By Helgi Library - September 30, 2023
Hypotecni Banka's customer deposits reached CZK 5,233 mil in 2023-06-30, up 1.00% compared to the previous year. Czech banking ...
By Helgi Library - September 30, 2023
Hypotecni Banka employed 69.5 persons in 2023-06-30, up 0.652% when compared to the previous year. Historically, the bank's work...
By Helgi Library - September 30, 2023
Hypotecni Banka's non-performing loans reached 0.570% of total loans at the end of 2023-06-30, down from 0.664% compared to the p...
| Profit Statement | 2020 | 2021 | 2022 | |
| Net Interest Income | CZK mil | 2,922 | 2,226 | 3,873 |
| Net Fee Income | CZK mil | 189 | 84.0 | 165 |
| Other Income | CZK mil | 160 | -210 | -187 |
| Total Revenues | CZK mil | 3,271 | 2,100 | 3,851 |
| Staff Cost | CZK mil | 465 | 188 | 113 |
| Operating Profit | CZK mil | 2,295 | 1,268 | 3,079 |
| Provisions | CZK mil | 358 | -549 | 12.0 |
| Net Profit | CZK mil | 1,566 | 1,478 | 2,483 |
| Balance Sheet | 2020 | 2021 | 2022 | |
| Interbank Loans | CZK mil | 6,623 | 6,625 | 8,094 |
| Customer Loans | CZK mil | 333,835 | 361,321 | 380,894 |
| Investments | CZK mil | 0 | 0 | 0 |
| Total Assets | CZK mil | 346,505 | 368,462 | 389,591 |
| Shareholders' Equity | CZK mil | 47,077 | 53,585 | 57,078 |
| Interbank Borrowing | CZK mil | 141 | 112 | 182 |
| Customer Deposits | CZK mil | 2.00 | 2.00 | 2.00 |
| Issued Debt Securities | CZK mil | 295,325 | 311,157 | 329,004 |
| Ratios | 2020 | 2021 | 2022 | |
| ROE | % | 3.42 | 2.94 | 4.49 |
| ROA | % | 0.467 | 0.413 | 0.655 |
| Costs (As % Of Assets) | % | 0.291 | 0.233 | 0.204 |
| Costs (As % Of Income) | % | 29.8 | 39.6 | 20.0 |
| Capital Adequacy Ratio | % | 45.9 | 45.2 | 49.9 |
| Net Interest Margin | % | 0.872 | 0.623 | 1.02 |
| Loans (As % Of Deposits) | % | 113 | 116 | 116 |
| NPLs (As % Of Loans) | % | 0.342 | 0.723 | 0.584 |
| Provisions (As % Of NPLs) | % | 117 | 30.1 | 34.4 |
| Growth Rates | 2020 | 2021 | 2022 | |
| Total Revenue Growth | % | -13.0 | -35.8 | 83.4 |
| Operating Cost Growth | % | -1.41 | -14.8 | -7.21 |
| Operating Profit Growth | % | -17.1 | -44.7 | 143 |
| Net Profit Growth | % | -36.0 | -5.62 | 68.0 |
| Customer Loan Growth | % | 5.79 | 8.23 | 5.42 |
| Total Asset Growth | % | 6.93 | 6.34 | 5.73 |
| Customer Deposit Growth | % | -93.5 | 0 | 0 |
| Shareholders' Equity Growth | % | 5.55 | 13.8 | 6.52 |
| Employees | 419 | 144 | 72.0 | |
Get all company financials in excel:
| 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 |
| income statement | |||||||||||||||||||||||||||
| Net Interest Income | CZK mil | 4,497 | 3,939 | 3,507 | 3,448 | 2,922 | |||||||||||||||||||||
| Total Revenues | CZK mil | 5,061 | 4,439 | 3,845 | 3,760 | 3,271 | |||||||||||||||||||||
| Operating Profit | CZK mil | 3,992 | 3,458 | 2,853 | 2,770 | 2,295 | |||||||||||||||||||||
| Net Profit | CZK mil | 3,206 | 2,828 | 2,354 | 2,446 | 1,566 | |||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||
| Interbank Loans | CZK mil | 6,622 | 6,621 | 6,622 | 6,623 | 6,623 | |||||||||||||||||||||
| Customer Loans | CZK mil | 254,078 | 280,409 | 299,439 | 315,556 | 333,835 | |||||||||||||||||||||
| Investments | CZK mil | 68.0 | 1,829 | 1,883 | 0 | 0 | |||||||||||||||||||||
| Total Assets | CZK mil | 262,513 | 288,314 | 308,765 | 324,053 | 346,505 | |||||||||||||||||||||
| Shareholders' Equity | CZK mil | 34,172 | 39,391 | 42,203 | 44,600 | 47,077 | |||||||||||||||||||||
| Interbank Borrowing | CZK mil | 2.00 | 2.00 | 2.00 | 9.00 | 141 | |||||||||||||||||||||
| Customer Deposits | CZK mil | 402 | 398 | 57.0 | 31.0 | 2.00 | |||||||||||||||||||||
| Issued Debt Securities | CZK mil | 226,579 | 247,011 | 264,165 | 277,396 | 295,325 | |||||||||||||||||||||
| ratios | |||||||||||||||||||||||||||
| ROE | % | ... | 9.45 | 7.69 | 5.77 | 5.64 | 3.42 | ||||||||||||||||||||
| ROA | % | ... | 1.29 | 1.03 | 0.789 | 0.773 | 0.467 | ||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 0.429 | 0.356 | 0.332 | 0.313 | 0.291 | ||||||||||||||||||||
| Costs (As % Of Income) | % | 21.1 | 22.1 | 25.8 | 26.3 | 29.8 | |||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | 33.5 | 37.3 | 36.5 | 42.6 | 45.9 | ||||||||||||||||||||
| Net Interest Margin | % | ... | 1.80 | 1.43 | 1.17 | 1.09 | 0.872 | ||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 88.9 | 88.7 | 91.2 | 91.7 | 89.3 | |||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 10.3 | 12.6 | 11.5 | 6.62 | 5.78 | |||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 50.5 | 55.5 | 54.9 | 54.2 | 47.6 | |||||||||||||||||||||
| Equity (As % Of Assets) | % | 13.0 | 13.7 | 13.7 | 13.8 | 13.6 | |||||||||||||||||||||
| Loans (As % Of Deposits) | % | 112 | 114 | 113 | 114 | 113 | |||||||||||||||||||||
| Loans (As % Assets) | % | 96.8 | 97.3 | 97.0 | 97.4 | 96.3 | |||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 2.32 | 1.66 | 1.27 | 0.420 | 0.342 | ||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 43.1 | 45.1 | 43.0 | 91.8 | 117 | ||||||||||||||||||
| valuation | |||||||||||||||||||||||||||
| Market Capitalisation | USD mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number Of Shares | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Share Price | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share (EPS) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Dividend Per Share | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| 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 |
| income statement | |||||||||||||||||||||||||||
| Interest Income | CZK mil | 7,140 | 6,811 | 7,201 | 8,142 | 7,355 | |||||||||||||||||||||
| Interest Cost | CZK mil | 2,643 | 2,872 | 3,694 | 4,694 | 4,433 | |||||||||||||||||||||
| Net Interest Income | CZK mil | 4,497 | 3,939 | 3,507 | 3,448 | 2,922 | |||||||||||||||||||||
| Net Fee Income | CZK mil | 523 | 559 | 443 | 249 | 189 | |||||||||||||||||||||
| Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 302 | 269 | ||
| Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 53.0 | 80.0 | ||
| Other Income | CZK mil | 41.0 | -59.0 | -105 | 63.0 | 160 | |||||||||||||||||||||
| Insurance Premium Earned | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Revenues | CZK mil | 5,061 | 4,439 | 3,845 | 3,760 | 3,271 | |||||||||||||||||||||
| Staff Cost | CZK mil | 540 | 544 | 545 | 536 | 465 | |||||||||||||||||||||
| Depreciation | CZK mil | 85.0 | 64.0 | 77.0 | 131 | 132 | |||||||||||||||||||||
| Other Cost | CZK mil | 444 | 373 | 370 | 323 | 379 | |||||||||||||||||||||
| Operating Cost | CZK mil | 1,069 | 981 | 992 | 990 | 976 | |||||||||||||||||||||
| Operating Profit | CZK mil | 3,992 | 3,458 | 2,853 | 2,770 | 2,295 | |||||||||||||||||||||
| Provisions | CZK mil | 47.0 | -21.0 | -140 | -252 | 358 | |||||||||||||||||||||
| Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0.201 | 0 | |||||||||||||||||||||
| Pre-Tax Profit | CZK mil | 3,945 | 3,479 | 2,993 | 3,022 | 1,937 | |||||||||||||||||||||
| Tax | CZK mil | 739 | 651 | 639 | 576 | 371 | |||||||||||||||||||||
| Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||
| Net Profit | CZK mil | 3,206 | 2,828 | 2,354 | 2,446 | 1,566 | |||||||||||||||||||||
| Net Profit Avail. to Common | CZK mil | 3,206 | 2,828 | 2,354 | 2,446 | 1,566 | |||||||||||||||||||||
| Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,800 | 2,828 | 3,554 | 2,446 | 1,568 | ... | ||||||||||
| growth rates | |||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | 1.58 | -12.4 | -11.0 | -1.68 | -15.3 | ||||||||||||||||||||
| Net Fee Income Growth | % | ... | 3.77 | 6.88 | -20.8 | -43.8 | -24.1 | ||||||||||||||||||||
| Total Revenue Growth | % | ... | 1.52 | -12.3 | -13.4 | -2.21 | -13.0 | ||||||||||||||||||||
| Operating Cost Growth | % | ... | 22.3 | -8.23 | 1.12 | -0.202 | -1.41 | ||||||||||||||||||||
| Operating Profit Growth | % | ... | -2.89 | -13.4 | -17.5 | -2.91 | -17.1 | ||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | 6.85 | -11.8 | -14.0 | 0.969 | -35.9 | ||||||||||||||||||||
| Net Profit Growth | % | ... | 7.22 | -11.8 | -16.8 | 3.91 | -36.0 | ||||||||||||||||||||
| market share | |||||||||||||||||||||||||||
| Market Share in Revenues | % | 2.81 | 2.48 | 2.02 | 1.86 | 1.81 | |||||||||||||||||||||
| Market Share in Net Profit | % | 4.34 | 3.75 | 2.89 | 2.68 | 3.30 | |||||||||||||||||||||
| Market Share in Employees | % | ... | 1.33 | 1.31 | 1.26 | 1.19 | 1.03 | ||||||||||||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Branches | % | ... | 1.42 | 1.54 | 1.53 | 1.53 | 1.73 |
| 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 |
| balance sheet | |||||||||||||||||||||||||||
| Cash & Cash Equivalents | CZK mil | 1,150 | 725 | 1,619 | 632 | 1,864 | |||||||||||||||||||||
| Interbank Loans | CZK mil | 6,622 | 6,621 | 6,622 | 6,623 | 6,623 | |||||||||||||||||||||
| Customer Loans | CZK mil | 254,078 | 280,409 | 299,439 | 315,556 | 333,835 | |||||||||||||||||||||
| Retail Loans | CZK mil | 254,078 | 280,409 | 299,439 | 315,556 | 333,835 | |||||||||||||||||||||
| Mortgage Loans | CZK mil | 254,078 | 280,409 | 299,439 | 315,556 | 333,835 | |||||||||||||||||||||
| Consumer Loans | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||
| Corporate Loans | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Investments | CZK mil | 68.0 | 1,829 | 1,883 | 0 | 0 | |||||||||||||||||||||
| Property and Equipment | CZK mil | 296 | 369 | 458 | 393 | 304 | |||||||||||||||||||||
| Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 468 | 536 | ||
| Goodwill | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Assets | CZK mil | 262,513 | 288,314 | 308,765 | 324,053 | 346,505 | |||||||||||||||||||||
| Shareholders' Equity | CZK mil | 34,172 | 39,391 | 42,203 | 44,600 | 47,077 | |||||||||||||||||||||
| Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||
| Liabilities | CZK mil | 228,341 | 248,923 | 266,562 | 279,453 | 299,428 | |||||||||||||||||||||
| Interbank Borrowing | CZK mil | 2.00 | 2.00 | 2.00 | 9.00 | 141 | |||||||||||||||||||||
| Customer Deposits | CZK mil | 402 | 398 | 57.0 | 31.0 | 2.00 | |||||||||||||||||||||
| Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 283 | 298 | 0 | 0 | 0 | ||||||
| Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 119 | 100 | 57.0 | 0 | 0 | ||||||
| Sight Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Term Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Issued Debt Securities | CZK mil | 226,579 | 247,011 | 264,165 | 277,396 | 295,325 | |||||||||||||||||||||
| Subordinated Debt | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Other Liabilities | CZK mil | 1,358 | 1,512 | 2,338 | 2,017 | 3,960 | |||||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||
| Non-Performing Loans | CZK mil | ... | ... | ... | 5,945 | 4,700 | 3,815 | 1,357 | 1,182 | ||||||||||||||||||
| Gross Loans | CZK mil | ... | ... | ... | 256,639 | 282,531 | 301,081 | 323,124 | 345,584 | ||||||||||||||||||
| Risk-Weighted Assets | CZK mil | ... | ... | ... | 101,697 | 95,221 | 106,331 | 95,758 | 97,177 | ||||||||||||||||||
| Total Provisions | CZK mil | ... | ... | ... | 2,561 | 2,122 | 1,642 | 1,246 | 1,383 | ||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | 11.3 | 10.4 | 6.79 | 5.38 | 5.79 | ||||||||||||||||||||
| Retail Loan Growth | % | ... | 11.3 | 10.4 | 6.79 | 5.38 | 5.79 | ||||||||||||||||||||
| Mortgage Loan Growth | % | ... | 11.3 | 10.4 | 6.79 | 5.38 | 5.79 | ||||||||||||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Total Asset Growth | % | ... | 11.1 | 9.83 | 7.09 | 4.95 | 6.93 | ||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | 1.56 | 15.3 | 7.14 | 5.68 | 5.55 | ||||||||||||||||||||
| Customer Deposit Growth | % | ... | -11.1 | -0.995 | -85.7 | -45.6 | -93.5 | ||||||||||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -6.29 | 5.30 | -100 | ... | ... | ... | ... | |||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -20.7 | -16.0 | -43.0 | -100 | ... | ... | ... | |||
| market share | |||||||||||||||||||||||||||
| Market Share in Customer Loans | % | 8.61 | 9.09 | 9.06 | 9.15 | 9.28 | |||||||||||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Share in Retail Loans | % | 17.9 | 18.4 | 18.2 | 18.1 | 18.0 | |||||||||||||||||||||
| Market Share in Consumer Loans | % | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||||
| Market Share in Mortgage Loans | % | 24.1 | 24.4 | 24.0 | 23.7 | 23.3 | |||||||||||||||||||||
| Market Share in Total Assets | % | 4.40 | 4.12 | 4.24 | 4.28 | 4.35 | |||||||||||||||||||||
| Market Share in Customer Deposits | % | 0.011 | 0.010 | 0.001 | < 0.001 | < 0.001 | |||||||||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.013 | 0.013 | 0 | 0 | 0 | ||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.013 | 0.010 | 0.005 | 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 |
| ROE | % | ... | 9.45 | 7.69 | 5.77 | 5.64 | 3.42 | ||||||||||||||||||||
| ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.45 | ||
| ROE (@ 15% of RWA) | % | ... | ... | ... | ... | 22.1 | 19.1 | 15.6 | 16.1 | 10.8 | |||||||||||||||||
| ROA | % | ... | 1.29 | 1.03 | 0.789 | 0.773 | 0.467 | ||||||||||||||||||||
| Return on Loans | % | ... | 1.33 | 1.06 | 0.812 | 0.795 | 0.482 | ||||||||||||||||||||
| Operating Profit (As % of RWA) | % | ... | ... | ... | ... | 4.13 | 3.51 | 2.83 | 2.74 | 2.38 | |||||||||||||||||
| Costs (As % Of Assets) | % | ... | 0.429 | 0.356 | 0.332 | 0.313 | 0.291 | ||||||||||||||||||||
| Costs (As % Of Income) | % | 21.1 | 22.1 | 25.8 | 26.3 | 29.8 | |||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 0.443 | 0.367 | 0.342 | 0.322 | 0.301 | ||||||||||||||||||||
| Costs (As % Of Loans & Deposits) | % | ... | 0.442 | 0.367 | 0.342 | 0.322 | 0.301 | ||||||||||||||||||||
| Capital Adequacy Ratio | % | ... | 33.5 | 37.3 | 36.5 | 42.6 | 45.9 | ||||||||||||||||||||
| Tier 1 Ratio | % | ... | 32.9 | 37.3 | 36.5 | 42.6 | 45.9 | ||||||||||||||||||||
| Net Interest Margin | % | ... | 1.80 | 1.43 | 1.17 | 1.09 | 0.872 | ||||||||||||||||||||
| Interest Spread | % | ... | 1.64 | 1.27 | 0.979 | 0.854 | 0.662 | ||||||||||||||||||||
| Asset Yield | % | ... | 2.86 | 2.47 | 2.41 | 2.57 | 2.19 | ||||||||||||||||||||
| Revenues (As % of RWA) | % | ... | ... | ... | ... | 5.24 | 4.51 | 3.82 | 3.72 | 3.39 | |||||||||||||||||
| Cost Of Liabilities | % | ... | 1.23 | 1.20 | 1.43 | 1.72 | 1.53 | ||||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 56.1 | 100 | 151 | 100 | 100 | ... | ||||||||||
| Interest Income (As % Of Revenues) | % | 88.9 | 88.7 | 91.2 | 91.7 | 89.3 | |||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 10.3 | 12.6 | 11.5 | 6.62 | 5.78 | |||||||||||||||||||||
| Other Income (As % Of Revenues) | % | 0.810 | -1.33 | -2.73 | 1.68 | 4.89 | |||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 50.5 | 55.5 | 54.9 | 54.2 | 47.6 | |||||||||||||||||||||
| Equity (As % Of Assets) | % | 13.0 | 13.7 | 13.7 | 13.8 | 13.6 | |||||||||||||||||||||
| Equity (As % Of Loans) | % | 13.4 | 14.0 | 14.1 | 14.1 | 14.1 | |||||||||||||||||||||
| Loans (As % Of Deposits) | % | 112 | 114 | 113 | 114 | 113 | |||||||||||||||||||||
| Loans (As % Assets) | % | 96.8 | 97.3 | 97.0 | 97.4 | 96.3 | |||||||||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 2.32 | 1.66 | 1.27 | 0.420 | 0.342 | ||||||||||||||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 43.1 | 45.1 | 43.0 | 91.8 | 117 | ||||||||||||||||||
| Provisions (As % Of Loans) | % | ... | ... | ... | 1.01 | 0.757 | 0.548 | 0.395 | 0.414 | ||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.019 | -0.008 | -0.048 | -0.082 | 0.110 |
| 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 |
| Branches | ... | 29.0 | 30.0 | 30.0 | 29.0 | 29.0 | |||||||||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
| ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Employees | ... | 545 | 548 | 526 | 497 | 419 | |||||||||||||||||||||
| Employees Per Bank Branch | ... | 18.8 | 18.3 | 17.5 | 17.1 | 14.4 | |||||||||||||||||||||
| Cost Per Employee | USD per month | ... | 3,272 | 3,525 | 3,946 | 3,990 | 4,203 | ||||||||||||||||||||
| Cost Per Employee (Local Currency) | CZK per month | ... | 82,569 | 82,725 | 86,343 | 89,944 | 92,482 | ||||||||||||||||||||
| Employee Turnover | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Workforce) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Women (As % of Management) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenues From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Profit From Abroad (As % Of Total) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Insurance Fee Income (As % of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| 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 |
| Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | 0.188 | 0.201 | 0.206 | 0.223 | 0.230 | |||||||||||||
| Number of Accounts | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Payment Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | 0.188 | 0.201 | 0.206 | 0.223 | ... | ... | ... | |||||||||||
| Number of Consumer Loans | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Average Size of Deposit | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | 1,352,000 | 1,393,000 | 1,451,000 | 1,414,230 | ... | ... | ... | |||||||||||
| Average Size of Consumer Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Accounts (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | 100 | 100 | 100 | 100 | ... | ... | ... | |||||||||||
| Consumer Loans (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Payments Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Debit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Credit Cards (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Market Value per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | 26,931 | 22,052 | 18,632 | 16,851 | 14,222 | |||||||||||||
| Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | 17,060 | 14,049 | 11,407 | 10,962 | 6,809 | |||||||||||||
| Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | 1,352,000 | 1,393,000 | 1,451,000 | 1,414,230 | 1,451,457 | |||||||||||||
| Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | 2,139 | 1,977 | 276 | 139 | 8.70 | |||||||||||||
| Market Value per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | 1,067 | 940 | 852 | 747 | 646 | |||||||||||||
| Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | 676 | 599 | 521 | 486 | 309 | |||||||||||||
| Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | 52,732 | 65,427 | 64,586 | 62,518 | 67,866 | |||||||||||||
| Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | 83.4 | 92.9 | 12.3 | 6.14 | 0.407 |
Get all company financials in excel:
By Helgi Library - September 30, 2023
Hypotecni Banka's mortgage loans reached CZK 385,733 mil in 2023-06-30, up 0.843% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,717 in 2023-06-30, up 2.00% when compared to the last year. Hypotecni Banka accounted fo...
By Helgi Library - August 28, 2023
Hypotecni Banka made a net profit of CZK 802 mil in the second quarter of 2023, up 114% when compared to the same period of last year. This implies a return on equity of 5.60%. Historically, the bank’s net profit reached an all time high of CZK 973 mil in 4Q2022 ...
By Helgi Library - August 28, 2023
Hypotecni Banka made a net profit of CZK 802 mil under revenues of CZK 1,069 mil in the second quarter of 2023, up 114% and 59.1% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 973 ...
By Helgi Library - September 30, 2023
Hypotecni Banka's customer loans reached CZK 385,733 mil in 2023-06-30, up 0.516% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. Hypotecni Banka accounted fo...
By Helgi Library - September 30, 2023
Hypotecni Banka's retail loans reached CZK 385,733 mil in the second quarter of 2023, up 0.843% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Hypotecni Banka ...
By Helgi Library - August 28, 2023
Hypotecni Banka's capital adequacy ratio reached 52.2% at the end of second quarter of 2023, up from 51.7% 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. ...
By Helgi Library - September 30, 2023
Hypotecni Banka's cost to income ratio reached 13.7% in the second quarter of 2023, down from 32.3% 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...
By Helgi Library - September 30, 2023
Hypotecni Banka generated total banking revenues of CZK 1,069 mil in 2023-06-30, up 0.231% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compared to the last ...
By Helgi Library - August 28, 2023
Hypotecni Banka's net interest margin amounted to 0.925% in the second quarter of 2023, down from 0.992% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 9.76% in 4Q2000 and an all time low of ...
By Helgi Library - September 30, 2023
Hypotecni Banka's retail deposits reached CZK 0 mil in 2023-03-31, down 0% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,447 bil in 2023-03-31, up 1.48% when compared to the last year. Hypotecni Banka accounted for ...
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.
Hypotecni Banka has been growing its revenues and asset by -2.53% and 6.83% a year on average in the last 10 years. Its loans and deposits have grown by 7.74% and -41.6% a year during that time and loans to deposits ratio reached 116% at the end of 2022. The company achieved an average return on equity of 6.95% in the last decade with net profit growing -1.18% a year on average. In terms of operating efficiency, its cost to income ratio reached 20.0% in 2022, compared to 23.7% average in the last decade.
Equity represented 14.7% of total assets or 15.0% of loans at the end of 2022. Hypotecni Banka's non-performing loans were 0.584% of total loans while provisions covered some 34.4% of NPLs at the end of 2022.
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