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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

4,533	4,580	4,617	4,427	4,497
4,975	5,069	5,172	4,985	5,061
4,186	4,209	4,237	4,111	3,992
2,796	2,858	3,078	2,990	3,206

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

20,239	17,531	10,536	6,622	6,622
180,678	196,097	211,380	228,340	254,078
0	0	17.0	25.0	68.0
201,176	213,948	222,353	236,195	262,513
27,857	27,918	30,619	33,647	34,172
68,931	64,464	38,793	220	2.00
435	515	535	452	402
103,242	120,344	151,372	200,797	226,579

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)	%

			10.7%	10.2%	10.5%	9.31%	9.45%
			1.46%	1.38%	1.41%	1.30%	1.29%
			0.413%	0.414%	0.429%	0.381%	0.429%
			15.8%	17.0%	18.1%	17.5%	21.1%
...			43.5%	33.8%	34.7%	36.6%	33.5%
			2.37%	2.21%	2.12%	1.93%	1.80%
			91.1%	90.4%	89.3%	88.8%	88.9%
			9.23%	9.55%	9.18%	10.1%	10.3%
			61.4%	55.8%	51.7%	61.7%	50.5%
			13.8%	13.0%	13.8%	14.2%	13.0%
			175%	163%	140%	114%	112%
			89.8%	91.7%	95.1%	96.7%	96.8%
...	...	...	3.90%	3.76%	5.24%	3.12%	2.32%
...	...	...	40.2%	42.7%	29.4%	43.4%	43.1%

Download Data

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

										9,224	8,449	8,166	7,565	7,140
										4,690	3,869	3,549	3,138	2,643
										4,533	4,580	4,617	4,427	4,497
										459	484	475	504	523
										-17.6	5.00	80.0	54.0	41.0
										4,975	5,069	5,172	4,985	5,061
										484	480	483	539	540
										76.0	88.0	111	49.0	85.0
										229	292	341	286	444
										788	860	935	874	1,069
										4,186	4,209	4,237	4,111	3,992
										737	672	439	419	47.0
										< 0.001	-1.00	0	0	0
										3,450	3,538	3,798	3,692	3,945
										654	680	720	702	739
										0	0	0	0	0
										2,796	2,858	3,078	2,990	3,206
...	...	...	...	...	...	...	...	...	...	2,796	2,858	3,078	2,990	1,800	...

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	%

...	4.62%	1.03%	0.808%	-4.12%	1.58%
...	0.918%	5.42%	-1.86%	6.11%	3.77%
...	5.59%	1.89%	2.03%	-3.62%	1.52%
...	8.00%	9.09%	8.72%	-6.52%	22.3%
...	5.15%	0.539%	0.665%	-2.97%	-2.89%
...	6.07%	2.55%	7.35%	-2.79%	6.85%
...	6.27%	2.24%	7.70%	-2.86%	7.22%

market share

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

											2.98%	3.01%	3.08%	2.86%	2.81%
...	...	...	...								4.35%	4.68%	4.88%	4.51%	4.36%
...											1.14%	1.20%	1.21%	1.26%	1.33%
...				...	...	...	...	...	...	...	0.809%	0.718%	1.26%	1.34%	1.42%

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

															20,945	33.0	29.0	688	1,150
															20,239	17,531	10,536	6,622	6,622
															180,678	196,097	211,380	228,340	254,078
															180,678	196,097	211,380	228,340	254,078
															180,678	196,097	211,380	228,340	254,078
															0	0	0	0	0
															0	0	0	0	0
															0	0	17.0	25.0	68.0
															128	122	125	228	296
															201,176	213,948	222,353	236,195	262,513
															27,857	27,918	30,619	33,647	34,172
															0	0	0	0	0
															173,319	186,030	191,734	202,548	228,341
															68,931	64,464	38,793	220	2.00
															435	515	535	452	402
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	341	315	317	302	283
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	94.0	200	218	150	119
															103,242	120,344	151,372	200,797	226,579
															710	707	1,034	1,079	1,358

asset quality

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

...	...	...	7,160	7,501	11,229	7,201	5,945
...	...	...	183,558	199,297	214,309	231,075	256,639
...	...	...	2,880	3,200	3,302	3,124	2,561

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	%

...															11.0%	8.53%	7.79%	8.02%	11.3%
...															11.0%	8.53%	7.79%	8.02%	11.3%
...															11.0%	8.53%	7.79%	8.02%	11.3%
...															11.1%	6.35%	3.93%	6.23%	11.1%
...															13.9%	0.219%	9.67%	9.89%	1.56%
...															-37.5%	18.3%	3.88%	-15.5%	-11.1%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	-7.62%	0.635%	-4.73%	-6.29%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	113%	9.00%	-31.2%	-20.7%

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	%

															7.66%	7.80%	8.02%	8.21%	8.61%
															0%	0%	0%	0%	0%
															0%	0%	0%	0%	0%
															15.9%	16.6%	17.2%	17.3%	17.9%
															22.3%	23.0%	23.5%	23.5%	24.1%
															4.34%	4.11%	4.13%	4.26%	4.36%
															0.014%	0.015%	0.016%	0.013%	0.011%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.019%	0.017%	0.016%	0.015%	0.013%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.013%	0.026%	0.026%	0.016%	0.013%

Download Data

ratios

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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)	%

															10.7%	10.2%	10.5%	9.31%	9.45%
															1.46%	1.38%	1.41%	1.30%	1.29%
															0.413%	0.414%	0.429%	0.381%	0.429%
															15.8%	17.0%	18.1%	17.5%	21.1%
...															43.5%	33.8%	34.7%	36.6%	33.5%
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	43.5%	33.8%	34.2%	36.1%	32.9%
															2.37%	2.21%	2.12%	1.93%	1.80%
...															1.98%	1.92%	1.86%	1.71%	1.64%
															4.83%	4.07%	3.74%	3.30%	2.86%
...															2.84%	2.15%	1.88%	1.59%	1.23%
...	...	...	...	...	...	...	...	...	...						100%	100%	100%	100%	56.1%	...
															91.1%	90.4%	89.3%	88.8%	88.9%
															9.23%	9.55%	9.18%	10.1%	10.3%
															-0.353%	0.099%	1.55%	1.08%	0.810%
...															4,491	4,233	3,851	3,612	3,272
...															87,849	82,816	82,311	86,212	82,569
															61.4%	55.8%	51.7%	61.7%	50.5%
															13.8%	13.0%	13.8%	14.2%	13.0%
															175%	163%	140%	114%	112%
															89.8%	91.7%	95.1%	96.7%	96.8%
...	...	...													3.90%	3.76%	5.24%	3.12%	2.32%
...	...	...													40.2%	42.7%	29.4%	43.4%	43.1%
...	...	...													1.59%	1.63%	1.56%	1.37%	1.01%
															0.429%	0.357%	0.215%	0.191%	0.019%

Download Data

other data

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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	29.0
...														459	483	489	521	545
...	...													22,832	42,953	43,055	52,423	65,461	...	...
...	...	...	...	...	...	...								37,427	25,544	24,372	28,022	32,442	...	...
...	...	...	...	...	...	...								610	1,682	1,767	1,871	2,018	...	...

Download Data

Hypotecni Banka in Quarterly Numbers

October 9, 2019

This Quarterly statistical dossier offers a summary of Hypotecni Banka's performance between Mar 00 and Jun 19 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 Jun 19 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

October 9, 2019

This Annual statistical dossier offers a summary of Hypotecni Banka's performance between 1997 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

This Annual statistical dossier offers a summary of Hypotecni Banka's performance between 1997 and 2018 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.

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.

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 Were the Largest Lenders in 2017?

October 17, 2019

Based on a comparison of 29 banks in the Czech Republic in 2017, CSOB was the largest lender, followed by Ceska Sporitelna and Komercni Banka.

CSOB loans reached CZK 674,729 mil, up 25.6% compared to the previous year. Historically,

Based on a comparison of 29 banks in the Czech Republic in 2017, CSOB was the largest lender, followed by Ceska Sporitelna and Komercni Banka.

CSOB loans reached CZK 674,729 mil, up 25.6% compared to the previous year. Historically, the bank’s loans reached an all time high of CZK 674,729 mil in 2017 and an all time low of CZK 80,915 mil in 1995.

Comparing CSOB with its closest peers, Ceska Sporitelna customer loans amounted to CZK 638,694 mil, Komercni Banka operated with CZK 598,102 mil loans and UniCredit Czech Republic had a loan portfolio of CZK 386,672 mil.

Czech banking sector provided total customer loans of CZK 3,085 bil in 2017, up 4.58% when compared to the last year. As a result, the top ranked company - CSOB accounted for 21.9% of the sector’s loans in 2017. The top 3 companies held a 62.0% share while the five largest firms some 83.6% in 2017.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Had the Most Branches in 2018?

October 17, 2019

Based on a comparison of 22 banks in the Czech Republic in 2018, Ceska Sporitelna had the most branches, followed by Komercni Banka and Ceskomoravska Stavebni Sporitelna.

Ceska Sporitelna operated a network of 501 branches at the end of 2018.

Based on a comparison of 22 banks in the Czech Republic in 2018, Ceska Sporitelna had the most branches, followed by Komercni Banka and Ceskomoravska Stavebni Sporitelna.

Ceska Sporitelna operated a network of 501 branches at the end of 2018. That's compared to 646 branches some 10 years ago.

Comparing Ceska Sporitelna with its closest peers, Komercni Banka operated a network of 379 branches in 2018, Ceskomoravska Stavebni Sporitelna had 297 branches and CSOB had a network of 235 branches in 2018.

You can see all the banks branches data on the Branches indicator page or you can download a report on the Czech banks in the report section.

What Banks in Czechia Were the Best Capitalised in 2018?

October 17, 2019

Based on a comparison of 22 banks in the Czech Republic in 2018, Hypotecni Banka was the best capitalised bank, followed by Expobank Czech Republic and Modra Pyramida Stavebni Sporitelna.

Hypotecni Banka's capital adequacy ratio reached 36.5%,

Based on a comparison of 22 banks in the Czech Republic in 2018, Hypotecni Banka was the best capitalised bank, followed by Expobank Czech Republic and Modra Pyramida Stavebni Sporitelna.

Hypotecni Banka's capital adequacy ratio reached 36.5%, down from 37.3% when compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 49.0% in 2008 and an all time low of 8.16% in 2002.

Comparing Hypotecni Banka with its closest peers, Expobank Czech Republic ended the year 2018 with a capital adequacy ratio at 23.9%, Modra Pyramida Stavebni Sporitelna with 20.5% and UniCredit Czech Republic some 19.9% at the end of 2018.

The average capital adequacy reached 19.6% in the Czech banking sector in 2018.

You can see all the banks capital adequacy ratio data on the Capital Adequacy Ratio 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 2018?

October 17, 2019

Based on a comparison of 28 banks in the Czech Republic in 2018, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Fio banka.

Hypotecni Banka's cost to income ratio reached 25.8% in 2018, down from 22.1%

Based on a comparison of 28 banks in the Czech Republic in 2018, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Fio banka.

Hypotecni Banka's cost to income ratio reached 25.8% in 2018, down from 22.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2018, down from 0.356% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2018 with a cost to income ratio of 26.2%, Fio banka reached 31.8% and Profi Credit Czech some 32.8%.

The average cost to income ratio reached 44.6% in the Czech banking sector in 2018.

You can see all the banks cost efficiency data on the 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 fell 3.57% to 1.06% in 2Q2019

Hypotecni's mortgage loans rose 1.92% to CZK 307,193 mil in 2Q2019

Hypotecni's npls (as % of loans) fell 7.04% to 1.11% in 2Q2019

Hypotecni's customer deposits rose 90.7% to CZK 56.1 mil in 2Q2019

Hypotecni's customer loans rose 1.95% to CZK 305,860 mil in 2Q2019

Hypotecni's retail loans rose 1.92% to CZK 307,193 mil in 2Q2019

Hypotecni's net profit rose 13.7% to CZK 601 mil in 2Q2019

Hypotecni's total revenues fell 3.65% to CZK 930 mil in 2Q2019

Hypotecni's employees fell 2.57% to 493 in 2Q2019

Hypotecni's capital adequacy ratio rose 8.12% to 42.2% in 2Q2019

Hypotecni's costs (as % of assets) fell 34.1% to 0.281% in 2Q2019