What Banks in Czechia Had the Lowest Loan to Deposit Ratio in 2018?

Top Banks by Loans (As % Of Deposits)
Banking | Czech Republic | October 17, 2019
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Based on a comparison of 22 banks in the Czech Republic in 2018, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Banka Creditas.

Fio banka's loan to deposit ratio reached 12.6% at the end of 2018, down from 12.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 4,690% in 2004 and an all time low of 1.16% in 2009.

Comparing Fio banka with its closest peers, PPF Banka ended the year 2018 with loans to deposits at 25.9%, Banka Creditas with 39.5% and Air Bank some 44.9% of loans to deposits at the end of 2018.

Overall, total loans of the Czech banking sector amounted to 74.4% of deposits at the end of 2018.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Czech banks in the report section.

Loans (As % Of Deposits) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Air Bank % 43.7% 53.3% 45.9% 38.9% 41.9%
Banka Creditas % 84.7% 91.1% 82.5% 77.9% 79.2%
Ceska Sporitelna % 66.8% 67.3% 73.5% 74.6% 73.2%
Ceskomoravska Stavebni Sporitelna % 81.4% 78.4% 78.4% 83.1% 85.4%
CSOB % 75.6% 70.5% 78.1% 81.1% 79.4%
Equa Bank % 74.8% 78.8% 80.9% 81.9% 80.3%
Essox % 10,697% 10,237% 9,396% 7,547% 8,608%
Expobank Czech Republic % 114% 106% 88.3% 72.1% 66.8%
Fio banka % 37.6% 35.8% 26.9% 24.0% 17.7%
Hypotecni Banka % 175% 163% 140% 114% 112%
J&T Banka % 64.3% 69.9% 66.5% 61.3% 73.9% ...
Komercni Banka % 78.0% 72.9% 70.5% 79.9% 83.0%
mBank Czech Republic % 49.6% 55.6% 59.4% 64.6% 58.8% ...
Modra Pyramida Stavebni Sporitelna % 66.7% 58.4% 50.6% 52.2% 58.8%
MONETA Money Bank % 97.7% 104% 111% 99.8% 96.2%
Moravsky Penezni Ustav % 79.9% 92.6% 84.0% 82.7% 86.3% ...
PPF Banka % 46.3% 41.3% 29.7% 45.0% 27.2%
Raiffeisen Stavebni Sporitelna % 52.8% 51.7% 51.8% 53.8% 63.2% ...
Raiffeisenbank Czech Republic % 99.8% 101% 102% 99.5% 91.3%
Sberbank Czech Republic % 112% 107% 122% 91.1% 99.7%
Stavebni Sporitelna Ceske Sporitelny % 39.5% 38.6% 42.9% 46.7% 45.8% ...
UniCredit Czech Republic % 103% 94.7% 103% 96.6% 104%
Wustenrot Hypotecni banka % 166% 142% 150% 167% 170%
Wustenrot Stavebni Sporitelna % 78.8% 65.3% 62.7% 67.4% 63.7%
AVERAGE % 526% 524% 503% 466% 388% 432% 451% 486%