Mortgage loans grew 0% yoy in the last 12 months and were up 0% qoq in the last quarter. ERROR: Division by zero ERROR: Division by zero ERROR: Division by zero At the end of September, mortgages formed NAN% of total loans and of GDP.
Overall, CSOB was the largest mortgage lender with ERROR: Division by zeroINF% of the market followed by Ceska Sporitelna (with a ERROR: Division by zeroINF% share ) and Hypotecni Banka (ERROR: Division by zeroINF%). Looking at the last 12 months, mBank Czech Republic gained the most in market share - 433 bp to ERROR: Division by zeroINF% - compared to CSOB Stavebni Sporitelna's 396 bp (to ERROR: Division by zeroINF%) and Moneta Stavebni Sporitelna's 387 bp (a market share of ERROR: Division by zeroINF%).
The combined trio of largest banks held 298,716% of outstanding mortgage loans in September 2022.
| Market Share in Mortgage Loans | Unit | 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 | Dec 2022 | Mar 2023 |
| Komercni Banka | % | 21.3% | 21.2% | 21.1% | 21.2% | 21.2% | |||||||||||||||||||||||||||||||||||||||||||||
| UniCredit Bank Czecho-Slovakia | % | 8.98% | 8.99% | 8.93% | 9.18% | 9.16% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | 30.8% | 30.5% | 30.4% | 30.5% | 30.4% | |||||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | 22.0% | 22.3% | 22.5% | 22.9% | 23.1% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 6.31% | 6.18% | 7.44% | 7.57% | 7.61% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | ... | ... | ... | ... | 7.62% | 7.69% | 7.70% | 7.98% | 8.00% | |||||||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | 7.92% | 7.72% | 7.61% | 7.60% | 7.50% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 4.70% | 4.81% | 4.89% | 5.03% | 5.10% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | 3.62% | 3.72% | 3.20% | 3.86% | 3.89% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 3.38% | 3.41% | 3.46% | 3.60% | 3.65% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | 0.973% | 0.957% | 0.936% | 0.946% | 0.942% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Hypotecni Banka | % | 22.6% | 22.6% | 22.6% | 22.8% | 22.5% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
| Air Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.682% | 0.731% | 0.738% | 0.763% | 0.785% | ... | ... | |||||||||||||||
| mBank Czech Republic | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.92% | 1.86% | 1.82% | 1.78% | 1.66% | ... | ... | ||||||||||||||||||||||||||||||||||
| AVERAGE | % | 10.1% | 10.2% | 10.2% | 10.2% | 10.2% | 10.2% | 10.2% | 10.2% | 10.2% | 9.52% | 9.52% | 9.47% | 9.42% | 9.42% | 9.39% | 9.36% | 10.2% | 10.1% | 10.1% | 10.2% | 9.57% | 9.61% | 9.62% | 9.62% | 9.62% | 9.59% | 9.55% | 9.54% | 8.89% | 8.88% | 9.51% | 9.49% | 9.47% | 9.50% | 10.2% | 10.1% | 10.1% | 10.1% | 10.3% | 10.3% | 10.3% | 10.3% | 10.2% | 10.2% | 10.2% | 10.2% | 10.4% | 10.4% | 20.7% | 20.7% |
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