What Banks in Czechia Had the Most Bad Loans in 3Q2018?

Top 15 Banks by Non-Performing Loans (As % of Loans)
Banking | Czech Republic | February 6, 2020
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Based on a comparison of 21 banks in the Czech Republic in 3Q2018, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.

Moravsky Penezni Ustav's non-performing loans reached 19.1% of total loans at the end of 3Q2018, up from 18.8% when compared to the previous quarter and down from 24.3% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 10.1% at the end of 3Q2018, down from 11.7% compared to a year earlier.

When compared to the nearest peers, Banka Creditas operated at the end of 3Q2018 with NPL ratio of 10.1% and provision coverage of 23.0%, Wustenrot Stavebni Sporitelna with 8.26% and 67.2% and PPF Banka had 7.60% of bad loans covered with 46.3% by provisions at the end of 3Q2018.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.20% of total loans in 3Q2018, down from 3.77% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

NPLs (As % Of Loans) Unit Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
Air Bank % 0.448% 0.696% 1.89% 0.834% 0.870% ... ...
Banka Creditas % 10.9% 10.1% 10.8% 12.1% 9.82% ... ...
Ceska Sporitelna % 2.10% 1.90% 1.80% 1.80% 1.80% ... ...
Ceskomoravska Stavebni Sporitelna % 4.72% 4.59% 4.46% 4.38% 3.95% ... ...
CSOB % 2.88% 3.05% 3.06% 2.92% 2.39% ... ...
Equa Bank % 2.40% 2.32% 2.90% 2.83% 2.64% ... ...
Expobank Czech Republic % 6.70% 6.42% 5.96% 4.91% ... ... ...
Fio banka % 5.11% 4.21% 5.59% 9.99% 10.2% ... ...
Hypotecni Banka % 1.44% 1.36% 1.27% 1.20% 1.11% ... ...
Komercni Banka % 2.73% 2.77% 2.71% 2.53% 2.29%
Modra Pyramida Stavebni Sporitelna % 2.31% 2.14% 2.03% 1.91% 1.69% ... ...
MONETA Money Bank % 3.30% 3.00% 2.80% 2.00% 1.80%
Moravsky Penezni Ustav % 18.8% 19.1% ... ... ... ... ...
PPF Banka % 7.48% 7.60% 12.9% 11.3% 9.62% ... ...
Raiffeisenbank Czech Republic % 2.40% 2.41% 2.22% 2.21% 1.95% ... ...
Sberbank Czech Republic % 4.97% 4.76% 2.63% 2.60% 2.60% ... ...
Stavebni Sporitelna Ceske Sporitelny % 0.884% 0.834% ... ... ... ... ...
UniCredit Czech Republic % 3.06% 2.78% 2.67% 2.63% 2.51% ... ...
Wustenrot Hypotecni banka % 4.39% 4.77% 3.64% 3.61% 3.79% ... ...
Wustenrot Stavebni Sporitelna % 7.94% 8.26% 7.91% 8.03% 8.07% ... ...
AVERAGE % 4.48% 4.75% 4.66% 4.29% 4.32% 3.95% 2.08% 1.97%