By Helgi Library - September 4, 2024
Banka Creditas generated total banking revenues of CZK 509 mil in 2024-03-31, down 22.7% compared to the previous year. Cz...
By Helgi Library - September 4, 2024
Banka Creditas generated total banking revenues of CZK 509 mil in 2024-03-31, down 22.7% compared to the previous year. Cz...
By Helgi Library - September 4, 2024
Banka Creditas's customer deposits reached CZK 119,788 mil in 2024-03-31, up 3.76% compared to the previous year. Czech banking...
| Profit Statement | 2021 | 2022 | 2023 | |
| Net Interest Income | CZK mil | 941 | 1,615 | 2,293 |
| Net Fee Income | CZK mil | 14.4 | 34.3 | 69.0 |
| Other Income | CZK mil | -6.50 | 109 | 518 |
| Total Revenues | CZK mil | 949 | 1,758 | 2,880 |
| Staff Cost | CZK mil | 348 | 519 | 781 |
| Operating Profit | CZK mil | 83.0 | 558 | 1,028 |
| Provisions | CZK mil | 59.4 | 181 | -112 |
| Net Profit | CZK mil | 23.3 | 1,595 | 1,038 |
| Balance Sheet | 2021 | 2022 | 2023 | |
| Interbank Loans | CZK mil | 23,758 | 72,126 | 120,120 |
| Customer Loans | CZK mil | 23,375 | 30,159 | 34,866 |
| Investments | CZK mil | 13,572 | 19,784 | 28,237 |
| Total Assets | CZK mil | 62,883 | 126,258 | 191,080 |
| Shareholders' Equity | CZK mil | 4,562 | 6,192 | 10,244 |
| Interbank Borrowing | CZK mil | 369 | 2,649 | 146 |
| Customer Deposits | CZK mil | 56,131 | 114,050 | 175,564 |
| Issued Debt Securities | CZK mil | 1,202 | 1,967 | 3,901 |
| Ratios | 2021 | 2022 | 2023 | |
| ROE | % | 0.512 | 29.7 | 12.6 |
| ROA | % | 0.036 | 1.69 | 0.654 |
| Costs (As % Of Assets) | % | 1.34 | 1.27 | 1.17 |
| Costs (As % Of Income) | % | 91.3 | 68.2 | 64.3 |
| Capital Adequacy Ratio | % | 21.4 | 26.5 | 33.8 |
| Net Interest Margin | % | 1.45 | 1.71 | 1.45 |
| Loans (As % Of Deposits) | % | 41.6 | 26.4 | 19.9 |
| NPLs (As % Of Loans) | % | 8.78 | 5.67 | 2.50 |
| Provisions (As % Of NPLs) | % | 21.1 | 34.3 | 53.1 |
| Growth Rates | 2021 | 2022 | 2023 | |
| Total Revenue Growth | % | -13.1 | 85.2 | 63.8 |
| Operating Cost Growth | % | 5.42 | 38.5 | 54.4 |
| Operating Profit Growth | % | -69.3 | 573 | 84.1 |
| Net Profit Growth | % | -79.6 | 6,745 | -34.9 |
| Customer Loan Growth | % | 48.5 | 29.0 | 15.6 |
| Total Asset Growth | % | -5.73 | 101 | 51.3 |
| Customer Deposit Growth | % | -8.61 | 103 | 53.9 |
| Shareholders' Equity Growth | % | 0.529 | 35.7 | 65.4 |
| Employees | 421 | 649 | 659 | |
Get all company financials in excel:
| summary | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| income statement | |||||||||||||||||||||||
| Net Interest Income | CZK mil | 338 | 775 | 1,035 | 905 | 941 | |||||||||||||||||
| Total Revenues | CZK mil | 410 | 796 | 1,109 | 1,092 | 949 | |||||||||||||||||
| Operating Profit | CZK mil | -28.3 | 263 | 367 | 271 | 83.0 | |||||||||||||||||
| Net Profit | CZK mil | 66.2 | 171 | 263 | 114 | 23.3 | |||||||||||||||||
| balance sheet | |||||||||||||||||||||||
| Interbank Loans | CZK mil | 18,025 | 23,809 | 53,712 | 42,700 | 23,758 | |||||||||||||||||
| Customer Loans | CZK mil | 11,334 | 13,840 | 14,664 | 15,739 | 23,375 | |||||||||||||||||
| Investments | CZK mil | 864 | 1,676 | 2,635 | 6,280 | 13,572 | |||||||||||||||||
| Total Assets | CZK mil | 31,697 | 40,968 | 73,387 | 66,707 | 62,883 | |||||||||||||||||
| Shareholders' Equity | CZK mil | 2,243 | 3,411 | 4,424 | 4,538 | 4,562 | |||||||||||||||||
| Interbank Borrowing | CZK mil | 4,007 | 2,405 | 0.600 | 45.6 | 369 | |||||||||||||||||
| Customer Deposits | CZK mil | 25,349 | 35,002 | 68,525 | 61,416 | 56,131 | |||||||||||||||||
| Issued Debt Securities | CZK mil | 28.9 | 16.1 | 0 | 327 | 1,202 | |||||||||||||||||
| ratios | |||||||||||||||||||||||
| ROE | % | ... | 3.49 | 6.06 | 6.71 | 2.55 | 0.512 | ||||||||||||||||
| ROA | % | ... | 0.305 | 0.471 | 0.459 | 0.163 | 0.036 | ||||||||||||||||
| Costs (As % Of Assets) | % | ... | 2.02 | 1.47 | 1.30 | 1.17 | 1.34 | ||||||||||||||||
| Costs (As % Of Income) | % | 107 | 67.0 | 66.9 | 75.2 | 91.3 | |||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 12.5 | 16.5 | 19.5 | 20.1 | 21.4 | ||||||||||||
| Net Interest Margin | % | ... | 1.56 | 2.13 | 1.81 | 1.29 | 1.45 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 82.4 | 97.4 | 93.3 | 82.8 | 99.2 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | -1.44 | -1.17 | 0.712 | 0.439 | 1.52 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.1 | 35.6 | 35.4 | 33.7 | 40.2 | |||||||||||||||||
| Equity (As % Of Assets) | % | 7.08 | 8.33 | 6.03 | 6.80 | 7.25 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 44.7 | 39.5 | 21.4 | 25.6 | 41.6 | |||||||||||||||||
| Loans (As % Assets) | % | 35.8 | 33.8 | 20.0 | 23.6 | 37.2 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 9.76 | 7.65 | 8.68 | 17.5 | 8.78 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 17.6 | 26.6 | 24.6 | 14.8 | 21.1 | ||||||||||||
| valuation | |||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | 9.88 | 129 | 33.5 | -12.6 | 4.03 |
| 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 |
| income statement | |||||||||||||||||||||||
| Interest Income | CZK mil | 655 | 1,056 | 1,776 | 1,581 | 1,437 | |||||||||||||||||
| Interest Cost | CZK mil | 317 | 281 | 741 | 676 | 495 | |||||||||||||||||
| Net Interest Income | CZK mil | 338 | 775 | 1,035 | 905 | 941 | |||||||||||||||||
| Net Fee Income | CZK mil | -5.90 | -9.30 | 7.90 | 4.80 | 14.4 | |||||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 42.6 | 38.8 | 53.2 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 34.7 | 34.0 | 38.8 | ||
| Other Income | CZK mil | 78.1 | 30.0 | 66.0 | 183 | -6.50 | |||||||||||||||||
| Total Revenues | CZK mil | 410 | 796 | 1,109 | 1,092 | 949 | |||||||||||||||||
| Staff Cost | CZK mil | 158 | 190 | 263 | 277 | 348 | |||||||||||||||||
| Depreciation | CZK mil | 51.7 | 92.5 | 180 | 231 | 245 | |||||||||||||||||
| Other Cost | CZK mil | 229 | 251 | 299 | 314 | 273 | |||||||||||||||||
| Operating Cost | CZK mil | 439 | 533 | 742 | 822 | 866 | |||||||||||||||||
| Operating Profit | CZK mil | -28.3 | 263 | 367 | 271 | 83.0 | |||||||||||||||||
| Provisions | CZK mil | -103 | 35.4 | 30.9 | 106 | 59.4 | |||||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | -1.60 | |||||||||||||||||
| Pre-Tax Profit | CZK mil | 74.8 | 227 | 336 | 165 | 25.2 | |||||||||||||||||
| Tax | CZK mil | 8.60 | 55.8 | 73.7 | 50.2 | 1.90 | |||||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Net Profit | CZK mil | 66.2 | 171 | 263 | 114 | 23.3 | |||||||||||||||||
| Net Profit Avail. to Common | CZK mil | 66.2 | 171 | 263 | 114 | 23.3 | |||||||||||||||||
| growth rates | |||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 9.88 | 129 | 33.5 | -12.6 | 4.03 | ||||||||||||||||
| Net Fee Income Growth | % | ... | 5.36 | 57.6 | -185 | -39.2 | 200 | ||||||||||||||||
| Total Revenue Growth | % | ... | 21.4 | 94.0 | 39.3 | -1.51 | -13.1 | ||||||||||||||||
| Operating Cost Growth | % | ... | 39.2 | 21.6 | 39.1 | 10.8 | 5.42 | ||||||||||||||||
| Operating Profit Growth | % | ... | -223 | -1,028 | 39.9 | -26.3 | -69.3 | ||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 2,393 | 204 | 48.1 | -51.1 | -84.7 | ||||||||||||||||
| Net Profit Growth | % | ... | 266 | 159 | 53.4 | -56.5 | -79.6 | ||||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Revenues | % | 0.229 | 0.418 | 0.549 | 0.605 | 0.515 | |||||||||||||||||
| Market Share in Net Profit | % | 0.088 | 0.210 | 0.288 | 0.241 | 0.033 | |||||||||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | 0.537 | 0.697 | 0.878 | 0.948 | 1.06 | ||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | 0.823 | 1.07 | 1.84 | 2.08 | 2.32 |
| 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 |
| balance sheet | |||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 752 | 1,027 | 1,477 | 1,082 | 920 | |||||||||||||||||
| Interbank Loans | CZK mil | 18,025 | 23,809 | 53,712 | 42,700 | 23,758 | |||||||||||||||||
| Customer Loans | CZK mil | 11,334 | 13,840 | 14,664 | 15,739 | 23,375 | |||||||||||||||||
| Retail Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 188 | 256 | 211 | 670 | 4,367 | ||||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11,344 | 13,872 | 14,773 | 15,489 | 19,448 | ||||||||
| Investments | CZK mil | 864 | 1,676 | 2,635 | 6,280 | 13,572 | |||||||||||||||||
| Property and Equipment | CZK mil | 125 | 353 | 469 | 405 | 766 | |||||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 224 | 242 | 239 | ||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 58.2 | ||
| Total Assets | CZK mil | 31,697 | 40,968 | 73,387 | 66,707 | 62,883 | |||||||||||||||||
| Shareholders' Equity | CZK mil | 2,243 | 3,411 | 4,424 | 4,538 | 4,562 | |||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
| Liabilities | CZK mil | 29,454 | 37,557 | 68,963 | 62,169 | 58,321 | |||||||||||||||||
| Interbank Borrowing | CZK mil | 4,007 | 2,405 | 0.600 | 45.6 | 369 | |||||||||||||||||
| Customer Deposits | CZK mil | 25,349 | 35,002 | 68,525 | 61,416 | 56,131 | |||||||||||||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10,142 | 18,272 | 7,520 | 8,521 | ||
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 24,860 | 50,253 | 53,897 | 47,610 | ||
| Issued Debt Securities | CZK mil | 28.9 | 16.1 | 0 | 327 | 1,202 | |||||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 327 | 1,202 | ||
| Other Liabilities | CZK mil | 69.4 | 134 | 438 | 380 | 618 | |||||||||||||||||
| asset quality | |||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | ... | ... | 1,126 | 1,081 | 1,300 | 2,826 | 2,091 | ||||||||||||
| Gross Loans | CZK mil | ... | ... | ... | ... | ... | 11,532 | 14,128 | 14,984 | 16,159 | 23,815 | ||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16,189 | 18,639 | 21,104 | 22,160 | 26,856 | ||||||
| Total Provisions | CZK mil | ... | ... | ... | ... | ... | 198 | 287 | 320 | 420 | 441 | ||||||||||||
| growth rates | |||||||||||||||||||||||
| Customer Loan Growth | % | ... | 41.6 | 22.1 | 5.95 | 7.34 | 48.5 | ||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -28.4 | 36.1 | -17.7 | 218 | 552 | |||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 41.1 | 22.3 | 6.50 | 4.84 | 25.6 | |||||||
| Total Asset Growth | % | ... | 170 | 29.2 | 79.1 | -9.10 | -5.73 | ||||||||||||||||
| Shareholders' Equity Growth | % | ... | 45.0 | 52.1 | 29.7 | 2.58 | 0.529 | ||||||||||||||||
| Customer Deposit Growth | % | ... | 151 | 38.1 | 95.8 | -10.4 | -8.61 | ||||||||||||||||
| market share | |||||||||||||||||||||||
| Market Share in Customer Loans | % | 0.367 | 0.419 | 0.425 | 0.438 | 0.607 | |||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.11 | 1.28 | 1.32 | 1.38 | 1.64 | ||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.012 | 0.016 | 0.012 | 0.036 | 0.214 | ||||||||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.012 | 0.016 | 0.012 | 0.036 | 0.214 | ... | ... | ||||||
| Market Share in Total Assets | % | 0.453 | 0.563 | 0.970 | 0.837 | 0.738 | |||||||||||||||||
| Market Share in Customer Deposits | % | 0.608 | 0.787 | 1.45 | 1.19 | 1.02 |
| ratios | Unit | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
| ROE | % | ... | 3.49 | 6.06 | 6.71 | 2.55 | 0.512 | ||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2.69 | 0.541 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.31 | 6.56 | 8.81 | 3.52 | 0.634 | |||||
| ROA | % | ... | 0.305 | 0.471 | 0.459 | 0.163 | 0.036 | ||||||||||||||||
| Return on Loans | % | 0.685 | 1.36 | 1.84 | 0.752 | 0.119 | |||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -0.212 | 1.51 | 1.85 | 1.25 | 0.339 | |||||
| Costs (As % Of Assets) | % | ... | 2.02 | 1.47 | 1.30 | 1.17 | 1.34 | ||||||||||||||||
| Costs (As % Of Income) | % | 107 | 67.0 | 66.9 | 75.2 | 91.3 | |||||||||||||||||
| Costs (As % Of Loans) | % | ... | 4.54 | 4.24 | 5.20 | 5.40 | 4.43 | ||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 1.60 | 1.25 | 1.12 | 1.02 | 1.11 | ||||||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 12.5 | 16.5 | 19.5 | 20.1 | 21.4 | ||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.5 | 16.5 | 19.5 | 18.7 | 17.2 | ||||||
| Net Interest Margin | % | ... | 1.56 | 2.13 | 1.81 | 1.29 | 1.45 | ||||||||||||||||
| Interest Spread | % | ... | 1.42 | 2.07 | 1.72 | 1.23 | 1.39 | ||||||||||||||||
| Asset Yield | % | ... | 3.02 | 2.91 | 3.11 | 2.26 | 2.22 | ||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.07 | 4.57 | 5.58 | 5.05 | 3.87 | |||||
| Cost Of Liabilities | % | ... | 1.60 | 0.839 | 1.39 | 1.03 | 0.822 | ||||||||||||||||
| Interest Income (As % Of Revenues) | % | 82.4 | 97.4 | 93.3 | 82.8 | 99.2 | |||||||||||||||||
| Fee Income (As % Of Revenues) | % | -1.44 | -1.17 | 0.712 | 0.439 | 1.52 | |||||||||||||||||
| Other Income (As % Of Revenues) | % | 19.0 | 3.77 | 5.95 | 16.7 | -0.685 | |||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 36.1 | 35.6 | 35.4 | 33.7 | 40.2 | |||||||||||||||||
| Equity (As % Of Assets) | % | 7.08 | 8.33 | 6.03 | 6.80 | 7.25 | |||||||||||||||||
| Equity (As % Of Loans) | % | 19.8 | 24.6 | 30.2 | 28.8 | 19.5 | |||||||||||||||||
| Loans (As % Of Deposits) | % | 44.7 | 39.5 | 21.4 | 25.6 | 41.6 | |||||||||||||||||
| Loans (As % Assets) | % | 35.8 | 33.8 | 20.0 | 23.6 | 37.2 | |||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 9.76 | 7.65 | 8.68 | 17.5 | 8.78 | ||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 17.6 | 26.6 | 24.6 | 14.8 | 21.1 | ||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ... | 1.75 | 2.07 | 2.18 | 2.67 | 1.88 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | -1.07 | 0.281 | 0.217 | 0.699 | 0.304 |
| 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 |
| Branches | ... | ... | ... | ... | ... | 16.0 | 21.0 | 35.0 | 35.0 | 37.0 | |||||||||||||
| Employees | ... | ... | ... | ... | ... | 225 | 292 | 365 | 386 | 421 | |||||||||||||
| Employees Per Bank Branch | ... | ... | ... | ... | ... | 14.1 | 13.9 | 10.4 | 11.0 | 11.4 | |||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 2,500 | 2,477 | 2,661 | 2,717 | 3,177 | ||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | ... | ... | ... | ... | 58,667 | 54,195 | 59,977 | 59,780 | 68,844 |
| 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 |
| Customers | mil | ... | ... | ... | ... | ... | 0.040 | 0.056 | 0.090 | 0.109 | 0.130 | ||||||||||||
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 10,387 | 14,213 | 12,322 | 10,006 | 7,301 | ||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 1,676 | 3,059 | 2,919 | 1,047 | 179 | ||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 286,939 | 247,150 | 162,928 | 144,175 | 179,806 | ||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | 641,739 | 625,034 | 761,389 | 562,591 | 431,777 | ||||||||||||
| Revenue per Customer | USD | ... | ... | ... | ... | ... | 443 | 650 | 547 | 455 | 337 | ||||||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | 71.4 | 140 | 129 | 47.6 | 8.27 | ||||||||||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | 13,477 | 11,001 | 7,203 | 6,741 | 8,191 | ||||||||||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | 30,141 | 27,821 | 33,658 | 26,305 | 19,670 |
Get all company financials in excel:
By Helgi Library - September 4, 2024
Banka Creditas's customer deposits reached CZK 119,788 mil in 2024-03-31, up 3.76% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,196 bil in 2024-03-31, up 7.39% when compared to the last year. Banka Creditas accou...
By Helgi Library - September 4, 2024
Banka Creditas's customer loans reached CZK 33,000 mil in 2024-03-31, up 3.76% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Banka Creditas accounted fo...
By Helgi Library - September 4, 2024
Banka Creditas's customer loans reached CZK 33,000 mil in 2024-03-31, up 3.76% compared to the previous year. Czech banking sector provided customer loans of CZK 4,428 bil in 2024-03-31, up 1.63% when compared to the last year. Banka Creditas accounted fo...
By Helgi Library - September 4, 2024
Banka Creditas's non-performing loans reached 2.65% 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...
By Helgi Library - September 4, 2024
Banka Creditas's non-performing loans reached 2.65% 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...
By Helgi Library - September 4, 2024
Banka Creditas's net interest margin amounted to 1.08% in the second quarter of 2024, down from 1.17% 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 ...
By Helgi Library - September 4, 2024
Banka Creditas's net interest margin amounted to 1.08% in the second quarter of 2024, down from 1.17% 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 ...
By Helgi Library - September 4, 2024
Banka Creditas employed 408 persons in 2024-06-30, up 2.00% when compared to the previous year. Historically, the bank's workforce hit an all time high of 470 persons in 2023-06-30 and an all time low of 10.0 in 2008-12-31. Average cost reached USD 4,568 per month...
By Helgi Library - September 4, 2024
Banka Creditas employed 408 persons in 2024-06-30, up 2.00% when compared to the previous year. Historically, the bank's workforce hit an all time high of 470 persons in 2023-06-30 and an all time low of 10.0 in 2008-12-31. Average cost reached USD 4,568 per month...
By Helgi Library - September 4, 2024
Banka Creditas's capital adequacy ratio reached 24.0% at the end of second quarter of 2024, down from 25.3% 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 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.
Banka Creditas has been growing its revenues and asset by 21.7% and 34.7% a year on average in the last 10 years. Its loans and deposits have grown by 16.3% and 35.4% a year during that time and loans to deposits ratio reached 19.9% at the end of 2023. The company achieved an average return on equity of 6.61% in the last decade with net profit growing 152% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.3% in 2023, compared to 78.9% average in the last decade.
Equity represented 5.36% of total assets or 29.4% of loans at the end of 2023. Banka Creditas's non-performing loans were 2.50% of total loans while provisions covered some 53.1% of NPLs at the end of 2023.
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