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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