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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summary | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Net Interest Income | EUR mil |
Total Revenues | EUR mil |
Operating Profit | EUR mil |
Net Profit | EUR mil |
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 |
Interbank Loans | EUR mil |
Customer Loans | EUR mil |
Debt Securities | EUR mil |
Total Assets | EUR mil |
Shareholders' Equity | EUR mil |
Interbank Borrowing | EUR mil |
Customer Deposits | EUR mil |
Issued Debt Securities | EUR mil |
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 |
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% |
income statement | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
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 |
Net Interest Income Growth | % |
Net Fee Income Growth | % |
Total Revenue Growth | % |
Operating Cost Growth | % |
Operating Profit Growth | % |
Pre-Tax Profit Growth | % |
Net Profit Growth | % |
... | 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% |
balance sheet | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Cash | EUR mil |
Interbank Loans | EUR mil |
Customer Loans | EUR mil |
Retail Loans | EUR mil |
Mortgage Loans | EUR mil |
Consumer Loans | EUR mil |
Corporate Loans | EUR mil |
Debt Securities | EUR mil |
Fixed Assets | EUR mil |
Total Assets | EUR mil |
Shareholders' Equity | EUR mil |
Of Which Minority Interest | EUR mil |
Liabilities | EUR mil |
Interbank Borrowing | EUR mil |
Customer Deposits | EUR mil |
Sight Deposits | EUR mil |
Term Deposits | EUR mil |
Issued Debt Securities | EUR mil |
Other Liabilities | EUR mil |
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 |
Non-Performing Loans | EUR mil |
Gross Loans | EUR mil |
Total Provisions | EUR mil |
... | ... | ... | 281 | 543 | 1,020 | 925 | 660 | ||||||
3,320 | 7,176 | 8,360 | 6,046 | 6,603 | |||||||||
313 | 645 | 1,189 | 986 | 768 |
Customer Loan Growth | % |
Retail Loan Growth | % |
Mortgage Loan Growth | % |
Consumer Loan Growth | % |
Corporate Loan Growth | % |
Total Asset Growth | % |
Shareholders' Equity Growth | % |
Customer Deposit Growth | % |
... | 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% |
ratios | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
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% |
other data | Unit |
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 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 | ... | ... |
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.
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.
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 (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 (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.
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
Read more »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:
Based on a comparison of 15 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,
Read more »Based on a comparison of 15 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.
Based on a comparison of 15 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
Read more »Based on a comparison of 15 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 15 banks in the Czech Republic in 2016, 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 21.1% in 2016,
Read more »Based on a comparison of 15 banks in the Czech Republic in 2016, 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 21.1% in 2016, up from 17.5% 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 2016, up from 0.381% a year earlier.
Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2016 with a cost to income ratio of 33.3%, Stavebni Sporitelna Ceske Sporitelny reached 35.0% and Expobank Czech Republic some 35.3%.
The average cost to income ratio reached 43.7% in the Czech banking sector in 2016.
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.
Home Credit Group's retail loans reached EUR 16,707 mil at the end of 2017, up 72.5% compared to the previous year. In the last decade, the average annual loan growth amounted to 21.6%.
Overall, retail loans accounted for
Read more »Home Credit Group's retail loans reached EUR 16,707 mil at the end of 2017, up 72.5% compared to the previous year. In the last decade, the average annual loan growth amounted to 21.6%.
Overall, retail loans accounted for 108% of the bank's loan book at the end of 2017.
Mortgage loans rose 32.4% to EUR 147 mil in 2017 and accounted for 0.880% of the retail loan portfolio.
You can see all the bank’s data at Home Credit Group Profile, or you can download a report on the bank in the report section.