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 ...
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...
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...
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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. ...
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...
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....
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 ...
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...
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 ...
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 ...
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 ...
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...
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 ...
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 -2.53% 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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