Home Credit Group

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:

• Komercni Banka
• UniCredit Czech Republic
• CSOB
• Ceska Sporitelna
• Home Credit Group
• Expobank Czech Republic
• Raiffeisenbank Czech Republic
• MONETA Money Bank
• PPF Banka
• Sberbank Czech Republic
• Fio banka
• Ceskomoravska Stavebni Sporitelna
• Modra Pyramida Stavebni Sporitelna
• Raiffeisen Stavebni Sporitelna
• Stavebni Sporitelna Ceske Sporitelny
• Wustenrot Stavebni Sporitelna
• Hypotecni Banka
• Wustenrot Hypotecni banka
• J&T Banka
• Air Bank
• Equa Bank
• Banka Creditas
• Moravsky Penezni Ustav
• mBank Czech Republic

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.

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 (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 (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.

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.