What Banks in Czechia Were the Most Cost Efficient in 3Q2018?

Top 15 Banks by Costs As % Of Income
Banking | Czech Republic | January 29, 2019
$2.99
Excel Sheet

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, Hypotecni Banka was the most cost efficient bank, followed by Stavebni Sporitelna Ceske Sporitelny and Fio banka.

Hypotecni Banka's cost to income ratio reached 23.1% in 3Q2018, down from 23.8% when compared to the previous quarter and up from 19.6% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 3Q2018, down from 0.311% a year earlier.

When compared to the nearest peers, Stavebni Sporitelna Ceske Sporitelny operated in 3Q2018 with a cost to income ratio of 24.7%, Fio banka reached 28.5% and UniCredit Czech Republic some 33.6%.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

Costs (As % Of Income) Unit Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018
Air Bank % 47.6% 72.3% 99.6% 58.3% 60.9%
Banka Creditas % 112% 122% 74.6% 127% 62.4%
Ceska Sporitelna % 49.4% 48.5% 47.6% 50.4% 48.9%
Ceskomoravska Stavebni Sporitelna % 52.1% 45.3% 42.1% 54.7% 53.9%
CSOB % 43.8% 40.3% 43.6% 47.2% 48.5%
Equa Bank % 63.5% 72.9% 55.8% 68.1% 57.2%
Expobank Czech Republic % 78.9% 77.0% 87.4% 91.2% 89.8%
Fio banka % 44.3% 41.1% 48.4% 35.7% 42.0%
Hypotecni Banka % 27.9% 19.7% 19.6% 21.0% 33.0%
Komercni Banka % 40.4% 43.0% 44.4% 44.5% 53.6%
Modra Pyramida Stavebni Sporitelna % 41.6% 43.0% 41.8% 43.3% 51.7%
MONETA Money Bank % 46.6% 38.7% 44.8% 51.4% 48.5%
Moravsky Penezni Ustav % 83.3% 65.5% 76.5% 100% 91.8%
PPF Banka % 25.4% 21.4% 24.5% 44.9% 16.5%
Raiffeisen Stavebni Sporitelna % 58.9% 48.3% 57.0% 28.6% 51.8%
Raiffeisenbank Czech Republic % 46.3% 50.3% 40.9% 40.1% 64.3%
Sberbank Czech Republic % 71.3% 56.6% 60.7% 78.7% 76.0%
Stavebni Sporitelna Ceske Sporitelny % 30.0% 37.8% 24.7% 57.1% 32.8%
UniCredit Czech Republic % 58.4% 38.5% 43.9% 30.9% 50.2%
Wustenrot Hypotecni banka % 47.5% 51.0% 52.6% 42.7% 48.8%
Wustenrot Stavebni Sporitelna % 60.7% 58.6% 54.4% 57.6% 59.6%
AVERAGE % 53.8% 53.8% 52.0% 51.7% 55.9% 54.4% 49.1% 47.5%