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Relative Loan Growth in Czechia by Bank

Quarterly Change in Customer Loans (%), 2Q2022
Banking | Czechia | November 22, 2022
$1.99
Excel Sheet

Loans increased by 0.834% qoq to CZK 3,958 bil during the second quarter of 2022. This implies an annual growth rate of 6.93% in the last 12 months. In the last decade, bank loans have grown by 5.38% a year on average.

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. 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).

The comparison of 18 Czech banks shows Raiffeisen Stavebni Sporitelna has grown the fastest in relative terms within the last quarter (19.5%% qoq), followed by Trinity Bank and Banka Creditas. In absolute terms, however, Ceska Sporitelna grabbed the largest piece of the pie when compared to the previous quarter (CZK 24,835 mil or 75.9% of the market net increase) followed by CSOB and Komercni Banka.

Change in Customer Loans (relative) 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 % -0.063% 1.95% 2.45% 2.08% 1.92%
UniCredit Bank Czecho-Slovakia % 8.06% -4.06% 1.73% -2.88% 1.55%
CSOB % 7.44% -5.60% 0.821% 4.48% 3.75%
Ceska Sporitelna % 1.61% 3.35% 2.33% 2.05% 2.27%
Max banka % 4.54% -4.14% 14.1% -4.32% -15.2%
Raiffeisenbank Czech Republic % -0.403% 1.25% 5.01% 1.53% 26.9%
MONETA Money Bank % 2.77% 3.02% 3.44% 3.25% 0.782%
Fio banka % ... ... ... 16.1% 9.70% 5.13% 7.01% 1.29%
CSOB Stavebni Sporitelna % -4.28% 1.09% 0.854% 0.290% 0.500%
Modra Pyramida Stavebni Sporitelna % 4.40% 3.71% 5.02% 5.17% 3.80%
Raiffeisen Stavebni Sporitelna % 2.08% 0.226% 5.12% 4.91% -11.1%
Stavebni Sporitelna Ceske Sporitelny % 1.12% 3.90% 3.36% 3.88% 3.31%
Moneta Stavebni Sporitelna % -0.376% -3.40% -0.678% 0.908% -0.411%
Hypotecni Banka % 2.20% 1.33% 1.58% 2.88% 1.96%
Air Bank % ... ... ... ... ... ... ... ... ... 3.78% 4.75% 6.96% -1.24% 5.63%
Banka Creditas % -10.7% 34.5% 12.4% 7.75% 9.21%
Trinity Bank % 6.46% 17.0% 3.08% 2.99% 14.3%
mBank Czech Republic % 9.85% 9.22% 3.65% 0.713% 1.83%
AVERAGE % 6.06% 7.87% 4.78% 1.81% 4.04% 2.55% 2.14% 2.39% 2.10% 2.77% 6.40% 2.03% 1.33% 1.44% 6.71% 0.499% 1.28% -1.34% 2.00% -0.009% 1.47% 1.80% 0.489% 5.06% 1.85% 2.15% -1.43% 4.23% -1.37% 2.42% 1.82% -1.41% 2.67% 2.21% 1.07% 1.82% 5.71% 3.05% 0.839% 5.33% 1.05% 0.797% 2.99% 3.03% 4.33% 4.24% 2.30% 2.90% 3.72% 1.52%

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