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Banks in Czechia by ROE

12-month ROE and Adjusted ROE, 2Q2022

October 20, 2022

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Excel Sheet

Risk weighted assets have been growing by 3.58% a year since 2012 while banks' profits generated return on equity of 13.0% on average during that time. Fio banka achieved the highest ROE in the last three years (34.7%) followed by Moneta Stavebni Sporitelna (20.8%) and Air Bank (15.6%).

When adjusted to the same level of capital (15% of risk-weighted assets), Fio banka would be the most profitable with a ROE of 66.6% in the last twelve months.

ROE (@ 15% of RWA)	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	%																																												11.3%	13.3%	15.8%	18.5%	20.0%
UniCredit Bank Czecho-Slovakia	%																																												10.1%	10.9%	12.3%	11.4%	14.1%
CSOB	%	...	...	...	...	...	...	...	...	...	...	...	...	...																															14.8%	19.1%	22.6%	26.5%	29.0%
Ceska Sporitelna	%																																												11.9%	14.9%	16.0%	17.5%	20.0%
Max banka	%																																												-15.1%	-15.1%	-10.7%	-4.11%	-8.69%
Raiffeisenbank Czech Republic	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...																										7.91%	10.2%	13.7%	19.3%	20.0%
MONETA Money Bank	%																																												10.7%	12.1%	15.1%	16.4%	18.9%
Fio banka	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...																												30.0%	35.2%	40.3%	50.3%	56.7%
CSOB Stavebni Sporitelna	%	...	...	...	...	...	...	...	...	...																																			7.71%	13.2%	14.3%	13.7%	16.9%
Modra Pyramida Stavebni Sporitelna	%																																												8.84%	9.49%	9.67%	14.0%	13.5%
Raiffeisen Stavebni Sporitelna	%	...	...	...	...	...	...																																						11.3%	6.54%	6.66%	9.18%	8.77%
Stavebni Sporitelna Ceske Sporitelny	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...																										22.5%	23.3%	21.1%	25.2%	27.8%
Moneta Stavebni Sporitelna	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...																										19.0%	20.7%	22.3%	26.4%	28.6%
Hypotecni Banka	%																																												7.22%	9.30%	10.5%	9.22%	9.93%
Air Bank	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...												14.7%	12.3%	12.9%	18.9%	22.5%
Banka Creditas	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...																												1.99%	4.07%	2.41%	0.568%	2.46%
Trinity Bank	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...																			4.66%	5.40%	7.97%	8.93%	10.4%
AVERAGE	%	13.0%	13.7%	16.7%	17.4%	17.7%	17.2%	16.6%	16.8%	17.7%	18.3%	18.8%	17.9%	17.5%	17.7%	17.0%	16.9%	14.4%	13.8%	12.8%	13.2%	13.5%	13.9%	14.0%	13.6%	14.8%	13.7%	14.7%	15.0%	14.3%	14.6%	14.7%	15.2%	15.5%	17.0%	17.7%	18.0%	18.9%	19.2%	20.0%	18.9%	16.0%	14.1%	10.9%	10.6%	12.1%	13.7%	16.6%	18.3%	20.5%	21.8%