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Home Credit Group

Banking > Czech Republic > Home Credit Group
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Home Credit Group

Home Credit Group (Home Credit B.V. and its subsidiaries) is a mass market consumer finance provider with over EUR 10 bil of assets. The Company was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. The Group employes over 44,000 people and serves more than 35 mil customers. Lending to consumers seeking purchases

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Home Credit Group (Home Credit B.V. and its subsidiaries) is a mass market consumer finance provider with over EUR 10 bil of assets. The Company was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. The Group employes over 44,000 people and serves more than 35 mil customers. Lending to consumers seeking purchases of durable goods is the main focus of the Company. The product portfolio includes loans to first-time borrowers, revolving credit lines as well as credit cards to its existing customers. Home Credit's network consists of point-of-sales outlets, own branches, post offices and direct channels

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summary Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

              627 1,057 1,762 1,377 1,193    
              905 1,773 2,542 1,943 1,619    
              502 1,119 1,618 1,077 732    
              231 506 327 -56.9 -40.4    

balance sheet

              154 394 410 172 407    
              3,007 6,531 7,171 5,060 5,835    
              359 725 196 457 1,388    
              4,282 9,426 9,313 7,037 9,656    
              831 1,505 1,532 1,239 1,196    
              528 1,311 604 1,434 2,331    
              1,697 4,724 5,105 2,890 4,909    
              1,081 1,560 1,121 1,117 801    

ratios

              26.2% 43.3% 21.5% -4.11% -3.32%    
              6.28% 7.38% 3.49% -0.696% -0.484%    
              11.0% 9.55% 9.87% 10.6% 10.6%    
              44.6% 36.9% 36.4% 44.6% 54.8%    
              17.0% 15.4% 18.8% 16.8% 14.3%    
              69.3% 59.6% 69.3% 70.9% 73.7%    
              26.3% 33.6% 24.3% 21.3% 19.7%    
              41.8% 44.3% 44.1% 42.0% 45.6%    
              19.4% 16.0% 16.5% 17.6% 12.4%    
...             177% 138% 140% 175% 119%    
              70.2% 69.3% 77.0% 71.9% 60.4%    
... ... ...         8.46% 7.57% 12.2% 15.3% 10.0%    
... ... ...         111% 119% 117% 107% 116%    

Download Data
income statement Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
              810 1,486 2,483 1,987 1,842    
              183 429 721 610 649    
              627 1,057 1,762 1,377 1,193    
              238 597 618 415 319    
              40.0 120 162 151 107    
              905 1,773 2,542 1,943 1,619    
              169 290 408 363 404    
              34.0 49.2 73.1 79.6 78.5    
              201 315 443 423 404    
              403 655 924 866 887    
              502 1,119 1,618 1,077 732    
              167 478 1,186 1,116 725    
              -1.21 -4.11 -6.56 -1.67 -1.46    
              336 644 439 -37.3 8.50    
              95.4 139 114 23.1 50.1    
              0.000 0.349 -2.16 -3.52 -1.25    
              231 506 327 -56.9 -40.4    

growth rates

...             6.31% 68.5% 66.7% -21.9% -13.4%    
...             38.3% 151% 3.65% -32.9% -23.1%    
...             15.7% 95.9% 43.4% -23.6% -16.7%    
...             14.2% 62.3% 41.2% -6.35% 2.41%    
...             16.9% 123% 44.6% -33.4% -32.0%    
...             4.91% 91.8% -31.9% -109% -123%    
...             -17.3% 119% -35.5% -117% -29.1%    

Download Data
balance sheet Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

              410 1,210 926 866 1,349    
              154 394 410 172 407    
              3,007 6,531 7,171 5,060 5,835    
              3,003 6,527 7,168 5,054 5,784    
              111 90.5 89.3 68.5 74.0    
              2,891 6,437 7,078 4,985 5,672    
              4.33 3.50 3.52 5.07 52.4    
              359 725 196 457 1,388    
              212 298 328 258 274    
              4,282 9,426 9,313 7,037 9,656    
              831 1,505 1,532 1,239 1,196    
              0.000 103 2.92 3.82 4.77    
              3,451 7,922 7,781 5,798 8,460    
              528 1,311 604 1,434 2,331    
              1,697 4,724 5,105 2,890 4,909    
... ... ... ... ... ... ... ... ... 473 297 2,947    
... ... ... ... ... ... ... ... ... 4,632 2,593 1,950    
              1,081 1,560 1,121 1,117 801    
              144 327 950 356 420    

asset quality

... ... ...         281 543 1,020 925 660    
              3,320 7,176 8,360 6,046 6,603    
              313 645 1,189 986 768    

growth rates

...             38.1% 117% 9.81% -29.4% 15.3%    
...             40.8% 117% 9.81% -29.5% 14.4%    
... ... ...         -26.2% -18.8% -1.33% -23.3% 7.91%    
...             45.9% 123% 9.97% -29.6% 13.8%    
... ...           -90.3% -19.1% 0.600% 43.9% 934%    
...             38.9% 120% -1.20% -24.4% 37.2%    
...             -11.2% 81.0% 1.85% -19.2% -3.48%    
... ...           188% 178% 8.08% -43.4% 69.9%    

Download Data
ratios Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

              26.2% 43.3% 21.5% -4.11% -3.32%    
              6.28% 7.38% 3.49% -0.696% -0.484%    
              11.0% 9.55% 9.87% 10.6% 10.6%    
              44.6% 36.9% 36.4% 44.6% 54.8%    
              17.0% 15.4% 18.8% 16.8% 14.3%    
...             15.5% 14.1% 17.3% 15.3% 13.0%    
              22.0% 21.7% 26.5% 24.3% 22.1%    
...             6.52% 7.55% 9.18% 8.98% 9.11%    
              69.3% 59.6% 69.3% 70.9% 73.7%    
              26.3% 33.6% 24.3% 21.3% 19.7%    
              4.41% 6.76% 6.36% 7.78% 6.59%    
... ... ... ... ... ...   897 798 878 670 595    
... ... ... ... ... ...   645 622 661 520 462    
              41.8% 44.3% 44.1% 42.0% 45.6%    
              19.4% 16.0% 16.5% 17.6% 12.4%    
...             177% 138% 140% 175% 119%    
              70.2% 69.3% 77.0% 71.9% 60.4%    
... ... ...         8.46% 7.57% 12.2% 15.3% 10.0%    
... ... ...         111% 119% 117% 107% 116%    
              10.4% 9.88% 16.6% 19.5% 13.2%    
              6.44% 10.0% 17.3% 18.3% 13.3%    

Download Data
other data Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ... ... ... ... ... 439   ...
... ... ... ... ... ...   21,800 38,900 51,400 58,200 72,900    
... ... ... ... ... ... ... ... ... ... ... 1,281 ... ...
... ... ... ... ... ...   4.50 6.60 7.70 9.10 12.5    
... ... ... ... ... ... ... ... ... 9.27% 10.3% 60.0%    
... ... ... ... ... ...   8,751 8,927 8,755 8,705 10,321 ... ...
... ... ... ... ... ...   0.474 0.491 0.517 0.323 0.327 ... ...
... ... ... ... ... ...   5,652 5,692 5,805 5,818 5,998 ... ...
... ... ... ... ... ...   4,105 4,151 4,255 4,267 4,491 ... ...
... ... ... ... ... ...   1,547 1,541 1,550 1,551 1,507 ... ...
... ... ... ... ... ...   635 605 600 619 656 ... ...
... ... ... ... ... ...   631,543 1,142,060 1,780,680 2,441,240 ... ... ...
... ... ... ... ... ...   0.196 0.211 0.258 0.220 ... ... ...
... ... ... ... ... ...   2,004 2,024 2,893 3,995 ... ... ...
... ... ... ... ... ...   1,977 1,993 2,856 3,951 ... ... ...
... ... ... ... ... ...   27.0 31.0 37.0 44.0 ... ... ...
... ... ... ... ... ...   869 1,123 1,324 1,596 ... ... ...
... ... ... ... ... ...   137 177 203 202 246 ... ...
... ... ... ... ... ...   0.160 0.168 0.171 0.168 0.218 ... ...
... ... ... ... ... ...   3,530 3,889 3,171 2,814 3,009 ... ...
... ... ... ... ... ...   220 219 225 258 252 ... ...
... ... ... ... ... ...   136,747 285,458 317,314 215,404 137,399 ... ...
... ... ... ... ... ...   3.70 4.10 4.70 4.20 3.70 ... ...
... ... ... ... ... ...   61,179 77,054 98,703 103,407 92,980 ... ...
... ... ... ... ... ...   59,457 74,800 96,476 101,720 92,643 ... ...
... ... ... ... ... ...   1,150 1,354 1,064 950 4.00 ... ...
... ... ... ... ... ...   572 900 1,163 737 333 ... ...
... ... ... ... ... ...   19,700 27,100 30,500 21,700 14,000 ... ...

Download Data
Comparison of 22 Banks in Czech Republic

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the

Read more »

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

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

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Comparison of 24 Banks in Czech Republic

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

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

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Home Credit Group in Numbers

This Annual statistical dossier offers a summary of Home Credit Group's performance between 2004 and 2017 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 Home Credit Group's performance between 2004 and 2017 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 Home Credit'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.

Home Credit Group in Numbers

Home Credit Group (Home Credit B.V. and its subsidiaries) is a mass market consumer finance provider with over EUR 10 bil of assets. The Company was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. The Group employes over 44,000 people and

Read more »

Home Credit Group (Home Credit B.V. and its subsidiaries) is a mass market consumer finance provider with over EUR 10 bil of assets. The Company was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. The Group employes over 44,000 people and serves more than 35 mil customers. Lending to consumers seeking purchases of durable goods is the main focus of the Company. The product portfolio includes loans to first-time borrowers, revolving credit lines as well as credit cards to its existing customers. Home Credit's network consists of point-of-sales outlets, own branches, post offices and direct channels.

This excel file offers a summary of the company's performance in 2004-2012. You will find here all the key numbers from the company's balance sheet, income statement and ratios on the annual basis

Home Credit Group at a Glance

Home Credit Group (Home Credit B.V. and its subsidiaries) is a mass market consumer finance provider with over EUR 10 bil of assets. The Company was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. The Group employes over 44,000 people and

Read more »

Home Credit Group (Home Credit B.V. and its subsidiaries) is a mass market consumer finance provider with over EUR 10 bil of assets. The Company was established in 1997 in the Czech Republic. Since then it has experienced considerable growth within Central and Eastern Europe, the Commonwealth of Independent States and Asia. The Group employes over 44,000 people and serves more than 35 mil customers. Lending to consumers seeking purchases of durable goods is the main focus of the Company. The product portfolio includes loans to first-time borrowers, revolving credit lines as well as credit cards to its existing customers. Home Credit's network consists of point-of-sales outlets, own branches, post offices and direct channels.

This report offers a summary of the company's performance in 2004-2012. You will find here all the key numbers from the company's balance sheet, income statement and ratios on the annual basis.

Analysis of Mortgage Lending in 1Q13

This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage

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This report analyses the housing lending in the Czech Republic for the 1Q2013. You will find all the necessary details regarding volume growth (for both, the mortgage as well as Building Society lending), market share, margin and asset quality development in the mortgage segment. Also, based on the example of Hypotecni Banka, we calculate profitability of the mortgage business for each bank.

This report provides a summary of the development in the 1Q2013. The key highlights are:

  • Mortgage loans increased by less than 1% qoq in the seasonally weakest quarter of the year, but the overall momentum stabilized. The annual increase remained unchanged at 6.3% yoy and sales of new loans of CZK 27.8 bil were nearly as high as in the same quarter last year:
  • Mortgage loans reached 18.2% of GDP at the end of March 2013, or more than a third of bank loans when other housing loans are included. Nearly 15% of Czech households have a mortgage loan now, while more than 14% of residential dwellings were financed through a mortgage loan, according to our calculations.
  • The average interest rate on mortgage loans continues to decline in line with the overall market trends. It reached 3.17% in 1Q13 while the average interest rate on the total mortgage loan stock dropped below 4.5%. This would imply that new loans were sold still with a decent 220 bp margin over a 5-year swap in 1Q13.
  • The share of non-performing loans increased slightly in the 1Q13, from 3.16% to 3.30% of total mortgage loans at the end of March. This is a result of the overall low indebtedness of Czech households, strict lending procedures and only a mild fall in real estate prices. Czech housing affordability remains one of the best in Europe.
  • As mortgage loans have grown to a sizable amount, the business  has become much more cost-efficient and profitable. We estimate mortgage business generates ROE of over 20% and contributes around 15% to the banking sector’s bottom line. LBBW and Raiffeisen seem to generate over 20% of their profits from mortgages when Hypoteční Banka’s results are taken as a guide.
  • The three largest banks (ČSOB, Česká Spořitelna and Komerční banka) further cemented their market position in 1Q13 taking their share to 65.4%.  ČSOB remains the leader closely followed by Spořitelna. In 1Q13, Raiffeisen confirmed its turnaround while GE Money Bank continued losing its market position the most.

Based on a comparison of 23 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Fio banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at

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Based on a comparison of 23 banks in the Czech Republic in 2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Fio banka.

Moravsky Penezni Ustav's non-performing loans reached 26.4% of total loans at the end of 2017, up from 24.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.

Provision coverage amounted to 13.8% at the end of 2017, up from 7.63% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, PPF Banka operated at the end of 2017 with NPL ratio of 13.8% and provision coverage of 22.6%, Fio banka with 11.8% and 32.7% and J&T Banka had 10.7% of bad loans covered with 39.3% by provisions at the end of 2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.74% of total loans in 2017, down from 4.59% when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 23 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 23 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 81.0% 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 23 banks in the Czech Republic, Ceska Sporitelna produced the highest net profit in 2016, followed by CSOB and Komercni Banka.

Ceska Sporitelna made a net profit of CZK 15,457 mil, up 8.14% compared to

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Based on a comparison of 23 banks in the Czech Republic, Ceska Sporitelna produced the highest net profit in 2016, followed by CSOB and Komercni Banka.

Ceska Sporitelna made a net profit of CZK 15,457 mil, up 8.14% compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 16,612 mil in 2012 and an all time low of CZK 41.0 mil in 2000. The average profit in the last five years amounted to CZK 15,404 mil.

The bank generated an average return on equity of 15.0% for its shareholders in the last five years with a maximum of 19.2% and a minimum of 12.6%.

Comparing Ceska Sporitelna with its closest peers, CSOB generated a net profit of CZK 15,141 mil with a ROE of 16.9% in 2016, Komercni Banka netted CZK 13,689 mil (ROE of 12.9%) and UniCredit Czech Republic announced a net profit of CZK 6,045 mil giving a ROE of 9.42%.

The net profit of the Czechia’s banking sector amounted to CZK 73,525 mil in 2016, up 10.8% compared to the previous year. Heading up the rankings, Ceska Sporitelna accounted for 21.0% of the sector’s net profit in 2016. The top 3 companies held a 60.2% share while the five largest firms some 76.3% in 2016.

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 24 banks in the Czech Republic in 2016, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached CZK 788,873 mil, up from CZK 713,836

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Based on a comparison of 24 banks in the Czech Republic in 2016, Ceska Sporitelna was the largest deposit taker, followed by Komercni Banka and CSOB.

Ceska Sporitelna's customer deposits reached CZK 788,873 mil, up from CZK 713,836 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of CZK 788,873 mil in 2016 and an all time low of CZK 352,622 mil in 2000.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka's deposits amounted to CZK 699,377 mil at the end of 2016, CSOB operated with CZK 676,161 mil of customer deposits and UniCredit Czech Republic had clients' deposits of CZK 371,163 mil at the end of 2016.

Czech banks had customer deposits of CZK 3,767 bil in 2016, up 7.00% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 20.9% of the sector’s deposits in 2016. The top 3 companies held a 57.5% share while the five largest firms some 73.3% in 2016.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the Czech banks in the report section.

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Home Credit's npls (as % of loans) rose 10.3% to 6.84% in 2017
Home Credit's net interest margin rose 6.14% to 13.3% in 2017
Home Credit's corporate loans fell 8.40% to EUR 163 mil in 2017
Home Credit's net profit rose 20.3% to EUR 256 mil in 2017
Home Credit's net interest income rose 57.9% to EUR 2,417 mil in 2017
Home Credit's retail loan growth rose 7.48% to 72.5% in 2017
Home Credit's customer loan growth fell 18.0% to 56.6% in 2017