We use cookies to personalise the web experience for you. By using www.helgilibrary.com, you agree to our use of cookies.
Some cookies are also used by Google Analytics, which anonymously tracks visitors and helps us to analyse how users use our website. Read more

Banka Creditas

Banking > Czech Republic > Banka Creditas
Change Company
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

Read more »
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.

Buy all financials of Banka Creditas

from $199 /month

Buy annual subscriptions for all our products.

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 23 banks in the Czech Republic in 2018, Ceska Sporitelna was the largest bank by assets, followed by CSOB and Komercni Banka.

Ceska Sporitelna assets reached CZK 1,426,460 mil, up 7.32% when compared to the

Read more »

Based on a comparison of 23 banks in the Czech Republic in 2018, Ceska Sporitelna was the largest bank by assets, followed by CSOB and Komercni Banka.

Ceska Sporitelna assets reached CZK 1,426,460 mil, up 7.32% when compared to the last year. Historically, the bank’s assets reached an all time high of CZK 1,426,460 mil in 2018 and an all time low of CZK 438,055 mil in 2000.

Comparing Ceska Sporitelna with its closest peers, CSOB assets amounted to CZK 1,378,040 mil, Komercni Banka operated with CZK 1,059,930 mil assets and UniCredit Czech Republic had total assets of CZK 671,615 mil.

Total assets of the Czech banking sector amounted to CZK 7,332 bil in 2018, up 9.04% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 19.5% of the sector’s assets in 2018. The top 3 companies held a 52.7% share while the five largest firms some 66.9% in 2018.

You can see all the banks assets on the Total Assets 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 employees, followed by CSOB and Komercni Banka.

Ceska Sporitelna employed 10,115 persons in 2018, down 0.551% when compared to the previous

Read more »

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

Ceska Sporitelna employed 10,115 persons in 2018, down 0.551% when compared to the previous year. Historically, the bank's workforce hit an all time high of 14,131 persons in 2000 and an all time low of 10,115 in 2018.

Average cost reached CZK 78,703 per month per month per employee, 4.14% more than a year ago. This figure was CZK 60,554 per month some 10 years ago.

Comparing Ceska Sporitelna with its closest peers, CSOB had 8,623 employees with average cost of CZK 84,164 per month per person, Komercni Banka operated with 8,411 people (and CZK 77,536 per month per employee) and UniCredit Czech Republic had 3,251 employees in 2018 with cost CZK 3,251 per month per head.

Czech banking sector employed 41,864 people in 2018.

You can see all the banks employees data on the Employees 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 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by J&T Banka and PPF Banka.

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

Read more »

Based on a comparison of 22 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by J&T Banka and PPF 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 10.7% at the end of 2017, up from 10.0% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, J&T Banka operated at the end of 2017 with NPL ratio of 10.7% and provision coverage of 39.3%, PPF Banka with 10.4% and 29.9% and Banka Creditas had 9.76% of bad loans covered with 17.6% 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 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.

Moravsky Penezni Ustav's non-performing loans reached 24.4% of total

Read more »

Based on a comparison of 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.

Moravsky Penezni Ustav's non-performing loans reached 24.4% of total loans at the end of 2016, down from 39.4% 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 11.9% at the end of 2016, down from 13.3% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, Banka Creditas operated at the end of 2016 with NPL ratio of 11.9% and provision coverage of 30.5%, J&T Banka with 10.0% and 34.2% and Fio banka had 9.94% of bad loans covered with 15.5% by provisions at the end of 2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.59% of total loans in 2016, down from 5.48% 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.

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