Mortgage loans grew 8.80% yoy in the last 12 months and were up 0.673% qoq in the last quarter. At the end of June, mortgages formed 41.4% of total loans and 24.4% of GDP. Consumer loans increased 0.846% qoq (up 6.44% yoy) and represented 11.7% of total bank loans while corporate loans fell 0.112% qoq and were up 7.71% yoy to CZK 1,221 bil (or 30.8% of loans).
Overall, CSOB was the largest mortgage lender with 30.5% of the market followed by Ceska Sporitelna (with a 22.9% share ) and Hypotecni Banka (22.8%). Looking at the last 12 months, Air Bank gained the most in market share - 33.9 bp to 0.763% - compared to Raiffeisenbank Czech Republic's 27.3 bp (to 7.57%) and Raiffeisen Stavebni Sporitelna's 18.9 bp (a market share of 3.86%).
The combined trio of largest banks held 69.7% of outstanding mortgage loans in June 2022.
Mortgage Loans | 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 | CZK mil | 248,700 | 253,000 | 258,300 | 262,700 | 264,400 | |||||||||||||||||||||||||||||||||||||||||||||
UniCredit Bank Czecho-Slovakia | CZK mil | 131,615 | 135,350 | 139,250 | 143,340 | 145,333 | |||||||||||||||||||||||||||||||||||||||||||||
CSOB | CZK mil | 463,093 | 470,968 | 476,995 | 487,177 | 494,650 | |||||||||||||||||||||||||||||||||||||||||||||
Ceska Sporitelna | CZK mil | 311,400 | 323,800 | 341,700 | 356,159 | 366,800 | |||||||||||||||||||||||||||||||||||||||||||||
Max banka | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||||||||||||||||||||||||
Raiffeisenbank Czech Republic | CZK mil | 96,981 | 97,421 | 97,934 | 98,547 | 121,000 | |||||||||||||||||||||||||||||||||||||||||||||
MONETA Money Bank | CZK mil | ... | ... | ... | ... | 105,195 | 111,491 | 118,138 | 122,634 | 125,210 | |||||||||||||||||||||||||||||||||||||||||
CSOB Stavebni Sporitelna | CZK mil | 120,493 | 121,807 | 122,847 | 123,155 | 123,772 | |||||||||||||||||||||||||||||||||||||||||||||
Modra Pyramida Stavebni Sporitelna | CZK mil | 67,206 | 69,351 | 72,895 | 76,689 | 79,628 | |||||||||||||||||||||||||||||||||||||||||||||
Raiffeisen Stavebni Sporitelna | CZK mil | 51,998 | 53,214 | 56,223 | 59,330 | 52,010 | |||||||||||||||||||||||||||||||||||||||||||||
Stavebni Sporitelna Ceske Sporitelny | CZK mil | 48,720 | 50,680 | 52,386 | 54,436 | 56,292 | |||||||||||||||||||||||||||||||||||||||||||||
Moneta Stavebni Sporitelna | CZK mil | 15,723 | 15,143 | 15,089 | 15,262 | 15,222 | |||||||||||||||||||||||||||||||||||||||||||||
Hypotecni Banka | CZK mil | 341,165 | 345,715 | 351,120 | 361,277 | 368,354 | |||||||||||||||||||||||||||||||||||||||||||||
Air Bank | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8,304 | 9,335 | 10,583 | 11,667 | 12,000 | |||||||||||||||
mBank Czech Republic | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 26,495 | 29,165 | 29,808 | 29,671 | 29,566 | ||||||||||||||||||||||||||||||||||
AVERAGE | CZK mil | 67,461 | 68,464 | 69,760 | 70,510 | 71,794 | 73,142 | 74,950 | 75,641 | 76,500 | 77,495 | 78,721 | 74,025 | 75,052 | 75,924 | 77,180 | 77,797 | 78,916 | 80,041 | 89,030 | 88,994 | 91,323 | 93,955 | 90,385 | 91,692 | 94,017 | 96,269 | 98,555 | 100,140 | 102,297 | 104,337 | 99,204 | 100,654 | 110,255 | 112,393 | 114,568 | 116,179 | 126,360 | 128,317 | 130,859 | 132,812 | 137,582 | 140,043 | 143,049 | 145,506 | 149,031 | 153,091 | 157,289 | 161,017 | 164,756 | 166,205 |