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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

income statement

                  193 245 348 339 277    
                  201 255 404 339 293    
                  78.9 65.4 109 67.5 69.1    
                  9.37 20.9 0.101 11.3 22.2    

balance sheet

                  267 1,356 614 756 816    
                  3,162 5,225 7,718 7,647 6,878    
                  0.000 425 373 635 913    
                  3,950 7,173 9,715 10,533 10,286    
                  520 795 864 907 1,360    
                  85.3 3.28 0.000 0.000 0.000    
                  3,312 6,168 8,468 9,272 8,835    
                  0.000 170 294 294 32.1    

ratios

                  2.20% 3.18% 0.012% 1.28% 1.95%    
                  0.305% 0.376% 0.001% 0.112% 0.213%    
                  3.98% 3.41% 3.50% 2.68% 2.15%    
                  60.8% 74.4% 73.0% 80.1% 76.4%    
... ... ... ... ...         12.9% 13.7% 11.7% 11.1% 14.1%    
                  6.29% 4.40% 4.12% 3.35% 2.66%    
                  96.0% 95.9% 86.0% 100% 94.6%    
                  0.336% -0.224% -0.691% -0.484% -1.27%    
                  33.5% 49.3% 36.4% 34.5% 41.1%    
                  13.2% 11.1% 8.90% 8.61% 13.2%    
                  95.5% 84.7% 91.1% 82.5% 77.9%    
                  80.1% 72.8% 79.4% 72.6% 66.9%    
... ... ... ... ...         35.6% 20.4% 20.1% 20.0% 13.3%    
... ... ... ... ...         8.65% 12.3% 14.3% 16.1% 29.6%    

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

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
                  292 430 609 625 541    
                  99.0 185 261 285 264    
                  193 245 348 339 277    
                  0.676 -0.571 -2.79 -1.64 -3.71    
                  7.47 11.0 59.4 0.853 19.5    
                  201 255 404 339 293    
                  41.0 93.6 108 93.6 92.2    
                  2.15 7.27 12.2 15.5 14.1    
                  79.3 88.9 175 162 118    
                  122 190 295 271 224    
                  78.9 65.4 109 67.5 69.1    
                  53.1 33.7 94.8 24.2 27.8    
                  < -0.001 < -0.001 < 0.001 0.000 0.000    
                  25.9 31.7 14.3 43.3 41.3    
                  16.5 10.8 14.2 31.9 19.1    
                  0.000 0.000 0.000 0.000 0.000    
                  9.37 20.9 0.101 11.3 22.2    

growth rates

...                 249% 26.6% 42.1% -2.40% -18.3%    
...                 -93.2% -184% 389% -41.3% 127%    
...                 228% 26.7% 58.4% -16.3% -13.5%    
...                 186% 55.0% 55.5% -8.17% -17.4%    
...                 323% -17.2% 66.9% -38.1% 2.28%    
...                 7.37% 22.6% -54.9% 203% -4.62%    
...                 -52.8% 123% -99.5% 11,134% 95.2%    

market share

                  0.124% 0.153% 0.240% 0.202% 0.168%    
                  0.018% 0.033% < 0.001% 0.018% 0.033%    
... ... ... ... ...         0.296% 0.451% 0.455% 0.342% 0.350%    
... ... ... ... ...         0.927% 1.57% 1.55% 0.612% 0.647%    

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

balance sheet

                  429 52.2 908 1,371 1,546    
                  267 1,356 614 756 816    
                  3,162 5,225 7,718 7,647 6,878    
... ... ... ... ... ... ... ... ... 169 288 404 270 259    
... ... ... ... ... ... ... ... ... 3,094 5,071 7,543 7,630 6,901    
                  0.000 425 373 635 913    
                  75.4 83.9 31.0 25.3 43.8    
                  3,950 7,173 9,715 10,533 10,286    
                  520 795 864 907 1,360    
                  ... ... 0.000 0.000 0.000    
                  3,430 6,379 8,851 9,625 8,927    
                  85.3 3.28 0.000 0.000 0.000    
                  3,312 6,168 8,468 9,272 8,835    
                  0.000 170 294 294 32.1    
                  32.8 38.2 88.4 58.8 59.8    

asset quality

... ... ... ... ...         1,163 1,095 1,601 1,577 950    
... ... ... ... ...         3,263 5,359 7,947 7,900 7,160    
... ... ... ... ...         101 134 229 254 281    

growth rates

...                 60.0% 65.2% 47.7% -0.917% -10.1%    
... ... ... ... ... ... ... ... ... ... 70.9% 40.0% -33.1% -4.17%    
... ... ... ... ... ... ... ... ... ... 63.9% 48.8% 1.15% -9.56%    
...                 79.9% 81.6% 35.4% 8.41% -2.34%    
...                 57.2% 52.9% 8.77% 4.95% 49.9%    
...                 79.0% 86.2% 37.3% 9.50% -4.72%    

market share

                  0.144% 0.232% 0.310% 0.294% 0.247%    
... ... ... ... ... ... ... ... ... 0.374% 0.607% 0.870% 0.872% 0.749%    
... ... ... ... ... ... ... ... ... 0.015% 0.025% 0.034% 0.022% 0.020%    
                  0.088% 0.155% 0.189% 0.198% 0.185%    
                  0.123% 0.218% 0.277% 0.270% 0.251%    

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

ratios

                  2.20% 3.18% 0.012% 1.28% 1.95%    
                  0.305% 0.376% 0.001% 0.112% 0.213%    
                  3.98% 3.41% 3.50% 2.68% 2.15%    
                  60.8% 74.4% 73.0% 80.1% 76.4%    
... ... ... ... ...         12.9% 13.7% 11.7% 11.1% 14.1%    
... ... ... ... ... ... ... ... ... ... ... 8.63% 8.78% 14.1%    
                  6.29% 4.40% 4.12% 3.35% 2.66%    
...                 5.77% 3.95% 3.78% 3.08% 2.35%    
                  9.51% 7.73% 7.21% 6.17% 5.20%    
...                 3.74% 3.77% 3.43% 3.09% 2.85%    
                  96.0% 95.9% 86.0% 100% 94.6%    
                  0.336% -0.224% -0.691% -0.484% -1.27%    
                  3.71% 4.33% 14.7% 0.252% 6.65%    
... ... ... ... ...         1,650 2,204 2,530 2,645 2,234    
... ... ... ... ...         29,175 43,106 49,494 56,527 53,328    
                  33.5% 49.3% 36.4% 34.5% 41.1%    
                  13.2% 11.1% 8.90% 8.61% 13.2%    
                  95.5% 84.7% 91.1% 82.5% 77.9%    
                  80.1% 72.8% 79.4% 72.6% 66.9%    
... ... ... ... ...         35.6% 20.4% 20.1% 20.0% 13.3%    
... ... ... ... ...         8.65% 12.3% 14.3% 16.1% 29.6%    
... ... ... ... ...         3.18% 2.57% 2.97% 3.32% 4.09%    
                  2.07% 0.803% 1.47% 0.316% 0.383%    

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

other data

... ... ... ... ...         19.0 33.0 33.0 13.0 14.0    
... ... ... ... ...         117 181 181 138 144    
... ... ... ... ...         0.008 0.014 0.018 0.019 0.019    

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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.

Banka Creditas in Numbers

September 23, 2018
Banka Creditas in Numbers

This Annual statistical dossier offers a summary of Banka Creditas's performance between 2002 and 2017 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

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This Annual statistical dossier offers a summary of Banka Creditas's performance between 2002 and 2017 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.

Based on a comparison of 23 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Fio banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at

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Based on a comparison of 23 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Fio banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at the end of 2017, up from 24.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.

Provision coverage amounted to 13.8% at the end of 2017, up from 7.63% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, PPF Banka operated at the end of 2017 with NPL ratio of 13.8% and provision coverage of 22.6%, Fio banka with 11.8% and 32.7% and J&T Banka had 10.7% of bad loans covered with 39.3% by provisions at the end of 2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.74% of total loans in 2017, down from 4.59% 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 21 banks in the Czech Republic in 3Q2016, MONETA Money Bank operated with the highest net interest margin, followed by Banka Creditas and Equa Bank.

MONETA Money Bank's net interest margin amounted to 5.65% in

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Based on a comparison of 21 banks in the Czech Republic in 3Q2016, MONETA Money Bank operated with the highest net interest margin, followed by Banka Creditas and Equa Bank.

MONETA Money Bank's net interest margin amounted to 5.65% in 3Q2016, down from 5.86% when compared to the previous quarter and up from 5.56% when compared to the same period of last year.

Historically, the bank’s net interest margin reached an all time high of 7.49% in 4Q2004 and an all time low of 4.59% in 2Q2010. The average margin in the last five years amounted to 5.88%.

Average asset yield was 5.79% in 3Q2016, up from 5.70% when compared to previous year. On the other hand, cost of funding amounted to 0.161% in 3Q2016, down from 0.169%.

When compared to the nearest peers, Banka Creditas operated in 3Q2016 with a net interest margin of 2.80% Equa Bank reached 2.78% and Moravsky Penezni Ustav some 2.60%.

The average net interest margin reached 1.85% in the Czech banking sector in 3Q2016 while interest spread amounted to %.

You can see all the banks interest margin data at Net Interest Margin indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 21 banks in the Czech Republic in 2Q2016, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Banka Creditas.

MONETA Money Bank's net interest margin amounted to 5.86% in

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Based on a comparison of 21 banks in the Czech Republic in 2Q2016, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Banka Creditas.

MONETA Money Bank's net interest margin amounted to 5.86% in 2Q2016, down from 6.13% when compared to the previous quarter and up from 5.42% when compared to the same period of last year.

Historically, the bank’s net interest margin reached an all time high of 7.49% in 4Q2004 and an all time low of 4.59% in 2Q2010. The average margin in the last five years amounted to 5.83%.

Average asset yield was 5.99% in 2Q2016, up from 5.57% when compared to previous year. On the other hand, cost of funding amounted to 0.161% in 2Q2016, down from 0.190%.

When compared to the nearest peers, Equa Bank operated in 2Q2016 with a net interest margin of 2.66% Banka Creditas reached 2.65% and Ceska Sporitelna some 2.51%.

The average net interest margin reached 1.86% in the Czech banking sector in 2Q2016 while interest spread amounted to %.

You can see all the banks interest margin data at Net Interest Margin indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 21 banks in the Czech Republic in 1Q2016, PPF Banka was paying its employees the best, followed by Moravsky Penezni Ustav and Wustenrot Stavebni Sporitelna.

PPF Banka employed 212 persons in 1Q2016, down 18.9%

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Based on a comparison of 21 banks in the Czech Republic in 1Q2016, PPF Banka was paying its employees the best, followed by Moravsky Penezni Ustav and Wustenrot Stavebni Sporitelna.

PPF Banka employed 212 persons in 1Q2016, down 18.9% when compared to the previous quarter and up 1.22% when compared to the same period of last year. Historically, the bank's workforce hit an all time high of 212 persons in 1Q2016 and an all time low of 124 in 4Q2009.

Average cost reached CZK 117,660 per month per employee, 1.22% more than a year ago.

Staff accounted for 24.3% of total operating expenditures in 1Q2016.

When compared to bank's main peers, Moravsky Penezni Ustav had 102 employees with average cost of CZK 95,190 per month per person, Wustenrot Stavebni Sporitelna operated with 238 people (and CZK 95,154 per month per employee) and Expobank Czech Republic had 201 employees in 1Q2016 with cost of CZK 89,174 per month per head.

The average staff cost per employee reached CZK 71,256 per month in the Czech banking sector in 1Q2016.

You can see all the banks cost per employee data at Cost Per Employee indicator page or you can download a report on the Czech banks in the report section.

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Creditas's net profit rose 57.6% to CZK 63.0 mil in 3Q2018
Creditas's costs (as % of assets) rose 3.05% to 1.50% in 3Q2018
Creditas's net interest income rose 16.0% to CZK 208 mil in 3Q2018
Creditas's net interest margin rose 15.2% to 2.61% in 3Q2018
Creditas's capital adequacy ratio fell 3.01% to 14.5% in 3Q2018
Creditas's net profit rose 266% to CZK 66.2 mil in 2017
Creditas's customer deposits rose 151% to CZK 25,349 mil in 2017
Creditas's customer loans rose 41.6% to CZK 11,334 mil in 2017
Creditas's net interest margin fell 44.3% to 1.56% in 2017
Creditas's total revenues rose 21.4% to CZK 410 mil in 2017
Creditas's employees rose 25.0% to 225 in 2017
Creditas's corporate loans rose 41.6% to CZK 11,385 mil in 2017
Creditas's costs (as % of assets) fell 29.4% to 2.02% in 2017
Creditas's npls (as % of loans) fell 17.9% to 9.76% in 2017
Creditas's net interest income rose 9.88% to CZK 338 mil in 2017
Creditas's capital adequacy ratio fell 5.96% to 12.5% in 2017
Creditas's customer loan growth rose 155% to 41.6% in 2017