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 ...
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...
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 | |
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 |
| 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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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...
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...
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. ...
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...
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...
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. ...
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 ...
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...
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....
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...
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 -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.
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