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Hypotecni Banka

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Hypotecni Banka

Hypoteční Banka is the Czech Republic's largest mortgage lender with a share of over 25%. Despite being a 100% subsidiary of ČSOB, Hypoteční has kept its distinctive brand name and relatively high level of independence. The numbers suggest that the bank possesses all the right ingredients for success; it is exposed to the fastest-growing area of banking, mortgage lending (its loan book has doubled over the last five years), it is extremely cost-efficient, with costs accounting for less than 16% of revenues, its asset quality remains under good control (with non-performing loans at 3.8% of the total at the end of 2012) and its interest margins are still good (above 200 bp) in spite of the declining interest rates. When adjusted for hefty overcapitalisation, Hypoteční Banka’s ROE jumps to a more realistic 20-30%, one of the highest figures in the Czech banking sector.

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Annual Quarterly

summary

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income statement

Net Interest Income	CZK mil
Total Revenues	CZK mil
Operating Profit	CZK mil
Net Profit	CZK mil

4,333	4,533	4,580	4,617	4,427
4,711	4,975	5,069	5,172	4,985
3,982	4,186	4,209	4,237	4,111
2,631	2,796	2,858	3,078	2,990

balance sheet

Interbank Loans	CZK mil
Customer Loans	CZK mil
Debt Securities	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil

17,903	20,239	17,531	10,536	6,622
162,787	180,678	196,097	211,380	228,340
0.000	0.000	0.000	17.0	25.0
181,002	201,176	213,948	222,353	236,195
24,460	27,857	27,918	30,619	33,647
54,819	68,931	64,464	38,793	220
696	435	515	535	452
100,419	103,242	120,344	151,372	200,797

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

			11.6%	10.7%	10.2%	10.5%	9.31%
			1.53%	1.46%	1.38%	1.41%	1.30%
			0.424%	0.413%	0.414%	0.429%	0.381%
			15.5%	15.8%	17.0%	18.1%	17.5%
...			46.4%	43.5%	33.8%	34.7%	36.6%
			2.52%	2.37%	2.21%	2.12%	1.93%
			92.0%	91.1%	90.4%	89.3%	88.8%
			9.66%	9.23%	9.55%	9.18%	10.1%
			59.8%	61.4%	55.8%	51.7%	61.7%
			13.5%	13.8%	13.0%	13.8%	14.2%
			162%	175%	163%	140%	114%
			89.9%	89.8%	91.7%	95.1%	96.7%
...	...	...	4.07%	3.90%	3.76%	5.24%	3.12%
...	...	...	34.7%	40.2%	42.7%	29.4%	43.4%

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income statement

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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
Dividends	CZK mil

										8,880	9,224	8,449	8,166	7,565
										4,547	4,690	3,869	3,549	3,138
										4,333	4,533	4,580	4,617	4,427
										455	459	484	475	504
										-76.6	-17.6	5.00	80.0	54.0
										4,711	4,975	5,069	5,172	4,985
										436	484	480	483	539
										64.4	76.0	88.0	111	49.0
										229	229	292	341	286
										730	788	860	935	874
										3,982	4,186	4,209	4,237	4,111
										729	737	672	439	419
										-0.001	< 0.001	-1.00	0.000	0.000
										3,252	3,450	3,538	3,798	3,692
										622	654	680	720	702
										0.000	0.000	0.000	0.000	0.000
										2,631	2,796	2,858	3,078	2,990
...	...	...	...	...	...	...	...	...	...	2,499	2,796	2,858	3,078	2,990	...

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	18.3%	4.62%	1.03%	0.808%	-4.12%
...	16.4%	0.918%	5.42%	-1.86%	6.11%
...	16.2%	5.59%	1.89%	2.03%	-3.62%
...	8.01%	8.00%	9.09%	8.72%	-6.52%
...	17.8%	5.15%	0.539%	0.665%	-2.97%
...	42.1%	6.07%	2.55%	7.35%	-2.79%
...	42.4%	6.27%	2.24%	7.70%	-2.86%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Branches	%

										2.91%	2.98%	3.01%	3.08%	2.86%
...	...	...	...							4.93%	4.35%	4.68%	4.88%	4.51%
...										1.10%	1.14%	1.22%	1.21%	1.26%
...				...	...	...	...	...	...	...	0.810%	0.749%	1.32%	1.34%

Download Data

balance sheet

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balance sheet

Cash	CZK mil
Interbank Loans	CZK mil
Customer Loans	CZK mil
Retail Loans	CZK mil
Mortgage Loans	CZK mil
Consumer Loans	CZK mil
Corporate Loans	CZK mil
Debt Securities	CZK mil
Fixed Assets	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Of Which Minority Interest	CZK mil
Liabilities	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Retail Deposits	CZK mil
Corporate Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

														17,782	20,945	33.0	29.0	688
														17,903	20,239	17,531	10,536	6,622
														162,787	180,678	196,097	211,380	228,340
														162,787	180,678	196,097	211,380	228,340
														162,787	180,678	196,097	211,380	228,340
														0.000	0.000	0.000	0.000	0.000
														0.000	0.000	0.000	0.000	0.000
														0.000	0.000	0.000	17.0	25.0
														158	128	122	125	228
														181,002	201,176	213,948	222,353	236,195
														24,460	27,857	27,918	30,619	33,647
														0.000	0.000	0.000	0.000	0.000
														156,542	173,319	186,030	191,734	202,548
														54,819	68,931	64,464	38,793	220
														696	435	515	535	452
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	341	315	317	302
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	94.0	200	218	150
														100,419	103,242	120,344	151,372	200,797
														608	710	707	1,034	1,079

asset quality

Non-Performing Loans	CZK mil
Gross Loans	CZK mil
Total Provisions	CZK mil

...	...	...	6,715	7,160	7,501	11,229	7,201
...	...	...	165,117	183,558	199,297	214,309	231,075
...	...	...	2,330	2,880	3,200	3,302	3,124

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...														12.2%	11.0%	8.53%	7.79%	8.02%
...														12.2%	11.0%	8.53%	7.79%	8.02%
...														12.2%	11.0%	8.53%	7.79%	8.02%
...														10.9%	11.1%	6.35%	3.93%	6.23%
...														16.0%	13.9%	0.219%	9.67%	9.89%
...														53.0%	-37.5%	18.3%	3.88%	-15.5%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	-7.62%	0.635%	-4.73%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	113%	9.00%	-31.2%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

														7.42%	8.03%	7.88%	8.12%	8.21%
														0.000%	0.000%	0.000%	0.000%	0.000%
														0.000%	0.000%	0.000%	0.000%	0.000%
														14.9%	16.0%	16.6%	17.2%	17.3%
														21.1%	22.3%	23.0%	23.5%	23.5%
														4.04%	4.34%	4.16%	4.19%	4.26%
														0.026%	0.015%	0.017%	0.016%	0.013%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.019%	0.017%	0.016%	0.015%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.013%	0.026%	0.026%	0.016%

Download Data

ratios

Unit

1997

1998

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ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	CZK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

														11.6%	10.7%	10.2%	10.5%	9.31%
														1.53%	1.46%	1.38%	1.41%	1.30%
														0.424%	0.413%	0.414%	0.429%	0.381%
														15.5%	15.8%	17.0%	18.1%	17.5%
...														46.4%	43.5%	33.8%	34.7%	36.6%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	43.5%	33.8%	34.2%	36.1%
														2.52%	2.37%	2.21%	2.12%	1.93%
...														2.11%	1.98%	1.92%	1.86%	1.71%
														5.16%	4.83%	4.07%	3.74%	3.30%
...														3.04%	2.84%	2.15%	1.88%	1.59%
...	...	...	...	...	...	...	...	...	...					95.0%	100%	100%	100%	100%	...
														92.0%	91.1%	90.4%	89.3%	88.8%
														9.66%	9.23%	9.55%	9.18%	10.1%
														-1.63%	-0.353%	0.099%	1.55%	1.08%
...														4,737	4,491	4,233	3,851	4,034
...														83,781	87,849	82,816	82,311	86,212
														59.8%	61.4%	55.8%	51.7%	61.7%
														13.5%	13.8%	13.0%	13.8%	14.2%
														162%	175%	163%	140%	114%
														89.9%	89.8%	91.7%	95.1%	96.7%
...	...	...												4.07%	3.90%	3.76%	5.24%	3.12%
...	...	...												34.7%	40.2%	42.7%	29.4%	43.4%
...	...	...												1.43%	1.59%	1.63%	1.56%	1.37%
														0.474%	0.429%	0.357%	0.215%	0.191%

Download Data

other data

Unit

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other data

Branches
Employees
Volume Of New Mortgages Sold	CZK mil
Number Of New Mortgages Provided
Average Size Of A New Mortgage	CZK '000

...							...	...	...	...	...	...	...	17.0	16.0	28.0	29.0
...													434	459	483	489	521
...	...												21,201	22,832	42,953	43,055	52,423	...
...	...	...	...	...	...	...							35,755	37,427	25,544	24,372	28,022	...
...	...	...	...	...	...	...							593	610	1,682	1,767	1,871	...

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Comparison of 22 Banks in Czech Republic

January 24, 2019

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

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

January 24, 2019

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

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.

The file contains data of following banks:

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

Hypotecni Banka in Quarterly Numbers

January 20, 2019

This Quarterly statistical dossier offers a summary of Hypotecni Banka's performance between Mar 00 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,

This Quarterly statistical dossier offers a summary of Hypotecni Banka's performance between Mar 00 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 Hypotecni'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.

Hypotecni Banka in Numbers

September 25, 2018

This Annual statistical dossier offers a summary of Hypotecni Banka's performance between 1997 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

This Annual statistical dossier offers a summary of Hypotecni Banka's performance between 1997 and 2017 on an annual basis. The report can be downloaded as an excel file.

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

Czech Banking - Analysis of 3Q2014

January 11, 2015

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.

The key points are:

Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.

The report is free to download, just register at our webpage.

Hypoteční banka - Analysis of 3Q2014 Performance

January 10, 2015

This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

Hypoteční's profit falls 13%...

Hypoteční banka reported a net profit of CZK

This report analyses the performance of the Bank for the 3Q2014. You will find all the necessary details regarding volume growth, market share, margin and asset quality development in the Bank.

The key highlights are:

Hypoteční's profit falls 13%...

Hypoteční banka reported a net profit of CZK 701 mil. in 3Q2014, down 13.4% compared to the same period last year. Ongoing margin pressure and an increased cost of risk stand behind the profit deterioration.

...but the overall picture remains solid

The big picture remains solid in spite of the weak momentum. The bank remains highly profitable (ROE reaches 18% when adjusted for the bank's overcapitalization), cost efficient (with cost to income at less than 18%), maintains its leading position on the market (a further 26 bp have been added to bank's 26.5% market share over the last year) and has plenty of (too much) capital to play with.

The challenges therefore come from external factors such as the declining interest rates on new mortgages sold and the ongoing market pressure.

Increasing margin pressure

The low rate environment is taking an increasing toll on the mortgage business profitability. The average interest rate on new loans has approached a level of 2.5%, which means big pressure on pricing when refinancing existing stock (still priced at nearly 4.0%).

Although the margin on new lending still seems to be pretty fat (1.9% when adjusted for 5-year swap), we believe it will decline in the coming quarters:

Lack of volume growth is one reason for the expected pressure and increasing competition is the other.

Slowing volume growth

Mortgage lending still remains one of the fastest-growing parts of the banking business in the Czech Republic. In the last 12 months, it has grown 7.1% yoy, which represented 40% of the overall increase in the sector loan book (and 90% in 3Q14 alone).

The problem might be that the volume of growth is not as impressive as in the past, so margin pressure could eat more into bank's profits at this time:

Rising competition pressure

Hypoteční banka is one of the best banks in the country in our view. The bank is well managed, is exposed to the right segment and has built and defended a leading position on the market.

The margin pressure and slower growth could however increase competition in the coming quarters. Apart from the more active rivals Spořitelna and Komerční, there is a pack of small players to watch for (Sberbank, Air Bank, mBank, Equa).

While small on their own and fragmented, together they could make a difference.

You will find more details about the bank at www.helgilibrary.com/companies

Hypotecni Banka at a Glance

February 2, 2014

This report offers a summary of the company's performance in 1997-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector

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What Banks in Czechia Generated the Most Fees in 3Q2016?

March 12, 2019

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Ceska Sporitelna generated the largest fee income, followed by Komercni Banka and CSOB.

Ceska Sporitelna reported total fee income of CZK 2,252 mil, down 4.74%

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Ceska Sporitelna generated the largest fee income, followed by Komercni Banka and CSOB.

Ceska Sporitelna reported total fee income of CZK 2,252 mil, down 4.74% when compared to the previous quarter and down 6.71% when compared to the same period of last year. Historically, the bank’s fee income reached an all time high of CZK 3,220 mil in 4Q2011 and an all time low of CZK 1,384 mil in 1Q2001.

When compared to the nearest peers, Komercni Banka generated total fee income of CZK 1,629 mil, CSOB operated with CZK 1,508 mil fee income and UniCredit Czech Republic produced total fees worth CZK 837 mil.

You can see all the banks fee income data at Fee Income indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Generated the Most Revenues in 3Q2016?

March 12, 2019

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Ceska Sporitelna generated the largest revenues, followed by CSOB and Komercni Banka.

Ceska Sporitelna reported total revenues of CZK 9,481 mil, down 0.667%

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Ceska Sporitelna generated the largest revenues, followed by CSOB and Komercni Banka.

Ceska Sporitelna reported total revenues of CZK 9,481 mil, down 0.667% when compared to the previous quarter and down 4.26% when compared to the same period of last year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of CZK 12,013 mil in 2Q2009 and an all time low of CZK 4,937 mil in 1Q2001. The average revenue in the last five years amounted to CZK 10,284 mil.

Bank's total revenues accounted for 3.49% of total assets in 3Q2016, down from 4.13% a year earlier.

When compared to the nearest peers, CSOB generated total revenues of CZK 7,963 mil, or 2.98% of assets in 3Q2016, Komercni Banka operated with CZK 7,702 mil total income, or 3.20% revenue margin and UniCredit Czech Republic produced total income worth CZK 3,660 mil, or 2.40% of assets.

Czech banking sector generated total revenues of CZK 41,060 mil in 3Q2016, down 3.16% when compared to the last year. As a result, the top ranked company - Ceska Sporitelna accounted for 23.1% of the sector’s total income in 3Q2016. The top 3 companies held a 61.2% share while the five largest firms some 76.7% in 3Q2016.

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

What Banks in Czechia Paid its Staff the Most in 3Q2016?

March 12, 2019

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, PPF Banka was paying its employees the best, followed by Moravsky Penezni Ustav and Expobank Czech Republic.

PPF Banka employed 214 persons in 3Q2016, down 9.80%

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, PPF Banka was paying its employees the best, followed by Moravsky Penezni Ustav and Expobank Czech Republic.

PPF Banka employed 214 persons in 3Q2016, down 9.80% when compared to the previous quarter and up 6.53% when compared to the same period of last year. Historically, the bank's workforce hit an all time high of 217 persons in 2Q2016 and an all time low of 124 in 4Q2009.

Average cost reached CZK 125,454 per month per employee, 6.53% more than a year ago.

Staff accounted for 44.4% of total operating expenditures in 3Q2016.

When compared to bank's main peers, Moravsky Penezni Ustav had 104 employees with average cost of CZK 93,115 per month per person, Expobank Czech Republic operated with 198 people (and CZK 89,262 per month per employee) and UniCredit Czech Republic had 2,988 employees in 3Q2016 with cost of CZK 88,267 per month per head.

The average staff cost per employee reached CZK 75,187 per month in the Czech banking sector in 3Q2016.

You can see all the banks cost per employee data at Cost Per Employee indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Most Cost Efficient in 3Q2016?

March 12, 2019

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Hypotecni Banka was the most cost efficient bank, followed by Stavebni Sporitelna Ceske Sporitelny and PPF Banka.

Hypotecni Banka's cost to income ratio reached 17.4% in 3Q2016,

Based on a comparison of 21 banks in the Czech Republic in 3Q2016, Hypotecni Banka was the most cost efficient bank, followed by Stavebni Sporitelna Ceske Sporitelny and PPF Banka.

Hypotecni Banka's cost to income ratio reached 17.4% in 3Q2016, down from 18.1% when compared to the previous quarter and up from 16.9% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 3Q2016, down from 0.355% a year earlier.

When compared to the nearest peers, Stavebni Sporitelna Ceske Sporitelny operated in 3Q2016 with a cost to income ratio of 27.6%, PPF Banka reached 30.2% and Raiffeisen Stavebni Sporitelna some 34.7%.

The average cost to income ratio reached 47.3% in the Czech banking sector in 3Q2016.

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

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Hypotecni's net interest margin rose 14.9% to 1.23% in 3Q2018

Hypotecni's net profit fell 1.18% to CZK 602 mil in 3Q2018

Hypotecni's capital adequacy ratio fell 13.7% to 35.5% in 3Q2018

Hypotecni's costs (as % of assets) fell 3.75% to 0.292% in 3Q2018

Hypotecni's net interest income rose 16.7% to CZK 923 mil in 3Q2018

Hypotecni's mortgage loans rose 10.4% to CZK 280,409 mil in 2017

Hypotecni's customer loans rose 10.4% to CZK 280,409 mil in 2017

Hypotecni's net interest margin fell 20.7% to 1.43% in 2017

Hypotecni's net profit fell 11.8% to CZK 2,828 mil in 2017

Hypotecni's npls (as % of loans) fell 28.8% to 1.65% in 2017

Hypotecni's total revenues fell 12.3% to CZK 4,439 mil in 2017