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Banka Creditas

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Banka Creditas

Záložna CREDITAS, spořitelní družstvo is one of the largest credit unions in the Czech Republic. The Union has been in operation on the financial market since 1996. From a Company with regional operations, it transformed into the financial institution with nationwide operations. The Credit union is now Company with a branch network throughout the whole Czech Republic with a complete portfolio of products for

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Záložna CREDITAS, spořitelní družstvo is one of the largest credit unions in the Czech Republic. The Union has been in operation on the financial market since 1996. From a Company with regional operations, it transformed into the financial institution with nationwide operations. The Credit union is now Company with a branch network throughout the whole Czech Republic with a complete portfolio of products for both individuals and legal entities, including current accounts administration, savings, loan products, internet banking and MasterCard payment cards.

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AnnualQuarterly
summary Unit
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

                    245 348 339 277 308    
                    255 404 339 293 338    
                    65.4 109 67.5 69.1 23.0    
                    20.9 0.101 11.3 22.2 18.1    

balance sheet

                    1,356 614 756 816 404    
                    5,225 7,718 7,647 6,878 8,003    
                    425 373 635 913 1,160    
                    7,173 9,715 10,533 10,286 11,743    
                    795 864 907 1,360 1,547    
                    3.28 0 0 0 0    
                    6,168 8,468 9,272 8,835 10,100    
                    170 294 294 32.1 0    

ratios

                    3.18% 0.012% 1.28% 1.95% 1.25%    
                    0.376% 0.001% 0.112% 0.213% 0.164%    
                    3.41% 3.50% 2.68% 2.15% 2.86%    
                    74.4% 73.0% 80.1% 76.4% 93.2%    
... ... ... ... ...           13.7% 11.7% 11.1% 14.1% 13.3%    
                    4.40% 4.12% 3.35% 2.66% 2.79%    
                    95.9% 86.0% 100% 94.6% 91.0%    
                    -0.224% -0.691% -0.484% -1.27% -1.66%    
                    49.3% 36.4% 34.5% 41.1% 33.8%    
                    11.1% 8.90% 8.61% 13.2% 13.2%    
                    84.7% 91.1% 82.5% 77.9% 79.2%    
                    72.8% 79.4% 72.6% 66.9% 68.2%    
... ... ... ... ...           20.4% 20.1% 20.0% 13.3% 11.9%    
... ... ... ... ...           12.3% 14.3% 16.1% 29.6% 30.5%    

Download Data
income statement Unit
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income CZK mil
Interest Cost CZK mil
Net Interest Income CZK mil
Net Fee Income CZK mil
Other Income CZK mil
Total Revenues CZK mil
Staff Cost CZK mil
Depreciation CZK mil
Other Cost CZK mil
Operating Cost CZK mil
Operating Profit CZK mil
Provisions CZK mil
Extra and Other Cost CZK mil
Pre-Tax Profit CZK mil
Tax CZK mil
Minorities CZK mil
Net Profit CZK mil
                    430 609 625 541 545    
                    185 261 285 264 237    
                    245 348 339 277 308    
                    -0.571 -2.79 -1.64 -3.71 -5.60    
                    11.0 59.4 0.853 19.5 36.0    
                    255 404 339 293 338    
                    93.6 108 93.6 92.2 107    
                    7.27 12.2 15.5 14.1 14.7    
                    88.9 175 162 118 194    
                    190 295 271 224 315    
                    65.4 109 67.5 69.1 23.0    
                    33.7 94.8 24.2 27.8 20.0    
                    < -0.001 < 0.001 0 0 < -0.001    
                    31.7 14.3 43.3 41.3 3.00    
                    10.8 14.2 31.9 19.1 21.1    
                    0 0 0 0 0    
                    20.9 0.101 11.3 22.2 18.1    

growth rates

...                   26.6% 42.1% -2.40% -18.3% 11.0%    
...                   -184% 389% -41.3% 127% 50.8%    
...                   26.7% 58.4% -16.3% -13.5% 15.4%    
...                   55.0% 55.5% -8.17% -17.4% 40.7%    
...                   -17.2% 66.9% -38.1% 2.28% -66.7%    
...                   22.6% -54.9% 203% -4.62% -92.7%    
...                   123% -99.5% 11,134% 95.2% -18.3%    

market share

                    0.153% 0.240% 0.202% 0.168% 0.188%    
                    0.033% < 0.001% 0.018% 0.033% 0.025%    
... ... ... ... ...           0.449% 0.450% 0.342% 0.350% 0.439%    
... ... ... ... ...           1.57% 1.48% 0.587% 0.647% 0.684%    

Download Data
balance sheet Unit
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

                    52.2 908 1,371 1,546 1,938    
                    1,356 614 756 816 404    
                    5,225 7,718 7,647 6,878 8,003    
... ... ... ... ... ... ... ... ...   288 404 270 259 263    
... ... ... ... ... ... ... ... ...   5,071 7,543 7,630 6,901 8,042    
                    425 373 635 913 1,160    
                    83.9 31.0 25.3 43.8 64.6    
                    7,173 9,715 10,533 10,286 11,743    
                    795 864 907 1,360 1,547    
                  ... ... 0 0 0 0    
                    6,379 8,851 9,625 8,927 10,196    
                    3.28 0 0 0 0    
                    6,168 8,468 9,272 8,835 10,100    
                    170 294 294 32.1 0    
                    38.2 88.4 58.8 59.8 96.0    

asset quality

... ... ... ... ...           1,095 1,601 1,577 950 987    
... ... ... ... ...           5,359 7,947 7,900 7,160 8,304    
... ... ... ... ...           134 229 254 281 301    

growth rates

...                   65.2% 47.7% -0.917% -10.1% 16.4%    
... ... ... ... ... ... ... ... ... ... 70.9% 40.0% -33.1% -4.17% 1.45%    
... ... ... ... ... ... ... ... ... ... 63.9% 48.8% 1.15% -9.56% 16.5%    
...                   81.6% 35.4% 8.41% -2.34% 14.2%    
...                   52.9% 8.77% 4.95% 49.9% 13.8%    
...                   86.2% 37.3% 9.50% -4.72% 14.3%    

market share

                    0.221% 0.307% 0.290% 0.247% 0.271%    
... ... ... ... ... ... ... ... ...   0.607% 0.870% 0.872% 0.749% 0.824%    
... ... ... ... ... ... ... ... ...   0.025% 0.034% 0.022% 0.020% 0.018%    
                    0.155% 0.187% 0.195% 0.185% 0.195%    
                    0.197% 0.254% 0.270% 0.251% 0.268%    

Download Data
ratios Unit
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

                    3.18% 0.012% 1.28% 1.95% 1.25%    
                    0.376% 0.001% 0.112% 0.213% 0.164%    
                    3.41% 3.50% 2.68% 2.15% 2.86%    
                    74.4% 73.0% 80.1% 76.4% 93.2%    
... ... ... ... ...           13.7% 11.7% 11.1% 14.1% 13.3%    
... ... ... ... ... ... ... ... ... ... ... 8.63% 8.78% 14.1% 13.4%    
                    4.40% 4.12% 3.35% 2.66% 2.79%    
...                   3.95% 3.78% 3.08% 2.35% 2.47%    
                    7.73% 7.21% 6.17% 5.20% 4.95%    
...                   3.77% 3.43% 3.09% 2.85% 2.48%    
                    95.9% 86.0% 100% 94.6% 91.0%    
                    -0.224% -0.691% -0.484% -1.27% -1.66%    
                    4.33% 14.7% 0.252% 6.65% 10.6%    
... ... ... ... ...           2,204 2,530 2,645 2,234 1,954    
... ... ... ... ...           43,106 49,494 56,527 53,328 49,306    
                    49.3% 36.4% 34.5% 41.1% 33.8%    
                    11.1% 8.90% 8.61% 13.2% 13.2%    
                    84.7% 91.1% 82.5% 77.9% 79.2%    
                    72.8% 79.4% 72.6% 66.9% 68.2%    
... ... ... ... ...           20.4% 20.1% 20.0% 13.3% 11.9%    
... ... ... ... ...           12.3% 14.3% 16.1% 29.6% 30.5%    
... ... ... ... ...           2.57% 2.97% 3.32% 4.09% 3.76%    
                    0.803% 1.47% 0.316% 0.383% 0.269%    

Download Data
other data Unit
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

... ... ... ... ...           33.0 33.0 13.0 14.0 14.0    
... ... ... ... ...           181 181 138 144 180    
... ... ... ... ...           0.014 0.018 0.019 0.019 0.020    

Download Data
Banka Creditas in Numbers

This Annual statistical dossier offers a summary of Banka Creditas's performance between 2002 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Banka Creditas's performance between 2002 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Creditas's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Banka Creditas in Quarterly Numbers

This Quarterly statistical dossier offers a summary of Banka Creditas's performance between Dec 07 and Jun 19 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Quarterly statistical dossier offers a summary of Banka Creditas's performance between Dec 07 and Jun 19 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Creditas's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Comparison of 22 Banks in Czech Republic

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

Read more »

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 24 Banks in Czech Republic

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Based on a comparison of 22 banks in the Czech Republic in 2017, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Air Bank.

Fio banka's loan to deposit ratio reached 12.7% at the end of 2017, down

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Based on a comparison of 22 banks in the Czech Republic in 2017, Fio banka operated with the lowest loan to deposit ratio, followed by PPF Banka and Air Bank.

Fio banka's loan to deposit ratio reached 12.7% at the end of 2017, down from 17.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 4,690% in 2004 and an all time low of 1.16% in 2009.

Comparing Fio banka with its closest peers, PPF Banka ended the year 2017 with loans to deposits at 21.1%, Air Bank with 43.3% and Banka Creditas some 44.7% of loans to deposits at the end of 2017.

Overall, total loans of the Czech banking sector amounted to 74.0% of deposits at the end of 2017.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 22 banks in the Czech Republic in 2018, Ceska Sporitelna had the most branches, followed by Komercni Banka and Ceskomoravska Stavebni Sporitelna.

Ceska Sporitelna operated a network of 501 branches at the end of 2018.

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Based on a comparison of 22 banks in the Czech Republic in 2018, Ceska Sporitelna had the most branches, followed by Komercni Banka and Ceskomoravska Stavebni Sporitelna.

Ceska Sporitelna operated a network of 501 branches at the end of 2018. That's compared to 646 branches some 10 years ago.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka operated a network of 379 branches in 2018, Ceskomoravska Stavebni Sporitelna had 297 branches and CSOB had a network of 235 branches in 2018.

You can see all the banks branches data on the Branches indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 28 banks in the Czech Republic in 2018, Profi Credit Czech had the highest share of bad loans, followed by Provident Financial Czech Republic and Cofidis Czech Republic.

Profi Credit Czech's non-performing loans reached

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Based on a comparison of 28 banks in the Czech Republic in 2018, Profi Credit Czech had the highest share of bad loans, followed by Provident Financial Czech Republic and Cofidis Czech Republic.

Profi Credit Czech's non-performing loans reached 72.2% of total loans at the end of 2018, up from 71.3% when compared to the previous year. Historically, the NPL ratio hit an all time high of 73.2% in 2016 and an all time low of 32.7% in 2007.

Provision coverage amounted to 36.0% at the end of 2018, down from 40.2% compared to a year earlier.

Comparing Profi Credit Czech with its closest peers, Provident Financial Czech Republic operated at the end of 2018 with NPL ratio of 36.0% and provision coverage of 96.3%, Cofidis Czech Republic with 27.2% and 102% and Hello Bank! had 14.9% of bad loans covered with 80.1% by provisions at the end of 2018.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.25% of total loans in 2018, down from 3.74% when compared to the last year.

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

Based on a comparison of 22 banks in the Czech Republic in 2018, 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 12.6% at the end of 2018,

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Based on a comparison of 22 banks in the Czech Republic in 2018, 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 12.6% at the end of 2018, down from 12.7% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 4,690% in 2004 and an all time low of 1.16% in 2009.

Comparing Fio banka with its closest peers, PPF Banka ended the year 2018 with loans to deposits at 25.9%, Banka Creditas with 39.5% and Air Bank some 44.9% of loans to deposits at the end of 2018.

Overall, total loans of the Czech banking sector amounted to 74.4% of deposits at the end of 2018.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
Creditas's net profit rose 514% to CZK 78.4 mil in 2Q2019
Creditas's total revenues rose 21.0% to CZK 284 mil in 2Q2019
Creditas's total revenues rose 21.0% to CZK 284 mil in 2Q2019
Creditas's customer deposits rose 10.6% to CZK 48,488 mil in 2Q2019
Creditas's customer loans rose 5.08% to CZK 13,646 mil in 2Q2019
Creditas's customer loans rose 5.08% to CZK 13,646 mil in 2Q2019
Creditas's employees rose 4.42% to 307 in 2Q2019
Creditas's net interest income rose 22.1% to CZK 276 mil in 2Q2019
Creditas's costs (as % of assets) fell 2.56% to 1.45% in 2Q2019
Creditas's costs (as % of assets) fell 2.56% to 1.45% in 2Q2019
Creditas's npls (as % of loans) fell 18.6% to 9.82% in 2Q2019
Creditas's npls (as % of loans) fell 18.6% to 9.82% in 2Q2019
Creditas's net interest margin rose 7.36% to 2.17% in 2Q2019
Creditas's capital adequacy ratio fell 2.43% to 18.1% in 2Q2019
Creditas's equity (as % of assets) fell 7.24% to 7.99% in 2Q2019
Creditas's customer loan growth fell 38.6% to 19.8% in 2Q2019
Creditas's Cost of Risk fell 103% to -0.010% in 2Q2019
Creditas's net profit rose 159% to CZK 171 mil in 2018
Creditas's net profit rose 159% to CZK 171 mil in 2018
Creditas's total revenues rose 94.0% to CZK 796 mil in 2018
Creditas's customer deposits rose 38.1% to CZK 35,002 mil in 2018
Creditas's customer loans rose 22.1% to CZK 13,840 mil in 2018
Creditas's net interest income rose 129% to CZK 775 mil in 2018
Creditas's net interest margin rose 37.1% to 2.13% in 2018
Creditas's employees rose 16.0% to 261 in 2018
Creditas's corporate loans rose 22.3% to CZK 13,872 mil in 2018
Creditas's costs (as % of assets) fell 27.3% to 1.47% in 2018
Creditas's npls (as % of loans) fell 4.98% to 9.28% in 2018
Creditas's capital adequacy ratio rose 32.1% to 16.5% in 2018
Creditas's customer loan growth fell 46.9% to 22.1% in 2018
Creditas's provisions (as % of loans) rose 1.30% to 2.39% in 3Q2018