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Hello Bank!

Hello Bank!'s net interest margin fell 15.7% to 10.3% in 2018

By Helgi Analytics - August 29, 2019

Hello Bank!'s net interest margin amounted to 10.3% in 2018, down from 12.3% compared to the previous year. Historically, ...

Hello Bank!'s net profit fell 51.7% to CZK 554 mil in 2018

By Helgi Analytics - August 29, 2019

Hello Bank! made a net profit of CZK 554 mil under revenues of CZK 1,895 mil in 2018, up -51.7% and -14.0% respectively compared to t...

Hello Bank!'s customer loans fell 5.47% to CZK 11,860 mil in 2018

By Helgi Analytics - December 12, 2019

Hello Bank!'s customer loans reached CZK 11,860 mil in 2018, down 5.47% compared to the previous year. Czech banking sector pro...

Profit Statement 2016 2017 2018
Net Interest Income CZK mil 2,009 1,796 1,459
Net Fee Income CZK mil 439 399 361
Other Income CZK mil 2.81 7.97 74.2
Total Revenues CZK mil 2,450 2,203 1,895
Staff Cost CZK mil 429 492 512
Operating Profit CZK mil 1,509 1,124 659
Provisions CZK mil 56.1 -26.0 -55.6
Net Profit CZK mil 1,232 1,145 554
Balance Sheet 2016 2017 2018
Interbank Loans CZK mil 946 978 965
Customer Loans CZK mil 13,340 12,547 11,860
Total Assets CZK mil 14,720 14,571 13,652
Shareholders' Equity CZK mil 1,622 2,301 1,554
Interbank Borrowing CZK mil 11,170 10,280 8,611
Customer Deposits CZK mil 0 0 0
Issued Debt Securities CZK mil 1,500 1,502 1,507
Ratios 2016 2017 2018
ROE % 73.4 58.4 28.7
ROA % 8.18 7.82 3.92
Costs (As % Of Assets) % 6.25 7.37 8.75
Costs (As % Of Income) % 38.4 49.0 65.2
Net Interest Margin % 13.3 12.3 10.3
NPLs (As % Of Loans) % 15.4 16.5 14.9
Provisions (As % Of NPLs) % 121 82.4 80.1
Growth Rates 2016 2017 2018
Total Revenue Growth % -7.50 -10.1 -14.0
Operating Cost Growth % 11.0 14.5 14.5
Operating Profit Growth % -16.2 -25.5 -41.4
Net Profit Growth % -8.32 -7.04 -51.7
Customer Loan Growth % -6.19 -5.95 -5.47
Total Asset Growth % -4.43 -1.02 -6.31
Shareholders' Equity Growth % -6.37 41.9 -32.5
Employees 463 496 537

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summary Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                      
Net Interest Income CZK mil ... ... ... ... ... ... ...           2,051 2,095 2,187 2,129 2,009    
Total Revenues CZK mil ... ... ... ... ... ... ...           2,686 2,652 2,730 2,649 2,450    
Operating Profit CZK mil ... ... ... ... ... ... ...           1,974 1,884 1,938 1,801 1,509    
Net Profit CZK mil ... ... ... ... ... ... ...           1,173 1,090 1,090 1,344 1,232    
balance sheet                                      
Interbank Loans CZK mil ... ... ... ... ... ...             931 920 969 982 946    
Customer Loans CZK mil ... ... ... ... ... ...             14,830 15,122 15,519 14,220 13,340    
Debt Securities CZK mil ... ... ... ... ... ...             8.95 11.8 12.3 10.8 10.4    
Total Assets CZK mil ... ... ... ... ... ...             16,011 16,202 16,616 15,403 14,720    
Shareholders' Equity CZK mil ... ... ... ... ... ...             2,290 2,250 2,144 1,733 1,622    
Interbank Borrowing CZK mil ... ... ... ... ... ...             12,287 11,100 11,048 10,262 11,170    
Customer Deposits CZK mil ... ... ... ... ... ...             0 0 0 0 0    
Issued Debt Securities CZK mil ... ... ... ... ... ...             1,001 2,499 2,997 2,999 1,500    
ratios                                      
ROE % ... ... ... ... ... ... ...           51.7 48.0 49.6 69.3 73.4    
ROA % ... ... ... ... ... ... ...           7.67 6.77 6.64 8.39 8.18    
Costs (As % Of Assets) % ... ... ... ... ... ... ...           4.66 4.77 4.82 5.30 6.25    
Costs (As % Of Income) % ... ... ... ... ... ... ...           26.5 29.0 29.0 32.0 38.4    
Net Interest Margin % ... ... ... ... ... ... ...           13.4 13.0 13.3 13.3 13.3    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...           76.3 79.0 80.1 80.4 82.0    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...           23.1 20.5 19.4 19.4 17.9    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...           49.1 44.9 43.6 46.1 45.6    
Equity (As % Of Assets) % ... ... ... ... ... ...             14.3 13.9 12.9 11.2 11.0    
Loans (As % Assets) % ... ... ... ... ... ...             92.6 93.3 93.4 92.3 90.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...           13.2 22.4 18.1 18.1 15.4    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...           164 102 100 110 121    
income statement Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                      
Interest Income CZK mil ... ... ... ... ... ... ...           2,390 2,391 2,416 2,302 2,133    
Interest Cost CZK mil ... ... ... ... ... ... ...           339 297 229 173 123    
Net Interest Income CZK mil ... ... ... ... ... ... ...           2,051 2,095 2,187 2,129 2,009    
Net Fee Income CZK mil ... ... ... ... ... ... ...           619 543 531 513 439    
Other Income CZK mil ... ... ... ... ... ... ...           15.9 14.5 12.0 7.35 2.81    
Total Revenues CZK mil ... ... ... ... ... ... ...           2,686 2,652 2,730 2,649 2,450    
Staff Cost CZK mil ... ... ... ... ... ... ...           349 345 345 391 429    
Depreciation CZK mil ... ... ... ... ... ... ...           54.5 60.1 61.4 49.9 43.4    
Other Cost CZK mil ... ... ... ... ... ... ...           308 363 385 407 469    
Operating Cost CZK mil ... ... ... ... ... ... ...           712 768 791 848 942    
Operating Profit CZK mil ... ... ... ... ... ... ...           1,974 1,884 1,938 1,801 1,509    
Provisions CZK mil ... ... ... ... ... ... ...           505 492 528 193 56.1    
Extra and Other Cost CZK mil ... ... ... ... ... ... ...           0 0 0 0 -1.03    
Pre-Tax Profit CZK mil ... ... ... ... ... ... ...           1,470 1,392 1,410 1,608 1,454    
Tax CZK mil ... ... ... ... ... ... ...           296 302 320 265 221    
Minorities CZK mil ... ... ... ... ... ... ...           0 0 0 0 0    
Net Profit CZK mil ... ... ... ... ... ... ...           1,173 1,090 1,090 1,344 1,232    
growth rates                                      
Net Interest Income Growth % ... ... ... ... ... ... ... ...         3.44 2.13 4.41 -2.65 -5.63    
Net Fee Income Growth % ... ... ... ... ... ... ... ...         6.59 -12.4 -2.27 -3.32 -14.5    
Total Revenue Growth % ... ... ... ... ... ... ... ...         4.58 -1.27 2.92 -2.94 -7.50    
Operating Cost Growth % ... ... ... ... ... ... ... ...         1.73 7.87 3.04 7.20 11.0    
Operating Profit Growth % ... ... ... ... ... ... ... ...         5.65 -4.57 2.87 -7.08 -16.2    
Pre-Tax Profit Growth % ... ... ... ... ... ... ... ...         5.53 -5.27 1.27 14.0 -9.59    
Net Profit Growth % ... ... ... ... ... ... ... ...         2.95 -7.08 -0.049 23.3 -8.32    
market share                                      
Market Share in Revenues % ... ... ... ... ... ... ...           1.61 1.58 1.63 1.52 1.36   ...
Market Share in Net Profit % ... ... ... ... ... ... ...           1.82 1.79 1.73 2.03 1.68   ...
Market Share in Employees %                         1.09 1.05 1.03 1.03 1.13   ...
balance sheet Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                      
Cash CZK mil ... ... ... ... ... ...             1.79 2.25 1.48 0.270 1.55    
Interbank Loans CZK mil ... ... ... ... ... ...             931 920 969 982 946    
Customer Loans CZK mil ... ... ... ... ... ...             14,830 15,122 15,519 14,220 13,340    
Debt Securities CZK mil ... ... ... ... ... ...             8.95 11.8 12.3 10.8 10.4    
Fixed Assets CZK mil ... ... ... ... ... ...             87.8 81.8 70.2 81.8 250    
Total Assets CZK mil ... ... ... ... ... ...             16,011 16,202 16,616 15,403 14,720    
Shareholders' Equity CZK mil ... ... ... ... ... ...             2,290 2,250 2,144 1,733 1,622    
Of Which Minority Interest CZK mil ... ... ... ... ... ...             0 0 0 0 0    
Liabilities CZK mil ... ... ... ... ... ...             13,721 13,952 14,472 13,671 13,098    
Interbank Borrowing CZK mil ... ... ... ... ... ...             12,287 11,100 11,048 10,262 11,170    
Customer Deposits CZK mil ... ... ... ... ... ...             0 0 0 0 0    
Issued Debt Securities CZK mil ... ... ... ... ... ...             1,001 2,499 2,997 2,999 1,500    
Other Liabilities CZK mil ... ... ... ... ... ...             433 353 428 410 429    
asset quality                                      
Non-Performing Loans CZK mil ... ... ... ... ... ... ...           2,487 4,399 3,422 3,216 2,524    
Gross Loans CZK mil ... ... ... ... ... ... ...           18,909 19,602 18,940 17,751 16,383    
Total Provisions CZK mil ... ... ... ... ... ... ...           4,079 4,480 3,422 3,531 3,043    
growth rates                                      
Customer Loan Growth % ... ... ... ... ... ... ...           3.78 1.97 2.62 -8.37 -6.19    
Total Asset Growth % ... ... ... ... ... ... ...           9.88 1.20 2.55 -7.30 -4.43    
Shareholders' Equity Growth % ... ... ... ... ... ... ...           1.57 -1.71 -4.75 -19.2 -6.37    
market share                                      
Market Share in Customer Loans % ... ... ... ... ... ...             0.628 0.601 0.589 0.511 0.452    
Market Share in Total Assets % ... ... ... ... ... ...             0.346 0.312 0.308 0.278 0.245    
Market Share in Customer Deposits % ... ... ... ... ... ...             0 0 0 0 0    
ratios Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                      
ROE % ... ... ... ... ... ... ...           51.7 48.0 49.6 69.3 73.4    
ROA % ... ... ... ... ... ... ...           7.67 6.77 6.64 8.39 8.18    
Costs (As % Of Assets) % ... ... ... ... ... ... ...           4.66 4.77 4.82 5.30 6.25    
Costs (As % Of Income) % ... ... ... ... ... ... ...           26.5 29.0 29.0 32.0 38.4    
Net Interest Margin % ... ... ... ... ... ... ...           13.4 13.0 13.3 13.3 13.3    
Interest Spread % ... ... ... ... ... ... ...           13.0 12.7 13.1 13.1 13.2    
Asset Yield % ... ... ... ... ... ... ...           15.6 14.8 14.7 14.4 14.2    
Cost Of Liabilities % ... ... ... ... ... ... ...           2.60 2.14 1.61 1.23 0.923    
Interest Income (As % Of Revenues) % ... ... ... ... ... ... ...           76.3 79.0 80.1 80.4 82.0    
Fee Income (As % Of Revenues) % ... ... ... ... ... ... ...           23.1 20.5 19.4 19.4 17.9    
Other Income (As % Of Revenues) % ... ... ... ... ... ... ...           0.592 0.549 0.440 0.277 0.115    
Cost Per Employee USD per month ... ... ... ... ... ... ...           3,391 3,511 3,241 3,214 3,061    
Cost Per Employee (Local Currency) CZK per month ... ... ... ... ... ... ...           66,320 68,693 69,258 76,719 77,237    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ...           49.1 44.9 43.6 46.1 45.6    
Equity (As % Of Assets) % ... ... ... ... ... ...             14.3 13.9 12.9 11.2 11.0    
Loans (As % Assets) % ... ... ... ... ... ...             92.6 93.3 93.4 92.3 90.6    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...           13.2 22.4 18.1 18.1 15.4    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...           164 102 100 110 121    
Provisions (As % Of Loans) % ... ... ... ... ... ... ...           27.5 29.6 22.0 24.8 22.8    
Cost of Provisions (As % Of Loans) % ... ... ... ... ... ... ...           3.47 3.29 3.45 1.30 0.407    
other data Unit 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                      
Employees                         439 418 415 425 463    

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Hello Bank!'s npls (as % of loans) fell 9.69% to 14.9% in 2018

By Helgi Analytics - August 29, 2019

Hello Bank!'s non-performing loans reached 14.9% of total loans at the end of 2018, down from 16.5% compared to the previous year. Historically, the NPL ratio hit an all time high of 22.4% in 2013 and an all time low of 13.0% in 2011. Provision coverage amo...

Hello Bank!'s customer deposits remain unchanged at CZK 0 mil in 2018

By Helgi Analytics - December 12, 2019

Hello Bank!'s customer deposits reached CZK 0 mil in 2018, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 4,446 bil in 2018, up 6.63% when compared to the last year. Hello Bank! accounted for 0% of all custom...

Hello Bank!'s net interest income fell 18.8% to CZK 1,459 mil in 2018

By Helgi Analytics - August 29, 2019

Hello Bank! generated total banking revenues of CZK 1,895 mil in 2018, down 14% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 2,730 mil in 2014 and an a...

Hello Bank!'s total revenues fell 14.0% to CZK 2,203 mil in 2018

By Helgi Analytics - December 12, 2019

Hello Bank! generated total banking revenues of CZK 2,203 mil in 2017, down 10.1% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 179,177 mil in 2017, down 0.560% when compared to the last year. ...

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Finance

Hello Bank! has been growing its revenues and asset by -10.6% and -3.94% a year on average in the last 3 years. Its loans and deposits have grown by -5.87% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 53.5% in the last three years with net profit growing -25.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 65.2% in 2018, compared to 50.9% average in the last three years.

Equity represented 11.4% of total assets or 13.1% of loans at the end of 2018. Hello Bank!'s non-performing loans were 14.9% of total loans while provisions covered some 80.1% of NPLs at the end of 2018.

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