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Hypotecni Banka

Hypotecni's employees fell 84.3% yoy to 70.9 in 3Q2021

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...

Hypotecni's retail deposits remain unchanged yoy at CZK 2.13 mil in 3Q2021

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...

Hypotecni's npls (as % of loans) fell 16.2% yoy to 0.829% in 2Q2021

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...

Annual Quarterly
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

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summary Unit 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
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    

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Hypotecni's mortgage loans rose 4.67% yoy to CZK 351,120 mil in 3Q2021

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...

Hypotecni's customer loans rose 4.14% yoy to CZK 351,188 mil in 3Q2021

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...

Hypotecni's customer deposits fell 98.5% yoy to CZK 2.13 mil in 3Q2021

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...

Hypotecni's total revenues fell 34.5% yoy to CZK 459 mil in 3Q2021

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...

Hypotecni's net interest margin fell 29.0% yoy to 0.554% in 3Q2021

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 ...

Hypotecni's retail loans rose 4.67% yoy to CZK 351,120 mil in 3Q2021

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...

Hypotecni's capital adequacy ratio rose 14.9% yoy to 52.5% in 3Q2021

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. ...

Hypotecni's net profit rose 87.4% yoy to CZK 463 mil in 3Q2021

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 ...

Hypotecni's net profit rose 87.4% yoy to CZK 463 mil in 3Q2021

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 ...

Hypotecni's costs (as % of assets) fell 23.7% yoy to 0.184% in 3Q2021

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...

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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 -2.13% 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.

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