We use cookies to personalise the web experience for you. By using www.helgilibrary.com, you agree to our use of cookies.
Some cookies are also used by Google Analytics, which anonymously tracks visitors and helps us to analyse how users use our website. Read more

Wustenrot Hypotecni banka

Banking > Czech Republic > Wustenrot Hypotecni banka
Change Company
Wustenrot Hypotecni banka

Wüstenrot Hypoteční banka is a Czech Republic-based mortgage bank. Although Wüstenrot has been growing more than twice as fast as the overall market over the last five years, its late arrival in the mortgage business a decade ago means the bank still occupies only 2.5% of the Czech mortgage lending market. Partly because of its small size and its conservative approach, the bank is relatively little profitable with ROE

Read more »
Wüstenrot Hypoteční banka is a Czech Republic-based mortgage bank. Although Wüstenrot has been growing more than twice as fast as the overall market over the last five years, its late arrival in the mortgage business a decade ago means the bank still occupies only 2.5% of the Czech mortgage lending market. Partly because of its small size and its conservative approach, the bank is relatively little profitable with ROE in single-digit territory in the last five years. Size matters and the lack of economies of scale is also reflected in Wüstenrot’s low cost efficiency. In 2012, the bank’s operating costs accounted for over 50% of bank revenues, three times as much as the other pure mortgage bank on the Czech market - Hypoteční Banka

Buy all financials of Wustenrot Hypotecni banka

from $199 /month

Buy annual subscriptions for all our products.

AnnualQuarterly
summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

...               271 292 344 449 508    
...               280 324 410 528 572    
...               144 155 215 314 348    
...               38.5 62.5 136 219 247    

balance sheet

                152 11.6 715 61.0 51.0    
                16,421 18,583 21,745 23,055 25,319    
                761 1,007 1,777 1,641 1,284    
                19,416 20,149 24,970 25,060 27,869    
                1,031 1,274 1,431 1,636 1,896    
                1,571 9.53 11.0 311 1,903    
                7,412 11,214 15,300 15,407 15,121    
                9,188 7,408 8,046 7,656 8,832    

ratios

...               4.42% 5.42% 10.1% 14.3% 14.0%    
...               0.245% 0.316% 0.603% 0.875% 0.933%    
...               0.866% 0.853% 0.864% 0.855% 0.846%    
...               48.6% 52.0% 47.6% 40.5% 39.2%    
...               10.9% 12.6% 11.1% 12.7% 13.1%    
...               1.73% 1.48% 1.52% 1.79% 1.92%    
...               96.8% 90.0% 83.9% 85.0% 88.8%    
...               8.59% 15.6% 14.4% 10.6% 9.62%    
...               45.0% 41.0% 37.4% 36.0% 41.5%    
                5.31% 6.32% 5.73% 6.53% 6.80%    
... ... ... ... ...       222% 166% 142% 150% 167%    
                84.6% 92.2% 87.1% 92.0% 90.9%    
... ... ...           3.15% 3.81% 4.32% 4.62% 3.50%    
... ... ...           33.0% 35.2% 30.4% 30.3% 39.4%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income CZK mil
Interest Cost CZK mil
Net Interest Income CZK mil
Net Fee Income CZK mil
Other Income CZK mil
Total Revenues CZK mil
Staff Cost CZK mil
Depreciation CZK mil
Other Cost CZK mil
Operating Cost CZK mil
Operating Profit CZK mil
Provisions CZK mil
Extra and Other Cost CZK mil
Pre-Tax Profit CZK mil
Tax CZK mil
Minorities CZK mil
Net Profit CZK mil
Dividends CZK mil
...               810 922 934 908 841    
...               539 630 590 459 333    
...               271 292 344 449 508    
...               24.0 50.7 59.0 56.0 55.0    
...               -15.0 -18.4 7.00 23.0 9.00    
...               280 324 410 528 572    
...               61.2 69.2 73.0 77.0 93.0    
...               14.6 19.2 21.0 14.0 15.0    
...               60.1 80.3 101 123 116    
...               136 169 195 214 224    
...               144 155 215 314 348    
...               94.9 79.3 39.0 44.0 40.0    
...               -0.094 0.015 0.000 0.000 0.000    
...               49.2 76.2 176 270 308    
...               10.7 13.7 40.0 51.0 61.0    
...               0.000 0.000 0.000 0.000 0.000    
...               38.5 62.5 136 219 247    
...               0.000 0.000 0.000 0.000 0.000   ...

growth rates

... ...             7.06% 7.81% 17.8% 30.5% 13.1%    
... ...             29.9% 111% 16.4% -5.08% -1.79%    
... ...             18.7% 15.9% 26.5% 28.8% 8.33%    
... ...             37.8% 24.2% 15.6% 9.74% 4.67%    
... ...             5.01% 8.01% 38.3% 46.0% 10.8%    
... ...             -45.6% 55.0% 131% 53.4% 14.1%    
... ...             -48.7% 62.4% 118% 61.0% 12.8%    

market share

...               0.173% 0.194% 0.244% 0.314% 0.328%    
... ... ... ...         0.072% 0.097% 0.223% 0.347% 0.372%    
...               0.101% 0.105% 0.098% 0.087% 0.080%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                1,911 435 697 260 1,163    
                152 11.6 715 61.0 51.0    
                16,421 18,583 21,745 23,055 25,319    
                15,967 17,613 19,635 20,916 25,319    
                15,967 17,613 19,635 20,916 25,319    
                0.000 0.000 0.000 0.000 0.000    
                0.000 0.000 0.000 0.000 0.000    
                761 1,007 1,777 1,641 1,284    
                18.1 16.2 29.0 34.0 37.0    
                19,416 20,149 24,970 25,060 27,869    
                1,031 1,274 1,431 1,636 1,896    
                0.000 0.000 0.000 0.000 0.000    
                18,385 18,875 23,539 23,424 25,973    
                1,571 9.53 11.0 311 1,903    
                7,412 11,214 15,300 15,407 15,121    
... ... ... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... ... ... ...  
                9,188 7,408 8,046 7,656 8,832    
                213 243 182 50.0 117    

asset quality

... ... ...           523 718 953 1,081 898    
                16,594 18,835 22,035 23,383 25,673    
... ... ...           173 252 290 328 354    

growth rates

...               45.8% 13.2% 17.0% 6.02% 9.82%    
... ...             47.0% 10.3% 11.5% 6.52% 21.1%    
... ...             47.0% 10.3% 11.5% 6.52% 21.1%    
...               62.5% 3.77% 23.9% 0.360% 11.2%    
...               45.2% 23.5% 12.3% 14.3% 15.9%    
... ... ... ... ... ...     231% 51.3% 36.4% 0.699% -1.86%    

market share

                0.748% 0.826% 0.874% 0.885% 0.910%    
                0.000% 0.000% 0.000% 0.000% 0.000%    
                0.000% 0.000% 0.000% 0.000% 0.000%    
                1.46% 1.56% 1.66% 1.70% 1.92%    
                2.07% 2.17% 2.30% 2.32% 2.61%    
                0.434% 0.435% 0.486% 0.472% 0.502%    
                0.275% 0.397% 0.501% 0.449% 0.429%    
... ... ... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... ... ... ...  

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

...               4.42% 5.42% 10.1% 14.3% 14.0%    
...               0.245% 0.316% 0.603% 0.875% 0.933%    
...               0.866% 0.853% 0.864% 0.855% 0.846%    
...               48.6% 52.0% 47.6% 40.5% 39.2%    
...               10.9% 12.6% 11.1% 12.7% 13.1%    
...               10.9% 12.6% 11.1% 12.7% 13.1%    
...               1.73% 1.48% 1.52% 1.79% 1.92%    
...               1.52% 1.28% 1.36% 1.68% 1.83%    
...               5.16% 4.66% 4.14% 3.63% 3.18%    
...               3.64% 3.38% 2.78% 1.95% 1.35%    
...               0.000% 0.000% 0.000% 0.000% 0.000%   ...
...               96.8% 90.0% 83.9% 85.0% 88.8%    
...               8.59% 15.6% 14.4% 10.6% 9.62%    
...               -5.36% -5.68% 1.71% 4.36% 1.57%    
...               7,209 7,016 7,969 8,578 10,982    
...               127,496 137,242 155,920 183,333 234,705    
...               45.0% 41.0% 37.4% 36.0% 41.5%    
                5.31% 6.32% 5.73% 6.53% 6.80%    
... ... ... ... ...       222% 166% 142% 150% 167%    
                84.6% 92.2% 87.1% 92.0% 90.9%    
... ... ...           3.15% 3.81% 4.32% 4.62% 3.50%    
... ... ...           33.0% 35.2% 30.4% 30.3% 39.4%    
... ... ...           1.05% 1.36% 1.33% 1.42% 1.40%    
...               0.686% 0.453% 0.193% 0.196% 0.165%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

...               40.0 42.0 39.0 35.0 33.0    
                5,068 3,485 4,643 3,922 4,568    
                7,134 4,376 5,755 5,019 6,633    
                1,408 1,256 1,240 1,280 1,452    

Download Data
Comparison of 24 Banks in Czech Republic

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 24 Czech banks from 1990 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Wustenrot Hypotecni banka in Numbers

This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track WHB's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Czech Banking - Analysis of 3Q2014

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In

Read more »

This report analyses the main trends in the Czech banking with a special focus on the 3Q2014's performance. In the 108-page report, you will find all the necessary details regarding profitability of the sector, breakdown and trends of the volume growth, market share, margin and asset quality development in the sector and within the particular segments of the market.

In addition, you will find here financials and market share of the 20 banks we cover in the Czech Republic including all key ratios describing their business. The report includes 446 charts and 40 tables.

The key points are:

  • Czech commercial banks announced a net profit of CZK 14,387 mil in the third quarter of the year, up 3.5% compared to the same period last year. In the first nine months of the year, however, the banks' profit dropped 0.8% yoy to CZK 50,258 mil. This implies an annualised ROE of 11.6% for the last 12 months.
  • Loans grew 0.6% qoq (or 5.2% yoy) in the third quarter. Mortgages still drive the volume growth (creating 90% of the loan growth in the 3rd quarter and 57% ytd) while corporate loans and consumer lending stagnate.
  • The weak momentum is especially disappointing as the economy picks up. Banks are overcapitalized (CAR at 18%) and have plenty of cheap deposits to play with (with loans accounting for 76% of deposits only).
  • In addition, asset quality remains of little concern. Non-performing loans account for 6.2% of total loans while half of them are covered by loan provisions.
  • The trio of the largest banks (Sporitelna, CSOB and Komercni Banka) created 70% of the quarterly profit and 66% of loan growth in the third quarter of the year. Despite losing market share in revenue or overall assets, their market dominance continues. On the other hand, small players finally seem to be challenging the "boring" status quo.

You might also find all banks' financials in the Company section at www.helgilibrary.com/companies, and key charts for each bank at www.helgilibrary.com/charts.

The report is free to download, just register at our webpage.

Wüstenrot Hypotecni Banka at a Glance

Wüstenrot Hypoteční banka is a Czech Republic-based mortgage bank. Although Wüstenrot has been growing more than twice as fast as the overall market over the last five years, its late arrival in the mortgage business a decade ago means the bank still occupies only 2.5% of the Czech mortgage lending market. Partly because of its small size and

Read more »

Wüstenrot Hypoteční banka is a Czech Republic-based mortgage bank. Although Wüstenrot has been growing more than twice as fast as the overall market over the last five years, its late arrival in the mortgage business a decade ago means the bank still occupies only 2.5% of the Czech mortgage lending market. Partly because of its small size and its conservative approach, the bank is relatively little profitable with ROE in single-digit territory in the last five years. Size matters and the lack of economies of scale is also reflected in Wüstenrot’s low cost efficiency. In 2012, the bank’s operating costs accounted for over 50% of bank revenues, three times as much as the other pure mortgage bank on the Czech market - Hypoteční Banka.

This report offers a summary of the company's performance in 1997-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector

Based on a comparison of 21 banks in the Czech Republic in 3Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.6% in 3Q2017,

Read more »

Based on a comparison of 21 banks in the Czech Republic in 3Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.6% in 3Q2017, down from 19.7% when compared to the previous quarter and up from 17.4% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 3Q2017, down from 0.347% a year earlier.

When compared to the nearest peers, PPF Banka operated in 3Q2017 with a cost to income ratio of 24.5%, Stavebni Sporitelna Ceske Sporitelny reached 24.7% and Raiffeisenbank Czech Republic some 40.9%.

The average cost to income ratio reached 46.7% in the Czech banking sector in 3Q2017.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.7% in 2Q2017,

Read more »

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Hypotecni Banka was the most cost efficient bank, followed by PPF Banka and Stavebni Sporitelna Ceske Sporitelny.

Hypotecni Banka's cost to income ratio reached 19.7% in 2Q2017, down from 27.9% when compared to the previous quarter and up from 18.1% when compared to the same period of last year. Historically, the bank’s costs reached an all time high of 77.0% in 4Q2002 and an all time low of -93.3% in 4Q2000.

When compared to total assets, bank's cost amounted to 1.39% in 2Q2017, down from 0.375% a year earlier.

When compared to the nearest peers, PPF Banka operated in 2Q2017 with a cost to income ratio of 21.4%, Stavebni Sporitelna Ceske Sporitelny reached 37.8% and UniCredit Czech Republic some 38.5%.

The average cost to income ratio reached 40.7% in the Czech banking sector in 2Q2017.

You can see all the banks cost efficiency data at Costs (As % Of Income) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 25.0% of total

Read more »

Based on a comparison of 21 banks in the Czech Republic in 2Q2017, Moravsky Penezni Ustav had the highest share of bad loans, followed by PPF Banka and Banka Creditas.

Moravsky Penezni Ustav's non-performing loans reached 25.0% of total loans at the end of 2Q2017, up from 24.4% when compared to the previous quarter and down from 29.6% when compared to the same period of last year. Historically, the NPL ratio hit an all time high of 40.2% in 1Q2015 and an all time low of 0.204% in 3Q2007.

Provision coverage amounted to 16.3% at the end of 2Q2017, down from 18.5% compared to a year earlier.

When compared to the nearest peers, PPF Banka operated at the end of 2Q2017 with NPL ratio of 16.3% and provision coverage of 19.9%, Banka Creditas with 11.9% and 22.9% and Fio banka had 6.26% of bad loans covered with 34.0% by provisions at the end of 2Q2017.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.04% of total loans in 2Q2017, down from 4.99% when compared to the last year.

You can see all the banks non-performing loans data at NPLs (As % Of Loans) indicator page or you can download a report on the Czech banks in the report section.

Based on a comparison of 14 banks in the Czech Republic in 4Q2017, CSOB was the largest mortgage lender, followed by Ceska Sporitelna and Komercni Banka.

CSOB's mortgage loans reached CZK 282,400 mil, up 1.91% when compared to

Read more »

Based on a comparison of 14 banks in the Czech Republic in 4Q2017, CSOB was the largest mortgage lender, followed by Ceska Sporitelna and Komercni Banka.

CSOB's mortgage loans reached CZK 282,400 mil, up 1.91% when compared to the previous quarter and up 10.0% when compared to the same period of last year. Historically, the bank’s mortgage loans reached an all time high of CZK 282,400 mil in 4Q2017 and an all time low of CZK 36,650 mil in 3Q2005.

At the end of 4Q2017, mortgage loans represented 41.9% of CSOB's loan book.

When compared to the nearest peers, Ceska Sporitelna's mortgage loans amounted to CZK 233,400 mil at the end of 4Q2017, Komercni Banka operated with CZK 218,900 mil mortgage loans and Ceskomoravska Stavebni Sporitelna had a mortgage loan book of CZK 115,310 mil at the end of 4Q2017.

Czech banking sector provided mortgage loans of CZK 1,148 bil in 4Q2017, up 9.00% when compared to the last year. As a result, the top ranked company - CSOB accounted for 24.6% of the sector’s mortgage loans in 4Q2017. The top 3 companies hold a 64.0% share while the five largest firms some 77.6% in 4Q2017.

You can see all the banks mortgage loans data at Mortgage Loans indicator page or you can download a report on the Czech banks in the report section.

See all charts of the company »
WHB's net profit rose 26.9% to CZK 62.4 mil in 4Q2017
WHB's net profit rose 26.9% to CZK 62.4 mil in 4Q2017
WHB's net interest margin rose 13.5% to 1.42% in 4Q2017
WHB's capital adequacy ratio fell 2.41% to 14.8% in 4Q2017
WHB's costs (as % of assets) fell 6.64% to 0.657% in 4Q2017
WHB's net interest income rose 13.5% to CZK 115 mil in 4Q2017
WHB's corporate loans rose 2.29% to CZK 260 mil in 4Q2017
WHB's corporate loans remain unchanged at CZK 260 mil in 2017
WHB's corporate loans remain unchanged at CZK 260 mil in 2017
WHB's mortgage loans rose 7.41% to CZK 29,209 mil in 2017