By Helgi Analytics - March 20, 2022
Hypotecni Banka employed 70.9 persons in 2021-09-30, down 37.4% when compared to the previous year. Historically, the bank's wor...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's retail deposits reached CZK 2.13 mil in 2021-09-30, down 0% compared to the previous year. Czech banking sect...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's non-performing loans reached 0.829% of total loans at the end of 2021-06-30, down from 0.990% compared to the p...
Profit Statement | 2018 | 2019 | 2020 | |
Net Interest Income | CZK mil | 3,507 | 3,448 | 2,922 |
Net Fee Income | CZK mil | 443 | 249 | 189 |
Other Income | CZK mil | -105 | 63.0 | 160 |
Total Revenues | CZK mil | 3,845 | 3,760 | 3,271 |
Staff Cost | CZK mil | 545 | 536 | 465 |
Operating Profit | CZK mil | 2,853 | 2,770 | 2,295 |
Provisions | CZK mil | -140 | -252 | 358 |
Net Profit | CZK mil | 2,354 | 2,446 | 1,566 |
Balance Sheet | 2018 | 2019 | 2020 | |
Interbank Loans | CZK mil | 6,622 | 6,623 | 6,623 |
Customer Loans | CZK mil | 299,439 | 315,556 | 333,835 |
Investments | CZK mil | 1,883 | 0 | 0 |
Total Assets | CZK mil | 308,765 | 324,053 | 346,505 |
Shareholders' Equity | CZK mil | 42,203 | 44,600 | 47,077 |
Interbank Borrowing | CZK mil | 2.00 | 9.00 | 141 |
Customer Deposits | CZK mil | 57.0 | 31.0 | 2.00 |
Issued Debt Securities | CZK mil | 264,165 | 277,396 | 295,325 |
Ratios | 2018 | 2019 | 2020 | |
ROE | % | 5.77 | 5.64 | 3.42 |
ROA | % | 0.789 | 0.773 | 0.467 |
Costs (As % Of Assets) | % | 0.332 | 0.313 | 0.291 |
Costs (As % Of Income) | % | 25.8 | 26.3 | 29.8 |
Capital Adequacy Ratio | % | 36.5 | 42.6 | 45.9 |
Net Interest Margin | % | 1.17 | 1.09 | 0.872 |
Loans (As % Of Deposits) | % | 113 | 114 | 113 |
NPLs (As % Of Loans) | % | 1.27 | 0.420 | 0.342 |
Provisions (As % Of NPLs) | % | 43.0 | 91.8 | 117 |
Growth Rates | 2018 | 2019 | 2020 | |
Total Revenue Growth | % | -13.4 | -2.21 | -13.0 |
Operating Cost Growth | % | 1.12 | -0.202 | -1.41 |
Operating Profit Growth | % | -17.5 | -2.91 | -17.1 |
Net Profit Growth | % | -16.8 | 3.91 | -36.0 |
Customer Loan Growth | % | 6.79 | 5.38 | 5.79 |
Total Asset Growth | % | 7.09 | 4.95 | 6.93 |
Customer Deposit Growth | % | -85.7 | -45.6 | -93.5 |
Shareholders' Equity Growth | % | 7.14 | 5.68 | 5.55 |
Employees | 526 | 497 | 419 |
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 |
income statement | |||||||||||||||||||||||||
Net Interest Income | CZK mil | 4,617 | 4,427 | 4,497 | 3,939 | 3,507 | |||||||||||||||||||
Total Revenues | CZK mil | 5,172 | 4,985 | 5,061 | 4,439 | 3,845 | |||||||||||||||||||
Operating Profit | CZK mil | 4,237 | 4,111 | 3,992 | 3,458 | 2,853 | |||||||||||||||||||
Net Profit | CZK mil | 3,078 | 2,990 | 3,206 | 2,828 | 2,354 | |||||||||||||||||||
balance sheet | |||||||||||||||||||||||||
Interbank Loans | CZK mil | 10,536 | 6,622 | 6,622 | 6,621 | 6,622 | |||||||||||||||||||
Customer Loans | CZK mil | 211,380 | 228,340 | 254,078 | 280,409 | 299,439 | |||||||||||||||||||
Investments | CZK mil | 17.0 | 25.0 | 68.0 | 1,829 | 1,883 | |||||||||||||||||||
Total Assets | CZK mil | 222,353 | 236,195 | 262,513 | 288,314 | 308,765 | |||||||||||||||||||
Shareholders' Equity | CZK mil | 30,619 | 33,647 | 34,172 | 39,391 | 42,203 | |||||||||||||||||||
Interbank Borrowing | CZK mil | 38,793 | 220 | 2.00 | 2.00 | 2.00 | |||||||||||||||||||
Customer Deposits | CZK mil | 535 | 452 | 402 | 398 | 57.0 | |||||||||||||||||||
Issued Debt Securities | CZK mil | 151,372 | 200,797 | 226,579 | 247,011 | 264,165 | |||||||||||||||||||
ratios | |||||||||||||||||||||||||
ROE | % | ... | 10.5 | 9.31 | 9.45 | 7.69 | 5.77 | ||||||||||||||||||
ROA | % | ... | 1.41 | 1.30 | 1.29 | 1.03 | 0.789 | ||||||||||||||||||
Costs (As % Of Assets) | % | ... | 0.429 | 0.381 | 0.429 | 0.356 | 0.332 | ||||||||||||||||||
Costs (As % Of Income) | % | 18.1 | 17.5 | 21.1 | 22.1 | 25.8 | |||||||||||||||||||
Capital Adequacy Ratio | % | ... | 34.7 | 36.6 | 33.5 | 37.3 | 36.5 | ||||||||||||||||||
Net Interest Margin | % | ... | 2.12 | 1.93 | 1.80 | 1.43 | 1.17 | ||||||||||||||||||
Interest Income (As % Of Revenues) | % | 89.3 | 88.8 | 88.9 | 88.7 | 91.2 | |||||||||||||||||||
Fee Income (As % Of Revenues) | % | 9.18 | 10.1 | 10.3 | 12.6 | 11.5 | |||||||||||||||||||
Staff Cost (As % Of Total Cost) | % | 51.7 | 61.7 | 50.5 | 55.5 | 54.9 | |||||||||||||||||||
Equity (As % Of Assets) | % | 13.8 | 14.2 | 13.0 | 13.7 | 13.7 | |||||||||||||||||||
Loans (As % Of Deposits) | % | 140 | 114 | 112 | 114 | 113 | |||||||||||||||||||
Loans (As % Assets) | % | 95.1 | 96.7 | 96.8 | 97.3 | 97.0 | |||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | 5.24 | 3.12 | 2.32 | 1.66 | 1.27 | ||||||||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | 29.4 | 43.4 | 43.1 | 45.1 | 43.0 |
income statement | Unit | 1997 | 1998 | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
income statement | |||||||||||||||||||||||||
Interest Income | CZK mil | 8,166 | 7,565 | 7,140 | 6,811 | 7,201 | |||||||||||||||||||
Interest Cost | CZK mil | 3,549 | 3,138 | 2,643 | 2,872 | 3,694 | |||||||||||||||||||
Net Interest Income | CZK mil | 4,617 | 4,427 | 4,497 | 3,939 | 3,507 | |||||||||||||||||||
Net Fee Income | CZK mil | 475 | 504 | 523 | 559 | 443 | |||||||||||||||||||
Fee Income | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Fee Expense | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Other Income | CZK mil | 80.0 | 54.0 | 41.0 | -59.0 | -105 | |||||||||||||||||||
Total Revenues | CZK mil | 5,172 | 4,985 | 5,061 | 4,439 | 3,845 | |||||||||||||||||||
Staff Cost | CZK mil | 483 | 539 | 540 | 544 | 545 | |||||||||||||||||||
Depreciation | CZK mil | 111 | 49.0 | 85.0 | 64.0 | 77.0 | |||||||||||||||||||
Other Cost | CZK mil | 341 | 286 | 444 | 373 | 370 | |||||||||||||||||||
Operating Cost | CZK mil | 935 | 874 | 1,069 | 981 | 992 | |||||||||||||||||||
Operating Profit | CZK mil | 4,237 | 4,111 | 3,992 | 3,458 | 2,853 | |||||||||||||||||||
Provisions | CZK mil | 439 | 419 | 47.0 | -21.0 | -140 | |||||||||||||||||||
Extra and Other Cost | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Pre-Tax Profit | CZK mil | 3,798 | 3,692 | 3,945 | 3,479 | 2,993 | |||||||||||||||||||
Tax | CZK mil | 720 | 702 | 739 | 651 | 639 | |||||||||||||||||||
Minorities | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Net Profit | CZK mil | 3,078 | 2,990 | 3,206 | 2,828 | 2,354 | |||||||||||||||||||
Net Profit Avail. to Common | CZK mil | 3,078 | 2,990 | 3,206 | 2,828 | 2,354 | |||||||||||||||||||
Dividends | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,078 | 2,990 | 1,800 | 2,828 | 3,554 | |||||||||
growth rates | |||||||||||||||||||||||||
Net Interest Income Growth | % | ... | 0.808 | -4.12 | 1.58 | -12.4 | -11.0 | ||||||||||||||||||
Net Fee Income Growth | % | ... | -1.86 | 6.11 | 3.77 | 6.88 | -20.8 | ||||||||||||||||||
Total Revenue Growth | % | ... | 2.03 | -3.62 | 1.52 | -12.3 | -13.4 | ||||||||||||||||||
Operating Cost Growth | % | ... | 8.72 | -6.52 | 22.3 | -8.23 | 1.12 | ||||||||||||||||||
Operating Profit Growth | % | ... | 0.665 | -2.97 | -2.89 | -13.4 | -17.5 | ||||||||||||||||||
Pre-Tax Profit Growth | % | ... | 7.35 | -2.79 | 6.85 | -11.8 | -14.0 | ||||||||||||||||||
Net Profit Growth | % | ... | 7.70 | -2.86 | 7.22 | -11.8 | -16.8 | ||||||||||||||||||
market share | |||||||||||||||||||||||||
Market Share in Revenues | % | 3.08 | 2.86 | 2.81 | 2.48 | 2.02 | |||||||||||||||||||
Market Share in Net Profit | % | ... | ... | ... | ... | 4.88 | 4.50 | 4.34 | 3.75 | 2.89 | |||||||||||||||
Market Share in Employees | % | ... | 1.21 | 1.26 | 1.33 | 1.31 | 1.26 | ||||||||||||||||||
Market Share in Branches | % | ... | 1.26 | 1.34 | 1.42 | 1.54 | 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 |
balance sheet | |||||||||||||||||||||||||
Cash & Cash Equivalents | CZK mil | 29.0 | 688 | 1,150 | 725 | 1,619 | |||||||||||||||||||
Interbank Loans | CZK mil | 10,536 | 6,622 | 6,622 | 6,621 | 6,622 | |||||||||||||||||||
Customer Loans | CZK mil | 211,380 | 228,340 | 254,078 | 280,409 | 299,439 | |||||||||||||||||||
Retail Loans | CZK mil | 211,380 | 228,340 | 254,078 | 280,409 | 299,439 | |||||||||||||||||||
Mortgage Loans | CZK mil | 211,380 | 228,340 | 254,078 | 280,409 | 299,439 | |||||||||||||||||||
Consumer Loans | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Investments | CZK mil | 17.0 | 25.0 | 68.0 | 1,829 | 1,883 | |||||||||||||||||||
Property and Equipment | CZK mil | 125 | 228 | 296 | 369 | 458 | |||||||||||||||||||
Intangible Assets | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
Total Assets | CZK mil | 222,353 | 236,195 | 262,513 | 288,314 | 308,765 | |||||||||||||||||||
Shareholders' Equity | CZK mil | 30,619 | 33,647 | 34,172 | 39,391 | 42,203 | |||||||||||||||||||
Of Which Minority Interest | CZK mil | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Liabilities | CZK mil | 191,734 | 202,548 | 228,341 | 248,923 | 266,562 | |||||||||||||||||||
Interbank Borrowing | CZK mil | 38,793 | 220 | 2.00 | 2.00 | 2.00 | |||||||||||||||||||
Customer Deposits | CZK mil | 535 | 452 | 402 | 398 | 57.0 | |||||||||||||||||||
Retail Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 317 | 302 | 283 | 298 | 0 | ||||
Corporate Deposits | CZK mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 218 | 150 | 119 | 100 | 57.0 | ||||
Issued Debt Securities | CZK mil | 151,372 | 200,797 | 226,579 | 247,011 | 264,165 | |||||||||||||||||||
Other Liabilities | CZK mil | 1,034 | 1,079 | 1,358 | 1,512 | 2,338 | |||||||||||||||||||
asset quality | |||||||||||||||||||||||||
Non-Performing Loans | CZK mil | ... | ... | ... | 11,229 | 7,201 | 5,945 | 4,700 | 3,815 | ||||||||||||||||
Gross Loans | CZK mil | ... | ... | ... | 214,309 | 231,075 | 256,639 | 282,531 | 301,081 | ||||||||||||||||
Risk-Weighted Assets | CZK mil | ... | ... | ... | 87,842 | 91,442 | 101,697 | 95,222 | 106,330 | ||||||||||||||||
Total Provisions | CZK mil | ... | ... | ... | 3,302 | 3,124 | 2,561 | 2,122 | 1,642 | ||||||||||||||||
growth rates | |||||||||||||||||||||||||
Customer Loan Growth | % | ... | 7.79 | 8.02 | 11.3 | 10.4 | 6.79 | ||||||||||||||||||
Retail Loan Growth | % | ... | 7.79 | 8.02 | 11.3 | 10.4 | 6.79 | ||||||||||||||||||
Mortgage Loan Growth | % | ... | 7.79 | 8.02 | 11.3 | 10.4 | 6.79 | ||||||||||||||||||
Total Asset Growth | % | ... | 3.93 | 6.23 | 11.1 | 9.83 | 7.09 | ||||||||||||||||||
Shareholders' Equity Growth | % | ... | 9.67 | 9.89 | 1.56 | 15.3 | 7.14 | ||||||||||||||||||
Customer Deposit Growth | % | ... | 3.88 | -15.5 | -11.1 | -0.995 | -85.7 | ||||||||||||||||||
Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.635 | -4.73 | -6.29 | 5.30 | -100 | ... | ... | |
Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.00 | -31.2 | -20.7 | -16.0 | -43.0 | ... | ||
market share | |||||||||||||||||||||||||
Market Share in Customer Loans | % | 8.02 | 8.21 | 8.61 | 9.09 | 9.06 | |||||||||||||||||||
Market Share in Retail Loans | % | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||||
Market Share in Consumer Loans | % | 17.2 | 17.3 | 17.9 | 18.3 | 18.2 | |||||||||||||||||||
Market Share in Mortgage Loans | % | 23.5 | 23.5 | 24.1 | 24.4 | 24.0 | |||||||||||||||||||
Market Share in Total Assets | % | 4.13 | 4.26 | 4.36 | 4.08 | 4.21 | |||||||||||||||||||
Market Share in Customer Deposits | % | 0.016 | 0.013 | 0.011 | 0.010 | 0.001 | |||||||||||||||||||
Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.016 | 0.015 | 0.013 | 0.013 | 0 | ||||
Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.026 | 0.016 | 0.013 | 0.010 | 0.005 |
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 |
ROE | % | ... | 10.5 | 9.31 | 9.45 | 7.69 | 5.77 | ||||||||||||||||||
ROTE | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
ROE (@ 15% of RWA) | % | ... | ... | ... | ... | 24.3 | 22.2 | 22.1 | 19.1 | 15.6 | |||||||||||||||
ROA | % | ... | 1.41 | 1.30 | 1.29 | 1.03 | 0.789 | ||||||||||||||||||
Return on Loans | % | ... | 1.51 | 1.36 | 1.33 | 1.06 | 0.812 | ||||||||||||||||||
Operating Profit (As % of RWA) | % | ... | ... | ... | ... | 5.02 | 4.59 | 4.13 | 3.51 | 2.83 | |||||||||||||||
Costs (As % Of Assets) | % | ... | 0.429 | 0.381 | 0.429 | 0.356 | 0.332 | ||||||||||||||||||
Costs (As % Of Income) | % | 18.1 | 17.5 | 21.1 | 22.1 | 25.8 | |||||||||||||||||||
Costs (As % Of Loans) | % | ... | 0.459 | 0.398 | 0.443 | 0.367 | 0.342 | ||||||||||||||||||
Costs (As % Of Loans & Deposits) | % | ... | 0.458 | 0.397 | 0.442 | 0.367 | 0.342 | ||||||||||||||||||
Capital Adequacy Ratio | % | ... | 34.7 | 36.6 | 33.5 | 37.3 | 36.5 | ||||||||||||||||||
Tier 1 Ratio | % | ... | 34.2 | 36.1 | 32.9 | 37.3 | 36.5 | ||||||||||||||||||
Net Interest Margin | % | ... | 2.12 | 1.93 | 1.80 | 1.43 | 1.17 | ||||||||||||||||||
Interest Spread | % | ... | 1.86 | 1.71 | 1.64 | 1.27 | 0.979 | ||||||||||||||||||
Asset Yield | % | ... | 3.74 | 3.30 | 2.86 | 2.47 | 2.41 | ||||||||||||||||||
Revenues (As % of RWA) | % | ... | ... | ... | ... | 6.13 | 5.56 | 5.24 | 4.51 | 3.82 | |||||||||||||||
Cost Of Liabilities | % | ... | 1.88 | 1.59 | 1.23 | 1.20 | 1.43 | ||||||||||||||||||
Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 100 | 100 | 56.1 | 100 | 151 | |||||||||
Interest Income (As % Of Revenues) | % | 89.3 | 88.8 | 88.9 | 88.7 | 91.2 | |||||||||||||||||||
Fee Income (As % Of Revenues) | % | 9.18 | 10.1 | 10.3 | 12.6 | 11.5 | |||||||||||||||||||
Other Income (As % Of Revenues) | % | 1.55 | 1.08 | 0.810 | -1.33 | -2.73 | |||||||||||||||||||
Staff Cost (As % Of Total Cost) | % | 51.7 | 61.7 | 50.5 | 55.5 | 54.9 | |||||||||||||||||||
Equity (As % Of Assets) | % | 13.8 | 14.2 | 13.0 | 13.7 | 13.7 | |||||||||||||||||||
Equity (As % Of Loans) | % | 14.5 | 14.7 | 13.4 | 14.0 | 14.1 | |||||||||||||||||||
Loans (As % Of Deposits) | % | 140 | 114 | 112 | 114 | 113 | |||||||||||||||||||
Loans (As % Assets) | % | 95.1 | 96.7 | 96.8 | 97.3 | 97.0 | |||||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | 5.24 | 3.12 | 2.32 | 1.66 | 1.27 | ||||||||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | 29.4 | 43.4 | 43.1 | 45.1 | 43.0 | ||||||||||||||||
Provisions (As % Of Loans) | % | ... | ... | ... | 1.56 | 1.37 | 1.01 | 0.757 | 0.548 | ||||||||||||||||
Cost of Provisions (As % Of Loans) | % | ... | 0.215 | 0.191 | 0.019 | -0.008 | -0.048 |
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 |
Branches | ... | 28.0 | 29.0 | 29.0 | 30.0 | 30.0 | |||||||||||||||||||
Employees | ... | 489 | 521 | 545 | 548 | 526 | |||||||||||||||||||
Employees Per Bank Branch | ... | 17.5 | 18.0 | 18.8 | 18.3 | 17.5 | |||||||||||||||||||
Cost Per Employee | USD per month | ... | 3,851 | 3,612 | 3,272 | 3,525 | 3,947 | ||||||||||||||||||
Cost Per Employee (Local Currency) | CZK per month | ... | 82,311 | 86,212 | 82,569 | 82,725 | 86,344 |
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 |
Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.167 | 0.178 | 0.188 | 0.201 | 0.206 | |||
Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.167 | 0.178 | 0.188 | 0.201 | 0.206 | ... | ||
Average Size of Mortgage Loan | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,266,000 | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | ... | ||
Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 100 | 100 | 100 | 100 | 100 | ... | ||
Revenue per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 30,976 | 27,988 | 26,931 | 22,052 | 18,632 | |||
Net Profit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 18,435 | 16,787 | 17,060 | 14,049 | 11,407 | |||
Loan per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,266,000 | 1,282,000 | 1,352,000 | 1,393,000 | 1,451,000 | |||
Deposit per Customer (Local Currency) | CZK | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,204 | 2,538 | 2,139 | 1,977 | 276 | |||
Revenue per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,449 | 1,173 | 1,067 | 940 | 852 | |||
Net Profit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 863 | 703 | 676 | 599 | 521 | |||
Loan per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 55,249 | 51,644 | 52,732 | 65,427 | 64,587 | |||
Deposit per Customer | USD | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 140 | 102 | 83.4 | 92.9 | 12.3 |
Get all company financials in excel:
By Helgi Analytics - March 20, 2022
Hypotecni Banka's mortgage loans reached CZK 351,120 mil in 2021-09-30, up 1.56% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,551 bil in 2021-09-30, up 3.03% when compared to the last year. Hypotecni Banka accounted...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's customer loans reached CZK 351,188 mil in 2021-09-30, up 1.58% compared to the previous year. Czech banking sector provided customer loans of CZK 3,777 bil in 2021-09-30, up 2.04% when compared to the last year. Hypotecni Banka accounted...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's customer deposits reached CZK 2.13 mil in 2021-09-30, down 97.6% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,949 bil in 2021-09-30, up 1.60% when compared to the last year. Hypotecni Banka acco...
By Helgi Analytics - March 20, 2022
Hypotecni Banka generated total banking revenues of CZK 459 mil in 2021-09-30, down 22.2% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 45,285 mil in 2021-09-30, down 2.23% when compared to the last...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's net interest margin amounted to 0.554% in the third quarter of 2021, down from 0.561% 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 Analytics - March 20, 2022
Hypotecni Banka's retail loans reached CZK 351,120 mil in the third quarter of 2021, up 1.56% compared to the previous year. Czech banking sector provided retail loans of CZK 1,991 bil in 3Q2021, up 2.84% when compared to the last year. Hypotecni Banka ac...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's capital adequacy ratio reached 52.5% at the end of third quarter of 2021, up from 49.4% 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 - March 20, 2022
Hypotecni Banka made a net profit of CZK 463 mil in the third quarter of 2021, up 87.4% when compared to the same period of last year. This implies a return on equity of 3.60%. Historically, the bank’s net profit reached an all time high of CZK 928 mil in 1Q2014 ...
By Helgi Analytics - March 20, 2022
Hypotecni Banka made a net profit of CZK 463 mil under revenues of CZK 459 mil in the third quarter of 2021, up 87.4% and down 34.5% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...
By Helgi Analytics - March 20, 2022
Hypotecni Banka's cost to income ratio reached 35.9% in the third quarter of 2021, up from 28.3% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 62.8% of income in 1Q2021 and an all time low of 16.9% in 3Q201...
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 -2.13% and 7.82% a year on average in the last 10 years. Its loans and deposits have grown by 8.69% and -41.9% a year during that time and loans to deposits ratio reached 113% at the end of 2020. The company achieved an average return on equity of 8.43% in the last decade with net profit growing -1.64% a year on average. In terms of operating efficiency, its cost to income ratio reached 29.8% in 2020, compared to 20.9% average in the last decade.
Equity represented 13.6% of total assets or 14.1% of loans at the end of 2020. Hypotecni Banka's non-performing loans were 0.342% of total loans while provisions covered some 117% of NPLs at the end of 2020.