About the Bank

Banka CREDITAS has been active on the financial market since 1996. Initially a credit union, it obtained a banking licence in the autumn of 2016, which enabled its all-round and very significant development. CREDITAS is one of the few banks on the domestic market with Czech capital and a Czech owner, who is the financier and investor Pavel Hubáček.

Business model of Banka CREDITAS has long been based on profitable appreciation of client deposits, lending to domestic medium-sized companies and, in recent years, investment services. Whether it is savings accounts, term deposits, loans or investment instruments, CREDITAS consistently delivers on its slogan: "Want more from your bank".

Thanks to its attractive offer of savings accounts, the bank has been growing dynamically over the long term. In the seven years since obtaining its banking licence, the number of its clients has multiplied tenfold and its total balance sheet has increased roughly 15-fold to more than EUR 5.3 billion at the end of 2023.

One of the important goals of Banka CREDITAS isto provide clients with quality solutions not only for savings, but also for payments and investments, and to gradually become their main bank. The principles on which CREDITAS is based are convenience, simplicity, clarity and user-friendliness.

As a Czech bank, CREDITAS Bank finances mainly Czech companies. Unlike its larger competitors, it is able to create tailor-made conditions for its clients and prides itself on its individual approach.

In July 2021, the bank acquired Ekorent, a leasing company that provides financing mainly to dentist and other medical.

In September 2022, it bought Expobank, later Max Bank, with which it merged on 1 October 2024.

In 2024, Bank CREDITAS also added Spořitelní družstvo NEY to its portfolio.


Growth of the bank

Note: CZK figures translated using CZK/EUR 24.724 (ECB 2023 EOY). The figures as of 1 October 2024 (10/2024) show the data after the merger of Banka CREDITAS with Max banka.

Volume of regulatory capital (EUR million)

Deposit volume (EUR million)

Number of clients (thousand)


Branches

A specific feature of Bank CREDITAS is communication with clients through its branches. While a number of other Czech banks have significantly reduced the size of their regional offices, CREDITAS has made only a minor adjustment and is counting on its 35 branches in the future. In particular elderly clients already use electronic banking for ordinary transactions, but in the case of more complicated products or investments they often prefer to communicate with a banker in person.

Part of CREDITAS Group

We are part of the Czech investment group CREDITAS. The founder and owner of the CREDITAS group is Pavel Hubáček. The beginning of the formation of the group was in 2013, when the investment group UNICAPITAL was founded.

In 2015, Pavel Hubáček acquired a majority stake in the current Banka CREDITAS. Due to the strategic development of the group, the top holding company CREDITAS B.V. was founded. The main pillars of our business are financial services, energy and real estate.

The goal is to look for new opportunities on the market, use them and develop their potential. Thanks to our responsible approach to investment projects, we have been able to achieve long-term growth and high returns on investment. The volume of assets of the CREDITAS group reaches the value of EUR 8 billion (as of 31 December 2023; including the banking section).

Board of Directors of the Bank

Ing. Vladimír Hořejší, MBA

Chairman of the Board of Directors

Since 1 January 2017 he has been the Chairman of the Board of Directors of Banka CREDITAS. He has served as a member of the Board of Directors of CREDITAS Credit Union since 2012 and as its Chairman since 2013. During his professional career, he has held a number of senior positions, e.g. at Konsolidační banka Praha, the Czech Consolidation Agency. He was also Deputy Minister of Informatics for e-government.

Ing. Eva Collardová, MBA

CEO

Since 1 July 2023, she has been Vice-Chairman of the Board of Directors of Bank CREDITAS. She has been a member of the Board of Directors of the Bank since 1 April 2022, and she has also served as Chief Financial Officer of the Bank and the entire CREDITAS Group. She has spent most of her more than 20-year career in the banking sector. Most recently, she worked for more than 17 years at Commerzbank, where she held various senior roles in finance among others CFO for the Czech Republic and Slovakia and CFO of Commerzbank for Europe.

Kamil Rataj, MBA

COO

Since 1 January 2017, he has been a member of the Board of Directors of Bank CREDITAS and at the same time serves as the Director of the Operations and ICT Department. He has been working in banking since 1999, when he worked in leading positions at eBanka and Raiffeisenbank. He was involved actively in the successful merger of the two banks, managing the centralization of significant back-office activities and the optimization of selected branch processes.

Ing. Ivana Pícková

Head of Retail and Commercial Banking

Since 3 August 2021, she has been a member of the Board of Directors of Bank CREDITAS and at the same time serves as Director of Retail Banking. She has been working at CREDITAS since 2018 and previously held the position of Director of Project and Product Management. Ivana has almost thirty years of experience in banking, working in managerial positions in leading banks. For example, she managed the Back Office division at eBanka, held the position of Head of Operations Transformation Cluster at Raiffeisenbank, head of the BPM team at Česká pojišťovna and project manager at Česká spořitelna.

PhDr. Martin Kubíček

CRO

Since 1 January 2023, he has been a member of the Board of Directors of Bank CREDITAS, at the same time serving as Director of the Risk Management Department. For many years, Martin Kubíček held various managerial positions responsible for capital adequacy, risk reporting, credit risk and IT security. For eleven years he worked at MONETA Money Bank, the last four years as a senior manager of the Enterprise Risk Management unit. Since 2019, he is also a member of the Board of Directors at Max bank (formerly Expobank CZ), where he is responsible for the Risk Management, AML and Compliance unit.

Supervisory Board of the Bank


Chairman of the Supervisory Board

Ing. Helena Vojáčková, MBA, FCCA
since 3 August 2021


Member of the Supervisory Board

Ing. Josef Holub, FCCA
since 1 April 2022


Member of the Supervisory Board

Ing. Tomáš Hubáček
since 1 January 2023

Identification and contact details

Legal Entity:
Banka CREDITAS a.s.

Registered office:
Sokolovská 675/9
186 00 Praha 8

IN: 634 92 555
TIN: CZ699006775

Correspondence address:
Banka CREDITAS a.s.
tř. Svobody 1194/12
779 00 Olomouc

Information line: 800 888 009

E-mail: [email protected]

Data Box ID: tfadizi

Commercial Register:
Municipal Court in Prague, Section B, Insert 23903

Bank Code: 2250

SWIFT code: CTASCZ22

Correspondent banks (for correct routing and receipt of incoming foreign payments):

foreign currencies except USD

Raiffeisen Bank International AG, Am Stadtpark 9, 1030 Vienna, Austria

SWIFT code: RZBAATWW

currency USD

The Bank of New York Mellon, 240 Greenwich Street, New York, NY 10286

SWIFT code: IRVTUS3N