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Hypotecni Banka

Hypotecni's employees fell 37.3% yoy to 306 in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka employed 306 persons in 2020-09-30, down 34.1% when compared to the previous year. Historically, the bank's work...

Hypotecni's net interest margin fell 24.5% yoy to 0.780% in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's net interest margin amounted to 0.780% in the third quarter of 2020, down from 0.902% when compared to the pre...

Hypotecni's corporate loans remain unchanged yoy at CZK mil in 2Q2019

By Helgi Analytics - October 9, 2019

Hypotecni Banka's loans reached CZK 301,567 mil in the first quarter of 2019, up from CZK 301,081 mil when compared to the p...

Annual Quarterly
Profit Statement 2017 2018 2019
Net Interest Income CZK mil 3,939 3,507 3,347
Fee Income (As % Of Revenues) % 12.6 11.5 9.31
Other Income CZK mil -59.0 -105 62.9
Total Revenues CZK mil 4,439 3,845 3,760
Staff Cost CZK mil 544 545 536
Operating Profit CZK mil 3,458 2,853 2,770
Provisions CZK mil -21.0 -140 -252
Net Profit CZK mil 2,828 2,354 2,446
Balance Sheet 2017 2018 2019
Interbank Loans CZK mil 6,621 6,622 632
Customer Loans CZK mil 280,409 299,439 322,834
Debt Securities CZK mil 1,829 1,883 0
Total Assets CZK mil 288,314 308,765 324,053
Shareholders' Equity CZK mil 39,391 42,203 44,601
Interbank Borrowing CZK mil 2.00 2.00 0
Customer Deposits CZK mil 398 57.0 40.0
Issued Debt Securities CZK mil 247,011 264,165 277,396
Ratios 2017 2018 2019
ROE % 7.69 5.77 5.64
ROA % 1.03 0.789 0.773
Costs (As % Of Assets) % 0.356 0.332 0.313
Costs (As % Of Income) % 22.1 25.8 26.3
Capital Adequacy Ratio % 37.3 36.5 42.6
Net Interest Margin % 1.43 1.17 1.06
Loans (As % Of Deposits) % 114 113 116
NPLs (As % Of Loans) % 1.66 1.27 0.996
Provisions (As % Of NPLs) % 45.1 43.0 38.7
Growth Rates 2017 2018 2019
Total Revenue Growth % -12.3 -13.4 -2.22
Operating Cost Growth % -8.23 1.12 -0.182
Operating Profit Growth % -13.4 -17.5 -2.93
Net Profit Growth % -11.8 -16.8 3.92
Customer Loan Growth % 10.4 6.79 7.81
Total Asset Growth % 9.83 7.09 4.95
Customer Deposit Growth % -0.995 -85.7 -29.8
Shareholders' Equity Growth % 15.3 7.14 5.68
Employees 548 526 495

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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
income statement                                              
Net Interest Income CZK mil                                 4,580 4,617 4,427 4,497 3,939    
Total Revenues CZK mil                                 5,069 5,172 4,985 5,061 4,439    
Operating Profit CZK mil                                 4,209 4,237 4,111 3,992 3,458    
Net Profit CZK mil                                 2,858 3,078 2,990 3,206 2,828    
balance sheet                                              
Interbank Loans CZK mil                                 17,531 10,536 6,622 6,622 6,621    
Customer Loans CZK mil                                 196,097 211,380 228,340 254,078 280,409    
Debt Securities CZK mil                                 0 17.0 25.0 68.0 1,829    
Total Assets CZK mil                                 213,948 222,353 236,195 262,513 288,314    
                                                 
Shareholders' Equity CZK mil                                 27,918 30,619 33,647 34,172 39,391    
Interbank Borrowing CZK mil                                 64,464 38,793 220 2.00 2.00    
Customer Deposits CZK mil                                 515 535 452 402 398    
Issued Debt Securities CZK mil                                 120,344 151,372 200,797 226,579 247,011    
ratios                                              
ROE %                                 10.2 10.5 9.31 9.45 7.69    
ROA %                                 1.38 1.41 1.30 1.29 1.03    
Costs (As % Of Assets) %                                 0.414 0.429 0.381 0.429 0.356    
Costs (As % Of Income) %                                 17.0 18.1 17.5 21.1 22.1    
Capital Adequacy Ratio % ...                               33.8 34.7 36.6 33.5 37.3    
Net Interest Margin %                                 2.21 2.12 1.93 1.80 1.43    
Interest Income (As % Of Revenues) %                                 90.4 89.3 88.8 88.9 88.7    
Fee Income (As % Of Revenues) %                                 9.55 9.18 10.1 10.3 12.6    
Staff Cost (As % Of Total Cost) %                                 55.8 51.7 61.7 50.5 55.5    
Equity (As % Of Assets) %                                 13.0 13.8 14.2 13.0 13.7    
Loans (As % Of Deposits) %                                 163 140 114 112 114    
Loans (As % Assets) %                                 91.7 95.1 96.7 96.8 97.3    
NPLs (As % Of Loans) % ... ... ...                           3.76 5.24 3.12 2.32 1.66    
Provisions (As % Of NPLs) % ... ... ...                           42.7 29.4 43.4 43.1 45.1    
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
income statement                                              
Interest Income CZK mil                                 8,449 8,166 7,565 7,140 6,811    
Interest Cost CZK mil                                 3,869 3,549 3,138 2,643 2,872    
Net Interest Income CZK mil                                 4,580 4,617 4,427 4,497 3,939    
Net Fee Income CZK mil                                 484 475 504 523 559    
Other Income CZK mil                                 5.00 80.0 54.0 41.0 -59.0    
Total Revenues CZK mil                                 5,069 5,172 4,985 5,061 4,439    
Staff Cost CZK mil                                 480 483 539 540 544    
Depreciation CZK mil                                 88.0 111 49.0 85.0 64.0    
Other Cost CZK mil                                 292 341 286 444 373    
Operating Cost CZK mil                                 860 935 874 1,069 981    
Operating Profit CZK mil                                 4,209 4,237 4,111 3,992 3,458    
Provisions CZK mil                                 672 439 419 47.0 -21.0    
Extra and Other Cost CZK mil                                 -1.00 0 0 0 0    
Pre-Tax Profit CZK mil                                 3,538 3,798 3,692 3,945 3,479    
Tax CZK mil                                 680 720 702 739 651    
Minorities CZK mil                                 0 0 0 0 0    
Net Profit CZK mil                                 2,858 3,078 2,990 3,206 2,828    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ...             2,858 3,078 2,990 1,800 2,828 ... ...
growth rates                                              
Net Interest Income Growth % ...                               1.03 0.808 -4.12 1.58 -12.4    
Net Fee Income Growth % ...                               5.42 -1.86 6.11 3.77 6.88    
Total Revenue Growth % ...                               1.89 2.03 -3.62 1.52 -12.3    
Operating Cost Growth % ...                               9.09 8.72 -6.52 22.3 -8.23    
Operating Profit Growth % ...                               0.539 0.665 -2.97 -2.89 -13.4    
Pre-Tax Profit Growth % ...                               2.55 7.35 -2.79 6.85 -11.8    
Net Profit Growth % ...                               2.24 7.70 -2.86 7.22 -11.8    
market share                                              
Market Share in Revenues %                                 3.01 3.08 2.86 2.81 2.48   ...
Market Share in Net Profit % ... ... ... ...                         4.68 4.88 4.51 4.36 3.75   ...
Market Share in Employees % ...                               1.20 1.21 1.26 1.33 1.31   ...
Market Share in Branches % ...               ... ... ... ... ... ... ...   0.718 1.26 1.34 1.42 1.54   ...
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
balance sheet                                              
Cash CZK mil                                 33.0 29.0 688 1,150 725    
Interbank Loans CZK mil                                 17,531 10,536 6,622 6,622 6,621    
Customer Loans CZK mil                                 196,097 211,380 228,340 254,078 280,409    
Retail Loans CZK mil                                 196,097 211,380 228,340 254,078 280,409    
Mortgage Loans CZK mil                                 196,097 211,380 228,340 254,078 280,409    
Consumer Loans CZK mil                                 0 0 0 0 0    
Corporate Loans CZK mil                                 0 0 0 0 0    
Debt Securities CZK mil                                 0 17.0 25.0 68.0 1,829    
Fixed Assets CZK mil                                 122 125 228 296 369    
Total Assets CZK mil                                 213,948 222,353 236,195 262,513 288,314    
                                                 
Shareholders' Equity CZK mil                                 27,918 30,619 33,647 34,172 39,391    
Of Which Minority Interest CZK mil                                 0 0 0 0 0    
Liabilities CZK mil                                 186,030 191,734 202,548 228,341 248,923    
Interbank Borrowing CZK mil                                 64,464 38,793 220 2.00 2.00    
Customer Deposits CZK mil                                 515 535 452 402 398    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   315 317 302 283 298    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   200 218 150 119 100    
Issued Debt Securities CZK mil                                 120,344 151,372 200,797 226,579 247,011    
Other Liabilities CZK mil                                 707 1,034 1,079 1,358 1,512    
asset quality                                              
Non-Performing Loans CZK mil ... ... ...                           7,501 11,229 7,201 5,945 4,700    
Gross Loans CZK mil ... ... ...                           199,297 214,309 231,075 256,639 282,531    
Total Provisions CZK mil ... ... ...                           3,200 3,302 3,124 2,561 2,122    
growth rates                                              
Customer Loan Growth % ...                               8.53 7.79 8.02 11.3 10.4    
Retail Loan Growth % ...                               8.53 7.79 8.02 11.3 10.4    
Mortgage Loan Growth % ...                               8.53 7.79 8.02 11.3 10.4    
Total Asset Growth % ...                               6.35 3.93 6.23 11.1 9.83    
Shareholders' Equity Growth % ...                               0.219 9.67 9.89 1.56 15.3    
Customer Deposit Growth % ...                               18.3 3.88 -15.5 -11.1 -0.995    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -7.62 0.635 -4.73 -6.29 5.30   ...
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 113 9.00 -31.2 -20.7 -16.0    
market share                                              
Market Share in Customer Loans %                                 7.80 8.02 8.21 8.61 9.09    
Market Share in Corporate Loans %                                 0 0 0 0 0    
Market Share in Retail Loans %                                 0 0 0 0 0    
Market Share in Consumer Loans %                                 16.6 17.2 17.3 17.9 18.3    
Market Share in Mortgage Loans %                                 23.0 23.5 23.5 24.1 24.4    
Market Share in Total Assets %                                 4.11 4.13 4.26 4.36 4.08    
Market Share in Customer Deposits %                                 0.015 0.016 0.013 0.011 0.010    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0.017 0.016 0.015 0.013 0.013    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   0.026 0.026 0.016 0.013 0.010    
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
ratios                                              
ROE %                                 10.2 10.5 9.31 9.45 7.69    
ROA %                                 1.38 1.41 1.30 1.29 1.03    
Costs (As % Of Assets) %                                 0.414 0.429 0.381 0.429 0.356    
Costs (As % Of Income) %                                 17.0 18.1 17.5 21.1 22.1    
Capital Adequacy Ratio % ...                               33.8 34.7 36.6 33.5 37.3    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   33.8 34.2 36.1 32.9 37.3    
Net Interest Margin %                                 2.21 2.12 1.93 1.80 1.43    
Interest Spread % ...                               1.92 1.86 1.71 1.64 1.27    
Asset Yield %                                 4.07 3.74 3.30 2.86 2.47    
Cost Of Liabilities % ...                               2.15 1.88 1.59 1.23 1.20    
Payout Ratio % ... ... ... ... ... ... ... ... ... ...             100 100 100 56.1 100 ... ...
Interest Income (As % Of Revenues) %                                 90.4 89.3 88.8 88.9 88.7    
Fee Income (As % Of Revenues) %                                 9.55 9.18 10.1 10.3 12.6    
Other Income (As % Of Revenues) %                                 0.099 1.55 1.08 0.810 -1.33    
Cost Per Employee USD per month ...                               4,233 3,851 3,612 3,272 3,525    
Cost Per Employee (Local Currency) CZK per month ...                               82,816 82,311 86,212 82,569 82,725    
Staff Cost (As % Of Total Cost) %                                 55.8 51.7 61.7 50.5 55.5    
Equity (As % Of Assets) %                                 13.0 13.8 14.2 13.0 13.7    
Loans (As % Of Deposits) %                                 163 140 114 112 114    
Loans (As % Assets) %                                 91.7 95.1 96.7 96.8 97.3    
NPLs (As % Of Loans) % ... ... ...                           3.76 5.24 3.12 2.32 1.66    
Provisions (As % Of NPLs) % ... ... ...                           42.7 29.4 43.4 43.1 45.1    
Provisions (As % Of Loans) % ... ... ...                           1.63 1.56 1.37 1.01 0.757    
Cost of Provisions (As % Of Loans) %                                 0.357 0.215 0.191 0.019 -0.008    
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
                                               
Branches ...               ... ... ... ... ... ... ...   16.0 28.0 29.0 29.0 30.0    
Employees ...                               483 489 521 545 548    
Volume Of New Mortgages Sold CZK mil ... ...                             42,953 43,055 52,423 65,461 ... ... ...
Number Of New Mortgages Provided ... ... ... ... ... ... ...                   25,544 24,372 28,022 32,442 ... ... ...
Average Size Of A New Mortgage CZK '000 ... ... ... ... ... ... ...                   1,682 1,767 1,871 2,018 ... ... ...

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Hypotecni's mortgage loans rose 5.78% yoy to CZK 335,460 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's mortgage loans reached CZK 335,460 mil in 2020-09-30, up 1.86% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,403 bil in 2020-09-30, up 2.12% when compared to the last year. Hypotecni Banka accounted...

Hypotecni's npls (as % of loans) fell 8.28% yoy to 0.956% in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's non-performing loans reached 0.956% of total loans at the end of 2020-09-30, down from 1.04% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.92% in 2000-03-31 and an all time low of 0.908% in 2008-06-30. ...

Hypotecni's customer deposits rose 31.6% yoy to CZK 138 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's customer deposits reached CZK 138 mil in 2020-09-30, up 94.4% compared to the previous year. Czech banking sector accepted customer deposits of CZK 5,550 bil in 2020-09-30, up 2.53% when compared to the last year. Hypotecni Banka account...

Hypotecni's customer loans rose 5.58% yoy to CZK 337,230 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's customer loans reached CZK 337,230 mil in 2020-09-30, up 1.80% compared to the previous year. Czech banking sector provided customer loans of CZK 3,619 bil in 2020-09-30, up 1.08% when compared to the last year. Hypotecni Banka accounted...

Hypotecni's capital adequacy ratio rose 8.18% yoy to 45.7% in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's capital adequacy ratio reached 45.7% at the end of third quarter of 2020, down from 46.4% 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....

Hypotecni's retail loans rose 5.78% yoy to CZK 335,460 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's retail loans reached CZK 335,460 mil in the third quarter of 2020, up 1.86% compared to the previous year. Czech banking sector provided retail loans of CZK 1,825 bil in 3Q2020, up 1.91% when compared to the last year. Hypotecni Banka ac...

Hypotecni's costs (as % of assets) fell 11.6% yoy to 0.241% in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka's cost to income ratio reached 29.4% in the third quarter of 2020, down from 30.2% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 34.3% of income in 1Q2019 and an all time low of 16.9% in 3Q2...

Hypotecni's net profit fell 58.9% yoy to CZK 247 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka made a net profit of CZK 247 mil in the third quarter of 2020, down 58.9% when compared to the same period of last year. This implies a return on equity of 2.13%. Historically, the bank’s net profit reached an all time high of CZK 928 mil in 1Q201...

Hypotecni's net profit fell 58.9% yoy to CZK 247 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka made a net profit of CZK 247 mil under revenues of CZK 700 mil in the third quarter of 2020, down 58.9% and 25% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 928 mi...

Hypotecni's total revenues fell 25.0% yoy to CZK 700 mil in 3Q2020

By Helgi Analytics - February 9, 2021

Hypotecni Banka generated total banking revenues of CZK 700 mil in 2020-09-30, down 1.91% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 41,746 mil in 2020-09-30, down 13.4% 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 2.12% and 6.99% a year on average in the last 10 years. Its loans and deposits have grown by 8.97% and -22.2% a year during that time and loans to deposits ratio reached 116% at the end of 2019. The company achieved an average return on equity of 8.97% in the last decade with net profit growing 5.82% a year on average. In terms of operating efficiency, its cost to income ratio reached 26.3% in 2019, compared to 19.6% average in the last decade.

Equity represented 13.8% of total assets or 13.8% of loans at the end of 2019. Hypotecni Banka's non-performing loans were 0.996% of total loans while provisions covered some 38.7% of NPLs at the end of 2019.

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