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

Top 15 Banks by Non-Performing Loans (As % of Loans)
Banking | Czech Republic | August 14, 2019
$1.99
Excel Sheet

Based on a comparison of 22 banks in the Czech Republic in 3Q2018, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Home Credit Group.

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 12.9% at the end of 3Q2018, down from 13.8% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 3Q2018 with NPL ratio of 12.9% and provision coverage of 46.3%, Home Credit Group with 8.86% and 132% and Sberbank Czech Republic had 4.76% of bad loans covered with 63.6% by provisions at the end of 3Q2018.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.65% of total loans in 3Q2018, down from 4.36% 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 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Air Bank % 1.76% 0.277% 0.324% 0.353% ... ... ...
Banka Creditas % 9.76% ... ... ... ... ... ...
Ceska Sporitelna % 2.10% 2.00% 2.10% 1.90% ... ... ...
Ceskomoravska Stavebni Sporitelna % 2.24% ... ... ... ... ... ...
CSOB % 2.04% 2.03% 2.08% 2.29% ... ... ...
Equa Bank % 3.62% 2.23% 2.40% 2.32% ... ... ...
Expobank Czech Republic % 4.49% 1.20% 1.25% 1.17% ... ... ...
Fio banka % 12.1% 4.48% 5.11% 4.21% ... ... ...
Home Credit Group % 6.77% 8.20% 9.00% 8.86% ... ... ...
Hypotecni Banka % 1.65% 1.56% 1.44% 1.36% ... ... ...
Komercni Banka % 3.06% 2.85% 2.73% 2.77% 2.71%
Modra Pyramida Stavebni Sporitelna % 3.06% 2.39% 2.31% 2.14% ... ... ...
MONETA Money Bank % 4.10% 3.70% 3.30% 3.00% 2.80%
Moravsky Penezni Ustav % 26.4% 16.3% 18.8% 19.1% ... ... ...
PPF Banka % 13.8% 10.3% 12.2% 12.9% ... ... ...
Raiffeisen Stavebni Sporitelna % 2.95% ... ... ... ... ... ...
Raiffeisenbank Czech Republic % 2.53% 2.60% 2.35% 2.36% ... ... ...
Sberbank Czech Republic % 5.76% 6.67% 4.97% 4.76% ... ... ...
Stavebni Sporitelna Ceske Sporitelny % 2.03% 0.980% 0.884% 0.834% ... ... ...
UniCredit Czech Republic % 2.97% ... ... ... ... ... ...
Wustenrot Hypotecni banka % 2.46% ... ... ... ... ... ...
Wustenrot Stavebni Sporitelna % 3.99% ... ... ... ... ... ...
AVERAGE % 5.52% 5.44% 4.23% 4.46% 4.40% 2.76% 2.25% 2.05%