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Hypotecni Banka

Hypotecni's employees rose 2.90% yoy to 71.0 in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka employed 71.0 persons in 2024-12-31, up 1.43% when compared to the previous year. Historically, the bank's workf...

Hypotecni Banka - Market Share in Retail Deposits

By Helgi Library - May 24, 2025

Hypotecni Banka's retail deposits reached CZK 1.15 mil in 2024-09-30, down 0% compared to the previous year. Czech banking sect...

Hypotecni's npls (as % of loans) rose 8.83% yoy to 0.701% in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka's non-performing loans reached 0.701% of total loans at the end of 2024-12-31, up from 0.644% compared to the pre...

Profit Statement 2022 2023 2024
Net Interest Income CZK mil 3,873 3,492 2,999
Net Fee Income CZK mil 165 131 78.0
Other Income CZK mil -187 291 139
Total Revenues CZK mil 3,851 3,914 3,216
Staff Cost CZK mil 113 115 126
Operating Profit CZK mil 3,079 3,155 2,447
Provisions CZK mil 12.0 84.0 -245
Net Profit CZK mil 2,483 2,481 2,126
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 8,094 7,603 6,119
Customer Loans CZK mil 380,894 396,324 422,287
Investments CZK mil 0 0 0
Total Assets CZK mil 389,591 407,748 432,071
Shareholders' Equity CZK mil 57,078 58,041 59,186
Interbank Borrowing CZK mil 182 102 221
Customer Deposits CZK mil 2.00 1.00 1.00
Issued Debt Securities CZK mil 329,004 345,855 369,024
Ratios 2022 2023 2024
ROE % 4.49 4.31 3.63
ROA % 0.655 0.622 0.506
Costs (As % Of Assets) % 0.204 0.190 0.183
Costs (As % Of Income) % 20.0 19.4 23.9
Capital Adequacy Ratio % 49.9 55.7 50.2
Net Interest Margin % 1.02 0.876 0.714
Loans (As % Of Deposits) % 116 115 114
NPLs (As % Of Loans) % 0.584 0.644 0.701
Provisions (As % Of NPLs) % 34.4 31.1 17.8
Growth Rates 2022 2023 2024
Total Revenue Growth % 83.4 1.64 -17.8
Operating Cost Growth % -7.21 -1.68 1.32
Operating Profit Growth % 143 2.47 -22.4
Net Profit Growth % 68.0 -0.081 -14.3
Customer Loan Growth % 5.42 4.05 6.55
Total Asset Growth % 5.73 4.66 5.97
Customer Deposit Growth % 0 -50.0 0
Shareholders' Equity Growth % 6.52 1.69 1.97
Employees 72.0 69.0 69.0

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summary Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                                        
Net Interest Income CZK mil                                           3,507 3,448 2,922 2,226 3,873    
Total Revenues CZK mil                                           3,845 3,760 3,271 2,100 3,851    
Operating Profit CZK mil                                           2,853 2,770 2,295 1,268 3,079    
Net Profit CZK mil                                           2,354 2,446 1,566 1,478 2,483    
balance sheet                                                        
Interbank Loans CZK mil                                           6,622 6,623 6,623 6,625 8,094    
Customer Loans CZK mil                                           299,439 315,556 333,835 361,321 380,894    
Investments CZK mil                                           1,883 0 0 0 0    
Total Assets CZK mil                                           308,765 324,053 346,505 368,462 389,591    
                                                           
Shareholders' Equity CZK mil                                           42,203 44,600 47,077 53,585 57,078    
Interbank Borrowing CZK mil                                           2.00 9.00 141 112 182    
Customer Deposits CZK mil                                           57.0 31.0 2.00 2.00 2.00    
Issued Debt Securities CZK mil                                           264,165 277,396 295,325 311,157 329,004    
ratios                                                        
ROE % ...                                         5.77 5.64 3.42 2.94 4.49    
ROA % ...                                         0.789 0.773 0.467 0.413 0.655    
Costs (As % Of Assets) % ...                                         0.332 0.313 0.291 0.233 0.204    
Costs (As % Of Income) %                                           25.8 26.3 29.8 39.6 20.0    
Capital Adequacy Ratio % ...                                         36.5 42.6 45.9 45.2 49.9    
Net Interest Margin % ...                                         1.17 1.09 0.872 0.623 1.02    
Interest Income (As % Of Revenues) %                                           91.2 91.7 89.3 106 101    
Fee Income (As % Of Revenues) %                                           11.5 6.62 5.78 4.00 4.28    
Staff Cost (As % Of Total Cost) %                                           54.9 54.2 47.6 22.6 14.6    
Equity (As % Of Assets) %                                           13.7 13.8 13.6 14.5 14.7    
Loans (As % Of Deposits) %                                           113 114 113 116 116    
Loans (As % Assets) %                                           97.0 97.4 96.3 98.1 97.8    
NPLs (As % Of Loans) % ... ... ...                                     1.27 0.420 0.342 0.723 0.584    
Provisions (As % Of NPLs) % ... ... ...                                     43.0 91.8 117 30.1 34.4    
valuation                                                        
Book Value Per Share Growth % ...                                         -11.0 -1.68 -15.3 -23.8 74.0    
income statement Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                                        
Interest Income CZK mil                                           7,201 8,142 7,355 7,111 14,266    
Interest Cost CZK mil                                           3,694 4,694 4,433 4,885 10,393    
Net Interest Income CZK mil                                           3,507 3,448 2,922 2,226 3,873    
Net Fee Income CZK mil                                           443 249 189 84.0 165    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302 269 257 233    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 53.0 80.0 173 68.0    
Other Income CZK mil                                           -105 63.0 160 -210 -187    
Total Revenues CZK mil                                           3,845 3,760 3,271 2,100 3,851    
Staff Cost CZK mil                                           545 536 465 188 113    
Depreciation CZK mil                                           77.0 131 132 115 116    
Other Cost CZK mil                                           370 323 379 529 543    
Operating Cost CZK mil                                           992 990 976 832 772    
Operating Profit CZK mil                                           2,853 2,770 2,295 1,268 3,079    
Provisions CZK mil                                           -140 -252 358 -549 12.0    
Extra and Other Cost CZK mil                                           0 0.201 0 0 0    
Pre-Tax Profit CZK mil                                           2,993 3,022 1,937 1,817 3,067    
Tax CZK mil                                           639 576 371 339 584    
Minorities CZK mil                                           0 0 0 0 0    
Net Profit CZK mil                                           2,354 2,446 1,566 1,478 2,483    
Net Profit Avail. to Common CZK mil                                           2,354 2,446 1,566 1,478 2,483    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ...                       3,554 2,446 1,568 1,478 2,483   ...
growth rates                                                        
Net Interest Income Growth % ...                                         -11.0 -1.68 -15.3 -23.8 74.0    
Net Fee Income Growth % ...                                         -20.8 -43.8 -24.1 -55.6 96.4    
Total Revenue Growth % ...                                         -13.4 -2.21 -13.0 -35.8 83.4    
Operating Cost Growth % ...                                         1.12 -0.202 -1.41 -14.8 -7.21    
Operating Profit Growth % ...                                         -17.5 -2.91 -17.1 -44.7 143    
Pre-Tax Profit Growth % ...                                         -14.0 0.969 -35.9 -6.20 68.8    
Net Profit Growth % ...                                         -16.8 3.91 -36.0 -5.62 68.0    
market share                                                        
Market Share in Revenues %                                           2.02 1.86 1.81 1.14 1.65   ...
Market Share in Net Profit %                                           2.94 2.73 3.39 2.14 2.46    
Market Share in Employees % ...                                         1.26 1.19 1.03 0.363 0.183   ...
Market Share in Branches % ...                                         1.53 1.53 1.73 0.063 0.066   ...
balance sheet Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
balance sheet                                                        
Cash & Cash Equivalents CZK mil                                           1,619 632 1,864 433 1.00    
Interbank Loans CZK mil                                           6,622 6,623 6,623 6,625 8,094    
Customer Loans CZK mil                                           299,439 315,556 333,835 361,321 380,894    
Retail Loans CZK mil                                           299,439 315,556 333,835 361,321 380,894    
Mortgage Loans CZK mil                                           299,439 315,556 333,835 361,321 380,894    
Consumer Loans CZK mil                                           0 0 0 0 0    
Investments CZK mil                                           1,883 0 0 0 0    
Property and Equipment CZK mil                                           458 393 304 75.0 65.0    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 468 536 563 579    
Total Assets CZK mil                                           308,765 324,053 346,505 368,462 389,591    
                                                           
Shareholders' Equity CZK mil                                           42,203 44,600 47,077 53,585 57,078    
Of Which Minority Interest CZK mil                                           0 0 0 0 0    
Liabilities CZK mil                                           266,562 279,453 299,428 314,877 332,513    
Interbank Borrowing CZK mil                                           2.00 9.00 141 112 182    
Customer Deposits CZK mil                                           57.0 31.0 2.00 2.00 2.00    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             0 0 0 0 0    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             57.0 0 0 0 0    
Issued Debt Securities CZK mil                                           264,165 277,396 295,325 311,157 329,004    
Other Liabilities CZK mil                                           2,338 2,017 3,960 3,606 3,325    
asset quality                                                        
Non-Performing Loans CZK mil ... ... ...                                     3,815 1,357 1,182 2,617 2,229    
Gross Loans CZK mil ... ... ...                                     301,081 323,124 345,584 362,109 381,660    
Risk-Weighted Assets CZK mil ... ... ...                                     106,331 95,758 97,177 112,444 106,650    
Total Provisions CZK mil ... ... ...                                     1,642 1,246 1,383 788 766    
growth rates                                                        
Customer Loan Growth % ...                                         6.79 5.38 5.79 8.23 5.42    
Retail Loan Growth % ...                                         6.79 5.38 5.79 8.23 5.42    
Mortgage Loan Growth % ...                                         6.79 5.38 5.79 8.23 5.42    
Total Asset Growth % ...                                         7.09 4.95 6.93 6.34 5.73    
Shareholders' Equity Growth % ...                                         7.14 5.68 5.55 13.8 6.52    
Customer Deposit Growth % ...                                         -85.7 -45.6 -93.5 0 0    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           -100 ... ... ... ... ... ...
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...           -43.0 -100 ... ... ... ... ...
market share                                                        
Market Share in Customer Loans %                                           9.06 9.15 9.28 9.39 9.35    
Market Share in Retail Loans %                                           18.2 18.1 18.0 17.7 17.8    
Market Share in Consumer Loans %                                           0 0 0 0 0   ...
Market Share in Mortgage Loans %                                           24.0 23.7 23.3 22.7 22.8    
Market Share in Total Assets %                                           4.24 4.28 4.35 4.32 4.37   ...
Market Share in Customer Deposits %                                           0.001 < 0.001 < 0.001 < 0.001 < 0.001    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             0 0 0 0 0    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...             0.005 0 0 0 0    
ratios Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                                         
ROE % ...                                         5.77 5.64 3.42 2.94 4.49    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3.45 2.97 4.53    
ROE (@ 15% of RWA) % ... ... ... ...                                   15.6 16.1 10.8 9.40 15.1    
ROA % ...                                         0.789 0.773 0.467 0.413 0.655    
Return on Loans %                                           0.812 0.795 0.482 0.425 0.669    
Operating Profit (As % of RWA) % ... ... ... ...                                   2.83 2.74 2.38 1.21 2.81    
Costs (As % Of Assets) % ...                                         0.332 0.313 0.291 0.233 0.204    
Costs (As % Of Income) %                                           25.8 26.3 29.8 39.6 20.0    
Costs (As % Of Loans) % ...                                         0.342 0.322 0.301 0.239 0.208    
Costs (As % Of Loans & Deposits) % ...                                         0.342 0.322 0.301 0.239 0.208    
Capital Adequacy Ratio % ...                                         36.5 42.6 45.9 45.2 49.9    
Tier 1 Ratio % ...                                         36.5 42.6 45.9 45.2 49.9    
Net Interest Margin % ...                                         1.17 1.09 0.872 0.623 1.02    
Interest Spread % ...                                         0.979 0.854 0.662 0.399 0.553    
Asset Yield % ...                                         2.41 2.57 2.19 1.99 3.76    
Revenues (As % of RWA) % ... ... ... ...                                   3.82 3.72 3.39 2.00 3.52    
Cost Of Liabilities % ...                                         1.43 1.72 1.53 1.59 3.21    
Payout Ratio % ... ... ... ... ... ... ... ... ... ...                       151 100 100 100 100   ...
Interest Income (As % Of Revenues) %                                           91.2 91.7 89.3 106 101    
Fee Income (As % Of Revenues) %                                           11.5 6.62 5.78 4.00 4.28    
Other Income (As % Of Revenues) %                                           -2.73 1.68 4.89 -10.0 -4.86    
Staff Cost (As % Of Total Cost) %                                           54.9 54.2 47.6 22.6 14.6    
Equity (As % Of Assets) %                                           13.7 13.8 13.6 14.5 14.7    
Equity (As % Of Loans) %                                           14.1 14.1 14.1 14.8 15.0    
Loans (As % Of Deposits) %                                           113 114 113 116 116    
Loans (As % Assets) %                                           97.0 97.4 96.3 98.1 97.8    
NPLs (As % Of Loans) % ... ... ...                                     1.27 0.420 0.342 0.723 0.584    
Provisions (As % Of NPLs) % ... ... ...                                     43.0 91.8 117 30.1 34.4    
Provisions (As % Of Loans) % ... ... ...                                     0.548 0.395 0.414 0.218 0.201    
Cost of Provisions (As % Of Loans) % ...                                         -0.048 -0.082 0.110 -0.158 0.003    
other data Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                                         
Branches ...                                         30.0 29.0 29.0 1.00 1.00    
Employees ...                                         526 497 419 144 72.0    
Employees Per Bank Branch ...                                         17.5 17.1 14.4 144 72.0    
Cost Per Employee USD per month ...                                         3,946 3,990 4,203 5,021 5,869    
Cost Per Employee (Local Currency) CZK per month ...                                         86,343 89,944 92,482 108,796 130,787    
customer breakdown Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                                         
Customers mil ... ... ... ... ... ... ... ...                           0.206 0.223 0.230 0.240 0.240    
Number of Mortgages mil ... ... ... ... ... ... ... ...                           0.206 0.223 ... ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ...                           1,451,000 1,414,230 ... ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ...                           100 100 ... ... ... ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                           18,632 16,851 14,222 8,750 16,046    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                           11,407 10,962 6,809 6,158 10,346    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                           1,451,000 1,414,230 1,451,457 1,505,504 1,587,058    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                           276 139 8.70 8.33 8.33    
Revenue per Customer USD ... ... ... ... ... ... ... ...                           852 747 646 404 720    
Net Profit per Customer USD ... ... ... ... ... ... ... ...                           521 486 309 284 464    
Loan per Customer USD ... ... ... ... ... ... ... ...                           64,586 62,518 67,866 68,585 70,174    
Deposit per Customer USD ... ... ... ... ... ... ... ...                           12.3 6.14 0.407 0.380 0.368    

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Hypotecni's mortgage loans rose 6.55% yoy to CZK 422,287 mil in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka's mortgage loans reached CZK 422,287 mil in 4Q2024, up 2.19% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,834 bil in 4Q2024, up 1.73% when compared to the last year. Hypotecni Banka accounted for 23....

Hypotecni Banka - Market Share in Bank Loans

By Helgi Library - May 24, 2025

Hypotecni Banka's customer loans reached CZK 413,260 mil in 2024-09-30, up 1.54% compared to the previous year. Czech banking sector provided customer loans of CZK 4,524 bil in 2024-09-30, up 1.44% when compared to the last year. Hypotecni Banka accounted...

Hypotecni Banka - Market Share in Retail Loans

By Helgi Library - May 24, 2025

Hypotecni Banka's retail loans reached CZK 413,248 mil in the third quarter of 2024, up 1.54% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Hypotecni Banka ac...

Hypotecni's capital adequacy ratio fell 9.93% yoy to 50.2% in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka's capital adequacy ratio reached 50.2% at the end of fourth quarter of 2024, down from 51.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 56.4% in 2Q2008 and an all time low of 8.16% in 4Q2002...

Hypotecni's corporate loans remain unchanged yoy at CZK 7.37 mil in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka's loans reached in the first quarter of 1970, down from when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all time high of CZK mil in ...

Hypotecni's net profit fell 16.1% yoy to CZK 492 mil in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka made a net profit of CZK 492 mil under revenues of CZK 743 mil in the fourth quarter of 2024, down 16.1% and 16.1% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 973...

Hypotecni's net profit fell 16.1% yoy to CZK 492 mil in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka made a net profit of CZK 492 mil in the fourth quarter of 2024, down 16.1% when compared to the same period of last year. This implies a return on equity of 3.34%. Historically, the bank’s net profit reached an all time high of CZK 973 mil in 4Q20...

Hypotecni's costs (as % of assets) rose 26.3% yoy to 0.175% in 4Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka's cost to income ratio reached 25.4% in the fourth quarter of 2024, down from 33.6% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 65.9% of income in 4Q2021 and an all time low of 7.70% in 4Q...

Hypotecni Banka - Market Share in Bank Deposits

By Helgi Library - May 24, 2025

Hypotecni Banka's customer deposits reached CZK 1.15 mil in 2024-09-30, down 0% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,407 bil in 2024-09-30, up 1.79% when compared to the last year. Hypotecni Banka account...

Hypotecni's total revenues fell 12.7% yoy to CZK 781 mil in 3Q2024

By Helgi Library - May 24, 2025

Hypotecni Banka generated total banking revenues of CZK 781 mil in 2024-09-30, down 3.95% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when compared to the last...

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Hypoteční Banka is the Czech Republic's largest mortgage lender with a market share of around 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), it is extremely cost-efficient and its asset quality remains under good control. When adjusted for hefty overcapitalisation, Hypoteční Banka’s ROE jumps to impressive 20's% being on eof the most profitable banks on the Czech market in the last decade.

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Finance

Hypotecni Banka has been growing its revenues and asset by -4.64% and 6.87% a year on average in the last 10 years. Its loans and deposits have grown by 7.17% and -46.6% a year during that time and loans to deposits ratio reached 114% at the end of 2024. The company achieved an average return on equity of 5.66% in the last decade with net profit growing -3.63% a year on average. In terms of operating efficiency, its cost to income ratio reached 23.9% in 2024, compared to 24.6% average in the last decade.

Equity represented 13.7% of total assets or 14.0% of loans at the end of 2024. Hypotecni Banka's non-performing loans were 0.701% of total loans while provisions covered some 17.8% of NPLs at the end of 2024.