Banka Creditas

Banka CREDITAS
TypeJoint-stock company
IndustryBanking
Founded1996 (as 1. Třebíčská záložna)
Headquarters
Prague
,
Czech Republic
Key peopleEva Collardová (CEO); Vladimír Hořejší (chairman)
Revenue10,097,000,000 Czech koruna (2024) Edit this on Wikidata
770,000,000 Czech koruna (2024) Edit this on Wikidata
Total assets190,166,000,000 Czech koruna (2024) Edit this on Wikidata
Number of employees
617 (2024) Edit this on Wikidata
ParentCreditas Group
Websitecreditas.cz

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. It's a part of the privately owned Creditas Group.

History

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.

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.

Creditas bought Ekorent in 2021. The company provides loans and leasing to private medical practices. 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.

In 2024, Banka Creditas acquired a majority stake in the Czech credit union NEY. In September 2025, Creditas acquired MeDirect, a banking group operating in Malta and Belgium.

Operations

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.

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.

Regulatory actions

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.

References

  1. 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). Economia. Retrieved 25 September 2026.
  2. ↑ Hanžlová, Jitka (1 January 2017). "Na český trh vstupuje nová banka. Záložna Creditas získala licenci od ČNB". iROZHLAS (in Czech). Czech Radio. Retrieved 25 September 2026.
  3. 1 2 3 Výroční finanční zpráva 2025 (PDF) (Report) (in Czech). Banka CREDITAS. 2026. Retrieved 25 September 2026.
  4. ↑ "Většinový podíl v záložně Creditas získal investor Pavel Hubáček". E15 (in Czech). Czech News Center. Czech News Agency. 10 June 2015. Retrieved 25 September 2026.
  5. ↑ Krstanov, Zdravko (2021). "Miliardář Hubáček posílil ve zdravotnictví. Koupil firmu financující lékaře". Forbes Česko (in Czech). MediaRey, SE. Retrieved 25 September 2026.
  6. ↑ "Banka Creditas se stala novým vlastníkem Expobank CZ. Pro klienty se nic nemění". Forbes Česko (in Czech). MediaRey, SE. Czech News Agency. 20 September 2022. Retrieved 25 September 2026.
  7. ↑ "Sloučení Banky Creditas s Max Bankou dokončeno. Internetové bankovnictví dočasně nefunguje". E15 (in Czech). Czech News Center. 1 October 2024. Retrieved 25 September 2026.
  8. ↑ "Banka Creditas ovládla spořitelní družstvo NEY". E15 (in Czech). Czech News Center. Czech News Agency. 2 July 2024. Retrieved 25 September 2026.
  9. ↑ Borg, Neville (3 April 2026). "MeDirect's new owner Creditas sets out plans for Malta operation". Times of Malta. Allied Newspapers. Retrieved 30 September 2026.
  10. ↑ "Vladimír Hořejší: Je-li třeba zvýšit daně, tak se má zvýšit zdanění zisků obecně, ne sektorově". Ekonom (in Czech). Economia. 2022. Retrieved 25 September 2026.
  11. ↑ Kučera, Petr (12 April 2021). "ČNB nařídila Bance Creditas vyměnit dozorčí radu". Peníze.cz (in Czech). NextPage Media. Retrieved 25 September 2026.