98
Figure 25: Navigator results for the CZK 100,000 credit model with a five-year maturity term (responsible lenders) 10.0
10.0 10.0
9.7
9.7
9.6
9.4
9.3
9.1
8.0
9.0
8.8
8.8
8.8
8.5
8.5
8.5
8.5
8.2
6.0
6.8
4.0
Source: Author
CR
FI
ES
PR
CO
UC
LB
Ex-ante post credit parameters
S
B HC KB
BW
T
GE
CE
BA
M Potential lender
ČS
SB
NK
OB
TI
ČS
CI
RB
no
Zu
0.0
AB OB ER
2.0
Ex-post credit parameters
ble 12 imply that, like in the case of the CZK 30,000 credit, the providers of the CZK 100,000 credit can be divided into two groups: responsible lenders with results > 5.0 and loan sharks with results < 4.99. In this CZK 100,000 credit category, the highest value was reached, again, by Raiffeisenbank together with ZUNO (10.0) followed by Air Bank and Oberbank with a Navigator value of 9.7 and Citibank (9.6). Like in the case of the CZK 30,000 credit, the differences among the banks and non-banks are due, in particular, to the different levels of the total amount and the APR. Again, lower results were obtained by CLFA members, primarily due to lower values of the sub-criterion of ex-post credit parameters and to a higher APR. The remaining 22 entities are far below average (< 2.1) and as such they are potentially risky for the client (Table 20). Figure 26 shows clearly the different APRs for the entities under review. Again, there is some heterogeneity among the banking entities, which is due to the oligopolisation of the Czech banking market, as discussed above, and the low flexibility of Czech clients. Nevertheless, APR differences are much smaller in the case of the CZK 100,000 credit: the APR of 9.3% offered by Air Bank on the CZK 100,000 credit is “only” twice lower than that charged by the ČS or LBBW.
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Results of the Navigator for 2013
99
Figure 26: APR charged by selected credit providers – CZK 100,000 credit with a 5-year maturity term
15%
15.7% 15.7% 15.5%
13.7%
13.2%
12.6%
an
Ci tib
ba
9.3%
Ob
er
Ce te
RB
k
nk
m
le
HC
ČS
Un
ic
LB
re
OB
di t
BW
ČS
Co �id
5%
is
10%
11.5%
AB
16.9%
no
18.5% 18.1%
APR
20%
21.8%
Zu
25%
Source: Author
Table 12: List of companies for the CZK 100,000 credit model with a 5-year maturity term
Institution
Website
Acronym
1 Air Bank,a. s.
http://www.airbank.cz
AB
3
http://www.citibank.cz
CITI
2 CETELEM ČR, a. s.
Citibank Europe plc, organizační složka
4 COFIDIS s. r. o.
5 Česká spořitelna, a. s. 6
Československá obchodní banka, a. s.
7 GE Money Bank, a. s. 8 Home Credit a. s.
9 Komerční banka, a. s.
10 LBBW Bank CZ a. s. 11 12
mBank – BRE Bank S.A., organizační složka podniku Oberbank AG pobočka Česká republika
13 PROFI CREDIT Czech, a. s.
http://www.cetelem.cz http://cofidis.cz/
https://www.csas.cz http://www.csob.cz
https://www.gemoney.cz
http://www.homecredit.cz http://www.kb.cz
http://www.lbbw.c
http://www.mbank.cz
http://www.oberbank.cz
http://www.proficredit.cz
CET
COFI ČS
ČSOB GE
HC KB
LBBW
MBAN OBER PRCR
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100
14 Raiffeisenbank a. s.
http://www.rb.cz
RB
16 Sberbank,a. s.
http://www.sberbank.cz
VB
15 17
UniCredit Bank Czech Republic, a. s. Waldviertler Sparkasse von 1842 AG
ZUNO BANK AG, organizační složka
http://www.unicreditbank.cz http://www.wspk.cz
UCB WAL
http://www.zuno.cz/
Website
Acronym
19 AB Půjčky
http://www.pujcka-bez.cz/
AB
21 Bez banky
http://www.bezbanky.cz/
BB
18
Product
20 ACEMA CREDIT 22 Dám i vám
23 Face Půjčka
24 Fani Trade s. r. o. 25 Fine Moeny
26 Home Finance 27 Ihned-půjčka 28 MSC
29 Petrova půjčka
30 Půjčka na směnku 31 Půjčka na směnku 32 Půjčka peníze
33 Půjčky investice
34 Půjčky-nemovitosti 35 RN Credit
36 Schvalene pujcky 37 Schválíme
38 Úvěrová pohotovost 39 VITACREDIT
40 Volfovapujcky
Source: Author
ZUNO
http://www.acema.cz/produkty/pujcka ACE -na-cokoliv#calc-top-background http://damivam.firemni-stranka.cz/ http://www.facepujcka.cz/#online _zadost_o_pujcku http://www.uveryft.cz/index.html http://www.finemoney.cz/
http://www.hfin.cz/index.html http://www.ihned-pujcka.cz/ http://www.mscorp.cz/
http://www.petrovapujcka.cz/
http://pujckynasmenku.webnode.cz/ http://pujckynasmenku.webnode.cz/ http://www.pujckapenize.cz/
http://www.pujcky-investice.cz
http://www.pujcky-nemovitosti.cz http://www.rn-credit.cz
http://schvalenepujcky.cz/ http://www.schvalime.cz/
http://uverovapohotovost.firemni -stranka.cz/
http://www.vitacredit.cz/kontakt/ http://volfovapujcky.webnode.cz/
DIV FP
FT
FAM HOF IP
MSC PP
PNS PS
PUP PI
PNEM SP SP
SCH UP
VIT
VOLF
Note – translated names of products: 19 AB Loans; 20 ACEMA CREDIT; 21 Without a Bank; 22 Give you too; 23 Face Loan; 24 Fani Trade s. r. o.; 25 Fine Money; 26 Home Finance; 27 Instant Loan; 28 MSC; 29 Peter’s Loan, 30 Loan against bill; 31 Loan against bill; 32 Loan Cash; 33 Loans Investments; 34 Loans-Real Pro-
perty; 35 RN Credit; 36 Approved Loans; 37 Approving; 38 Emergency Lending Service; 39 VITACREDIT; 40 Volfová Loans
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