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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    

Download Data
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

Read more »

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 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,

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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.

Based on a comparison of 15 banks in the Czech Republic in 3Q2018, PPF Banka operated with the lowest loan to deposit ratio, followed by Fio banka and Expobank Czech Republic.

PPF Banka's loan to deposit ratio reached 13.1% at the end of

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Based on a comparison of 15 banks in the Czech Republic in 3Q2018, PPF Banka operated with the lowest loan to deposit ratio, followed by Fio banka and Expobank Czech Republic.

PPF Banka's loan to deposit ratio reached 13.1% at the end of 3Q2018, down from 13.4% when compared to the previous quarter and down from 15.3% when compared to the same period of last year. Historically, the bank’s loans to deposits hit an all time high of 62.4% in 1Q2011 and an all time low of 12.0% in 1Q2018.

When compared to the nearest peers, Fio banka ended the year 3Q2018 with loans to deposits at 13.1%, Expobank Czech Republic with 41.1% and Banka Creditas some 41.3% of loans to deposits at the end of 3Q2018.

You can see all the banks loan to deposit ratio at 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 15 banks in the Czech Republic in 3Q2018, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Air Bank.

MONETA Money Bank's net interest margin amounted to 4.00% in 3Q2018,

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Based on a comparison of 15 banks in the Czech Republic in 3Q2018, MONETA Money Bank operated with the highest net interest margin, followed by Equa Bank and Air Bank.

MONETA Money Bank's net interest margin amounted to 4.00% in 3Q2018, up from 3.84% when compared to the previous quarter and down from 4.26% 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 3.74% in 1Q2018. The average margin in the last five years amounted to 3.94%.

Average asset yield was 4.20% in 3Q2018, down from 4.38% when compared to previous year. On the other hand, cost of funding amounted to 0.232% in 3Q2018, up from 0.149%.

When compared to the nearest peers, Equa Bank operated in 3Q2018 with a net interest margin of 3.04% Air Bank reached 2.66% and Banka Creditas some 2.61%.

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 15 banks in the Czech Republic in 3Q2018, 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

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Based on a comparison of 15 banks in the Czech Republic in 3Q2018, 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 3Q2018. That's compared to 642 branches some 10 years ago.

When compared to bank's main peers, Komercni Banka operated a network of 390 branches in 3Q2018, Ceskomoravska Stavebni Sporitelna had 299 branches and CSOB had a network of 263 branches in 3Q2018.

You can see all the banks branches data at Branches 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 57.6% to CZK 63.0 mil in 3Q2018
Creditas's net profit rose 57.6% to CZK 63.0 mil in 3Q2018
Creditas's capital adequacy ratio fell 3.01% to 14.5% 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 net profit rose 266% to CZK 66.2 mil in 2017
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