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Wustenrot Hypotecni banka

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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 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

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Annual Quarterly

summary

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income statement

Net Interest Income	CZK mil
Total Revenues	CZK mil
Operating Profit	CZK mil
Net Profit	CZK mil

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

balance sheet

Interbank Loans	CZK mil
Customer Loans	CZK mil
Debt Securities	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Issued Debt Securities	CZK mil

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

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...					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

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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	0	0
...	49.2	76.2	176	270	308
...	10.7	13.7	40.0	51.0	61.0
...	0	0	0	0	0
...	38.5	62.5	136	219	247
...	0	0	0	0	0	...

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	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

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%

...				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

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balance sheet

Cash	CZK mil
Interbank Loans	CZK mil
Customer Loans	CZK mil
Retail Loans	CZK mil
Mortgage Loans	CZK mil
Consumer Loans	CZK mil
Corporate Loans	CZK mil
Debt Securities	CZK mil
Fixed Assets	CZK mil
Total Assets	CZK mil
Shareholders' Equity	CZK mil
Of Which Minority Interest	CZK mil
Liabilities	CZK mil
Interbank Borrowing	CZK mil
Customer Deposits	CZK mil
Retail Deposits	CZK mil
Corporate Deposits	CZK mil
Issued Debt Securities	CZK mil
Other Liabilities	CZK mil

								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	0	0	0	0
								0	0	0	0	0
								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	0	0	0	0
								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

Non-Performing Loans	CZK mil
Gross Loans	CZK mil
Total Provisions	CZK mil

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

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%

...						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

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

								0.748%	0.826%	0.874%	0.885%	0.910%
								0%	0%	0%	0%	0%
								0%	0%	0%	0%	0%
								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

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2017

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	CZK per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...					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%	0%	0%	0%	0%	...
...					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

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2005

2006

2007

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2017

other data

Employees
Number Of New Mortgages Provided
Volume Of New Mortgages Sold	CZK mil
Average Size Of A New Mortgage	CZK '000

...	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

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Comparison of 22 Banks in Czech Republic

January 24, 2019

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly 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

This Quarterly Statistical Dossier offers a comparison of 22 Czech banks from Dec 96 to Sep 18 on an quarterly 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.

Comparison of 24 Banks in Czech Republic

January 24, 2019

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

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.

The file contains data of following banks:

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

Wustenrot Hypotecni banka in Quarterly Numbers

January 22, 2019

This Quarterly statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between Jun 03 and Sep 18 on an quarterly 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

This Quarterly statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between Jun 03 and Sep 18 on an quarterly 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.

Wustenrot Hypotecni banka in Numbers

September 30, 2018

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,

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.

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

Czech Banking - Analysis of 3Q2014

January 11, 2015

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

February 3, 2014

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

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What Banks in Czechia Were the Most Cost Efficient in 2016?

August 21, 2019

Based on a comparison of 25 banks in the Czech Republic in 2016, 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 21.1% in 2016,

Based on a comparison of 25 banks in the Czech Republic in 2016, 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 21.1% in 2016, up from 17.5% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2016, up from 0.381% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2016 with a cost to income ratio of 33.3%, Stavebni Sporitelna Ceske Sporitelny reached 35.0% and Expobank Czech Republic some 35.3%.

The average cost to income ratio reached 43.7% in the Czech banking sector in 2016.

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

What Banks in Czechia Were the Most Cost Efficient in 2017?

August 21, 2019

Based on a comparison of 25 banks in the Czech Republic in 2017, 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 22.1% in 2017,

Based on a comparison of 25 banks in the Czech Republic in 2017, 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 22.1% in 2017, down from 21.1% when compared to the last year. Historically, the bank’s costs reached an all time high of 1,607% in 1997 and an all time low of 15.5% in 2011.

When compared to total assets, bank's cost amounted to 1.39% in 2017, down from 0.429% a year earlier.

Comparing Hypotecni Banka with its closest peers, PPF Banka operated in 2017 with a cost to income ratio of 28.8%, Stavebni Sporitelna Ceske Sporitelny reached 37.2% and J&T Banka some 40.8%.

The average cost to income ratio reached 45.1% in the Czech banking sector in 2017.

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

What Banks in Czechia Had the Most Bad Loans in 2016?

August 21, 2019

Based on a comparison of 24 banks in the Czech Republic in 2016, Essox had the highest share of bad loans, followed by Moravsky Penezni Ustav and Banka Creditas.

Essox's non-performing loans reached 26.3% of total loans at the end of 2016,

Based on a comparison of 24 banks in the Czech Republic in 2016, Essox had the highest share of bad loans, followed by Moravsky Penezni Ustav and Banka Creditas.

Essox's non-performing loans reached 26.3% of total loans at the end of 2016, down from 30.0% when compared to the previous year. Historically, the NPL ratio hit an all time high of 31.1% in 2014 and an all time low of 17.2% in 2008.

Provision coverage amounted to 24.4% at the end of 2016, down from 39.4% compared to a year earlier.

Comparing Essox with its closest peers, Moravsky Penezni Ustav operated at the end of 2016 with NPL ratio of 24.4% and provision coverage of 12.1%, Banka Creditas with 11.9% and 30.5% and J&T Banka had 10.0% of bad loans covered with 34.2% by provisions at the end of 2016.

Non-performing loans of the whole Czechia’s banking sector amounted to 4.59% of total loans in 2016, down from 5.48% when compared to the last year.

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

What Banks in Czechia Were the Most Cost Efficient in 3Q2017?

August 14, 2019

Based on a comparison of 22 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,

Based on a comparison of 22 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.

See all charts of the company »

WHB's mortgage loans rose 1.73% to CZK 31,265 mil in 3Q2018

WHB's customer loans rose 1.72% to CZK 31,716 mil in 3Q2018

WHB's customer deposits fell 1.32% to CZK 15,837 mil in 3Q2018

WHB's net interest margin fell 7.82% to 1.22% in 3Q2018

WHB's retail deposits fell 1.29% to CZK 15,272 mil in 3Q2018

WHB's corporate loans rose 0.863% to CZK 451 mil in 3Q2018

WHB's net profit fell 14.7% to CZK 46.0 mil in 3Q2018

WHB's employees remain unchanged at 31.0 in 3Q2018

WHB's capital adequacy ratio fell 2.16% to 14.1% in 3Q2018

WHB's net interest income fell 5.57% to CZK 106 mil in 3Q2018

WHB's corporate deposits fell 2.08% to CZK 565 mil in 3Q2018