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Hello Bank!

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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

... ... ... ... ... ... ...           2,051 2,095 2,187 2,129 2,009    
... ... ... ... ... ... ...           2,686 2,652 2,730 2,649 2,450    
... ... ... ... ... ... ...           1,974 1,884 1,938 1,801 1,509    
... ... ... ... ... ... ...           1,173 1,090 1,090 1,344 1,232    

balance sheet

... ... ... ... ... ...             931 920 969 982 946    
... ... ... ... ... ...             14,830 15,122 15,519 14,220 13,340    
... ... ... ... ... ...             8.95 11.8 12.3 10.8 10.4    
... ... ... ... ... ...             16,011 16,202 16,616 15,403 14,720    
... ... ... ... ... ...             2,290 2,250 2,144 1,733 1,622    
... ... ... ... ... ...             12,287 11,100 11,048 10,262 11,170    
... ... ... ... ... ...             0 0 0 0 0    
... ... ... ... ... ...             1,001 2,499 2,997 2,999 1,500    

ratios

... ... ... ... ... ... ...           51.7% 48.0% 49.6% 69.3% 73.4%    
... ... ... ... ... ... ...           7.67% 6.77% 6.64% 8.39% 8.18%    
... ... ... ... ... ... ...           4.66% 4.77% 4.82% 5.30% 6.25%    
... ... ... ... ... ... ...           26.5% 29.0% 29.0% 32.0% 38.4%    
... ... ... ... ... ... ...           13.4% 13.0% 13.3% 13.3% 13.3%    
... ... ... ... ... ... ...           76.3% 79.0% 80.1% 80.4% 82.0%    
... ... ... ... ... ... ...           23.1% 20.5% 19.4% 19.4% 17.9%    
... ... ... ... ... ... ...           49.1% 44.9% 43.6% 46.1% 45.6%    
... ... ... ... ... ...             14.3% 13.9% 12.9% 11.2% 11.0%    
... ... ... ... ... ...             92.6% 93.3% 93.4% 92.3% 90.6%    
... ... ... ... ... ... ...           13.2% 22.4% 18.1% 18.1% 15.4%    
... ... ... ... ... ... ...           164% 102% 100% 110% 121%    

Download Data
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
Interest Cost CZK mil
Net Interest Income CZK mil
Net Fee Income CZK mil
Other Income CZK mil
Total Revenues CZK mil
Staff Cost CZK mil
Depreciation CZK mil
Other Cost CZK mil
Operating Cost CZK mil
Operating Profit CZK mil
Provisions CZK mil
Extra and Other Cost CZK mil
Pre-Tax Profit CZK mil
Tax CZK mil
Minorities CZK mil
Net Profit CZK mil
... ... ... ... ... ... ...           2,390 2,391 2,416 2,302 2,133    
... ... ... ... ... ... ...           339 297 229 173 123    
... ... ... ... ... ... ...           2,051 2,095 2,187 2,129 2,009    
... ... ... ... ... ... ...           619 543 531 513 439    
... ... ... ... ... ... ...           15.9 14.5 12.0 7.35 2.81    
... ... ... ... ... ... ...           2,686 2,652 2,730 2,649 2,450    
... ... ... ... ... ... ...           349 345 345 391 429    
... ... ... ... ... ... ...           54.5 60.1 61.4 49.9 43.4    
... ... ... ... ... ... ...           308 363 385 407 469    
... ... ... ... ... ... ...           712 768 791 848 942    
... ... ... ... ... ... ...           1,974 1,884 1,938 1,801 1,509    
... ... ... ... ... ... ...           505 492 528 193 56.1    
... ... ... ... ... ... ...           0 0 0 0 -1.03    
... ... ... ... ... ... ...           1,470 1,392 1,410 1,608 1,454    
... ... ... ... ... ... ...           296 302 320 265 221    
... ... ... ... ... ... ...           0 0 0 0 0    
... ... ... ... ... ... ...           1,173 1,090 1,090 1,344 1,232    

growth rates

... ... ... ... ... ... ... ...         3.44% 2.13% 4.41% -2.65% -5.63%    
... ... ... ... ... ... ... ...         6.59% -12.4% -2.27% -3.32% -14.5%    
... ... ... ... ... ... ... ...         4.58% -1.27% 2.92% -2.94% -7.50%    
... ... ... ... ... ... ... ...         1.73% 7.87% 3.04% 7.20% 11.0%    
... ... ... ... ... ... ... ...         5.65% -4.57% 2.87% -7.08% -16.2%    
... ... ... ... ... ... ... ...         5.53% -5.27% 1.27% 14.0% -9.59%    
... ... ... ... ... ... ... ...         2.95% -7.08% -0.049% 23.3% -8.32%    

market share

... ... ... ... ... ... ...           1.61% 1.58% 1.63% 1.52% 1.36%   ...
... ... ... ... ... ... ...           1.82% 1.79% 1.73% 2.03% 1.68%   ...
                        1.09% 1.05% 1.03% 1.03% 1.13%   ...

Download Data
balance sheet Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

... ... ... ... ... ...             1.79 2.25 1.48 0.270 1.55    
... ... ... ... ... ...             931 920 969 982 946    
... ... ... ... ... ...             14,830 15,122 15,519 14,220 13,340    
... ... ... ... ... ...             8.95 11.8 12.3 10.8 10.4    
... ... ... ... ... ...             87.8 81.8 70.2 81.8 250    
... ... ... ... ... ...             16,011 16,202 16,616 15,403 14,720    
... ... ... ... ... ...             2,290 2,250 2,144 1,733 1,622    
... ... ... ... ... ...             0 0 0 0 0    
... ... ... ... ... ...             13,721 13,952 14,472 13,671 13,098    
... ... ... ... ... ...             12,287 11,100 11,048 10,262 11,170    
... ... ... ... ... ...             0 0 0 0 0    
... ... ... ... ... ...             1,001 2,499 2,997 2,999 1,500    
... ... ... ... ... ...             433 353 428 410 429    

asset quality

... ... ... ... ... ... ...           2,487 4,399 3,422 3,216 2,524    
... ... ... ... ... ... ...           18,909 19,602 18,940 17,751 16,383    
... ... ... ... ... ... ...           4,079 4,480 3,422 3,531 3,043    

growth rates

... ... ... ... ... ... ...           3.78% 1.97% 2.62% -8.37% -6.19%    
... ... ... ... ... ... ...           9.88% 1.20% 2.55% -7.30% -4.43%    
... ... ... ... ... ... ...           1.57% -1.71% -4.75% -19.2% -6.37%    

market share

... ... ... ... ... ...             0.628% 0.601% 0.589% 0.511% 0.452%    
... ... ... ... ... ...             0.346% 0.312% 0.308% 0.278% 0.245%    
... ... ... ... ... ...             0% 0% 0% 0% 0%    

Download Data
ratios Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

... ... ... ... ... ... ...           51.7% 48.0% 49.6% 69.3% 73.4%    
... ... ... ... ... ... ...           7.67% 6.77% 6.64% 8.39% 8.18%    
... ... ... ... ... ... ...           4.66% 4.77% 4.82% 5.30% 6.25%    
... ... ... ... ... ... ...           26.5% 29.0% 29.0% 32.0% 38.4%    
... ... ... ... ... ... ...           13.4% 13.0% 13.3% 13.3% 13.3%    
... ... ... ... ... ... ...           13.0% 12.7% 13.1% 13.1% 13.2%    
... ... ... ... ... ... ...           15.6% 14.8% 14.7% 14.4% 14.2%    
... ... ... ... ... ... ...           2.60% 2.14% 1.61% 1.23% 0.923%    
... ... ... ... ... ... ...           76.3% 79.0% 80.1% 80.4% 82.0%    
... ... ... ... ... ... ...           23.1% 20.5% 19.4% 19.4% 17.9%    
... ... ... ... ... ... ...           0.592% 0.549% 0.440% 0.277% 0.115%    
... ... ... ... ... ... ...           3,391 3,511 3,241 3,214 3,061    
... ... ... ... ... ... ...           66,320 68,693 69,258 76,719 77,237    
... ... ... ... ... ... ...           49.1% 44.9% 43.6% 46.1% 45.6%    
... ... ... ... ... ...             14.3% 13.9% 12.9% 11.2% 11.0%    
... ... ... ... ... ...             92.6% 93.3% 93.4% 92.3% 90.6%    
... ... ... ... ... ... ...           13.2% 22.4% 18.1% 18.1% 15.4%    
... ... ... ... ... ... ...           164% 102% 100% 110% 121%    
... ... ... ... ... ... ...           27.5% 29.6% 22.0% 24.8% 22.8%    
... ... ... ... ... ... ...           3.47% 3.29% 3.45% 1.30% 0.407%    

Download Data
other data Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

                        439 418 415 425 463    

Download Data

Hello Bank! in Numbers

August 29, 2019
Hello Bank! in Numbers

This Annual statistical dossier offers a summary of Hello Bank!'s performance between 2000 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Hello Bank!'s performance between 2000 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Hello Bank!'s market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 29 banks in the Czech Republic in 2017, Home Credit Group generated the largest revenues, followed by Ceska Sporitelna and CSOB.

Home Credit Group reported total revenues of CZK 81,899 mil, up 53.2% compared

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Based on a comparison of 29 banks in the Czech Republic in 2017, Home Credit Group generated the largest revenues, followed by Ceska Sporitelna and CSOB.

Home Credit Group reported total revenues of CZK 81,899 mil, up 53.2% 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 81,899 mil in 2017 and an all time low of CZK 290 mil in 2004. The average revenue in the last five years amounted to CZK 59,822 mil.

Bank's total revenues accounted for 14.5% of total assets in 2017, up from 13.5% a year earlier.

Comparing Home Credit Group with its closest peers, Ceska Sporitelna generated total revenues of CZK 37,227 mil, or 2.80% of assets in 2017, CSOB operated with CZK 37,199 mil total income, or 2.83% revenue margin and Komercni Banka produced total income worth CZK 31,060 mil, or 3.09% of assets.

Czech banking sector generated total revenues of CZK 179,125 mil in 2017, down 0.589% when compared to the previous year. As a result, the top ranked company - Home Credit Group accounted for 45.7% of the sector’s total income in 2017. The top 3 companies held a 87.3% share while the five largest firms some 115% in 2017.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 29 banks in the Czech Republic, CSOB produced the highest net profit in 2017, followed by Komercni Banka and Ceska Sporitelna.

CSOB made a net profit of CZK 17,517 mil, up 15.7% compared to the previous

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Based on a comparison of 29 banks in the Czech Republic, CSOB produced the highest net profit in 2017, followed by Komercni Banka and Ceska Sporitelna.

CSOB made a net profit of CZK 17,517 mil, up 15.7% compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 17,517 mil in 2017 and an all time low of CZK 570 mil in 1994. The average profit in the last five years amounted to CZK 14,786 mil.

The bank generated an average return on equity of 17.2% for its shareholders in the last five years with a maximum of 19.2% and a minimum of 15.9%.

Comparing CSOB with its closest peers, Komercni Banka generated a net profit of CZK 14,930 mil with a ROE of 14.5% in 2017, Ceska Sporitelna netted CZK 14,610 mil (ROE of 12.0%) and UniCredit Czech Republic announced a net profit of CZK 7,626 mil giving a ROE of 11.0%.

The net profit of the Czechia’s banking sector amounted to CZK 75,867 mil in 2017, up 3.19% compared to the previous year. Heading up the rankings, CSOB accounted for 23.1% of the sector’s net profit in 2017. The top 3 companies held a 62.0% share while the five largest firms some 81.6% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 28 banks in the Czech Republic in 2017, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest

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Based on a comparison of 28 banks in the Czech Republic in 2017, Provident Financial Czech Republic operated with the highest net interest margin, followed by Profireal Group and Profi Credit Czech.

Provident Financial Czech Republic's net interest margin amounted to 44.0% in 2017, down from 53.8% when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 53.8% in 2016 and an all time low of 0.096% in 2010. The average margin in the last five years amounted to 45.3%.

Average asset yield was 49.7% in 2017, down from 59.5% when compared to previous year. On the other hand, cost of funding amounted to 9.56% in 2017, up from 8.62%.

Comparing Provident Financial Czech Republic with its closest peers, Profireal Group operated in 2017 with a net interest margin of 25.2% Profi Credit Czech reached 22.6% and Cofidis Czech Republic some 12.7%.

The average net interest margin reached 1.71% in the Czech banking sector in 2017 while interest spread amounted to 3.31%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 29 banks in the Czech Republic in 2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 22.1% in 2017,

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Based on a comparison of 29 banks in the Czech Republic in 2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 22.1% in 2017, down from 21.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2017, down from 0.429% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2017 with a cost to income ratio of 28.8%, Stavebni Sporitelna Ceske Sporitelny reached 37.2% and J&T Banka some 40.8%.

The average cost to income ratio reached 45.1% in the Czech banking sector in 2017.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
Hello Bank!'s net interest margin fell 15.7% to 10.3% in 2018
Hello Bank!'s net profit fell 51.7% to CZK 554 mil in 2018
Hello Bank!'s npls (as % of loans) fell 9.69% to 14.9% in 2018
Hello Bank!'s net interest income fell 18.8% to CZK 1,459 mil in 2018
Hello Bank!'s total revenues fell 14.0% to CZK 2,203 mil in 2018
Hello Bank!'s customer loans fell 5.47% to CZK 12,547 mil in 2018
Hello Bank!'s customer deposits remain unchanged at CZK 0 mil in 2018
Hello Bank!'s customer deposits remain unchanged at CZK 0 mil in 2018