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Home Credit N.V.

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Home Credit N.V.

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

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

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AnnualQuarterly
summary Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

                1,057 1,762 1,377 1,193 1,519    
                1,773 2,542 1,943 1,619 1,978    
                1,119 1,618 1,077 732 899    
                506 327 -56.9 -40.4 227    

balance sheet

                394 410 172 407 400    
                6,531 7,171 5,060 5,835 9,857    
                725 196 457 1,388 1,238    
                9,426 9,313 7,037 9,656 14,661    
                1,505 1,532 1,239 1,196 1,481    
                1,311 604 1,434 2,331 6,417    
                4,724 5,105 2,890 4,909 5,386    
                1,560 1,121 1,117 801 764    

ratios

                43.3% 21.5% -4.11% -3.32% 17.0%    
                7.38% 3.49% -0.696% -0.484% 1.87%    
                9.55% 9.87% 10.6% 10.6% 8.87%    
                36.9% 36.4% 44.6% 54.8% 54.6%    
                15.4% 18.8% 16.8% 14.3% 12.5%    
                59.6% 69.3% 70.9% 73.7% 76.8%    
                33.6% 24.3% 21.3% 19.7% 21.1%    
                44.3% 44.1% 51.3% 55.7% 62.7%    
                16.0% 16.5% 17.6% 12.4% 10.1%    
...               138% 140% 175% 119% 183%    
                69.3% 77.0% 71.9% 60.4% 67.2%    
... ... ...           7.57% 12.2% 15.3% 10.0% 8.05%    
... ... ...           119% 117% 107% 116% 74.4%    

Download Data
income statement Unit
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

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
Dividends EUR mil
                1,486 2,483 1,987 1,842 2,176    
                429 721 610 649 657    
                1,057 1,762 1,377 1,193 1,519    
                597 618 415 319 418    
                120 162 151 107 41.0    
                1,773 2,542 1,943 1,619 1,978    
                290 408 444 494 677    
                49.2 73.1 79.6 78.5 80.0    
                315 443 342 314 322    
                655 924 866 887 1,079    
                1,119 1,618 1,077 732 899    
                478 1,186 1,116 725 562    
                -4.11 -6.56 -1.67 -1.46 -2.00    
                644 439 -37.3 8.50 339    
                139 114 23.1 50.1 112    
                0.349 -2.16 -3.52 -1.25 -3.00    
                506 327 -56.9 -40.4 227    
... ... ... ... ... ... ... ... ... ... ... ... ... ...  

growth rates

...               68.5% 66.7% -21.9% -13.4% 27.3%    
...               151% 3.65% -32.9% -23.1% 31.1%    
...               95.9% 43.4% -23.6% -16.7% 22.2%    
...               62.3% 41.2% -6.35% 2.41% 21.7%    
...               123% 44.6% -33.4% -32.0% 22.8%    
...               91.8% -31.9% -109% -123% 3,887%    
...               119% -35.5% -117% -29.1% -663%    

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

balance sheet

                1,210 926 866 1,349 2,404    
                394 410 172 407 400    
                6,531 7,171 5,060 5,835 9,857    
                6,527 7,168 5,054 5,784 ... ... ...
                90.5 89.3 68.5 74.0 ... ... ...
                6,437 7,078 4,985 5,672 ... ... ...
                3.50 3.52 5.07 52.4 ... ... ...
                725 196 457 1,388 1,238    
                298 328 258 274 329    
                9,426 9,313 7,037 9,656 14,661    
                1,505 1,532 1,239 1,196 1,481    
                103 2.92 3.82 4.77 4.00    
                7,922 7,781 5,798 8,460 13,180    
                1,311 604 1,434 2,331 6,417    
                4,724 5,105 2,890 4,909 5,386    
... ... ... ... ... ... ... ... ... 473 297 2,947 3,391    
... ... ... ... ... ... ... ... ... 4,632 2,593 1,950 2,008    
                1,560 1,121 1,117 801 764    
                327 950 356 420 613    

asset quality

... ... ...           543 1,020 925 660 862    
                7,176 8,360 6,046 6,603 10,707    
                645 1,189 986 768 641    

growth rates

...               117% 9.81% -29.4% 15.3% 68.9%    
...               117% 9.81% -29.5% 14.4% ... ... ...
... ... ...           -18.8% -1.33% -23.3% 7.91% ... ... ...
...               123% 9.97% -29.6% 13.8% ... ... ...
... ...             -19.1% 0.600% 43.9% 934% ... ... ...
...               120% -1.20% -24.4% 37.2% 51.8%    
...               81.0% 1.85% -19.2% -3.48% 23.9%    
... ...             178% 8.08% -43.4% 69.9% 9.73%    

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

ratios

                43.3% 21.5% -4.11% -3.32% 17.0%    
                7.38% 3.49% -0.696% -0.484% 1.87%    
                9.55% 9.87% 10.6% 10.6% 8.87%    
                36.9% 36.4% 44.6% 54.8% 54.6%    
                15.4% 18.8% 16.8% 14.3% 12.5%    
...               14.1% 17.3% 15.3% 13.0% 11.8%    
                21.7% 26.5% 24.3% 22.1% 17.9%    
...               7.55% 9.18% 8.98% 9.11% 6.07%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...  
                59.6% 69.3% 70.9% 73.7% 76.8%    
                33.6% 24.3% 21.3% 19.7% 21.1%    
                6.76% 6.36% 7.78% 6.59% 2.07%    
...               798 878 820 727 606    
...               622 661 636 564 470    
                44.3% 44.1% 51.3% 55.7% 62.7%    
                16.0% 16.5% 17.6% 12.4% 10.1%    
...               138% 140% 175% 119% 183%    
                69.3% 77.0% 71.9% 60.4% 67.2%    
... ... ...           7.57% 12.2% 15.3% 10.0% 8.05%    
... ... ...           119% 117% 107% 116% 74.4%    
                9.88% 16.6% 19.5% 13.2% 6.50%    
                10.0% 17.3% 18.3% 13.3% 7.16%    

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

other data

... ... ... ... ... ... ... ... ... ... ... 439 328    
...               38,900 51,400 58,200 72,900 119,923    
... ... ... ... ... ... ... ... ... ... ... 1,281 1,268    
... ... ... ... ... ...     6.80 8.40 9.10 12.5 20.1    
... ... ... ... ... ... ... ... ... 9.27% 10.3% 60.0% 63.0%    

Download Data
Home Credit Group in Quarterly Numbers

This Quarterly statistical dossier offers a summary of Home Credit Group's performance between Mar 12 and Sep 18 on an quarterly 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

Read more »

This Quarterly statistical dossier offers a summary of Home Credit Group's performance between Mar 12 and Sep 18 on an quarterly 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.

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 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 Home Credit Group's performance between 2004 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 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.

Home Credit N.V. stock traded at HKD 5.89 per share at the end of first quarter of 2019 implying a market capitalization of USD 55,722 mil.

Over the last five years, the stock has appreciated by 50.5 implying an annual average

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Home Credit N.V. stock traded at HKD 5.89 per share at the end of first quarter of 2019 implying a market capitalization of USD 55,722 mil.

Over the last five years, the stock has appreciated by 50.5 implying an annual average growth of 8.52% In absolute terms, the value of the company grew by USD 18,248 mil.

At the end of the first quarter of 2019, the bank traded at price to earnings of 6.86x and price to book value of 0.705x. The bank generated its shareholders an average return on equity of 12.0% in the last five years and average dividend yield of 0%

You can see all the bank’s data at Home Credit N.V. profile, or you can download a report on the bank in the report section.

Home Credit Group made a net profit of EUR 154 mil in the first quarter of 2019, up 650% when compared to the same period of last year. This implies a return on equity of 19.6%.

Historically, the bank’s net profit reached an

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Home Credit Group made a net profit of EUR 154 mil in the first quarter of 2019, up 650% when compared to the same period of last year. This implies a return on equity of 19.6%.

Historically, the bank’s net profit reached an all time high of EUR 269 mil in 4Q2018 and an all time low of EUR -62.2 mil in 1Q2014. The average profit in the last six quarters amounted to EUR 116 mil.

The bank generated its shareholders an average return on equity of 11.8% in the last five years with maximum at 45.6% and minimum at -18.0%.

When compared to bank's main peers, Ceska Sporitelna generated a net profit of EUR 3,942 mil with ROE of 12.6% in 1Q2019, CSOB netted EUR 4,833 mil(ROE of 20.5%) and Komercni Banka announced a net profit of EUR 3,176 mil implying ROE of 12.1%.

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.

Home Credit Group made a net profit of EUR 154 mil under revenues of EUR 1,023 mil in the first quarter of 2019, up 650% and 7.46% respectively when compared to the same period last year.

Historically, the bank’s net profit

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Home Credit Group made a net profit of EUR 154 mil under revenues of EUR 1,023 mil in the first quarter of 2019, up 650% and 7.46% respectively when compared to the same period last year.

Historically, the bank’s net profit reached an all time high of EUR 269 mil in 4Q2018 and an all time low of EUR -62.2 mil in 1Q2014. The average profit in the last six quarters amounted to EUR 116 mil.

On the other hand, bank’s revenues amounted to an all time high of EUR 1,029 mil in 4Q2018 and an all time low of EUR 307 mil in 1Q2012. The average revenues in the last six quarters reached EUR 983 mil.

When compared to bank's main peers, Ceska Sporitelna generated a quarterly net profit of EUR 3,942 mil with revenues of EUR 10,206 mil in 1Q2019, CSOB netted EUR 4,833 mil (revenues of EUR 10,526 mil) and Komercni Banka announced a net profit of EUR 3,176 mil (revenues of EUR 7,956 mil).

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.

Home Credit Group generated total banking revenues of EUR 1,023 mil in the first quarter of 2019, up 7.46% when compared to the same period of last year and down 0.583% when compared to the previous quarter.

Historically,

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Home Credit Group generated total banking revenues of EUR 1,023 mil in the first quarter of 2019, up 7.46% when compared to the same period of last year and down 0.583% when compared to the previous quarter.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 1,029 mil in 4Q2018 and an all time low of EUR 366 mil in 1Q2015. The average revenue in the last six quarters amounted to EUR 983 mil.

Net interest income represented 87.9% of total revenues, fee income contributed 10.9% and other non-interest income added further 1.17% to the overall revenue generation in 1Q2019.

Bank's total revenues accounted for 16.4% total assets in the first quarter of 2019, down from 17.3% a year earlier.

When compared to bank's main peers, Ceska Sporitelna generated total revenues of 2.73% of assets in 1Q2019 CSOB operated with 2.66% revenue margin and Komercni Banka produced total income worth 2.81% of assets.

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.

See all charts of the company »
Home Credit's net profit fell 42.8% to EUR 154 mil in 1Q2019
Home Credit's market capitalisation (end of period) fell 1.88% to USD 10,941 mil in 1Q2019
Home Credit's net interest income rose 2.16% to EUR 899 mil in 1Q2019
Home Credit's npls (as % of loans) fell 7.42% to 7.71% in 1Q2019
Home Credit's npls (as % of loans) fell 7.42% to 7.71% in 1Q2019
Home Credit's net interest margin fell 3.60% to 14.8% in 1Q2019
Home Credit's price/earnings (P/E) fell 26.8% to 14.3 in 1Q2019
Home Credit's share price (end of period) remain unchanged at EUR 9,738 in 1Q2019
Home Credit's customer loan growth rose 78.7% to 22.9% in 1Q2019
Home Credit's Cost of Risk rose 27.3% to 6.75% in 1Q2019
Home Credit's equity (as % of assets) rose 19.0% to 14.1% in 1Q2019
Home Credit's net profit rose 81.1% to EUR 498 mil in 2018
Home Credit's npls (as % of loans) fell 15.7% to 8.33% in 2018
Home Credit's net interest income rose 33.5% to EUR 3,221 mil in 2018
Home Credit's net interest income rose 33.5% to EUR 3,221 mil in 2018
Home Credit's net interest margin rose 7.18% to 14.3% in 2018
Home Credit's customer loan growth fell 77.4% to 12.8% in 2018
Home Credit's customer loan growth fell 77.4% to 12.8% in 2018
Home Credit's net profit rose 138% to EUR 181 mil in 3Q2018
Home Credit's net profit rose 138% to EUR 181 mil in 3Q2018
Home Credit's net profit rose 138% to EUR 181 mil in 3Q2018
Home Credit's net interest income rose 2.17% to EUR 799 mil in 3Q2018
Home Credit's net interest margin rose 1.77% to 14.5% in 3Q2018
Home Credit's net interest margin rose 1.77% to 14.5% in 3Q2018
Home Credit's net interest margin rose 1.77% to 14.5% in 3Q2018
Home Credit's net interest margin rose 1.77% to 14.5% in 3Q2018
Home Credit's provisions (as % of loans) fell 1.05% to 13.2% in 3Q2018
Home Credit's customer loan growth fell 45.4% to 10.9% in 3Q2018
Home Credit's corporate loans rose 934% to EUR 52.4 mil in 2015
Home Credit's retail loan growth rose 149% to 14.4% in 2015
Home Credit's price/earnings (P/E) remain unchanged at in