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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%

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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

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2011

2012

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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

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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 22 Banks in Czech Republic

January 24, 2019

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

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

January 24, 2019

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.

The file contains data of following banks:

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

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 Were the Most Cost Efficient in 3Q2018?

January 29, 2019

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,

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.

What Banks in Czechia Had the Lowest Loan to Deposit Ratio in 3Q2018?

January 29, 2019

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

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.

What Banks in Czechia Achieved the Highest Interest Margin in 3Q2018?

January 29, 2019

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,

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.

What Banks in Czechia Had the Most Branches in 3Q2018?

January 29, 2019

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

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 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 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