Based on a comparison of 21 banks in Czechia in 4Q2017, Hypotecni Banka was the most cost efficient bank, followed by Raiffeisen Stavebni Sporitelna and UniCredit Bank Czecho-Slovakia.
Hypotecni Banka's cost to income ratio reached 21.0% in 4Q2017, up from 19.6% when compared to the previous quarter and up from 20.3% 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 4Q2017, down from 0.376% a year earlier.
When compared to the nearest peers, Raiffeisen Stavebni Sporitelna operated in 4Q2017 with a cost to income ratio of 28.6%, UniCredit Bank Czecho-Slovakia reached 30.9% and Fio banka some 35.7%.
The average cost to income ratio reached 46.2% in the Czech banking sector in 4Q2017.
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 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 |
Air Bank | % | ... | ... | ... | ... | ... | 57.2% | 55.4% | 46.6% | 39.7% | 40.1% | ||||||||||||||||||||||||||||||||||||||||
Banka Creditas | % | 102% | 90.9% | 109% | 91.8% | 67.4% | |||||||||||||||||||||||||||||||||||||||||||||
Ceska Sporitelna | % | 51.0% | 47.4% | 45.2% | 49.1% | 41.6% | |||||||||||||||||||||||||||||||||||||||||||||
CSOB | % | 66.6% | 58.6% | 48.9% | 49.9% | 54.0% | |||||||||||||||||||||||||||||||||||||||||||||
CSOB Stavebni Sporitelna | % | 74.7% | 67.3% | 64.9% | 122% | 52.6% | |||||||||||||||||||||||||||||||||||||||||||||
Equa Bank | % | ... | ... | ... | ... | ... | ... | ... | 52.7% | 52.0% | 52.0% | 98.6% | ... | ... | ... | ||||||||||||||||||||||||||||||||||||
Fio banka | % | ... | ... | ... | 29.3% | 28.3% | 25.9% | 28.7% | 21.0% | ||||||||||||||||||||||||||||||||||||||||||
Hypotecni Banka | % | 62.8% | 28.3% | 35.9% | 65.9% | 49.3% | |||||||||||||||||||||||||||||||||||||||||||||
J&T Banka | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 50.3% | 43.7% | 42.0% | 29.5% | 31.5% | ||||||||||||||
Komercni Banka | % | 58.5% | 47.3% | 45.0% | 43.0% | 50.3% | |||||||||||||||||||||||||||||||||||||||||||||
Max banka | % | 126% | 135% | 115% | 110% | 260% | |||||||||||||||||||||||||||||||||||||||||||||
Modra Pyramida Stavebni Sporitelna | % | 62.4% | 54.4% | 54.1% | 58.2% | 62.6% | |||||||||||||||||||||||||||||||||||||||||||||
MONETA Money Bank | % | 56.6% | 49.3% | 45.4% | 47.5% | 50.3% | |||||||||||||||||||||||||||||||||||||||||||||
Moneta Stavebni Sporitelna | % | 55.3% | 29.7% | 8.60% | 42.1% | 27.2% | |||||||||||||||||||||||||||||||||||||||||||||
PPF Banka | % | 317% | 20.3% | 45.3% | 43.4% | 20.4% | |||||||||||||||||||||||||||||||||||||||||||||
Raiffeisen Stavebni Sporitelna | % | 73.1% | 63.2% | 61.0% | 41.8% | 53.9% | |||||||||||||||||||||||||||||||||||||||||||||
Raiffeisenbank Czech Republic | % | 73.8% | 40.8% | 54.4% | 37.3% | 60.2% | |||||||||||||||||||||||||||||||||||||||||||||
Sberbank Czech Republic | % | 92.8% | 76.1% | 70.9% | 60.8% | 106% | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
Stavebni Sporitelna Ceske Sporitelny | % | 32.4% | 35.9% | 27.2% | 40.3% | 29.4% | |||||||||||||||||||||||||||||||||||||||||||||
Trinity Bank | % | 64.8% | 67.8% | 53.9% | 76.2% | 54.0% | |||||||||||||||||||||||||||||||||||||||||||||
UniCredit Bank Czecho-Slovakia | % | 47.9% | 43.8% | 45.6% | 53.7% | 35.4% | |||||||||||||||||||||||||||||||||||||||||||||
Wustenrot Hypotecni banka | % | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||||||||||||||||||||||||||||
AVERAGE | % | 57.0% | 43.0% | 41.2% | 42.5% | 48.2% | 227% | -59.4% | 115% | 8.81% | 137% | 102% | 67.5% | 65.2% | 55.9% | 55.3% | 55.1% | 53.6% | -1.56% | 52.7% | 54.4% | 54.7% | 56.9% | 56.0% | 57.5% | 52.7% | 47.9% | 53.7% | 54.3% | 52.1% | 51.8% | 55.9% | 54.5% | 49.3% | 47.5% | 55.1% | 74.1% | 48.5% | 47.6% | 53.7% | 55.8% | 52.3% | 52.9% | 60.8% | 76.5% | 54.1% | 52.2% | 58.5% | 58.3% | 45.4% | 41.0% |