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Banka Creditas

Creditas's total revenues rose 7.97% yoy to CZK 520 mil in 3Q2024

By Helgi Library - May 22, 2025

Banka Creditas generated total banking revenues of CZK 520 mil in 2024-09-30, up 22.4% compared to the previous year. Czec...

Banka Creditas - Market Share in Bank Deposits

By Helgi Library - May 22, 2025

Banka Creditas's customer deposits reached CZK 122,888 mil in 2024-09-30, down 2.19% compared to the previous year. Czech banki...

Banka Creditas - Market Share in Bank Loans

By Helgi Library - May 22, 2025

Banka Creditas's customer loans reached CZK 34,389 mil in 2024-09-30, up 2.65% compared to the previous year. Czech banking sec...

Annual Quarterly LTM
Profit Statement 2022 2023 2024
Net Interest Income CZK mil 1,615 2,293 2,411
Net Fee Income CZK mil 34.3 69.0 98.0
Other Income CZK mil 109 518 837
Total Revenues CZK mil 1,758 2,880 3,346
Staff Cost CZK mil 519 781 767
Operating Profit CZK mil 558 1,028 1,176
Provisions CZK mil 181 -112 -199
Net Profit CZK mil 1,595 1,038 770
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 72,126 120,120 104,786
Customer Loans CZK mil 30,159 34,866 38,168
Investments CZK mil 19,784 28,237 30,998
Total Assets CZK mil 126,258 191,080 190,166
Shareholders' Equity CZK mil 6,192 10,244 11,034
Interbank Borrowing CZK mil 2,649 146 563
Customer Deposits CZK mil 114,050 175,564 168,814
Issued Debt Securities CZK mil 1,967 3,901 8,105
Ratios 2022 2023 2024
ROE % 29.7 12.6 7.24
ROA % 1.69 0.654 0.404
Costs (As % Of Assets) % 1.27 1.17 1.14
Costs (As % Of Income) % 68.2 64.3 64.9
Capital Adequacy Ratio % 26.5 33.8 29.9
Net Interest Margin % 1.71 1.45 1.26
Loans (As % Of Deposits) % 26.4 19.9 22.6
NPLs (As % Of Loans) % 5.67 2.67 2.77
Provisions (As % Of NPLs) % 34.3 49.7 60.4
Growth Rates 2022 2023 2024
Total Revenue Growth % 85.2 63.8 16.2
Operating Cost Growth % 38.5 54.4 17.2
Operating Profit Growth % 573 84.1 14.4
Net Profit Growth % 6,745 -34.9 -100
Customer Loan Growth % 29.0 15.6 9.47
Total Asset Growth % 101 51.3 -0.478
Customer Deposit Growth % 103 53.9 -3.84
Shareholders' Equity Growth % 35.7 65.4 7.71
Employees 649 659 617

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summary Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                              
Net Interest Income CZK mil                                 775 1,035 905 941 1,615    
Total Revenues CZK mil                                 796 1,109 1,092 949 1,758    
Operating Profit CZK mil                                 263 367 271 83.0 558    
Net Profit CZK mil                                 171 263 114 23.3 1,595    
balance sheet                                              
Interbank Loans CZK mil                                 23,809 53,712 42,700 23,758 72,126    
Customer Loans CZK mil                                 13,840 14,664 15,739 23,375 30,159    
Investments CZK mil                                 1,676 2,635 6,280 13,572 19,784    
Total Assets CZK mil                                 40,968 73,387 66,707 62,883 126,258    
                                                 
Shareholders' Equity CZK mil                                 3,411 4,424 4,538 4,562 6,192    
Interbank Borrowing CZK mil                                 2,405 0.600 45.6 369 2,649    
Customer Deposits CZK mil                                 35,002 68,525 61,416 56,131 114,050    
Issued Debt Securities CZK mil                                 16.1 0 327 1,202 1,967    
ratios                                              
ROE % ...                               6.06 6.71 2.55 0.512 29.7    
ROA % ...                               0.471 0.459 0.163 0.036 1.69    
Costs (As % Of Assets) % ...                               1.47 1.30 1.17 1.34 1.27    
Costs (As % Of Income) %                                 67.0 66.9 75.2 91.3 68.2    
Capital Adequacy Ratio % ... ... ... ... ...                       16.5 19.5 20.1 21.4 26.5    
Net Interest Margin % ...                               2.13 1.81 1.29 1.45 1.71    
Interest Income (As % Of Revenues) %                                 97.4 93.3 82.8 99.2 91.8    
Fee Income (As % Of Revenues) %                                 -1.17 0.712 0.439 1.52 1.95    
Staff Cost (As % Of Total Cost) %                                 35.6 35.4 33.7 40.2 43.3    
Equity (As % Of Assets) %                                 8.33 6.03 6.80 7.25 4.90    
Loans (As % Of Deposits) %                                 39.5 21.4 25.6 41.6 26.4    
Loans (As % Assets) %                                 33.8 20.0 23.6 37.2 23.9    
NPLs (As % Of Loans) % ... ... ... ... ...                       7.65 8.68 17.5 8.78 5.67    
Provisions (As % Of NPLs) % ... ... ... ... ...                       26.6 24.6 14.8 21.1 34.3    
valuation                                              
Book Value Per Share Growth % ...                               129 33.5 -12.6 4.03 71.5    
income statement Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                              
Interest Income CZK mil                                 1,056 1,776 1,581 1,437 4,446    
Interest Cost CZK mil                                 281 741 676 495 2,832    
Net Interest Income CZK mil                                 775 1,035 905 941 1,615    
Net Fee Income CZK mil                                 -9.30 7.90 4.80 14.4 34.3    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 42.6 38.8 53.2 95.0    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 34.7 34.0 38.8 60.7    
Other Income CZK mil                                 30.0 66.0 183 -6.50 109    
Total Revenues CZK mil                                 796 1,109 1,092 949 1,758    
Staff Cost CZK mil                                 190 263 277 348 519    
Depreciation CZK mil                                 92.5 180 231 245 251    
Other Cost CZK mil                                 251 299 314 273 429    
Operating Cost CZK mil                                 533 742 822 866 1,200    
Operating Profit CZK mil                                 263 367 271 83.0 558    
Provisions CZK mil                                 35.4 30.9 106 59.4 181    
Extra and Other Cost CZK mil                                 0 0 0 -1.60 -1,227    
Pre-Tax Profit CZK mil                                 227 336 165 25.2 1,604    
Tax CZK mil                                 55.8 73.7 50.2 1.90 8.60    
Minorities CZK mil                                 0 0 0 0 0    
Net Profit CZK mil                                 171 263 114 23.3 1,595    
Net Profit Avail. to Common CZK mil                                 171 263 114 23.3 1,595    
growth rates                                              
Net Interest Income Growth % ...                               129 33.5 -12.6 4.03 71.5    
Net Fee Income Growth % ...                               57.6 -185 -39.2 200 138    
Total Revenue Growth % ...                               94.0 39.3 -1.51 -13.1 85.2    
Operating Cost Growth % ...                               21.6 39.1 10.8 5.42 38.5    
Operating Profit Growth % ...                               -1,028 39.9 -26.3 -69.3 573    
Pre-Tax Profit Growth % ...                               204 48.1 -51.1 -84.7 6,265    
Net Profit Growth % ...                               159 53.4 -56.5 -79.6 6,745    
market share                                              
Market Share in Revenues %                                 0.418 0.549 0.605 0.515 0.752   ...
Market Share in Net Profit %                                 0.214 0.293 0.248 0.034 1.58    
Market Share in Employees % ... ... ... ... ...                       0.697 0.878 0.948 1.06 1.65   ...
Market Share in Branches % ... ... ... ... ...                       1.07 1.84 2.08 2.32 2.42   ...
balance sheet Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
balance sheet                                              
Cash & Cash Equivalents CZK mil                                 1,027 1,477 1,082 920 2,272    
Interbank Loans CZK mil                                 23,809 53,712 42,700 23,758 72,126    
Customer Loans CZK mil                                 13,840 14,664 15,739 23,375 30,159    
Retail Loans CZK mil ... ... ... ... ... ... ... ... ...               256 211 670 4,367 8,210    
Corporate Loans CZK mil ... ... ... ... ... ... ... ... ...               13,872 14,773 15,489 19,448 22,546    
Investments CZK mil                                 1,676 2,635 6,280 13,572 19,784    
Property and Equipment CZK mil                                 353 469 405 766 909    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 224 242 239 384    
Goodwill CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 58.2 0    
Total Assets CZK mil                                 40,968 73,387 66,707 62,883 126,258    
                                                 
Shareholders' Equity CZK mil                                 3,411 4,424 4,538 4,562 6,192    
Of Which Minority Interest CZK mil                                 0 0 0 0 0    
Liabilities CZK mil                                 37,557 68,963 62,169 58,321 120,066    
Interbank Borrowing CZK mil                                 2,405 0.600 45.6 369 2,649    
Customer Deposits CZK mil                                 35,002 68,525 61,416 56,131 114,050    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Sight Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 10,142 18,272 7,520 8,521 42,963   ...
Term Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 24,860 50,253 53,897 47,610 71,087   ...
Issued Debt Securities CZK mil                                 16.1 0 327 1,202 1,967    
Subordinated Debt CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 327 1,202 1,967    
Other Liabilities CZK mil                                 134 438 380 618 1,401    
asset quality                                              
Non-Performing Loans CZK mil ... ... ... ... ...                       1,081 1,300 2,826 2,091 1,743    
Gross Loans CZK mil ... ... ... ... ...                       14,128 14,984 16,159 23,815 30,756    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ...           18,639 21,104 22,160 26,856 30,173    
Total Provisions CZK mil ... ... ... ... ...                       287 320 420 441 597    
growth rates                                              
Customer Loan Growth % ...                               22.1 5.95 7.34 48.5 29.0    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ...             36.1 -17.7 218 552 88.0    
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ...             22.3 6.50 4.84 25.6 15.9    
Total Asset Growth % ...                               29.2 79.1 -9.10 -5.73 101    
Shareholders' Equity Growth % ...                               52.1 29.7 2.58 0.529 35.7    
Customer Deposit Growth % ...                               38.1 95.8 -10.4 -8.61 103    
market share                                              
Market Share in Customer Loans %                                 0.419 0.425 0.438 0.607 0.741    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ...               1.28 1.32 1.38 1.64 1.82    
Market Share in Retail Loans % ... ... ... ... ... ... ... ... ...               0.016 0.012 0.036 0.214 0.383    
Market Share in Consumer Loans % ... ... ... ... ... ... ... ... ...               0.016 0.012 0.036 0.214 ... ... ...
Market Share in Total Assets %                                 0.563 0.970 0.837 0.738 1.42   ...
Market Share in Customer Deposits %                                 0.787 1.45 1.19 1.02 1.95    
ratios Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                               
ROE % ...                               6.06 6.71 2.55 0.512 29.7    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2.69 0.541 31.5    
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ...         6.56 8.81 3.52 0.634 37.3    
ROA % ...                               0.471 0.459 0.163 0.036 1.69    
Return on Loans %                                 1.36 1.84 0.752 0.119 5.96    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ...         1.51 1.85 1.25 0.339 1.96    
Costs (As % Of Assets) % ...                               1.47 1.30 1.17 1.34 1.27    
Costs (As % Of Income) %                                 67.0 66.9 75.2 91.3 68.2    
Costs (As % Of Loans) % ...                               4.24 5.20 5.40 4.43 4.48    
Costs (As % Of Loans & Deposits) % ...                               1.25 1.12 1.02 1.11 1.07    
Capital Adequacy Ratio % ... ... ... ... ...                       16.5 19.5 20.1 21.4 26.5    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ...           16.5 19.5 18.7 17.2 20.6    
Net Interest Margin % ...                               2.13 1.81 1.29 1.45 1.71    
Interest Spread % ...                               2.07 1.72 1.23 1.39 1.53    
Asset Yield % ...                               2.91 3.11 2.26 2.22 4.70    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ...         4.57 5.58 5.05 3.87 6.17    
Cost Of Liabilities % ...                               0.839 1.39 1.03 0.822 3.17    
Interest Income (As % Of Revenues) %                                 97.4 93.3 82.8 99.2 91.8    
Fee Income (As % Of Revenues) %                                 -1.17 0.712 0.439 1.52 1.95    
Other Income (As % Of Revenues) %                                 3.77 5.95 16.7 -0.685 6.21    
Staff Cost (As % Of Total Cost) %                                 35.6 35.4 33.7 40.2 43.3    
Equity (As % Of Assets) %                                 8.33 6.03 6.80 7.25 4.90    
Equity (As % Of Loans) %                                 24.6 30.2 28.8 19.5 20.5    
Loans (As % Of Deposits) %                                 39.5 21.4 25.6 41.6 26.4    
Loans (As % Assets) %                                 33.8 20.0 23.6 37.2 23.9    
NPLs (As % Of Loans) % ... ... ... ... ...                       7.65 8.68 17.5 8.78 5.67    
Provisions (As % Of NPLs) % ... ... ... ... ...                       26.6 24.6 14.8 21.1 34.3    
Provisions (As % Of Loans) % ... ... ... ... ...                       2.07 2.18 2.67 1.88 1.98    
Cost of Provisions (As % Of Loans) % ...                               0.281 0.217 0.699 0.304 0.676    
other data Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                               
Branches ... ... ... ... ...                       21.0 35.0 35.0 37.0 37.0    
Employees ... ... ... ... ...                       292 365 386 421 649    
Employees Per Bank Branch ... ... ... ... ...                       13.9 10.4 11.0 11.4 17.5    
Cost Per Employee USD per month ... ... ... ... ...                       2,477 2,661 2,717 3,177 2,992    
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ...                       54,195 59,977 59,780 68,844 66,680    
customer breakdown Unit 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                               
Customers mil ... ... ... ... ...                       0.056 0.090 0.109 0.130 0.175    
Revenue per Customer (Local Currency) CZK ... ... ... ... ...                       14,213 12,322 10,006 7,301 10,046    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ...                       3,059 2,919 1,047 179 9,114    
Loan per Customer (Local Currency) CZK ... ... ... ... ...                       247,150 162,928 144,175 179,806 172,337    
Deposit per Customer (Local Currency) CZK ... ... ... ... ...                       625,034 761,389 562,591 431,777 651,714    
Revenue per Customer USD ... ... ... ... ...                       650 547 455 337 451    
Net Profit per Customer USD ... ... ... ... ...                       140 129 47.6 8.27 409    
Loan per Customer USD ... ... ... ... ...                       11,001 7,203 6,741 8,191 7,620    
Deposit per Customer USD ... ... ... ... ...                       27,821 33,658 26,305 19,670 28,817    

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Creditas's npls (as % of loans) fell 37.2% yoy to 2.77% in 2Q2024

By Helgi Library - May 22, 2025

Banka Creditas's non-performing loans reached 2.77% of total loans at the end of 2024-06-30, down from 4.41% compared to the previous year. Historically, the NPL ratio hit an all time high of 36.9% in 2012-03-31 and an all time low of 1.40% in 2010-09-30. P...

Creditas's net interest margin fell 4.57% yoy to 1.12% in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas's net interest margin amounted to 1.12% in the first quarter of 2025, down from 2.24% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 8.18% in 4Q2011 and an all time low of 0...

Creditas's employees rose 21.0% yoy to 484 in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas employed 484 persons in 2025-03-31, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 484 persons in 2025-03-31 and an all time low of 10.0 in 2008-12-31. Average cost reached USD 4,707 per month ...

Creditas's capital adequacy ratio fell 8.05% yoy to 29.0% in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas's capital adequacy ratio reached 29.0% at the end of first quarter of 2025, down from 29.9% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 33.8% in 4Q2023 and an all time low of 10.4% in 1Q2014. ...

Banka Creditas - Market Share in Retail Loans

By Helgi Library - May 22, 2025

Banka Creditas's retail loans reached CZK 9,331 mil in the third quarter of 2024, down 1.77% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Banka Creditas acco...

Creditas's net profit rose 69.7% yoy to CZK 212 mil in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas made a net profit of CZK 212 mil in the first quarter of 2025, up 69.7% when compared to the same period of last year. This implies a return on equity of 7.59%. Historically, the bank’s net profit reached an all time high of CZK 1,450 mil in 3Q2022...

Creditas's net profit rose 69.7% yoy to CZK 212 mil in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas made a net profit of CZK 212 mil under revenues of CZK 588 mil in the first quarter of 2025, up 69.7% and 15.6% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 1,450 m...

Creditas's net interest income rose 35.2% yoy to CZK 519 mil in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas generated total banking revenues of in the first quarter of 1970, down 0% when compared to the same period of last year and 0% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee and other n...

Creditas's costs (as % of assets) fell 12.3% yoy to 0.945% in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas's cost to income ratio reached 74.6% in the first quarter of 2025, up from 59.4% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 233% of income in 2Q2010 and an all time low of -1,085% in 3Q201...

Creditas's customer loan growth fell 63.5% yoy to 7.77% in 1Q2025

By Helgi Library - May 22, 2025

Banka Creditas's customer loan growth reached 7.77% in 2025-03-31, down from 21.3% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 360% in 2011-03-31 and an all time low of -10.8% in 2015-06-30. In the last...

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Banka Creditas is a small-sized bank based in the Czech Republic. Before getting a banking license in 2016, Creditas operated as a savings institution Záložna Creditas, which was one of the largest credit unions in the country. From a small 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. It is member of the UNICAPITAL investment group.

Finance

Banka Creditas has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.

Equity represented of total assets or of loans at the end of 2024. Banka Creditas's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.

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