Banka Creditas
 | |
| Type | Joint-stock company |
|---|---|
| Industry | Banking |
| Founded | 1996 (as 1. Třebíčská záložna) |
| Headquarters | , Czech Republic |
| Key people | Eva Collardová (CEO); Vladimír Hořejší (chairman) |
| Revenue | 10,097,000,000 Czech koruna (2024)  |
| 770,000,000 Czech koruna (2024) | |
| Total assets | 190,166,000,000 Czech koruna (2024) |
Number of employees | 617 (2024) |
| Parent | Creditas Group |
| Website | creditas |
Banka CREDITAS a.s. is a Czech bank headquartered in Prague. It provides savings and current accounts, investment services and business lending. The bank developed from a credit union founded in 1996 and began operating under a banking licence on 1 January 2017.[1][2] It's a part of the privately owned Creditas Group.[3]
History
[edit]The institution was founded in Třebíč in 1996 as 1. Třebíčská záložna. In 2010, it moved to Olomouc and adopted the name Creditas. Investor Pavel Hubáček acquired a majority stake in the credit union in 2015.[4]
By 2016, Creditas was the largest credit union in the Czech Republic. With assets exceeding CZK 10 billion, Creditas was above the new legal limit of CZK 5 billion for credit unions. It therefore had to become a bank or reduce its assets. The Czech National Bank granted Creditas a licence effective from 1 January 2017.[1]
Creditas bought Ekorent in 2021. The company provides loans and leasing to private medical practices.[5] In 2022, it acquired Expobank CZ, which was renamed Max banka. The two banks merged on 1 October 2024, with Banka Creditas as the surviving company.[6][7]
In 2024, Banka Creditas acquired a majority stake in the Czech credit union NEY.[8] In September 2025, Creditas acquired MeDirect, a banking group operating in Malta and Belgium.[9][3]
Operations
[edit]Banka Creditas offers retail banking, savings and investment products, and financing for businesses. Its executives have described higher interest rates on deposits as a longstanding part of its strategy.[10]
At the end of 2025, the bank and its subsidiaries reported consolidated assets of CZK 286.4 billion and net profit of CZK 4.59 billion. The profit included a CZK 3.65 billion gain recognised on the acquisition of MeDirect.[3]
Regulatory actions
[edit]In 2021, the Czech National Bank ordered Creditas to replace its supervisory board, citing inadequate oversight by the board. The regulator cited shortcomings in the board's oversight and in the assessment of some significant credit risks.[11]
References
[edit]- 1 2 Vainert, Luděk; Miler, Marek (19 October 2016). "V Česku v lednu vznikne nová banka. Bankovní licenci dostala největší kampelička Creditas". Hospodářské noviny (in Czech).
- ↑ "Na český trh vstupuje nová banka. Záložna Creditas získala licenci od ČNB". iROZHLAS (in Czech). 1 January 2017.
- 1 2 3 Výroční finanční zpráva 2025 (PDF) (Report) (in Czech). Banka CREDITAS. 2026.
- ↑ "Většinový podíl v záložně Creditas získal investor Pavel Hubáček". e15 (in Czech). ČTK. 10 June 2015.
- ↑ "Miliardář Hubáček posílil ve zdravotnictví. Koupil firmu financující lékaře". Forbes Česko (in Czech). 2021.
- ↑ "Banka Creditas se stala novým vlastníkem Expobank CZ. Pro klienty se nic nemění". Forbes Česko (in Czech). ČTK. 20 September 2022.
- ↑ "Sloučení Banky Creditas s Max Bankou dokončeno. Internetové bankovnictví dočasně nefunguje". e15 (in Czech). 1 October 2024.
- ↑ "Banka Creditas ovládla spořitelní družstvo NEY". e15 (in Czech). ČTK. 2 July 2024.
- ↑ "MeDirect's new owner Creditas sets out plans for Malta operation". Times of Malta. Retrieved 30 September 2026.
- ↑ "Vladimír Hořejší: Je-li třeba zvýšit daně, tak se má zvýšit zdanění zisků obecně, ne sektorově". Ekonom (in Czech). 2022.
- ↑ Kučera, Petr (12 April 2021). "ČNB nařídila Bance Creditas vyměnit dozorčí radu". Peníze.cz (in Czech).