The volume of non-performing loans decreased 3.59% qoq to CZK 86.5 bil and their share fell to 2.13% of total loans at the end of September 2022. Specific provisions covered 85.9% of non-performing loans, up from 75.2% seen a year ago.
Mortgage loans traditionally represent the best level of quality with only 0.710% of them not performing (down from 0.960% a year ago). On the other hand, some 3.33% of corporate loans were classified (from 4.47% last year) as well as 5.73% of consumer loans (compared to 7.57% a year ago).
Hypotecni Banka operated with the highest-quality performing loan portfolio - only 0.675% of loans were not performing at the end of September 2022. On the other hand, Fio banka reported the highest NPL ratio with 8.98%.
| NPLs (As % Of 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 | % | 2.92% | 2.85% | 2.65% | 2.47% | 2.43% | |||||||||||||||||||||||||||||||||||||||||||||
| UniCredit Bank Czecho-Slovakia | % | 3.32% | 3.81% | 2.98% | 2.98% | 2.85% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | 1.75% | 1.79% | 1.73% | 1.57% | 1.59% | |||||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 2.30% | 2.10% | 2.10% | 2.10% | 2.10% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | 5.09% | 5.38% | 5.68% | 6.12% | 6.71% | |||||||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 2.49% | 1.73% | 2.72% | 2.07% | 2.11% | |||||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | 2.80% | 2.50% | 2.40% | 2.20% | 1.80% | |||||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | ... | ... | ... | ... | ... | ... | ... | 12.8% | 11.7% | 10.0% | 8.41% | 8.76% | |||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | 2.46% | 2.22% | 2.16% | 1.95% | 1.89% | |||||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 1.84% | 1.78% | 1.71% | 1.53% | 1.45% | |||||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | 1.46% | 1.29% | 1.14% | 0.994% | 1.14% | |||||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 1.51% | 1.40% | 1.32% | 1.20% | 1.18% | |||||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | 1.62% | 1.60% | 1.51% | 1.40% | 1.38% | |||||||||||||||||||||||||||||||||||||||||||||
| Hypotecni Banka | % | 0.813% | 0.829% | 0.775% | 0.723% | 0.693% | |||||||||||||||||||||||||||||||||||||||||||||
| Air Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.783% | 0.814% | 0.819% | 0.908% | 0.873% | |||||||||||||||||||||||||||||||||||
| Banka Creditas | % | 18.9% | 12.8% | 10.6% | 8.96% | 8.22% | |||||||||||||||||||||||||||||||||||||||||||||
| Trinity Bank | % | 17.2% | 15.4% | 12.4% | 9.56% | 7.76% | |||||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | 5.40% | 5.79% | 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% | 3.24% | 3.11% | 2.94% | 2.91% |
Helgi Library 
