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Hypotecni Banka

Hypotecni Banka - Market Share in Bank Deposits

By Helgi Library - November 23, 2023

Hypotecni Banka's customer deposits reached CZK 5,233 mil in 2023-06-30, up 1.00% compared to the previous year. Czech banking ...

Hypotecni's employees fell 2.18% yoy to 69.5 in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka employed 69.5 persons in 2023-09-30, down 0% when compared to the previous year. Historically, the bank's workfo...

Hypotecni's mortgage loans rose 4.34% yoy to CZK 389,546 mil in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka's mortgage loans reached CZK 389,546 mil in 3Q2023, up 0.988% compared to the previous year. Czech banking sect...

Annual Quarterly LTM
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 2,922 2,226 3,873
Net Fee Income CZK mil 189 84.0 165
Other Income CZK mil 160 -210 -187
Total Revenues CZK mil 3,271 2,100 3,851
Staff Cost CZK mil 465 188 113
Operating Profit CZK mil 2,295 1,268 3,079
Provisions CZK mil 358 -549 12.0
Net Profit CZK mil 1,566 1,478 2,483
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 6,623 6,625 8,094
Customer Loans CZK mil 333,835 361,321 380,894
Investments CZK mil 0 0 0
Total Assets CZK mil 346,505 368,462 389,591
Shareholders' Equity CZK mil 47,077 53,585 57,078
Interbank Borrowing CZK mil 141 112 182
Customer Deposits CZK mil 2.00 2.00 2.00
Issued Debt Securities CZK mil 295,325 311,157 329,004
Ratios 2020 2021 2022
ROE % 3.42 2.94 4.49
ROA % 0.467 0.413 0.655
Costs (As % Of Assets) % 0.291 0.233 0.204
Costs (As % Of Income) % 29.8 39.6 20.0
Capital Adequacy Ratio % 45.9 45.2 49.9
Net Interest Margin % 0.872 0.623 1.02
Loans (As % Of Deposits) % 113 116 116
NPLs (As % Of Loans) % 0.342 0.723 0.584
Provisions (As % Of NPLs) % 117 30.1 34.4
Growth Rates 2020 2021 2022
Total Revenue Growth % -13.0 -35.8 83.4
Operating Cost Growth % -1.41 -14.8 -7.21
Operating Profit Growth % -17.1 -44.7 143
Net Profit Growth % -36.0 -5.62 68.0
Customer Loan Growth % 5.79 8.23 5.42
Total Asset Growth % 6.93 6.34 5.73
Customer Deposit Growth % -93.5 0 0
Shareholders' Equity Growth % 5.55 13.8 6.52
Employees 419 144 72.0

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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 2021 2022
income statement                                                    
Net Interest Income CZK mil                                       4,497 3,939 3,507 3,448 2,922    
Total Revenues CZK mil                                       5,061 4,439 3,845 3,760 3,271    
Operating Profit CZK mil                                       3,992 3,458 2,853 2,770 2,295    
Net Profit CZK mil                                       3,206 2,828 2,354 2,446 1,566    
balance sheet                                                    
Interbank Loans CZK mil                                       6,622 6,621 6,622 6,623 6,623    
Customer Loans CZK mil                                       254,078 280,409 299,439 315,556 333,835    
Investments CZK mil                                       68.0 1,829 1,883 0 0    
Total Assets CZK mil                                       262,513 288,314 308,765 324,053 346,505    
                                                       
Shareholders' Equity CZK mil                                       34,172 39,391 42,203 44,600 47,077    
Interbank Borrowing CZK mil                                       2.00 2.00 2.00 9.00 141    
Customer Deposits CZK mil                                       402 398 57.0 31.0 2.00    
Issued Debt Securities CZK mil                                       226,579 247,011 264,165 277,396 295,325    
ratios                                                    
ROE % ...                                     9.45 7.69 5.77 5.64 3.42    
ROA % ...                                     1.29 1.03 0.789 0.773 0.467    
Costs (As % Of Assets) % ...                                     0.429 0.356 0.332 0.313 0.291    
Costs (As % Of Income) %                                       21.1 22.1 25.8 26.3 29.8    
Capital Adequacy Ratio % ...                                     33.5 37.3 36.5 42.6 45.9    
Net Interest Margin % ...                                     1.80 1.43 1.17 1.09 0.872    
Interest Income (As % Of Revenues) %                                       88.9 88.7 91.2 91.7 89.3    
Fee Income (As % Of Revenues) %                                       10.3 12.6 11.5 6.62 5.78    
Staff Cost (As % Of Total Cost) %                                       50.5 55.5 54.9 54.2 47.6    
Equity (As % Of Assets) %                                       13.0 13.7 13.7 13.8 13.6    
Loans (As % Of Deposits) %                                       112 114 113 114 113    
Loans (As % Assets) %                                       96.8 97.3 97.0 97.4 96.3    
NPLs (As % Of Loans) % ... ... ...                                 2.32 1.66 1.27 0.420 0.342    
Provisions (As % Of NPLs) % ... ... ...                                 43.1 45.1 43.0 91.8 117    
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 2022
income statement                                                    
Interest Income CZK mil                                       7,140 6,811 7,201 8,142 7,355    
Interest Cost CZK mil                                       2,643 2,872 3,694 4,694 4,433    
Net Interest Income CZK mil                                       4,497 3,939 3,507 3,448 2,922    
Net Fee Income CZK mil                                       523 559 443 249 189    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 302 269    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 53.0 80.0    
Other Income CZK mil                                       41.0 -59.0 -105 63.0 160    
Total Revenues CZK mil                                       5,061 4,439 3,845 3,760 3,271    
Staff Cost CZK mil                                       540 544 545 536 465    
Depreciation CZK mil                                       85.0 64.0 77.0 131 132    
Other Cost CZK mil                                       444 373 370 323 379    
Operating Cost CZK mil                                       1,069 981 992 990 976    
Operating Profit CZK mil                                       3,992 3,458 2,853 2,770 2,295    
Provisions CZK mil                                       47.0 -21.0 -140 -252 358    
Extra and Other Cost CZK mil                                       0 0 0 0.201 0    
Pre-Tax Profit CZK mil                                       3,945 3,479 2,993 3,022 1,937    
Tax CZK mil                                       739 651 639 576 371    
Minorities CZK mil                                       0 0 0 0 0    
Net Profit CZK mil                                       3,206 2,828 2,354 2,446 1,566    
Net Profit Avail. to Common CZK mil                                       3,206 2,828 2,354 2,446 1,566    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ...                   1,800 2,828 3,554 2,446 1,568   ...
growth rates                                                    
Net Interest Income Growth % ...                                     1.58 -12.4 -11.0 -1.68 -15.3    
Net Fee Income Growth % ...                                     3.77 6.88 -20.8 -43.8 -24.1    
Total Revenue Growth % ...                                     1.52 -12.3 -13.4 -2.21 -13.0    
Operating Cost Growth % ...                                     22.3 -8.23 1.12 -0.202 -1.41    
Operating Profit Growth % ...                                     -2.89 -13.4 -17.5 -2.91 -17.1    
Pre-Tax Profit Growth % ...                                     6.85 -11.8 -14.0 0.969 -35.9    
Net Profit Growth % ...                                     7.22 -11.8 -16.8 3.91 -36.0    
market share                                                    
Market Share in Revenues %                                       2.81 2.48 2.02 1.86 1.81    
Market Share in Net Profit %                                       4.34 3.75 2.89 2.68 3.30    
Market Share in Employees % ...                                     1.33 1.31 1.26 1.19 1.03    
Market Share in Branches % ...                                     1.42 1.54 1.53 1.53 1.73    
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 2022
balance sheet                                                    
Cash & Cash Equivalents CZK mil                                       1,150 725 1,619 632 1,864    
Interbank Loans CZK mil                                       6,622 6,621 6,622 6,623 6,623    
Customer Loans CZK mil                                       254,078 280,409 299,439 315,556 333,835    
Retail Loans CZK mil                                       254,078 280,409 299,439 315,556 333,835    
Mortgage Loans CZK mil                                       254,078 280,409 299,439 315,556 333,835    
Consumer Loans CZK mil                                       0 0 0 0 0    
Investments CZK mil                                       68.0 1,829 1,883 0 0    
Property and Equipment CZK mil                                       296 369 458 393 304    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 468 536    
Total Assets CZK mil                                       262,513 288,314 308,765 324,053 346,505    
                                                       
Shareholders' Equity CZK mil                                       34,172 39,391 42,203 44,600 47,077    
Of Which Minority Interest CZK mil                                       0 0 0 0 0    
Liabilities CZK mil                                       228,341 248,923 266,562 279,453 299,428    
Interbank Borrowing CZK mil                                       2.00 2.00 2.00 9.00 141    
Customer Deposits CZK mil                                       402 398 57.0 31.0 2.00    
Retail Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         283 298 0 0 0    
Corporate Deposits CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         119 100 57.0 0 0    
Issued Debt Securities CZK mil                                       226,579 247,011 264,165 277,396 295,325    
Other Liabilities CZK mil                                       1,358 1,512 2,338 2,017 3,960    
asset quality                                                    
Non-Performing Loans CZK mil ... ... ...                                 5,945 4,700 3,815 1,357 1,182    
Gross Loans CZK mil ... ... ...                                 256,639 282,531 301,081 323,124 345,584    
Risk-Weighted Assets CZK mil ... ... ...                                 101,697 95,221 106,331 95,758 97,177    
Total Provisions CZK mil ... ... ...                                 2,561 2,122 1,642 1,246 1,383    
growth rates                                                    
Customer Loan Growth % ...                                     11.3 10.4 6.79 5.38 5.79    
Retail Loan Growth % ...                                     11.3 10.4 6.79 5.38 5.79    
Mortgage Loan Growth % ...                                     11.3 10.4 6.79 5.38 5.79    
Total Asset Growth % ...                                     11.1 9.83 7.09 4.95 6.93    
Shareholders' Equity Growth % ...                                     1.56 15.3 7.14 5.68 5.55    
Customer Deposit Growth % ...                                     -11.1 -0.995 -85.7 -45.6 -93.5    
Retail Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -6.29 5.30 -100 ... ... ... ...
Corporate Deposit Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...       -20.7 -16.0 -43.0 -100 ... ... ...
market share                                                    
Market Share in Customer Loans %                                       8.61 9.09 9.06 9.15 9.28    
Market Share in Retail Loans %                                       17.9 18.4 18.2 18.1 18.0    
Market Share in Consumer Loans %                                       0 0 0 0 0    
Market Share in Mortgage Loans %                                       24.1 24.4 24.0 23.7 23.3    
Market Share in Total Assets %                                       4.40 4.12 4.24 4.28 4.35    
Market Share in Customer Deposits %                                       0.011 0.010 0.001 < 0.001 < 0.001    
Market Share in Retail Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.013 0.013 0 0 0    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...         0.013 0.010 0.005 0 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 2022
                                                     
ROE % ...                                     9.45 7.69 5.77 5.64 3.42    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 3.45    
ROE (@ 15% of RWA) % ... ... ... ...                               22.1 19.1 15.6 16.1 10.8    
ROA % ...                                     1.29 1.03 0.789 0.773 0.467    
Return on Loans % ...                                     1.33 1.06 0.812 0.795 0.482    
Operating Profit (As % of RWA) % ... ... ... ...                               4.13 3.51 2.83 2.74 2.38    
Costs (As % Of Assets) % ...                                     0.429 0.356 0.332 0.313 0.291    
Costs (As % Of Income) %                                       21.1 22.1 25.8 26.3 29.8    
Costs (As % Of Loans) % ...                                     0.443 0.367 0.342 0.322 0.301    
Costs (As % Of Loans & Deposits) % ...                                     0.442 0.367 0.342 0.322 0.301    
Capital Adequacy Ratio % ...                                     33.5 37.3 36.5 42.6 45.9    
Tier 1 Ratio % ...                                     32.9 37.3 36.5 42.6 45.9    
Net Interest Margin % ...                                     1.80 1.43 1.17 1.09 0.872    
Interest Spread % ...                                     1.64 1.27 0.979 0.854 0.662    
Asset Yield % ...                                     2.86 2.47 2.41 2.57 2.19    
Revenues (As % of RWA) % ... ... ... ...                               5.24 4.51 3.82 3.72 3.39    
Cost Of Liabilities % ...                                     1.23 1.20 1.43 1.72 1.53    
Payout Ratio % ... ... ... ... ... ... ... ... ... ...                   56.1 100 151 100 100   ...
Interest Income (As % Of Revenues) %                                       88.9 88.7 91.2 91.7 89.3    
Fee Income (As % Of Revenues) %                                       10.3 12.6 11.5 6.62 5.78    
Other Income (As % Of Revenues) %                                       0.810 -1.33 -2.73 1.68 4.89    
Staff Cost (As % Of Total Cost) %                                       50.5 55.5 54.9 54.2 47.6    
Equity (As % Of Assets) %                                       13.0 13.7 13.7 13.8 13.6    
Equity (As % Of Loans) %                                       13.4 14.0 14.1 14.1 14.1    
Loans (As % Of Deposits) %                                       112 114 113 114 113    
Loans (As % Assets) %                                       96.8 97.3 97.0 97.4 96.3    
NPLs (As % Of Loans) % ... ... ...                                 2.32 1.66 1.27 0.420 0.342    
Provisions (As % Of NPLs) % ... ... ...                                 43.1 45.1 43.0 91.8 117    
Provisions (As % Of Loans) % ... ... ...                                 1.01 0.757 0.548 0.395 0.414    
Cost of Provisions (As % Of Loans) % ...                                     0.019 -0.008 -0.048 -0.082 0.110    
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 2022
                                                     
Branches ...                                     29.0 30.0 30.0 29.0 29.0    
Employees ...                                     545 548 526 497 419    
Employees Per Bank Branch ...                                     18.8 18.3 17.5 17.1 14.4    
Cost Per Employee USD per month ...                                     3,272 3,525 3,946 3,990 4,203    
Cost Per Employee (Local Currency) CZK per month ...                                     82,569 82,725 86,343 89,944 92,482    
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 2022
                                                     
Customers mil ... ... ... ... ... ... ... ...                       0.188 0.201 0.206 0.223 0.230    
Number of Mortgages mil ... ... ... ... ... ... ... ...                       0.188 0.201 0.206 0.223 ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ...                       1,352,000 1,393,000 1,451,000 1,414,230 ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ...                       100 100 100 100 ... ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                       26,931 22,052 18,632 16,851 14,222    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                       17,060 14,049 11,407 10,962 6,809    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                       1,352,000 1,393,000 1,451,000 1,414,230 1,451,457    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ...                       2,139 1,977 276 139 8.70    
Revenue per Customer USD ... ... ... ... ... ... ... ...                       1,067 940 852 747 646    
Net Profit per Customer USD ... ... ... ... ... ... ... ...                       676 599 521 486 309    
Loan per Customer USD ... ... ... ... ... ... ... ...                       52,732 65,427 64,586 62,518 67,866    
Deposit per Customer USD ... ... ... ... ... ... ... ...                       83.4 92.9 12.3 6.14 0.407    

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Hypotecni's npls (as % of loans) fell 14.0% yoy to 0.581% in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka's non-performing loans reached 0.581% of total loans at the end of 2023-09-30, down from 0.675% 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 0.572% in 2023-06-30. ...

Hypotecni Banka - Market Share in Bank Loans

By Helgi Library - September 30, 2023

Hypotecni Banka's customer loans reached CZK 385,733 mil in 2023-06-30, up 0.516% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. Hypotecni Banka accounted fo...

Hypotecni's capital adequacy ratio rose 13.4% yoy to 52.1% in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka's capital adequacy ratio reached 52.1% at the end of third quarter of 2023, down from 52.2% 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 Banka - Market Share in Retail Loans

By Helgi Library - September 30, 2023

Hypotecni Banka's retail loans reached CZK 385,733 mil in the second quarter of 2023, up 0.843% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Hypotecni Banka ...

Hypotecni's net profit fell 32.1% yoy to CZK 500 mil in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka made a net profit of CZK 500 mil in the third quarter of 2023, down 32.1% when compared to the same period of last year. This implies a return on equity of 3.50%. Historically, the bank’s net profit reached an all time high of CZK 973 mil in 4Q202...

Hypotecni's net profit fell 32.1% yoy to CZK 500 mil in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka made a net profit of CZK 500 mil under revenues of CZK 894 mil in the third quarter of 2023, down 32.1% and 22.4% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of CZK 973 ...

Hypotecni's net interest margin fell 24.5% yoy to 0.815% in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka's net interest margin amounted to 0.815% in the third quarter of 2023, down from 0.925% 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 total revenues rose 59.1% yoy to CZK 1,069 mil in 2Q2023

By Helgi Library - September 30, 2023

Hypotecni Banka generated total banking revenues of CZK 1,069 mil in 2023-06-30, up 0.231% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compared to the last ...

Hypotecni's costs (as % of assets) rose 97.0% yoy to 0.322% in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka's cost to income ratio reached 35.7% in the third quarter of 2023, up from 30.3% 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 7.70% in 4Q202...

Hypotecni's corporate loans remain unchanged yoy at CZK 1.00 mil in 3Q2023

By Helgi Library - November 23, 2023

Hypotecni Banka's loans reached in the first quarter of 1970, down from when compared to the previous quarter and down from when compared to the same period of last year. Historically, the bank’s loans reached an all time high of CZK mil in ...

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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 -2.53% and 6.83% a year on average in the last 10 years. Its loans and deposits have grown by 7.74% and -41.6% a year during that time and loans to deposits ratio reached 116% at the end of 2022. The company achieved an average return on equity of 6.95% in the last decade with net profit growing -1.18% a year on average. In terms of operating efficiency, its cost to income ratio reached 20.0% in 2022, compared to 23.7% average in the last decade.

Equity represented 14.7% of total assets or 15.0% of loans at the end of 2022. Hypotecni Banka's non-performing loans were 0.584% of total loans while provisions covered some 34.4% of NPLs at the end of 2022.

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