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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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Annual Quarterly

summary

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income statement

Net Interest Income	CZK mil
Total Revenues	CZK mil
Operating Profit	CZK mil
Net Profit	CZK mil

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

Interbank Loans	CZK mil
Customer Loans	CZK mil
Debt Securities	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil

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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

					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

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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

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

					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%

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balance sheet

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balance sheet

Cash	CZK mil
Interbank Loans	CZK mil
Customer Loans	CZK mil
Retail Loans	CZK mil
Corporate Loans	CZK mil
Debt Securities	CZK mil
Fixed Assets	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Of Which Minority Interest	CZK mil
Liabilities	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

									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

Non-Performing Loans	CZK mil
Gross Loans	CZK mil
Total Provisions	CZK mil

...	...	...	...	...	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

Customer Loan Growth	%
Retail Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%

...									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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Consumer Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%

									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%

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ratios

Unit

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

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2015

2016

2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	CZK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

									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%

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other data

Unit

2002

2003

2004

2005

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2017

other data

Branches
Employees
Clients	mil

...	...	...	...	...	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 24 Banks in Czech Republic

October 1, 2018

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

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

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

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.

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What Banks in Czechia Had the Most Bad Loans in 3Q2016?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 29.1% of total

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 29.1% of total loans at the end of 3Q2016, down from 29.6% when compared to the previous quarter and down from 29.6% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 16.1% at the end of 3Q2016, up from 16.1% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 3Q2016 with NPL ratio of 16.1% and provision coverage of 23.7%, Banka Creditas with 13.9% and 25.5% and Expobank Czech Republic had 8.70% of bad loans covered with 44.3% by provisions at the end of 3Q2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.81% of total loans in 3Q2016, down from 5.63% when compared to the last year.

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

What Banks in Czechia Had the Most Bad Loans in 2Q2016?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 2Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 29.6% of total

Based on a comparison of 21 banks in the Czech Republic in 2Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 29.6% of total loans at the end of 2Q2016, down from 31.5% when compared to the previous quarter and down from 35.1% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 18.5% at the end of 2Q2016, up from 12.3% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 2Q2016 with NPL ratio of 18.5% and provision coverage of 22.9%, Banka Creditas with 11.3% and 32.7% and Expobank Czech Republic had 9.49% of bad loans covered with 18.4% by provisions at the end of 2Q2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.99% of total loans in 2Q2016, down from 5.58% when compared to the last year.

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

What Banks in Czechia Had the Most Bad Loans in 1Q2016?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 1Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 31.5% of total

Based on a comparison of 21 banks in the Czech Republic in 1Q2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 31.5% of total loans at the end of 1Q2016, down from 34.7% when compared to the previous quarter and down from 40.2% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 17.7% at the end of 1Q2016, up from 12.8% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 1Q2016 with NPL ratio of 17.7% and provision coverage of 22.8%, Banka Creditas with 11.0% and 35.5% and Fio banka had 9.01% of bad loans covered with 21.8% by provisions at the end of 1Q2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 5.16% of total loans in 1Q2016, down from 5.66% when compared to the last year.

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

What Banks in Czechia Had the Most Bad Loans in 3Q2017?

November 16, 2018

Based on a comparison of 21 banks in the Czech Republic in 3Q2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 24.3% of total

Based on a comparison of 21 banks in the Czech Republic in 3Q2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 24.3% of total loans at the end of 3Q2017, down from 25.0% when compared to the previous quarter and down from 29.1% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 13.8% at the end of 3Q2017, down from 16.1% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 3Q2017 with NPL ratio of 13.8% and provision coverage of 22.5%, Banka Creditas with 11.7% and 20.7% and Fio banka had 6.78% of bad loans covered with 30.3% by provisions at the end of 3Q2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.77% of total loans in 3Q2017, down from 4.81% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) 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 fell 55.3% to CZK 18.1 mil in 4Q2017

Creditas's net interest margin rose 27.2% to 1.60% in 4Q2017

Creditas's costs (as % of assets) rose 53.4% to 1.65% in 4Q2017

Creditas's net interest income rose 33.6% to CZK 122 mil in 4Q2017

Creditas's capital adequacy ratio fell 3.25% to 12.5% in 4Q2017

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