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%.
Banka Creditas had the highest volume of non-performing loans not covered by provisions when compared to bank's equity at the end of the third quarter (26.8%), followed by Trinity Bank (17.8%) and Fio banka. Having said that, the comparison does not take into account size and quality of the loan collateral, for example, which covers a major part of mortgage backed loans.
| Uncovered Non-Performing Loans (As % of Bank Equity) | 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 | % | 8.77% | 8.35% | 7.26% | 6.97% | 6.84% | |||||||||||||||||||||||||||||||||||||||||||||
| UniCredit Bank Czecho-Slovakia | % | 3.76% | 4.53% | 3.84% | 3.35% | 1.90% | |||||||||||||||||||||||||||||||||||||||||||||
| CSOB | % | 2.47% | 3.21% | 3.97% | 3.82% | 5.05% | |||||||||||||||||||||||||||||||||||||||||||||
| Ceska Sporitelna | % | -1.43% | -1.55% | -1.65% | -1.75% | -1.09% | |||||||||||||||||||||||||||||||||||||||||||||
| Max banka | % | 3.76% | 5.40% | 6.36% | 8.61% | 9.42% | |||||||||||||||||||||||||||||||||||||||||||||
| Raiffeisenbank Czech Republic | % | 1.50% | -2.16% | 7.90% | 4.41% | 7.46% | |||||||||||||||||||||||||||||||||||||||||||||
| MONETA Money Bank | % | 1.32% | 0.231% | 0.774% | -0.229% | -3.10% | |||||||||||||||||||||||||||||||||||||||||||||
| Fio banka | % | ... | ... | ... | ... | ... | ... | ... | ... | 39.1% | 37.2% | 29.3% | 24.1% | 21.9% | |||||||||||||||||||||||||||||||||||||
| CSOB Stavebni Sporitelna | % | 9.78% | 6.79% | 6.99% | 7.10% | 6.91% | |||||||||||||||||||||||||||||||||||||||||||||
| Modra Pyramida Stavebni Sporitelna | % | 11.3% | 11.0% | 11.0% | 12.4% | 12.2% | |||||||||||||||||||||||||||||||||||||||||||||
| Raiffeisen Stavebni Sporitelna | % | -3.00% | -4.34% | -4.77% | -5.82% | -5.72% | |||||||||||||||||||||||||||||||||||||||||||||
| Stavebni Sporitelna Ceske Sporitelny | % | 2.14% | 1.62% | 1.30% | 0.927% | 0.693% | |||||||||||||||||||||||||||||||||||||||||||||
| Moneta Stavebni Sporitelna | % | -5.56% | -6.87% | -7.14% | -1.37% | -1.42% | |||||||||||||||||||||||||||||||||||||||||||||
| Hypotecni Banka | % | 3.06% | 3.28% | 3.25% | 3.41% | 3.36% | |||||||||||||||||||||||||||||||||||||||||||||
| Air Bank | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -2.19% | -2.23% | -1.32% | -0.926% | -0.880% | |||||||||||||||||||||||||||||||||||
| Banka Creditas | % | 51.3% | 45.2% | 41.4% | 36.4% | 35.6% | |||||||||||||||||||||||||||||||||||||||||||||
| Trinity Bank | % | 51.6% | 48.5% | 39.0% | 30.8% | 26.9% | |||||||||||||||||||||||||||||||||||||||||||||
| AVERAGE | % | 20.9% | 21.2% | 21.6% | 23.3% | 22.6% | 22.7% | 34.4% | 32.3% | 35.5% | 36.1% | 33.1% | 43.2% | 39.7% | 41.2% | 44.6% | 42.7% | 41.0% | 37.9% | 34.1% | 33.0% | 33.4% | 168% | 26.6% | 25.3% | 24.3% | 23.7% | 21.3% | 19.1% | 16.7% | 16.3% | 15.8% | 8.23% | 12.0% | 11.4% | 14.5% | 11.9% | 11.0% | 11.0% | 9.06% | 8.31% | 7.91% | 7.09% | 10.1% | 10.5% | 9.30% | 8.67% | 7.78% | 7.42% | 6.71% | 5.65% |
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