reached a high of 24.6% in 2Q2021 and a low of 11.3% in 3Q2006.

Sector's Tier 1 ratio reached 20.9% and equity accounted for 16.5% of loans. This is up 3.11 bp and down %down bp when compared to five years ago.

Hypotecni Banka reported the highest capital adequacy ratio (45.3%) followed by Max banka (30.2%) and Stavebni Sporitelna Ceske Sporitelny. Moneta Stavebni Sporitelna and Raiffeisen Stavebni Sporitelna managed to operate with relatively low capital ratios of 13.1% and 16.4%, respectively.

Capital Adequacy Ratio 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 % 22.5% 23.2% 23.0% 21.3% 20.2%
UniCredit Bank Czecho-Slovakia % 22.4% 22.2% 22.2% 21.9% 21.8%
CSOB % 24.8% 24.2% 23.3% 22.7% 21.6%
Ceska Sporitelna % 25.4% 25.4% 23.5% 23.8% 21.2%
Max banka % 26.7% 27.5% 24.8% 26.2% 28.2%
Raiffeisenbank Czech Republic % 22.7% 26.3% 24.6% 26.1% 19.6%
MONETA Money Bank % 18.5% 19.2% 18.7% 17.1% 17.7%
Fio banka % ... ... 19.8% 20.9% 21.3% 22.6% 23.9%
CSOB Stavebni Sporitelna % 17.1% 17.7% 16.0% 21.3% 22.1%
Modra Pyramida Stavebni Sporitelna % 30.4% 29.0% 25.0% 20.7% 20.4%
Raiffeisen Stavebni Sporitelna % 17.0% 16.5% 15.4% 15.2% 15.5%
Stavebni Sporitelna Ceske Sporitelny % 28.0% 28.2% 27.7% 26.6% 26.7%
Moneta Stavebni Sporitelna % 12.5% 12.3% 13.5% 12.0% 11.5%
Hypotecni Banka % 46.0% 44.8% 47.3% 45.2% 44.3%
Air Bank % ... ... ... ... ... 17.8% 18.1% 17.3% 18.2% 18.2%
Banka Creditas % 18.6% 20.9% 21.1% 21.4% 19.9%
Trinity Bank % 20.6% 21.6% 21.5% 21.5% 19.6%
AVERAGE % 15.7% 16.2% 15.5% 15.7% 16.3% 22.8% 18.7% 16.5% 16.4% 16.7% 16.4% 16.3% 16.5% 16.7% 16.3% 16.4% 16.5% 17.0% 17.4% 18.1% 18.1% 17.4% 18.2% 17.7% 17.7% 17.8% 18.2% 18.1% 18.6% 18.4% 19.0% 18.6% 18.8% 18.4% 19.2% 19.8% 20.5% 20.3% 21.1% 21.6% 22.8% 22.7% 22.6% 23.0% 23.4% 22.7% 22.6% 21.9% 22.0% 22.7%

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