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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

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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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AnnualQuarterly
summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

...                 292 344 449 508 446    
...                 324 410 528 572 522    
...                 155 215 314 348 283    
...                 62.5 136 219 247 190    

balance sheet

                  11.6 715 61.0 51.0 47.0    
                  18,583 21,745 23,055 25,319 27,193    
                  1,007 1,777 1,641 1,284 1,560    
                  20,149 24,970 25,060 27,869 30,191    
                  1,274 1,431 1,636 1,896 2,076    
                  9.53 11.0 311 1,903 501    
                  11,214 15,300 15,407 15,121 15,967    
                  7,408 8,046 7,656 8,832 11,550    

ratios

...                 5.42% 10.1% 14.3% 14.0% 9.57%    
...                 0.316% 0.603% 0.875% 0.933% 0.654%    
...                 0.853% 0.864% 0.855% 0.846% 0.823%    
...                 52.0% 47.6% 40.5% 39.2% 45.8%    
...                 12.6% 11.1% 12.7% 13.1% 15.5%    
...                 1.48% 1.52% 1.79% 1.92% 1.54%    
...                 90.0% 83.9% 85.0% 88.8% 85.4%    
...                 15.6% 14.4% 10.6% 9.62% 8.62%    
...                 41.0% 37.4% 36.0% 41.5% 7.95%    
                  6.32% 5.73% 6.53% 6.80% 6.88%    
... ... ... ... ...         166% 142% 150% 167% 170%    
                  92.2% 87.1% 92.0% 90.9% 90.1%    
... ... ...             3.81% 4.32% 4.62% 3.50% 3.77%    
... ... ...             35.2% 30.4% 30.3% 39.4% 37.6%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

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
...                 922 934 908 841 760    
...                 630 590 459 333 314    
...                 292 344 449 508 446    
...                 50.7 59.0 56.0 55.0 45.0    
...                 -18.4 7.00 23.0 9.00 31.0    
...                 324 410 528 572 522    
...                 69.2 73.0 77.0 93.0 19.0    
...                 19.2 21.0 14.0 15.0 14.0    
...                 80.3 101 123 116 206    
...                 169 195 214 224 239    
...                 155 215 314 348 283    
...                 79.3 39.0 44.0 40.0 47.0    
...                 0.015 0 0 0 0    
...                 76.2 176 270 308 236    
...                 13.7 40.0 51.0 61.0 46.0    
...                 0 0 0 0 0    
...                 62.5 136 219 247 190    
...                 0 0 0 0 95.0   ...

growth rates

... ...               7.81% 17.8% 30.5% 13.1% -12.2%    
... ...               111% 16.4% -5.08% -1.79% -18.2%    
... ...               15.9% 26.5% 28.8% 8.33% -8.74%    
... ...               24.2% 15.6% 9.74% 4.67% 6.70%    
... ...               8.01% 38.3% 46.0% 10.8% -18.7%    
... ...               55.0% 131% 53.4% 14.1% -23.4%    
... ...               62.4% 118% 61.0% 12.8% -23.1%    

market share

...                 0.194% 0.244% 0.314% 0.328% 0.290%    
... ... ... ...           0.097% 0.223% 0.347% 0.372% 0.258%    
...                 0.104% 0.097% 0.087% 0.080% 0.098%    
...                 0.048% 0.045% 0.045% 0.046% 0.049%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

                  435 697 260 1,163 1,357    
                  11.6 715 61.0 51.0 47.0    
                  18,583 21,745 23,055 25,319 27,193    
                  17,613 19,635 20,916 25,319 27,193    
                  17,613 19,635 20,916 25,319 27,193    
                  0 0 0 0 0    
                  0 0 0 0 0    
                  1,007 1,777 1,641 1,284 1,560    
                  16.2 29.0 34.0 37.0 35.0   ...
                  20,149 24,970 25,060 27,869 30,191    
                  1,274 1,431 1,636 1,896 2,076    
                  0 0 0 0 0    
                  18,875 23,539 23,424 25,973 28,115    
                  9.53 11.0 311 1,903 501    
                  11,214 15,300 15,407 15,121 15,967    
                  7,408 8,046 7,656 8,832 11,550    
                  243 182 50.0 117 97.0    

asset quality

... ... ...             718 953 1,081 898 1,041    
                  18,835 22,035 23,383 25,673 27,584    
... ... ...             252 290 328 354 391    

growth rates

...                 13.2% 17.0% 6.02% 9.82% 7.40%    
... ...               10.3% 11.5% 6.52% 21.1% 7.40%    
... ...               10.3% 11.5% 6.52% 21.1% 7.40%    
...                 3.77% 23.9% 0.360% 11.2% 8.33%    
...                 23.5% 12.3% 14.3% 15.9% 9.49%    
... ... ... ... ... ...       51.3% 36.4% 0.699% -1.86% 5.59%    

market share

                  0.787% 0.865% 0.875% 0.910% 0.922%    
                  0% 0% 0% 0% 0%    
                  0% 0% 0% 0% 0%    
                  1.55% 1.66% 1.70% 1.91% 1.92%    
                  2.17% 2.30% 2.32% 2.61% 2.58%    
                  0.435% 0.480% 0.465% 0.502% 0.502%    
                  0.359% 0.458% 0.449% 0.429% 0.424%    

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

...                 5.42% 10.1% 14.3% 14.0% 9.57%    
...                 0.316% 0.603% 0.875% 0.933% 0.654%    
...                 0.853% 0.864% 0.855% 0.846% 0.823%    
...                 52.0% 47.6% 40.5% 39.2% 45.8%    
...                 12.6% 11.1% 12.7% 13.1% 15.5%    
...                 12.6% 11.1% 12.7% 13.1% 15.5%    
...                 1.48% 1.52% 1.79% 1.92% 1.54%    
...                 1.28% 1.36% 1.68% 1.83% 1.46%    
...                 4.66% 4.14% 3.63% 3.18% 2.62%    
...                 3.38% 2.78% 1.95% 1.35% 1.16%    
...                 0% 0% 0% 0% 50.0%   ...
...                 90.0% 83.9% 85.0% 88.8% 85.4%    
...                 15.6% 14.4% 10.6% 9.62% 8.62%    
...                 -5.68% 1.71% 4.36% 1.57% 5.94%    
...                 7,016 7,969 8,578 9,833 1,569    
...                 137,242 155,920 183,333 234,705 39,583    
...                 41.0% 37.4% 36.0% 41.5% 7.95%    
                  6.32% 5.73% 6.53% 6.80% 6.88%    
... ... ... ... ...         166% 142% 150% 167% 170%    
                  92.2% 87.1% 92.0% 90.9% 90.1%    
... ... ...             3.81% 4.32% 4.62% 3.50% 3.77%    
... ... ...             35.2% 30.4% 30.3% 39.4% 37.6%    
... ... ...             1.36% 1.33% 1.42% 1.40% 1.44%    
...                 0.453% 0.193% 0.196% 0.165% 0.179%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

...                 1.00 1.00 1.00 1.00 1.00    
...                 42.0 39.0 35.0 33.0 40.0    
                  3,485 4,643 3,922 4,568 4,226    
                  4,376 5,755 5,019 6,633 6,994    
                  1,256 1,240 1,280 1,452 1,655    

Download Data
Wustenrot Hypotecni banka in Quarterly Numbers

This Quarterly statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between Jun 03 and Jun 19 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

Read more »

This Quarterly statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between Jun 03 and Jun 19 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

This Annual statistical dossier offers a summary of Wustenrot Hypotecni banka's performance between 2003 and 2018 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 2018 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.

Comparison of 22 Banks in Czech Republic

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

Read more »

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

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.

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

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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 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.

Moravsky Penezni Ustav's non-performing loans reached 24.4% of total

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Based on a comparison of 22 banks in the Czech Republic in 2016, Moravsky Penezni Ustav had the highest share of bad loans, followed by Banka Creditas and J&T Banka.

Moravsky Penezni Ustav's non-performing loans reached 24.4% of total loans at the end of 2016, down from 39.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 39.4% in 2015 and an all time low of 2.23% in 2008.

Provision coverage amounted to 11.9% at the end of 2016, down from 13.3% compared to a year earlier.

Comparing Moravsky Penezni Ustav with its closest peers, Banka Creditas operated at the end of 2016 with NPL ratio of 11.9% and provision coverage of 30.5%, J&T Banka with 10.0% and 34.2% and Fio banka had 9.94% of bad loans covered with 15.5% 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.

Based on a comparison of 22 banks in the Czech Republic in 2018, PPF Banka had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.

PPF Banka's non-performing loans reached 12.9% of total loans at

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Based on a comparison of 22 banks in the Czech Republic in 2018, PPF Banka had the highest share of bad loans, followed by Banka Creditas and Wustenrot Stavebni Sporitelna.

PPF Banka's non-performing loans reached 12.9% of total loans at the end of 2018, up from 10.4% when compared to the previous year. Historically, the NPL ratio hit an all time high of 12.9% in 2018 and an all time low of 0.310% in 2006.

Provision coverage amounted to 9.28% at the end of 2018, down from 9.76% compared to a year earlier.

Comparing PPF Banka with its closest peers, Banka Creditas operated at the end of 2018 with NPL ratio of 9.28% and provision coverage of 21.9%, Wustenrot Stavebni Sporitelna with 7.91% and 70.3% and Expobank Czech Republic had 5.96% of bad loans covered with 56.2% by provisions at the end of 2018.

Non-performing loans of the whole Czechia’s banking sector amounted to 3.25% of total loans in 2018, down from 3.74% 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.

Based on a comparison of 22 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,

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Based on a comparison of 22 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 31.4%, Stavebni Sporitelna Ceske Sporitelny reached 37.2% and J&T Banka some 40.8%.

The average cost to income ratio reached 45.2% 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.

Based on a comparison of 22 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,

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Based on a comparison of 22 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.

See all charts of the company »
WHB's mortgage loans rose 2.89% to CZK 34,754 mil in 2Q2019
WHB's net interest margin rose 3.21% to 1.22% in 2Q2019
WHB's total revenues fell 0.337% to CZK 122 mil in 2Q2019
WHB's customer deposits fell 0.638% to CZK 18,011 mil in 2Q2019
WHB's customer loans rose 3.14% to CZK 34,874 mil in 2Q2019
WHB's corporate loans rose 20.8% to CZK 541 mil in 2Q2019
WHB's retail deposits fell 0.445% to CZK 17,122 mil in 2Q2019
WHB's net profit rose 8.06% to CZK 29.1 mil in 2Q2019
WHB's corporate deposits fell 10.0% to CZK 398 mil in 2Q2019
WHB's npls (as % of loans) rose 4.99% to 3.79% in 2Q2019
WHB's employees remain unchanged at 34.0 in 2Q2019
WHB's capital adequacy ratio rose 3.82% to 14.9% in 2Q2019
WHB's net interest income rose 4.32% to CZK 117 mil in 2Q2019
WHB's costs (as % of assets) fell 6.29% to 0.813% in 2Q2019
WHB's consumer loans remain unchanged at CZK 0 mil in 2Q2019
WHB's customer loan growth fell 0.109% to 11.8% in 2Q2019
WHB's Cost of Risk rose 24.7% to 0.096% in 2Q2019
WHB's equity (as % of assets) rose 2.20% to 6.05% in 2Q2019
WHB's mortgage loans remain unchanged at CZK 27,193 mil in 2018
WHB's net interest margin fell 9.17% to 1.26% in 2018
WHB's net interest margin fell 9.17% to 1.26% in 2018
WHB's customer deposits rose 4.10% to CZK 17,048 mil in 2018
WHB's customer loans rose 12.0% to CZK 32,983 mil in 2018
WHB's net profit fell 40.5% to CZK 119 mil in 2018
WHB's net profit fell 40.5% to CZK 119 mil in 2018
WHB's net profit fell 40.5% to CZK 119 mil in 2018
WHB's npls (as % of loans) fell 25.7% to 1.83% in 2018
WHB's npls (as % of loans) fell 25.7% to 1.83% in 2018
WHB's total revenues fell 2.36% to CZK 464 mil in 2018
WHB's employees rose 2.33% to 44.0 in 2018
WHB's capital adequacy ratio fell 11.7% to 13.0% in 2018
WHB's capital adequacy ratio fell 11.7% to 13.0% in 2018
WHB's net interest income rose 0.949% to CZK 440 mil in 2018
WHB's corporate loans remain unchanged at CZK 0 mil in 2018
WHB's consumer loans remain unchanged at CZK 0 mil in 2018
WHB's corporate loans remain unchanged at CZK 0 mil in 2018
WHB's costs (as % of assets) rose 19.0% to 0.801% in 2018
WHB's corporate loans remain unchanged at CZK 0 mil in 2018
WHB's customer loan growth rose 43.7% to 12.0% in 2018
WHB's provisions (as % of loans) fell 0.936% to 1.25% in 3Q2018