What Banks in Czechia Had the Lowest Loan to Deposit Ratio in 3Q2018?

Top 15 Banks by Loans (As % Of Deposits)
Banking | Czech Republic | October 17, 2019
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Based on a comparison of 20 banks in the Czech Republic in 3Q2018, 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 13.1% at the end of 3Q2018, up from 11.3% when compared to the previous quarter and up from 11.5% when compared to the same period of last year. Historically, the bank’s loans to deposits hit an all time high of 49.5% in 2Q2011 and an all time low of 11.3% in 2Q2018.

When compared to the nearest peers, PPF Banka ended the year 3Q2018 with loans to deposits at 21.4%, Banka Creditas with 41.3% and Air Bank some 44.6% of loans to deposits at the end of 3Q2018.

Overall, total loans of the Czech banking sector amounted to 73.9% of deposits at the end of 3Q2018.

You can see all the banks loan to deposit ratio at 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 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Air Bank % 44.0% 40.9% 45.0% 44.6% 45.6%
Banka Creditas % 38.6% 32.7% 41.3% 41.3% 31.7%
Ceska Sporitelna % 72.3% 73.7% 75.8% 75.9% 72.0%
Ceskomoravska Stavebni Sporitelna % 81.5% 82.2% 82.8% 83.9% 83.0%
CSOB % 90.6% 74.9% 75.6% 75.9% 87.1%
Equa Bank % 81.2% 80.1% 80.1% 81.8% 80.3%
Expobank Czech Republic % 56.2% 45.6% 45.1% 48.1% 53.7% ...
Fio banka % 12.3% 11.8% 11.3% 13.1% 12.6%
Hypotecni Banka % 114% 113% 114% 114% 113%
Komercni Banka % 78.5% 73.7% 73.6% 72.6% 76.7%
mBank Czech Republic % 56.5% ... ... ... ... ... ...
Modra Pyramida Stavebni Sporitelna % 70.6% 73.3% 74.9% 80.2% 81.9%
MONETA Money Bank % 87.4% 87.0% 90.3% 90.9% 83.0%
Moravsky Penezni Ustav % 90.1% 92.0% 84.1% 87.6% ... ... ...
PPF Banka % 16.9% 17.9% 21.2% 21.4% 25.9%
Raiffeisen Stavebni Sporitelna % 68.0% 69.4% 72.5% 75.8% ... ... ...
Raiffeisenbank Czech Republic % 75.8% 66.6% 69.2% 68.7% 67.7%
Sberbank Czech Republic % 94.3% 91.0% 92.0% 91.1% 95.2%
Stavebni Sporitelna Ceske Sporitelny % 56.5% 58.5% 61.3% 64.3% ... ... ...
UniCredit Czech Republic % 104% 107% 108% 92.8% 92.4%
Wustenrot Hypotecni banka % 181% 191% 194% 198% 192%
Wustenrot Stavebni Sporitelna % 61.8% 61.8% 61.6% 57.7% 57.0%
AVERAGE % 73.8% 74.1% 73.5% 74.9% 75.2% 75.1% 72.4% 74.0%