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Hypotecni Banka

Hypotecni Banka - Market Share in Retail Deposits

By Helgi Analytics - November 19, 2022

Hypotecni Banka's retail deposits reached CZK 1.97 mil in 2022-06-30, down 0.315% compared to the previous year. Czech banking ...

Hypotecni's employees rose 0.198% yoy to 71.0 in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka employed 71.0 persons in 2022-09-30, down 2.74% when compared to the previous year. Historically, the bank's wor...

Hypotecni's net profit rose 59.2% yoy to CZK 737 mil in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka made a net profit of CZK 737 mil in the third quarter of 2022, up 59.2% when compared to the same period of last ...

Profit Statement 2019 2020 2021
Net Interest Income CZK mil 3,448 2,922 2,226
Net Fee Income CZK mil 249 189 84.2
Other Income CZK mil 63.0 160 -207
Total Revenues CZK mil 3,760 3,271 2,104
Staff Cost CZK mil 536 465 188
Operating Profit CZK mil 2,770 2,295 1,096
Provisions CZK mil -252 358 -546
Net Profit CZK mil 2,446 1,566 1,478
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 6,623 6,623 7,057
Customer Loans CZK mil 315,556 333,835 361,296
Investments CZK mil 0 0 ...
Total Assets CZK mil 324,053 346,505 368,462
Shareholders' Equity CZK mil 44,600 47,077 53,586
Interbank Borrowing CZK mil 9.00 141 112
Customer Deposits CZK mil 31.0 2.00 1.96
Issued Debt Securities CZK mil 277,396 295,325 311,156
Ratios 2019 2020 2021
ROE % 5.64 3.42 2.94
ROA % 0.773 0.467 0.413
Costs (As % Of Assets) % 0.313 0.291 0.282
Costs (As % Of Income) % 26.3 29.8 47.9
Capital Adequacy Ratio % 42.6 45.9 45.2
Net Interest Margin % 1.09 0.872 0.623
Loans (As % Of Deposits) % 114 113 116
NPLs (As % Of Loans) % 0.420 0.342 0.723
Provisions (As % Of NPLs) % 91.8 117 30.1
Growth Rates 2019 2020 2021
Total Revenue Growth % -2.21 -13.0 -35.7
Operating Cost Growth % -0.202 -1.41 3.26
Operating Profit Growth % -2.91 -17.1 -52.2
Net Profit Growth % 3.91 -36.0 -5.63
Customer Loan Growth % 5.38 5.79 8.23
Total Asset Growth % 4.95 6.93 6.34
Customer Deposit Growth % -45.6 -93.5 -1.80
Shareholders' Equity Growth % 5.68 5.55 13.8
Employees 497 419 73.0

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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
income statement                                                  
Net Interest Income CZK mil                                     4,427 4,497 3,939 3,507 3,448    
Total Revenues CZK mil                                     4,985 5,061 4,439 3,845 3,760    
Operating Profit CZK mil                                     4,111 3,992 3,458 2,853 2,770    
Net Profit CZK mil                                     2,990 3,206 2,828 2,354 2,446    
balance sheet                                                  
Interbank Loans CZK mil                                     6,622 6,622 6,621 6,622 6,623    
Customer Loans CZK mil                                     228,340 254,078 280,409 299,439 315,556    
Investments CZK mil                                     25.0 68.0 1,829 1,883 0   ...
Total Assets CZK mil                                     236,195 262,513 288,314 308,765 324,053    
                                                     
Shareholders' Equity CZK mil                                     33,647 34,172 39,391 42,203 44,600    
Interbank Borrowing CZK mil                                     220 2.00 2.00 2.00 9.00    
Customer Deposits CZK mil                                     452 402 398 57.0 31.0    
Issued Debt Securities CZK mil                                     200,797 226,579 247,011 264,165 277,396    
ratios                                                  
ROE % ...                                   9.31 9.45 7.69 5.77 5.64    
ROA % ...                                   1.30 1.29 1.03 0.789 0.773    
Costs (As % Of Assets) % ...                                   0.381 0.429 0.356 0.332 0.313    
Costs (As % Of Income) %                                     17.5 21.1 22.1 25.8 26.3    
Capital Adequacy Ratio % ...                                   36.6 33.5 37.3 36.5 42.6    
Net Interest Margin % ...                                   1.93 1.80 1.43 1.17 1.09    
Interest Income (As % Of Revenues) %                                     88.8 88.9 88.7 91.2 91.7    
Fee Income (As % Of Revenues) %                                     10.1 10.3 12.6 11.5 6.62    
Staff Cost (As % Of Total Cost) %                                     61.7 50.5 55.5 54.9 54.2    
Equity (As % Of Assets) %                                     14.2 13.0 13.7 13.7 13.8    
Loans (As % Of Deposits) %                                     114 112 114 113 114    
Loans (As % Assets) %                                     96.7 96.8 97.3 97.0 97.4    
NPLs (As % Of Loans) % ... ... ...                               3.12 2.32 1.66 1.27 0.420    
Provisions (As % Of NPLs) % ... ... ...                               43.4 43.1 45.1 43.0 91.8    
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
income statement                                                  
Interest Income CZK mil                                     7,565 7,140 6,811 7,201 8,142    
Interest Cost CZK mil                                     3,138 2,643 2,872 3,694 4,694    
Net Interest Income CZK mil                                     4,427 4,497 3,939 3,507 3,448    
Net Fee Income CZK mil                                     504 523 559 443 249    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 53.0    
Other Income CZK mil                                     54.0 41.0 -59.0 -105 63.0    
Total Revenues CZK mil                                     4,985 5,061 4,439 3,845 3,760    
Staff Cost CZK mil                                     539 540 544 545 536    
Depreciation CZK mil                                     49.0 85.0 64.0 77.0 131    
Other Cost CZK mil                                     286 444 373 370 323    
Operating Cost CZK mil                                     874 1,069 981 992 990    
Operating Profit CZK mil                                     4,111 3,992 3,458 2,853 2,770    
Provisions CZK mil                                     419 47.0 -21.0 -140 -252    
Extra and Other Cost CZK mil                                     0 0 0 0 0.201    
Pre-Tax Profit CZK mil                                     3,692 3,945 3,479 2,993 3,022    
Tax CZK mil                                     702 739 651 639 576    
Minorities CZK mil                                     0 0 0 0 0    
Net Profit CZK mil                                     2,990 3,206 2,828 2,354 2,446    
Net Profit Avail. to Common CZK mil                                     2,990 3,206 2,828 2,354 2,446    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ...                 2,990 1,800 2,828 3,554 2,446   ...
growth rates                                                  
Net Interest Income Growth % ...                                   -4.12 1.58 -12.4 -11.0 -1.68    
Net Fee Income Growth % ...                                   6.11 3.77 6.88 -20.8 -43.8    
Total Revenue Growth % ...                                   -3.62 1.52 -12.3 -13.4 -2.21    
Operating Cost Growth % ...                                   -6.52 22.3 -8.23 1.12 -0.202    
Operating Profit Growth % ...                                   -2.97 -2.89 -13.4 -17.5 -2.91    
Pre-Tax Profit Growth % ...                                   -2.79 6.85 -11.8 -14.0 0.969    
Net Profit Growth % ...                                   -2.86 7.22 -11.8 -16.8 3.91    
market share                                                  
Market Share in Revenues %                                     2.86 2.81 2.48 2.02 1.86    
Market Share in Net Profit % ... ... ... ...                             4.50 4.34 3.75 2.89 2.68    
Market Share in Employees % ...                                   1.26 1.33 1.31 1.26 1.19    
Market Share in Branches % ...                                   1.34 1.42 1.54 1.53 1.53   ...
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
balance sheet                                                  
Cash & Cash Equivalents CZK mil                                     688 1,150 725 1,619 632    
Interbank Loans CZK mil                                     6,622 6,622 6,621 6,622 6,623    
Customer Loans CZK mil                                     228,340 254,078 280,409 299,439 315,556    
Retail Loans CZK mil                                     228,340 254,078 280,409 299,439 315,556    
Mortgage Loans CZK mil                                     228,340 254,078 280,409 299,439 315,556    
Consumer Loans CZK mil                                     0 0 0 0 0    
Corporate Loans CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Investments CZK mil                                     25.0 68.0 1,829 1,883 0   ...
Property and Equipment CZK mil                                     228 296 369 458 393    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 468    
Total Assets CZK mil                                     236,195 262,513 288,314 308,765 324,053    
                                                     
Shareholders' Equity CZK mil                                     33,647 34,172 39,391 42,203 44,600    
Of Which Minority Interest CZK mil                                     0 0 0 0 0    
Liabilities CZK mil                                     202,548 228,341 248,923 266,562 279,453    
Interbank Borrowing CZK mil                                     220 2.00 2.00 2.00 9.00    
Customer Deposits CZK mil                                     452 402 398 57.0 31.0    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       302 283 298 0 0    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       150 119 100 57.0 0    
Issued Debt Securities CZK mil                                     200,797 226,579 247,011 264,165 277,396    
Other Liabilities CZK mil                                     1,079 1,358 1,512 2,338 2,017    
asset quality                                                  
Non-Performing Loans CZK mil ... ... ...                               7,201 5,945 4,700 3,815 1,357    
Gross Loans CZK mil ... ... ...                               231,075 256,639 282,531 301,081 323,124    
Risk-Weighted Assets CZK mil ... ... ...                               91,442 101,697 95,222 106,330 95,758    
Total Provisions CZK mil ... ... ...                               3,124 2,561 2,122 1,642 1,246    
growth rates                                                  
Customer Loan Growth % ...                                   8.02 11.3 10.4 6.79 5.38    
Retail Loan Growth % ...                                   8.02 11.3 10.4 6.79 5.38    
Mortgage Loan Growth % ...                                   8.02 11.3 10.4 6.79 5.38    
Total Asset Growth % ...                                   6.23 11.1 9.83 7.09 4.95    
Shareholders' Equity Growth % ...                                   9.89 1.56 15.3 7.14 5.68    
Customer Deposit Growth % ...                                   -15.5 -11.1 -0.995 -85.7 -45.6    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -4.73 -6.29 5.30 -100 ... ... ...
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     -31.2 -20.7 -16.0 -43.0 -100 ... ...
market share                                                  
Market Share in Customer Loans %                                     8.21 8.61 9.09 9.06 9.14    
Market Share in Corporate Loans % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Market Share in Retail Loans %                                     0 0 0 0 0    
Market Share in Consumer Loans %                                     17.3 17.9 18.3 18.2 18.1    
Market Share in Mortgage Loans %                                     23.5 24.1 24.4 24.0 23.7    
Market Share in Total Assets %                                     4.26 4.36 4.08 4.21 4.29    
Market Share in Customer Deposits %                                     0.013 0.011 0.010 0.001 < 0.001    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.015 0.013 0.013 0 0    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       0.016 0.013 0.010 0.005 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
                                                   
ROE % ...                                   9.31 9.45 7.69 5.77 5.64    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
ROE (@ 15% of RWA) % ... ... ... ...                             22.2 22.1 19.1 15.6 16.1    
ROA % ...                                   1.30 1.29 1.03 0.789 0.773    
Return on Loans % ...                                   1.36 1.33 1.06 0.812 0.795    
Operating Profit (As % of RWA) % ... ... ... ...                             4.59 4.13 3.51 2.83 2.74    
Costs (As % Of Assets) % ...                                   0.381 0.429 0.356 0.332 0.313    
Costs (As % Of Income) %                                     17.5 21.1 22.1 25.8 26.3    
Costs (As % Of Loans) % ...                                   0.398 0.443 0.367 0.342 0.322    
Costs (As % Of Loans & Deposits) % ...                                   0.397 0.442 0.367 0.342 0.322    
Capital Adequacy Ratio % ...                                   36.6 33.5 37.3 36.5 42.6    
Tier 1 Ratio % ...                                   36.1 32.9 37.3 36.5 42.6    
Net Interest Margin % ...                                   1.93 1.80 1.43 1.17 1.09    
Interest Spread % ...                                   1.71 1.64 1.27 0.979 0.854    
Asset Yield % ...                                   3.30 2.86 2.47 2.41 2.57    
Revenues (As % of RWA) % ... ... ... ...                             5.56 5.24 4.51 3.82 3.72    
Cost Of Liabilities % ...                                   1.59 1.23 1.20 1.43 1.72    
Payout Ratio % ... ... ... ... ... ... ... ... ... ...                 100 56.1 100 151 100   ...
Interest Income (As % Of Revenues) %                                     88.8 88.9 88.7 91.2 91.7    
Fee Income (As % Of Revenues) %                                     10.1 10.3 12.6 11.5 6.62    
Other Income (As % Of Revenues) %                                     1.08 0.810 -1.33 -2.73 1.68    
Staff Cost (As % Of Total Cost) %                                     61.7 50.5 55.5 54.9 54.2    
Equity (As % Of Assets) %                                     14.2 13.0 13.7 13.7 13.8    
Equity (As % Of Loans) %                                     14.7 13.4 14.0 14.1 14.1    
Loans (As % Of Deposits) %                                     114 112 114 113 114    
Loans (As % Assets) %                                     96.7 96.8 97.3 97.0 97.4    
NPLs (As % Of Loans) % ... ... ...                               3.12 2.32 1.66 1.27 0.420    
Provisions (As % Of NPLs) % ... ... ...                               43.4 43.1 45.1 43.0 91.8    
Provisions (As % Of Loans) % ... ... ...                               1.37 1.01 0.757 0.548 0.395    
Cost of Provisions (As % Of Loans) % ...                                   0.191 0.019 -0.008 -0.048 -0.082    
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
                                                   
Branches ...                                   29.0 29.0 30.0 30.0 29.0    
Employees ...                                   521 545 548 526 497    
Employees Per Bank Branch ...                                   18.0 18.8 18.3 17.5 17.1    
Cost Per Employee USD per month ...                                   3,612 3,272 3,525 3,947 3,990    
Cost Per Employee (Local Currency) CZK per month ...                                   86,212 82,569 82,725 86,344 89,944    
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
                                                   
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.178 0.188 0.201 0.206 0.223    
Number of Mortgages mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     0.178 0.188 0.201 0.206 0.223 ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,282,000 1,352,000 1,393,000 1,451,000 1,414,230 ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     100 100 100 100 100 ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     27,988 26,931 22,052 18,632 16,851    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     16,787 17,060 14,049 11,407 10,962    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,282,000 1,352,000 1,393,000 1,451,000 1,414,230    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     2,538 2,139 1,977 276 139    
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     1,173 1,067 940 852 747    
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     703 676 599 521 486    
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     51,644 52,732 65,427 64,587 62,518    
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...     102 83.4 92.9 12.3 6.14    

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Hypotecni's net profit rose 59.2% yoy to CZK 737 mil in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka made a net profit of CZK 737 mil under revenues of CZK 1,152 mil in the third quarter of 2022, up 59.2% and 151% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 928 m...

Hypotecni Banka - Market Share in Mortgage Loans

By Helgi Analytics - November 19, 2022

Hypotecni Banka's mortgage loans reached CZK 373,262 mil in 2022-06-30, up 1.33% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,638 bil in 2022-06-30, up 0.673% when compared to the last year. Hypotecni Banka accounte...

Hypotecni's npls (as % of loans) fell 12.9% yoy to 0.675% in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka's non-performing loans reached 0.675% of total loans at the end of 2022-09-30, down from 0.775% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.72% in 2000-06-30 and an all time low of 0.664% in 2022-06-30. ...

Hypotecni Banka - Market Share in Bank Deposits

By Helgi Analytics - November 19, 2022

Hypotecni Banka's customer deposits reached CZK 1.97 mil in 2022-06-30, down 0.315% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,340 bil in 2022-06-30, up 2.73% when compared to the last year. Hypotecni Banka acc...

Hypotecni Banka - Market Share in Bank Loans

By Helgi Analytics - November 19, 2022

Hypotecni Banka's customer loans reached CZK 373,274 mil in 2022-06-30, up 1.33% compared to the previous year. Czech banking sector provided customer loans of CZK 3,958 bil in 2022-06-30, up 0.834% when compared to the last year. Hypotecni Banka accounte...

Hypotecni's capital adequacy ratio fell 2.87% yoy to 46.0% in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka's capital adequacy ratio reached 46.0% at the end of third quarter of 2022, up from 45.3% 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 Banka - Market Share in Retail Loans

By Helgi Analytics - November 19, 2022

Hypotecni Banka's retail loans reached CZK 373,262 mil in the second quarter of 2022, up 1.33% compared to the previous year. Czech banking sector provided retail loans of CZK 2,100 bil in 2Q2022, up 0.711% when compared to the last year. Hypotecni Banka ...

Hypotecni's costs (as % of assets) fell 11.4% yoy to 0.163% in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka's cost to income ratio reached 13.6% in the third quarter of 2022, down from 22.1% 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 13.6% in 3Q2...

Hypotecni's net interest margin rose 95.1% yoy to 1.08% in 3Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka's net interest margin amounted to 1.08% in the third quarter of 2022, up from 1.02% 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 0....

Hypotecni's total revenues rose 13.9% yoy to CZK 672 mil in 2Q2022

By Helgi Analytics - November 19, 2022

Hypotecni Banka generated total banking revenues of CZK 672 mil in 2022-06-30, down 10.0% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% 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 -7.75% and 7.37% a year on average in the last 10 years. Its loans and deposits have grown by 8.30% and -44.4% a year during that time and loans to deposits ratio reached 116% at the end of 2021. The company achieved an average return on equity of 7.57% in the last decade with net profit growing -5.60% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.9% in 2021, compared to 24.2% average in the last decade.

Equity represented 14.5% of total assets or 14.8% of loans at the end of 2021. Hypotecni Banka's non-performing loans were 0.723% of total loans while provisions covered some 30.1% of NPLs at the end of 2021.